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Disability

DisabiltyYour employees depend on their income to pay for housing, food, clothing, their children's education – all the necessities of life. For most employees, a disability means not only difficulty meeting these financial obligations but also increased out-of-pocket medical costs. Colonial Life offers a variety of affordable employee-paid disability income options to meet your company's and your employees' needs.

Every employer knows that employee absences cost money. An absence management strategy can substantially reduce those costs, and an important component of effective absence management is the income protection you offer your valued employees. As a concerned employer, you want to offer the protection your employees need without hurting your bottom line. With Colonial Life's personal disability insurance options, you can manage employee absence while offering the security they need in the event of a disability.

For your employees who purchase a Colonial Life accident insurance policy, disability income riders are available for accident or accident/sickness disability at an additional cost. Benefits are similar to our individual short-term disability policy but with lower benefit amounts, duration periods and premiums.

 See one of Colonial Life's benefits guys for more details.

Would you like to receive additional information about Colonial Life's Disability Plan? More Info Request Form

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What does this mean for me?

For most people, a disability means not only difficulty meeting financial obligations, it also means increased medical costs. We can provide the income protection you need. Colonial Life provides the income protection you need by helping you cover:

  • Mortgage payments, utility bills and other household expenses.
  • Food, clothing and other necessities.
  • Co-insurance.
  • Medical costs not covered under other plans, and travel and lodging expenses for treatment.

Don’t have Colonial Life? Take this to your boss.

Important information about this product.

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Colonial Life's disability insurance is a favorite with brokers and their clients, winning the Benefits Selling Readers' Choice award in 2008.

Benefit your clients and their employees with our flexible underwriting guidelines for disability insurance – guaranteed issue and credit for time insured – for qualified accounts. Ask your Colonial Life benefits contact for complete details and requirements.

Want to know more? Talk to your Colonial Life benefits contact or complete a request form to have one of our benefit counselors contact you.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable.

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