Voya Employee Benefits Resource Center

PRISM, County of San Luis Obispo

Short Term Disability Income Insurance

Group Name: Public Risk Innovation, Solutions and Management ("PRISM")
Group Number: 316407

Receive benefits to replace part of your paycheck when you’re injured or ill and unable to work.

Short Term Disability Income coverage provides you with benefits to replace part of your paycheck when you can’t work due to illness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period.

Additional services:
Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.

 
We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through Voya Cares®.

Certificates
Review this document for a complete overview of benefits

STD Certificate of Coverage

What is Group Short Term Disability Income Insurance?

Group 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.

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. Please refer to your enrollment materials or contact your employer. 

Do I need to provide health information?

Generally, if you enroll when first eligible for coverage, you will not have to provide any health information. If you enroll for coverage after the initial offer, you may need to provide us with health information on a form called "Evidence of Insurability." This form includes questions about current and past health conditions. We may also request information from treating doctors. If evidence of insurability is required, it must be approved by us before your coverage becomes effective.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Disability Income Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-STD-POL-10, #RL-STD-POL-20, or #HP-8GP (may vary by state).

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 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.

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