9 Employee Benefit Booklet

2019 Employee Benefit Booklet

Presented By:

Discover which benefits are right for you - at Youville®

The right benefits can help provide financial protection during challenging times. But how do you determine which options best fit your life?

Youville is an online resource that helps you quickly become more knowledgeable about your employee benefits.

The website enables you to:

Access information on financial protection.

View personalized benefit recommendations.

Learn about insurance terms.

Find out about changing needs at different life stages.

Sign up for The Youville Reporter for tipsabout health and financial protection.

A better 1-to-1 benefits session

Click on “Visit Youville” to complete a brief questionnaire for recommended benefit needs.

Print out your personal benefit recommendations and summary.

Take the printout with you to a 1-to-1 session with your Colonial Life benefits counselor.

You’ll be more informed about the benefit options that can help protect what you’ve worked so hard to build.

©2014 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 12-14 | 100990-1

protection.

Visityouville.com/WarrenCountyBOEReview your benefits at:

Legal Plan – covers you, your spouse or domestic partner, never-‐married children under age 26 living at home,dependent children under age 18 for whom the member is the legal guardian, never married dependent children who are full-‐time college students up to age 26, and physically or mentally disabled children living at home.

Advice & Consultation Document Preparation

Toll-‐free phone consultations with your Will preparation and annual reviews and updates Provider Law Firm for any personal legal for covered members; Matter, even on pre-‐existing conditions. Other documents available: Living Will, Heath Care

Power of Attorney.

Letters and Phone Calls on Your Behalf Contract and Document Reviews

24/7 Emergency Assistance-‐ Residential Loan Document Assistance After-‐hours legal consultation for covered Mortgage documents (as required of the borrower Legal emergencies. Specific coverage depends by the lending institution) prepared for the purchase On plan. Emergencies include: arrest, seriously of your primary residence. Injured or served a warrant.

Family Matters (family plan only) Auto

IRS Additional Benefits -‐ -‐Preferred Member Discounts

Everyone deserves legal protection. LegalShield is creating a world where everyone can access legal protection -‐ -‐ -‐ and everyone can afford it. You will have access to a quality law firm 24/7, for covered personal situations.

Identity Theft Plan – covers you, your spouse or domestic partner, and up to 8 dependents under the age of 18.Your identity is personal. Keep it that way. Identity theft affects millions of Americans each year. And while it can take just minutes to happen, recovering from the financial damage and emotional toll it inflicts often takes years. Identity Shield equips you with the information and expertise you need to help prevent theft and resolve issues related to identity theft.

Credit Report and Personal Credit Score Continuous Monitoring with Safety Alerts

Identity Consultation and Restoration Services Safeguard for Minors

Per Pay Rates: Legal Only: Single Unmarried = 8.48 Family = 9.48

Per Pay Rates: ID Shield Only: Single Unmarried = 4.48 Family = 9.48

Single Bundle Rate = 12.95 Family Bundle Rate = 16.95 **Save $4 per month for bundle

Vision Care Services In-Network Member BenefitsOut-of-Network

Reimbursement

Eye Examination Covered in full Up to

Materials:

Frame Allowance* Members receive a wholesale allowance

retail value†

Up to

Standard Spectacle Lenses

Single Vision

Bifocal

Trifocal

Lenticular

Covered in full after materials copay




Up to

Up to

Up to

Up to

Other Lens Options‡

Contact Lenses

(in lieu of frame and spectacle lenses)

Elective

Medically Necessary Covered in full

Refractive Laser Surgery Provider discount up to 25%

Frequency

Eye Examination Once every Once every

Lenses or contact lenses Once every Once every

Frame Once every Once every

E#ective Date:

An In-Depth Look

†

*

Here’s How It Works

Select a

provider

Make an

appointmentVisit provider

for service

Pay any copays

or additional

expenses

1 2 3 4

How can we help you?

Avēsis Website:

www.avesis.com

Customer Service:

800-828-9341

7 a.m. - 8 p.m. EST

LASIK Provider:

877-712-2010

Group Number:

Plan Number:

Reliable & Dependable

(Materials copay applies to frame or spectacle lenses, if applicable.)

‡

§ Prior authorization is required for medically necessary contacts.

Avēsis is a national leader in

providing exceptional vision

care benefits for millions

of commercial members

throughout the country.

The Avēsis vision care

products give our members

an easy-to-use wellness

benefit that provides

excellent value

and protection.

Monday through Friday, 7 a.m. to 8 p.m. (EST) at 800-828-9341 to receive a listing of providers in your area.

§

4/1/2018

30790-1436

933-L3

Warren County Schools

after $10

$45.00

$35.00

$15 copayment

$50

Up to $150

$25.00

$40.00

$50.00

$80.00

up to $40.00Standard Progressives Preferred Pricing

Level 3 Lens Option Package

Bi-Monthly Employee Paid Rates

Employee $4.37

Employee + Spouse

Youth Polycarbonate (Up to Age 19) Adult Polycarbonate Standard Tint Standard Scratch-Resistant Coating Ultra-Violet Screening Standard Anti-Reflective Coating

$8.21

Employee + Child(ren)

Covered in full up to $10.00 up to $10.00 up to $4.00 up to $5.00 up to $6.00 up to $24.00

Employee + Family

$8.43

$11.64

$130 allowance $130.00

$250.00

One-time/lifetime allowance of $150$150.00

Underwritten by: Fidelity Security Life Insurance Company, Kansas City, MO Policy #: VC-16, Form M-9059 12 Months 12 Months

12 Months 12 Months

24 Months 24 Months

At participating Walmart locations, retail pricing for your plan is $68. At participating Costco locations, retail pricing is $54.99.

Values provided may be more or less depending on the providers retail pricing.

Using Out-of-Network Providers

administrator, or by visiting www.avesis.com.

Limitations and Exclusions

Limitations:

1) Orthoptics or vision training;

2) Subnormal vision aids and any supplemental testing, aniseikonic lenses;

3) Plano (non-prescription) lenses, sunglasses;

4) Two pair of glasses in lieu of bifocal lenses;

5) Any medical or surgical treatment of eye or supporting structures;

Federal, State, or subdivision thereof.

2) Medical or surgical procedures, services, or treatments:

b. provided free of charge in the absence of insurance

d. payable under governmental plan or program, whether Federal, state, or subdivisions thereof.

Notes and Disclaimers

The contact lens allowance may be used all at once or throughout the plan year as needed or may be applied toward contact lenses only, or both contact

Termination Provisions

015

VISION BENEFITS ON THE GO.

AVESIS E-SSENTIALS

OUR NEW MOBILE APP:

www.avesis.com

—

•

•

•

•

•

•

Available for download on:

Customer Service Toll-Free Number: (800) 955-2030 www.DeltaDentalKY.com

2013-004-DD Rev 3/14

Delta Dental of Kentucky

Delta Dental PPO plus Premier

Summary of Dental Plan Benefits

Group Name: Warren County Schools Group Number: 711180

Covered Services –

Delta Dental

PPO Dentist

Delta Dental

Premier Dentist

Non-

participating

Dentist

Plan Pays Plan Pays Plan Pays*

Diagnostic & Preventive Diagnostic and Preventive Services – exams, cleanings, fluoride, and space maintainers

100% 100% 100%

Emergency Palliative Treatment – to temporarily relieve pain

100% 100% 100%

Sealants – to prevent decay of permanent teeth 100% 100% 100%

Brush Biopsy – to detect oral cancer 100% 100% 100%

Radiographs – X-rays 100% 100% 100%

Basic Services Minor Restorative Services – fillings and crown repair

80% 80% 80%

Endodontic Services – simple root canal treatment 80% 80% 80%

Oral Surgery Services – simple extractions 80% 80% 80%

Other Basic Services – misc. services 80% 80% 80%

Denture Repair – repairs to complete or partial dentures

80% 80% 80%

Major Services Oral Surgery Services – dental surgery, impacted teeth

50% 50% 50%

Endodontic Services – endodontic surgery 50% 50% 50%

Periodontic Services – to treat gum disease 50% 50% 50%

Major Restorative Services – crowns 50% 50% 50%

Fixed Prosthodontic Repair – to bridges 50% 50% 50%

Implant Repair – implant maintenance, repair, and removal

50% 50% 50%

Relines and Rebase – to dentures 50% 50% 50%

Adjustments to Dentures – adjustments to complete or partial dentures

50% 50% 50%

Prosthodontic Services – bridges, implants, and dentures

50% 50% 50%

Orthodontic Services Orthodontic Services – braces 50% 50% 50%

Orthodontic Age Limit – Dependent children to the end of the month of age 19

* When you receive services from a Nonparticipating Dentist, the percentages in this column indicate the portion ofDelta Dental's Nonparticipating Dentist Fee that will be paid for those services. The Nonparticipating Dentist Fee may be less than what your dentist charges and you are responsible for that difference.

Customer Service Toll-Free Number: (800) 955-2030 www.DeltaDentalKY.com

2013-004-DD Rev 3/14

� Oral exams (including evaluations by a specialist) are payable twice per calendar year. Limited oral evaluationsfor a specific problem or complaint are also payable twice in the same calendar year.

� Prophylaxes (cleanings) are payable twice per calendar year. Two additional periodontal maintenanceprocedures are payable per calendar year for individuals with a documented history of periodontal disease. Fullmouth debridement is payable once in a lifetime.

� Fluoride treatments are payable once per calendar year for people up to age 19.� Bitewing X-rays are payable once per calendar year and full mouth X-rays (which include bitewing X-rays) are

payable once in any five-year period.� Sealants are payable once per tooth per two-year period for the occlusal surface of first and second permanent

molars up to age 16. The surface must be free from decay and restorations.� Composite resin (white) restorations are Covered Services on posterior teeth.� Porcelain and resin facings on bridges are Covered Services on posterior teeth.� Implants and implant related services are payable once per tooth in any five-year period.

No Deductible.

Maximum Payment – $1,000 per person total per Benefit Year on all services, except cephalometric films, photos, diagnostic casts and orthodontic services (including surgical repositioning of teeth). $1,500 per person total per lifetime on cephalometric films, photos, diagnostic casts and orthodontic services (including surgical repositioning of teeth).

Dependent Age Limit – Dependents are covered up to age 26.

Eligible People – The subscriber (you) is eligible for dental benefits when your employer or organization notifies Delta Dental.

Also eligible at your option are your legal spouse and your children who meet the age requirements noted above. You and your eligible dependents must enroll for a minimum of 12 months. If coverage is terminated after 12 months, you may not re-enroll prior to the open enrollment that occurs at least 12 months from the date of termination. Your dependents may only enroll if you are enrolled (except under COBRA) and must be enrolled in the same plan as you. Plan changes are only allowed during open enrollment periods, except that an election may be revoked or changed at any time if the change is the result of a qualifying event as defined under Internal Revenue Code Section 125.

If you and your spouse are both eligible under this Contract, you may be enrolled as both a Subscriber on your own application and as a dependent on your spouse's application. Your dependent children may be enrolled on both applications as well. Delta Dental will coordinate benefits.

Benefits will cease on the last day of the month in which the employee is terminated.

Rates (per pay period):

Employee Only: $13.04 Employee + Spouse: $31.33 Employee + Child(ren): $36.98 Family: $48.23

This Summary of Dental Plan Benefits should be read along with your Certificate. Your Certificate provides

additional information about your Delta Dental plan, including information about plan exclusions and limitations.

If a statement in this Summary conflict with a statement in the Certificate, the statement in this Summary applies

to you and you should ignore the conflicting statement in the Certificate. The percentages above are applied to

Delta Dental's allowance for each service and it may vary due to the dentist's network participation.*

Group Short-Term Disability

How long can you afford to go without a paycheck?

Short Term Disability provides income replacement to help make ends

meet if you become disabled from a covered accident or sickness.

Short Term Disability Benefits: THREE OPTIONS AVAILABLE� 60% of your weekly earnings.

� Benefits Paid In Addition to sick pay compensation.

� 3 Benefit Options-

a. Elimination Period 1/8 (Accident/Sickness); pays up to 13 weeks.

b. Elimination Period 8/15 (Accident/Sickness); pays up to 12 weeks.

c. Elimination Period 30/30 (Accident/Sickness); pays up to 9 weeks.

*Pre-Existing Condition Limitation: 6/6/12 Treatment Free/Lookback/Continuously

Insured.

*Employees with existing disability coverage may be subject to the pre-existing condition

limitation.

GroupLongTermDisability

Helpgiveyourpaychecktheprotectionthatlifemay

notprovide!

Everysecond,adisablinginjurychangessomeone’slife.Accidents

arenottheonlycauseofadisability.Backpain,heartdiseaseand

otherillnessesarethereasonsforamajorityoflong-term

absencesandcanhappentoanyone.

Whateverthecause,adisabilitycanmeanmonthsoutofwork,

withoutapaycheck.ButwithLong-TermDisabilityInsurance

youcanprotectyourincomeandcontinuetoprovideforyourself

andyourlovedones.

LongTermDisabilityBene"its:

� $%%ofyourcurrentsalaryupto'$%%%monthly.

� (%-dayelimination(orwaiting)period.

� MinimumMonthlyBene"it-Greaterof'-%%or-%%of

income.

*Pre-ExistingConditionLimitation:�/�/��TreatmentFree/Lookback/Continuously

Insured

Group Term Life

With Accidental Death & Dismemberment

A sudden death or accident can change everything. Life insurance with

Accidental Death and Dismemberment (AD&D) insurance helps keep you

covered in case an untimely death or accident destroys your income-earning

ability.

Supplemental Employee Life & AD&D

� Increments of $10,000, subject to a maximum of 5 x salary.

� Amount available up to $200,000.

� Portability/Convertibility Options available when employment ends.

Supplemental Spouse Life & AD&D

� Increments of $5,000 to a maximum of $50,000.

� Spouse Guarantee Issue - $50,000.

� Portability/Convertibility Options available when employment ends.

Dependent Child(ren) Life Coverage

� $10,000 benefit available for each dependent child.

* Employee required to take coverage in order for spouse and child(ren) to qualifyfor coverage.

*Spouse coverage cannot exceed the employee coverage amount up to $50,000.*Dependent child guidelines to age 18 unless:

• Full – Time Student

• Unmarried and• Partially or wholly dependent on covered parent for support

*Benefits available to New Employees without Underwriting.

Accident Insurance

Accidents happen in places where you and your family spend

the most time – at work, in the home and on the playground – and

they’re unexpected. How you care for them shouldn’t be.

In your lifetime, which of these accidental injuries have happened to you or someone you know?

Sports-related accidental injury

Broken bone

Burn

Concussion

Laceration

Back or knee injuries

Colonial Life’s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benefit to you is that you may not need to use your savings or secure a loan to pay expenses. Plus, you’ll feel better knowing you can have greater financial security.

Car accidents

Falls & spills

Dislocation

Accidental injuries that send you to the emergency room, urgent care or doctor’s office

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What additional features are included?

Worldwide coverage

Portable

Compliant with Health Savings Account (HSA) guidelines

Will my accident claim payment be reduced if I have other insurance?You’re paid regardless of any other insurance you may have with other insurance companies, and the benefits are paid directly to you (unless you specify otherwise).

What if I change employers?

If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premiums when they are due or within the grace period.

Can my premium change?

Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued.

How do I file a claim?

Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.

Your Colonial Life policy also provides benefits for the following injuries received as a result of a covered accident.

Burn (based on size and degree) ....................................................................................$1,000 to $12,000

Coma .............................................................................................................................................................$10,000

Concussion .........................................................................................................................................................$60

Emergency Dental Work .......................................$75 Extraction, $300 Crown, Implant, or Denture

Lacerations (based on size) ...........................................................................................................$30 to $500

Requires Surgery Eye Injury ...........................................................................................................................................................$300

Tendon/Ligament/Rotator Cuff ..........................................................$500 - one, $1,000 - two or more

Ruptured Disc ..................................................................................................................................................$500

Torn Knee Cartilage .......................................................................................................................................$500

Surgical Care Surgery (cranial, open abdominal or thoracic) ................................................................................ $1,500

Surgery (hernia) ..............................................................................................................................................$150

Surgery (arthroscopic or exploratory) ....................................................................................................$200

Blood/Plasma/Platelets ................................................................................................................................$300

Benefits listed are for each covered person per covered accident unless otherwise specified.

Initial Care

Accident Emergency Treatment........... $125 Ambulance .......................................$200

X-ray Benefit ...................................................$30 Air Ambulance ............................. $2,000

Common Accidental Injuries

Dislocations (Separated Joint) Non-Surgical Surgical

Hip $2,200 $4,400

Knee (except patella) $1,100 $2,200

Ankle – Bone or Bones of the Foot (other than Toes) $880 $1,760

Collarbone (Sternoclavicular) $550 $1,100

Lower Jaw, Shoulder, Elbow, Wrist $330 $660

Bone or Bones of the Hand $330 $660

Collarbone (Acromioclavicular and Separation) $110 $220

One Toe or Finger $110 $220

Fractures Non-Surgical Surgical

Depressed Skull $2,750 $5,500

Non-Depressed Skull $1,100 $2,200

Hip, Thigh $1,650 $3,300

Body of Vertebrae, Pelvis, Leg $825 $1,650

Bones of Face or Nose (except mandible or maxilla) $385 $770

Upper Jaw, Maxilla $385 $770

Upper Arm between Elbow and Shoulder $385 $770

Lower Jaw, Mandible, Kneecap, Ankle, Foot $330 $660

Shoulder Blade, Collarbone, Vertebral Process $330 $660

Forearm, Wrist, Hand $330 $660

Rib $275 $550

Coccyx $220 $440

Finger, Toe $110 $220

Transportation/Lodging Assistance

If injured, covered person must travel more than 50 miles from residence to receive special treatment and confinement in a hospital.

Transportation .............................................................................$500 per round trip up to 3 round trips

Lodging (family member or companion) ...............................................$125 per night up to 30 days for a hotel/motel lodging costs

Accident Hospital Care Hospital Admission* ........................................................................................................ $1,250 per accident

Hospital ICU Admission* ................................................................................................ $2,500 per accident

* We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.

Hospital Confinement ......................................................... $250 per day up to 365 days per accident

Hospital ICU Confinement ...................................................$500 per day up to 15 days per accident

Accident Follow-Up Care Accident Follow-Up Doctor Visit .......................................................... $50 (up to 3 visits per accident)

Medical Imaging Study ......................................................................................................$150 per accident (limit 1 per covered accident and 1 per calendar year)

Occupational or Physical Therapy ..................................................... $25 per treatment up to 10 days

Appliances .......................................................................................... $100 (such as wheelchair, crutches)

Prosthetic Devices/Artificial Limb .................................................. $500 – one, $1,000 – more than 1

Rehabilitation Unit .................................................$100 per day up to 15 days per covered accident, and 30 days per calendar year.

Maximum of 30 days per calendar year

Accidental Dismemberment Loss of Finger/Toe .................................................................................$750 – one, $1,500 – two or more

Loss or Loss of Use of Hand/Foot/Sight of Eye .....................$7,500 – one, $15,000 – two or more

Catastrophic Accident

For severe injuries that result in the total and irrecoverable:

Loss of one hand and one foot Loss of the sight of both eyes

Loss of both hands or both feet Loss of the hearing of both ears

Loss or loss of use of one arm and one leg or Loss of the ability to speak

Loss or loss of use of both arms or both legs

Named Insured ................ $25,000 Spouse ..............$25,000 Child(ren) .........$12,500

365-day elimination period. Amounts reduced for covered persons age 65 and over.

Payable once per lifetime for each covered person.

Accidental Death

Accidental Death Common Carrier

Named Insured $50,000 $100,000

Spouse $50,000 $100,000

Child(ren) $10,000 $20,000

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Colonial Life

1200 Colonial Life BoulevardColumbia, South Carolina 29210

coloniallife.com

©2014 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

Health Screening Benefit $50 per covered person per calendar year

Provides a benefit if the covered person has one of the health screening tests performed. This benefit is payable once per calendar year per person and is subject to a 30-day waiting period.

Tests include:

Blood test for triglycerides

Bone marrow testing

Breast ultrasound

CA 15-3 (blood test for breast cancer)

CA125 (blood test for ovarian cancer)

Carotid doppler

CEA (blood test for colon cancer)

Chest x-ray

Colonoscopy

Echocardiogram (ECHO)

Electrocardiogram (EKG, ECG)

Fasting blood glucose test

Flexible sigmoidoscopy

Hemoccult stool analysis

Mammography

Pap smear

PSA (blood test for prostate cancer)

Serum cholesterol test to determine level of HDL and LDL

Serum protein electrophoresis (blood test for myeloma)

Stress test on a bicycle or treadmill

Skin cancer biopsy

Thermography

ThinPrep pap test

Virtual colonoscopy

My Coverage Worksheet (For use with your Colonial Life benefits counselor)

Who will be covered? (check one)

Employee Only Spouse Only One Child Only Employee & Spouse

One-Parent Family, with Employee One-Parent Family, with Spouse Two-Parent Family

When are covered accident benefits available? (check one)

On and Off -Job Benefits Off -Job Only Benefits

We will not pay benefits for losses that are caused by or are the result of: hazardous avocations; felonies or illegal occupations; racing; semi-professional or professional sports; sickness; suicide or self-inflicted injuries; war or armed conflict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benefit for injuries that are caused by or are the result of: birth; intoxication.

For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form Accident 1.0-HS-KY. This is not an insurance contract and only the actual policy provisions will control.

For more information, talk with your

benefits counselor.

Group Hospital Confinement Indemnity InsurancePlan 3

GROUP MEDICAL BRIDGE – PLAN 3

Group Medical BridgeSM insurance can help with medical costs that your health insurance may not cover. These benefits are available for you, your spouse and eligible dependent children.

Hospital confinement benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$_______________ per dayMaximum of one day per covered person per calendar year

Emergency room visit benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$150 per dayMaximum of one day per covered person per calendar year

Diagnostic procedure benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$_______________ per dayMaximum of one day per covered person per calendar year

Outpatient surgical procedure benefit � Tier 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $_______________ per day

� Tier 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $_______________ per day

Maximum of $________________ per covered person per calendar year for Tier 1 and 2 combined Maximum of one day per outpatient surgical procedure

Diagnostic proceduresThe following is a list of common diagnostic procedures that may be covered.

� Breast– Biopsy (incisional, needle, stereotactic)

� Cardiac– Angiogram– Arteriogram– Thallium stress test– Transesophageal echocardiogram (TEE)

� Diagnostic radiology– Computerized tomography scan (CT scan)– Electroencephalogram (EEG)– Magnetic resonance imaging (MRI)– Myelogram– Nuclear medicine test– Positron emission tomography scan (PET scan)

� Digestive– Barium enema/lower GI series– Barium swallow/upper GI series– Esophagogastroduodenoscopy (EGD)

� Ear, nose, throat, mouth– Laryngoscopy

� Gynecological– Amniocentesis– Cervical biopsy– Cone biopsy– Endometrial biopsy– Hysteroscopy– Loop electrosurgical excisional procedure (LEEP)

� Liver– Biopsy

� Lymphatic– Biopsy

� Miscellaneous– Bone marrow aspiration/biopsy

� Renal– Biopsy

� Respiratory– Biopsy– Bronchoscopy– Pulmonary function test (PFT)

� Skin– Biopsy– Excision of lesion

� Thyroid– Biopsy

� Urinary– Cystoscopy

1,000

500

500

1,000

1,500

EXCLUSIONS We will not pay benefits for losses which are caused by: intoxicants, narcotics and hallucinogenics, dental procedures, elective procedures, cosmetic surgery, felonies or illegal occupations, pregnancy of a dependent child, psychiatric or psychological conditions, suicide, intentional injuries, war, armed forces service or giving birth within the first nine months after the certificate effective date. We will not pay benefits for hospital confinement of a newborn who is neither injured nor sick. We will not pay benefits for loss during the first 12 months after the effective date due to a pre-existing condition, which means a sickness or physical condition for which a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months before the certificate effective date.

For cost and complete details, see your Colonial Life benefits counselor. Applicable to certificate number GMB1.0-C-KY-R. This is not an insurance contract and only the actual certificate provisions will control.

ColonialLife.com

©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 1-15 | 100026-2-KY

� Breast– Breast reduction

� Cardiac– Angioplasty– Cardiac catheterization

� Digestive– Exploratory laparoscopy– Laparoscopic appendectomy– Laparoscopic cholecystectomy

� Ear, nose, throat, mouth– Ethmoidectomy– Mastoidectomy– Septoplasty– Stapedectomy– Tympanoplasty– Tympanotomy

� Eye– Cataract surgery– Corneal surgery (penetrating keratoplasty)– Glaucoma surgery (trabeculectomy)– Vitrectomy

Tier 2 outpatient surgical procedures � Gynecological– Myomectomy

� Musculoskeletal system– Arthroscopic knee surgery with meniscectomy

(knee cartilage repair)– Arthroscopic shoulder surgery– Clavicle resection– Dislocations (open reduction with

internal fixation)– Fracture (open reduction with

internal fixation)– Removal or implantation of cartilage– Tendon/ligament repair

� Thyroid– Excision of a mass

The surgeries listed below are only a sampling of the surgeries that may be covered. Surgeries must be performed by a doctor in a hospital or ambulatory surgical center. For complete details and definitions, please refer to your certificate.

Tier 1 outpatient surgical procedures � Breast– Axillary node dissection– Breast capsulotomy– Breast reconstruction– Lumpectomy

� Cardiac– Pacemaker insertion

� Digestive– Colonoscopy– Fistulotomy– Hemorrhoidectomy (external)– Lysis of adhesions

� Skin– Laparoscopic hernia repair– Skin grafting

� Ear, nose, throat, mouth– Adenoidectomy– Removal of oral lesions– Myringotomy– Tonsillectomy– Tracheostomy

� Gynecological– Dilation and curettage (D&C)– Endometrial ablation– Lysis of adhesions

� Liver– Paracentesis

� Musculoskeletal system– Carpal/cubital repair or release– Dislocation (closed reduction treatment)

other than a finger or toe– Foot surgery (bunionectomy, exostectomy,

arthroplasty, hammertoe repair)– Fracture (closed reduction treatment)

other than a rib, finger or toe– Removal of orthopedic hardware– Removal of tendon lesion

Specified Critical Illness

Insurance

How will you pay for what your health insurance won’t?Even those of us who plan for the unexpected with life, disability and health insurance may discover that some expenses can still remain unpaid. Without adequate protection, sufferers of critical illnesses might

have to pull from their savings or rely on other financial sources in their time of need.

Specified Disease Insurance helps fill the gaps in your health insurance.

With Colonial Life’s Specified Critical Illness Insurance, you’re paid a benefit that can help you cover:

Deductibles, co-pays and co-insurance of your health insurance

Home health care needs and household modifications

Travel expenses to and from treatment centers

Lost income

Rehabilitation

Child care expenses

Everyday living expenses

You’re free to use the benefit however you choose.

And coverage is available for you and your eligible family members.

Covered Specified Critical Illnesses

For this illness…We will pay this percentage

of the face amount:

Heart Attack (Myocardial Infarction) 100%

Stroke 100%

Major Organ Failure 100%

End Stage Renal (Kidney) Failure 100%

Permanent Paralysis due to a Covered Accident 100%

Coma 100%

Blindness 100%

Occupational Infectious HIV or Occupational Infectious Hepatitis B, C or D 100%

Coronary Artery Bypass Graft Surgery 25%

The Maximum Benefit Amount for this policy is 3x the face amount for the Named Insured for all covered persons combined. The policy will terminate when the Maximum Benefit Amount for Specified Critical Illness has been paid.

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Colonial Life

1200 Colonial Life Boulevard

Columbia, South Carolina 29210

coloniallife.com

5/11

©2011 Colonial Life & Accident Insurance Company.

Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

Colonial Life and Making benefits count are registered service marks of Colonial Life & Accident Insurance Company.

You can use this coverage more than onceSubsequent Diagnosis…

of a different Specified Critical Illness

If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with a different Specified

Critical Illness, we will pay the percentage of the original face amount.

Subsequent Diagnosis…

of the same Specified Critical Illness

If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with the same Specified Critical Illness (except those listed below), we will pay 25% of the original face amount. (Critical illnesses that do not qualify are: Coronary Artery Bypass Graft Surgery and Occupational Infectious HIV or Occupational Infectious Hepatitis B, C or D.)

Dates of Diagnoses of Specified Critical Illnesses must be separated by at least 180 days.

Health Screening BenefitNew technology can help improve your chances of surviving a serious illness through early detection and

treatment. We will pay this benefit if any covered person incurs a charge for and has any of the following

screening tests performed while your policy is in force.

Stress test on a bicycle or treadmill

Serum cholesterol test to determine levels of HDL and LDL

Carotid doppler

Electrocardiogram (ECG/EKG)

Echocardiogram (ECHO)

Chest x-ray

Colonoscopy

Mammography

Pap smear

PSA (blood test for prostate cancer)

24 tests included – No Lifetime Limit

This policy has exclusions and limitations. Premium will vary based on plan chosen. This is not an insurance contract and

only the actual policy provisions will control. For cost and complete details of the coverage, see your Colonial Life benefits

counselor. Applicable to policy form CI-1.0 or CI-1.0-PL6 (including state abbreviations where used,such as CI-1.0-TX).

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$50 per covered persion per calendar year.

Cancer Insurance

How would cancer impact your way of life?Hopefully, you and your family will never face cancer. If you do, a financial safety net can help you and your loved ones focus on what matters most — recovery.

If you were diagnosed with cancer, you could have expenses that medical insurance doesn’t cover. In addition to your regular, ongoing bills, you could have indirect treatment and recovery costs, such as child care and home health care services.

Help when you need it mostCancer coverage from Colonial Life & Accident Insurance Company can help protect the lifestyle you’ve worked so hard to build. It provides benefits you can use to help cover:

■ Loss of income

■ Out-of-network treatment

■ Lodging and meals

■ Deductibles and co-pays

CANCER ASSIST

Paul and Kim were preparing for their second child when they learned Paul had cancer. They quickly realized their medical insurance wouldn’t cover everything. Thankfully, Kim’s job enabled her to have a cancer insurance policy on Paul to help them with expenses.

Paul’s wellness benefit helped pay for the screening that discovered his cancer.

When the couple traveled several hundred miles from their home to a top cancer hospital, they used the policy’s lodging and transportation benefits to help with expenses.

The policy’s benefits helped with deductibles and co-pays related to Paul’s surgery and hospital stay.

SURGERY SECOND OPINION DOCTOR’S SCREENING

Wellness benefit Travel expenses Out-of-pocket costs

One family’s journey

With cancer insurance:■ Coverage options are available for you

and your eligible dependents.

■ Benefits are paid directly to you, unless you specify otherwise.

■ You’re paid regardless of any insuranceyou may have with other companies.

■ You can take coverage with you, even if you change jobs or retire.

American Cancer Society, Cancer Facts & Figures, 2013

For illustrative purposes only

ONLY of ALLCANCERSare hereditary.

Paul has been cancer-free for more than four years. His cancer policy provides a benefit for periodic scans to help ensure the cancer stays in check.

Paul used his plan’s benefits to help pay for experimental treatments not covered by his medical insurance.

TREATMENT RECOVERY

Experimental care Follow-up evaluations

Our cancer insurance offers more than 30 benefits that can help you with costs that may not be covered by your medical insurance.

Treatment benefits (inpatient or outpatient)

■ Radiation/chemotherapy

■ Anti-nausea medication

■ Medical imaging studies

■ Supportive or protective care drugs and colony stimulating factors

■ Second medical opinion

■ Blood/plasma/platelets/immunoglobulins

■ Bone marrow or peripheral stem cell donation

■ Bone marrow or peripheral stem cell transplant

■ Egg(s) extraction or harvesting/sperm collection and storage

■ Experimental treatment

■ Hair/external breast/voicebox prosthesis

■ Home health care services

■ Hospice (initial or daily care)

Surgery benefits■ Surgical procedures

■ Anesthesia

■ Reconstructive surgery

■ Outpatient surgical center

■ Prosthetic device/artificial limb

Travel benefits■ Transportation

■ Companion transportation

■ Lodging

Inpatient benefits■ Hospital confinement

■ Private full-time nursing services

■ Skilled nursing care facility

■ Ambulance

■ Air ambulance

Additional benefits■ Family care

■ Cancer vaccine

■ Bone marrow donor screening

■ Skin cancer initial diagnosis

■ Waiver of premiumAmerican Cancer Society, Cancer Facts & Figures, 2013

LIFETIME RISK OF DEVELOPING CANCER

MEN1 in 2

WOMEN1 in 3

Cancer insurance provides benefits to help with cancer expenses — from diagnosis to recovery.

ColonialLife.com

WAITING PERIODThe policy and its riders may have a waiting period. Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable. If your cancer has a date of diagnosis before the end of the waiting period, coverage for that cancer will apply only to losses commencing after the policy has been in force for two years, unless it is excluded by name or specific description in the policy.

EXCLUSIONSWe will not pay benefits for cancer or skin cancer:

■ If the diagnosis or treatment of cancer is received outside of the territorial limits of the United States and its possessions; or

■ For other conditions or diseases, except losses due directly from cancer.

The policy and its riders may have additional exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Applicable to policy form CanAssist and rider forms R-CanAssistIndx, R-CanAssistProg and R-CanAssistSpDis (including state abbreviations where applicable, for example: CanAssist-TX).

Optional ridersFor an additional cost, you may have the option of purchasing additional riders for even more financial protection against cancer. Talk with your benefits counselor to find out which of these riders are available for you to purchase.

■ Initial diagnosis of cancer rider — Pays a one-time, lump-sum benefit for the initial diagnosis of cancer. You may choose a benefit amount in $1,000 increments between $1,000 and $10,000. If your dependent child is diagnosed with cancer, we will pay two and a half times ($2,500 - $25,000) the chosen benefit amount.

■ Initial diagnosis of cancer progressive payment rider — Provides a lump-sum payment of $50 for each month the rider has been in forceafter the waiting period and before cancer is first diagnosed.

■ Specified disease hospital confinement rider — Pays $300 per day if you or a covered family member is confined to a hospital for treatment for one of the 34 specified diseases covered under the rider.

If cancer impacts your life, you should be able to focus on getting better — not on how you’ll pay your bills. Talk with your Colonial Life benefits counselor about how cancer insurance can help provide financial security for you and your family.

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For more information, talk with your

benefits counselor.

To encourage early detection,our cancer insurance offers benefits for wellness and health screening tests.

Part one: Cancer wellness/health screening $100Provided when one of the tests listed below is performed after the waiting period and while the policy is in force. Payable once per calendar year, per covered person.

Cancer wellness tests■ Bone marrow testing■ Breast ultrasound■ CA 15-3 (blood test for breast cancer)■ CA 125 (blood test for ovarian cancer)■ CEA (blood test for colon cancer)■ Chest X-ray■ Colonoscopy■ Flexible sigmoidoscopy■ Hemoccult stool analysis■ Mammography■ Pap smear■ PSA (blood test for prostate cancer)■ Serum protein electrophoresis

(blood test for myeloma)■ Skin biopsy■ Thermography■ ThinPrep pap test■ Virtual colonoscopy

Part two: Cancer wellness — additional invasive diagnostic test or surgical procedureProvided when a doctor performs a diagnostic test or surgical procedure after the waiting period as the result of an abnormal result from one of the covered cancer wellness tests in part one. We will pay the benefit regardless of the test results. Payable once per calendar year, per covered person.

Health screening tests■ Blood test for triglycerides■ Carotid Doppler■ Echocardiogram (ECHO)■ Electrocardiogram (EKG, ECG)■ Fasting blood glucose test■ Serum cholesterol test for HDL

and LDL levels■ Stress test on a bicycle or treadmill

Cancer InsuranceWellness Benefits

Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable.

The policy has exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits counselor. Coverage may vary by state and may not be available in all states. Applicable to policy form CanAssist (and state abbreviations where applicable, for example: CanAssist-TX).


CANCER ASSIST WELLNESS | 3-15 | 101486-1

Universal Life Insurance

Our Universal Life 1000 plan offers two types of

important financial protection in a single product.

The policy’s tax-free death benefit can help cover final expenses and provide financial security for a family’s future expenses, while optional riders give employees flexibility to use their death benefit for covered long-term care expenses. It’s a creative coverage solution from an industry leader with 75 years of experience helping America’s workers preserve and protect what they’ve worked so hard to build.

Talk with your Colonial Life representative to learn more about this creative coverage solution.

UNIVERSAL LIFE 1000

© 2014 Colonial Life & Accident Insurance Company Colonial Life insurance products are underwritten by

Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.

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Li

Flexible use of death benefit (optional riders available at an additional cost)

Long-term care benefit rider draws down the death benefit to help paycovered long-term care expenses*

Restoration of benefits rider restores the death benefit as it’s used forlong-term care claims

Attractive underwriting

Unlimited maximum face amount, subject to underwriting

Spouse signature not required for universal life policy or Spouse Term Rider with face amounts up to $50,000, except in states that require applicant to sign

Exception underwriting available for qualifying accounts

Family coverage options

Stand-alone policies available for spouse, children and grandchildren with noemployee policy required

Spouse Term Rider and Children’s Term Rider available on employee policy

Competitive features

Tobacco-distinct, unisex rates

Coverage for broad age ranges, up to 79

Matures at age 100

Built-in accelerated death benefit due to terminal illness

Adjustable death benefit and flexible premiums

Guaranteed 4% interest rate

Policy loans or cash withdrawals available after first policy year

Optional riders

Additional Coverage Term Rider

Waiver of Monthly Deductions Rider

Accidental Death Benefit Rider

Guaranteed Purchase Option Rider

* Known as Comprehensive Long-Term Care Insurance Rider in CA, Long-Term Care Benefit Insurance Rider in FL, Chronic Illness Accelerated Benefit Rider in MA and Long-Term Care Accelerated Death Benefit Rider in PA.

Product has exclusions and limitations that may affect benefits payable. Benefits and rider options vary by

state and may not be available in all states. See your Colonial Life benefits representative for complete details.

ColonialLife.com

Term Life Insurance

Talk with your benefits

representative to learn more

about Term Life 1000.

Product advantages

Supplements cash value life insurance during high-need years, offering the highest death benefit for the lowest cost

Can be combined with other supplemental insurance policies, such as short-term disability and cash value life, to help build an employee’s financial foundation


Unlimited maximum face amount, subject to underwriting

Post-enrollment guaranteed issue options available in accounts with 50+ employees if participation requirements are met

Simplified issue underwriting available regardless of account size or when participation requirements are not met

Non-medical underwriting (no blood profiles or examinations) is available for certain age bands and face amounts

Spouse signature not required for Spouse Term Policy or Spouse Term Rider with face amounts of $10,000, except in states that require applicant to sign

Family coverage options

Stand-alone spouse policy available with no employee policy required

Spouse Term Rider (10- and 20-year) and Children’s Term Rider available on employee policy


Three plan options (10, 20 and 30 years) offer flexibility to meet each employee’s specific needs

Broad issue age ranges, up to 75 on the 10-year plan

Tobacco-distinct, unisex rates

Guaranteed level premiums for the selected term

Annually renewable (to age 95) at guaranteed rates without proof of good health

Accelerated Death Benefit due to terminal illness

Convertible to a cash value life insurance plan (through age 75) for any amount up to the term face amount without proof of good health

Coverage is portable

Optional ridersAccidental Death Benefit Rider

Waiver of Premium Rider

Our individual Term Life 1000 plan offers financial

protection and help during challenging times.

Many employees will go through a life stage with greater financial obligations. They may need additional coverage if they’re getting married, buying a home, having a child or getting ready for retirement. When you include Term Life 1000 in your overall benefits package, you’re giving employees options to help cover final expenses from unexpected death and lessen future financial strain for their loved ones.

Product has exclusions and limitations that may affect benefits payable. Benefits and rider options vary by state and may not be available in all states. See your Colonial Life benefits representative for complete details.

ColonialLife.comTERM LIFE 1000 | 7-14 | 101431-1


Whole Life Insurance

Whether employees want the financial security of a guaranteed death benefit or access

to the plan’s cash value through a policy loan for emergency situations, whole life

insurance has the flexibility to provide both. Plus, an optional rider gives employees

flexibility to use their death benefit for covered long-term care expenses.

Flexible use of death benefit(optional rider available at an additional cost)

Long-term care benefit rider draws down the death benefit to help pay covered

long-term care expenses.

Product guarantees(as long as premiums are paid and

no loans are taken)

Death benefit won’t change.

Cash value will increase.

Premiums won’t increase.


Face amounts up to $300,000.

Guaranteed issue available.

No height/weight question on simplified issue underwriting.

Spouse signature not required for whole life policy or spouse term rider with face amounts

up to $50,000, except in states that require applicant to sign.

Family coverage options Stand-alone spouse and child policies available with no employee policy required.

Spouse term rider (10- and 20-year) and children’s term rider available on employee policy.


Two plan designs based on length of time premiums are paid (paid-up at age 65 and

paid-up at age 95).

Coverage for broad issue age ranges, up to 79 on paid-up at age 95 plan.

Tobacco-distinct, unisex rates.

Accelerated death benefit due to terminal illness.

Guaranteed purchase option allows the purchase of additional whole life coverage

at three future points with no health questions asked.

$3,000 immediate claim payment.

Policy loans available ($100 minimum).

Policy pays cash surrender value at age 100 (when the policy endows).

Coverage is portable.

Optional riders

Accidental death benefit rider pays an additional benefit if the insured dies as a result

of an accidental bodily injury.

Waiver of premium rider waives premiums on the policy and any riders attached

to it in the event of covered total disability.

WHOLE LIFE 1000 | 5-16 | 70058-5

Our whole life insurance plan offers dependable lifetime coverage,

guaranteed cash value and two types of important financial protection to help

employees during challenging times.

Talk with your benefits representative to learn more.

ColonialLife.com

Product has exclusions and limitations that may affect benefits payable. Benefits and rider options vary by state and may not be available in all states. See your Colonial Life benefits representative for complete details.


Juvenile Whole Life Insurance

JUVENILE WHOLE LIFE

45% of those who purchase juvenile life insurance do so to

lock in a low rate.

A lower rate for lifeThe whole life insurance you buy for a child or grandchild can begin a

lifetime of protection at a"ordable rates.

Juvenile whole life insurance o"ers you a way to help protect your

children against higher insurance rates they may face as adults. You

can feel good knowing you provided them with a base of coverage

they can carry into adulthood.

Why get juvenile whole life insurance?Each year without a whole life policy, the monthly cost for coverage increases.

The younger children are when you get them coverage, the lower the base

rate will be for the life of the policy.

This also protects them against the chance that an unexpected accident

or illness could make life insurance more expensive – or even unavailable –

later on.

Coverage features

Each policy covers one child. You can purchase this coverage

until the child turns 26.

The policy accumulates cash value at a guaranteed rate over

the life of the coverage.

The policy stays in force as long as you continue making payments.

You can add the accidental death benefit rider at any time.

A(er your child’s 18th birthday, you can:

– Pass ownership to your child.

– Enhance the coverage with other optional riders.Talk with your Colonial Life

benefits counselor for information about how much coverage would

work best for you.

Your cost will vary based on the amount of coverage you select.

LIMRA, 2015 Insurance Barometer Study, 2015

EXCLUSIONS AND LIMITATIONS

If the insured commits suicide within two years (one year in ND) from the coverage e$ective date or the date of reinstatement (not applicable in AR), whether he is sane or insane (not applicable in AZ), we will not pay the death benefit. We will terminate this policy and return the premiums paid, minus any loans and loan interest to you. Product may vary by state. For costs and complete details of the coverage, call or write your Colonial Life benefits counselor or the company.

This product is underwritten by Colonial Life & Accident Insurance Company.

This brochure is applicable to policy forms ICC16-WL1000J/WL1000J, rider forms ICC16-WL-ACDTH/WL-ACDTH and applicable state variations.

Additional features

Paid-up at age 65

The premium payments for the juvenile policy stop at age 65 even though coverage continues

on the insured child up to age 100.

$3,000 immediate claim payment

This payment can help meet immediate needs, such as funeral costs, by providing an initial

death benefit payment of $3,000 to the designated beneficiary.

Accelerated death benefit

If the insured child is diagnosed with a terminal illness, you can o*en request up to 75 percent

of the policy’s death benefit, up to $150,000.

Optional rider

Accidental death benefit rider

When you purchase this rider, it pays an additional benefit if the insured dies as a result of

an accident before age 70. The benefit doubles if the accident occurs while the insured is a

fare-paying passenger. An additional 25% of the accidental death benefit will be paid if the

insured dies due to an injury sustained while driving or riding in a private vehicle and wearing

a seat belt.

Additional options available at age 18(or a-er policy ownership has been passed to child)

Guaranteed purchase option

When you purchase the policy, your child has the option to purchase additional whole life

coverage – without having to answer health questions – at age 18, 21 and 24. They may

purchase up to the initial face amount, not to exceed a total combined maximum of $100,000

for all options.

Spouse term life rider

Your child can purchase term life coverage for a spouse, with a maximum death benefit of up to

$50,000. 10-year and 20-year coverage periods are available. They can choose to convert this

coverage to a cash value policy within certain time periods later on – without having to answer

health questions.

Children’s term life rider

Your child may purchase up to $10,000 in term life coverage for all of their eligible dependent

children and pay one premium. They can later convert this coverage to a cash value life

insurance policy – without having to answer health questions – upon their 70th birthday or the

child’s 25th birthday, whichever comes first. They can add this additional coverage to either

the primary or the spouse policy, but not both.To learn more,

talk with your Colonial Life

benefits counselor.

ColonialLife.com

©2016 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 6-16 | 101721

RETIREMENT

As years go by, know they’re protected by the coverage you purchased.

CHILDREN

They can extend coverage as their family grows.

WEDDING

They can purchase coverage on a new spouse.

FIRST JOB

Provide a base to build on as they establish themselves.

18TH BIRTHDAY

Give them ownership of their policy as they take more control of their future.

CHILDHOOD

They grow up so fast. Get them o% to a great start.

GIVE A GIFT THAT LASTS A LIFETIME

Getting started

The easiest way to manage your

business with us is through

ColonialLife.com. To sign up for

the website, click Register at the

top right of the home page and

follow the instructions.

Consider your options

At Colonial Life, our goal is to give you an excellent customer

experience that is simple, modern and personal. For your

convenience, you can choose how you interact with us. For the

quickest service, we recommend using our website, which lets you

do the following:

Review, print or download a copy of your policy/certificate

Update contact information

Access service forms

Submit your claim using our eClaims system

Check the status of your claim and view claims correspondence

Access claim forms

Policyholder Service Guide

eClaims are quick and easy

With the eClaims feature on ColonialLife.com, you can file most claims online by simply answering a few questions and uploading your supporting documentation. You’re able to spend less time on paperwork, and we’re

able to process your claim faster.

You can access eClaims through your computer or mobile device and

upload any required supporting documentation.

Once you’re logged in to ColonialLife.com, visit the Claims Center and

select File an Online Claim to get started.

Paper claims

If you don’t want to file online, download the form you need by visiting

the Claims Center page on ColonialLife.com and clicking on claims and

service forms.

Follow the instructions, tips and videos to complete and submit

your claim.

Your policy and certificates are located under the

My Correspondence tab.

ColonialLife.com

Contact us

Online

ColonialLife.com

Log in and click on

Contact Us

Telephone

1-800-325-4368

Hearing-impaired customers

803-798-4040

If you do not have a TDD,

call Voiance Telephone

Interpretation Services.

844-495-6105

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Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2016 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.

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9 Employee Benefit Booklet

Documents

Transcript of 9 Employee Benefit Booklet