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Benefit Booklet 2024
Colonial Life provides benefits that employees want for the unexpected moments in life Whether planning for retirement growing their families or saving for college they know an injury or illness won t derail their dreams For more information Shelley Hartsell 704 883 4838 Shelley Hartsell ColonialLifeSales com Life is anything but expected That s why we re here Plan options Accident insurance Helps offset unexpected medical expenses such as emergency room fees deductibles and co payments that can result from a fracture dislocation or other covered accidental injury Hospital insurance Provides a lump sum benefit for a covered hospital confinement or outpatient surgery to help with co payments and deductibles that are not covered by most major medical plans Critical illness Cancer Supplements your major medical coverage by providing a lumpsum benefit you can use to pay the direct and indirect costs related to a covered critical illness and cancer Disability Provides financial protection to cover income loss from a covered disability Life insurance Enables you to tailor coverage for your individual needs and helps provide financial security for your family members
Accident 1.0 – BasicAccidents happen in places where you and your family spend the most time – at work, in the home and on the playground – and they’re unexpected. How you care for them shouldn’t be. In your lifetime, which of these accidental injuries have happened to you or someone you know?l Sports-related accidental injuryl Broken bonel Burnl Concussionl Lacerationl Back or knee injuriesColonial Life’s Accident Insurance is designed to help you ll some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benet to you is that you may not need to use your savings or secure a loan to pay expenses. Plus you’ll feel better knowing you can have greater nancial security.l Car accidentsl Falls & spillsl Dislocationl Accidental injuries that send you to the Emergency Room, Urgent Care or doctor’s oceWhat additional features are included?l Worldwide coveragel Portablel Compliant with Healthcare Spending Account (HSA) guidelinesWill 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).What if I change employers?If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period. Can my premium change?Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued. How do I le a claim?Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.Accident Insurance
Common Accidental InjuriesBenets listed are for each covered person per covered accident unless otherwise specied.Initial Carel Accident Emergency Treatment........... $100 l Ambulance .......................................$200l X-ray Benet .................................................. $40 l Air Ambulance ............................. $1,200Dislocations (Separated Joint) Non-Surgical SurgicalHip $5,400 $10,800Knee (except patella)$2,700 $5,400Ankle – Bone or Bones of the Foot (other than Toes)$2,160 $4,320Collarbone (Sternoclavicular) $1,350 $2,700Lower Jaw, Shoulder, Elbow, Wrist $810 $1,620Bone or Bones of the Hand $810 $1,620Collarbone (Acromioclavicular and Separation) $270 $540One Toe or Finger $270 $540Fractures Non-Surgical Surgical Depressed Skull $4,500 $9,000 Non-Depressed Skull $1,800 $3,600 Hip, Thigh $2,700 $5,400Body of Vertebrae, Pelvis, Leg $1,350 $2,700 Bones of Face or Nose (except mandible or maxilla) $630 $1,260Upper Jaw, Maxilla $630 $1,260Upper Arm between Elbow and Shoulder $630 $1,260Lower Jaw, Mandible, Kneecap, Ankle, Foot $540 $1,080Shoulder Blade, Collarbone, Vertebral Process $540 $1,080Forearm, Wrist, Hand $540 $1,080Rib $450 $900 Coccyx $360 $720 Finger, Toe $180 $360 Your Colonial Life policy 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 Coma ...............................................................................................................................................................$7,500l Concussion .......................................................................................................................................................$150l Emergency Dental Work .......................................$50 Extraction, $200 Crown, Implant, or Denturel Lacerations (based on size) ........................................................................................................... $50 to $800Requires Surgeryl Eye Injury ...........................................................................................................................................................$200l Tendon/Ligament/Rotator Cu .......................................................... $500 - one, $1,000 - two or morel Ruptured Disc ..................................................................................................................................................$500l Torn Knee Cartilage .......................................................................................................................................$500Surgical Carel Surgery (cranial, open abdominal or thoracic) ................................................................................$1,000l Surgery (hernia) ..............................................................................................................................................$100l Surgery (arthroscopic or exploratory) ....................................................................................................$200l Blood/Plasma/Platelets ................................................................................................................................$300
Transportation/Lodging AssistanceIf injured, covered person must travel more than 50 miles from residence to receive special treatment and connement in a hospital.l Transportation ............................................................................$400 per round trip, up to 3 round tripsl Lodging (family member or companion) ..............................................$100 per night, up to 30 days for a hotel/motel lodging costsAccident Hospital Carel Hospital Admission* ........................................................................................................$1,000 per accidentl Hospital ICU Admission* ................................................................................................$2,000 per accident* We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.l Hospital Connement ........................................................ $200 per day, up to 365 days per accidentl Hospital ICU Connement ..................................................$400 per day, up to 15 days per accidentAccident Follow-Up Carel Accident Follow-Up Doctor Visit ..........................................................$50 (up to 2 visits per accident)l Medical Imaging Study ......................................................................................................$200 per accident (limit 1 per covered accident and 1 per calendar year)l Occupational or Physical Therapy .................................................... $35 per treatment, up to 10 daysl Appliances ..........................................................................................$125 (such as wheelchair, crutches)l Prosthetic Devices/Articial Limb ....................................................$500 - one, $1,000 - more than 1l Rehabilitation Unit ................................................ $100 per day, up to 15 days per covered accident, and 30 days per calendar year; maximum of 30 days per calendar yearAccidental Dismembermentl Loss of Finger/Toe .................................................................................$600 – one, $1,200 – two or morel Loss or Loss of Use of Hand/Foot/Sight of Eye .....................$6,000 – one, $12,000 – 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 or l Loss of the ability to speakl Loss or loss of use of both arms or both legs Named Insured ................ $10,000 Spouse ..............$10,000 Child(ren) ......... $5,000365-day elimination period. Amounts reduced for covered persons age 65 and over. Payable once per lifetime for each covered person. Accidental DeathAccidental Death Common Carrierl Named Insured $20,000 $80,000l Spouse $20,000 $80,000l Child(ren) $4,000 $16,000
For more information talk with your benefits counselor ColonialLife com Hospital Confinement Indemnity Insurance Plan 1 Our Individual 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 _____1_5_0__0_________ Maximum of one benefit per covered person per calendar year Observation room 100 per visit Maximum of two visits per covered person per calendar year Rehabilitation unit confinement 100 per day Maximum of 15 days per confinement with a 30 day maximum per covered person per calendar year Waiver of premium Available a er 30 continuous days of a covered hospital confinement of the named insured ICU 500 per day Health savings account HSA compatible This plan is compatible with HSA guidelines This plan may also be o ered to employees who do not have HSAs Colonial Life Accident Insurance Company s Individual Medical Bridge o ers an HSA compatible plan in most states THIS POLICY PROVIDES LIMITED BENEFITS EXCLUSIONS We will not pay benefits for injuries received in accidents or for sicknesses which are caused by a alcoholism or drug addiction b dental procedures c elective procedures and cosmetic surgery d felonies or illegal occupations e pregnancy of a dependent child f psychiatric or psychological conditions g suicide or injuries which any covered person intentionally does to himself or herself or h war We will not pay benefits for hospital confinement i due to giving birth within the first nine months a er the e ective 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 a ect any benefits payable PRE EXISTING CONDITION LIMITATION l We will not pay benefits for loss during the first 12 months a er the e ective date due to a pre existing condition m A preexisting 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 the 12 months before the e ective date of the policy n This limitation applies to the following benefits if applicable Hospital Confinement Daily Hospital Confinement Enhanced Intensive Care Unit Confinement and Rehabilitation Unit Confinement 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 policy has exclusions and limitations which may a ect any benefits payable Applicable to policy form IMB7000 including state abbreviations where used for example IMB7000 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 form 562973 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 IMB7000 PLAN 1 1 21 562880
Hospital Confinement Indemnity Insurance Exclusions and Limitations STATE SPECIFIC EXCLUSIONS AK a Replaced by intoxicants and narcotics CA a Replaced by intoxicants or controlled substances c Replaced by cosmetic surgery CT a Replaced by intoxication or drug addiction d Replaced by felonies e Exclusion does not apply DE a Exclusion does not apply IL a Replaced by alcoholism intoxication or drug addiction e Exclusion does not apply g Exclusion does not apply KS a Replaced by intoxicants and narcotics f Exclusion does not apply h Replaced by war or armed conflict i Exclusion does not apply j or requires necessary care and treatment of medically diagnosed congenital defects birth abnormalities or routine and necessary immunizations KY a Replaced by intoxicants narcotics and hallucinogenics LA a Replaced by intoxicants and narcotics MI g Exclusion does not apply MN a Replaced by narcotic addiction e Exclusion does not apply g Exclusion does not apply MO a Replaced by drug addiction NC i Exclusion does not apply OR a Exclusion does not apply d Replaced by felony i Replace nine months with six months SC f Replaced by mental or emotional disorders SD a Exclusion does not apply TN a Replaced by intoxicants and narcotics e Exclusion does not apply TX a Replaced by intoxicants and narcotics WA a Only sicknesses caused by alcoholism or drug addiction are excluded not accidents STATE SPECIFIC PRE EXISTING CONDITION LIMITATIONS NV WY m applies within the six months before the policy e ective date CT m Pre existing Condition means having a sickness or physical condition for which any covered person was treated received medical advice or had taken medication within 12 months before the e ective date of this policy FL m Pre existing Condition means any covered person having a sickness or physical condition that during the 12 months immediately preceding the e ective date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice diagnosis care or treatment or for which medical advice diagnosis care or treatment was recommended or received Routine follow up care during the 12 months immediately preceding the e ective date of this policy to determine whether a breast cancer has recurred in a covered person who has been previously determined to be free of breast cancer does not constitute medical advice diagnosis care or treatment for purposes of determining pre existing conditions unless evidence of breast cancer is found during or as a result of the follow up care GA m Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken prescription medication within 12 months before the e ective date of this policy IL m Pre existing Condition means having a sickness or physical condition for which any covered person was diagnosed treated had medical testing by a legally qualified physician or received medical advice or had taken medication within 12 months prior to the e ective date of this policy ME m Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing or received medical advice within 12 months before the e ective date of this policy NC m Pre existing Condition means having those conditions whether diagnosed or not for which any covered person received medical advice diagnosis care or treatment was received or recommended within one year period immediately preceding the e ective date of this policy If you are 65 or older when this policy is issued pre existing conditions will include only conditions specifically eliminated by rider OR Pre existing Condition means having a sickness or physical condition for which any covered person was diagnosed received treatment care or medical advice within the 6 month period immediately preceding the e ective date of this policy Insureds in California Oregon and South Dakota 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 a ect any benefits payable Applicable to policy form IMB7000 including state abbreviations where used for example IMB7000 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 562880 562911 or 562942 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 IMB7000 EXCLUSIONS AND LIMITATIONS 3 22 562973 1
Disability Insurance How you can protect your income If you become disabled you could be out of work for a while Without your income how would you pay for your everyday living expenses Fortunately Colonial Life offers financial protection options that can help you What can cause a disability Many accidents or sicknesses can lead to short term disability claims including pregnancy and childbirth injuries from a major accident including dislocations sprains and fractures back problems side effects from medicines or medical procedures and some mental illnesses Regardless of your age or health a disabling sickness or accidental injuries could keep you out of work for weeks or even months How reliable is your safety net While many people with disabilities look to workers compensation or Social Security Disability Insurance SSDI for help these resources aren t always reliable In fact 68 of workers who apply for SSDI are denied 1 Even if these resources can help they might not be enough to meet your financial obligations How to help yourself You can be better prepared to preserve your way of life with short term disability insurance Disability insurance features Benefits payable directly to you in regular payments if you can t work because of a covered accident or sickness injury or illness Disability benefits may be available if you return to work part time In most cases you can keep your coverage even if you change jobs as long as you pay your premiums when due Your Colonial Life benefits counselor can help you determine the amount of coverage that s right for you Nearly 70 of Americans worry about having enough emergency savings to cover a month s worth of living expenses 2 25 of 20 year olds can expect to be out of work for at least a year for a disabling condition before they retire 3 DISABILITY INSURANCE
Disability Insurance Worksheet You can tailor disability coverage to fit your specific needs Talk with your benefits counselor about your expenses and other paid leave benefits such as state paid medical leave to help determine the coverage that s right for you 4 MONTHLY EXPENSES Rent 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 ROUND TO THE NEAREST HUNDRED Your state s paid medical leave approximate benefits if any Monthly benefit _____________ Benefit period up to _____________ Talk with your Colonial Life benefits counselor to learn more about disability insurance ColonialLife com 1 Social Security Administration SSI Annual Statistical Report 2021 2 Bankrate Bankrate s 2023 annual emergency savings report 2023 3 Social Security Administration Disability and Death Probability Tables for Insured Workers 2022 4 State paid medical leave PML benefits fall under state specific program names For example in New Jersey it may be referred to as Temporary Disability Insurance TDI Not available in all states For policies issued or delivered in the Commonwealth of Virginia THIS IS AN EXCEPTED BENEFITS POLICY IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY This information is not intended to be a complete description of the insurance coverage available The insurance or its provisions may vary or be unavailable in some states The insurance has exclusions and limitations which may affect any benefits payable Applicable to policy forms ISTD3000 and rider form ISTD3000 ADIB including state abbreviations where used for example ISTD3000 TX and ISTD3000 ADIB TX policy form DIS1000 including state abbreviations where used for example DIS1000 TX policy form ED DIS 1 0 including state abbreviations where used for example ED DIS 1 0 TX policy form ICC21 DIP3000 and rider form ICC21 DIP3000 R DIS policy form GDIS P and certificate form GDIS C including state abbreviations where used for example GDIS P EE TX and GDIS C EE TX and policy form VSTDMP and certificate form VSTDC including state abbreviations where used for example VSTDMP TX and VSTDC TX Not applicable in Oregon for policy form ICC21 DIP3000 and rider form ICC21 DIP3000 R DIS For cost and complete details of coverage call or write your Colonial Life benefits counselor or the company An insurance producer may contact you Underwritten by Colonial Life Accident Insurance Company Columbia SC 2023 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company FOR EMPLOYEES 6 23 101165 10
Specified Critical Illness Insurance If 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 _ __1_0_K__ __ _7_5_K___ Critical illness benefit FOR THE DIAGNOSIS OF THIS COVERED CRITICAL ILLNESS CONDITION THIS PERCENTAGE OF THE FACE AMOUNT IS PAYABLE Cancer 100 Heart attack myocardial infarction 100 Stroke2 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 D 100 Coronary artery bypass graft surgery disease3 25 Carcinoma in situ 25 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 CRITICAL ILLNESS 1 0 WITH CANCER AND SUBSEQUENT DIAGNOSIS
Subsequent diagnosis of a different critical illness4 If you receive a benefit for a specified critical illness and later you are diagnosed with a different specified critical illness the original percentage of the face amount is payable for that particular specified critical illness For more information talk with your Colonial Life benefits counselor Subsequent diagnosis of the same critical illness4 If 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 graft surgery disease carcinoma in situ and occupational infectious HIV or occupational infectious hepatitis B C or D 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 ColonialLife com Specified Critical Illness Insurance and Critical Illness 1 0 are marketing names of the insurance policy filed as Limited Benefit Health Coverage for Specified Critical Illness In ME and NH the policy is called Limited Benefit Health Coverage for Specified Disease In SC the policy is an Individual Specified Disease policy In VT the policy is an Individual Limited Benefit Insurance policy 1 Please refer to the policy for complete definitions of covered conditions 2 In NH Stroke is referred to as Severe Stroke 3 Benefit for coronary artery disease applicable in lieu of benefit for coronary artery bypass graft surgery when health savings account HSA compliant plan is selected 4 Dates of diagnoses of a covered specified critical illness must be separated by at least 180 days THIS POLICY 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 this insurance EXCLUSIONS AND LIMITATIONS FOR SPECIFIED CRITICAL ILLNESS We will not pay benefits for a specified critical illness that occurs as a result of a covered person s alcoholism or drug addiction felonies or illegal occupations intoxicants and narcotics pre existing condition psychiatric or psychological condition suicide or self inflicted injuries or war or armed conflict 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 benefits payable Applicable to policy form CI 1 0 CI 1 0 PL7 CI 1 0 PL8 or CI 1 0 PL10 including state abbreviations where used for example CI 1 0 TX For cost and complete details of coverage call or write your Colonial Life benefits 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 5 23 101825 4
Specified Critical Illness Insurance Exclusions limitations and additional disclosures State specific variations on exclusions AK Alcoholism or Drug Addiction Exclusion does not apply CT Alcoholism or Drug Addiction Exclusion replaced with Intoxication or Drug Addiction Felonies or Illegal Occupations replaced with Felonies DE Alcoholism or Drug Addiction Exclusion does not apply FL Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion does not apply ID Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disorders IN Accidents or Sicknesses Occurring While the Policy is not In Force Exclusion added KY Alcoholism or Drug Addiction Exclusion does not apply Hallucinogenics added to Intoxicants and Narcotics Exclusion MD Alcoholism or Drug Addiction Exclusion does not apply Felonies or Illegal Occupations Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Suicide or Self Inflicted Injuries Exclusion replaced with Self Destruction or Self Inflicted Injuries MO Alcoholism or Drug Addiction Exclusion replaced with Drug Addiction Felonies or Illegal Occupations Exclusion replaced with Illegal Activities NH Intoxicants and Narcotics exclusion does not apply NJ Alcoholism or Drug Addiction replaced with Drug Addiction Felonies or Illegal Occupations Exclusion replaced with Felonies or Illegal Jobs Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disease or Disorder OR Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Suicide or Self Inflicted Injuries Exclusion does not apply Felonies or Illegal Occupations Exclusion replaced with Felonies SC Alcoholism or Drug Addiction Exclusion does not apply Psychiatric or Psychological Condition Exclusion replaced with Mental or Emotional Disorders SD Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply TX Alcoholism or Drug Addiction Exclusion does not apply UT Alcoholism or Drug Addiction Exclusion replaced with Alcoholism VT Alcoholism or Drug Addiction Exclusion does not apply Intoxicants and Narcotics Exclusion does not apply Psychiatric or Psychological Condition Exclusion does not apply War or Armed Conflict Exclusion replaced with War State specific pre existing condition limitations FL 12 12 Pre existing Condition means having a sickness or physical condition that during the 12 months immediately preceding the Policy Coverage Effective Date of this policy had manifested itself in such a manner as would cause an ordinarily prudent person to seek medical advice diagnosis care or treatment or for which medical advice diagnosis care or treatment was recommended or received IA 12 12 Pre existing Condition means having a condition for which medical advice or treatment or medication was recommended by a physician or received from a physician within 12 months preceding the Policy Coverage Effective Date of the covered person s policy MD 12 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within 12 months before the Policy Coverage Effective Date of this policy A condition admitted or disclosed on the application will be covered unless the disease or condition is excluded by name or specific description effective on the date of loss NC 12 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within 12 months before the Policy Coverage Effective Date of this policy If a covered person is 65 or older when this policy is issued pre existing conditions for that covered person will include only conditions specifically eliminated by rider NH 6 6 Pre existing condition means having a sickness or physical condition for which any covered person was diagnosed treated had medical testing or received medical advice within 6 months before the Policy Coverage Effective Date of this policy NJ 6 6 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within six months before the Policy Coverage Effective Date of this policy NV 6 12 Pre existing Condition means having a sickness or physical condition for which any covered person was treated had medical testing received medical advice or had taken medication within six months before the Policy Coverage Effective Date of this policy CRITICAL ILLNESS 1 0
Term Life InsuranceOur term life plan can help provide security during challenging times.New life stages bring greater nancial obligations — from marriage and home buying to starting a family or preparing for retirement. Employees may need additional coverage to help protect what they’ve built and help cover future obligations. When you include term life insurance in your overall benets package, you’re giving employees options to help cover nal expenses and lessen future nancial strain for their loved ones.PRODUCT ADVANTAGES• Supplements cash value life insurance during high-need years, offering the highest death benet for the lowest cost• Can be combined with other supplemental insurance policies, such as short-term disability and cash value life insurance, to help build an employee’s nancial foundation ATTRACTIVE UNDERWRITING• Unlimited maximum face amount, subject to underwriting• Post-enrollment options available with no medical underwriting to qualify for coverage (employers with 50+ employees if participation requirements are met)• Simplied issue underwriting available for accounts with greater than three employees• Non-medical underwriting (no blood proles or examinations) available for certain age bands and face amounts• Spouse signature not required for spouse term rider or spouse term policy with face amounts less than $50,000, except in states that require applicant to signCOMPETITIVE FEATURES• Four plan options (10-, 15-, 20- and 30-year) offer exibility to meet employees’ specic needs• Broad issue age ranges, up to 75 on the 10-year plan• Tobacco-distinct rates• Unisex rates on face amounts up to $250,000• Premium savings for face amounts over $250,000 based on health and issued with gender-distinct rates• Guaranteed level premiums for the selected term• Annually renewable (to age 95) without proof of good health• Accelerated death benet1 due to terminal illness• Option to convert all or a portion of term benet amount into cash value insurance (through age 75) without proof of good health• Individually owned: employees can take coverage with them if they change jobs or retireTERM LIFE (ITL5000)
Your cost will vary based on the level of coverage you select. Whole Life InsuranceYou can’t predict your family’s future, but you can be prepared for it.You like to think that you’ll be there for your family in the years to come. But if something happened to you, would your family have the income they need?It’s not easy to think about such serious circumstances, but it’s important to make sure your family is financially protected. You can gain peace of mind with whole life insurance from Colonial Life.Advantages of whole life insurance Permanent coverage that stays the same throughout the life of the policy Guaranteed level premiums that do not increase because of changes in health or age Access to the policy’s cash value through a policy loan for emergencies1 Benefit for the beneficiary that is typically tax-freeBenefits and features Two plan options to choose what age your premium payments will end – Paid-Up at Age 70 or Paid-Up at Age 100 Stand-alone spouse policy available whether or not you buy a policy for yourself Flexibility to keep the policy if you change jobs or retire Built-in terminal illness accelerated death benefit that provides up to 75% of the policy’s death benefit (up to $150,000) if you’re diagnosed with a terminal illness2 Immediate $3,000 claim payment that can help your designated beneficiary pay for funeral costs or other expenses Pays cash surrender value at age 100 (when the policy endows)WHOLE LIFE (IWL5000)HealthA airs.org, End-Of-Life Medical Spending In Last Twelve Months Of Life Is Lower Than Previously Reported, July 2017.Ta lk w it h y o ur b e n ef i ts co un s e lo r for information about what level of coverage would work best for you.In the U.S., medical spending in the last 12 months of life is nearly $80,000 per person.$
WHOLE LIFE Accelerated Death Benefit for Long Term Care Services Advances the base plan s death benefit in monthly indemnity payments to help pay for the qualified long term care services needed as a result of the insured s inability to perform at least two of the six activities of daily living ADLs for a period of at least 90 days or the insured s requiring substantial supervision due to severe cognitive impairment A written certification provided by a licensed health care practitioner must be provided The maximum benefit amount is equal to the policy death benefit less any indebtedness Claim payments are made monthly and are a percentage of the death benefit Rates are per thousand tobacco distinct and based on policy face amount and issue age The rider terminates on the first to occur base policy terminates or the date the death benefit is exhausted from long term care benefit payments A 90 day elimination period applies No benefits are payable for care or service received during this time There is a six month pre existing conditions limitation period The rider includes a built in Waiver of Premium due to payments of the long term care benefit which waives any monthly deductions on the policy when long term care benefits are being paid The rider may be added to employee or spouse Whole Life Plus plans It may also be added to a dependent student policy ages 18 26 It may only be added to policies at the point of initial sale The rider cannot be added to existing policies
Deductions per year: 26 These rates were prepared on 8/30/2024 and are valid for 90 days.Accident 1.0 for NCApplicable to policy forms ACCIDENT 1.0-HS and ACCIDENT1.0-NSlOn/Off-Job Accident CoverageISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILYBasic with health screening 17-80 $7.66 $10.58 $11.64 $14.57Individual Medical Bridge for NCApplicable to policy form Individual Medical Bridgel$1500 Hospital Confinement Benefit. Enhanced Intensive Care Unit Confinement benefitISSUE AGE EMPLOYEE EMPLOYEE AND SPOUSE EMPLOYEE AND DEPENDENTCHILDRENEMPLOYEE, SPOUSE ANDDEPENDENT CHILDREN17-49 $10.57 $20.10 $13.83 $23.3650-59 $14.03 $26.65 $17.28 $29.9160-64 $18.53 $35.19 $21.79 $38.4465-75 $27.04 $51.37 $30.62 $54.95Disability 1000 for NC AAA Risk ClassApplicable to policy form DIS1000lOff-Job Accident, Off-Job Sickness3 Month Benefit PeriodELIMINATION PERIOD ISSUE AGE $1,000* $1,200* $1,400* $1,600* $1,800**monthly benefit amount0 days Accident / 7 days Sickness 17-49 $12.00 $14.40 $16.80 $19.20 $21.6050-69 $14.31 $17.17 $20.03 $22.89 $25.750 days Accident / 14 days Sickness 17-49 $8.54 $10.25 $11.95 $13.66 $15.3750-69 $10.62 $12.74 $14.86 $16.98 $19.11Critical Illness 1.0 for NCApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $2.88 $4.38 $3.62 $5.1725-29 $3.81 $5.81 $4.54 $6.6030-34 $4.77 $7.29 $5.51 $8.0735-39 $6.21 $9.50 $6.94 $10.2940-44 $7.45 $11.40 $8.19 $12.1845-49 $9.71 $14.95 $10.50 $15.6950-54 $13.45 $20.67 $14.19 $21.4155-59 $16.54 $25.43 $17.33 $26.2160-64 $21.90 $33.64 $22.68 $34.4365-70 $26.01 $39.97 $26.84 $40.80Reliable ServicesPage 1 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 for Important Notice
Critical Illness 1.0 for NCApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitNon-Tobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$20,000 17-24 $4.77 $7.24 $6.25 $8.8125-29 $6.62 $10.10 $8.10 $11.6730-34 $8.56 $13.06 $10.04 $14.6335-39 $11.42 $17.49 $12.90 $19.0640-44 $13.91 $21.27 $15.39 $22.8445-49 $18.44 $28.38 $20.01 $29.8650-54 $25.91 $39.83 $27.39 $41.3055-59 $32.10 $49.34 $33.67 $50.9060-64 $42.81 $65.77 $44.37 $67.3465-70 $51.02 $78.41 $52.68 $80.07$30,000 17-24 $6.67 $10.10 $8.88 $12.4625-29 $9.44 $14.40 $11.65 $16.7530-34 $12.34 $18.83 $14.56 $21.1835-39 $16.64 $25.47 $18.85 $27.8340-44 $20.37 $31.15 $22.59 $33.5045-49 $27.16 $41.81 $29.51 $44.0350-54 $38.37 $58.98 $40.59 $61.2055-59 $47.65 $73.24 $50.01 $75.6060-64 $63.71 $97.89 $66.07 $100.2465-70 $76.04 $116.86 $78.53 $119.35$40,000 17-24 $8.56 $12.97 $11.51 $16.1025-29 $12.25 $18.69 $15.21 $21.8330-34 $16.13 $24.60 $19.08 $27.7435-39 $21.85 $33.46 $24.81 $36.6040-44 $26.84 $41.03 $29.79 $44.1745-49 $35.88 $55.24 $39.02 $58.2050-54 $50.84 $78.14 $53.79 $81.0955-59 $63.21 $97.15 $66.34 $100.2960-64 $84.62 $130.01 $87.76 $133.1565-70 $101.05 $155.30 $104.37 $158.63$50,000 17-24 $10.45 $15.83 $14.14 $19.7525-29 $15.07 $22.98 $18.76 $26.9030-34 $19.91 $30.37 $23.61 $34.2935-39 $27.07 $41.44 $30.76 $45.3740-44 $33.30 $50.90 $36.99 $54.8345-49 $44.61 $68.67 $48.53 $72.3750-54 $63.30 $97.29 $66.99 $100.9855-59 $78.76 $121.06 $82.68 $124.9860-64 $105.53 $162.14 $109.45 $166.0665-70 $126.07 $193.75 $130.22 $197.90Reliable Services(Continued...)Page 2 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 for Important Notice
Critical Illness 1.0 for NCApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$10,000 17-24 $3.67 $5.63 $4.45 $6.4125-29 $5.19 $7.98 $5.97 $8.7230-34 $7.08 $10.89 $7.87 $11.6735-39 $9.34 $14.35 $10.13 $15.1440-44 $11.70 $18.00 $12.48 $18.7845-49 $15.02 $23.12 $15.81 $23.8650-54 $20.42 $31.38 $21.21 $32.1755-59 $25.96 $39.87 $26.70 $40.6160-64 $33.11 $50.86 $33.90 $51.6465-70 $39.71 $61.01 $40.54 $61.84$20,000 17-24 $6.34 $9.74 $7.91 $11.3025-29 $9.39 $14.44 $10.96 $15.9230-34 $13.17 $20.26 $14.74 $21.8335-39 $17.70 $27.18 $19.27 $28.7540-44 $22.41 $34.47 $23.97 $36.0445-49 $29.05 $44.72 $30.62 $46.2050-54 $39.85 $61.24 $41.42 $62.8155-59 $50.93 $78.23 $52.41 $79.7060-64 $65.24 $100.20 $66.81 $101.7765-70 $78.44 $120.50 $80.10 $122.17$30,000 17-24 $9.02 $13.84 $11.37 $16.2025-29 $13.59 $20.90 $15.94 $23.1230-34 $19.27 $29.63 $21.62 $31.9835-39 $26.05 $40.01 $28.41 $42.3740-44 $33.11 $50.95 $35.47 $53.3045-49 $43.08 $66.32 $45.44 $68.5450-54 $59.28 $91.10 $61.64 $93.4655-59 $75.90 $116.58 $78.11 $118.8060-64 $97.36 $149.54 $99.71 $151.8965-70 $117.16 $180.00 $119.65 $182.49$40,000 17-24 $11.70 $17.95 $14.84 $21.0925-29 $17.79 $27.37 $20.93 $30.3230-34 $25.36 $39.00 $28.50 $42.1435-39 $34.41 $52.84 $37.54 $55.9840-44 $43.82 $67.43 $46.96 $70.5745-49 $57.11 $87.92 $60.25 $90.8750-54 $78.71 $120.97 $81.85 $124.1055-59 $100.87 $154.94 $103.82 $157.8960-64 $129.48 $198.87 $132.62 $202.0165-70 $155.88 $239.49 $159.21 $242.81Reliable Services(Continued...)Page 3 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 for Important Notice
Critical Illness 1.0 for NCApplicable to policy form CI-1.0lwith Subsequent Diagnosis Coverage, Health Screening Benefit, Cancer BenefitTobacco RatesISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE-PARENT FAMILY TWO-PARENT FAMILY$50,000 17-24 $14.37 $22.06 $18.30 $25.9825-29 $21.99 $33.83 $25.91 $37.5230-34 $31.45 $48.37 $35.37 $52.2935-39 $42.76 $65.67 $46.68 $69.6040-44 $54.53 $83.90 $58.45 $87.8345-49 $71.14 $109.52 $75.07 $113.2150-54 $98.14 $150.83 $102.07 $154.7555-59 $125.84 $193.29 $129.53 $196.9860-64 $161.61 $248.21 $165.53 $252.1465-70 $194.61 $298.98 $198.76 $303.14Term Life (ITL5000) for NCApplicable to policy form ITL5000l20-Year Term Base PlanNon-Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $3.10 $4.97 $4.87 $6.38 $7.8935 $3.55 $6.11 $5.35 $7.10 $8.8545 $4.47 $8.41 $10.06 $14.17 $18.2755 $8.34 $18.07 $21.39 $31.16 $40.9265 $18.93 $28.41 $54.96 $81.52 $108.08Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $4.84 $9.33 $8.41 $11.69 $14.9735 $5.41 $10.75 $9.52 $13.36 $17.2045 $7.34 $15.57 $20.99 $30.55 $40.1255 $15.66 $36.39 $48.95 $72.49 $96.0465 $32.38 $47.86 $93.87 $139.87 $185.88Whole Life Plus (IWL5000) for NCApplicable to policy forms ICC19-IWL5000-70/IWL5000-70,ICC19-IWL5000-100/IWL5000-100,ICC19-IWL5000J/IWL5000J and rider formsICC19-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,ICC23-IWL5000-LTC/IWL5000-LTClAdult Base Plan Paid-Up at Age 100, Accelerated Death Benefit for Long-Term Care ServicesNon-Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $4.34 $10.84 $21.67 $32.51 $43.35Reliable Services(Continued...)Page 4 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 for Important Notice
Whole Life Plus (IWL5000) for NCApplicable to policy forms ICC19-IWL5000-70/IWL5000-70,ICC19-IWL5000-100/IWL5000-100,ICC19-IWL5000J/IWL5000J and rider formsICC19-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,ICC23-IWL5000-LTC/IWL5000-LTClAdult Base Plan Paid-Up at Age 100, Accelerated Death Benefit for Long-Term Care ServicesNon-Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00035 $5.93 $14.81 $29.63 $44.45 $59.2745 $9.42 $23.54 $47.09 $70.64 $94.1955 $15.54 $38.83 $77.67 $116.50 $155.3465 $28.15 $70.39 $140.78 $211.18 $281.57Tobacco RatesISSUE AGE $10,000 $25,000 $50,000 $75,000 $100,00025 $7.51 $18.76 $37.52 $56.28 $75.0435 $9.17 $22.94 $45.89 $68.82 $91.7745 $13.68 $34.20 $68.40 $102.60 $136.8055 $23.23 $58.07 $116.14 $174.22 $232.3065 $40.31 $100.77 $201.55 $302.33 $403.10Important NoticeInsurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to anoutline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage maynot be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices.Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.© 2024 Colonial Life & Accident Insurance Company"Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved.Shelley Hartsell | Shelley.Hartsell@coloniallifesales.com | (704) 883-4838Reliable Services(Continued...)Page 5 of 5Underwritten by Colonial Life & Accident Insurance CompanySee page 5 for Important Notice
How to File a Claim for Colonial Life Benefits FOR FASTEST RESULTS FILE ONLINE 1 Go to ColonialLife com access to login or register 2 Fill out the required information and click Submit 3 Enjoy streamlined claims management and faster service online DIGITALLY FILE ALL TYPES OF CLAIMS Disability Insurance Accident Hospital Insurance Life Insurance Critical Illness Cancer Insurance Wellness benefits for screening tests Not sure which type of claim to file No problem Just answer a few questions on the portal and we ll help you figure everything out BEFORE YOU FILE Review the appropriate claims checklist at ColonialLife com and have this information handy to make the process go smoothly Proper documentation must be submitted when filing your claim AFTER YOU FILE Check your claim status and manage your claim by logging into your account at ColonialLife com access Live chat is also available 9 a m 5 p m EST OTHER WAYS TO FILE A CLAIM Fax 1 800 880 9325 Mail P O Box 100195 Columbia SC 29202 Colonial Life is committed to providing you our valued customer a market leading claims experience We look forward to serving you on ColonialLife com On the policyholder portal you can View benefit details Here you ll find a copy of your policy to see what s covered and benefit amounts Track your claim Log in anytime to view status or opt in to receive status alerts by email or text so you know instantly if we require additional information Sign up for direct deposit to get approved payments up to a week faster than paper check Colonial Life 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 ADR 1312251
Thank you Shelley Hartsell Benefit Specialist 704 883 4838 Shelley Hartsell ColonialLifeSales com Melissa Sward Benefits Specialist 704 998 7553 Melissa sward swardinsurance com