Get financial support so you can focus on recovery

Help protect a portion of your income with disability insurance

No one expects to get sick or injured, especially in their prime. However, life can change in an instant. When the unexpected becomes reality, Colonial Life disability insurance can provide income protection and peace of mind.

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Income protection in times of need

Help maintain your livelihood and lifestyle with disability insurance

You have insurance for your house, car and health, but if you're like many Americans, you probably don't have insurance for the one thing that pays those bills: your income. If an accident or illness prevented you from working, could you still cover your everyday expenses?

Disability insurance makes this question easy to answer. It can help protect your way of life and maintain your lifestyle if a physician determines you're unable to work due to a covered accident or illness.

Many people forgo disability insurance because they don't think they'll ever need it. However, disabilities can be caused by common illness or conditions, such as:

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

Some states now offer paid medical leave (PML) programs, a form of disability insurance for some types of employees. However, state PML programs may not offer as much coverage as employees might need or for as long as they might need when they're unable to work.

When you're unable to earn an income because of an illness or accident, your paycheck stops, but expenses continue, whether your state offers PML or not. With Colonial Life, you can focus more on your health and recovery — and less on paying bills.

How Colonial Life disability insurance works

When an accident or illness happens, the last thing you want to think about is how you're going to pay the bills. With our short-term disability benefits, you may receive financial support for up to two years, so you can focus on what really matters: recovering and getting back to work.

Colonial Life Disability Insurance offers disability benefits, as well as a variety of optional provisions to pay for psychiatric conditions, psychological conditions and hospital admission. You can choose the appropriate benefit amount to meet your needs. No matter which amount or policy you select, benefits are:

  • Payable on a monthly basis directly to you (unless you specify otherwise), regardless of any insurance you may have with other companies
  • Able to be used to pay for whatever you like, including rent, house payments, car payments, utilities, credit card bills, travel expenses and more
  • Potentially available if you return to work part time
  • Able to be kept if you change jobs

Talk with your Colonial Life benefits counselor to learn more and pick the right plan for you.

Examples of how disability insurance can help

Lewis: heart surgery

Lewis suffered a heart attack and had to take unpaid leave after surgery. His disability insurance helped pay his family’s bills during recovery, allowing him to protect the savings set aside to give his daughter the wedding of her dreams.

Emily and Brian: maternity leave

When Emily took leave after having a baby, her disability insurance helped pay for her and Brian’s ongoing expenses so they could avoid dipping into savings.

Ashley: leg injury

After injuring her leg while jogging, Ashley took a week of paid time off, then used her disability insurance to help cover her rent and monthly student loan payment.

The three examples above are for illustrative purposes only. Benefits may vary. The certificate and policy have exclusions and limitations. For complete details, see your benefits counselor.

Commonly asked questions about disability insurance

Individual Disability (ISTD3000): Applicable policy form ISTD3000 (including state abbreviations where used, for example: ISTD3000-AL).

Disability Plus (DIP3000): Applicable to policy form ICC21-DIP3000. Disability Plus is the marketing name of the insurance product filed as “Individual Short Term Disability Insurance Policy,” and its associated riders.

Group Disability: Applicable policy form GDIS-P and certificate form GDIS-C (including state abbreviations where used, for example: GDIS-C-AL).

Disability 1000: Applicable policy form DIS 1000 58489.

State-mandated PML benefits fall under state-specific program names. For example, in New Jersey, it may be referred to as Temporary Disability Insurance (TDI). State PML programs are not available in all states.


Employers and HR representatives

Find out more about offering Colonial Life individual or group disability insurance for your employees.

This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your benefits counselor or the company.

Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.