Boost employee confidence with critical illness insurance

Provide valuable financial protection for out-of-pocket costs

When employees experience a critical illness, they often have expenses that aren’t covered by their health insurance. During these challenging times, critical illness insurance can help them focus on recovery and getting back to work sooner.

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Sudden illnesses don’t have to cause sudden stress

Critical illness insurance provides protection for your employees

Your existing medical insurance plans and wellness programs provide a solid foundation for good health, but with rising costs all around, it can be difficult to provide the benefits employees need without affecting your bottom line.

Meanwhile, when someone on your team is diagnosed with a critical illness, they’re often forced to take time off to heal, as well as pay for mounting expenses that their health insurance won’t cover. Fortunately, critical illness insurance can help.

These voluntary benefit plans supplement major medical coverage by providing a lump-sum benefit employees can use to pay direct and indirect costs related to a critical illness, such as:

  • Deductibles and co-pays
  • Expenses related to out-of-network treatment and additional medical procedures, such as angioplasty and pacemaker implantation
  • Travel, lodging and meals during treatment
  • Lifestyle changes that may lead to better health, such as gym memberships and smoking cessation programs
  • Rehabilitation and home health services
  • Child care

This financial protection offers a simple way to strengthen your benefits package and help give employees peace of mind.

Critical illness insurance is designed with both employees and employers in mind

Employers and HR professionals

  • Provide a sound benefits package that can help attract and retain high-performing employees, without incurring additional company expenses
  • Manage the increasing costs of coverage through voluntary benefits and potential savings
  • Simplify the enrollment process for all your benefits, including traditional medical plans, by partnering with our nationwide team of licensed benefit counselors
  • Reduce administrative burden by leveraging Colonial Life’s enrollment solutions and 24/7 support

Your employees and their families

  • Can gain peace of mind knowing that they can focus on recovery rather than paying bills
  • Receive direct benefits (unless they specify otherwise) that can be used however they’d like, regardless of any other insurance they may have
  • Can select coverage options for themselves and/or eligible dependents
  • Some policies are portable, allowing employees to keep their coverage even if they change jobs

Commonly asked questions about critical illness insurance

Take the next step


Group Critical Illness (GCI6000): Applicable policy form GCI6000-P.

Critical Illness 1.0 (Individual Critical Illness): Applicable policy form CI-1.0.

Group Critical Care: Applicable policy form GCC1.0-P.

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 representative or the company.