For Employees
Your Benefits. Your Choice. Your Future.
Understanding your voluntary benefits doesn't have to be complicated. We're here to help you make confident, informed decisions — at no cost to you.
100%
Employee choice — enroll in what fits your life
Pre-tax
Payroll deductions reduce your taxable income
Group rates
Lower premiums than individual market plans
What's Available
Benefits Designed Around Your Life
Your employer has partnered with One Mile House to offer a range of voluntary benefits through Colonial Life and other top-rated carriers. Here's what each one means for you.
Life Insurance
Provides a tax-free lump sum to your beneficiaries if you pass away. Helps cover mortgage payments, debts, and everyday living expenses for your family.
A common rule of thumb is 10x your annual salary in coverage.
Short-Term Disability
Replaces a portion of your income if you're unable to work due to illness or injury. Guaranteed issue — no medical exam required.
Most Americans are one paycheck away from financial hardship. Disability coverage is often overlooked but critical.
Critical Illness
Pays a lump-sum cash benefit directly to you upon diagnosis of a covered condition like cancer, heart attack, or stroke — use it however you need.
Use the benefit for medical bills, mortgage payments, or everyday expenses while you recover.
Accident Insurance
Pays cash benefits for covered injuries from accidents — emergency room visits, fractures, dislocations, and more.
Benefits are paid directly to you, not your doctor or hospital.
Vision
Covers routine eye exams, prescription glasses, and contact lenses at a fraction of out-of-pocket costs.
Annual eye exams can detect early signs of diabetes, hypertension, and other conditions.
Individual Dental and Vision
Provides benefits for a range of services from preventive to major at a defined co-insurance percentage.
Preventive care like cleanings and X-rays is typically covered at 100%.
Group Term Life Insurance
A simple, easy-to-administer group life program for accounts with 10–499 employees. No account census required to quote a case.
Group rates are typically lower than individual life insurance policies.
Group Short-Term Disability
A guaranteed issue short-term disability product based on a percentage of your weekly earnings.
Coverage begins after a short elimination period and can last weeks to months.
Enrollment Guide
How Enrollment Works
Open enrollment is your opportunity to elect the coverage that's right for you. Here's what to expect.
01
Review Your Options
Before your open enrollment period, take time to review the voluntary benefits your employer offers. Read the summary of benefits for each plan.
02
Meet with a Benefits Counselor
One Mile House provides one-on-one enrollment sessions — in person or virtually. A counselor will walk you through every option and answer your questions.
03
Make Your Elections
Select the benefits that fit your life and budget. Elections are made during open enrollment and deducted from your paycheck pre-tax where eligible.
04
Get Ongoing Support
Questions after enrollment? Our team is available year-round to help you understand your coverage, file a claim, or make changes during qualifying life events.
Common Questions
Employee FAQs
What are voluntary benefits?
Do I have to enroll in all the benefits offered?
When can I enroll?
What is a Section 125 / cafeteria plan?
How do I file a claim?
What if I have questions after open enrollment?
Still Have Questions?
Talk to a Benefits Counselor — It's Free
Our team is here to help you understand your options and make the best decision for you and your family. No pressure, no jargon — just honest guidance.