Voluntary benefits for employers: Colonial Life coverage that sits next to your health plan

What voluntary benefits do for an employer

• They add coverage that works alongside your medical plan.
• More benefit choices can help you hire and keep good people.
• You set the cost split. Benefits can be fully employee-paid or shared with you, taken through payroll deduction.
• Bilingual English/Spanish benefits counselors can reach more of your employees.
• Enrollment support, plus help with setup, billing and claims, keeps the paperwork manageable for you.

Costs your medical plan may leave behind

A bad fall or a long illness brings deductibles and household bills. It can also mean travel for treatment and paychecks that don’t arrive. Voluntary benefits give employees money for those costs. Accident, disability and hospital indemnity benefits are paid straight to the covered employee, who spends it where it’s needed most. Life insurance pays the named beneficiary.

Types of coverage employees can choose

• Disability: replaces part of an employee’s income when illness or injury keeps them from working.
• Accident: helps with expenses after a covered accident.
• Hospital indemnity: can pay a benefit for a hospital stay or outpatient surgery, on top of any medical insurance.
• Critical illness: pays a lump sum after a covered illness is diagnosed.
• Cancer: can help with out-of-pocket costs after a covered cancer diagnosis, and includes a benefit for cancer screening tests.
• Life: financial support for the people an employee leaves behind.
• Dental: helps with routine and unexpected dental work. Vision coverage is available as an option.

Employees, spouses, eligible dependent children and business owners may be eligible. Eligibility and coverage vary by plan. Changes generally happen during annual enrollment or after a qualifying life event.

How employees enroll

We set up enrollment with Colonial Life benefits counselors, who meet one-on-one with each employee to explain the options. Nobody is pushed to buy. Schedules can be built around multi-site, multi-shift and multilingual workforces, and bilingual counselors can meet with employees in English or Spanish.

• At your worksite, one-on-one or in groups.
• Video meetings that spouses or partners can join.
• By phone.
• In English or Spanish with a bilingual counselor.
• Online self-enrollment.
• Online scheduling, so employees can book a time that suits them.

¿Prefiere hablar en español? Llame o envíe un mensaje de texto al (619) 787-1015.

Using Colonial Life with Employee Navigator

Colonial Life connects directly to Employee Navigator. If we’re your group benefits broker and you run benefits administration in Employee Navigator, your Colonial Life voluntary benefits can live in that same system. You skip the separate process. Read more about benefits administration with Employee Navigator.

What you get as the employer

• Help with account setup, enrollment, billing and claims.
• An online plan administrator account for managing employee benefits and paying bills.
• An online policyholder account where employees view their coverage and file claims.
• Access to Colonial Life partnership programs and resources.

If your business has a complex or multi-entity setup, we’ll connect you with a specialist.

Common questions from employers

Licensed in California. CA Agency Lic. #0F09685.

Learn more about Colonial Life supplemental benefits.

Existing Colonial Life customer? Get help with claims or payments (opens in new tab)

Talk through voluntary benefits for your team

Call or text CBIS to talk about what voluntary benefits could look like for your business. You can also Book a free call (opens in new tab) by phone or video, or Get a benefits quote.

Call or text (858) 283-7575. If you’d rather email, write to customerservice@cbisusa.com.