Attract Top Talent Without Breaking Your Budget

Yes, absolutely. Colonial Life voluntary benefits are 100% employee-paid through payroll deduction. You don't pay any premiums, setup fees, or administrative costs. Your only involvement is running the payroll deductions—which you likely already do for things like health insurance or retirement plans.

Perfect! Voluntary benefits complement existing health insurance. They cover things health insurance doesn't—like out-of-pocket expenses from accidents, gaps during disability, or cash benefits for critical illnesses. Many employees have health insurance but still face financial hardship when unexpected health events occur. That's where Colonial Life helps.

Minimal to none. We handle the enrollment process, employee education, paperwork, and ongoing service. Your HR team just needs to coordinate a time for us to meet with employees and then process the payroll deductions. Many employers tell us it actually reduces their workload because employees have fewer benefits questions.

We work with businesses of all sizes and industries—from small businesses with just a handful of employees to large organizations with hundreds of team members. Whether you're in healthcare, manufacturing, retail, hospitality, or any other sector, we can design a benefits package that fits your unique workforce needs.

No. Enrollment is completely voluntary. Employees can choose which benefits they want (if any) based on their personal needs and budget. There's no pressure—we educate them on their options and let them make informed decisions for themselves and their families.

We handle it. Your employees contact Colonial Life directly for claims support, and we guide them through the process. You're not involved in claims processing—we provide that ongoing service to keep your team focused on running your business.