About Colonial Life
Colonial Life partners with employers and employees to make benefits simple, personal, and meaningful. For more than 80 years, we have helped working families protect their income, health, and peace of mind through workplace benefits they can choose and keep.
What are voluntary benefits?
Voluntary benefits are insurance and financial protection products offered through an employer but chosen and paid for by employees. They let employees customize their coverage to fit their lives — without adding cost or complexity to the employer's benefits program.
Common examples include accident, disability, life, hospital, critical illness, and cancer coverage. Because premiums are often payroll-deducted, coverage is easy to enroll in and keep.
For employers
- Build a stronger benefits package without increasing overhead.
- Improve recruitment, retention, and employee satisfaction.
- Offer one-on-one enrollment support and education employees actually understand.
- Get year-round service, claims guidance, and ongoing communication tools.
How Colonial Life helps employers with voluntary benefits
Offering voluntary benefits is a smart way to strengthen your workforce, but it only works if employees understand and value what is available. Colonial Life partners with employers to make voluntary benefits simple to offer, easy to communicate, and genuinely useful for employees.
- End-to-end enrollment support — Colonial Life handles the enrollment experience, from scheduling one-on-one sessions with employees to answering questions and processing paperwork.
- Clear communication for employees — We translate complex benefit details into plain language so employees can make confident choices without burdening HR.
- Flexible benefit designs — Employers can choose from a range of voluntary products to build a package that fits their workforce and budget.
- Payroll integration and administration — Premiums are typically payroll-deducted, making enrollment and ongoing administration straightforward for employers.
- Year-round service and claims support — We stay involved after enrollment, helping employees use their benefits and file claims so HR is not left managing every question.
For employees
- Choose the coverage that fits your family, budget, and goals.
- Protect your paycheck if you are injured, ill, or unable to work.
- Receive personalized guidance from a local benefits counselor.
- Keep coverage when you change jobs — many plans are portable.
How Colonial Life helps employees understand and use their benefits
Choosing benefits is one thing; using them with confidence is another. Colonial Life closes that gap with a simple, human-centered approach that turns complicated coverage into clear decisions employees can act on.
- Personalized one-on-one enrollment sessions — A local benefits counselor meets with each employee to explain options, answer questions, and recommend coverage based on their situation.
- Plain-language education — We translate insurance terms into everyday language so employees understand what they're buying, when it pays, and how to use it.
- Year-round support, not just enrollment week — Employees can reach out for help when life changes: a new baby, an accident, a diagnosis, or a new job.
- Claims guidance — When the unexpected happens, we help employees understand how to file a claim and what to expect, so benefits deliver when they matter most.
- Portable coverage — Many plans can move with employees if they change jobs, so the protection they counted on stays with them.
