Colonial accident and sickness disability coverage

What is covered under colonial accident policy?

Depending on your policy , accident insurance can help cover expenses resulting from your covered accident like: Emergency room visits, X-rays, diagnostic exams, physical therapy and follow-up treatment. Ambulance or air ambulance to a hospital. Hospital stays, travel or lodging expenses related to your accident .

What illnesses are covered under long term disability?

Some of the most common illnesses and injuries that often qualify as a disability are: cardiovascular disease and stroke. cancer. mood disorders , including bipolar, anxiety, or depression.

How much does Colonial Life pay for hospital confinement?

Hospital Confinement Benefit – $1,200 per month Benefit payable when any covered person is confined in a hospital , hospital intensive care unit or a hospital sub-acute intensive care unit as the result of injuries received in a covered accident or as the result of a covered sickness while the policy is in force.

Does Colonial Life Short Term Disability cover maternity leave?

No. Colonial Life will not provide disability benefits for birth during the first nine months of the policy’s effective date. However, if an employee experiences pregnancy complications that are not a pre-existing condition, those complications will be treated the same as any other covered illness.

How does Colonial Life Disability Insurance Work?

Colonial Life’s Short-Term Disability Income Protection insurance replaces a portion of your income if you become unable to work because of a covered illness or injury. This income can help you continue paying: Mortgage or rent payments. Utility bills and other household expenses.

What does Colonial Life disability cover?

Colonial Life disability insurance offers disability benefits, as well as a variety of optional provisions to pay for psychiatric conditions, psychological conditions and hospital admission. You can choose the appropriate benefit amount to meet your needs.

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Do you lose health insurance when you go on long term disability?

Short and long term disability benefits do not cover the cost of health insurance premiums. Rather, STD and LTD policies pay a percentage of your income while you are unable to work.

How much of your salary do you get on long term disability?

The average long – term disability insurance benefit should be between 60% and 80% of your after-tax salary .

What are the 3 most common physical disabilities?

Key facts on physical disability Cerebral palsy . Spinal cord injury . Amputation. Multiple sclerosis . Spina bifida . Musculoskeletal injuries (eg back injury) Arthritis. Muscular dystrophy.

Is outpatient surgery considered hospital confinement?

Outpatient surgery , also known as ambulatory surgery , day surgery , day case surgery , or same-day surgery , is surgery that does not require an overnight hospital stay. The term “ outpatient ” arises from the fact that surgery patients may enter and leave the facility on the same day.

What does hospital confinement indemnity policy pay for?

Hospital indemnity insurance is a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance . The plan covers employees who are admitted to a hospital or ICU for a covered sickness or injury.

How much does Colonial Life pay for pregnancy?

Complications of pregnancy will be covered to the same extent as any other covered sickness. Benefit Features (On/Off Job Benefits Available): You’re guaranteed to be issued coverage not to exceed 662/3% of your income, up to a maximum of $3,480 a month.

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Is it worth it to get short term disability?

In general, we can only recommend short – term disability insurance if offered by your employer either for free or at a low cost. Private short – term disability insurance is most likely not worth your money; it’s often just as expensive as long- term disability insurance despite having a shorter coverage period.

Can I borrow from my colonial life insurance policy?

Yes, you can borrow against your Colonial life insurance policy by filling out a request for service form and mailing it to the address specified. If you don’t request a specific amount, then Colonial will issue a loan for the maximum amount possible on your policy .

Is long term disability insurance?

Long – term disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.

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