Accident

There is no way to control the rising costs of health care. But there are ways to work around them. When you’re planning your employee benefits package, don’t settle for less. You can still help provide your employees the security they need and deserve by adding Colonial Life’s accident insurance.

Colonial Life’s guaranteed renewable accident insurance provides lump-sum indemnity benefits for accidents. Employees can choose coverage for on- and off-the-job or off-the-job-only accidents. Employees have a choice of family coverage or stand-alone coverage for themselves, their spouse or dependent children. Features include the same benefits for employee, spouse and dependent children, worldwide coverage and portability. Optional riders, such as disability income, are available at an additional cost for the employee or spouse. An advantage of the disability income rider is that it can cover a spouse who may not have disability coverage through an employer.

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

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What does this mean for me?

Benefits available under this plan include, but are not limited to:

Emergency Room treatment, doctor’s office visits and ambulance.
Common accidental injuries such as fractures, dislocations, lacerations, concussions and eye injuries.
Hospital benefits such as hospital admission, hospital confinement and intensive care confinement.
Surgery benefits for injuries such as torn knee cartilage, ruptured disc and torn rotator cuff.
Follow-up care such as physical therapy and doctor’s office visits.
Benefits for accidental death, accidental dismemberment and catastrophic accident.

Important information about this product.

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

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By offering voluntary benefits that help fill medical gaps for employees, you can help your clients manage their costs while still providing a competitive benefits program.

Our accident insurance can also provide solutions for your clients who are moving to high-deductible health plans. It is considered permitted coverage under a Health Savings Account.

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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