If you experience a covered accident or injury, accident insurance from Colonial Life provides a lump-sum benefit that can be used to help you pay for out-of-pocket expenses, such as doctor bills, co-pays or emergency room fees.
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If you suffer from a fracture, dislocation or other covered accidental injury, accident insurance can help offset unexpected medical expenses that aren’t covered by your medical insurance. Depending on your policy, accident insurance can help cover expenses resulting from your covered accident like:
Talk with your Colonial Life benefits counselor to learn how accident insurance can help you be prepared for the unexpected and protect what you’ve worked so hard to build.
When an accident happens, the last thing you want to think about is how you’re going to pay the bills. Accident insurance helps you pay for the medical and out-of-pocket costs that you may have after an accidental injury. Based on your policy, this can include emergency treatment, hospital stays, medical exams and other expenses like transportation and lodging.
Accident insurance policies can provide you with a lump sum payable directly to you that will help pay for a wide range of situations, including initial care, surgery, transportation and lodging, and follow-up care. Here’s how it works:
Costs, eligibility and waiting periods before benefits are disbursed vary, so talk with your Colonial Life benefits counselor to learn more.
The Taylors' teenage daughter, Hannah, dislocated her ankle falling off her bike. Some of the accident follow-up treatment wasn't covered by insurance. Her accident benefit helped cover these, plus costs for X-rays, crutches and follow-up treatment.
Greg and Lisa love to go camping. One night, Greg tripped over the logs for their campfire and broke his collarbone. He used his benefit to cover his yearly deductible and co-pays for the surgery, hospital stay and physical therapy.
James is 30, single, likes to read and enjoys movies. On his way to the bookstore, he was in a car accident and broke two of his ribs. James’s benefit helped cover his out-of-pocket costs for emergency room treatment. He also used some of his benefit to rent a car while his was in the shop.
The 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.
Accident insurance is designed to pay a benefit directly to you if you are injured (may be on the job or off the job depending on your level of coverage) and need treatment, whether you go to a physician’s office, urgent care center or the emergency room.
Yes. You own your Colonial Life accident insurance policy. When your current employment ends, you will receive a Continuation of Coverage letter from Colonial Life with instructions on next steps. 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.
You can use it any way you choose — for monthly bills, co-pays, deductibles or other expenses your medical plan doesn't cover.
The amount you receive depends on your injury and the treatment you receive, usually a set amount for specific covered injuries or care. There is no lifetime or annual maximum payout.
To start the claims process, log in to your account. The fastest way to receive benefits is to file a claim online and set up direct deposit. Paper claims are also available. For more information on filing an accident claim, see our accident claims page.
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.
Find out more about offering Colonial Life individual or group accident insurance for your employees.
THIS INSURANCE PROVIDES LIMITED BENEFITS.
Group Accident (GAC4000): Applicable policy form GACC1.0-P 76103 (including state abbreviations where used, for example: GACC1.0-P-TX).
Group Accident: Applicable policy form GACC1.0-P 76103 ( (including state abbreviations where used, for example: GACC1.0-P-TX).
Individual Accident (IAC4000): Applicable policy form IAC4000 81157 (including state abbreviations where used, for example: IAC4000-TX).
Individual Accident: Applicable policy form Accident 1.0-HS 71152, Accident 1.0-NS 71153.
Gunshot Wound: Applicable policy form PYWOL.
This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this insurance.
This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your benefits counselor or the company.
Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC
© 2024 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. NS-15375-1
Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your Colonial Life benefits counselor or the company.