Short Term Disability Insurance:
No one wants to think he or she might become injured in an off-the-job accident, or come down with an acute or chronic illness. An auto accident, a fall, an unexpected heart problem, or even an expected maternity leave can impact your financial security.
Short Term Disability insurance provides the financial protection you may need during the allowable period of disability by paying you a weekly benefit as outlined in your plan documents.
Critical Illness Insurance:
Having a Critical Illness policy may help you pay for expenses you could incur when diagnosed with a covered illness such as a heart attack, stroke, coma, major organ failure and possibly cancer.
In general, under a Critical Illness policy you can receive a lump-sum benefit payment upon diagnosis of the covered condition to use as you see fit. This benefit can be used to help offset your income, pay for deductibles and copays, apply towards your regular living expenses, or even pay for transportation so your loved ones can be with you.
If you or your covered dependents experience an injury such as broken bones, torn ligaments, burns, or other covered injuries due to an accident, Accident coverage can provide you with a lump-sum benefit based on the type of treatment you need. The benefits you receive may cover expenses incurred from emergency room treatment, hospitalization, surgery, medical appliances, lodging, and certain follow-up therapy services. These benefits are generally paid in addition to and regardless of other coverage you may have (i.e. health insurance).
Chances are you know someone who’s been affected, directly or indirectly, by cancer. You also know the toll it’s taken on them – physically, emotionally, and financially. This plan pays a cash benefit upon initial diagnosis of a covered cancer, with a variety of other benefits payable throughout cancer treatment. You can use these cash benefits to help pay out-of-pocket medical expenses, the rent or mortgage, groceries, or utility bills – the choice is yours.
This is the best selection of hospital-related benefits to help with expenses not covered by major medical, which can help prevent high deductibles and out-of-pocket expenses from derailing your life plans.
Almost half of U.S. households are under insured, so Colonial offers supplementary Life Insurance to help protect your family’s way of life.
Please visit the Aflac Member Site linked below to manage your voluntary benefits.
Please visit the Colonial Member claims site linked below to file a claim.