Benefits At a Glance
Employees can choose to cover themselves with Income Replacement if they have a Short Term Disability.
2026 The STD Plan will move to a Weekly Benefit starting at $100 with the election in $25 increments up to $1,600 max or 60% of earnings
The Elimination Period (or waiting period before benefits are payable) is day 1 coverage for accident or 14 days for sickness
Payable for 3 months as long as still disabled.
Rates
Monthly Rate (per $25 weekly benefit)
Under 25 – $1.49
25 – 34 – $1.70
35 – 39 – $1.50
40 – 44 – $0.94
45 – 49 – $1.01
50 – 54 – $1.12
55 – 59 – $1.36
60 – 64 – $1.59
65 – 69 – $1.90
70 & over- $2.02
Benefits
Counting on your “Sick Leave” Plan to Provide Benefits?
Employees have to be employed at least one full calendar year before they can be eligible to participate in the “Sick Leave Bank”. The Sick Leave Bank does not cover maternity or childbirth as a disability.
Covered by Workers’ Compensation?
Workers’ compensation provides benefits for only occupational related injuries or illnesses. About two thirds of disabling injuries occur off the job.
Voya starting 2026
STD covers non-occupational disabilities only. Any claimant who becomes disabled due to a job related injury or sickness or who receives benefits from Workers’ Compensation will not be eligible for benefits under this STD plan.
Benefits start on the 1st day for an accident and 14th day due to sickness and will continue as long as disabled up to 12 weeks.
There is no offset for sick leave or salary continuation
Exclusions and Limitations
· Engaging in any illegal occupation, work or employment.
· Operating a motorized vehicle while under the influence of alcohol as evidenced by a blood alcohol level at or in excess of the state legal intoxication limit as defined by the state law where the Disability occurs.
· Intentionally self-inflicted harm.
· Attempted suicide, regardless of mental capacity
· Participation in a war, declared or undeclared, or any act of war. An act of war is military activity by one or more national governments and does not include terrorist acts, other random acts of violence not perpetrated by the covered person, or civil war or community faction.
· Active duty as a member of the armed forces of any nation. However, we will refund, upon written notice of such service, any Premium which has been accepted for any period not covered as a result of this exclusion.
· Active participation in a riot, insurrection or terrorist activity, but not including civil commotion, disorder, Injury as an innocent bystander, or Injury because of self-defense.
· Subject to the applicable law in the state where the Policy is delivered or issued for delivery, voluntary intake of any narcotic or other controlled substance, unless the narcotic or controlled substance is taken under the direction of and as directed by a Doctor.
· Voluntary intake of poison, drugs or fumes, unless a direct result of an occupational accident.
· Cosmetic surgery except when required for Appropriate Care as a result of Injury or Sickness; cosmetic surgery shall not include (1) reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, and (2) reconstructive surgery because of congenital disease or anomaly resulting in a functional defect and (3) surgery necessitated by gender dysphoria.
· Traveling in any aircraft other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline.
· Traveling in any aircraft (or device) used for testing or an experimental purpose, used by or for any military authority, or used for travel beyond the earth’s atmosphere.
· Hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing.
· Participation in recreational motor sports events, racing, speed or endurance contest (auto, truck, cycle or boat), rock or mountain climbing, skin or scuba diving, or bungee jumping.
· Participation in any sport for wage, compensation or profit.
Plan Design
Voya Starting January 2026
All active full-time benefits eligible employees working 19 or more hours per week can select a Weekly Income Benefit in $25 increments starting at $100 up to $1,600 weekly benefit not to exceed 60% of earnings.
Pre-existing / EOI
Voya 2026 – Pre-existing 3/12
Employee covered under the prior policy will have the pre-existing limitation waived, as there is a no-loss-no-gain provision when changing carriers.
Benefits will not be paid if the covered person’s Disability begins in the first 12 months following the effective date of coverage; and the Disability is caused by, contributed to by, or the result of a Pre-Existing Condition.
Pre-Existing Condition means any condition for which the covered person had done, or for which an ordinarily prudent person would
ordinarily have done, any of the following at any time during the 3 months just prior to the effective date of coverage, whether or not that
condition is diagnosed, undiagnosed or misdiagnosed:
– Received medical treatment or consultation.
– Taken or were prescribed drugs or medicine.
– Received care or services, including diagnostic measures.
Certificate
Voya Short Term Disability Certificate of Coverage
Prior coverage:
View the AFLAC Brochure for all of the plan details and limitations
Claims
Contact
Voya Customer Service: 833‑973‑2367
Or
Houze & Associates, Inc.
308 Church Street
LaGrange, GA 30240
706-882-2864
