Voluntary Benefits
We provide a full selection of employee-paid coverage through Colonial Life, a leader in voluntary benefits for more than 80 years.
Voluntary Benefits Plans
Voluntary benefits enable you to be more competitive in recruiting, and better retain your employees, while helping them fill gaps in coverage. These plans are payroll-deducted with no cost to the employer, which can save you money while expanding your total benefits offering.
Most voluntary benefits are:
- Paid directly to the employee
- Very affordable
- Portable where the employee can keep them if they change jobs, or retire
- Paid regardless of any insurance that employee may have with other insurance companies
- Available for the employee, spouse and dependent children
Hospital Confinement
Provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery. Helps with co-payments and deductibles that are not covered by most medical plans.
Accident Insurance
Helps offset unexpected medical expenses that can result from a covered accidental injury. Provides worldwide coverage.
Cancer Insurance
Helps offset high, covered, out-of-pocket expenses related to cancer.
Critical Illness
Can supplement your major medical coverage by providing a lump-sum benefit you can use to pay costs related to a covered critical illness like heart attack or stroke.
Term and Whole Life Insurance
Term Life: Offers a predictable way to provide more coverage at more affordable prices during high-need years.
Whole Life: Provides long-term protection that can build cash value.
Short Term Disability
Acts as insurance on the employee’s paycheck. Replaces a portion of their income if they become disabled due to a covered accidental injury or covered sickness.
Vision Insurance
Low co-payments of $10 for exams; 25% for materials. Access to a national vision network with more than 40,000 access points, including independent professionals and retail stores.
Dental Insurance
Gives you the freedom to see an extensive network of in-network dentists. Covers a variety of procedures from routine cleanings and X-rays to more advanced procedures. No annual renewal rate changes, and guaranteed renewable until age 75.
Pet Insurance
Protection for every member of the family. Customizable coverage for pets that help cover unexpected and costly visits to the vet.
Other Insurance Plans
Group Insurance
We’ll advise you in selecting the right mix of insurance plans to cover your employees and their family’s needs.
Life Insurance
Proper coverage can provide the financial protection and stability to help families and loved ones overcome catastrophic events.
Healthcare Marketplace (Obamacare)
Apply to plans even if you’re self-employed, unemployed or have pre-existing conditions.
Offer a little extra to your employees
Find out how Voluntary Benefits can make you a more competitve employer.