Employee Benefits - Colonial Supplemental Insurance

Colonial Life & Accident Insurance Company is a market leader in benefits communication, enrollment and customer service, providing supplemental insurance to employees and their families at the worksite. For people whose insurance plans leave them feeling vulnerable, Colonial can help restore peace of mind through supplemental insurance products that complete their coverage. Headquartered in Columbia, S.C, and founded in 1939, Colonial offers a broad line of insurance products including disability, accident, life, cancer, critical illness and hospital confinement. Coverage that helps you prepare for what happens next.

Supplemental insurance can help you prepare for these and other out-of-pocket expenses. Most of all, these plans help take the worry away about how you will pay your out-of-pocket medical and other everyday life bills. Without this worry, you can focus on getting better.

Colonial supplemental insurance is offered at the worksite (through your employer) and features convenient payroll deduction for premium payments. Plus, many plans can be purchased through a flexible benefits plan allowing you to pay for valuable Colonial coverage with pretax dollars.

Colonial coverage is flexible so that you can tailor your supplemental coverage to help meet your individual needs. With the help of Colonial’s experienced sales representatives, you can choose the coverage that is most appropriate for the needs of you and your family. Colonial offers the supplemental insurance plans listed below.

• Educator Income Plan includes:
  
  Disability Insurance
  Replaces a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness.  This is a 12-month plan with higher benefits being paid the first 3 months.  This plan pays in addition to any other insurance you have, including Workers’ Compensation. Benefits are paid directly to the insured.
  
  

Hospital Confinement Insurance
Provides a lump-sum benefit for a covered hospital confinement and a covered outpatient surgery to help offset the gaps caused by co-payments and deductibles that are not covered by most major medical plans.

Accident Insurance
Helps offset the unexpected medical expenses, such as emergency room fees, deductibles and co-payments, that can result from a fracture, dislocation or other covered accidental injury.

Premiums are established on an individual basis.  However, you may add your spouse for $6.50 and all children for $7.50 per month.

Colonial Educator Income Plan

• Life Insurance
  
  
• Critical Illness Insurance
  
  
• Cancer
  Helps offset the out-of-pocket medical and indirect non-medical expenses related to cancer that most medical plans don’t cover. This coverage also provides a benefit for specified cancer-screening tests.
  
  

  Premiums are:
  Individual	$35.50
  One-Parent Family	$39.50
  Two-Parent Family	$58.50

Cancer Benefit Chart and Outline of Coverage