Health care expenses are rising. Will your health plan be able to cover all the expenses associated with medical treatment? What about all of those first-dollar expenses such as deductibles, co-payments and out-of-pocket expenses?

Consider the following:

• The average length of hospital confinement for adults under age 65 is almost five days.*
• The United States spent nearly $2 trillion on health care in 2005. Spread over the population, this amounts to about $6,697 per person.*

* Health Care Costs, Kaiser Family Foundation, 2007.

These expenses, as well as hospital confinement costs, are typically high-dollar claims with the potential to cause financial hardship if you don’t have secondary coverage to offset the gaps in your health plan.

Prepare for the increasing costs related to health care.

Colonial Life’s Hospital Confinement Indemnity Insurance helps fill the gaps when you have unexpected health care expenses. It pays a lump-sum benefit for each eligible hospital confinement. Plans also include a wellness testing benefit that helps reimburse you for part of your expenses for tests you would normally have each year.

• 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 portable. You can take it with you if you change jobs or leave your employer.
• Coverage is guaranteed renewable as long as premiums are paid when they are due.
• Coverage is available for you, your spouse, and your family.

See your Colonial Life benefits representative to find out about how we can help you make your benefits count.

Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.