Voya

Public facts

Group life, disability, supplemental health, and stop-loss

Voya Employee Benefits (ReliaStar) workplace life, disability, leave, supplemental health, and direct-written medical stop-loss, plus Benefitfocus as Voya’s benefits-admin platform.

Visit voya.com

Overview

Voya Employee Benefits is a division of ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Public workplace pages and product flyers list group term life, whole life, Lifetime Life, STD and LTD, leave management (with Disability RMS), accident, critical illness/specified disease, hospital indemnity, and stop-loss (individual and aggregate excess risk). Stop-loss is described as a dedicated direct write for self-funded groups down to 100 lives and individual deductibles down to $25,000, with Stop Loss Edge for 101–500 employee plan sponsors. Voya completed its acquisition of Benefitfocus on January 24, 2023. New York business is issued only by ReliaStar Life of New York.

Why it matters Voya is a stop-loss direct writer and a life/disability carrier, and it owns Benefitfocus—relevant when admin and risk paper are evaluated together.

Target buyer: Employers and brokers placing Voya life/disability/voluntary and/or Voya stop-loss; benefits-admin buyers may also evaluate Benefitfocus.
Pricing model: Quoted group premium and/or stop-loss premium; No public PEPM. Older Voya materials have cited millions of workplace lives; confirm current figures with Voya. Form numbers and availability vary by state.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Group term life and other workplace life designs (including Lifetime Life and whole life on flyers)
Short-term and long-term disability; self-funded STD ASO available (ReliaStar ASO disclosure)
Leave management offered when Voya STD and/or LTD is purchased
Supplemental health: accident, critical illness, hospital indemnity
Direct-written stop-loss with plan mirroring and advanced funding features (vendor)
Stop Loss Edge pooled mid-market product (101–500 employees on the stop-loss page)

Integrations

Benefitfocus (Voya-owned benefits platform; see Benefitfocus product page)
Disability Reinsurance Management Services, Inc. / Disability RMS (leave services)
Voya Employee Benefits sales and employer service portals

Overview

Voya Financial’s workplace insurance is branded Voya Employee Benefits and issued by ReliaStar companies. The voya.com workplace-solutions and stop-loss pages, plus a 2025 Health Solutions at-a-glance flyer, document life, disability, supplemental health, leave, and stop-loss.

Stop-loss: flexible contracts for self-funded employers; support down to 100 lives and $25,000 individual deductibles; standard features named include plan mirroring, individual advanced funding, and ASO expedited reimbursement. Stop Loss Edge is a pooled-renewal product for 101–500 employee plan sponsors (page wording; one snippet also said 1001–500, which is internally inconsistent—use the live stop-loss page).

Benefitfocus is a separate Voya benefits-administration company (acquisition closed January 24, 2023). It is not required to buy Voya insurance.

Key Capabilities

Group and voluntary life (term, whole life, Lifetime Life on flyers).
STD/LTD; leave management tied to purchase of Voya disability.
Limited-benefit supplemental health (not ACA minimum essential coverage—flyer disclosure).
Stop-loss and Stop Loss Edge.
Retirement/workplace wealth is a different Voya franchise and is out of scope here.

Integrations & Ecosystem

Benefitfocus; Disability RMS for leave; ReliaStar policy administration. A full carrier-API list is not on the stop-loss page.

Pricing

Quoted. Stop-loss and group products are separate.

Notes & Limitations

NY: ReliaStar Life of New York only.
Stop Loss Edge employee-band wording conflicted across snippets; confirm on voya.com/page/stop-loss-insurance.
Recorded as National.
Supplemental health policies are limited-benefit.

Sources

Tags: Voya · stop-loss · disability · group life · Benefitfocus · ReliaStar