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What are Voluntary Benefits?

Voluntary benefits complement - not replace - an employer's core benefits program.  Sometimes called supplemental insurance, voluntary benefits allow employees to choose the benefits that best meet their individual and family needs.  Typical plans include: disability, accident, cancer, critical illness, hospital confinement indemnity and life Insurance.

Voluntary benefits allow employers to offer an expanded benefits package at no direct cost because employees typically pay for these products themselves, usually through the convenience of payroll deduction.

As the costs of health care continue to spiral upward, employees and employers are searching for ways to keep these costs under control and as manageable as possible.1 Our personal insurance products offer a broad range of benefit options for employers and employees, and many can help combat the rising costs of health care.
 1 2011 Employee Benefits, Examining Employee Benefits Amidst Uncertainty. A Research Report by the Society for Human Resource Management (SHRM), 2011      


Why Supplemental Insurance?

Supplemental insurance provides the added protection employees and their family members need to help makes ends meet in the event of a covered accident, illness or death.

Features of Colonial Life plans:

  • Benefits paid directly to employee unless otherwise specified.
  • Benefits do not coordinate or offset with any other insurance employee may have with other insurance companies.
  • Employee can use their benefits to help pay for out-of-pocket expenses such as deductibles and co-pays or can use their benefits to pay for daily living expenses such as mortgage/rent, clothing, food.

  • Employees can design their own benefits package to fit their needs and the needs of their family members .
  • Some plans provide benefits for wellness and cancer screening checks for early detection.
  • Some plans can be offered pre-taxed through Section 125 saving employee and employer on payroll taxes.