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

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, over 90% of disabilities are caused by common illness or conditions,1 such as:

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

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


More than half of U.S. consumers worry they would not be able to support themselves if they became disabled and couldn’t work.2



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

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.

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.

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.

Employers and HR representatives

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

Commonly asked questions about disability insurance

What constitutes a disability?

"Total disability" typically means when you're unable to work at your own job due to a covered illness or sickness.

Common illness and conditions that may lead to total disability include:

  • Pregnancy and childbirth
  • Cancer
  • Heart attacks
  • Strokes
  • Surgery
How do I calculate how much disability insurance I may need?

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

How does disability insurance work?

If you have an illness or accident, you will need to visit a physician for care. If the physician determines you're unable to perform your current job, you can file a claim with Colonial Life and begin the process of receiving disability benefits.

Keep in mind that policies have exclusions and limitations that may affect your coverage and/or eligibility, so talk with your benefits counselor for more details.

How long do I have to wait before I receive benefits?

When you're enrolling for disability insurance, you will choose an elimination period, which is the waiting period between the date your physician determines you're unable to work and the date your benefits can begin. Typically, the longer elimination period you choose, the lower the premium. Talk with your benefits counselor for more details.

How long can I receive benefits?

During enrollment, you can choose from a number of benefit periods. Talk to your benefits counselor to find out which benefit periods you can choose from.

Does Colonial Life offer long-term disability insurance?

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

I already have Colonial Life disability insurance. Where can I find a copy of my policy?

To view a copy of your policy, update your contact information and manage your Colonial Life insurance, log in to your account. If you don't have an account, register here.

Where can I find information about my premiums, payment dates and other billing information?

Log in to your account to view the status of your policy, see your premium amount and due dates, manage your billing information, make payments and more. If you don't have an account, register here.

How do I file a new claim or see the status of an existing claim?

To start the claims process or see that status of a claim you have already filed, log in to your account. Filing an eClaim and setting up direct deposit is the fastest way to receive benefits. Paper claims are also available. For more information on filing claims, visit our disability claim page.

Can I keep my disability coverage if I leave my job?

You may be able to keep your coverage depending on the policy you have. If you are able to take your policy with you, you will receive a Continuation of Coverage letter with instructions on next steps when your current employment ends. You will need to change your payment method to direct bill, which means you pay Colonial Life directly instead of paying through your employer. To learn more and begin this process, download the Conversion Request Form.

1. Integrated Benefits Institute, IBI Health and Productivity Benchmarking: Long-Term Disability Program, 2017
2. LIMRA, 2017 Insurance Barometer Study, 2017