Voluntary Short Term Disability Income Insurance
Group Number: 723525
Receive benefits to replace part of your paycheck when you’re injured or ill and unable to work.
Voluntary Short Term Disability Income Insurance provides you with benefits to replace part of your paycheck when you can’t work because of a sickness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period. Availability may vary by state.
Your Voluntary Short Term Disability Income Insurance includes the following benefits:
Portability
You may apply to continue your coverage when you leave your current employer and pay premiums to the insurance company directly.
Additional services:
Voya Cares®
Details
Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.
Certificates
Review this document for a complete overview of benefits
State Forms
Forms that provide additional information
What is Voluntary Short Term Disability Income Insurance?
Voluntary Short Term Disability Income Insurance provides you with benefits to replace part of your paycheck when you can’t work because of a sickness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period. During the waiting period, you may be able to use your vacation or sick time if offered. Generally, Short Term Disability benefits are paid for a few weeks to a few months.
How can Short Term Disability benefits be used?
When your claim is approved, you will receive weekly benefits to replace part of your income based on your coverage level. You may use this money however you would like. Below are a few examples of how your Short Term Disability benefits could be used, depending on how much coverage you have:
- Everyday expenses, such as groceries, utilities, house payments and car payments
- Medical bills and recovery expenses
- Support services during your recovery
Why should I enroll through my employer?
- Insurance premiums are simply deducted from your paycheck, so you never have to worry about a separate payment.
- We will waive your premiums while you are receiving benefits from us.
- The cost of Short Term Disability Income Insurance through your employer is usually much lower than an individual disability policy.
How much does it cost?
The monthly cost of Short Term Disability Income Insurance varies based on the amount of coverage and sometimes your age. Your monthly premiums may be less than dinner at a casual restaurant.
Do I need to provide health information?
You are eligible for guaranteed issue, which means no medical questions are required to enroll in this coverage. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period. Preexisting conditions may apply.
Benefit Basics video
Real Life Example
Tara slipped and fell, causing her to strain her back, which left her unable to do her job. Fortunately, Tara had purchased Voluntary Short Term Disability Income Insurance through her employer, which provided her with benefits to replace 60% of her regular pay while she was unable to work. This helped reduce the potential financial strain Tara would have faced without this insurance. Seven weeks later, Tara’s back had healed, and she was able to return to work.
Monthly expenses:
| Car payment | $600 | |
| Mortgage/monthly rent | $1,500 | |
| Everyday expenses | + | $500 |
| Total monthly expenses | $2,600 | |
| Monthly short term disability benefit (60% of normal income of $4,200) | $2,520 | |
| Monthly benefit paid | $2,520 |
This is shown for illustrative purposes only. Actual results may vary. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.
