What Happens to Your Voya Financial Account When You Die
Quick Facts
Type
Retirement & Investment Plans
Urgency
Immediate — estate claim required
Phone
1-800-584-6001
Documents Needed
Death certificate, proof of authority
Step-by-Step Guide
Call Voya to report the death
Call 1-800-584-6001 to notify Voya of the death. Provide the deceased's name, SSN, and employer plan information. Voya will initiate the death benefit claim process and provide instructions for next steps.
Estimated time: Immediately
Submit claim documentation
Voya will mail or email claim forms. Complete and return with a certified death certificate, your government-issued ID, and proof of your relationship to the deceased (beneficiary designation or Letters Testamentary).
Estimated time: 1-2 weeks
Select distribution option
Once the claim is approved, choose your distribution method. Options typically include lump sum, rollover to an inherited IRA, or periodic payments. Tax implications vary by method — consult a tax advisor before deciding.
Monitor claim processing
After submitting all documents, Voya typically processes claims within 5-10 business days. Follow up if you have not received confirmation within two weeks. Keep copies of all submitted documents.
Estimated time: 2-4 weeks
Document Now Checklist
- Employer name
- Voya account number
- Plan name
- Balance (approx)
- Beneficiary designations
- Voya login email
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Voya Financial. This guide is for informational purposes only and does not constitute legal advice.
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Contact the deceased's employer HR department first — they coordinate most of these benefits and can provide contact information for each plan administrator.
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