Voluntary Benefits
Enhance your coverage with additional protection from Colonial Life and Lincoln. Most benefits are employee-paid, though some (like Short-Term Disability) are fully employer-paid. These benefits pay cash directly to you when life throws the unexpected.
Eligibility
Available to all benefits-eligible full-time employees
Colonial Life voluntary benefits (Accident, Critical Illness, Hospital Indemnity, Health Screening) are employee-paid via convenient payroll deduction. Short-Term Disability from Lincoln is fully employer-paid. You can also enroll your spouse and eligible children in employee-paid benefits. Elections are made in Employee Navigator during Open Enrollment.
Why Consider Voluntary Benefits?
Medical insurance covers a lot — but not everything. Voluntary benefits help fill the gaps.
Cover deductibles & copays
Even with strong medical coverage, out-of-pocket costs add up. Voluntary benefits help bridge the gap.
Replace lost wages
A serious illness or accident can keep you out of work. Cash benefits help replace income while you recover.
Pay for travel & lodging
Unexpected medical care often comes with travel, hotel, and meal expenses for you or a loved one.
Cover daily living costs
Mortgage, rent, groceries, child care — daily life doesn’t pause when you’re sick or hurt.
Accident Insurance
Pays cash benefits directly to you when an accident happens — helping cover deductibles, copays, transportation, and everyday expenses.
What’s Covered
- Emergency room & urgent care visits
- Fractures, dislocations, and concussions
- Burns, lacerations, and eye injuries
- Ambulance and air ambulance transport
- Hospital admission & confinement
- Physical therapy and follow-up care
- Diagnostic imaging (X-ray, MRI, CT)
- Accidental death & dismemberment
Key Features
- Cash benefits paid directly to you
- 24/7 coverage — on or off the job
- Family coverage available
- No medical questions to enroll
- Use the money however you choose
- Benefits paid in addition to medical insurance
Example Scenario
Your child breaks an arm at soccer practice. After the ER visit, X-rays, casting, and follow-up appointments — your Accident plan can pay you a lump sum to cover the medical deductible and out-of-pocket costs.
Rate Information
On/Off Job Coverage with Preferred AD&D — Wellbeing Standard $50
| Coverage Tier | Bi-Weekly | Monthly |
|---|---|---|
| Employee | $4.49 | $9.72 |
| Employee & Spouse | $6.97 | $15.11 |
| Employee & Dependent Child(ren) | $9.30 | $20.14 |
| Employee, Spouse, & Dependent Child(ren) | $11.85 | $25.67 |
Rates & election: ELCOC-specific rates and full plan details are available through Employee Navigator at enrollment.
Critical Illness Insurance
Pays a lump-sum cash benefit upon diagnosis of a covered serious illness — to use however you need.
Major Covered Conditions
- Heart attack
- Stroke
- Major organ failure
- End-stage renal failure
- Coronary artery bypass surgery
- Invasive cancer
- Carcinoma in situ
- Benign brain tumor
- Coma
- Paralysis
- Loss of sight, hearing, or speech
- Permanent occupational HIV
Coverage Options
Min
$10K
GI Limit
$30K
Max
$35K
Coverage available in $5,000 increments. Guarantee Issue (no medical questions) up to $30,000.
Why It Matters
A critical illness can drain savings fast. The lump-sum benefit can be used for medical bills, mortgage, travel for treatment, child care, or to replace income while you focus on recovery. Plus a built-in Health Screening Benefit rewards you for getting preventive screenings.
Colonial Life
Critical Illness & Cancer — $20,000 Example
| Coverage Tier | Monthly Rate |
|---|---|
| Employee Only | $21.30 |
| Employee & Spouse | $31.70 |
| 1-Parent Family | $21.30 |
| 2-Parent Family | $31.70 |
Coverage Options: You can elect between $10,000, $20,000, or $30,000 of coverage. Rates above show the $20,000 benefit level example. Rates scale proportionally with different benefit amounts.
Full Rate Tables: Complete rates for all benefit levels ($10k, $20k, $30k) and all ages will be available in Employee Navigator during enrollment.
Tobacco Surcharge: Tobacco users pay approximately 40–65% higher rates. This surcharge applies only if you use tobacco products.
Rates & election: ELCOC-specific rates and full plan details are available through Employee Navigator at enrollment.
Hospital Indemnity Insurance
Pays cash benefits when you’re admitted to a hospital — use the money for any expense, with no network restrictions.
What’s Covered
Hospital admission
Lump-sum benefit upon admission for a covered illness or injury
Hospital confinement
Daily benefit for each day of confinement
ICU admission & confinement
Enhanced benefits for intensive care stays
Outpatient surgery
Benefit when surgery is performed in an outpatient facility
Benefit Example
If you’re admitted to the hospital for a covered illness for 3 days, you receive an admission lump sum plus a daily benefit for each day of confinement — paid directly to you. Use it for the medical deductible, lost wages, child care, transportation, or anything else.
How to Use It
After a hospital stay, file a claim online or by phone with Colonial Life. Once approved, your benefit is paid directly to you — not to the hospital — so you decide how to use it.
Colonial Life
Hospital Indemnity Rates (GMB 7000)
| Coverage Tier | Bi-Weekly | Monthly |
|---|---|---|
| Employee Only | $5.35 | $11.57 |
| Employee & Spouse | $9.98 | $21.60 |
| 1-Parent Family | $7.93 | $17.19 |
| 2-Parent Family | $12.57 | $27.23 |
About this plan: Group Hospital Indemnity Insurance (Plan 1, HSA-Compatible) provides $1,500/day for hospital confinement and $100/day for daily hospital confinement. This is supplemental coverage and does not substitute for essential health benefits. Bi-weekly rates calculated as monthly × 12 ÷ 26 pay periods. Rates shown are per covered person.
Rates & election: ELCOC-specific rates and full plan details are available through Employee Navigator at enrollment.
Health Screening Benefit
Included with all Colonial Life voluntary products — get cash for preventive screenings you’re probably already getting.
Eligible Screenings
- Annual physical exam
- Mammogram
- Pap smear
- PSA (prostate)
- Colonoscopy
- Stress test
- EKG
- Blood glucose / HbA1c
- Lipid panel (cholesterol)
- Skin cancer screening
- Bone density screening
- Carotid Doppler
Why Take Advantage
Many ELCOC employees already get an annual physical or preventive screening. The Health Screening Benefit pays you a cash benefit just for completing one each year — sometimes enough to offset a meaningful portion of your annual premium.
One screening benefit per insured per calendar year. See plan certificate for full details.
Short-Term Disability Insurance
Income protection that replaces 60% of your salary if you can't work due to a covered injury or illness. 100% employer-paid.
Plan Highlights
- 60% income replacement benefit
- Maximum weekly benefit of $1,000
- 8-day elimination period (both accident & sickness)
- 13-week maximum benefit period
- No pre-existing condition limitations
- 100% employer-paid — no employee cost
- 100% participation required (automatic coverage)
Benefit Amount
Your weekly benefit = Your weekly salary × 60%, up to a maximum of $1,000/week.
Eligibility
Coverage details for all covered employees
Eligible Employees
Full-time employees working 30+ hours per week
Guarantee Issue
Up to $1,000/week (no medical questions)
Taxable Benefit
Yes — 100% ER Paid (taxable as income)
How it works: If you can't work due to a covered illness or injury, after an 8-day waiting period, you'll receive 60% of your weekly salary (up to $1,000/week) for up to 13 weeks. The benefit is automatically in place — no enrollment action needed.
Colonial Life
Disability Premium Calculator
Monthly: $4,167 · 60% of monthly: $2,500
Age band 17–49 · Rate $2.33 per $100 of monthly benefit
Benefits start day 1 (accident) / day 8 (sickness).
Max you can elect: $2,500/mo (lesser of 60% of monthly salary or $3,000 plan cap)
Your Estimated Premium
Bi-Weekly (per paycheck)
$21.51
Monthly
$46.60
Annual
$559.20
Elected benefit: $2,000/mo for 3 months
Rate: $2.33 per $100 of monthly benefit
Elimination: 0/7 days
Estimate only. Bi-weekly premium calculated as monthly × 12 ÷ 26 pay periods. Actual rates are confirmed at enrollment in Employee Navigator. Benefit period is 3 months. Coverage is Guaranteed Issue up to the plan maximum ($3,000 for 0/7, $4,000 for 14/14).
Important: You already have Short-Term Disability coverage through Lincoln (100% employer-paid). Before electing Colonial Life's Short-Term Disability plan, carefully review your Lincoln coverage to ensure you are not over-insured. Consider your personal circumstances, such as whether you want additional coverage beyond the $1,000/week Lincoln maximum, or if you prefer a shorter elimination period than the 8-day Lincoln standard.
Talk to a benefits advocate
Our team can help you understand which voluntary benefits make sense for your family.
Your Benefits Advocate
FBP Advocacy Team
Florida Benefit Plans — personalized support for all your benefits questions.