Return to flip book view
Benefits BookletNS-15576 (9-17)Garden Courte
Welcome to Your Voluntary Benefits Having a choice is important, Colonial Life’s benefits enhance your benefit package. Whether you are single, married or raising children these voluntary benefits can provide you and your family financial security for the unexpected. Please complete interest survey link below to connect with a benefit counselor to learn more about the coverage available and to customize plans based on your need and budget. All employees must complete their enrollment with a benefits counselor, in person or virtually through a computer screen share. Colonial Life policies are not automatically issued for coverage - you must complete the enrollment process for issuance of coverage. Confirmation of your elections will be provided at the conclusion of your enrollment.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.Colonial Life District Office - 503-808-9130
For more information, talk with your benefits counselor.GROUP MEDICAL BRIDGE – PLAN 5Group Hospital Confinement Indemnity InsurancePlan 5Group Medical BridgeSM insurance can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children. Hospital confinement benefit .......................................................$_______________ per dayMaximum of one day per covered person per calendar yearDoctor oice visit benefit ........................................................................... $25 per dayMaximum of ________ days per calendar year for ____________________ coverageEmergency room visit benefit .....................................................................$150 per dayMaximum of one day per covered person per calendar yearDiagnostic procedure benefit .......................................................$_______________ per dayMaximum of one day per covered person per calendar yearOutpatient surgical procedure benefit Tier 1.......................................................................................$_______________ per day Tier 2.......................................................................................$_______________ per dayMaximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedureDiagnostic proceduresThe following is a list of common diagnostic procedures that may be covered. 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– Hysteroscopy– Loop electrosurgical excisional procedure (LEEP) 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 Urinary– Cystoscopy250010001000200030003employee
ColonialLife.com©2015 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. 1-15 | 100028-3-WA Breast– Breast reduction Cardiac– Angioplasty– Cardiac catheterization Digestive– Exploratory laparoscopy– Laparoscopic appendectomy– Laparoscopic cholecystectomy Ear, nose, throat, mouth– Ethmoidectomy– Mastoidectomy– Septoplasty– Stapedectomy– Tympanoplasty– Tympanotomy Eye– Cataract surgery– Corneal surgery (penetrating keratoplasty)– Glaucoma surgery (trabeculectomy)– Vitrectomy Tier 2 outpatient surgical procedures Gynecological– 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 withinternal fixation)– Removal or implantation of cartilage– Tendon/ligament repair Thyroid– Excision of a massThe surgeries listed below are only a sampling of the surgeries that may be covered. Surgeries must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, please refer to your certificate. Tier 1 outpatient surgical procedures Breast– Axillary node dissection– Breast capsulotomy– Breast reconstruction– Lumpectomy Cardiac– Pacemaker insertion Digestive– Colonoscopy– Fistulotomy– Hemorrhoidectomy (external)– Lysis of adhesions Skin– Laparoscopic hernia repair– Skin graing Ear, nose, throat, mouth– Adenoidectomy– Removal of oral lesions– Myringotomy– Tonsillectomy– Tracheostomy Gynecological– Dilation and curettage (D&C)– Endometrial ablation– Lysis of adhesions Liver– Paracentesis Musculoskeletal system– Carpal/cubital repair or release– Dislocation (closed reduction treatment)other than a finger or toe– Foot surgery (bunionectomy, exostectomy,arthroplasty, hammertoe repair)– Fracture (closed reduction treatment)other than a rib, finger or toe– Removal of orthopedic hardware– Removal of tendon lesionEXCLUSIONS We will not pay benefits for sicknesses which are caused by alcoholism or drug addiction. We will not pay benefits for injuries received in accidents which are caused by: dental procedures, elective procedures, cosmetic surgery, felonies or illegal occupations, pregnancy of a dependent child, psychiatric or psychological conditions, suicide, intentional injuries, war or armed forces service. We will not pay benefits for hospital confinement of a newborn who is neither injured nor sick. We will not pay benefits for loss during the first 12 months aer the eective date due to a pre-existing condition, which means a sickness or physical condition 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.For cost and complete details, see your Colonial Life benefits counselor. Applicable to certificate number GMB1.0-C-WA-R. This is not an insurance contract and only the actual certificate provisions will control.
For more information, talk with your benefits counselor.Group Hospital Confinement Indemnity InsuranceHealth Screening BenefitFor cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form GMB1.0-P-R and certificate form GMB1.0-C-R. 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.GROUP MEDICAL BRIDGE HEALTH SCREENING BENEFIT | 5-18 | 100029-4ColonialLife.comHealth screening benefit ............................................................................ $50 per dayMaximum of one day per covered person per calendar year Blood test for triglycerides Bone marrow testing Breast ultrasound CA 15-3 (blood test for breast cancer) CA 125 (blood test for ovarian cancer) Carotid Doppler CEA (blood test for colon cancer) Chest X-ray Colonoscopy Echocardiogram (ECHO) Electrocardiogram (EKG, ECG) Fasting blood glucose test Flexible sigmoidoscopy Hemoccult stool analysis Mammography Pap smear PSA (blood test for prostate cancer) Serum cholesterol test for HDLand LDL levels Serum protein electrophoresis(blood test for myeloma) Skin cancer biopsy Stress test on a bicycleor treadmill Thermography ThinPrep pap test Virtual colonoscopyGroup Medical BridgeSM insurance’s health screening benefit can help pay for health and wellness tests you have each year.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.
Accident InsuranceTo learn more, contact:National Safety Council, Injury Facts, 2017ColonialLife.comAlex was cleaning out the gutters when he fell. He was taken by ambulance to the nearest emergency room. Alex was admitted to the hospital for surgery on his leg. His recovery required eight sessions of physical therapy and several follow-up appointments with his doctor.One family’s journeyFor illustrative purposes only. Benefits may not cover all expenses. The policy has exclusions and limitations.This brochure provides an overview of the plan. For complete details, refer to your certificate.Every 10 minutes, nearly 750 Americans suffer an injury severe enough to seek medical help.INDIVIDUAL ACCIDENT - IAC4000 NS-15825Accidents can happen to anyoneNo matter who you are, what you do or where you live, you could get hurt accidentally. It’s just the nature of life.And accidents can come with costs, such as emergency room fees, doctor’s bills and the costs of missing work. Even if you have good health insurance, deductibles and co-pays can really add up aer an accident. Would you have savings available to pay these costs?With accident insurance, you can receive benefits paid directly to you to help with all the expenses of a covered accident. This financial protection can help you focus on what really matters: healing.Alex received benefits for:Ambulance rideEmergency room visit X-rayHospital admissionHospital confinementLeg fracturePhysical therapyMedical equipment (crutches)Doctor’s office visit
Accident InsuranceNS-15825 3-18 | NS-15825Active families with children in sports are especially vulnerable to the rising costs of medical treatment for injuries. But everyone, young or old, could suffer an accident at any time.Be ready for the unexpected costs an injury can bringDANIELDaniel is 30, single, likes to read and enjoys watching TV. On his way to the bookstore, he had an automobile accident and broke two of his ribs.The story above is for illustrative purposes only. Benefits may vary. The certificate and policy have exclusions and limitations. For complete details, see your Colonial Life benefits counselor.Daniel’s benefit helped cover his out-of-pocket costs for emergency room treatment. He also used some of his benefit to rent a car while his was in the shop.How his accident policy helped: Accident coverage advantagesWhoever you are, whatever you do, an accident could be just around the corner. With accident insurance, you can be ready. A set amount is payable based on the injury you suer and the treatmentyou receive. Benefits are payable directly to you (unless you specify otherwise) and canbe used as you see fit. Coverage is available for you, your spouse and eligible dependent children. You do not need to answer medical questions or have a physical exam to getbasic coverage. Accident insurance covers injuries that happen on-the-job or o-the-job,unlike workers’ compensation, which only covers on-the-job injuries. Benefit payments are not reduced by any other insurance you may havewith other companies.
Accident InsuranceNS-15825 3-18 | NS-15825Meet wth a benefits counselorBy attending a 1-to-1 counseling session with a Colonial Life benefits counselor, you can learn more about accident insurance and how it can help you prepare for the unexpected. Your benefits counselor can also review the rest of your insurance coverage and help you determine where you may need additional financial protection. These stories are for illustrative purposes only. Benefits may vary. The certificate and policy have exclusions and limitations. For complete details, see your Colonial Life benefits counselor.Isabella’s care in the orthopedic clinic required a co-pay and co-insurance. Her benefit helped cover these, plus costs for X-rays, crutches and accident follow-up treatment.ALEX AND KATHERINENow that they’re empty-nesters, Alex and Katherine love to travel and camp in national parks. One night, Alex tripped over the logs for their campfire and broke his collarbone.THE TAYLOR FAMILYThe Taylors’ two teenage kids, Isabella and Benjamin, both love sports. Isabella dislocated her ankle falling o her bike and needed treatment right away.Alex used his benefit to cover his yearly deductible and co-pays for the surgery, hospital confinement and physical therapy he needed to get back in shape.How their accident policy helped:How their accident policy helped:
3-18 | NS-15825Accident InsuranceAccident insurance can help with medical or other costs associated with a covered accident or injury that your health insurance may not cover. Coverage options are available for you, your spouse and eligible dependent children.Benefits are per covered person per covered accident unless stated otherwise. Basic Plan Preferred Plan Premier PlanAccident emergency treatmentOne visit per covered person per covered accident$100 $125 $150Accident follow-up treatment (including transportation/telemedicine)Up to six benefits per covered person per covered accident and up to 12 benefits per covered person per calendar year$45 $55 $65Accidental death Per covered personNamed insured: $25,000 $40,000 $50,000Spouse: $25,000 $40,000 $50,000Dependent child(ren): $5,000 $10,000 $15,000Accidental death common carrierBenefit can pay if the insured individual is injured as a fare-paying passenger on a common carrier (examples include mass transit trains, buses and planes)Per covered personNamed insured: $100,000 $160,000 $200,000Spouse: $100,000 $160,000 $200,000Dependent child(ren): $15,000 $30,000 $45,000Accidental dismembermentLoss, loss of use or paralysis■One hand, arm, foot, leg or sight of an eye $7,500 $10,000 $15,000■Both hands, arms, feet, legs or the sight of both eyes; or any combination $15,000 $20,000 $30,000Loss or loss of use■One finger or toe$600 $900 $1,200■Two or more fingers; two or more toes; any combination $1,200 $1,800 $2,400■Partial dismemberment of one finger or toe $300 $450 $600■Partial dismemberment of two or more fingers and toes; or any combination $600 $900$1,200Accidental dismemberment due to a catastrophic accidentFor total and irrecoverable loss, loss of use or paralysis of one of the following:■Both hands, arms, feet, legs or the sight of both eyes; or any combination; or■Loss of hearing of both ears, or loss of ability to speakSubject to a 180-day elimination period; payable once per lifetime per covered personPer covered personNamed insured: $10,000 $25,000 $25,000Spouse: $10,000 $25,000 $25,000Dependent child(ren): $10,000 $25,000 $25,000Accidental injury due to an automobile accidentRequires transportation to a hospital or medical facility by ambulance Payable once per calendar year for all covered persons combined$250 $250 $250Air ambulanceTransportation to or from a hospital or medical facility$1,200 $2,000 $2,000Ambulance (ground or water)Transportation to or from a hospital or medical facility$150 $200 $300Blood/plasma/platelets (transfusion)A transfusion required during treatment of a covered accident$300 $300 $500Burn■2nd-degree burns (covering at least 36% of the body’s surface) $1,000 $1,000 $2,000■3rd-degree burns (based on size) $1,500-$9,000 $2,000-$12,000 $3,000-$18,000Burn — Skin GraftAs a result of 2nd-degree or 3rd-degree burns50% of applicable burn benefit50% of applicable burn benefit50% of applicable burn benefitComaLasting for seven or more consecutive days$10,000 $12,500 $15,000Per covered personNamed insured:Spouse:Dependent child(ren):Per covered personNamed insured:Spouse:Dependent child(ren):Per covered personNamed insured:Spouse:Dependent child(ren):
3-18 | NS-15825Accident InsuranceBasic Plan Preferred Plan Premier PlanNS-15825 12-17 | NS-15825Concussion $100 $150 $200Dislocation (separated joint) Non-surgical SurgicalNon-surgical SurgicalNon-surgical Surgical■Hip $1,750 $3,500 $2,250 $4,500 $2,500 $5,000■Knee (except patella) $1,000 $2,000 $1,125 $2,250 $1,250 $2,500■Ankle, bone or bones of the foot (other than toes) $750 $1,500 $1,000 $2,000 $1,250 $2,500■Collarbone (sternoclavicular) $500 $1,000 $750 $1,500 $1,000 $2,000■Collarbone (acromioclavicular and separation) $400 $800 $500 $1,000 $600 $1,200■Lower jaw, shoulder, elbow, wrist, bone(s) of the hand $400 $800 $500 $1,000 $600 $1,000■Finger, toe$75 $150 $100 $200 $125 $250■Incomplete dislocation or dislocation reduction without anesthesia 25% of applicable non-surgical amount25% of applicable non-surgical amount25% of applicable non-surgical amountEmergency dental work■Dental crown, denture or implant $150 $300 $600■Dental extraction $50 $100 $200Eye injuryWith surgical repair or removal of foreign object$200 $300 $400Fracture (complete) Non-surgical SurgicalNon-surgical SurgicalNon-surgical Surgical■Skull, depressed fracture (except face/nose) $2,500 $5,000 $3,000 $6,000 $3,750 $7,500■Skull, simple non-depressed fracture $1,000 $2,000 $1,200 $2,400 $1,500 $3,000■Hip, thigh (femur) $1,400 $2,800 $2,200 $4,400 $3,000 $6,000■Body of vertebrae (excluding vertebral process), pelvis, leg $750 $1,500 $1,000 $2,000 $1,250 $2,500■Bones of the face or nose (except mandible or maxilla) $350 $700 $500 $1,000 $750 $1,500■Upper jaw, maxilla, upper arm between elbow and shoulder $400 $800 $450 $900 $500 $1,000■Lower jaw, mandible $325 $650 $375 $750 $425 $850■Kneecap, ankle, foot or heel $325 $650 $375 $750 $425 $850■Shoulder blade $325 $650 $375 $750 $425 $850■Collarbone, vertebral processes $500 $1,000 $625 $1,250 $750 $1,500■Forearm, hand, wrist $325 $650 $375 $750 $425 $850■Rib $500 $1,000 $625 $1,250 $750 $1,500■Coccyx $225 $450 $250 $500 $275 $550■Finger $250 $500 $325 $650 $375 $750■Toe $250 $500 $325 $650 $375 $750■Chip fracture 25% of applicable non-surgical amount25% of applicable non-surgical amount25% of applicable non-surgical amountHearing loss injuriesMaximum of one benefit for each injured ear per covered person per lifetime$120 $120 $120Hospital admissionPer covered person per covered accident$1,000 $1,000 $1,500Hospital confinementUp to 365 days per covered person per covered accident$200 per day $250 per day $300 per dayHospital sub-acute intensive care unit confinementUp to 30 days per covered person per covered accident$275 per day $325 per day $400 per dayIntensive care unit admissionPer covered person per covered accident$1,500 $2,000 $2,500Intensive care unit confinementUp to 15 days per covered person per covered accident$350 per day $450 per day $500 per day
3-18 | NS-15825NS-15825 12-17 | NS-15825Accident InsuranceBasic Plan Preferred Plan Premier PlanKnee cartilage (torn) $500 $650 $750Laceration (no repair, without stitches) $30 $30 $30Laceration (repaired with stitches)■Total of all lacerations is less than two inches long $50 $75 $100■Total of all lacerations is at least two but less than six inches long $250 $275 $300■Total of lacerations is six inches or longer $500 $600 $600Lodging (companion)Up to 30 days per covered person per covered accident$100 per day $125 per day $150 per dayMedical equipment■Tier 1 — Arm sling, cane, medical ring cushion, neck brace or wrist/ankle splint $30 $30 $30■Tier 2 — Bedside commode, cold therapy system (cryotherapy), crutches, leg brace, shower chair, walker or walking boot$75 $100 $150■Tier 3 — Back brace, body jacket, Continuous Passive Movement (CPM), halo, electric scooter, hospital bed (including rental), knee scooter, stair lift chair, wheelchair$150 $200 $300Medical imaging study (CT, CAT scan, EEG, EMG, MR or MRI)One benefit per covered person per covered accident per calendar year$150 $200 $250Observation roomUp to two days per covered person per calendar year$150 per day $150 per day $150 per dayPain management for epidural anesthesia (non-surgical) $100 $100 $150Post-Traumatic Stress Disorder (PTSD)Diagnosed from a covered accident with one benefit per covered person per calendar year$200 $200 $200Prosthetic device/artificial limb One $500 $750 $1,000More than one $1,000 $1,500 $2,000■Repair or replacement One repair or replacement per prosthetic device/artificial limb per covered person per lifetimeRepair $250 $375 $500Replacement $500 $750 $1,000Rehabilitation unit confinementImmediately after a period of hospital confinement due to a covered accident; up to 15 days per covered person per covered accident, not to exceed 30 days per covered person per calendar year$100 per day $150 per day $200 per dayRuptured disc with surgical repair $500 $750 $1,250Surgery■Cranial, open abdominal and thoracic $1,000 $1,500 $1,500■Hernia with surgical repair $175 $200 $250Surgery (exploratory and arthroscopic) $200 $300 $300Tendon/ligament/rotator cuff■One with surgical repair $500 $650 $750■Two or more with surgical repair $1,000 $1,300 $1,500Therapy (occupational, physical or speech)Up to 10 days per covered person per covered accident$25 per day $35 per day $40 per dayTransportation for hospital confinement (per round trip)Up to 3 round trips for more than 50 miles from home per covered person per covered accident$400 $600 $700X-ray $30 $30 $40OneMore than oneRepairReplacement
Accident InsuranceFor more information, talk with your benefits counselor.ColonialLife.comNS-15825 3-18 | NS-15825Health Savings Account (HSA) Compatible This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be offered to employees who do not have HSAs.Exclusions and limitationsBenefit plan exclusions ACCIDENT INSURANCE PROVIDES LIMITED BENEFITS.This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may affect benefits payable. For cost and complete details, see your Colonial Life benefits counselor. Benefit Plan This brochure is applicable to policy form IAC4000-. Premium at the effective date will vary according to the family coverage type.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC©2018 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.comSubsequent diagnosis of a dierent critical illness3If you receive a benefit for a specified critical illness, and later you are diagnosed with a dierent specified critical illness, the original percentage of the face amount is payable for that particular specified critical illness.Subsequent diagnosis of the same critical illness3If you receive a benefit for a specified critical illness, and later you are diagnosed with the same specified critical illness, 25% of the original face amount is payable. Critical illness conditions that do not qualify are: cancer, coronary artery bypass gra surgery/disease,2 carcinoma in situ, and occupational infectious HIV or occupational infectious hepatitis B, C or D.Specified Critical Illness InsuranceIf you’re diagnosed with a covered critical illness or cancer, specified 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.Face amount: $_______________ For the diagnosis of this covered critical illness condition:1This percentage of the face amount is payable:Cancer 100%Heart attack (myocardial infarction) 100%Stroke 100%End-stage renal (kidney) failure 100%Major organ failure 100%Permanent paralysis due to a covered accident 100%Coma 100%Blindness 100%Occupational infectious HIV or occupational infectious hepatitis B, C or D100%Coronary artery bypass gra surgery/disease225%Carcinoma in situ 25%Critical illness benefitCRITICAL ILLNESS 1.0 WITH CANCER AND SUBSEQUENT DIAGNOSIS The maximum benefit amount for this policy is 3x the face amount for the named insured for all covered persons combined. The policy will terminate when the maximum benefit amount for specified critical illness has been paid.elect $5,000 to$20,000
ColonialLife.com1 Please refer to the policy 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 specified critical illness must be separated by at least 180 days.THIS POLICY PROVIDES LIMITED BENEFITS.EXCLUSIONS AND LIMITATIONS FOR SPECIFIED CRITICAL ILLNESSWe will not pay benefits for a specified critical illness that occurs as a result of a covered person’s: felonies; pre-existing condition; psychiatric or psychological condition; or war or armed conflict. This is not an insurance contract and only the actual policy provisions will control. Applicable to policy form CI-1.0-PL7-OR, CI-1.0-PL8-OR or CI-1.0-PL10-OR. Please see your Colonial Life benefits counselor for details.7-17 | 101825-ORUnderwritten 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.Cancer vaccine benefit: ................................................................. $50 This benefit is payable if you or your covered family members incur a charge for any FDA-approved cancer vaccine while your policy is inforce.
Individual Short-Term Disability InsuranceIs your paycheck protected?It’s important to be financially prepared for the future. That’s why youhave insurance for your house, your car and your health. But if you’relike many Americans, you don’t have insurance for the one thingyou use to pay for these expenses — your paycheck.If an accident or illness prevented you from earning an income, howwould you pay for your everyday expenses? Colonial Life’s disability insurance can help pay for your expenses and keep you focused on what really matters — recovery.To learn more, contact:ColonialLife.comINDIVIDUAL SHORT TERM DISABILITY 3000 NS-16167 ASHLEYWhile jogging aer work one evening, Ashley injured her leg. Her doctor advised her to stay o of her leg for three weeks. Aer using paid time o for a week, Ashley stopped receiving a paycheck.How her disability policy helped: Ashley used her disability benefits to help with her rent and monthly student loan payment.Recent college graduate with first full-time jobOver 1 in 4 of today’s 20-year-olds will become disabled before reaching age 67.Social Security Administration, Social Security Basic Facts, https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf (accessed July 5, 2017)Your bills continue, even if your paycheck doesn’tThink about your ongoing monthly expenses — everything from your mortgage or rent to your groceries and utilities. If a disability le you without a paycheck, you might rely on savings as a backup plan, but would you have enough?
Basic benefitsMonthly disability benefit for off-job coverageChoose a monthly benefit up to 60% of your income, between $400 and $4,000*.*Subject to income requirements.Benefit and elimination periodsThe benefit period is the maximum length of time for which you can receive benefits. The elimination period is the length of time between when your disability begins and when you are eligible to receive the monthly disability benefits.Benefit periods: 3 months 12 monthsElimination period(s):AccidentSickness7 days 7 days 14 days14 days90 days 90days Additional disability benefit riderThe benefit provides an opportunity to increase your coverage as your needs change. You don’t have to answer any health questions, so it’s easy to add more coverage. - You can increase your disability coverage at two different enrollments with the rider. This option is included in all disability plans, so you’re able to purchase additional coverage during future enrollments without answering health questions. - You can increase your disability coverage two different times by either $100 or $200 per month. If you would like to add $300 or more of disability benefits, you can apply for coverage by following standard underwriting guidelines.Individual Short Term Disability Insurance7-18 | NS-16167More than 65% of workers who apply for Social Security Disability Insurance are denied.Social Security Administration, Selected Data from Social Security Program, 2018NS-16167 Coverage advantages Benefits are payable directlyto you (unless you specify otherwise), and you can use them however you’d like. At enrollment, you can choose the disability benefit amount to best meet your needs (subject to income). Benefits are payable regardless of any insurance you may have with other companies. Disability benefits may also be available if you return to work part-time.
Product informationTotal disability definition – Totally disabled or total disability means you are: unable to perform the material and substantial duties of your job, not working at any job, and under the regular and appropriate care of a physician.How partial disability works – 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 benefit.Waiver of premium – We will waive your premium payments after 90 consecutive days of a covered disability.Geographical limitations – If you are disabled while outside of the United States, Canada or Mexico, you may receive benefits for up to 60 days before you have to return to the U.S. in order to continue receiving benefits.Issue age – Coverage is available from ages 17 to 74.Keep your coverage – You can keep your coverage to age 75 at no additional cost, even if you change jobs, as long as you pay your premiums when they are due.Exclusions and limitationsWe will not pay benefits for losses that are caused by, contributed to by or occur as the result of:• cosmetic surgery,• felonies or illegal occupations,• flying,• hazardous avocations,• intoxicants and narcotics,• psychiatric or psychological conditions,• racing, semi-professional or professional sports,• substance abuse,• suicide or injuries which you intentionally do to yourself,• war or armed conflict.We will not pay for losses due to you giving birth within the first nine months after the coverage effective date of the policy. We will not pay for loss when the disability is a pre-existing condition as described in the policy.Limitations and Exclusions: The additional disability benefit rider pre-existing conditions are based on the coverage effective date of the additional disability benefit rider, not the coverage effective date of the base policy. While the additional disability benefit rider is offered on a guaranteed-issue basis, the pre-existing exclusion applies to the additional disability benefit rider. The base disability policy limitations and exclusions apply. Administrative Guidelines on the Additional Disability Benefit Rider: The first opportunity is available starting six months after your original policy effective date. The second opportunity is available starting nine months after your first rider effective date. The base coverage com-bined with the additional disability benefit rider cannot exceed 60% of income replacement. The total benefit amount including the base coverage combined with the additional disability benefit rider should not exceed $4,000 per month. If policyholders have more than $4,000 in monthly coverage, they can purchase additional coverage through standard underwriting.Pre-existing conditionPre-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 policy coverage effective date shown on the policy schedule.After this policy has been in force for 12 months from the policy coverage effective date shown on the policy schedule, we will pay benefits for any pre-existing condition not excluded by name or specific description if the covered disability began at least 12 months after the policy coverage effective date and the elimination period has been satisfied.For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form ISTD3000. This is not an insurance contract and only the actual policy and rider provisions will control.Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC© 2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. 7-18 | NS-16167 For more information, talk with your benefits counselor.ColonialLife.comIndividual Short Term Disability Insurance
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
Whole Life Plus Insurance*You can’t predict your family’s future, but you can prepare for it.Help give your family more peace of mind and coverage for nal expenses with Colonial Life Individual Whole Life Plus insurance.Benets and features Choose the age when your premium payments end — Paid-Up at Age 70 or Paid-Up at Age 100 Stand-alone spouse policy available even without buying a policy for yourself Ability 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 Immediate $3,000 claim payment that can help your designated beneciary pay for funeral costs or other expenses Provides cash surrender value at age 100 (when the policy endows)Additional coverage optionsSpouse term riderCover your spouse with a death benet up to $50,000, for 10 or 20 years.Juvenile Whole Life Plus policyPurchase a policy (Paid-Up at Age 70) while children are young and premiums are low — whether or not you buy a policy for yourself. You may also increase the coverage when the child is 18, 21 and 24 without proof of good health. Children’s term riderYou may purchase up to $20,000 in term life insurance coverage for all of your eligible dependent children and pay one premium. The children’s term rider may be added to either your policy or your spouse’s policy — not both.Advantages of Whole Life Plus insurance• Permanent life insurance coverage that stays the same through the life of the policy• Premiums will not increase due to changes in health or age.• Accumulates cash value based on a nonforfeiture interest rate of 3.75%2• Policy loans available, which can be used for emergencies• Benet for the beneciary that is typically tax-freeYour cost will vary based on the amount of coverage you select.WHOLE LIFE PLUS (IWL5000)
Additional coverage options (Continued)Accelerated death benet for long term care services rider3Talk with your benets counselor for more details.Accidental death benet riderAn additional benet may be payable if the covered person dies as a result of an accident before age 70, and doubles if the injury occurs while riding as a fare-paying passenger using public transportation. An additional 25% is payable if the injury occurs 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 Talk with your benets counselor for more details.Critical illness accelerated death benet riderIf you suffer a heart attack, stroke or end-stage renal (kidney) failure, a $5,000 benet is payable.1 A subsequent diagnosis benet is included.Guaranteed purchase option riderThis rider allows you to purchase additional whole life coverage — without having to answer health questions — at three different points in the future. The rider may only be added if you are age 50 or younger when you purchase the policy. You may purchase up to your initial face amount, not to exceed a total combined maximum of $100,000 for all options.Waiver of premium benet riderPolicy and rider premiums are waived if you become totally disabled before the policy anniversary following your 65th birthday and you satisfy the six-month elimination period. Once you are no longer disabled, premiums will resume.Benets worksheetFor use with your benets counselorHow much coverage do you need? YOU $ _______________________Select the option: Paid-Up at Age 70 Paid-Up at Age 100 SPOUSE $ __________________ Select the option: Paid-Up at Age 70 Paid-Up at Age 100 DEPENDENT STUDENT $ ____________________________ Select the option: Paid-Up at Age 70 Paid-Up at Age 100Select any optional riders: Spouse term rider $ _____________ face amount for _________-year term period Children’s term rider $ ______________ face amount Accelerated death benet for long term care services rider Accidental death benet rider Chronic care accelerated death benet rider Critical illness accelerated death benet rider Guaranteed purchase option rider Waiver of premium benet riderTo learn more, talk with your benets counselor.ColonialLife.com* Whole Life Plus is a marketing name of the insurance policy led as “Whole Life Insurance” in most states.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 Accessing the accumulated cash value reduces the death benet by the amount accessed, unless the loan is repaid. Cash value will be reduced by any outstanding loans against the policy.3 The rider is not available in all states. This life insurance does not specically cover funeral goods or services and may not cover the entire cost of your funeral at the time of your death. The beneciary of this life insurance may use the proceeds for any purpose, unless otherwise directed.EXCLUSIONS AND LIMITATIONS: If 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 ICC19-IWL5000-70/IWL5000-70, ICC19-IWL5000-100/IWL5000-100, ICC19-IWL5000J/IWL5000J and rider forms ICC23-IWL5000-LTC/IWL5000-LTC, ICC19-R-IWL5000-STR/R-IWL5000-STR, ICC19-R-IWL5000-CTR/R-IWL5000-CTR, ICC19-R-IWL5000-WP/R-IWL5000-WP, ICC19-R-IWL5000-ACCD/R-IWL5000-ACCD, ICC19-R-IWL5000-CI/R-IWL5000-CI, ICC19-R-IWL5000-CC/R-IWL5000-CC, ICC19-R-IWL5000-GPO/R-IWL5000-GPO (including state abbreviations where applicable). For cost and complete details of the coverage, call or write your Colonial Life benets counselor or the company. 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 | 642298-2
Filing online means never waiting for mail or dealing with fax machines and complex paper forms . Our guided question wizard walks you through the process and checks for missing information that could cause delays. Opting for direct deposit can also get approved payments to you up to a week faster than paper check. NEED TO FILE A CLAIM?Here’s what you can do on Colonial Life for Policyholders:Update yourpersonal info& preferencesFile claimswith a simple,guided form Opt for instant alerts by email or textView claim statusor policy details anytimeCheck your claim status by logging into your account at ColonialLife.com/access. You can also sign up for text or email alerts so you know instantly if status changes or more information is needed. For your convenience, you can login anytime with a mobile device to photograph and upload documents with your camera.AFTER YOU FILE:Find out how simple your claims and benefits experience can be by learning more about the Colonial Life for Policyholders portal. Just visit ColonialLife.com to see what this online account administration platform can do for you.LEARN MOREBECOME A MEMBER TODAY:Go to ColonialLife.com/access to register.Click “create an account”, fill out the required information and click Submit.Enjoy faster service and improved benefits awareness.123THE PORTALOFFERS YOU:Faster service than calling/emailingConfirmation when a claim has been submittedSimplified bill payment and managementAnswers to frequently asked questions and live chat assistance if you don’t see what you are looking for.Colonial Life for Policyholders PortalA faster, simpler way to manage your benefitsColonial Life for Policyholders is an online portal created with you in mind. It’s the most convenient and ecient way to file a claim and manage your benefits. Colonial Life 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.43233-41Set up directdeposit forapproved payments