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Supplemental
Insurance from
Colonial
More and more studies show that health care costs
continue to rise in this country. Many employers are
reacting by revising their insurance and benefit offerings
to reflect this trend and compensate for increased costs.
What do these changes mean for you?
 | 56 percent of employers report that employee
contributions will increase with the trend or greater than
the trend rate – meaning some employees will take on a
greater proportion of health care costs than they
currently pay. |
| Nearly three-quarters of employers consider benefit
reductions or an increase in co-payments “likely” or
“somewhat likely” in the coming twelve months. |
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How will these possible benefit reductions and increased
benefit costs affect your insurance coverage? What about
next year? What changes will it bring? We can’t predict the
future; we can help you prepare for what
happens next.
Traditional medical insurance doesn’t cover every
expense related to an illness, injury or death. The bills
and expenses continue to add up, especially if you have to
stop working and lose your income. How will you pay the
deductibles or co-payments, and other increasing medical
costs not covered by your employer-sponsored insurance plan?
Supplemental insurance can help you prepare for these and
other out-of-pocket expenses. Most of all, these plans help
take the worry away about how you will pay your
out-of-pocket medical and other everyday life bills. Without
this worry, you can focus on getting better.
Colonial’s supplemental insurance products help protect you
in the following ways:
| Colonial’s
Disability Insurance can help protect your most
valuable asset – your income. This insurance provides
benefits to help offset the financial losses that may
result when you are disabled due to a covered injury or
illness. |
| Supplemental
Life Insurance from Colonial is a valuable
complement to employer-provided life insurance. |
| A serious accident, illness or hospital stay can
result in significant out-of-pocket expenses that aren’t
covered by traditional medical insurance. Colonial’s
Accident ,
Cancer and Critical Illness and
Hospital Confinement Indemnity Insurance can help
protect against such expenses. |
Colonial supplemental insurance is offered at the
worksite (through your employer) and features convenient
payroll deduction for premium payments. Plus, many plans can
be purchased through a flexible benefits plan allowing you
to pay for valuable Colonial coverage with
pretax dollars.
Colonial coverage is flexible so that you can tailor your
supplemental coverage to help meet your individual needs.
With the help of Colonial’s experienced sales
representatives, you can choose the coverage that is most
appropriate for the needs of you and your family. Colonial
offers the supplemental insurance plans listed below.
Supplemental coverage from Colonial can help see you
through - for what happens next.
FAQ - Primary - Secondary Insurance
Click here for ONLINE Medical & Health
proposals or just give us a call at (310) 519-1335.
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