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Employee Benefits from Colonial Life
Voluntary benefits, sometimes called supplemental insurance, are often employee-paid policies that can help enhance the health and life insurance employers provide. Paid directly to the employee, they can be used for things other insurance may not cover, such as lost wages, out-of-pocket expenses and household bills.
Our Products
Accident Insurance
How Colonial Life critical illness insurance works
Health insurance is supposed to be there when you need it most, yet it often fails to cover all the expenses associated with a critical illness. Fortunately, Colonial Life can help bridge the gap and give you greater peace of mind.
Colonial Life critical illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you may use to pay direct and indirect costs related to the most prevalent critical illnesses. Some of the covered conditions include:
- Heart attack
- Stroke
- End-stage renal (kidney) failure
Other serious illnesses may be covered as well, depending on the specific design of your plan. Additional coverage options also are available to help pay for health screenings, subsequent diagnoses and cancer vaccines.
Talk with your Colonial Life benefits counselor to find out more details and learn how critical illness insurance can help you focus on getting better.
Health insurance is supposed to be there when you need it most, yet it often fails to cover all the expenses associated with a critical illness. Fortunately, Colonial Life can help bridge the gap and give you greater peace of mind.
Colonial Life critical illness insurance helps supplement your major medical coverage by providing a lump-sum benefit that you may use to pay direct and indirect costs related to the most prevalent critical illnesses. Some of the covered conditions include:
- Heart attack
- Stroke
- End-stage renal (kidney) failure
Other serious illnesses may be covered as well, depending on the specific design of your plan. Additional coverage options also are available to help pay for health screenings, subsequent diagnoses and cancer vaccines.
Talk with your Colonial Life benefits counselor to find out more details and learn how critical illness insurance can help you focus on getting better.
Disability Insurance
How Colonial Life disability insurance works
When an accident or illness happens, the last thing you want to think about is how you're going to pay the bills. With our short-term disability benefits, you may receive financial support for up to two years, so you can focus on what really matters: recovering and getting back to work.
Colonial Life Disability Insurance offers disability benefits, as well as a variety of optional provisions to pay for psychiatric conditions, psychological conditions and hospital admission.
You can choose the appropriate benefit amount to meet your needs. No matter which amount or policy you select, benefits are:
- Payable on a monthly basis directly to you (unless you specify otherwise), regardless of any insurance you may have with other companies
- Able to be used to pay for whatever you like, including rent, house payments, car payments, utilities, credit card bills, travel expenses and more
- Potentially available if you return to work part time
- Able to be kept if you change jobs
Talk with your Colonial Life benefits counselor to learn more and pick the right plan for you.
When an accident or illness happens, the last thing you want to think about is how you're going to pay the bills. With our short-term disability benefits, you may receive financial support for up to two years, so you can focus on what really matters: recovering and getting back to work.
Colonial Life Disability Insurance offers disability benefits, as well as a variety of optional provisions to pay for psychiatric conditions, psychological conditions and hospital admission.
You can choose the appropriate benefit amount to meet your needs. No matter which amount or policy you select, benefits are:
- Payable on a monthly basis directly to you (unless you specify otherwise), regardless of any insurance you may have with other companies
- Able to be used to pay for whatever you like, including rent, house payments, car payments, utilities, credit card bills, travel expenses and more
- Potentially available if you return to work part time
- Able to be kept if you change jobs
Talk with your Colonial Life benefits counselor to learn more and pick the right plan for you.
Dental & Vision Insurance
A significant step toward physical and financial health
Don't let a trip to the dentist leave a hole in your bank account
Regular dental appointments help maintain not only your oral health, but your overall wellness since dental problems can lead to other health problems if left unattended. Our Dental Insurance can help.
With Colonial Life Dental Insurance, you can get coverage for regular dental visits and more extensive procedures, including
- Cleanings
- Fillings
- Sealants
- Tooth removal
- Crowns
- Dentures
Dental Insurance lets you focus on getting the oral care you need to keep your smile healthy.
Don't let a trip to the dentist leave a hole in your bank account
Regular dental appointments help maintain not only your oral health, but your overall wellness since dental problems can lead to other health problems if left unattended. Our Dental Insurance can help.
With Colonial Life Dental Insurance, you can get coverage for regular dental visits and more extensive procedures, including
- Cleanings
- Fillings
- Sealants
- Tooth removal
- Crowns
- Dentures
Dental Insurance lets you focus on getting the oral care you need to keep your smile healthy.
Cancer Insurance
How Colonial Life cancer insurance works
If cancer affects your life, you should be able to focus on finding the best treatment and getting better – not on how you'll pay your bills.
Colonial Life cancer insurance offers benefits to assist with out-of-pocket costs that may not be covered by your medical insurance, including expenses related to inpatient or outpatient treatment, surgery, travel and recovery care.
Equally important, some plans also cover an annual cancer screening test to promote prevention and early diagnosis. Optional riders may be available to provide even more financial protection during the initial diagnosis period and hospital stays.
With Colonial Life cancer insurance policies:
- Coverage options are available for you, your spouse and your eligible dependents.
- Benefits are payable directly to you, unless you specify otherwise.
- Benefits are payable regardless of any insurance you have with other companies.
- Some policies can be taken with you even if you change jobs.
Plans vary, so talk with your Colonial Life benefits counselor to learn more about how cancer insurance can help provide financial protection for you and your family.
If cancer affects your life, you should be able to focus on finding the best treatment and getting better – not on how you'll pay your bills.
Colonial Life cancer insurance offers benefits to assist with out-of-pocket costs that may not be covered by your medical insurance, including expenses related to inpatient or outpatient treatment, surgery, travel and recovery care.
Equally important, some plans also cover an annual cancer screening test to promote prevention and early diagnosis. Optional riders may be available to provide even more financial protection during the initial diagnosis period and hospital stays.
With Colonial Life cancer insurance policies:
- Coverage options are available for you, your spouse and your eligible dependents.
- Benefits are payable directly to you, unless you specify otherwise.
- Benefits are payable regardless of any insurance you have with other companies.
- Some policies can be taken with you even if you change jobs.
Plans vary, so talk with your Colonial Life benefits counselor to learn more about how cancer insurance can help provide financial protection for you and your family.
Hospital Indemnity Insurance
How Colonial Life hospital indemnity insurance works
When a sudden illness or injury affects your health, our hospital indemnity insurance helps minimize its effect on your finances. After customizing a policy with your preferred benefit amount, you can use your insurance to pay for day-to-day bills or out-of-pocket medical costs, such as deductibles, co-payments and other expenses.
Colonial Life's hospital indemnity insurance makes it easy to customize a policy and help prepare for unexpected expenses. Most plans even include an annual wellness benefit to help promote a healthy lifestyle.
All policies include:
- Benefits payable directly to the policyholder (unless specified otherwise) that can be used for any purpose
- Availability for you, your spouse and eligible dependent children
- Clear benefit amounts so you know the exact amount that's payable for covered services
Costs, exclusions and limitations may vary, so talk with your Colonial Life benefits counselor to learn more.
When a sudden illness or injury affects your health, our hospital indemnity insurance helps minimize its effect on your finances. After customizing a policy with your preferred benefit amount, you can use your insurance to pay for day-to-day bills or out-of-pocket medical costs, such as deductibles, co-payments and other expenses.
Colonial Life's hospital indemnity insurance makes it easy to customize a policy and help prepare for unexpected expenses. Most plans even include an annual wellness benefit to help promote a healthy lifestyle.
All policies include:
- Benefits payable directly to the policyholder (unless specified otherwise) that can be used for any purpose
- Availability for you, your spouse and eligible dependent children
- Clear benefit amounts so you know the exact amount that's payable for covered services
Costs, exclusions and limitations may vary, so talk with your Colonial Life benefits counselor to learn more.
Critical Illness Insurance
Sudden illnesses don’t have to cause sudden stress.
Critical illness insurance provides protection for your employees
Your existing medical insurance plans and wellness programs provide a solid foundation for good health, but with rising costs all around, it can be difficult to provide the benefits employees need without affecting your bottom line.
Meanwhile, when someone on your team is diagnosed with a critical illness, they’re often forced to take time off to heal, as well as pay for mounting expenses that their health insurance won’t cover. Fortunately, critical illness insurance can help.
These voluntary benefit plans supplement major medical coverage by providing a lump-sum benefit employees can use to pay direct and indirect costs related to a critical illness, such as:
Deductibles and co-pays
Expenses related to out-of-network treatment and additional medical procedures, such as angioplasty and pacemaker implantation
Travel, lodging and meals during treatment
Lifestyle changes that may lead to better health, such as gym memberships and smoking cessation programs
Rehabilitation and home health services
Child care
This financial protection offers a simple way to strengthen your benefits package and help give employees peace of mind.
Critical illness insurance provides protection for your employees
Your existing medical insurance plans and wellness programs provide a solid foundation for good health, but with rising costs all around, it can be difficult to provide the benefits employees need without affecting your bottom line.
Meanwhile, when someone on your team is diagnosed with a critical illness, they’re often forced to take time off to heal, as well as pay for mounting expenses that their health insurance won’t cover. Fortunately, critical illness insurance can help.
These voluntary benefit plans supplement major medical coverage by providing a lump-sum benefit employees can use to pay direct and indirect costs related to a critical illness, such as:
Deductibles and co-pays
Expenses related to out-of-network treatment and additional medical procedures, such as angioplasty and pacemaker implantation
Travel, lodging and meals during treatment
Lifestyle changes that may lead to better health, such as gym memberships and smoking cessation programs
Rehabilitation and home health services
Child care
This financial protection offers a simple way to strengthen your benefits package and help give employees peace of mind.
Term Life Insurance
How life insurance works
Get the coverage that’s right for your needs
No matter where you are in life, you can get coverage that’s right for your needs with options that can help you protect your family’s future.
- Benefits are typically paid tax-free to the person you choose to receive your benefits.
- You can keep your life insurance coverage if you change jobs or retire.
- For some plans, coverage may be available with no medical questions or exams to qualify.
Term life insurance is a type of life insurance that provides coverage for a specific period or "term", out options include 10, 15 20, and 30 year term.
Get the coverage that’s right for your needs
No matter where you are in life, you can get coverage that’s right for your needs with options that can help you protect your family’s future.
- Benefits are typically paid tax-free to the person you choose to receive your benefits.
- You can keep your life insurance coverage if you change jobs or retire.
- For some plans, coverage may be available with no medical questions or exams to qualify.
Term life insurance is a type of life insurance that provides coverage for a specific period or "term", out options include 10, 15 20, and 30 year term.
Whole Life Insurance
How life insurance works
Get the coverage that’s right for your needs
No matter where you are in life, you can get coverage that’s right for your needs with options that can help you protect your family’s future.
- Benefits are typically paid tax-free to the person you choose to receive your benefits.
- You can keep your life insurance coverage if you change jobs or retire.
- For some plans, coverage may be available with no medical questions or exams to qualify.
Whole life insurance is a type of permanent life insurance that provides coverage for your entire life as long as you pay the premiums. This plan also builds cash value component.
Get the coverage that’s right for your needs
No matter where you are in life, you can get coverage that’s right for your needs with options that can help you protect your family’s future.
- Benefits are typically paid tax-free to the person you choose to receive your benefits.
- You can keep your life insurance coverage if you change jobs or retire.
- For some plans, coverage may be available with no medical questions or exams to qualify.
Whole life insurance is a type of permanent life insurance that provides coverage for your entire life as long as you pay the premiums. This plan also builds cash value component.
INDIVIDUAL AND GROUP PRODUCTS AVAILABLE
We offer group and individual options on all product lines listed above (except dental). Guaranteed-issue options are available across all lines (subject to account and case size limitations), and we can efficiently enroll both group and individual products on the same platform.
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