2017 employee benefit booklet - warrencountyschools.org
TRANSCRIPT
2017 Employee Benefit Booklet Presented By:
Discover which benefits are right for you - at Youville®
The right benefits can help provide financial protection during challenging times. But how do you determine which options best fit your life?
Youville is an online resource that helps you quickly become more knowledgeable about your employee benefits.
The website enables you to:
Access information on financial protection.
View personalized benefit recommendations.
Learn about insurance terms.
Find out about changing needs at different life stages.
Sign up for The Youville Reporter for tipsabout health and financial protection.
A better 1-to-1 benefits session
Click on “Visit Youville” to complete a brief questionnaire for recommended benefit needs.
Print out your personal benefit recommendations and summary.
Take the printout with you to a 1-to-1 session with your Colonial Life benefits counselor.
You’ll be more informed about the benefit options that can help protect what you’ve worked so hard to build.
©2014 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. 12-14 | 100990-1
protection.
Visityouville.com/WarrenCountyBOEReview your benefits at:
6
Legal Plan – covers you, your spouse or domestic partner, never-‐married children under age 26 living at home,dependent children under age 18 for whom the member is the legal guardian, never married dependent children who are full-‐time college students up to age 26, and physically or mentally disabled children living at home.
Advice & Consultation Document Preparation
Toll-‐free phone consultations with your Will preparation and annual reviews and updates Provider Law Firm for any personal legal for covered members; Matter, even on pre-‐existing conditions. Other documents available: Living Will, Heath Care
Power of Attorney.
Letters and Phone Calls on Your Behalf Contract and Document Reviews
24/7 Emergency Assistance-‐ Residential Loan Document Assistance After-‐hours legal consultation for covered Mortgage documents (as required of the borrower Legal emergencies. Specific coverage depends by the lending institution) prepared for the purchase On plan. Emergencies include: arrest, seriously of your primary residence. Injured or served a warrant.
Family Matters (family plan only) Auto
IRS Additional Benefits -‐ -‐Preferred Member Discounts
Everyone deserves legal protection. LegalShield is creating a world where everyone can access legal protection -‐ -‐ -‐ and everyone can afford it. You will have access to a quality law firm 24/7, for covered personal situations.
Identity Theft Plan – covers you, your spouse or domestic partner, and up to 8 dependents under the age of 18.Your identity is personal. Keep it that way. Identity theft affects millions of Americans each year. And while it can take just minutes to happen, recovering from the financial damage and emotional toll it inflicts often takes years. Identity Shield equips you with the information and expertise you need to help prevent theft and resolve issues related to identity theft.
Credit Report and Personal Credit Score Continuous Monitoring with Safety Alerts
Identity Consultation and Restoration Services Safeguard for Minors
Per Pay Rates: Legal Only: Single Unmarried = 8.48 Family = 9.48
Per Pay Rates: ID Shield Only: Single Unmarried = 4.48 Family = 9.48
Single Bundle Rate = 12.96 Family Bundle Rate = 16.96 **Save $4 per month for bundle
Vision Care Services In-Network Member BenefitsOut-of-Network
Reimbursement
Eye Examination Covered in full Up to
Materials:
Frame Allowance*** Members receive a wholesale allowance
retail value**
Up to
Standard Spectacle Lenses
Single Vision
Bifocal
Trifocal
Lenticular
Covered in full
Covered in full
Covered in full
Covered in full
Up to
Up to
Up to
Up to
Other Lens Options*
Contact Lenses
(in lieu of frame and spectacle lenses)
Elective
Medically Necessary Covered in full
Refractive Laser Surgery Provider discount up to 25%
Frequency
Eye Examination Once every Once every
Lenses or contact lenses Once every Once every
Frame Once every Once every
E#ective Date:
An In-Depth Look...
**
***
Here’s how it works...
Select a
provider
Make an
appointmentVisit provider
for service
Pay any copays
or additional
expenses
1 2 3 4
Monday through Friday, 7AM to 8PM (EST) at 1-800-828-9341 to receive a listing of providers in your area.
How can we help you?
Avēsis Website:
www.avesis.com
Customer Service:
1-800-828-9341
7AM - 8PM EST
LASIK Provider:
1-877-712-2010
Group Number:
Plan Number:
Reliable & Dependable
Avēsis is a national leader in
providing exceptional vision
care benefits for millions
of commercial members
throughout the country.
The Avēsis vision care
products provide our
members with an easy-to-
use wellness benefit that
provides excellent value
and protection.
(Materials copay applies to frame or spectacle lenses, if applicable.)
4/1/2016
30790-1436
933NC
Warren County Schools
after $10
$15 copayment
$35.00
$50 $45.00
$100 - $150
$25.00
$40.00
$50.00
$80.00
Covered up to $50, plus 20% off retail Up to $40.00Standard Progressives
Bi-Monthly Employee Paid Rates
Employee $3.50
Employee + Spouse
Lens Options are discounted up to 20% off retail
$6.44
Employee + Child(ren) $6.49
Employee + Family $9.11
$130 allowance $130.00
$250.00
One-time/lifetime allowance of $150
12 Months
$150.00
12 Months
12 Months 12 Months
24 Months 24 Months
Values provided may be more or less depending on the providers retail pricing.
Provider wholesale frame pricing for your plan is $50. Participating Walmart locations cover frames up to a $68 retail value.
Underwritten by: Fidelity Security Life Insurance Company, Kansas City, MO Policy #: VC-16, Form M-9059
Using Out-of-Network Providers
administrator or by visiting www.avesis.com.
Limitations and Exclusions
Limitations:
1) Orthoptics or vision training;
2) Subnormal vision aids and any supplemental testing, aniseikonic lenses;
3) Plano (non-prescription) lenses, sunglasses;
4) Two pair of glasses in lieu of bifocal lenses;
5) Any medical or surgical treatment of eye or supporting structures;
8) Services or materials provided as a result of Workers Compensation Law, or similar legislation, required by any governmental agency whether
Federal, State or subdivision thereof.
2) Medical or surgical procedures, services or treatments:
b. provided free of charge in the absence of insurance
d. payable under governmental plan or program whether Federal, state or subdivisions thereof.
Notes and Disclaimers
The contact lens allowance may be used all at once or throughout the plan year as needed or may be applied toward contact lenses only, or both contact
Termination Provisions
BS-EM
VISION BENEFITS ON THE GO.
AVESIS E-SSENTIALS
OUR NEW MOBILE APP:
www.avesis.com
—
•
•
•
•
•
•
Available for download on:
DIAGNOSTIC SERVICESExaminations Periodic, limited, comprehensive, periodontalRadiographs (x-rays) Complete series (full mouth x-rays) Panoramic films Single x-ray(s) Cavity checking Cephalometric film
Other procedures Pulp vitality tests Diagnostic casts Oral/facial images
PREVENTIVE SERVICESRoutine teeth cleaningFluoride applications (adult or children)Sealants (under 15 years of age, permanent molar teeth only)Space maintainers (under 13 years of age, not orthodontic retainers) Fixed, unilateral, and bilateral Removable, bilateral Recementation
RESTORATIVESilver fillings Primary teeth Permanent teethWhite fillings Anterior teeth Posterior teeth
ENDODONTICSRoot canal therapy Anteriors Premolars Molars Retreatment
ORAL SURGERYExtractions Routine removals or exposed roots
Contact your agent or administrator for your annual maxiumum benefits.
RESTORATIVEInlay/Onlay (gold & porcelain)Crowns (single tooth) Porcelain/ceramic Full cast ¾ cast Prefabricated stainless steel RecementationOther restorative services Temporary filling Crown buildup including pins Pin retention Post & core Labial veneers (anterior teeth)
ENDODONTICSVital pulpotomy (primary teeth only)Pulp therapy (primary teeth only)ApexificationApicoectomyRetrograde fillingRoot amputationHemisectionPreparation for post
PERIODONTICSGingivectomy, per quadrantCrown lengthening
Osseous surgerySoft tissue graftsDistal or proximal wedgeScaling and root planingFull mouth debridementPeriodontal maintenance
PROSTHODONTICSRemovable Complete/Immediate dentures Partial dentures All acrylic Metal framework, acrylic saddles Repairs Reline Tissue conditioningFixed bridgework Bridge pontics & retainers Resin bonded (Maryland) bridge Recementation Post & core Cast coping
IMPLANT SUPPORTED PROSTHETICS
Removable dentures, abutment supportedCrowns, abutment supported (single tooth) Porcelain/ceramic
Cast metalFixed bridgework, abutment supported Porcelain/ceramic Cast metal ORAL SURGERYExtractions Surgical removals ImpactionsNatural tooth reimplantationSurgical exposure of unerupted toothBiopsy, soft tissueIncision and drainage of abscess (intraoral)FrenectomyExcise hyperplastic tissue (removal of excess gum tissue)Alveoloplasty (smoothing of bone)
ADJUNCTIVE SERVICESPalliative emergency treatmentAnesthesia General anesthesia Intravenous sedation Analgesia (nitrous oxide)Athletic mouth guardsBleaching (anterior teeth, supervised in office)
Health Resources Inc. Dental Health Option 3
Plan 3B Rates
Employee Only $13. per pay
Employee + Spouse $32. per pay
Employee + Children $3 per pay
Employee + Family $49. per pay
Warren Co SchoolsDental Rates
2017
Plan Rates
Employee Only $3.50 per pay
Employee + Spouse $6.44 per pay
Employee + Children $6.49 per pay
Employee + Family $9.11 per pay
Warren Co SchoolsVision Rates
2017
Group Short-Term Disability
How long can you afford to go without a paycheck?
Short Term Disability provides income replacement to help make ends
meet if you become disabled from a covered accident or sickness.
Short Term Disability Benefits: NEW OPTIONS AVAILABLE
� 60% of your weekly earnings.
� Benefits Paid In Addition to sick pay compensation.
� 3 Benefit Options- (NEW OPTIONS ADDED TO BENEFIT MENU)
a. Elimination Period 1/8 (Accident/Sickness); pays up to 13 weeks.
b. Elimination Period 8/15 (Accident/Sickness); pays up to 12 weeks.
c. Elimination Period 30/30 (Accident/Sickness); pays up to 9 weeks.
*Options B & C available with no health questions.
*Pre-Existing Condition Limitation: 6/6/12 Treatment Free/Lookback/Continuously
Insured.
*Employees with existing disability coverage may be subject to the pre-existing condition
limitation.
GroupLongTermDisability
Helpgiveyourpaychecktheprotectionthatlifemay
notprovide!
Everysecond,adisablinginjurychangessomeone’slife.Accidents
arenottheonlycauseofadisability.Backpain,heartdiseaseand
otherillnessesarethereasonsforamajorityoflong-term
absencesandcanhappentoanyone.
Whateverthecause,adisabilitycanmeanmonthsoutofwork,
withoutapaycheck.ButwithLong-TermDisabilityInsurance
youcanprotectyourincomeandcontinuetoprovideforyourself
andyourlovedones.
LongTermDisabilityBene"its:
� $%%ofyourcurrentsalaryupto'$%%%monthly.
� (%-dayelimination(orwaiting)period.
� MinimumMonthlyBene"it-Greaterof'-%%or-%%of
income.
*Pre-ExistingConditionLimitation:�/�/��TreatmentFree/Lookback/Continuously
Insured
Group Term Life
With Accidental Death & Dismemberment
A sudden death or accident can change everything. Life insurance with
Accidental Death and Dismemberment (AD&D) insurance helps keep you
covered in case an untimely death or accident destroys your income-earning
ability.
Supplemental Employee Life & AD&D
� Increments of $10,000, subject to a maximum of 5 x salary.
� Amount available up to $200,000.
� Portability/Convertibility Options available when employment ends.
Supplemental Spouse Life & AD&D
� Increments of $5,000 to a maximum of $50,000.
� Spouse Guarantee Issue - $50,000.
� Portability/Convertibility Options available when employment ends.
Dependent Child(ren) Life Coverage
� $10,000 benefit available for each dependent child.
* Employee required to take coverage in order for spouse and child(ren) to qualify for coverage. *Spouse coverage cannot exceed the employee coverage amount up to $50,000. *Dependent child guidelines to age 18 unless:
• Full – Time Student
• Unmarried and • Partially or wholly dependent on covered parent for support
*Benefits available to New Employees without Underwriting.
19
Accident Insurance
Accidents 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?
Sports-related accidental injury
Broken bone
Burn
Concussion
Laceration
Back or knee injuries
Colonial Life’s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benefit 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 financial security.
Car accidents
Falls & spills
Dislocation
Accidental injuries that send you to the emergency room, urgent care or doctor’s office
Acc
ide
nt
1.0
-Pre
ferr
ed
wit
h H
ea
lth
Scr
ee
nin
g B
en
efi
t-K
Y
What additional features are included?
Worldwide coverage
Portable
Compliant with Health Savings Account (HSA) guidelines
Will my accident claim payment be reduced if I have other insurance?You’re paid regardless of any other insurance you may have with other insurance companies, and the benefits 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 file a claim?
Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.
20
Your Colonial Life policy also provides benefits for the following injuries received as a result of a covered accident.
Burn (based on size and degree) ....................................................................................$1,000 to $12,000
Coma .............................................................................................................................................................$10,000
Concussion .........................................................................................................................................................$60
Emergency Dental Work .......................................$75 Extraction, $300 Crown, Implant, or Denture
Lacerations (based on size) ...........................................................................................................$30 to $500
Requires Surgery Eye Injury ...........................................................................................................................................................$300
Tendon/Ligament/Rotator Cuff ..........................................................$500 - one, $1,000 - two or more
Ruptured Disc ..................................................................................................................................................$500
Torn Knee Cartilage .......................................................................................................................................$500
Surgical Care Surgery (cranial, open abdominal or thoracic) ................................................................................ $1,500
Surgery (hernia) ..............................................................................................................................................$150
Surgery (arthroscopic or exploratory) ....................................................................................................$200
Blood/Plasma/Platelets ................................................................................................................................$300
Benefits listed are for each covered person per covered accident unless otherwise specified.
Initial Care
Accident Emergency Treatment........... $125 Ambulance .......................................$200
X-ray Benefit ...................................................$30 Air Ambulance ............................. $2,000
Common Accidental Injuries
Dislocations (Separated Joint) Non-Surgical Surgical
Hip $2,200 $4,400
Knee (except patella) $1,100 $2,200
Ankle – Bone or Bones of the Foot (other than Toes) $880 $1,760
Collarbone (Sternoclavicular) $550 $1,100
Lower Jaw, Shoulder, Elbow, Wrist $330 $660
Bone or Bones of the Hand $330 $660
Collarbone (Acromioclavicular and Separation) $110 $220
One Toe or Finger $110 $220
Fractures Non-Surgical Surgical
Depressed Skull $2,750 $5,500
Non-Depressed Skull $1,100 $2,200
Hip, Thigh $1,650 $3,300
Body of Vertebrae, Pelvis, Leg $825 $1,650
Bones of Face or Nose (except mandible or maxilla) $385 $770
Upper Jaw, Maxilla $385 $770
Upper Arm between Elbow and Shoulder $385 $770
Lower Jaw, Mandible, Kneecap, Ankle, Foot $330 $660
Shoulder Blade, Collarbone, Vertebral Process $330 $660
Forearm, Wrist, Hand $330 $660
Rib $275 $550
Coccyx $220 $440
Finger, Toe $110 $220
21
Transportation/Lodging Assistance
If injured, covered person must travel more than 50 miles from residence to receive special treatment and confinement in a hospital.
Transportation .............................................................................$500 per round trip up to 3 round trips
Lodging (family member or companion) ...............................................$125 per night up to 30 days for a hotel/motel lodging costs
Accident Hospital Care Hospital Admission* ........................................................................................................ $1,250 per accident
Hospital ICU Admission* ................................................................................................ $2,500 per accident
* We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.
Hospital Confinement ......................................................... $250 per day up to 365 days per accident
Hospital ICU Confinement ...................................................$500 per day up to 15 days per accident
Accident Follow-Up Care Accident Follow-Up Doctor Visit .......................................................... $50 (up to 3 visits per accident)
Medical Imaging Study ......................................................................................................$150 per accident (limit 1 per covered accident and 1 per calendar year)
Occupational or Physical Therapy ..................................................... $25 per treatment up to 10 days
Appliances .......................................................................................... $100 (such as wheelchair, crutches)
Prosthetic Devices/Artificial Limb .................................................. $500 – one, $1,000 – more than 1
Rehabilitation Unit .................................................$100 per day up to 15 days per covered accident, and 30 days per calendar year.
Maximum of 30 days per calendar year
Accidental Dismemberment Loss of Finger/Toe .................................................................................$750 – one, $1,500 – two or more
Loss or Loss of Use of Hand/Foot/Sight of Eye .....................$7,500 – one, $15,000 – two or more
Catastrophic Accident
For severe injuries that result in the total and irrecoverable:
Loss of one hand and one foot Loss of the sight of both eyes
Loss of both hands or both feet Loss of the hearing of both ears
Loss or loss of use of one arm and one leg or Loss of the ability to speak
Loss or loss of use of both arms or both legs
Named Insured ................ $25,000 Spouse ..............$25,000 Child(ren) .........$12,500
365-day elimination period. Amounts reduced for covered persons age 65 and over.
Payable once per lifetime for each covered person.
Accidental Death
Accidental Death Common Carrier
Named Insured $50,000 $100,000
Spouse $50,000 $100,000
Child(ren) $10,000 $20,000
22 10-14 | 74542-3
Accid
en
t 1.0
-Pre
ferre
d w
ith H
ea
lth S
cree
nin
g B
en
efi
t-KY
Colonial Life
1200 Colonial Life BoulevardColumbia, South Carolina 29210
coloniallife.com
©2014 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.
Health Screening Benefit $50 per covered person per calendar year
Provides a benefit if the covered person has one of the health screening tests performed. This benefit is payable once per calendar year per person and is subject to a 30-day waiting period.
Tests include:
Blood test for triglycerides
Bone marrow testing
Breast ultrasound
CA 15-3 (blood test for breast cancer)
CA125 (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 to determine level of HDL and LDL
Serum protein electrophoresis (blood test for myeloma)
Stress test on a bicycle or treadmill
Skin cancer biopsy
Thermography
ThinPrep pap test
Virtual colonoscopy
My Coverage Worksheet (For use with your Colonial Life benefits counselor)
Who will be covered? (check one)
Employee Only Spouse Only One Child Only Employee & Spouse
One-Parent Family, with Employee One-Parent Family, with Spouse Two-Parent Family
When are covered accident benefits available? (check one)
On and Off -Job Benefits Off -Job Only Benefits
We will not pay benefits for losses that are caused by or are the result of: hazardous avocations; felonies or illegal occupations; racing; semi-professional or professional sports; sickness; suicide or self-inflicted injuries; war or armed conflict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benefit for injuries that are caused by or are the result of: birth; intoxication.
For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form Accident 1.0-HS-KY. This is not an insurance contract and only the actual policy provisions will control.
23
For more information, talk with your
benefits counselor.
Group Hospital Confinement Indemnity InsurancePlan 3
GROUP MEDICAL BRIDGE – PLAN 3
Group 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 year
Emergency room visit benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$150 per dayMaximum of one day per covered person per calendar year
Diagnostic procedure benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$_______________ per dayMaximum of one day per covered person per calendar year
Outpatient surgical procedure benefit � Tier 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $_______________ per day
� Tier 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $_______________ per day
Maximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedure
Diagnostic 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– Cystoscopy
1,000
500
500
1,000
1,500
24
EXCLUSIONS We will not pay benefits for losses which are caused by: intoxicants, narcotics and hallucinogenics, dental procedures, elective procedures, cosmetic surgery, felonies or illegal occupations, pregnancy of a dependent child, psychiatric or psychological conditions, suicide, intentional injuries, war, armed forces service or giving birth within the first nine months after the certificate effective date. 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 after the effective 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 effective date.
For cost and complete details, see your Colonial Life benefits counselor. Applicable to certificate number GMB1.0-C-KY-R. This is not an insurance contract and only the actual certificate provisions will control.
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 | 100026-2-KY
� 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 with
internal fixation)– Removal or implantation of cartilage– Tendon/ligament repair
� Thyroid– Excision of a mass
The 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 grafting
� 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 lesion
26
Specified Critical Illness
Insurance
How will you pay for what your health insurance won’t?Even those of us who plan for the unexpected with life, disability and health insurance may discover that some expenses can still remain unpaid. Without adequate protection, sufferers of critical illnesses might
have to pull from their savings or rely on other financial sources in their time of need.
Specified Disease Insurance helps fill the gaps in your health insurance.
With Colonial Life’s Specified Critical Illness Insurance, you’re paid a benefit that can help you cover:
Deductibles, co-pays and co-insurance of your health insurance
Home health care needs and household modifications
Travel expenses to and from treatment centers
Lost income
Rehabilitation
Child care expenses
Everyday living expenses
You’re free to use the benefit however you choose.
And coverage is available for you and your eligible family members.
Covered Specified Critical Illnesses
For this illness…We will pay this percentage
of the face amount:
Heart Attack (Myocardial Infarction) 100%
Stroke 100%
Major Organ Failure 100%
End Stage Renal (Kidney) 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 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.
Cri
tic
al
Illn
ess
1.0
wit
h H
ea
lth
Sc
ree
nin
g a
nd
Su
bse
qu
en
t D
iag
no
sis
27
Colonial Life
1200 Colonial Life Boulevard
Columbia, South Carolina 29210
coloniallife.com
5/11
©2011 Colonial Life & Accident Insurance Company.
Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.
Colonial Life and Making benefits count are registered service marks of Colonial Life & Accident Insurance Company.
You can use this coverage more than onceSubsequent Diagnosis…
of a different Specified Critical Illness
If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with a different Specified
Critical Illness, we will pay the percentage of the original face amount.
Subsequent Diagnosis…
of the same Specified Critical Illness
If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with the same Specified Critical Illness (except those listed below), we will pay 25% of the original face amount. (Critical illnesses that do not qualify are: Coronary Artery Bypass Graft Surgery and Occupational Infectious HIV or Occupational Infectious Hepatitis B, C or D.)
Dates of Diagnoses of Specified Critical Illnesses must be separated by at least 180 days.
Health Screening BenefitNew technology can help improve your chances of surviving a serious illness through early detection and
treatment. We will pay this benefit if any covered person incurs a charge for and has any of the following
screening tests performed while your policy is in force.
Stress test on a bicycle or treadmill
Serum cholesterol test to determine levels of HDL and LDL
Carotid doppler
Electrocardiogram (ECG/EKG)
Echocardiogram (ECHO)
Chest x-ray
Colonoscopy
Mammography
Pap smear
PSA (blood test for prostate cancer)
24 tests included – No Lifetime Limit
This policy has exclusions and limitations. Premium will vary based on plan chosen. This is not an insurance contract and
only the actual policy provisions will control. For cost and complete details of the coverage, see your Colonial Life benefits
counselor. Applicable to policy form CI-1.0 or CI-1.0-PL6 (including state abbreviations where used,such as CI-1.0-TX).
71760-2
Cri
tic
al
Illn
ess
1.0
wit
h H
ea
lth
Sc
ree
nin
g a
nd
Su
bse
qu
en
t D
iag
no
sis
$50 per covered persion per calendar year.
2828
Cancer Insurance
How would cancer impact your way of life?Hopefully, you and your family will never face cancer. If you do, a financial safety net can help you and your loved ones focus on what matters most — recovery.
If you were diagnosed with cancer, you could have expenses that medical insurance doesn’t cover. In addition to your regular, ongoing bills, you could have indirect treatment and recovery costs, such as child care and home health care services.
Help when you need it mostCancer coverage from Colonial Life & Accident Insurance Company can help protect the lifestyle you’ve worked so hard to build. It provides benefits you can use to help cover:
■ Loss of income
■ Out-of-network treatment
■ Lodging and meals
■ Deductibles and co-pays
CANCER ASSIST
29
Paul and Kim were preparing for their second child when they learned Paul had cancer. They quickly realized their medical insurance wouldn’t cover everything. Thankfully, Kim’s job enabled her to have a cancer insurance policy on Paul to help them with expenses.
Paul’s wellness benefit helped pay for the screening that discovered his cancer.
When the couple traveled several hundred miles from their home to a top cancer hospital, they used the policy’s lodging and transportation benefits to help with expenses.
The policy’s benefits helped with deductibles and co-pays related to Paul’s surgery and hospital stay.
SURGERY SECOND OPINION DOCTOR’S SCREENING
Wellness benefit Travel expenses Out-of-pocket costs
One family’s journey
With cancer insurance:■ Coverage options are available for you
and your eligible dependents.
■ Benefits are paid directly to you, unless you specify otherwise.
■ You’re paid regardless of any insuranceyou may have with other companies.
■ You can take coverage with you, even if you change jobs or retire.
American Cancer Society, Cancer Facts & Figures, 2013
For illustrative purposes only
ONLY of ALLCANCERSare hereditary.
30
Paul has been cancer-free for more than four years. His cancer policy provides a benefit for periodic scans to help ensure the cancer stays in check.
Paul used his plan’s benefits to help pay for experimental treatments not covered by his medical insurance.
TREATMENT RECOVERY
Experimental care Follow-up evaluations
Our cancer insurance offers more than 30 benefits that can help you with costs that may not be covered by your medical insurance.
Treatment benefits (inpatient or outpatient)
■ Radiation/chemotherapy
■ Anti-nausea medication
■ Medical imaging studies
■ Supportive or protective care drugs and colony stimulating factors
■ Second medical opinion
■ Blood/plasma/platelets/immunoglobulins
■ Bone marrow or peripheral stem cell donation
■ Bone marrow or peripheral stem cell transplant
■ Egg(s) extraction or harvesting/sperm collection and storage
■ Experimental treatment
■ Hair/external breast/voicebox prosthesis
■ Home health care services
■ Hospice (initial or daily care)
Surgery benefits■ Surgical procedures
■ Anesthesia
■ Reconstructive surgery
■ Outpatient surgical center
■ Prosthetic device/artificial limb
Travel benefits■ Transportation
■ Companion transportation
■ Lodging
Inpatient benefits■ Hospital confinement
■ Private full-time nursing services
■ Skilled nursing care facility
■ Ambulance
■ Air ambulance
Additional benefits■ Family care
■ Cancer vaccine
■ Bone marrow donor screening
■ Skin cancer initial diagnosis
■ Waiver of premiumAmerican Cancer Society, Cancer Facts & Figures, 2013
LIFETIME RISK OF DEVELOPING CANCER
MEN1 in 2
WOMEN1 in 3
Cancer insurance provides benefits to help with cancer expenses — from diagnosis to recovery.
3131
ColonialLife.com
WAITING PERIODThe policy and its riders may have a waiting period. Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable. If your cancer has a date of diagnosis before the end of the waiting period, coverage for that cancer will apply only to losses commencing after the policy has been in force for two years, unless it is excluded by name or specific description in the policy.
EXCLUSIONSWe will not pay benefits for cancer or skin cancer:
■ If the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions; or
■ For other conditions or diseases, except losses due directly from cancer.
The policy and its riders may have additional exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Applicable to policy form CanAssist and rider forms R-CanAssistIndx, R-CanAssistProg and R-CanAssistSpDis (including state abbreviations where applicable, for example: CanAssist-TX).
Optional ridersFor an additional cost, you may have the option of purchasing additional riders for even more financial protection against cancer. Talk with your benefits counselor to find out which of these riders are available for you to purchase.
■ Initial diagnosis of cancer rider — Pays a one-time, lump-sum benefit for the initial diagnosis of cancer. You may choose a benefit amount in $1,000 increments between $1,000 and $10,000. If your dependent child is diagnosed with cancer, we will pay two and a half times ($2,500 - $25,000) the chosen benefit amount.
■ Initial diagnosis of cancer progressive payment rider — Provides a lump-sum payment of $50 for each month the rider has been in forceafter the waiting period and before cancer is first diagnosed.
■ Specified disease hospital confinement rider — Pays $300 per day if you or a covered family member is confined to a hospital for treatment for one of the 34 specified diseases covered under the rider.
If cancer impacts your life, you should be able to focus on getting better — not on how you’ll pay your bills. Talk with your Colonial Life benefits counselor about how cancer insurance can help provide financial security for you and your family.
4-15 | 101481-1
©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.
32
For more information, talk with your
benefits counselor.
To encourage early detection,our cancer insurance offers benefits for wellness and health screening tests.
Part one: Cancer wellness/health screening $100Provided when one of the tests listed below is performed after the waiting period and while the policy is in force. Payable once per calendar year, per covered person.
Cancer wellness tests■ Bone marrow testing■ Breast ultrasound■ CA 15-3 (blood test for breast cancer)■ CA 125 (blood test for ovarian cancer)■ CEA (blood test for colon cancer)■ Chest X-ray■ Colonoscopy■ Flexible sigmoidoscopy■ Hemoccult stool analysis■ Mammography■ Pap smear■ PSA (blood test for prostate cancer)■ Serum protein electrophoresis
(blood test for myeloma)■ Skin biopsy■ Thermography■ ThinPrep pap test■ Virtual colonoscopy
Part two: Cancer wellness — additional invasive diagnostic test or surgical procedureProvided when a doctor performs a diagnostic test or surgical procedure after the waiting period as the result of an abnormal result from one of the covered cancer wellness tests in part one. We will pay the benefit regardless of the test results. Payable once per calendar year, per covered person.
Health screening tests■ Blood test for triglycerides■ Carotid Doppler■ Echocardiogram (ECHO)■ Electrocardiogram (EKG, ECG)■ Fasting blood glucose test■ Serum cholesterol test for HDL
and LDL levels■ Stress test on a bicycle or treadmill
Cancer InsuranceWellness Benefits
Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable.
The policy has exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Applicable to policy form CanAssist (and state abbreviations where applicable, for example: CanAssist-TX).
©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.
CANCER ASSIST WELLNESS | 3-15 | 101486-1
33
Universal Life Insurance
Our Universal Life 1000 plan offers two types of
important financial protection in a single product.
The policy’s tax-free death benefit can help cover final expenses and provide financial security for a family’s future expenses, while optional riders give employees flexibility to use their death benefit for covered long-term care expenses. It’s a creative coverage solution from an industry leader with 75 years of experience helping America’s workers preserve and protect what they’ve worked so hard to build.
Talk with your Colonial Life representative to learn more about this creative coverage solution.
UNIVERSAL LIFE 1000
© 2014 Colonial Life & Accident Insurance Company Colonial Life insurance products are underwritten by
Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.
6-14 | 70048-5
Li
Flexible use of death benefit (optional riders available at an additional cost)
Long-term care benefit rider draws down the death benefit to help pay covered long-term care expenses*
Restoration of benefits rider restores the death benefit as it’s used forlong-term care claims
Attractive underwriting
Unlimited maximum face amount, subject to underwriting
Spouse signature not required for universal life policy or Spouse Term Rider with face amounts up to $50,000, except in states that require applicant to sign
Exception underwriting available for qualifying accounts
Family coverage options
Stand-alone policies available for spouse, children and grandchildren with noemployee policy required
Spouse Term Rider and Children’s Term Rider available on employee policy
Competitive features
Tobacco-distinct, unisex rates
Coverage for broad age ranges, up to 79
Matures at age 100
Built-in accelerated death benefit due to terminal illness
Adjustable death benefit and flexible premiums
Guaranteed 4% interest rate
Policy loans or cash withdrawals available after first policy year
Optional riders
Additional Coverage Term Rider
Waiver of Monthly Deductions Rider
Accidental Death Benefit Rider
Guaranteed Purchase Option Rider
* Known as Comprehensive Long-Term Care Insurance Rider in CA, Long-Term Care Benefit Insurance Rider in FL, Chronic Illness Accelerated Benefit Rider in MA and Long-Term Care Accelerated Death Benefit Rider in PA.
Product has exclusions and limitations that may affect benefits payable. Benefits and rider options vary by
state and may not be available in all states. See your Colonial Life benefits representative for complete details.
ColonialLife.com
34
Term Life Insurance
Talk with your benefits
representative to learn more
about Term Life 1000.
Product advantages
Supplements cash value life insurance during high-need years, offering the highest death benefit for the lowest cost
Can be combined with other supplemental insurance policies, such as short-term disability and cash value life, to help build an employee’s financial foundation
Attractive underwriting
Unlimited maximum face amount, subject to underwriting
Post-enrollment guaranteed issue options available in accounts with 50+ employees if participation requirements are met
Simplified issue underwriting available regardless of account size or when participation requirements are not met
Non-medical underwriting (no blood profiles or examinations) is available for certain age bands and face amounts
Spouse signature not required for Spouse Term Policy or Spouse Term Rider with face amounts of $10,000, except in states that require applicant to sign
Family coverage options
Stand-alone spouse policy available with no employee policy required
Spouse Term Rider (10- and 20-year) and Children’s Term Rider available on employee policy
Competitive features
Three plan options (10, 20 and 30 years) offer flexibility to meet each employee’s specific needs
Broad issue age ranges, up to 75 on the 10-year plan
Tobacco-distinct, unisex rates
Guaranteed level premiums for the selected term
Annually renewable (to age 95) at guaranteed rates without proof of good health
Accelerated Death Benefit due to terminal illness
Convertible to a cash value life insurance plan (through age 75) for any amount up to the term face amount without proof of good health
Coverage is portable
Optional ridersAccidental Death Benefit Rider
Waiver of Premium Rider
Our individual Term Life 1000 plan offers financial
protection and help during challenging times.
Many employees will go through a life stage with greater financial obligations. They may need additional coverage if they’re getting married, buying a home, having a child or getting ready for retirement. When you include Term Life 1000 in your overall benefits package, you’re giving employees options to help cover final expenses from unexpected death and lessen future financial strain for their loved ones.
Product has exclusions and limitations that may affect benefits payable. Benefits and rider options vary by state and may not be available in all states. See your Colonial Life benefits representative for complete details.
ColonialLife.comTERM LIFE 1000 | 7-14 | 101431-1
©2014 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.
35
Whole Life Insurance
Whether employees want the financial security of a guaranteed death benefit or access
to the plan’s cash value through a policy loan for emergency situations, whole life
insurance has the flexibility to provide both. Plus, an optional rider gives employees
flexibility to use their death benefit for covered long-term care expenses.
Flexible use of death benefit(optional rider available at an additional cost)
Long-term care benefit rider draws down the death benefit to help pay covered
long-term care expenses.
Product guarantees(as long as premiums are paid and
no loans are taken)
Death benefit won’t change.
Cash value will increase.
Premiums won’t increase.
Attractive underwriting
Face amounts up to $300,000.
Guaranteed issue available.
No height/weight question on simplified issue underwriting.
Spouse signature not required for whole life policy or spouse term rider with face amounts
up to $50,000, except in states that require applicant to sign.
Family coverage options Stand-alone spouse and child policies available with no employee policy required.
Spouse term rider (10- and 20-year) and children’s term rider available on employee policy.
Competitive features
Two plan designs based on length of time premiums are paid (paid-up at age 65 and
paid-up at age 95).
Coverage for broad issue age ranges, up to 79 on paid-up at age 95 plan.
Tobacco-distinct, unisex rates.
Accelerated death benefit due to terminal illness.
Guaranteed purchase option allows the purchase of additional whole life coverage
at three future points with no health questions asked.
$3,000 immediate claim payment.
Policy loans available ($100 minimum).
Policy pays cash surrender value at age 100 (when the policy endows).
Coverage is portable.
Optional riders
Accidental death benefit rider pays an additional benefit if the insured dies as a result
of an accidental bodily injury.
Waiver of premium rider waives premiums on the policy and any riders attached
to it in the event of covered total disability.
WHOLE LIFE 1000 | 5-16 | 70058-5
Our whole life insurance plan offers dependable lifetime coverage,
guaranteed cash value and two types of important financial protection to help
employees during challenging times.
Talk with your benefits representative to learn more.
ColonialLife.com
Product has exclusions and limitations that may affect benefits payable. Benefits and rider options vary by state and may not be available in all states. See your Colonial Life benefits representative for complete details.
©2016 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.
Juvenile Whole Life Insurance
JUVENILE WHOLE LIFE
45% of those who purchase juvenile life insurance do so to
lock in a low rate.
A lower rate for lifeThe whole life insurance you buy for a child or grandchild can begin a
lifetime of protection at a"ordable rates.
Juvenile whole life insurance o"ers you a way to help protect your
children against higher insurance rates they may face as adults. You
can feel good knowing you provided them with a base of coverage
they can carry into adulthood.
Why get juvenile whole life insurance?Each year without a whole life policy, the monthly cost for coverage increases.
The younger children are when you get them coverage, the lower the base
rate will be for the life of the policy.
This also protects them against the chance that an unexpected accident
or illness could make life insurance more expensive – or even unavailable –
later on.
Coverage features
Each policy covers one child. You can purchase this coverage
until the child turns 26.
The policy accumulates cash value at a guaranteed rate over
the life of the coverage.
The policy stays in force as long as you continue making payments.
You can add the accidental death benefit rider at any time.
A(er your child’s 18th birthday, you can:
– Pass ownership to your child.
– Enhance the coverage with other optional riders. Talk with your Colonial Life
benefits counselor for information about how much coverage would
work best for you.
Your cost will vary based on the amount of coverage you select.
LIMRA, 2015 Insurance Barometer Study, 2015
EXCLUSIONS AND LIMITATIONS
If the insured commits suicide within two years (one year in ND) from the coverage e$ective date or the date of reinstatement (not applicable in AR), whether he is sane or insane (not applicable in AZ), we will not pay the death benefit. We will terminate this policy and return the premiums paid, minus any loans and loan interest to you. Product may vary by state. For costs and complete details of the coverage, call or write your Colonial Life benefits counselor or the company.
This product is underwritten by Colonial Life & Accident Insurance Company.
This brochure is applicable to policy forms ICC16-WL1000J/WL1000J, rider forms ICC16-WL-ACDTH/WL-ACDTH and applicable state variations.
Additional features
Paid-up at age 65
The premium payments for the juvenile policy stop at age 65 even though coverage continues
on the insured child up to age 100.
$3,000 immediate claim payment
This payment can help meet immediate needs, such as funeral costs, by providing an initial
death benefit payment of $3,000 to the designated beneficiary.
Accelerated death benefit
If the insured child is diagnosed with a terminal illness, you can o*en request up to 75 percent
of the policy’s death benefit, up to $150,000.
Optional rider
Accidental death benefit rider
When you purchase this rider, it pays an additional benefit if the insured dies as a result of
an accident before age 70. The benefit doubles if the accident occurs while the insured is a
fare-paying passenger. An additional 25% of the accidental death benefit will be paid if the
insured dies due to an injury sustained while driving or riding in a private vehicle and wearing
a seat belt.
Additional options available at age 18(or a-er policy ownership has been passed to child)
Guaranteed purchase option
When you purchase the policy, your child has the option to purchase additional whole life
coverage – without having to answer health questions – at age 18, 21 and 24. They may
purchase up to the initial face amount, not to exceed a total combined maximum of $100,000
for all options.
Spouse term life rider
Your child can purchase term life coverage for a spouse, with a maximum death benefit of up to
$50,000. 10-year and 20-year coverage periods are available. They can choose to convert this
coverage to a cash value policy within certain time periods later on – without having to answer
health questions.
Children’s term life rider
Your child may purchase up to $10,000 in term life coverage for all of their eligible dependent
children and pay one premium. They can later convert this coverage to a cash value life
insurance policy – without having to answer health questions – upon their 70th birthday or the
child’s 25th birthday, whichever comes first. They can add this additional coverage to either
the primary or the spouse policy, but not both.To learn more,
talk with your Colonial Life
benefits counselor.
ColonialLife.com
©2016 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. 6-16 | 101721
RETIREMENT
As years go by, know they’re protected by the coverage you purchased.
CHILDREN
They can extend coverage as their family grows.
WEDDING
They can purchase coverage on a new spouse.
FIRST JOB
Provide a base to build on as they establish themselves.
18TH BIRTHDAY
Give them ownership of their policy as they take more control of their future.
CHILDHOOD
They grow up so fast. Get them o% to a great start.
GIVE A GIFT THAT LASTS A LIFETIME
Getting started
The easiest way to manage your
business with us is through
ColonialLife.com. To sign up for
the website, click Register at the
top right of the home page and
follow the instructions.
Consider your options
At Colonial Life, our goal is to give you an excellent customer
experience that is simple, modern and personal. For your
convenience, you can choose how you interact with us. For the
quickest service, we recommend using our website, which lets you
do the following:
Review, print or download a copy of your policy/certificate
Update contact information
Access service forms
Submit your claim using our eClaims system
Check the status of your claim and view claims correspondence
Access claim forms
Policyholder Service Guide
eClaims are quick and easy
With the eClaims feature on ColonialLife.com, you can file most claims online by simply answering a few questions and uploading your supporting documentation. You’re able to spend less time on paperwork, and we’re
able to process your claim faster.
You can access eClaims through your computer or mobile device and
upload any required supporting documentation.
Once you’re logged in to ColonialLife.com, visit the Claims Center and
select File an Online Claim to get started.
Paper claims
If you don’t want to file online, download the form you need by visiting
the Claims Center page on ColonialLife.com and clicking on claims and
service forms.
Follow the instructions, tips and videos to complete and submit
your claim.
Your policy and certificates are located under the
My Correspondence tab.
ColonialLife.com
Contact us
Online
ColonialLife.com
Log in and click on
Contact Us
Telephone
1-800-325-4368
Hearing-impaired customers
803-798-4040
If you do not have a TDD,
call Voiance Telephone
Interpretation Services.
844-495-6105
11-16 | 43233-38
Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2016 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.