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Curtis Trailers2023 Voluntary Benefits BookletNS-15576 (9-17)
Welcome to Your Voluntary Benefits At Curtis Trailers our greatest asset is people like you. We value your hard work and like to do what we can to reward your efforts. That’s why we are pleased to offer you these valuable employee benefits. Please review the information in this booklet to learn about the plans being offered and determine what coverage is right for you.The information contained in this booklet is only a summary of coverage and is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. If there are differences between the information in the booklet and the contract, the contract will govern.
Voluntary BenefitsYou never know when an unexpected illness or injury could leave you and your family with financial difficulties. Health insurance can help, but you can still have deductibles, co-payments and other out-of-pocket expenses.That’s where voluntary benefits come in. Sometimes called supplemental insurance, voluntary benefits are designed to complement your health insurance and help provide extra financial protection. This year, your employer is helping you protect your way of life by giving you the opportunity to purchase the following voluntary benefits from Colonial Life: Accident insurance Critical illness insurance Disability insurance Hospital confinement indemnity insurance Term life insuranceTo learn more, talk to a Colonial Life benefits counselor.
Imagine while cleaning the gutters, you fall from the ladder and break your leg.These are out-of-pocket expenses you may encounter: $100 Emergency room copay $250 Deductible (copays do not count toward deductible) $35 Specialist visit copay – orthopedic physician $350 Specialist visit copay – occupational/physical therapy for 10 days $735 Out-of-pocket expensesAnd here is a sample of benets you may be eligible for with Colonial Life’s Group Accident Insurance: $125 Accident Emergency Treatment $150 Accident Follow-up Doctor Visit ($50 per visit, up to 3 per accident) $100 Appliance (crutches) $1,125 Fracture (broken leg) $250 Occupational/Physical Therapy ($25/day for 10 days) $30 X-Ray (for diagnosis of broken leg) $1,780 of benets paid to you in addition to other coverage you may have with other insurance companies. The claims example above is based on a covered person aged 41 who receives a complete fracture of the leg and requires non-surgical repair. The policy has exclusions and limitations. Costs of treatment and benet amounts may vary. Group Accident Plan 2 – ORGroup Accident Plan 2 – ORYou can’t predict when or where an accident will strike. But you can make sure you have a safety net of nancial protection to help if an accidental injury occurs.Accidents can happen anytime, anywhere—at home or at work, on the playground or on the road. Some of the most common injuries include:l Broken bonesl Burnsl Concussionsl LacerationsColonial Life’s Group Accident Insurance helps you ll some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. With this coverage you may not need to use your savings or secure a loan to help pay those unexpected out-of-pocket expenses associated with a covered accident. Here’s how it works...l Back or knee injuries l Accidental injuries that send you to the Emergency Room, Urgent Care or a doctor’s oce.Group Accident Insurance
Your Colonial Life certicate also provides benets for the following injuries received as a result of a covered accident.l Burn (based on size and degree) ..................................................................................... $1,000 to $12,000l Burn - Skin Graft for 2nd or 3rd degree burns ........................................................50% of Burn benetl Coma .............................................................................................................................................................. $10,000l Concussion ........................................................................................................................................................$150l Emergency Dental Work ......................................$100 Extraction, $300 Crown, Implant, or Denturel Lacerations (based on size) ............................................................................................................$25 to $600Requires Surgeryl Eye Injury ............................................................................................................................................................ $300l Ruptured Disc ...................................................................................................................................................$500l Tendon/Ligament/Rotator Cu ............................................................. $500 - one, $750 - two or morel Torn Knee Cartilage ........................................................................................................................................$500Surgical Carel Blood/Plasma/Platelets .................................................................................................................................$300l Surgery (arthroscopic or exploratory) .....................................................................................................$150l Surgery (cranial, open abdominal or thoracic) ................................................................................. $1,500 l Surgery (hernia) ...............................................................................................................................................$200Benets listed are for each covered person per covered accident unless otherwise specied.Initial Carel Accident Emergency Treatment ..............$125lAir Ambulance ............................................ $1,500Common Accidental InjuriesDislocation (Separated Joint) Non-Surgical SurgicalHip $3,000 $6,000Knee$1,500 $3,000Ankle – Bone or Bones of the Foot$1,200 $2,400Collarbone (sternoclavicular)$750 $1,500Lower Jaw, Shoulder, Elbow, Wrist $450 $900Bone or Bones of the Hand $450 $900Collarbone (acromioclavicular and separation)$150 $300One Toe or Finger $150 $300Fracture (Broken Bone) Non-Surgical Surgical Depressed Skull $3,750 $7,500 Non-Depressed Skull $1,500 $3,000 Hip, Thigh $2,250 $4,500 Body of Vertebrae, Pelvis, Leg $1,125 $2,250 Bones of Face or Nose $525 $1,050 Upper Jaw, Maxilla $525 $1,050 Upper Arm between Elbow and Shoulder $525 $1,050 Lower Jaw, Mandible; Kneecap, Ankle, Foot $450 $900 Shoulder Blade, Collarbone, Vertebral Process $450 $900 Forearm, Wrist, Hand $450 $900 Rib $375 $750 Coccyx $300$600 Finger, Toe $150 $300 l Ambulance .......................................................$200l X-Ray Benet .....................................................$30
Transportation/Lodging AssistanceIf injured, the covered person must travel more than 50 miles from residence to receive special treatment and connement in a hospital. l Lodging (family member or companion) .................................................$150 per night up to 30 days for ............................................................................................a hotel/motel lodging costs l Transportation ...............................................................................$500 per round trip up to 3 round tripsAccident Hospital Carel Hospital Admission1 ............................................................................................................$1,000 per accidentl Hospital ICU Admission1 ....................................................................................................$1,500 per accident 1 We will not pay the hospital admission benet and the hospital intensive care unit (ICU) admission benet for the same covered accident simultaneously.l Hospital Connement2 ...........................................................$200 per day up to 365 days per accidentl Hospital ICU Connement2 ..................................................... $400 per day up to 15 days per accident 2 We will not pay the hospital connement benet and the hospital ICU connement benet simultaneously.Accident Follow-Up Carel Accident Follow-Up Doctor Visit .............................................................$50 (up to 3 visits per accident)l Appliances .............................................................................................. $100 (such as wheelchair, crutches)l Medical Imaging Study ......................................................................................................... $150 per accident (limit 1 per covered accident and 1 per calendar year)l Occupational or Physical Therapy ......................................................................$25 per day up to 10 daysl Pain Management (Epidural Anesthesia) ......................................$100 (limit 1 per covered accident)l Prosthetic Devices/Articial Limb ....................................................... $500 - one, $1,000 - two or morel Rehabilitation Unit Connement 3 ..................... $100 per day up to 15 days per covered accident, ................................................................................................................................and 30 days per calendar year 3 We will not pay the hospital connement benet and the rehabilitation unit connement benet simultaneously.Accidental Dismembermentl Loss of Finger/Toe .................................................................................... $750 – one, $1,500 – two or more l Loss or Loss of Use of Hand/Foot/Sight of Eye ........................ $7,500 – one, $15,000 – two or moreCatastrophic AccidentFor severe injuries that result in the total and irrecoverable:l Loss of one hand and one foot l Loss of the sight of both eyesl Loss of both hands or both feet l Loss of the hearing of both earsl Loss or loss of use of one arm and one leg l Loss of the ability to speakl Loss or loss of use of both arms or both legs Named Insured......$25,000 Spouse/Domestic Partner......$25,000 Child(ren)......$12,500365-day elimination period. Payable once per lifetime for each covered person. Accidental DeathAccidental Death Common Carrierl Named Insured $25,000 $100,000l Spouse/Domestic Partner $25,000 $100,000l Child(ren) $5,000 $20,000Benets listed are for each covered person per covered accident unless otherwise specied.
My Coverage Worksheet (For use with your Colonial Life benets counselor)Who will be covered? (check one) Employee Only Employee & Spouse/Domestic Partner One-Parent Family Two-Parent FamilyWhen are covered accident benets available? (check one) On and O-Job Benets O-Job Only BenetsColonial Life 1200 Colonial Life BoulevardColumbia, South Carolina 29210coloniallife.com© 2012 Colonial Life & Accident Insurance Company Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.11/12Will I have to answer health questions to receive coverage?Coverage is Guaranteed Issue. No health questions will be asked.What additional features are included?l Worldwide coveragel Continuation of Coverage Under Specied Circumstancesl Compliant with Health Savings Account (HSA) guidelinesHow do I know how much a benet pays?Benet amounts are preset and not based on the medical expenses you are charged. You get a lump sum payment that is specic to the injury or treatment required.Will my accident claim payment be reduced if I have other insurance?You’re paid regardless of any other insurance you may have with other insurance companies, and the benets are paid directly to you (unless you specify otherwise).How do I le a claim?Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.EXCLUSIONS AND LIMITATIONS We will not pay any benets for losses that are caused by, contributed to by or occur as a result of: felonies or illegal occupations; hazardous avocations; racing; semi-professional or professional sports; sickness; suicide or injuries which any covered person intentionally does to himself; war or armed conict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benet for injuries that are caused by or are the result of: birth or intoxicants and narcotics. The covered person must incur a charge and the certicate must be in force for benets to be payable.For cost and complete details, see your Colonial Life benets counselor. Applicable to policy number GACC1.0-P and certicate number GACC1.0-C (including state abbreviations where used, for example: GACC1.0-C-TX). This is not an insurance contract and only the actual policy provisions will control. 100923Group Accident Plan 2 – ORGroup Accident Plan 2 – OR
Group Accident Health Screening BenetGroup Accident InsuranceThe covered person must incur a charge and the certicate must be in force for benets to be payable. A 30-day waiting period must be met. For cost and complete details, see your Colonial Life benets counselor. Applicable to policy number GACC1.0-P and certicate number GACC1.0-C (including state abbreviations where used, for example: GACC1.0-C-TX). Coverage may vary by state and may not be available in all states. This is not an insurance contract and only the actual policy provisions will control. Colonial Life 1200 Colonial Life BoulevardColumbia, South Carolina 29210coloniallife.com10/31 100816© 2012 Colonial Life & Accident Insurance Company Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.Health Screening BenetThis benet helps you pay for part of the expense of preventive medical tests you may normally have each year. The benet allows a maximum of 1 health screening test per covered person per calendar year.Blood test for triglycerides Flexible sigmoidoscopyBone marrow testing Hemoccult stool analysisBreast ultrasound MammographyCA 15-3 (blood test for breast cancer) Pap smearCA 125 (blood test for ovarian cancer) PSA (blood test for prostate cancer)Carotid DopplerSerum cholesterol test to determine level of HDL and LDLCEA (blood test for colon cancer)Serum protein electrophoresis (blood test for myeloma)Chest x-ray Skin cancer biopsyColonoscopy Stress test on a bicycle or treadmillEchocardiogram (ECHO) ThermographyElectrocardiogram (EKG, ECG) ThinPrep pap testFasting blood glucose test Virtual colonoscopyTests that qualify:
For more information, talk with your benefits counselor.Group Critical Illness InsurancePlan 2 FullColonialLife.comIf you’re diagnosed with a covered critical illness or cancer, group critical illness insurance* from Colonial Life can help with your expenses, so you can concentrate on what’s most important – your treatment, care and recovery.*The policy name is Critical Illness and Cancer Group Specified Disease Insurance.For the diagnosis of this covered critical illness condition:1This percentage of the face amount is payable:Heart attack (myocardial infarction) 100%Stroke 100%End-stage renal (kidney) failure 100%Major organ failure 100%Coma 100%Permanent paralysis due to a covered accident 100%Blindness 100%Occupational infectious HIV or occupational infectious hepatitis B, C or D 100%Coronary artery bypass gra surgery/disease225%GROUP CRITICAL CARE PLAN 2 FULLFace amount: $_______________ Critical illness benefitSubsequent diagnosis of a dierent critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with a dierent critical illness, the original percentage of the face amount is payable for that particular critical illness.Subsequent diagnosis of the same critical illness3If you receive a benefit for a critical illness, and later you are diagnosed with the same critical illness, 25% of the original face amount is payable. Critical illness conditions that do not qualify are: coronary artery bypass gra surgery/coronary artery disease2 and occupational infectious HIV or occupational infectious hepatitis B, C or D.
ColonialLife.comCovered cancer benefitsFor this condition:1The amount payable is:Diagnosis of cancer (internal or invasive) 100% of the face amountDiagnosis of carcinoma in situ 25% of the face amountSkin cancer $500Diagnosis of cancer benefitCancer vaccine benefit: ...............................................................................$50This benefit is payable if you or your covered family members incur a charge for any FDA-approved cancer vaccine while your certificate is inforce.1 Please refer to the certificate for complete definitions of covered conditions. 2 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass gra surgery when health savings account (HSA) compliant plan is selected.3 Dates of diagnoses of a covered critical illness must be separated by at least 180 days.THE CERTIFICATE PROVIDES LIMITED BENEFITS.EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESSWe will not pay the Critical Illness Benefit or Benefit Payable Upon Subsequent Diagnosis of a Critical Illness that occurs as a result of a covered person’s: felonies or illegal occupations; psychiatric or psychological conditions; suicide or injuries which any covered person intentionally does to himself; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness.EXCLUSIONS AND LIMITATIONS FOR CANCER We will not pay the Diagnosis of Cancer Benefit, Diagnosis of Carcinoma in Situ Benefit, the Cancer Treatment and Care Benefit or the Skin Cancer Benefit for a covered person’s cancer (internal or invasive), carcinoma in situ or skin cancer that: is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico; is a pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is initially diagnosed as having cancer (internal or invasive), carcinoma in situ or skin cancer. No pre-existing condition limitation will be applied for dependent children who are born or adopted while you are covered under the policy, and who are continuously covered from the date of birth or adoption. This is not an insurance contract and only the actual certificate provisions will control. Applicable to certificate form GCC1.0-C-OR. Please see your Colonial Life benefits counselor for details.2-20 | 100515-2Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.
Group Short Term Disability Insurance*If a covered accident or covered sickness prevents you from earning a paycheck, group short term disability insurance can provide a monthly benet to help you cover your ongoing expenses, often at a more reasonable rate than individual 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, and use this worksheet to help determine the coverage that’s right for you.1MONTHLY 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: DISABILITY INSURANCE: WHAT’S RIGHT FOR ME?1. How much disability coverage do I need? Monthly benet amount for off-job accident and off-job sickness: $ Choose a monthly benet amount between $400 and $7,500. Subject to income requirements. If your plan includes on-job accident/sickness benets, the on-job benet is 50% of the off-job amount.2. How long do I want benetscoverage? Benet period: months The partial disability benet period is three months. Partial disability benet is 50% of the total disability amount.3. When would I like my totaldisabilitybenets to start? After an accident: days After a sickness: daysGROUP DISABILITY INSURANCE - BASE
Frequently asked questions Whatisthedenitionoftotaldisability?“Totally disabled” or “total disability” means you are unable to perform the material and substantial duties of your occupation, not working at any occupation, and under the regular and appropriate care of a physician.How does partial disability work? If you are able to return to work part time after at least 14 days of being paid for a total disability, you may be able to still receive 50% of your total disability benet.What is waiver of premium? We will waive your premium payments after 90 consecutive days of a covered disability.What are the age guidelines to qualify for this coverage? Coverage is available from ages 17 to 74.Can I keep my coverage if I change jobs or employers? Through a feature called “portability,” you may be able to keep your coverage even if you change jobs. Talk with your benets counselor for details.What happens if I am disabled while traveling outside of the country? If you are disabled while outside of the United States, Canada or Mexico, you may receive benets for up to 60 days before you have to return to the U.S. in order to continue receiving benets.To learn more, talk with your benetscounselor.* The led product name in ID is Group Short Term Disability Income Protection Insurance Policy. In NH it is Group Disability Income Protection Coverage Policy. In PA it is Group Short Term Disability Insurance Non-Participating.1 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.EXCLUSIONS AND LIMITATIONSWe will not pay benets for losses that are caused by, contributed to by or occur as the result of: alcoholism or drug addiction, felonies or illegal occupations, ying, hazardous avocations, intoxicants and narcotics, psychiatric or psychological conditions, racing, semi-professional or professional sports, suicide or injuries which you intentionally do to yourself, war or armed conict. We will not pay for losses due to you giving birth within the rst nine months after the coverage effective date of the certicate.Pre-existing condition means a sickness or physical condition, whether diagnosed or not, for which you were treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage effective date.We will not pay for loss when the disability is a pre-existing condition as dened in this certicate, unless you have satised the pre-existing condition limitation period (typically 12 months) shown on the Certicate Schedule on the date you suffer a loss due to a covered accident or covered sickness.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 form GDIS-P and certicate form GDIS-C (including state abbreviations where used, for example: GDIS-P-TX and GDIS-C-TX). This form is not complete without form number 1675200 in applicable states. 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 8-23 | 101136-7ColonialLife.com
Group Short Term Disability Insurance*Exclusions and limitationsState-specic exclusions and limitations CT: Drug use, intoxication added. Alcoholism or drug addiction, intoxicants and narcotics removed. “Felonies or illegal occupations” changed to “Felonies.”DE: Alcoholism and drug addiction removed.ID: Added elective abortion. Giving birth limitation removed. Flying, hazardous avocations, intoxicants or narcotics, racing, and semi-professional or professional sports removed. Psychiatric or psychological conditions changed to mental or nervous disorders.KS: Giving birth limitation removed.MD: Alcoholism and drug addiction removed. Giving birth limitation removed. MI: Removed intoxicants and narcotics. Removed suicide or injuries which you intentionally do to yourself.MN: Alcoholism and drug addiction removed. Narcotic addiction added. MO: Alcoholism changed to drug addiction. Felonies or illegal occupations removed. Illegal activities added. NC: Giving birth limitation is referred to as “Birth limitation.” We will not pay benets due to being pregnant before the policy coverage effective date shown on the policy schedule. Disability due to complications of pregnancy will be covered to the same extent as a covered sickness.NH: Intoxicants and narcotics, racing removed.NJ: Removed “or armed conict” from “War”NV: Alcoholism and drug addiction, intoxicants and narcotics removed.OH: Giving birth limitation: We will not pay benets for losses due to you giving birth within the rst 270 days after the policy coverage effective date. OK: Psychiatric or psychological conditions changed to mental or emotional conditions benet. “Intoxicant and narcotics” changed to “Narcotics.” PA: Psychiatric or psychological conditions changed to mental, nervous or emotional disorders benet. Alcoholism and drug addiction removed.VA: Giving birth also includes “Pregnancy resulting from the act of rape which was reported to the police within seven days following its occurrence will be covered to the same extent as any other covered accident. The seven-day requirement will be extended to 180 days in the case of an act of rape or incest of a female under 13 years of age.”WA: Hazardous avocations, intoxicants and narcotics, racing, and semi-professional or professional sports removed. Giving birth limitation removed.WY: Giving birth limitation removed.State-specic pre-existing condition limitationsID: Pre-existing conditions means six (6) months before the coverage effective date. We will pay benets for any pre-existing condition if the covered disability began at least 12 months after the policy coverage effective date. IN: Pre-existing conditions means six (6) months before the coverage effective date. We will pay benets for any pre-existing condition if the covered disability began at least 12 months after the policy coverage effective date.MA: If we do not pay a claim because the illness is a pre-existing condition, we will provide the insured with the following: a written denial letter; and the information we have documenting the treatment or observation of the pre-existing condition.MD: Pre-existing condition does not include a condition revealed on the application unless excluded by a signed waiver rider. A condition admitted or disclosed on the application will be covered unless the disease or condition is excluded by name or specic description by means of a signed waiver attached to the contract.ME: Remove “had taken medication.”MI: Pre-existing conditions means six (6) months before the coverage effective date. We will pay benets for any pre-existing condition if the covered disability began at least 12 months after the policy coverage effective date.NC: Pre-existing condition means those conditions for which medical advice, diagnosis, care, or treatment was received or recommended within the one-year period immediately preceding the policy coverage effective date shown. If you are 65 or older when this certicate is issued, pre-existing conditions will include only conditions specically eliminated by rider. Any recurrent disability caused by a pre-existing condition will not be covered if it is treated as a continuation of the previous disability.NJ: Pre-existing conditions means six (6) months before the coverage effective date. We will pay benets for any pre-existing condition if the covered disability began at least six months after the policy coverage effective date. NV: Pre-existing conditions means six (6) months before the coverage effective date. We will pay benets for any pre-existing condition if the covered disability began at least 12 months after the policy coverage effective date. Pre-existing condition does not include genetic information in the absence of a diagnosis of the condition related to such information.OR: Pre-existing condition means a sickness or physical condition, whether diagnosed or not, for which you were treated by a doctor, had medical testing, received medical advice from a doctor or had taken medication prescribed by a doctor within 12 months before the coverage effective date.PA: Pre-existing conditions means three (3) months before the coverage effective date. We will pay benets for any pre-existing condition if the covered disability began at least 12 months after the policy coverage effective date. Pre-existing condition means a disease or physical condition, for which you received medical advice or treatment within 90 days before the coverage effective date.VA: Remove “had medical testing” and “had taken medication.” WY: Pre-existing conditions means six (6) months before the coverage effective date. We will pay benets for any pre-existing condition if the covered disability began at least 12 months after the policy coverage effective date.GROUP DISABILITY INSURANCE
State-specic denitions of total disabilityIA: Removed “under the regular and appropriate care of a doctor” and changed to “and under the care of a doctor.” Partial disability is referred to as “residual disability” or “residually disabled.”MA: Insured is not required to be totally disabled 14 days prior to partial disability. MD: Totally disabled or total disability during the rst 12 months of disability means you are: unable, by reason of injury or sickness, to perform each and every duty pertaining to your occupation, and under the regular and appropriate care of a doctor. After the rst 12 months of disability, totally disabled or total disability means you are unable to perform each and every duty of any business or occupation for which you are reasonably tted by education, training or experience.ME: Removed “regular and appropriate” in regard to care of a doctor. MO: Total disability means you are unable to perform the material and substantial duties of your job, and are not, in fact, working at any job. We will pay this benet if you are under the regular and appropriate care of a doctor, unless the doctor advises regular care is no longer needed.NJ: Means you are unable to perform the material and substantial duties of your regular occupation, not, in fact, working for the policyholder, and under the regular and appropriate care of a doctor.State-specic denition of portabilityOR: Change “Portability” to “continuation of coverage.”ColonialLife.com* The led product name in ID is Group Short Term Disability Income Protection Insurance Policy. In NH it is Group Disability Income Protection Coverage Policy. In PA it is Group Short Term Disability Insurance Non-Participating.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 form GDIS-P and certicate form GDIS-C (including state abbreviations where used, for example: GDIS-P-AL and GDIS-C-AL). For cost and complete details of coverage, call or write your Colonial Life benets counselor or the company. An insurance producer may contact you. This form is not complete without base form 101136. 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 7-23 | 1675200
For more information, talk with your benefits counselor.Group Hospital Indemnity InsurancePlan 2ColonialLife.comGroup Medical BridgeTM insurance can help with medical costs associated with a hospital stay that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children.Hospital confinement ............................................................... $_______________ per dayMaximum of one day per covered person per calendar yearWaiver of premiumAvailable aer 30 continuous days of a covered confinement of the named insured£ Daily hospital confinement ................................................................... $100 per dayMaximum of 365 days per covered person per confinement. Re-confinement for the same or related condition within 90 days of discharge is considered a continuation of a previous confinement.£ Diagnostic procedure .................................................................. $_______________ per dayMaximum of one day per covered person per calendar year£ Outpatient surgical procedure¾ Tier 1 .................................................................................... $_______________ per day¾ Tier 2 .................................................................................... $_______________ per dayMaximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedureGMB7000 – PLAN 2Diagnostic proceduresThe following is a list of common diagnostic procedures that may be covered if the diagnostic procedure benefit is selected. Breast– Biopsy (incisional, needle, stereotactic) Cardiac– Angiogram– Arteriogram– Thallium stress test– Transesophageal echocardiogram (TEE) Diagnostic radiology– Computerized tomography scan (CT scan)– Electroencephalogram (EEG)– Magnetic resonance imaging (MRI)– Myelogram– Nuclear medicine test– Positron emission tomography scan (PET scan) Digestive– Barium enema/lower GI series– Barium swallow/upper GI series– Esophagogastroduodenoscopy (EGD) Ear, nose, throat, mouth– Laryngoscopy Gynecological– Amniocentesis– Cervical biopsy– Cone biopsy– Endometrial biopsy Liver– Biopsy Lymphatic– Biopsy Miscellaneous– Bone marrow aspiration/biopsy Renal– Biopsy Respiratory– Biopsy– Bronchoscopy– Pulmonary function test (PFT) Skin– Biopsy– Excision of lesion Thyroid– Biopsy Urologic– Cystoscopy– Hysteroscopy– Loop electrosurgical excisional procedure(LEEP)1,000X500X5001,0001,500
ColonialLife.com11-21 | 101918-2THIS INSURANCE PROVIDES LIMITED BENEFITS.EXCLUSIONSWe will not pay any benefits for injuries received in accidents or for sicknesses which are caused by, contributed to by or occuras a result of the following exclusions and limitations. (a) alcoholism or drug addiction; (b) dental procedures; (c) elective procedures and cosmetic surgery; (d) felonies or illegal occupations; (e) mental or nervous disorders; (f) pregnancy of a dependent child; (g) suicide or injuries which any covered person intentionally does to himself or herself; (h) war or armed forces service. We will not pay benefits for hospital confinement (i) due to giving birth within the first nine months aer the eective date of the policy or (j) for a newborn who is neither injured nor sick.(k) The policy may have additional exclusions and limitations which may aect any benefits payable.PRE-EXISTING CONDITION LIMITATIONS(l) We will not pay benefits for loss during the first 12 months aer the certificate eective date due to a pre-existing condition. (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the certificate eective date. (n) This limitation applies to the following benefits, if applicable: Hospital Confinement, Daily Hospital Confinement, Inpatient Mental and Nervous, Rehabilitation Unit Confinement, Specified Critical Illness, DiagnosticProcedure, and Outpatient Surgical Procedure.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 aect any benefits payable. Applicable to policy form GMB7000-P and certificate form GMB7000-C (including state abbreviations where used, for example: GMB7000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. Breast– Breast reconstruction– Breast reduction Cardiac– Angioplasty– Cardiac catheterization Digestive– Exploratory laparoscopy– Laparoscopic appendectomy– Laparoscopic cholecystectomy Ear, nose, throat, mouth– Ethmoidectomy– Mastoidectomy– Septoplasty– Stapedectomy– TympanoplastyTier 2 outpatient surgical procedures Eye– Cataract surgery– Corneal surgery (penetrating keratoplasty)– Glaucoma surgery (trabeculectomy)– Vitrectomy Gynecological– Hysterectomy– Myomectomy Musculoskeletal system– Arthroscopic knee surgery with meniscectomy (knee cartilage repair)– Arthroscopic shoulder surgery– Clavicle resection– Dislocations (open reduction with internal fixation)– Fracture (open reduction with internal fixation)– Removal or implantation of cartilage– Tendon/ligament repairThe procedures listed below are only a sampling of the procedures that may be covered if the outpatient surgical procedure benefit is selected. Procedures must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, refer to your certificate.Tier 1 outpatient surgical procedures Breast– Axillary node dissection– Breast capsulotomy– Lumpectomy Cardiac– Pacemaker insertion Digestive– Colonoscopy*– Fistulotomy– Hemorrhoidectomy– Lysis of adhesions Ear, nose, throat, mouth– Adenoidectomy– Removal of oral lesions– Myringotomy– Tonsillectomy– Tracheostomy– Tympanotomy Gynecological– Dilation and curettage (D&C)– Endometrial ablation– Lysis of adhesions Liver– Paracentesis Musculoskeletal system– Carpal/cubital repair or release– Foot surgery (bunionectomy, exostectomy, arthroplasty, hammertoe repair)– Removal of orthopedic hardware– Removal of tendon lesion Skin– Laparoscopic hernia repair– Skin graingKS: "Surgical Procedure" benefit replaces "Outpatient Surgical Procedure." Diagnostic Procedures must be performed in a hospital or an ambulatory surgical center.PA: "Hospital Confinement Admission" benefit replaces the "Hospital Confinement" benefit* Colonoscopy must result in polyp removal or be recommended by a physician for the purposes of treating or diagnosing a sickness.If a covered family member has a qualified high deductible health plan (HDHP) and actively contributes to a health savings account (HSA), their HSA can be disqualified with this coverage. Thyroid– Excision of a mass Urologic– LithotripsyUnderwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2021 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.
Group Hospital Indemnity InsuranceExclusions and LimitationsSTATE-SPECIFIC EXCLUSIONSAK: (a) Replaced by intoxicants and narcotics CA: (k) Additional exclusions include intoxicants and controlled substancesCT: (a) Replaced by intoxication or drug addiction; (d) Replaced by felonies; (f) Exclusion does not applyDE: (a) Exclusion does not apply IL: (a) Replaced by alcoholism, intoxication, or drug addiction; (f) Exclusion does not apply; (g) Exclusion does not applyKS: (a) Replaced by intoxicants and narcotics; (h) Replaced by war or armed conflict; (i) Exclusion does not applyKY: (a) Replaced by intoxicants, narcotics and hallucinogenics LA: (a) Replaced by intoxicants and narcotics MI: (g) Exclusion does not applyMO: (a) Replaced by drug addiction; (d) Replaced by illegal activitiesMS: (a) Replaced by intoxicants and narcoticsNC: (i) Exclusion does not applyND: (a) Exclusion does not apply; (e) Exclusion does not applyNV: (a) Exclusion does not apply OH: (f) Exclusion does not apply; (i) Replaced by 270 daysPA: (a) Replaced by intoxicants and narcotics; (c) Replaced by cosmetic surgery; (e) Replaced by mental, nervous or emotional disorders; (h) Replaced by war or armed conflictSD: (a) Exclusion does not apply TN: (f) Exclusion does not applyTX: (a) Replaced by intoxicants and narcotics VA: (i) Pregnancy resulting from the rape of any covered person, which was reported to the police within seven days following its occurrence, will be covered to the same extent as any other covered accident. The seven-day requirement will be extended to 180 days in the case of an act of rape or incest of a female under 13 years of age.WA: (a) Applies to sicknesses which are caused by, contributed to by, or occur as a result of alcoholism or drug addictionSTATE-SPECIFIC PRE-EXISTING CONDITION LIMITATIONSIN, SD, and WY: (m) Applies within the six months before the certificate eective date.CA: (m) A pre-existing condition is a sickness or physical condition for which a covered person was diagnosed or treated within 12 months before the coverage eective date.FL: (m) A pre-existing condition is a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within six months before the coverage eective date. Genetic information is not a pre-existing condition in the absence of a diagnosis of the condition related to such information. IL: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing by a legally qualified physician or, received medical advice, produced symptoms or had taken medication within 12 months before the coverage eective date.KS: (n) Surgical Procedure replaces Outpatient Surgical Procedure ME: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, or received medical advice within 12 months before the coverage eective date.MI: (l) Applies during the first six months aer the certificate eective date; (m) applies within the six months before the certificate eective date.MO: (m) A pre-existing condition means having a sickness or physical condition, whether diagnosed or not, for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage eective date of this certificate.NC: (m) A pre-existing condition is those conditions, whether diagnosed or not, for which a covered person received medical advice, diagnosis, care or treatment that was received or recommended within the one-year period immediately preceding the coverage eective date. If you are 65 or older when this certificate is issued, pre-existing conditions will include only conditions specifically eliminated by a rider.ND: (m) A pre-existing condition is a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within 12 months before the coverage eective date.NV: (m) Applies within the six months before the certificate eective date. Additionally, pre-existing condition does not include genetic information in the absence of a diagnosis of the condition related to such information.OR: (m) A pre-existing condition is a sickness or physical condition, whether diagnosed or not, for which a covered person was treated by a doctor, received advice from a physician or had taken medication prescribed by a doctor within the 12 months period immediately preceding the coverage eective date.PA: (m) A pre-existing condition is a disease or physical condition for which you received medical advice or treatment within 90 days before the coverage eective date. (n) Hospital Confinement Admission replaces Hospital Confinement. CA Lic # (if applicable): _________________Insureds in California must be covered by comprehensive health insurance before applying for Hospital Confinement Indemnity Insurance.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 aect any benefits payable. Applicable to policy form GMB7000-P and certificate form GMB7000-C (including state abbreviations where used, for example: GMB7000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without base form 101917 or 101918.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2021 Colonial Life & Accident Insurance Company. All rights reserved.Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.GMB7000 – EXCLUSIONS AND LIMITATIONS | 7-21 | 101733-5
For more information, talk with your benefits counselor.ColonialLife.comGroup Hospital Indemnity InsuranceMedical Treatment PackageTHIS INSURANCE PROVIDES LIMITED BENEFITS. This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for hospital indemnity insurance.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 aect any benefits payable. Applicable to policy form GMB7000-P and certificate form GMB7000-C (plus state abbreviations where applicable, for example: GMB7000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without a base form (101731, 101732, 101917 or 101918).DC: The “Air ambulance” and “Ambulance” benefits are included in the base plan. KS: “Attending Physican” benefit replaces the “Doctor’s oice visit/telemedicine” benefit.GMB7000 – MEDICAL TREATMENT PACKAGE | 1-23 | 101725-3The Group Medical BridgeTM medical treatment package can help pay for deductibles, co-payments and other out-of-pocket expenses related to the treatment of a covered accident or covered sickness.The medical treatment package paired with Plan 1 provides accident-only coverage. When paired with Plan 2, it provides accident and sickness coverage.Medical treatment package¾ Air ambulance ............................................................................. $1,000 per dayMaximum of one day per covered person per calendar year¾ Ambulance ................................................................................... $100 per dayMaximum of one day per covered person per calendar year¾ Appliance ..................................................................................... $100 per dayMaximum of one day per covered person per calendar year¾ Doctor’s oice visit/telemedicine ...........................................................$25 per dayMaximum of three days per calendar year for named insured coverage or maximum of five days per calendar year for all covered persons combined¾ Emergency room visit ....................................................................... $100 per dayMaximum of two days per covered person per calendar year¾ X-ray ..............................................................................................$25 per dayMaximum of two days per covered person per calendar yearUnderwritten 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 more information, talk with your benefits counselor.ColonialLife.comGroup Hospital Indemnity InsuranceAdditional Plan EnhancementsThe additional benefits indicated below have been added by your employer to help enrich your Group Medical BridgeSM coverage.£ Inpatient mental and nervous ...............................................................$500 per dayMaximum of one day per covered person per calendar year. Lifetime maximum benefit of $2,000 per covered person£ Observation room ............................................................................. $100 per dayMaximum of two days per covered person per calendar year£ Rehabilitation unit confinement ............................................................ $100 per dayMaximum of 15 days per confinement with a 30-day maximum per covered person per calendar yearTHIS INSURANCE PROVIDES LIMITED BENEFITS. 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 aect any benefits payable. Applicable to policy form GMB7000-P and certificate form GMB7000-C (including state abbreviations where used, for example: GMB7000-C-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company. This form is not complete without a base form (101731, 101732, 101917 or 101918).GMB7000 – ADDITIONAL PLAN ENHANCEMENTS | 11-20 | 101726-3Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2020 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.
Term Life InsurancePeace of mind for you and your loved ones You want what’s best for your family, and that includes making sure they’re prepared for the future. With term life insurance from Colonial Life & Accident Insurance Company, you can provide nancial security to help them cover their ongoing living expenses.Advantages of term life insurance Lower cost when compared to cash value life insurance Same benet payout throughout the duration of the policy Several term period options for exibility during high-need years Benet for the beneciary that is typically tax freeBenets and features• Stand-alone spouse policy available whether or not you buy a policy for yourself• Guaranteed premiums that do not increase during the selected term• Ability to convert all or a portion of the benet amount into cash value life insurance• Flexibility to keep the policy if you change jobs or retire• Built-in terminal illness accelerated death benet that provides up to 75% of the policy’s death benet (up to $150,000) if you’re diagnosed with a terminal illness1• Premium savings for face amounts over $250,000 based on your health44% of Americans say their household would face nancial hardship within six months should a wage earner die unexpectedly.LIMRA, 2022 Life Insurance Barometer Study.GAP54% of Americans have life insurance coverage, with an average coverage gap of $200,000.LIMRA, 2021 “Industry Associations Unite to Help Address the Life Insurance Coverage Gap in the United States.”TERM LIFE (ITL5000)
Optional ridersAt an additional cost, you can purchase the following riders for even more nancial protection.Spouse term life riderYour spouse can have up to $50,000 of coverage for a 10-year or 20-year term period.Children’s term life riderYou can purchase up to $20,000 in term life coverage for all of your eligible dependent children and pay one premium. The children’s term life rider may be added to either your policy or your spouse’s policy — not both.Accidental death benet riderThe beneciary may receive an additional benet if the covered person dies as a result of an accident before age 70. The benet doubles if the accidental bodily injury occurs while riding as a fare-paying passenger using public transportation, such as ride-sharing services. An additional 25% will be payable if the injury is sustained while driving or riding in a private passenger vehicle and wearing a seatbelt.Chronic care accelerated death benet riderIf a licensed health care practitioner certies that you have a chronic illness, you may receive an advance on all or a portion of the death benet, available in a one-time lump sum or monthly payments.1 A chronic illness means you require substantial supervision due to a severe cognitive impairment or you may be unable to perform at least two of the six Activities of Daily Living.² Premiums are waived during the benet period. Critical illness accelerated death benet riderIf you suffer a heart attack (myocardial infarction), stroke or end-stage renal (kidney) failure, a $5,000 benet is payable.1 A subsequent diagnosis benet is included.Waiver of premium benet riderPremiums are waived (for the policy and riders) if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six-month elimination period.3How much coverage do you need? YOU $ _________________Select the term period: 10-year 15-year 20-year 30-year SPOUSE $ _____________Select the term period: 10-year 15-year 20-year 30-yearSelect any optional riders: Spouse term life rider $ _____________ face amount for ______-year term period Children’s term life rider $ _____________ face amount Accidental death benet rider Chronic care accelerated death benet rider Critical illness accelerated death benet rider Waiver of premium benet riderTo learn more, talk with your Colonial Life benets counselor.1. Any payout would reduce the death benet. Benets may be taxable as income. Individuals should consult with their legal or tax counsel when deciding to apply for accelerated benets. 2. Activities of daily living are bathing, continence, dressing, eating, toileting and transferring. 3. You must resume premium payments once you are no longer disabled.EXCLUSIONS AND LIMITATIONSIf the insured dies by suicide, whether sane or insane, within two years (one year in ND) from the coverage effective date or the date of reinstatement, we will not pay the death benet. We will terminate this policy and return the premiums paid without interest, minus any loans and loan interest to you.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 ICC18-ITL5000/ITL5000 and rider forms ICC18-R-ITL5000-STR/R-ITL5000-STR, ICC18-R-ITL5000-CTR/R-ITL5000-CTR, ICC18-R-ITL5000-WP/R-ITL5000-WP, ICC18-R-ITL5000-ACCD/R-ITL5000- ACCD, ICC18-R-ITL5000-CI/R-ITL5000-CI, ICC18-R-ITL5000-CC/R-ITL5000-CC (plus state abbreviations where applicable, for example ITL5000-TX). For cost and complete details of the coverage, call or write your Colonial Life benets counselor or the company.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 EMPLOYEES 6-22 | 101895-3ColonialLife.com
You$____________________n Available in $1,000 incrementsn Minimum of $10,000 to a maximum of five times your salary to $500,000Your spouse$____________________n Available in $1,000 incrementsn Minimum of $5,000 to a maximum of $500,000n Spouse coverage cannot exceed your coverage amount2Your dependent children(up to age 26)$____________________n Available in $1,000 incrementsn Minimum of $1,000 to a maximum of $10,000 per dependent childn Each dependent child is covered for the same amount, except children from live birth to six months for whom the death benefit is $1,000How secure is your family’s financial future?If something happened to you, would your family be able to maintain their way of life? Funeral expenses and medical bills could be just the beginning. How would they cover ongoing living expenses, such as a mortgage, utilities and health care?Colonial Life’s group term life insurance can help provide financial security for your family. You can also apply for coverage for your spouse and eligible dependent children with no health questions.1VOLUNTARY GROUP TERM LIFEGroup Term Life InsuranceVoluntary CoverageHow much group term life coverage do I need?
1 Spouse and dependent coverage will not be eective if they are currently totally disabled. Being totally disabled means the inability to perform two or more activities of daily living such as bathing, continence, dressing, eating, transferring, toileting and being confined to a hospital or similar institution, or being unable to attend school outside the home (for a dependent child age 5 up to age 26). In CT, ID, NH and TX, the definition of total disability does not include Activities of Daily Living (ADL) requirements such as bathing, continence, dressing, eating, transferring and toileting. The ability to work does not determine disability. You can pay premiums on insurance for your dependents with no health questions asked. Coverage isn’t eective until the earlier of the date they are no longer totally disabled or two years aer the date that coverage would have otherwise become eective for the spouse or dependent child. This provision does not apply to newborn children born while dependent insurance is in eect.2 The maximum benefit is 50% of your benefit in NE.3 Terminal illness means an injury or sickness that results in the covered person having a life expectancy of 12 months or less and from which there is no reasonable prospect of recovery. A life expectancy of 24 months or less in IL, KS, MA, TX and WA.4 The Employee Assistance Program and Life Planning Services, provided by Health Advocate, are available with Colonial Life & Accident Insurance Company’s Group Term Life oering. Terms and availability of service are subject to change. The service provider does not provide legal advice; please consult your attorney for guidance. Services are not valid aer coverage terminates. Please contact the company for full details. 5 State mandated limitations for legal services in WA apply.BENEFIT AGE REDUCTION SCHEDULEWhen a covered person reaches age 70, but not 75, the amount of insurance will be: • 65% of the amount of insurance prior to age 70; or • 65% of the amount of insurance applied for on or aer age 70 but before age 75. When a covered person reaches age 75 or more, the amount of insurance will be: • 50% of the amount of insurance prior to the first reduction; or • 50% of the amount of insurance the employee applied for on or aer age 75. Once the benefit reduction schedule begins, there will be no further increases in insurance for a covered person. If the proposed insured is age 70, but not age 75 at the time of enrollment, the amount of insurance applied for will be reduced by 65%. If the proposed insured is age 75 or older at the time of enrollment, the amount applied for will be reduced by 50%. 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 aect any benefits payable. Applicable to policy form GTL1.0-P and certificate form GTL1.0-C (including state abbreviations where used, for example: GTL1.0-P-AU-TX, GTL1.0-P-EE-TX, GTL1.0-C-AU-TX and GTL1.0-C-EE-TX). For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.Get the most out of your coverage n Portability: If you retire or change jobs, you may still be able to take your coverage with you. Eligibility may be based on your health. n Conversion: You may be eligible to convert your coverage to an individual whole life insurance policy without proof of good health when coverage ends under the group certificate. n Waiver of Premium: If included in your plan, premium payments can be waived if you become disabled. Why is group term life insurance a good option? n Death benefit protection n Lower cost option n Coverage for specified periods of time, which can be during high-need years n Benefit is typically paid tax-free to your beneficiaries6-23 | 100272-6Additional benefits and services n Built-in Accelerated Death Benefit payments will reduce the amount the policy pays upon the covered person’s death.3 n Health Advocate Employee Assistance Program5 provides 24-hour confidential personal support and referral service, including a medical bill saver service.Face-to-face sessions and video counseling with mental health professionals are available.4 n Life Planning Services5 oer financial and legal counseling services, as well as grief support and referral for up to 12 months aer a claim.4TELEPHONE1-888-645-1772ONLINEColonialLife.com/EAPTo learn more, talk with your Colonial Life benefits counselor.ColonialLife.comUnderwritten 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.
Contacts
Notes:
The information contained in this booklet is only a summary of coverage and is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. If there are differences between the information in the booklet and the contract, the contract will govern.NS-15576 (9-17)9-17 | NS-15576ColonialLife.comUnderwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.