Do You Have Colonial Disability Insurance? If Not, Here’s Why You Should Get It Now

Disability insurance is one of the most important types of insurance that you can have.

It protects your income and lifestyle in case you are unable to work due to a covered accident or illness.

However, not all disability insurance policies are created equal. Some may offer inadequate coverage, high premiums, or complex claims processes.

That’s why you need to consider colonial disability insurance, a voluntary benefit that offers flexible and affordable protection for your peace of mind.

Colonial Disability Insurance | Photo courtesy: Colonial life
Colonial disability insurance is a smart and sensible choice for anyone who wants to protect their income and lifestyle in case of a disability | Photo courtesy: Colonial life

What is Colonial Disability Insurance?

Colonial disability insurance is a supplemental health benefit offered by Colonial Life, a leading provider of voluntary benefits in the United States.

Colonial Life has been in business since 1939, and has over 3.7 million policyholders and 90,000 businesses as clients.

It offers:

  • Short-term and long-term disability insurance policies
  • Optional health benefits, such as hospital admission, psychiatric conditions, and psychological conditions

Colonial disability insurance is designed to complement your existing insurance coverage, such as major medical, workers’ compensation, or state-paid medical leave (PML) programs. It can help fill the gaps in your income and expenses that other insurance may not cover, such as:

  • Lost wages
  • Out-of-pocket costs
  • Household bills
  • Mortgage or rent payments
  • Car payments
  • Credit card debt
  • Travel expenses
  • And more

Colonial disability insurance can also help you maintain your standard of living and avoid financial hardship in times of need.

According to a survey by the Federal Reserve, 40% of Americans would struggle to cover an unexpected $400 expense.

Imagine how much more difficult it would be to cope with a loss of income for weeks, months, or even years.

With colonial disability insurance, you can have the confidence and security that you and your family will be taken care of.

How Does Colonial Disability Insurance Work?

Colonial disability insurance works by providing you with a monthly benefit if you are unable to work due to a covered accident or illness.

The amount and duration of the benefit depend on the policy you choose and the options you select.

You can customize your policy to suit your needs and budget, by choosing:

  • The benefit amount

This is the percentage of your income that you will receive as a monthly benefit, up to a maximum amount. You can choose from 40% to 70% of your income, in increments of 10%.

  • The elimination period

This is the number of days you have to wait before your benefit starts, after you become disabled. You can choose from 0, 7, 14, 30, 60, or 90 days.

  • The benefit period

This is the maximum length of time you will receive your benefit, as long as you remain disabled.

You can choose from 3, 6, 12, or 24 months for short-term disability, or 2, 5, or 10 years, or to age 65 or 67 for long-term disability.

  • The optional health benefits

These are additional provisions that can enhance your coverage and provide extra benefits for specific situations.

For example, you can add a hospital admission benefit that pays you a lump sum if you are hospitalized for a covered accident or illness, or a psychiatric or psychological benefit that pays you a percentage of your benefit if you are disabled due to a mental or nervous disorder.

The best part about colonial disability insurance is that it is easy to enroll, claim, and adapt.

You can enroll through your employer, with the help of a Colonial Life benefits counselor, who will provide you with 1-to-1 guidance and support.

One can also choose from various enrollment methods, such as online, phone, or paper.

You can claim your benefit by submitting a simple form and providing the necessary documentation, such as a physician’s statement.

One can expect to receive your benefit within 24 hours of approval, directly to your bank account or by check.

You can also keep your policy if you change jobs, as long as you continue to pay the premiums.

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Why Choose Colonial Disability Insurance?

There are many reasons why you should choose colonial disability insurance over other options. Here are some of the main advantages of colonial disability insurance:

  • It is affordable: Colonial disability insurance offers competitive rates and discounts, based on your age, occupation, and health status. You can also save money by choosing a higher elimination period or a lower benefit amount. Plus, you only pay for the coverage you need, and you can adjust your policy as your needs change.
  • It is flexible: Colonial disability insurance allows you to choose the coverage that suits your situation and preferences. You can select the benefit amount, elimination period, benefit period, and optional health benefits that work for you. You can also choose how you want to receive your benefit, either as a percentage of your income or as a flat amount.
  • It is reliable: Colonial disability insurance is backed by Colonial Life, a trusted and reputable company with over 80 years of experience and expertise in the voluntary benefits industry. Colonial Life has an A+ rating from A.M. Best, a leading rating agency for the insurance sector. Colonial Life also has a high customer satisfaction rating, with over 90% of policyholders saying they are satisfied or very satisfied with their claims experience.

How to Get Started with Colonial Disability Insurance?

If you are interested in getting colonial disability insurance, the first step is to talk to your employer and find out if they offer it as a voluntary benefit.

If they do, you can contact a Colonial Life benefits counselor, who will help you understand your options and enroll in the policy that best fits your needs.

In the case your employer does not offer colonial disability insurance, you can still get it on your own, by visiting the Colonial Life website and requesting a quote.


Photo courtesy: Canvas

Does colonial life have an app?

Colonial life has an app for iOS devices, called CL Benefits.

It allows you to access your coverage information, provider search, ID card storage, Rx price search, medical condition search, and wellness challenges.

You can download it from the App Store.

How long does it take colonial life to process a claim?

According to colonial life, it generally takes between 7 and 20 calendar days for a dental claim to be paid.

The claim process may vary depending on the type of policy and benefit you have.

You can file a claim online, by phone, or by mail.

You can also check the status of your claim online or by calling the customer service number.


Colonial disability insurance is a smart and sensible choice for anyone who wants to protect their income and lifestyle in case of a disability.

It can help you avoid financial stress and focus on your recovery and well-being.

Don’t wait until it’s too late.

Secure this today and experience the peace of mind that comes with knowing you have coverage.

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