Got Questions? We've Got Answers

Voluntary benefits are insurance products offered through your employer that you can choose to purchase. They're called "voluntary" because enrollment is optional—you decide if you want them. You pay for the coverage through convenient payroll deduction, often at group rates that are more affordable than buying insurance on your own.

Health insurance pays your medical providers (doctors, hospitals, etc.) for covered services. Voluntary benefits pay cash directly to you when you experience a covered event like an accident, critical illness, or disability. You can use that money however you want—medical bills, mortgage, groceries, childcare, or anything else. They work alongside health insurance to fill gaps and cover expenses health insurance doesn't pay.

Costs vary based on the type of coverage, benefit amount, your age, and other factors. Most voluntary benefits are very affordable—often just a few dollars per paycheck. During enrollment, your Colonial Life agent will provide personalized quotes based on your specific situation so you know exactly what you'll pay before you enroll.

Typically, you can enroll when you're first hired during your employer's initial enrollment period, during annual open enrollment, or after a qualifying life event (marriage, birth of a child, etc.). Your employer and Colonial Life agent will let you know when enrollment periods are available. Some benefits may require medical questions or evidence of insurability if you enroll outside of the initial enrollment period.

Most Colonial Life products do not require a medical exam. Many benefits offer guaranteed issue during initial enrollment periods, meaning you're approved automatically without answering health questions. Some products may ask basic health questions, but a physical exam is rarely required. Your agent will explain the specific requirements for each benefit you're considering.

Yes! Most voluntary benefits allow you to cover your spouse and dependent children for an additional cost. Some products even offer family coverage that protects everyone under one policy. Your agent will explain the family coverage options available for each benefit.

Your Colonial Life coverage is portable—it goes with you! You can take your policies with you when you change jobs or retire. You'll simply pay premiums directly to Colonial Life instead of through payroll deduction. Your rates and coverage stay the same, and you won't need to reapply or answer new health questions.