Life & Disability INSURANCE

via Colonial Life

GROUP CRITICAL CARE

Colonial Life’s Group Critical Care insurance helps your employees and their families maintain financial security during the lengthy, expensive recovery period of a serious medical event such as cancer, heart attack or stroke. It provides a lump sum benefit to help with the out-of–pocket medical and/or non-medical expenses of a critical illness and/or cancer. There are options as well to include ongoing benefits for the extended treatment and care of cancer (internal or invasive) or carcinoma in situations.

Coverage is available to: Employee; Employee and Spouse; One-Parent family (Employee and Dependent Children); and Two-Parent Family (Employee, Spouse and Dependent Children).

Face amounts for the employee range from $5,000 -$100,000 (amounts greater than $50,000 require underwriting approval), in $1,000 increments. If a spouse is covered under the employee’s plan, their face amount is 50% of the employee’s coverage.

Group Accident

Colonial Life’s Group Accident insurance is an indemnity plan that provides employees and their families with hospital, doctor, accidental death and catastrophic accident benefits in the event of a covered accident. These benefits can help with the out-of-pocket medical and non-medical expenses associated with an accident.

Plan Features

  • Composite Rates – Premiums are composite, which means all eligible applicants in an
    account have the same rate basis, regardless of risk class or age
  • All coverage is Guaranteed Issue
  • Employees can choose whether they want individual or family coverage
  • Benefits are paid directly to the insured unless specified otherwise
  • Benefits are paid in addition to other insurance your employees may have
  • Benefit amounts are the same for employee, spouse and dependent children, with the exception of lower amounts for accidental death and catastrophic accident benefits for
    children
  • Coverage is portable. An employee can take this coverage with him if he changes jobs or leaves your company while the master policy is in force
  • Coverage is available if a covered person is injured while traveling
  • Coverage available for: Named Insured (Employee); Employee and Spouse; One-Parent Family (Employee and Dependent Children); Two-Parent Family (Employee, Spouse and Dependent Children)
  • In multi-state enrollments, situs state rules apply for Group Accident

Group Disability

Colonial Life’s voluntary short-term disability insurance policy is a group plan that is sold via payroll deduction at the workplace. It insures your employee’s paycheck by replacing a portion of your employee’s income if he becomes disabled because of a covered accidental injury or covered sickness.

Plan Features

  • Guaranteed Issue – Available for up to $4,000 in monthly benefits for up to 60% of income. Additional monthly benefits up to $7,500 are available.
  • Rates guaranteed – for two years from the date of issue of the group policy.
  • Situs State – In multi-state enrollments, benefit options and rates for multi-state companies are based on the state where the master application is signed.
  • Total disability and partial disability benefits – Partial disability pays 50% of the total disability benefit and for up to 3 months.
  • Optional Employer-Selected Benefits are available.
  • Renewability – This policy is optionally renewable.
  • No integration – There is no coordination of benefits at claim with other coverages. Benefits are paid regardless of benefits received from other sources. For benefit amounts over $4,000 per month, offsetting occurs during the application process.
  • Level premiums – Rates are based on issue age and are level, not step-rated.
  • Geographical Limitations (Worldwide Coverage) – Geographical Limitations provision allows coverage for disabilities that occur outside the regularly covered geographical areas for up to 60 days.
  • Waiver of Premium – available after 90 consecutive days of a covered disability.
  • Benefits are paid directly to the insured unless they specify otherwise.
  • Coverage is portable – An employee may continue this coverage if he changes jobs or leaves your company while the master policy is in force, with no evidence of insurability required.

Voluntary Group Term Life

Colonial Life’s voluntary group term life insurance policy is a group plan that is 100% employee paid and is sold via payroll deduction at the workplace. It offers financial protection to help employees and their families during a period of time when obligations are high due to mortgage expense, planning for children’s futures, and other fixed expenses.

Plan Features

  • Guaranteed Issue – Available at initial enrollment.
  • Rates guaranteed – For two years from the date of issue of the group policy.
  • Situs State – In multi-state enrollments, benefit options and rates for multi-state companies are based on the state where the master application is signed.
  • Accidental Death & Dismemberment – Available as employer option.
  • Waiver of Premium – Available as employer option.
  • Renewability – This policy is optionally renewable.
  • Premiums – Issue age rates in five year age-bands.
  • Coverage is portable – Employees and their spouse and dependent children may continue coverage when the employee leaves his job, reduces hours below the minimum required or retires. All ported insurance will move to special ported rates. Evidence of insurability is required at time of port.
  • Coverage is convertible – The option to convert to an individual, level premium whole life plan without proof of good health is available.
  • Accelerated Death Benefit – If the insured is diagnosed with a terminal illness and has a life expectancy of 12 months or less, the certificate holder can request up to 75 percent of the death benefit, to a maximum of $150,000.
  • Health Advocate Employee Assistance Program – Provides 24-hour confidential personal support and referral service, including a medical bill saver. Face-to-face sessions and video counseling with mental health professionals are available.
  • Life Planning Services – Provides terminally ill employees and designated beneficiaries with financial, legal, and emotional support in dealing with death and loss.

About Colonial Life

For 75 years, Colonial Life & Accident Insurance Company has had one mission: to help America’s workers preserve and protect the vitally important things they work so hard to build.

Headquartered in Columbia, South Carolina, Colonial Life offers a wide range of financial protection options, helping more than 3 million people in nearly 80,000 companies. In addition to their personal benefits counseling expertise, they’re a pioneer of payroll deduction and innovator of enrollment technology. Their end-to-end capabilities and commitment to going above and beyond enable us to provide unmatched customer service.

With more than 10,000 sales representatives and more than 1,000 home office professionals, Colonial Life is here to help during life’s most challenging times.

For more information, please visit ColonialLife.com


To enroll in any insurance plans, please complete the Benefits Enrollment Form linked above. All ‘Benefits Enrollment Forms’ are the same and are meant to cover all benefits offered by AFSCME, so you only have to fill it out once. Once completed, please send it to us in one of the following fashions:

  • Save completed .pdf document and e-mail it to myafscme@ppandb.com.
  • Print, sign, scan and e-mail scanned file to myafscme@ppandb.com.
  • Print, sign and fax to (508) 457-9994
  • Print, sign and mail to PO Box 477, Leominster, MA 01453
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