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Benefit Booklet - 2025
Learn more online at:ColonialLife.comColonial Life provides benets that employees want for the unexpected moments in life. Whether planning for retirement, growing their families, or saving for college, they know an injury or illness won’t derail their dreams. 10-22 | NS-1017472<b>Kitty Mellone</b>Kmellone@coloniallifenc.com704-907-3944Life is anything but expected. That’s why we’re here.ProductsDisability InsuranceProvides financial protection to cover income loss from a covered disability.Provides first day coverage if admitted to the hospital.Dental & Vision InsuranceProvides coverage for a wide range of dental services, from routine cleanings to root canals. There are no waiting periods for preventive, basic or major services such as fillings and simple extractions. Offers additional savings through a large national network of providers. A Network Access Plan is available.
Disability InsuranceHow you can protect your incomeIf you become disabled, you could be out of work for a while. Without your income, how would you pay for your everyday living expenses? Fortunately, Colonial Life offers nancial protection options that can help you. What can cause a disability? Many accidents or sicknesses can lead to short term disability claims, including pregnancy and childbirth; injuries from a major accident including dislocations, sprains and fractures; back problems; side effects from medicines or medical procedures; and some mental illnesses. Regardless of your age or health, a disabling sickness or accidental injuries could keep you out of work for weeks or even months.How reliable is your safety net? While many people with disabilities look to workers’ compensation or Social Security Disability Insurance (SSDI) for help, these resources aren’t always reliable. In fact, 68% of workers who apply for SSDI are denied.1 Even if these resources can help, they might not be enough to meet your nancial obligations.How to help yourself You can be better prepared to preserve your way of life with short term disability insurance. Disability insurance features:• Benets payable directly to you in regular payments if you can’t work because of a covered accident or sickness (injury or illness).• Disability benets may be available if you return to work part time. • In most cases, you can keep your coverage even if you change jobs, as long as you pay your premiums when due.Your Colonial Life benets counselor can help you determine the amount of coverage that’s right for you.70%of Americans worry about having enough emergency savings to cover a month’s worth of living expenses.2Nearly25%of 20 year olds can expect to be out of work for at least a year for a disabling condition before they retire.3DISABILITY INSURANCE
Disability Insurance Worksheet You can tailor disability coverage to t your specic needs. Talk with your benets counselor about your expenses and other paid leave benets, such as state paid medical leave, to help determine the coverage that’s right for you.4MONTHLY EXPENSES ROUND TO THE NEAREST HUNDREDRent or mortgage (insurance, minor home repairs) $Transportation (car note, bus fare, insurance, gas, maintenance)$Utilities (cell phone, Wi-Fi, electricity/gas, water) $Food and household necessities (toiletries, cleaning supplies)$Childcare (daycare, after-school care) $Health (medical needs and prescription drugs) $Other (gym/fitness, streaming/cable, extracurricular) $Total monthly expenses (add lines 1-7 together) $Your state’s paid medical leave approximate benefits (if any):Monthly benefit: _____________ Benefit period up to: _____________Talk with your Colonial Life benets counselor to learn more about disability insurance.ColonialLife.com1. Social Security Administration, SSI Annual Statistical Report, 2021.2. Bankrate, Bankrate’s 2023 annual emergency savings report, 2023. 3. Social Security Administration, Disability and Death Probability Tables for Insured Workers, 2022.4. State paid medical leave (PML) benets fall under state-specic program names. For example, in New Jersey, it may be referred to as Temporary Disability Insurance (TDI). Not available in all states.For policies issued or delivered in the Commonwealth of Virginia, THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benets payable. Applicable to policy forms ISTD3000 and rider form ISTD3000-ADIB (including state abbreviations where used, for example: ISTD3000-TX and ISTD3000-ADIB-TX ), policy form DIS1000 (including state abbreviations where used, for example DIS1000-TX), policy form ED-DIS 1.0 (including state abbreviations where used, for example ED-DIS 1.0-TX), policy form ICC21-DIP3000 and rider form ICC21-DIP3000-R-DIS, policy form GDIS-P and certicate form GDIS-C (including state abbreviations where used, for example: GDIS-P-EE-TX and GDIS-C-EE-TX), and policy form VSTDMP and certicate form VSTDC (including state abbreviations where used, for example VSTDMP-TX and VSTDC-TX). Not applicable in Oregon for policy form ICC21-DIP3000 and rider form ICC21-DIP3000-R-DIS. For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company. An insurance producer may contact you.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.© 2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 6-23 | 101165-10
Group Disability (GDIS 1.0)Account Name: Asheville Medical & PediatricsPlan Selected: On/Off Job Disability Coverage* Date Prepared: 04/14/2025Quote Expires: 07/13/2025Issue Age 0/7 7/7 0/14 14/1417-49$2.92 $2.76 $2.12 $1.8350-64$3.38 $3.32 $2.54 $2.2365-74$5.03 $4.72 $3.79 $3.41Plan Codes:PHJ2PHJ4PHJ3 PHJ6Issue Age 0/7 7/7 0/14 14/1417-49$3.89 $3.60 $3.03 $2.5750-64$4.83 $4.73 $3.76 $3.3865-74$8.24 $7.73 $5.94 $5.34Plan Codes:PHK2PHK4PHK3 PHK66 Month Benefit PeriodElimination Period* A unit of On/Off job disability coverage provides monthly benefits of $100 Off-job coverage and $50 of On-job coverage.Situs State: North CarolinaRate InformationMonthly rates per $100 Monthly Benefit3 Month Benefit PeriodElimination PeriodThis information is only intended for proposal use with employers. Colonial Life products are underwritten by Colonial Life Accident Insurance Company, for which Colonial Life is the marketing brand.
Individual Dental InsuranceFreedom Plan $1,000 | 100% | 80% | 50%This benet summary provides a quick reference for the dental plan benets. Policy detailsPolicy year maximum benefit• Per person (applies to Class A, B and C services)$1,000 Deductible• Per person (applies to Class B and C services only) • Maximum of three per family per policy year$50Freedom Plan dental coverage at a glanceCo-insurance In-network1Out-of-network2 (90th UCR )Class A: Preventive services 100% 100%Class B: Basic services 80% 80%Class C: Major services 50% 50%Carryover benets3Carryover amount Per covered family memberThreshold limit Carryover account max$200 $500 $800 How carryover benefits work Receive a $200 benefit in your carryover account to use in the next benefit year when you meet these conditions:• One cleaning and one routine exam and• Total paid dental claims for Class A, B or C services below $500 (your threshold limit, the maximum amount of benets an insured can receive during a policy year and still be able to receive the carryover benet). Your carryover account can grow up to $800 to help pay for claims if you exceed your policy year maximum benefit.3INDIVIDUAL DENTAL - FREEDOM PLAN
Covered services In-network coverage1Out-of-network coverage2 (90th UCR)Waiting periodClass A: Preventive services• Routine exams and cleanings ‐ Two per 12-month period ‐ One additional cleaning per 12 months if member is in second or third trimester of pregnancy4• X-rays (bitewing x-rays) ‐ Up to four lms, once every 12 months• Full mouth/panoramic x-rays ‐ Once every ve years• Fluoride treatment ‐ Up to age 16, once every 12 months• Sealants ‐ Up to age 16, once every 36 months• Space maintainers ‐ Up to age 16, once every 24 months• Oral cancer screening ‐ For age 40+, once every 12 months100% 100% No waiting periodClass B: Basic services• Fillings• Posterior composite restorations• Simple extractions• Emergency treatment80% 80% No waiting periodClass C: Major services• Oral surgery (surgical extractions and impacted teeth)• Anesthesia (covered with complex oral surgery)• Repair of crowns, dentures or bridges• Periodontics (gum treatments)• Endodontics (root canals)• Inlays and onlays• Crowns, bridges, dentures and endosteal implants• Crown lengthening 50% 50%12-month waiting period5Contact your Colonial Life benets counselor to learn more.1 In-network benets are for covered dental services provided by a participating dentist. Participating dentists have agreed to accept negotiated fees as payment in full, subject to any deductibles, co-insurance and benet maximums, and will le claims for you.2 Out-of-network benets are for covered dental services provided by a non-participating dentist. Benets are based on usual, customary, and reasonable (UCR) charges for the same covered procedure by providers of similar training or experience in the general geographic area. Dentists haven’t agreed to accept the reimbursement as payment in full, and patients are responsible for any remaining charges, deductibles and co-insurance. You may have to le a claim to receive benets. UCR charges are reviewed and updated periodically.3 You must be covered for 12 consecutive months to receive the carryover benet. The carryover benet may not be used for orthodontic treatment or services. A break in dental coverage will eliminate the carryover account balance.4 Member may have one additional periodontal maintenance in place of an additional cleaning.5 Six-month waiting period in Vermont. Summary of Dental Benets and Coverage Disclosure Matrix (SDBC) is available at ColonialLifeDental.com/California.THIS POLICY PROVIDES LIMITED BENEFITS. A NETWORK ACCESS PLAN IS AVAILABLE.This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benets payable. Applicable to policy form IDN8100 (including state abbreviations where used, for example: IDN8100-TX). For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.© 2024 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 4-24 | 1764443ColonialLife.com
Individual Dental Insurance Enhanced Plan 3 000 100 80 50 This benefit summary provides a quick reference for the dental plan benefits Policy details Policy year maximum benefit Per person applies to Class A B and C services 3 000 Deductible Per person applies to Class B and C services only Maximum of three per family per policy year 50 Enhanced Plan dental coverage at a glance Co insurance In network1 Out of network2 MAC Class A Preventive services 100 100 Class B Basic services 80 80 Class C Major services 50 50 Carryover benefits3 Carryover amount Threshold limit Carryover account max 400 800 1 600 Per covered family member How carryover benefits work Receive a 400 benefit in your carryover account to use in the next benefit year when you meet these conditions One cleaning and one routine exam and Total paid dental claims for Class A B or C services below 800 your threshold limit the maximum amount of benefits an insured can receive during a policy year and still be able to receive the carryover benefit Your carryover account can grow up to 1 600 to help pay for claims if you exceed your policy year maximum benefit 3 INDIVIDUAL DENTAL ENHANCED PLAN
Covered services In network coverage1 Out of network coverage2 MAC Waiting period 100 100 No waiting period 80 80 No waiting period 50 50 12 month waiting period5 Class A Preventive services Routine exams and cleanings Two per 12 month period One additional cleaning per 12 months if member is in second or third trimester of pregnancy4 X rays bitewing x rays Up to four films once every 12 months Full mouth panoramic x rays Once every five years Fluoride treatment Up to age 16 once every 12 months Sealants Up to age 16 once every 36 months Space maintainers Up to age 16 once every 24 months Oral cancer screening For age 40 once every 12 months Class B Basic services Fillings Posterior composite restorations Simple extractions Repair of crowns dentures or bridges Periodontics gum treatments Endodontics root canals Emergency treatment Class C Major services Oral surgery surgical extractions and impacted teeth Anesthesia covered with complex oral surgery Inlays and onlays Crowns bridges dentures and endosteal implants Crown lengthening Contact your Colonial Life benefits counselor to learn more 1 In network benefits are for covered dental services provided by a participating dentist Participating dentists have agreed to accept negotiated fees as payment in full subject to any deductibles coinsurance and benefit maximums and will file claims for you 2 Out of network benefits are for covered dental services provided by a non participating dentist Benefits are provided at the lesser of the dentist s actual fee or the Maximum Allowable Charge MAC a scheduled amount determined by Colonial Life In Alaska only benefits are based on usual customary and reasonable charges 80th UCR for the same covered procedure by providers of similar training or experience in the general geographic area reviewed and updated periodically Benefits are subject to any deductibles co insurance and maximums Dentists haven t agreed to accept reimbursement as payment in full Additional out of pocket costs may apply You may have to file a claim to receive benefits 3 You must be covered for 12 consecutive months to receive the carryover benefit The carryover benefit may not be used for orthodontic treatment or services A break in dental coverage will eliminate the carryover account balance 4 Member may have one additional periodontal maintenance in place of an additional cleaning 5 Six month waiting period in Vermont Summary of Dental Benefits and Coverage Disclosure Matrix SDBC is available at ColonialLifeDental com California THIS POLICY PROVIDES LIMITED BENEFITS A NETWORK ACCESS PLAN IS AVAILABLE This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any bene ts payable Applicable to policy form IDN8100 including state abbreviations where used for example IDN8100 TX For cost and complete details of coverage call or write your Colonial Life bene ts counselor or the company Underwritten by Colonial Life Accident Insurance Company Columbia SC ColonialLife com 2024 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company FOR EMPLOYEES 4 24 1764147
Save more by visiting a network dentistWith dental insurance from Colonial Life, you’ll have access to a nationwide network of more than 323,000 access points1. You can visit any dentist, but you’ll stretch your benefits by selecting from our DenteMax Plus/AlwaysCare network of dental professionals.IDN8000 – DENTEMAX/ALWAYSCARE NETWORK In-network savings2DENTAL PROCEDURE AVERAGE COST RANGE MEMBER OUT-OF-POCKET COSTPeriodic oral exam3$40-$50 $0Adult cleaning3$74-$87 $0Four bitewing X-rays3$50-$62 $0Crown (porcelain/ceramic)$1,000-$1,195 $425-$508Root canal therapy (back tooth)$1,015-$1,095 $432-$465ColonialLife.comFor more information, talk with your Colonial Lifebenefits counselor.Dental NetworkMore choices, greater savingsHow much can you save?Dental costs vary from region to region, but our dental members everywhere benefit two ways: Discounted fees for in-network services Insurance coverage of up to 50%, 80% or even 100% Our members also receive in-network discounts to help o set dental expenses like routine cleanings and X-rays, as well as major expenses such as implants, crowns and oral surgery.323,000+ dental access points1
We welcome provider referrals. Email ReferAProvider@ColonialLife.com to request that your dentist be added to our network.ColonialLife.com 1-18 | 101841Using our dental network is easyOur DenteMax Plus/AlwaysCare network gives you access to top dental professionals in your area, making it easy to locate a dentist who’s right for you. Refer to the document that came with your Colonial Life dental ID card to see a list of dentists closest to you. Click on the dental provider search tool on ColonialLife.com. Consult the AlwaysAssist mobile app. Confirm that your dentist is in network by having the o ice verify participation in the DenteMax Plus/AlwaysCare network prior to your appointment. Remember claims forms are not needed for in-network dentists.©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. Dental plans are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.1 Internal data (2017). Access points are sites where network dentists see patients. Some dentists may be available at more than one access point.2 Savings based on in-network discounts and covered benefits. This is just an illustration. Eligibility for, entitlement to and amount of actual benefits will be determined according to the terms of your dental policy. Based on Colonial Life internal data, 2016 and average cost ranges from one ZIP code (70806). Aer enrollment, use the Dental Cost Estimator on AlwaysAssist.com for information specific to your ZIP code.3 Dental insurance usually pays 100% for these services. Plans and benefits may vary.4 Starmount/AlwaysCare Benefits “2017 Customer Satisfaction Survey” (2017).Overall dental and vision member satisfaction495%Extended customer service hours (ET)Monday-Friday: 8 a.m. – 8 p.m.Saturday: 10 a.m. – 4 p.m. Online self-service is available 24/7 at ColonialLife.com
Individual Dental InsuranceVision Rider Our vision coverage helps you and your family maintain your vision wellness, with coverage for eye exams and optical materials, such as eyeglasses or contact lenses. This benet summary provides a quick reference to the rider’s benets.Co-pays (per insured)1Benefits (once per 12 months) In-network Out-of-networkVision exam $10 N/AContact lenses fitting $25 N/AMaterials $25 N/ABenets and allowances1Benets, after co-pay In-network Out-of-networkVision exam Covered in full $35 allowanceContact lenses fitting, after co-payStandard2Up to $60 allowance Up to $45 allowanceSpecialty3Up to $100 allowance Up to $75 allowanceMaterials: Eyeglass lenses and frames, after co-pay4Single vision Covered in full Up to $25 allowanceBifocals Covered in full Up to $40 allowanceTrifocals Covered in full Up to $50 allowanceLenticular Up to $120 allowance Up to $50 allowanceProgressives Up to $70 allowance Up to $40 allowancePolycarbonate lenses (for children to age 19 only)Covered in full Up to $30 allowanceFrames Up to $170 allowance Up to $50 allowanceMaterials: Contact lenses, after co-pay5Elective Up to $170 allowance Up to $100 allowanceNon-elective Up to $210 allowance Up to $210 allowanceMAXIMIZE YOUR BENEFITS Maximize your vision benets with any provider in our large, nationwide network, including independent eye doctors, and retail stores such as: • Walmart and Sam’s Club Optical• Target Optical• Pearle Vision• VisionworksYou can choose different providers for eye exams, eyeglasses and contact lenses.ID CARDS• Vision ID cards are mailed to your home address within 10 business days of enrolling, separate from dental ID cards.• Digital ID cards are available on the policyholders portal when your coverage starts.• Only the primary insured’s name will be listed.INDIVIDUAL DENTAL - VISION RIDER
Special savings on material purchases6Some network providers offer special pricing and discounts for certain vision materials, including lens add-ons and a second pair of glasses. See the chart below for details. Participating providers are designated as “Value Added” or “Service Plus” in the provider directory at ColonialLifeDental.com.VALUE ADDED PROVIDERSSpecial pricing and discounts on lens options for first pair of glasses (add-ons for insured purchases)• UV Coating ...................................$15• Solid tinting/gradient tinting ........ $15• Standard scratch-resistant coating ........................................$15• Standard antireective coating ....................................... $45• Premium antireective coating ....................................... $70• Ultra-antireective coating ........................20% discount • Polarized lenses ...........................$75• Transition lenses .........................$75• Progressive lenses: ‐ Standard .................................$110 ‐ Premium ................................ $170 ‐ Ultra ......................... 20% discount • Standard polycarbonate lenses ......................................... $40• High index (single vision) ‐ 1.56–1.60 .................................. $60 ‐ 1.66+ .........................20% discount • High index (multifocal) ‐ 1.56–1.60 ...................................$75 ‐ 1.66+ .........................20% discount Special pricing and discounts on purchase of second pair of glasses• Single vision plastic lenses ......... $40• Bifocal plastic lenses ...................$60• Trifocal lenses..............................$70• Progressive lenses (standard) ...................................$110• Progressive lenses (premium and ultra) ..................... 20% discountDiscount on frames, contact lenses and other products• Frames ................................................ Up to 35% discount• Contact lenses ..........5 to 15% discount, depending on type• Other products ...............20% discount on nonprescription sunglasses and other products/solutionsSERVICE PLUS PROVIDERSReceive up to a 20% discount for the following add-ons to insured purchases• UV Coating• Solid tinting/gradient tinting• Standard scratch-resistant coating• Standard antireective coating• Premium antireective coating• Transition lenses• Standard polycarbonate lensesNote: Not a covered benet. Prices shown reect member payment. Discounts reect percentage off the regular price.1 You are responsible for paying the provider directly for any co-pays, amounts over your allowance, and for any services or materials that are not covered under this rider.2 The standard contact lenses tting exam fee applies to a new or existing contact lens user who wears spherical disposable, daily wear, or extended wear lenses only. This includes follow-ups. 3 The specialty contact lenses tting exam fee applies to a new or existing contact lens user who wears toric, gas-permeable, mono-t or multi-focal lens. This includes follow-ups. 4 Eyeglass lenses and frames are paid in lieu of the contact lenses benet.5 The contact lenses benet is paid in lieu of eyeglass lenses and frames.6 These schedules are subject to change without notice. Added value discounts may not be available in all geographical areas and may vary by network. Not all providers, such as Walmart, Sam’s Club and Costco Optical, choose to participate in these programs. Some frames and lens items may have manufacturer restrictions and cannot be discounted. Special lens packages that combine multiple lens enhancements at value price points are not covered by these added value programs. Programs may not be combined with any other promotions or discounts.THIS POLICY PROVIDES LIMITED BENEFITS. A NETWORK ACCESS PLAN IS AVAILABLE.This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benets payable. Applicable to policy forms IDN8100-AR and IDN8100-NC, and rider forms R-VSN8100-AR and R-VSN8100-NC. For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company.Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. © 2024 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYEES 5-24 | 1820767 -AR-NCColonialLife.com
Deductions per year: 12Individual Dental 8100 (IDN8100) for NCApplicable to policy form Individual Dental 8100 (IDN8100)lwith Vision Rider - 0 Month Waiting Period, Applicable to Class C ServicesZip Codes: ALL Zip CodesCOVERAGE LEVEL NAMED INSURED NAMED INSURED ANDSPOUSENAMED INSURED ANDDEPENDENTCHILD(REN)NAMED INSURED,SPOUSE ANDDEPENDENTCHILD(REN)Enhanced (MAC 100/80/50) $3,000 MAX $54.59 $103.69 $127.56 $189.96Freedom (UCR 100/80/50) $1,000 MAX $64.99 $125.12 $155.81 $232.77Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2025 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Page 1 of 1Underwritten by Colonial Life & Accident Insurance CompanySee page 1 for Important Notice
Build an enrollment strategy that’s right for your employeesPrioritize your benets communication and educationWithout impacting your budget, we can provide prioritized benets communication and education with full-service, end-to-end enrollment. Your employees will be better informed to make the best decisions for their personal nancial situations.COMMUNICATE AND EDUCATEWhether it’s the insurance you provide or employee-paid voluntary benets, we can educate your employees on all of their enrollment options with focused communications. Most materials are available in Spanish.DIGITAL POSTCARD BENEFITS LEARNING EXPERIENCE DIGITAL BENEFITS BOOKLETThe employer can email this customizable landing page to all employees.Our benets learning website can be used before and during enrollment to educate employees for their 1-to-1 benets counseling sessions.The digital benets booklet provides a more engaging way to educate employees on their benet options.Benets of the postcard• House all core/voluntary benets information at a high level• Embed videos• Track number of views and clicks with detailed analyticsBenets of the website• Offer a single site to view core and voluntary benets information• Share important enrollment logistics• Provide easy access to an enrollment scheduling toolBenets of the booklet• Embed postcard images or Colonial Life product videos• Link to internal pages• Share core and voluntary benets informationTHREE-PART EMAIL CAMPAIGN CUSTOMIZABLE MATERIALSThese emails serve to drive employee attendance and engagement with a multi-touch approach.These iers, posters and booklets can educate employees on their upcoming enrollment.Benets of the email campaign• Emails include: welcome/enrollment checklist, standard digital postcard, and last chance reminder• Keeps enrollment top of mind for employees• Creates multiple opportunities for employees to schedule a benets counseling sessionBenets of the customizable materials• Promote the appropriate enrollment method: 1-to-1, call center, co-browsing or self-enroll• Display the account logo and enrollment dates• Include core benets, if offered
1. Colonial Life internal data 2021, data from January 2021 through December 2021.Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. © 2022 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. FOR EMPLOYERS 10-22 | 65657-11ColonialLife.com99%of enrollees say it is important to have a 1-to-1 counseling session annually with a benets counselor.1Let us start building a customized plan that’s right for your employees today. CO-BROWSING CALL CENTER SELF-ENROLLRethink EnrollmentGive your employees the benets information they need without the expense or hassle. We can help simplify your enrollment process and help your employees get more out of their benets.MeasureAfter enrollment, we talk with your employees to see how their experience was and gauge increased benets understanding.Our report card summarizes these results for you to ensure a quality experience.While we recommend 1-to-1 enrollments to get the most engagement, we can enroll your employees in a variety of ways:Enroll Our highly trained benet counselors will meet 1-to-1 with your employees to review their personal benet options and help them enroll.THEY CAN ALSO:• Discuss any wellness benets you offer and why they’re important• Educate your employees about benet costs and how much you contribute• Verify employee and dependent information — which we can share with you to keep your records current
Policyholder Service Guide At Colonial Life our goal is to give you an excellent customer experience that is simple modern and personal Getting started Consider your options The easiest way to manage your business with us is through the My Colonial Life policyholder section of ColonialLife com Whether online or by phone we ll provide the service you need To sign up for the website 1 Visit ColonialLife com 2 Click Register at the top right 3 On the sign up page click Join the Policyholder Website Need ColonialLife com Submit your claim using our eClaims system 3 File health screening wellness and doctor s office visit claims up to 18 months 3 3 Check the status of your claim 3 3 Review print or download a copy of your policy certificate 3 Access claim and service forms 3 3 Access your claim correspondence 3 3 3 Complete a notification for a life claim 3 3 Update your contact information After providing some basic information you ll be ready to go 800 325 4368 Filing claims eClaims With the eClaims feature on ColonialLife com you can file claims online by simply answering a few questions and uploading your supporting documentation You re able to spend less time on paperwork and we re able to process your claim faster With eClaims you can file most claims online including Accident Hospital confinement indemnity Disability Critical illness Cancer Vision You can access eClaims through your computer or mobile device and upload any required supporting documentation Once you re logged in to ColonialLife com visit the Claims Center and select File an Online Claim to get started
Contact us Online ColonialLife com Log in and click on Contact Us to email us Telephone 1 800 325 4368 Contact Center representatives are available Monday through Friday 8 a m to 8 p m ET Information is available 24 7 through our automated phone system Please have your Social Security or policy number ready when you call Hearing impaired customers Customers with a Telecommunications Device for the Deaf TDD should call 803 798 4040 If you do not have a TDD call Voiance Telephone Interpretation Services at 844 495 6105 to reach us Health screening wellness claims The quickest way to receive the applicable benefits for your health screening wellness services is to file online For health screening wellness claims within 18 months of the date you are filing the claim click on File a Wellness Claim Online on the Claims Center page If you do not want to file online you can use the automated customer service center at 1 800 325 4368 For health screening wellness claims over 18 months you ll be directed to print out a paper claim form under the claims and service forms section on the Claims Center page Paper claims If you don t want to file online download the form you need by visiting the Claims Center page on ColonialLife com and clicking on claims and service forms For instructions on how to correctly complete your claim form view the claims videos on the Claims Center page Be sure that you complete all sections of the claim form Also include a diagnosis from your doctor along with copies of any appropriate bills if required Keep a copy of your claim information for your records When we receive information regarding your claim you ll be notified by telephone or email If you select the electronic messaging option you ll receive a call when the claim is processed Claim tips and information When submitting your claim make sure to include all required supporting documentation as this will allow us to process your claim quicker To view correspondence pertaining to your claim visit ColonialLife com Once you log in to your secure account select My Correspondence from the home page Whether you submit your claims online or by paper form you can select optional services that authorize us to Communicate claims information via electronic messaging to your phone number Send claim benefits overnight by deducting a fee from your claim payment Release information to your benefits representative plan administrator or family member You can always check the status of your claim on the My Colonial Life site at ColonialLife com ColonialLife com Applicable to vision rider on the individual dental plan 2016 Colonial Life Accident Insurance Company Columbia SC Colonial Life insurance products are underwritten by Colonial Life Accident Insurance Company for which Colonial Life is the marketing brand 4 16 43233 37