Disability and Supplemental

 No matter who you are, what you do or where you live, you could get hurt accidentally. It’s just the nature of life. 

And accidents can come with costs, such as emergency room fees, doctor’s bills, and the cost of missing work. Even if you have good health insurance, deductibles and co-pays can really add up after an accident. Do you have savings available to pay these costs? 

With accident insurance, you can receive money paid directly to you  to help with all the expenses of a covered accident. So you can focus on what really matters – healing.

Active families with children in sports are especially vulnerable to the rising costs of medical treatment for injuries.  But everyone, young or old, could suffer an accident at any time. 

 Think about your ongoing monthly expenses —  everything from your mortgage or rent to your  groceries and utilities. If a disability left you  without a paycheck, you might rely on savings as  a backup plan, but would you have enough? Disability insurance can help you pay for your  expenses and keep you focused on what really  matters — recovery. 

Whoever you are, whatever you do, an accident could be just around the corner. With accident insurance, you can be ready.

• A set amount is payable based on the injury you suffer and the treatment you receive.

• Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.

• Coverage is available for you, your spouse and eligible dependent children.

• You do not need to answer medical questions or have a physical exam to get basic coverage.

• Accident insurance covers injuries that happen on the job or off the job, unlike workers’ compensation, which only covers on-the-job injuries.

• Benefit payments are not reduced by any other insurance you may have with other companies.  

   #1  

Heart disease remains the number one cause of death in the U.S.  

Heart disease and stroke statistics – 2020 update: a report from the American Heart Association, Circulation, 2020.  

  No matter where you are in life, you never know when you or a loved one could have a sudden illness. Fortunately, medical advancements and early detection are helping many people survive critical illnesses. 

These technologies and tests can lead to increased medical expenses. With health insurance only covering some of these costs, an unexpected illness could make it difficult for you to pay your regular monthly bills, such as housing, utilities and childcare. 

Critical illness insurance from Colonial Life helps supplement your major medical coverage by providing a lump-sum benefit you can use to pay the direct and indirect costs related to a covered critical illness. 

• Missed wages, bills and recovery expenses.

• Lifestyle changes that may lead to better health, such as gym memberships and smoking cessation programs.

• Expenses related to additional medical procedures, such as angioplasty and pacemaker implantation.

• Any other expenses you choose. 

 Nearly one-in-five U.S. adults — 18%, about 46 million people — report that if they needed access to quality healthcare today, they would be unable to pay for it.  

   The average family has more than $4,500 in out-of-pocket medical costs each year. 

 15% of Americans have medical debt in collections. 

•  Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.

• Coverage is available for you, your spouse and eligible  dependent children.

• You’re paid regardless of any other insurance you may have with other companies.

• All benefits are indemnity based,  which means you will know the  benefit amount payable for covered  accidents or covered sicknesses