VOLUNTARY BENEFIT OPTIONS Voluntary benefits are the deep cut tracks that still have you singing along. These can provide you with covered benefits on top of the coverage you have on your health, disability or life insurance. Unless otherwise specified, you can enroll yourself, your spouse or your children in these benefits.
COLONIAL LIFE VOLUNTARY BENEFITS
• Accident Insurance — Provides benefits for injuries resulting from covered accidents, such as fractures, burns and lacerations, as well as for doctor’s office or emergency room visits, ambulance charges, X-rays, and physical therapy. • Cancer Insurance — Helps offset the covered out-of-pocket medical and indirect, non-medical expenses related to cancer, including benefits for diagnosis and treatment. This coverage also provides a benefit for specified cancer screening tests. • Critical Illness Insurance — Supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness, such as heart attack (myocardial infarction), end-stage renal failure, coronary artery bypass surgery, stroke or major organ transplant. Provides an annual health screening benefit for covered tests. Cancer benefit is optional at an additional cost. • Hospital Confinement Indemnity Insurance — Provides a lump-sum benefit for a covered hospital confinement to help cover copayments and deductibles that are not covered by most major medical plans. • Whole Life Insurance — Provides death benefit coverage that you can increase or decrease as your needs change. The policy builds cash value on a tax-deferred basis at current interest rates, and premium payments are flexible.
NOTE: Policies have limitations and exclusions that may affect benefits payable. Ask your Colonial Life Benefits Counselor for complete details. In New York Colonial Voluntary Benefits are underwritten by the Paul Revere Life Insurance Company.
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