Disability insurance helps provide peace of mind for your employees

Improve recovery and productivity with disability income protection

When an employee is unable to work due to an illness or injury, it impacts everyone. Provide the support they need during tough times with Colonial Life insurance.

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Everyone needs protection

Support your employees and bottom line

If an employee becomes disabled, they could be out of work for a period of time. Without steady income, it often becomes harder to pay for everyday expenses, putting a strain on their family and adding more anxiety to an already difficult situation.

Disability insurance safeguards both sides by providing income protection in the event an employee is unable to work due to a common condition, such as:

  • Pregnancy and childbirth
  • Cancer
  • Heart attacks and strokes
  • Back and joint disorders
  • Accidents and fractures

With a financial safety net, disability insurance can help your employees and company focus on success rather than worry about "what-ifs."

More than half of U.S. consumers worry they would not be able to support themselves if they became disabled and couldn’t work.1

Our disability insurance is designed with both employees and employers in mind

Employers and HR professionals

  • Provide a sound benefits package that can help attract and retain high-performing employees, without incurring additional company expenses
  • Manage the increasing costs of coverage through voluntary benefits and potential savings
  • Save time and money on advancing paychecks, managing leave and coordination of benefits for disabled employees and more
  • Reduce administrative burden by leveraging Colonial Life's enrollment solutions and 24/7 support

Your employees and their families

  • Can gain peace of mind so they can focus on their health and recovery instead of worrying about paying bills
  • Receive direct benefits (unless they specify otherwise) that can be used however they'd like, regardless of any other insurance they may have
  • Customize their disability benefit amount and elimination period to best meet their needs
  • Some policies are portable, allowing employees to keep their coverage even if they change jobs

Commonly asked questions about disability insurance

What disability insurance policies are available?

Colonial Life offers a variety of disability products. Talk to your local Colonial Life representative for details.

How do I choose between offering my employees individual or group plans?

Individual and group plans have pros and cons. Your Colonial Life sales representative can help you determine the best fit for your business and your employees.

Pros for individual plans include:

  • Employee-owned and portable, so employees can keep their policies if they change jobs
  • Guaranteed renewable in most states; rates stay stable
  • No participation requirements or account-level rate increases

Individual plans may have stricter underwriting requirements and more limited rate flexibility, which leads to potentially higher rates.

Pros for group plans include:

  • Employer-owned, so benefits apply to all eligible employees across state lines (based on situs state)
  • Flexible underwriting with guaranteed-issue options
  • More rate flexibility

Group plans may experience group-level rate increases and are ported or converted at higher rates. Minimum participation requirements are also common.

How do I help my employees calculate how much disability insurance they may need?

It's generally recommended for employees to have enough disability insurance to cover 60% of their after-tax income. However, this number varies based on a number of factors, such as their monthly living expenses.

How do I choose what benefit period(s) to offer employees?

If your company offers long-term disability insurance, you could complement that coverage with Colonial Life short-term disability insurance policies that have shorter benefit periods.

Does Colonial Life offer long-term disability insurance?

Long-term disability insurance is not available at this time.

Do group disability or individual disability policies coordinate with other disability coverages at claim and reduce benefits paid?

No. None of the policies coordinate coverage to the point of claim, and benefits are not reduced due to other coverage an insured employee may have.

Do Colonial Life disability insurance policies cover partial disability?

Yes. However, the insured employee must qualify for and receive a certain amount of total disability benefits before qualifying for partial disability benefits. The amount of total disability benefits that are required to be received first varies by policy, so check with your Colonial Life representative for details.

Can employees purchase disability insurance pre-tax?

Yes. Disability insurance policies may be purchased pre-tax. However, the benefits may be taxable. The higher the monthly disability benefit amount is, the less of a tax advantage it will be for the employee.

If an insured employee is hurt, receives benefits, stops paying for coverage and has another disabling event, will Colonial Life pay for the second disability?

No. The policy or certificate must be active at the time of disability for an insured employee to qualify for benefits.

Will Colonial Life pay for complications of pregnancy with the "Giving Birth" exclusion?

If it's not a pre-existing condition, Colonial Life pays for complications of pregnancy to the same extent as any other covered sickness. In states with a "Giving Birth" exclusion, a birth will not be covered if it occurs within nine months of the policy's effective date.

If an employee becomes pregnant after the policy's effective date and has a premature birth, will Colonial Life pay disability benefits?

No. Colonial Life will not provide disability benefits for birth during the first nine months of the policy's effective date. However, if an employee experiences pregnancy complications that are not a pre-existing condition, those complications will be treated the same as any other covered illness.

Where can insured employees find a copy of their policy and update their contact information?

Employees can log in to their account to view their policy, update their contact information and manage their insurance. If they don't have an account, they can register here.

How does an insured employee file a disability claim or see the status of an existing claim?

Filing eClaims and setting up direct deposit is the fastest way for insured employees to receive benefits. To begin the eClaim filing process or see the status of a claim that has already been filed, have the employee log in to their account. If they don't have an account, they can register here. Paper-based claims are also available. For more information on filing a disability claim, see our disability claim page.

Where can insured employees find information about their premiums, payment dates and other billing information?

Employees can log in to their account to view the status of their policy, see their premium amount and due dates, manage their billing information, make payments and more. If they don't have an account, they can register here.

1. LIMRA, “2017 Insurance Barometer Study” (2017) 

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