Welcome [] · After 30 days, $400 daily $400 daily for first 30 days in Intensive Care Maximum...

Welcome

Voluntary Supplemental Benefits

Hal Doyle

www.coloniallife.com

o Why are we here?

o Review your entire benefits program

o Talk about how to enroll

o Who to see, and when to see them

o Assist you in the selection of all benefits

o Sign up and activate


o“If something happened to me TODAY, could I o Pay my rent or mortgage?

o Put food on my table?

o Keep my car on the road?

o Pay my bills? (especially heating and electricity)

o Provide for my children?

o Can you support or maintain your lifestyle in the face of

reducing personal assets to meet your expenses?

Accident Care

o An on-the-job accident occurs every eight seconds

o Approximately 22% of the injury visits to an emergency room are the result of

sports-related activities for persons between the age of 5 and 22

o Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident.

o Provides benefits for initial care and treatment, in addition to some follow-up care that you may need.

www.coloniallife.com www.coloniallife.com


Accident Care

Initial Care - $150 ER benefit, $100 Ambulance benefit, $50 Doctors Office benefit

Injury Benefits – Broken bones, dislocations, burns, concussions, lacerations, and more

Hospitalization - $750 on admission, $200 daily for 365 days

Other benefits – Follow-up doctor visits, physical therapy, wheelchairs, crutches, accidental death

Optional benefits include – wellness benefit, sickness hospitalization and spouse disability

Off-Job Only or On/Off-Job benefits are available. On-the-Job benefits DO NOT interact with workers compensation.

The base accident plan required NO HEALTH QUESTIONS

Sickness hospital rider will require certain health questions be answered.

Medical Bridge 3000 - Hospital Confinement Indemnity Insurance

Designed to supplement your existing major medical coverage.

Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as:

Deductibles or co-payments.

Transportation to and from the hospital.



Colonial Life Medical Bridge 3000

Hospital Confinement Indemnity Insurance

Lump-sum benefit helps you to off-set the expenses associated with hospital related services, such as:

Hospital Confinement – pays a $500 per in-patient admission

Outpatient surgery - $500 or $1000 depending on procedure ($1500 annual maximum)

$250 for hospital based diagnostic tests (payable once annually)

$150 ER visits for accidents or sickness (payable once annually)

Wellness benefit - $50 annually for 18 different tests

Rehabilitation benefit - $100 daily for 15 days (30 days annual maximum) o Coverage available for Employees, Spouse and Children o GUARANTEED ISSUE for new employees!!

Group Cancer 1000

o The risk of developing cancer is, unfortunately, very real

o The lifetime risk for men is 1 of 2, and for women 1 of 3

o Cancer costs exceed $174 Billion annually in the U.S.

o Primarily indirect and hidden costs

o Major Medical typically covers 35% of Direct Costs

o YOU pay indirect expenses -- 65% of total costs!

o Improved treatment and screening make cancer more detectable and survivable than ever.

o 5-year survival rate for screening accessible cancer is 80%

o It could be as high as 95% if everyone took advantage of regular screening



Group Cancer 1000

Helps protect you against the indirect expenses associated with cancer

Benefits payable for:

Cancer Screen/Wellness Benefits - $75 annually

Hospital confinement - $200 daily for the first 30 days

After 30 days, $400 daily

$400 daily for first 30 days in Intensive Care

Maximum confinement/ICU benefit = 180 days

Radiation/chemotherapy - $225 daily, $7500 annual maximum

Monthly maximums' apply depending on delivery method

Transportation – 50cents/mile for $700 mile round trip. Payable for insured and traveling companion

Lodging - $50/night for 70 nights

Additional First Diagnosis benefit, lump sum payable upon diagnosis of any internal cancer.

NOTE: THIS PLAN IS GUARANTEED ISSUE FOR NEW EMPLOYEES


Colonial Life Group Critical Illness

Helps protect your financial security if you experience a specified critical illness

Heart attack (myocardial infarction)

Stroke

Transplant (as a result of heart failure)

End Stage Renal Failure

Transplant as the result of a major organ failure other than heart

Bypass surgery (as a result of coronary artery disease)

Blindness

Permanent Paralysis (due to a covered accident)

Pays a lump-sum benefit upon diagnosis

Up to $50,000 for employees - GUARANTEED ISSUE UP TO $20,000

Spouse benefit is 50% of employee benefit, Dependent benefit is 25%

o All Colonial Life Plans are: o Guaranteed Issue – For new employees during their

initial eligibility – NO HEALTH QUESTIONS o Guaranteed renewable – once issued you never have

to “reapply” as long as the premium is paid o Portable – Accident Care and Medical Bridge are

portable – keep the coverage at the same price even if you change jobs

o Convertible – Group Cancer and Group Critical Illness may be converted to individual policies no question asked for the EMPLOYEE (spouse and dependent coverage may NOT be converted).


Welcome [] · After 30 days, $400 daily $400 daily for first 30 days in Intensive Care Maximum...

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