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Injury • Illness • Dental • Vision • Life
ColonialLife.com
HEALTH SAVINGS ACCOUNT (HSA) COMPATIBLE
This plan is compatible with HSA guidelines and any other HSA plan in which a covered family member may participate. It may also be offered to employees who do not have HSAs.
THIS INSURANCE PROVIDES LIMITED BENEFITS.
LIMITATIONS AND EXCLUSIONS FOR RESIDENTS OF ARIZONA:
We will not pay benefits for claims that are caused by, contributed to by, or resulting from elective procedures, felonies or illegal occupations, hazardous avocations, impaired driving, incarceration, racing, semi-professional or professional sports, sickness, suicide or self-inflicted injuries, war, or armed conflict. In addition, we will not pay benefits for sickness hospital benefits that are caused by, contributed to by, or resulting from dental care or mental or nervous disorders. We will not pay sickness hospital benefits for a newborn following childbirth unless the newborn has an injury or sickness, or for giving birth within the first nine months after the coverage effective date as a result of a normal pregnancy. Provisions may vary in other states.
PRE-EXISTING CONDITION LIMITATION FOR SICKNESS HOSPITAL BENEFITS FOR RESIDENTS OF ARIZONA
We will not pay benefits for sickness hospital benefits in the first 12 months following the coverage effective date if the covered sickness is caused by, contributed to by, or resulting from a pre-existing condition. A pre-existing condition is a sickness or physical condition for which an insured was treated, had medical testing, received medical advice or had taken medication within the 12 months before the coverage effective date. Provisions may vary in other states.
ADDITIONAL DISCLOSURES FOR RESIDENTS OF KENTUCKY:
Premium will vary based on the coverage selected.
Eligibility for benefits: Accident insurance provides financial protection for an insured by paying benefits if an insured is involved in a covered accident that results in a covered loss payable under the certificate. Benefits will only be payable for covered accidents that occur on or after the insured’s coverage effective date. Benefits will not be paid for any injury, treatment or care due to causes other than covered accidents.
A covered accident means an unintended or unforeseen bodily injury sustained by an insured, wholly independent of disease, bodily infirmity, illness, infection, or any other abnormal physical condition and which:
• occurs on or after the coverage effective date;
• occurs while coverage is in force; and
• is not excluded by name or specific description in the certificate.
End of coverage for the named insured: Your coverage under the certificate ends on the earliest of:
• the date the policy is canceled by us or the policyholder;
• the date you are no longer in an eligible group;
• the date your eligible group is no longer covered;
• the date of your death; or
• the last day of the period any required premium contributions are made.
However, as long as premium is paid as required, coverage will continue in accordance with the Continuation of your Coverage During Absences provision.
Exclusions: We will not pay benefits for claims that are caused by, contributed to by, or resulting from elective procedures, felonies or illegal occupations, hazardous avocations, impaired driving, incarceration, racing, semiprofessional or professional sports, sickness, suicide or self-inflicted injuries, war, or armed conflict.
Provisions may vary in other states.
This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. Applicable to policy form GAC4100-P and certificate form GAC4100-C (including state abbreviations where used, for example, GAC4100-P-TX). For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company. An insurance producer may contact you.
Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.
© 2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.
This ad is not available for use in CA, NM, NY, OR and WA.
Family care and
pet boarding
Our updated accident coverage includes in-demand features and health benefits that tap into more value for employees in multiple generations.
Expanded accident benefits at a glance
Benefits stories
With rising inflation and medical costs, many employees are looking for ways to stretch their paychecks and keep their families healthy. Our modern take on accident insurance answers that challenge.
We’re expanding our group accident coverage with features and benefits that help employees tap into more value. We’ve also added more ways to increase eligible benefit payments. Discover the value of accident insurance.
Discover the value of accident benefits for the next generation
Are medical costs keeping your employees up at night?
Talk with your Colonial Life benefits representative today to learn more.
For illustrative purposes only. These are not intended to depict real people.
Provides daily benefits
to help provide care for a child or pet while a covered person is hospitalized or recovering from surgery
for a covered accident.
Cushion the impact of out-of-pocket expenses
Average cost for nonfatal accidental injuries in the ER
Source: Injury Prevention, Average Cost of Fatal and Nonfatal Injuries, 2021.
$
6,620
Accident insurance is a budget-friendly voluntary benefit that can help employees pay for their out-of-pocket expenses related to an injury, including medical plan deductibles. This means employees can focus more on their recovery instead.
Behavioral health therapy
Benefit for behavioral health visits to assist in recovery from a covered accident.
Behavioral health therapy
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Family care and pet boarding
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Building benefit
Increases the value of benefits the longer an employee keeps the coverage.
Building benefit
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Active lifestyles
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Select a benefit to learn more
Benefits
of adults or a family member with health insurance have postponed medical care because of costs
Source: KFF, Health Care Debt Survey, 2022.
%
48
Orthopedic
clinic visit
Isabella
Isabella was riding her bike in her neighborhood with her brother when she fell and dislocated her ankle.
Isabella’s parents’ accident coverage helped cover out-of-pocket costs for:
X-rays
Follow-up treatment
A walking boot
Gunshot wound
Benefit payable for a nonfatal gunshot wound as the result of a covered accident.
Gunshot wound
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Personal safety
For completion of covered programs, including defensive driving, first aid, swimming lessons.
Personal safety
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Enhanced wellbeing assistance
New options to cover well-child visits, annual physicals and immunizations for all covered insureds.
Enhanced wellbeing assistance
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Increases the value of 18 eligible common benefits due to a covered accident.
Active lifestyles
Isabella
Jayden
Pet boarding for two nights
Surgery
X-rays and medical imaging
Ambulance and ER visit
Jayden was driving to the bookstore when he got into a car accident requiring an emergency room visit.
Jayden’s accident coverage helped cover out-of-pocket costs for:
Jayden
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Follow-up visits with his doctor
Physical therapy
Average cost for non-fatal accidental injuries in the ER
Source: Injury Prevention, Average Cost of Fatal and Non-fatal Injuries, 2021.
6,620
$
Active lifestyles
Increases the value of 18 eligible common benefits due to a covered accident.
Active lifestyles
CLOSE
Building benefit
Increases the value of benefits the longer an employee keeps the coverage.
Building benefit
CLOSE
Family care and pet boarding
Provides daily benefits to help provide care for a child or pet while a covered person is hospitalized or recovering from surgery for a covered accident.
Family care and pet boarding
CLOSE
Behavioral health therapy
Benefit for behavioral health visits to assist in recovery from a covered accident.
Behavioral health therapy
CLOSE
Gunshot wound
Benefit payable for a non-fatal gunshot wound as the result of a covered accident.
Gunshot wound
CLOSE
Enhanced wellbeing assistance
New options to cover well child visits, annual physicals and immunizations for all covered insureds.
Enhanced wellbeing assistance
CLOSE
Personal safety
For completion of covered programs, including defensive driving, first aid, swimming lessons.
Personal safety
CLOSE
Close
Click on a name for their benefit stories.
Click on a name for their benefit stories.