Your Benefit Choices

Voya offers its employees an array of benefits. The wide range of options allows you to tailor your health care coverage and other benefits to match your needs. And the best way to make good choices is to be fully informed about what is available to you.

Employees on the United States payroll of Voya and its Participating Affiliates, who are scheduled to work at least 30 hours a week are eligible for all Voya health and welfare benefit plans described in the Voya Benefits Enrollment Guide. Employees on the United States payroll of Voya and its Participating Affiliates, who are scheduled to work at least 17.5 hours a week, but less than 30 hours a week, can participate in all plans – except the disability plans.

You will be mailed a personalized enrollment worksheet detailing the plans for which you are eligible to your home address within a few weeks of your hire date. Once you receive this information and review your enrollment options, you can enroll in benefits online. You can access the online enrollment Web site either through the Internet at or through Voya 360. Remember, you must complete your enrollment within 30 days of your hire date. If you have questions regarding your enrollment, please contact the HR Service Center at (800) 555-1899.

As a reminder, if you were hired at the end of the calendar year, you will also need to enroll for next year’s benefits within 30 days of your hire date. Once you enroll in your new hire benefits, you will automatically be asked to enroll in benefits for the next calendar year. If you don’t enroll, you may not have the coverage you need for the next year. You can access the enrollment site either through the Internet at or through Voya 360.

Want to shape your future? Our 401(k) plan, The ING U.S. Savings Plan and ESOP (“ING U.S. Savings Plan”), is a way to help you work toward a secure financial future. You can enroll immediately, you make your contributions on a pre-tax or after-tax basis, and each pay period Voya matches 100% of your contributions up to the first 6 % of eligible compensation you contribute to the ING U.S. Savings Plan.  The ING U.S. Savings Plan enrollment information packet will be mailed to your home address shortly after your start date.  Once you receive your enrollment information, you can access the ING U.S. Savings Plan website at

All regular full-time and part-time employees are eligible to participate in the ING U.S. Retirement Plan.  It's a cash-balance pension plan that credits an amount to your cash-balance account each month, equal to 4% of your eligible pay. (This is called a “pay credit.”). Interest is credited monthly (This is called an “interest credit.”). Unlike in a 401(k) plan account, where you bear investment risk, your cash-balance account will grow at a 30-year U.S. Treasury securities bond rate in effect for each year. You become fully vested in your cash-balance benefit when you’ve completed three years of vesting service.  If you are vested when you leave the company, cash-balance pension benefits are payable as a lump sum or you have the option to choose from available monthly payment options (also known as annuities).

You should consider the investment objectives, risks, charges and expenses of the mutual funds offered through a retirement plan, carefully before investing. The fund prospectuses contain this and other information, which can be obtained by contacting/calling the HR Service Center at (800) 555-1899 (when first prompted, press 1; when prompted again press 2). Please read the information carefully before investing.

Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and are issued by ING Life Insurance and Annuity Company ("ILIAC") One Orange Way, Windsor CT 06095-4774. Fixed annuities are issued by ILIAC. ILIAC is solely responsible for meeting its obligations. Plan administrative services are provided by ILIAC or ING Institutional Plan Services, LLC ("IIPS"). Neither ILIAC nor IIPS engage in the sale or solicitation of securities. All companies are members of the ING family of companies. Securities distributed by ING Financial Advisers, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. All products or services may not be available in all states.