Disability insurance helps protect your income

Dealing with an unexpected  injury or sickness that prevents you from working can lead to financial challenges. Short term disability insurance replaces a portion of your income so you can focus on recovery.

Common causes of disability claims*

Disability insurance may provide income protection for a range of medical conditions, including:

  • Musculoskeletal and joint disorders
  • Pregnancy and childbirth
  • Injuries
  • Behavioral health
  • Cancer
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Kim’s disability benefits story
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Advantages of Colonial Life disability insurance

  • Get benefits payable to you with the flexibility to use them where they’re needed the most (e.g., rent, house payments, car payments, utilities)
  • Qualify for partial disability benefits if available
  • Continue your coverage if you change jobs with some insurance plan options

Benefit stories: How disability benefits can help

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Charles: Heart surgery

Charles suffered a heart attack and had to take unpaid leave after surgery. His disability insurance helped pay his family’s bills during his recovery, allowing him to protect his savings for his daughter’s dream wedding.
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Emily: Normal delivery

After Emily delivered a healthy baby boy, she used her disability insurance benefits to help cover ongoing expenses, so she didn’t have to dip into the family savings.
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Ashley: Leg injury

After injuring her leg while jogging, Ashley needed to stay off her feet to recover. She used her disability insurance to help cover her rent and monthly student loan payments.

For illustrative purposes only. These benefit stories aren’t intended to depict real people.

Popular features in the policyholder portal to help you use your benefits

Check on policies and personal info
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    See the status and get a copy of your policy
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    Check your premium amount and due date
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    Update your billing contact information and make payments
Filing and receiving claims online
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    File or check on the status of a claim
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    Set up direct deposit for quicker benefit payment
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FAQ: General information

FAQ: Coverage and benefits

Employers and HR representatives

Find out more about offering Colonial Life individual or group disability insurance for your employees.

*Colonial Life internal data, 2024.

Policy forms marketed by the company are too numerous to list in the advertisement, but a list can be provided upon request.

State-mandated PML benefits fall under state-specific program names. For example, in New Jersey, it may be referred to as Temporary Disability Insurance (TDI). State PML programs are not available in all states.