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What are Supplemental Benefits?
Supplemental benefits complement an employer's core benefits program
because employees choose the ones that best meet their individual
and family needs. Typical plans include disability, accident, life,
cancer and hospital confinement 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 convenient payroll deduction.
Our plans typically pay benefits regardless of other insurance
the policyholder has. Policyholders can use the money to pay
deductibles, co-payments and other expenses not covered by major
medical plans, such as travel to treatment centers, lodging and
child care, or even everyday living expenses.
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- Accident Insurance
- Little League, other weekend sports and leisure hobbies, Chores and
fix-up projects around the house, Going to work everyday, These activities
are a part of normal, everyday life. Unfortunately, accidents are also a
part of everyday life. And often, we don't think about the accidental
injuries, or even the accidental deaths, which may happen during the course
of a day. Need more info?
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- Life Insurance
- Whether you're a breadwinner or a stay-at-home parent, you probably
need life insurance to protect the people who depend on you. And in most
instances, life insurance benefits are free from income tax for the
beneficiary. Need More Info?
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- Short-Term Disability
- In most cases, a short-term disability will result in reduced
income for you and your family. If you become disabled, how long could you
pay bills and provide for your family with reduced earnings? How long will
the disability benefit from your employer-sponsored insurance plan last? Do
you have enough set aside to cover the additional expenses caused by a
disability, maintain your lifestyle and cover everyday living expenses? Need
More Info?
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- Hospital
Confinement Indemnity
- Being admitted to the hospital is something you hope you or your
family will never have to experience. However, if you had to stay in the
hospital, do you have enough set aside to cover the out-of-pocket costs
associated with a hospital stay? What if you have to be in the hospital
for a week or more? Those charges add up. How will you pay the expenses
that accumulate with each day you are in the hospital?
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- Cancer and
Critical Illness
- You don't plan to be diagnosed with cancer or a critical illness.
What would you do if this happened? Both Colonial Life's Cancer and Critical
Illness Insurance plans are designed to supplement your major medical
coverage to help you with the high cost of cancer and critical illness
treatment.
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- Hospital Intensive Care Protection
- Provides first day coverage for accidents, Second day coverage for
sickness. Hospital Intensive Care Protection pays benefits' for up to a total
of 31 days per confinement in an Intensive Care Unit and subsequent
confinement in a sub-acute intensive care unit. Need More Info?
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- Long-Term Care
- Many people believe long term care is only for the elderly, but nearly
57% of people who file a long term care claim are under age 65. These are
just a few of the conditions that can occur at any age and prompt the need
for long term care insurance:
*arthritis
*heart disease
*stroke
*brain trauma
*cancer
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