Human Resources

Long term disability (LTD) coverage pays you a percentage of your income if you cannot work due to an injury or illness preventing you from performing your job functions over a long time. The County offers voluntary long term disability insurance to any employee that does not receive employer paid long term disability insurance.

• Long term disability benefits typically begin after short term disability benefits end
• Vocational rehabilitation services are available to assist you in returning to work when possible
• While you are receiving benefits from Voya, they may waive some insurance premiums
• It is important to know that benefits are reduced by income from other sources like workers' compensation and Social Security.

Voluntary Long Term Disability (LTD)

All County employees are eligible to participate except for employees that are covered by another long term disability policy. Eligibility varies by bargaining unit. This is an employee paid benefit. Disability premiums are calculated based on your age and salary and will change throughout your coverage.

This benefit will only be displayed for enrollment if you are eligible. Employees can enroll without providing an evidence of insurability (EOI) form if they apply within 31 days of first becoming eligible. An EOI form will be required for all other enrollees.

When you become disabled, you must complete a waiting period meaning that you are absent from work due to the same disability for 360 consecutive days before benefits are payable. Any days that you are able to work after the start of your disability will not count towards your elimination period. See the plan document for all details.

Employer Paid Long Term Disability

The County provides employees in select Bargaining Units with employer paid Long Term Disability insurance. When you become disabled, you must complete a waiting period meaning that you are absent from work due to the same disability for 90 consecutive days before benefits are payable. Any days that you are able to work after the start of your disability will not count towards your elimination period. You may be eligible for Short Term Disability payments during this time if you enroll in Voya’s Voluntary Short Term Disability plan, which is employee paid. See the plan document for all details.

If you separate from the County, you may be eligible to convert your employee or employer paid long-term disability coverage and take the policy with you. You cannot convert your policy if any of the following applies:

• Termination of the Group Policy/Plan
• The Group Policy/Plan is amended to exclude from coverage the class of employees to which the employee belongs
• The employee no longer belongs to a class eligible for coverage under the Group Policy/Plan
• The employee retires
• The employee fails to pay any contributions required for coverage
• The employee is disabled
• The employee becomes covered for long term disability benefits under another group plan within 31 days after termination of coverage under this Group Policy/Plan.

Contact Information

Phone: 800-955-7736
Website: presents.voya.com/EBRC/SLO
Group Name: PRISM Health
Group Number: 316407
Account: 37 – County of San Luis Obispo

For instructions on how to submit an Evidence of Insurability (EOI) form, please visit the EOI Form Instructions webpage.