RurAL CAP. April, 2017 Employee Benefits Booklet
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1 RurAL CAP April, 2017 Employee Benefits Booklet
2
3 TABLE OF CONTENTS Who We Are...4 Disability Insurance...5 Group Accident Insurance...6 Group Hospital Confinement Indemnity Insurance...7 Group Specified Disease Insurance...8 Group Term Life Insurance...9 Youville...10 Contact Information...12
4 Who we are For 75 years, Colonial Life has helped America s workers preserve and protect the vitally important things they ve worked so hard to build, even during unexpected events and challenging times. You can rely on us. As a trusted industry leader, we: Have a long history of consistently strong industry ratings and profitable growth. Provide a higher standard of benefits communication and education, enrollment capabilities and customer service. Operate in 49 states, the District of Columbia and Puerto Rico. In New York, similar products and services, if approved, are underwritten by The Paul Revere Life Insurance Company. Help more than 80,000 businesses and organizations, and more than 3 million policyholders. 1 How voluntary benefits can help you We offer a comprehensive portfolio of voluntary benefits, or supplemental insurance products, designed to help provide additional financial protection when you need it most. These products can enhance your current benefits package in a variety of ways. Some of our voluntary benefits can help you pay for what your medical insurance may not cover, such as deductibles and co-payments, while others can help protect your income and maintain your family s way of life. Our voluntary benefits are backed with professional, personal service from a team that s passionate about helping you during your time of need. Advantages of voluntary benefits With most plans: 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 other insurance you may have with other companies. You can take coverage with you, even if you change jobs or retire. Talk with your benefits counselor to learn more, or visit ColonialLife.com. 1 Colonial Life & Accident Insurance Company corporate records as of year-end
5 Disability Insurance If you got sick or hurt and couldn t work, how long could you go without a paycheck? In today s economy, it d be difficult losing just one paycheck. But a disability could have you out of work for days, weeks, months or even a year. Disability insurance from Colonial Life & Accident Insurance Company can help protect your income, so you can maintain your way of life. Features of Colonial Life s Disability Insurance income protection coverage: You re paid regardless of any other insurance you may have with other insurance companies. Benefits are paid directly to you, unless you specify otherwise. You may choose the amount of your disability benefits to meet your needs, subject to income. You can take your coverage with you if you change jobs or leave your employer. Talk with your Colonial Life benefits counselor to learn more about disability insurance and how it can help protect your paycheck. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 5
6 Group Accident Insurance Accidents can happen anytime, anywhere. Accidents are usually followed by a series of bills. Even if you have good insurance, you may still have to cover out-of-pocket costs, such as: Doctor bills Ambulance fees Hospital expenses Group accident insurance from Colonial Life & Accident Insurance Company can help protect you, your spouse and your dependent children from the unexpected expenses of an accident. Features of Colonial Life s Group Accident Insurance: You are paid benefits to help you with the care and treatment of a covered accidental injury. Your benefits are paid directly to you (unless you specify otherwise). You are paid benefits regardless of any other insurance you may have with other insurance companies. You can take your coverage with you if you change jobs or retire. Talk with your Colonial Life benefits counselor to learn more about group accident insurance and how it can help protect what you ve worked so hard to build. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 6
7 Group Hospital Confinement Indemnity Insurance You may have health insurance, but are you really covered? Health insurance may cover: Hospital fees Outpatient surgery Doctor/ER visits Prescriptions It may not cover: Deductibles Co-payments Coinsurance Group hospital confinement indemnity insurance from Colonial Life & Accident Insurance Company helps provide a lump-sum benefit for a covered hospital confinement and a covered outpatient surgery to assist with costs that your medical plan may not cover. It pays one hospital confinement benefit per covered person per year. Features of Colonial Life s Group Hospital Confinement Indemnity Insurance: Benefits are paid directly to you, unless you specify otherwise. Benefits are paid regardless of any other insurance you may have with other insurance companies. Coverage is available for you, your spouse and your dependent children. Talk with your Colonial Life benefits counselor to learn more about group hospital confinement indemnity insurance. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 7
8 Group Specified Disease Insurance Are you prepared for the cost of a serious illness? A serious illness, such as a heart attack, stroke or cancer, could leave you in a period of financial difficulty. Even with major medical coverage, there are typically uncovered expenses to consider, such as: Deductibles and coinsurance Home health care needs Travel and lodging Lost income Rehabilitation Child care Group specified disease insurance from Colonial Life & Accident Insurance Company helps preserve your lifestyle in the event of a specified critical illness. It provides benefits that you can use however you like. Features of Colonial Life s Group Specified Disease Insurance: Pays a lump sum-benefit if you are diagnosed with a covered specified disease. Pays a monthly benefit for the extended treatment of cancer. Coverage is available for you and your covered dependents. Talk with your Colonial Life benefits counselor to learn more about group specified disease insurance and how it can help protect what you ve worked so hard to build. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 8
9 Group Term Life Insurance Life insurance protection when you need it most Life insurance needs change as life circumstances change. You may need different coverage if you re: Getting married Buying a home Having a child Taking on additional debt Group term life insurance from Colonial Life & Accident Insurance Company provides protection for a specified period of time, typically offering the greatest amount of coverage for the lowest initial premium. This fact makes term insurance a good choice for supplementing cash value coverage during life stages where obligations are higher, such as while children are young. It is also a good option for families on a tight budget. Benefits of Colonial Life s Group Term Life Insurance: Provides a benefit for the beneficiary that is typically free from income tax. The policy s Accelerated Death Benefit can pay a percentage of the death benefit if the insured is diagnosed with a terminal illness with less than 12 months to live (may vary by state). The LifeWorks Employee Assistance Program provides online, telephonic and in-person services, and includes will preparation assistance for no additional cost. Accidental Death and Dismemberment and Waiver of Premium benefits are included in all plans. If you qualify, you may keep coverage if you change jobs or retire, without evidence of insurability. Spouse and dependent children coverage is available. Why take chances with your family s financial security? Talk with your Colonial Life benefits counselor about group term life insurance and how it can help protect what you ve worked so hard to build. Colonial Life insurance products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Coverage is subject to policy exclusions and limitations that may affect benefits payable. Products may vary by state and may not be available in all states. For cost and complete details, see a Colonial Life benefits counselor. 9
10 Discover which benefits are right for you - at Youville! Few things are more important than knowing what benefits you need in each stage of your life. After all, the right benefits can help protect you financially during unexpected times of need. Fortunately, understanding your benefits is not nearly as difficult as you may think. An educational website called Youville is here to help you quickly become more knowledgeable about employee benefits. The site offers: l Information on financial protection. l Personalized benefit recommendations. l Insurance terms to know. l Guidance around changing needs at different life stages. A visit to Youville better prepares you for your counseling session. 3 Go to the Youville website. 3 Complete the brief questionnaire. 3 Print out your personal benefit recommendations and summary showing the benefits your employer offers. 3 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 you and your family. So what are you waiting for? Visit us at While you re there, be sure to subscribe to The Youville Reporter for tips about health and financial protection. Colonial Life 1200 Colonial Life Boulevard Columbia, South Carolina coloniallife.com 2013 Colonial Life & Accident Insurance Company Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 1/
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12 Take advantage of Open Enrollment for RurAL CAP employees with the new voluntary carrier: Colonial Life. NEW benefits, low premiums and NO HEALTH QUES- TIONS during open enrollment from 2/6 to 3/20! For more information, contact: Pamela Whitfield (907) 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 NS-13469
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