Long-Term Disability

Long-Term Disability (LTD) Insurance is one of Ball State’s mandatory ancillary benefits, with Ball State University covering 100% of the premium.

  • LTD insurance provides income replacement benefits to covered employees who become disabled due to an illness or accident after a 60-day waiting period.
  • The LTD benefit replaces 60 percent of 103 percent of your base salary, up to a maximum monthly benefit of $15,000, before the deduction of other income benefits.
  • After the first 26 months of disability, the continuing benefit period percentage is reduced from 60 percent to 20 percent. Maximum duration of benefits is based upon your age when disabled and your Social Security normal retirement age.

If an employee does not have short term disability (STD) coverage and needs to initiate a claim with Voya for long term disability (LTD) benefits, this will be done by visiting your Voya claims portal.  If you do not have an account set up you will be able to click on "register for an account" to get started.

 

Voya

LTD Group Policy# 752151

Claims Questions/Status Inquiries: 888-305-0602

Email: claims@yourbenefitexpert.com

Online: www.voya.com/claims

 

For claims prior to January 1, 2026 use The Hartford's information below

The Hartford

P.O. Box 14869 
Lexington, KY 40512-4869

Fax Number: (813) 357-5153

For questions regarding the claim process or forms employees should call The Hartford Customer Service Center at (888) 277-4767.

 

 

For Service Employees Only*

The purpose of Short-Term Disability (STD) is to help protect an employee from loss of income when he/she suffers from a serious illness or injury. Beginning on the 8th continuous calendar day of disability due to an employee's own personal illness or injury, STD may be applicable. STD may continue for up to 26 continuous weeks if the absence is properly supported by medical verification to the satisfaction of the plan administrator (our insurer). Once the first STD check is issued, an employee may not continue to receive pay from his/her PTO or IPB during that period of disability.

When an employee is eligible to receive benefits under the plan, he/she must submit a claim to the plan administrator.  See How to File a Claim

The weekly benefit is equal to 80% of 103% of the employee's hourly rate, times 40. An employee who returns to work mid-week will have his/her weekly benefits prorated for that week. The plan administrator will mail checks directly to the employee's home address.

Coverage is effective the first of the month following 90 day(s) of full time, active employment. STD is the method by which an employee is compensated and is not of itself an excused leave of absence from work. An employee should also apply for the appropriate leave of absence with People and Culture services.

*A short-term disability plan is available to faculty, professional, and staff employees as a voluntary benefit.

When an employee is eligible to receive benefits under the plan, he/she must submit a claim to the plan administrator. Depending on your date of injury will determine which plan administrator you need to file the claim under.  An injury or illness on or after January 1, 2026 Voya is the plan administrator; injuries or an illness prior to January 1, 2026 The Hartford will be the plan administrator.

        Voya (Effective January 1, 2026) The Hartford (prior to January 1, 2026)

  •   Claims Intake number 833-973-1670 Claims Intake number 888-301-5615
  •         www.mybenefitshub.voya.com www.thehartford.com/customer/login.com
  •   Group Policy#  752151 Group Policy# 697019 

 

You will be asked to provide:

  • Name, address, policy number, and other key identification information.
  • Name of your department and last day of active full-time work.
  • Your manager's or HR representative's name and phone number.
  • The nature of your claim. and if the injury or illness is work related
  • Your treating physician's name, address, and phone and fax numbers.

Claims may be filed beginning with the first day of absence but no later than 90 days after the date of loss for which the claim is made.