Frequently asked questions
Learn more about the transfer to the Voya experience.
We’ve pulled together some key points to support you. We’ll continue to share information as we approach the date your plan will join the Voya experience so check back often. Note that the information covered here may not be available in your account.
As a result of Voya’s acquisition of the OneAmerica Financial retirement plan business, your retirement plan will transfer from OneAmerica to Voya. Most of your plan and account information will automatically transfer from OneAmerica to Voya. Additionally, you’ll benefit from Voya’s upgraded retirement planning and financial wellness tools and resources, and their elevated digital experience.
The transfer will occur over a weekend so your account will remain invested the entire time. And, you’ll have no account management downtime. You can continue to submit transactions in your account at OneAmerica through the time your plan joins the Voya experience. Then you’ll be able to continue to manage your account at Voya.
Most of the information and elections in your account at OneAmerica will automatically transfer to Voya. We’re doing the heavy lifting to make this process as easy as possible.
| What transfers to Voya | Yes | No |
|---|---|---|
| Contribution Rate | ||
| Investment Elections | ||
| Auto Escalation Election | ||
| Beneficiary Designation | ||
| Investment Election | ||
| Installment Payments | ||
| Loan Repayments* |
| What transfers to Voya | Yes | No |
|---|---|---|
| Catch-up Election | ||
| Personal Rate of Return | ||
| Direct Deposit Information | ||
| Historical Statements | ||
| Transaction History | ||
|
Log-in
Credentials (User ID/Password) |
Yes. For security purposes, the credentials you used at OneAmerica will not transfer to Voya. Once your plan is live on the Voya experience, be able to register your account at VoyaRetirementPlans.com. See the Welcome section, for more information on account registration.
The Voya experience offers web, mobile app and contact center support for all plans. If you did not previously have this access at OneAmerica, we’re excited to provide you these additional account access options. Take a few moments to register your account and take advantage of the available retirement preparation tools and resources.
No. Your contribution options and elections will transfer to Voya. This includes catch-up and bonus contribution elections, if applicable. And the great news is that no action is required on your part.
Once the transfer is complete, you’re encouraged to log into your account at VoyaRetirementPlans.com and take advantage of the retirement planning tools and resources, like myOrangeMoney®, which will show you the future monthly income you may need and your progress toward that goal.
No. Your investment elections will not change. Your investments and investment elections will automatically transfer to your account at Voya.
Yes. Your account remains fully invested and at no time are your investments out of the market.
Yes. You’ll have access to automatic rebalancing at Voya. If you’re currently enrolled in automatic rebalancing at OneAmerica, your election will transfer to Voya. There is nothing you need to do. Here are a few details regarding Voya’s automatic rebalancing approach.
At Voya, you’ll have the option to have your account rebalanced on a quarterly, semi-annual or annual basis.
If you are currently receiving scheduled payments via ACH, your ACH account information will be mapped as part of the data transfer process. Note that after your plan transfers to the Voya experience, ACH and mailed payments will be coming from Voya, not OneAmerica. If you’ve received installment or RMD payments from both OneAmerica and Voya in 2025, you will be receiving two Form 1099. One Form 1099 will represent the distribution from the period your account was at OneAmerica, the other will represent the distribution from the period your account was at Voya.
Scheduled RMDs
If you are currently receiving an annual or monthly payment from OneAmerica established to satisfy a RMD, the specifics of your payment, including tax withholding and electronic banking information (if applicable), will transfer automatically. No action by you is needed. At Voya, RMD payments will be made on the 15th of the month.
Installment payments
If you are currently receiving installment payments from your account at OneAmerica, the specifics of your payment, including tax withholding and electronic banking information (if applicable), will transfer automatically. No action by you is needed. Voya processes payments on the 1st and the 15th of the month. You’ll be notified of any payment date change prior to your plan transferring to the Voya experience.
| Current payment date | Voya payment date | |
|---|---|---|
| 1st through the 14th of each month | The 1st business day of each month | |
| 15th through the last day of the month | The 15th business day of each month |
If you are currently participating in the plan, your contributions will automatically continue without interruption. Review the Overview section above for additional information on what information will automatically transfer to Voya.
If you are not participating in the plan when the plan transfers, you may enroll at Voya, provided you meet your plan’s eligibility requirements.
Yes. Your beneficiary designations will transfer. However, now may be a good time to double-check this information, especially if your situation has changed (marital status change, birth of a child, etc.).
Yes. Voya will retain prior Plan data. By accessing your account, you’ll be able to view historical statements and account activity.
There will be no change to the timing of your annual ESOP statement. Once live on the Voya experience, Voya will provide your annual account statement according to the same schedule previously followed at OneAmerica. By accessing your account, you’ll also be able to view historical statements and account activity.
Active participants except those in non-ERISA 403(b) Plans
If you have an email address on file, you’ll be defaulted to eDelivery for Department of Labor governed notices and disclosures. This includes retirement account statements. You’ll receive a letter via U.S. mail notifying you of this election. You can, at any time, make an election to opt out of eDelivery by logging into your account at VoyaRetirementPlans.com and updating your delivery preferences. You can also choose to opt into eDelivery for Securities and Exhange Commission governed communications by logging into your account at VoyaRetirementPlans.com and selecting eDelivery for “Regulatory Documents.”
If you do not have an email on file, you’ll receive plan communication via paper delivery. You can, at any time, make an election to opt into eDelivery by logging into your account at VoyaRetirementPlans.com, making sure you have an email address on file and updating your delivery preferences.
All plan types except non-ERISA 403(b) plans will be automatically enrolled into eDelivery.
Active participants in non-ERISA 403(b) plans
If you have an email address on file and have elected eDeivery of your participant statement, this election will transfer to Voya. If you’ve elected to receive other OneAmerica communications via eDelivery, these elections will not map as part of the transfer to Voya. However, you will be able to manage your delivery preferences in your Voya account.
Non-active participants (terminated participants, retirees, beneficiaries, etc.)
If you’re a non-active participant, you’ll be defaulted to paper delivery. You can, at any time, make an election to opt into eDelivery by logging into your account at VoyaRetirementPlans.com, making sure you have a personal email address on file and updating your delivery preferences.
Yes. Voya supports account activity download to Excel and Quicken.
Once the transfer is complete, you’ll benefit from Voya’s self-service best practices. In most situations, transactions will be completed online by accessing your account at VoyaRetirementPlans.com or by calling the Voya Contact Center at 800-584-6001. If a form is needed, you’ll receive direction and next steps through your online account or a representative.
Please note the date your request is received at Voya, in good order and prior to close of NYSE, shall be determined to be the “effective date”.
Effective December 8, 2025, you should begin sending any necessary forms, checks (ex. rollover checks), etc. to Voya.
|
Mail forms to: Voya Retirement Insurance and Annuity Company (VRIAC) A member of the Voya® family of companies PO Box 990063 Hartford, CT 06199-0063 |
Mail checks to: Voya Institutional Trust Company PO Box 3015 New York, NY 10116-3015 |
Please note the date your request is received at Voya, in good order and prior to close of NYSE, shall be determined to be the “effective date”.
We’re here for you. If you have questions regarding your OneAmerica account or the transfer to the Voya experience, you can reach the OneAmerica Customer Engagement Center through December 7, 2025 at 800-858-3829. Representatives are available Monday through Friday from 8 a.m. – 9 p.m. ET.