Benefits Catalog
Protection for Every Stage of Life
We offer 50+ voluntary benefit options through the nation's top carriers — all available through your employer at group rates you can't get on your own.
Core Coverage
Most Popular Benefits
Life Insurance
Protect your family's financial future
Term and whole life options that provide a tax-free lump sum to your beneficiaries. Flexible coverage amounts to match your family's needs at every stage of life.
- Term life from 10–30 years
- Whole life with cash value accumulation
- Portable — coverage follows you between jobs
- No medical exam options available
Available through
Colonial Life
Short & Long-Term Disability
Replace lost income when you can't work
Disability insurance replaces a portion of your income if illness or injury prevents you from working. Short-term covers the first weeks; long-term protects you for years.
- Covers 60–70% of your base salary
- Short-term: benefits begin after 7–14 days
- Long-term: coverage up to age 65
- Own-occupation definitions available
Available through
Colonial Life
Critical Illness
Lump-sum cash when you need it most
A critical illness diagnosis can derail your finances even with health insurance. This benefit pays a lump sum directly to you upon diagnosis of covered conditions like cancer, heart attack, or stroke.
- Covers cancer, heart attack, stroke & more
- Cash paid directly to you — use it any way
- Complements your major medical plan
- Recurrence benefits available
Available through
Colonial Life
Additional Coverage
Expand Your Benefits Package
AD&D
Cash benefits for unexpected injuries
Accidents happen. This coverage pays cash benefits for ER visits, hospital stays, fractures, dislocations, and recovery costs — helping you focus on healing, not bills.
- ER and urgent care visit benefits
- Fracture and dislocation coverage
- Physical therapy reimbursement
Hospital Indemnity
Fill the gaps your health plan leaves behind
Hospital indemnity insurance pays a fixed daily benefit for each day you're hospitalized, helping cover deductibles, copays, and everyday expenses your health plan doesn't.
- Daily hospital confinement benefit
- ICU and surgery benefits
- Maternity and newborn coverage
Vision Insurance
Comprehensive eye care coverage
Routine eye exams, prescription glasses, and contact lenses — vision insurance keeps your team seeing clearly without breaking the budget.
- Annual eye exam coverage
- Frames and lenses allowance
- Contact lens benefit
Dental Insurance
Preventive and restorative dental care
From cleanings to crowns, dental coverage helps employees maintain oral health — which is directly linked to overall wellness and productivity.
- 100% preventive care coverage
- Basic and major restorative services
- Orthodontia options available
Legal Services
Access attorneys for life's legal needs
A group legal plan gives employees access to a network of attorneys for wills, estate planning, real estate, family law, and more — at no additional cost per visit.
- Will and estate planning
- Real estate transactions
- Family law consultations
Pet Insurance
Vet care coverage for your furry family
Pet insurance helps employees manage unexpected vet bills for accidents, illnesses, and routine care — reducing financial stress and improving focus at work.
- Accident and illness coverage
- Wellness and preventive care options
- Covers dogs, cats, and exotic pets
Identity Theft Protection
Monitor and restore your personal data
This benefit provides 24/7 monitoring, real-time alerts, and full-service restoration if your identity is compromised — backed by $1M in identity theft insurance.
- Dark web and credit monitoring
- Real-time fraud alerts
- Dedicated restoration specialist
Premium - Only Plan Administration
Section 125 plan
With complimentary administration of your Section 125/cafeteria plan through Ameriflex, you can offer certain Colonial Life products on a pre-tax basis.
Commuter Benefits
Pre-tax transit and parking savings
Commuter benefits allow employees to pay for transit passes and parking with pre-tax dollars — saving up to 40% on commuting costs and reducing employer payroll taxes.
- Up to $315/month pre-tax for transit
- Up to $315/month pre-tax for parking
- Covers bus, rail, vanpool, and ferry
The Process
How Enrollment Works
Needs Assessment
We meet with your HR team to understand your workforce demographics, budget, and goals.
Plan Design
We curate a custom benefits menu from our carrier network — tailored to your employees' needs.
Employee Education
Our specialists conduct group sessions and one-on-one counseling so every employee understands their options.
Ongoing Support
We handle claims questions, annual reviews, and open enrollment year after year.
FAQ
Common Questions
Ready to Build Your Benefits Program?
Schedule a free consultation with one of our benefits advisors and get a custom recommendation for your workforce.