Colonial life accident and sickness disability coverage

What is covered under colonial life 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 .

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.

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.

What is considered a covered accident?

Covered Accident means an accident that occurs while coverage is in force for a Covered Person and results directly and independently of all other causes in a loss or Injury covered by the Policy for which benefits are payable.

What is considered an accidental injury?

Accidental injury as the name suggest delineates all those types of injuries which are the outcome of an unforeseen and unfortunate mishap. Falls, cuts, burns, road accidents, bites, stings and drowning are examples of accidental injuries . Such injuries are covered under individual personal accident insurance.

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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.

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.

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 .

Why would long term disability be denied?

Long term disability (LTD) benefits are crucial for ensuring that you continue to receive income when you are disabled and cannot work. Your LTD claim can be denied due to missing medical records, legal technicalities, or conflicting evidence collected during your insurance company’s investigation of your claim.

What does Colonial Life critical illness cover?

Colonial Life’s new group critical illness plan has a flexible plan design with a wide range of face amounts to meet different needs. Coverage is available for up to 56 different serious conditions and treatment procedures, including heart attack, stroke, cancer, organ failure or coronary artery bypass graft surgery.

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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.

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.

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