Colonial Life Supplemental Products Guide - Jackson County
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Colonial Life Supplemental
Products Guide
2021 – 2022
Disclaimer
If discrepancies exist in the information contained in this Benefits Enrollment Guide and the Summary Plan Description (SPD), then
Jackson County Policies and Procedures and/or applicable federal and state laws will prevail. Jackson County reserves the right to
terminate, suspend, withdraw, or modify the benefits described in the policy/plan document, in entirety or in part, at any time. The
waiver of this right is not subject to any statement in this guide or any other document nor through any oral representation.
Jackson County
Colonial Life Supplemental Products Guide
Contents and Contact Information
Topic/Contact Phone Fax Page
Human Resources Information – www.jacksonnc.org/human-resources 828‐631‐2212 828‐631‐2266
Benefits Administrator – LeNay Shular ‐ lenayshular@jacksonnc.org 828‐631‐2263
Colonial Life – www.coloniallife.com
Supplemental Insurance Products Available: Accident, Cancer, Critical
Illness, Short-Term Disability, Hospital Confinement, Life Insurance 800‐325‐4368 800‐880‐9325
Benefit Counselor – Teri Jenkinson – tcjen3@hotmail.com 828‐508‐9457
Benefit Counselor – Kim Gallardo ‐ 828‐226‐7132
Colonial Life Products Summary Sheet ............................................................................................................................... 1
Accident Insurance .............................................................................................................................................................. 2
Accident Insurance Premiums ............................................................................................................................................ 10
Cancer – Level 2 Benefits .................................................................................................................................................... 11
Cancer – Level 3 Benefits .................................................................................................................................................... 1 3
Cancer Insurance – Wellness Benefits ................................................................................................................................ 15
Cancer Insurance Premiums ............................................................................................................................................... 16
Critical Illness Insurance ...................................................................................................................................................... 17
Critical Illness Insurance Premiums .................................................................................................................................... 19
Disability – Short‐Term Disability Insurance ....................................................................................................................... 21
Disability – Short‐Term Disability Insurance Premiums ..................................................................................................... 23
Hospital Confinement Indemnity Insurance Plan 3 ............................................................................................................ 24
Hospital Confinement Premiums........................................................................................................................................ 28
Term Life Insurance ..........................................................................................................................................................27
Term Life Insurance Premiums ........................................................................................................................................... 29
Whole Life Insurance ..........................................................................................................................................................30
Whole Life Insurance Premiums ..........................................................................................................................................32
Guaranteed Issue Colonial Life Products for 2021‐2022 available for all employees:
• Short‐Term Disability Insurance
• Specified Critical Illness Insurance
o $ 20,000 for employee
o $ 10,000 for spouse
o $ 5,000 for children
• Term Life
o Ages 18 - 50 up to $ 75,000
o Ages 51 - 60 up to $ 50,000
o Ages 61 - 79 up to $ 25,000
• Whole Life Insurance
o Ages 18 - 50 up to $ 100,000
o Ages 51 - 60 up to $ 50,000
o Ages 61 - 79 up to $ 25,000Financial protection that fits your needs
With Colonial Life products: Everyone’s benefit needs are different. That’s why it’s important to choose
the benefits that are right for your personal situation. Complete this page and
Coverage is available for your bring it to your personal, 1-to-1 benefits counseling session. At the session,
spouse and eligible dependent you’ll learn how these products fit into your overall benefits package and how
children (with most plans). they can help protect what you’ve worked so hard to build.
Benefits are paid directly
Disability insurance — Helps replace a portion of your income to help make ends
to you, unless you
meet if you become disabled from a covered accident or covered sickness.
specify otherwise.
Accident insurance — Helps offset unexpected medical expenses, such as emergency
You can continue coverage
room fees, deductibles and co-payments that can result from a fracture, dislocation or
when you retire or change other covered accidental injury.
jobs, with no increase in
premiums (with most plans). Life insurance — Enables you to tailor coverage for your individual needs and helps
provide financial security for your family members.
You may receive benefits
regardless of any insurance Cancer insurance — Helps offset the out-of-pocket medical and indirect, non-medical
you may have with other expenses related to cancer that most medical plans don’t cover. This coverage also
provides a benefit for specified cancer-screening tests.
companies (with most plans).
Critical illness insurance — Supplements your major medical coverage by providing a
lump-sum benefit you can use to pay the direct and indirect costs related to a covered
critical illness, which can often be expensive and lengthy.
Hospital confinement indemnity insurance — Provides a lump-sum benefit for a
covered hospital confinement or a covered outpatient surgery to help with co-
payments and deductibles that are not covered by most major medical plans.
Fill in the following information and bring with you to your
Colonial Life benefits counseling session.
Name _______________________________________________________
Date ________________________________________________________
Department/Location __________________________________________
Phone ______________________________________________________
Email _______________________________________________________
These coverages may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that
may affect benefits payable. For cost and complete details, please see your Colonial Life benefits counselor.
ColonialLife.com
©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are
underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. 3-15 | 42868-33
Jackson County Colonial Life Supplemental Products Guide 2021-2022 1Accident Insurance
Accidents happen in places where you and your family spend
the most time – at work, in the home and on the playground – and
they’re unexpected. How you care for them shouldn’t be.
In your lifetime, which of these accidental injuries have happened to you or someone you know?
O Sports-related accidental injury O Car accidents
O Broken bone O Falls & spills
O Burn O Dislocation
O Concussion O Accidental injuries that send you
O Laceration to the Emergency Room, Urgent Care
or doctor’s office
O Back or knee injuries
Colonial Life’s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles,
co-payments and out-of-pocket costs related to an accidental injury. The benefit to you is that you may not need to
use your savings or secure a loan to pay expenses. Plus you’ll feel better knowing you can have greater financial security.
Accident 1.0-Preferred with Health Screening Benefit
What additional features are What if I change employers?
included? If you change jobs or leave your employer, you can
O Worldwide coverage take your coverage with you at no additional cost.
Your coverage is guaranteed renewable as long as
O Portable you pay your premiums when they are due or within
O Compliant with Healthcare Spending the grace period.
Account (HSA) guidelines
Can my premium change?
Will my accident claim
Colonial Life can change your premium only if we
payment be reduced if I have change it on all policies of this kind in the state
other insurance? where your policy was issued.
You’re paid regardless of any other insurance you
may have with other insurance companies, and the How do I file a claim?
benefits are paid directly to you (unless you specify Visit coloniallife.com or call our Customer Service
otherwise). Department at 1.800.325.4368 for additional
information.
Jackson County Colonial Life Supplemental Products Guide 2021-2022 2Benefits listed are for each covered person per covered accident unless otherwise specified.
Initial Care
O Accident Emergency Treatment........... $150 O Ambulance .......................................$400
O X-ray Benefit ...................................................$50 O Air Ambulance ............................. $2,000
Common Accidental Injuries
Dislocations (Separated Joint) Non-Surgical Surgical
Hip $6,600 $13,200
Knee (except patella) $3,300 $6,600
Ankle – Bone or Bones of the Foot (other than Toes) $2,640 $5,280
Collarbone (Sternoclavicular) $1,650 $3,300
Lower Jaw, Shoulder, Elbow, Wrist $990 $1,980
Bone or Bones of the Hand $990 $1,980
Collarbone (Acromioclavicular and Separation) $330 $660
One Toe or Finger $330 $660
Fractures Non-Surgical Surgical
Depressed Skull $5,500 $11,000
Non-Depressed Skull $2,200 $4,400
Hip, Thigh $3,300 $6,600
Body of Vertebrae, Pelvis, Leg $1,650 $3,300
Bones of Face or Nose (except mandible or maxilla) $770 $1,540
Upper Jaw, Maxilla $770 $1,540
Upper Arm between Elbow and Shoulder $770 $1,540
Lower Jaw, Mandible, Kneecap, Ankle, Foot $660 $1,320
Shoulder Blade, Collarbone, Vertebral Process $660 $1,320
Forearm, Wrist, Hand $660 $1,320
Rib $550 $1,100
Coccyx $440 $880
Finger, Toe $220 $440
Your Colonial Life policy also provides benefits for the following injuries received as a result of a covered accident.
O Burn (based on size and degree) ....................................................................................$1,000 to $12,000
O Coma .............................................................................................................................................................$10,000
O Concussion .......................................................................................................................................................$150
O Emergency Dental Work .......................................$75 Extraction, $300 Crown, Implant, or Denture
O Lacerations (based on size) ...........................................................................................................$50 to $800
Requires Surgery
O Eye Injury ...........................................................................................................................................................$300
O Tendon/Ligament/Rotator Cuff..........................................................$500 - one, $1,000 - two or more
O Ruptured Disc ..................................................................................................................................................$500
O Torn Knee Cartilage .......................................................................................................................................$500
Surgical Care
O Surgery (cranial, open abdominal or thoracic) ................................................................................ $1,500
O Surgery (hernia) ..............................................................................................................................................$150
O Surgery (arthroscopic or exploratory) ....................................................................................................$250
O Blood/Plasma/Platelets ................................................................................................................................$300
Jackson County Colonial Life Supplemental Products Guide 2021-2022 3Transportation/Lodging Assistance
If injured, covered person must travel more than 50 miles from residence to receive special treatment
and confinement in a hospital.
O Transportation .............................................................................$500 per round trip up to 3 round trips
O Lodging (family member or companion) ...............................................$125 per night up to 30 days for
a hotel/motel lodging costs
Accident Hospital Care
O Hospital Admission* ........................................................................................................ $1,500 per accident
O Hospital ICU Admission* ................................................................................................ $3,000 per accident
* We will pay either the Hospital Admission or Hospital Intensive Care Unit (ICU) Admission, but not both.
O Hospital Confinement ......................................................... $250 per day up to 365 days per accident
O Hospital ICU Confinement ...................................................$500 per day up to 15 days per accident
Accident Follow-Up Care
O Accident Follow-Up Doctor Visit .......................................................... $50 (up to 3 visits per accident)
O Medical Imaging Study ......................................................................................................$250 per accident
(limit 1 per covered accident and 1 per calendar year)
O Occupational or Physical Therapy ..................................................... $35 per treatment up to 10 days
O Appliances .......................................................................................... $125 (such as wheelchair, crutches)
O Prosthetic Devices/Artificial Limb ....................................................$500 - one, $1,000 - more than 1
O Rehabilitation Unit .................................................$100 per day up to 15 days per covered accident,
and 30 days per calendar year.
Maximum of 30 days per calendar year
Accidental Dismemberment
O Loss of Finger/Toe .................................................................................$750 – one, $1,500 – two or more
O Loss or Loss of Use of Hand/Foot/Sight of Eye .....................$7,500 – one, $15,000 – two or more
Catastrophic Accident
For severe injuries that result in the total and irrecoverable:
O Loss of one hand and one foot O Loss of the sight of both eyes
O Loss of both hands or both feet O Loss of the hearing of both ears
O Loss or loss of use of one arm and one leg or O Loss of the ability to speak
O Loss or loss of use of both arms or both legs
Named Insured ................ $25,000 Spouse ..............$25,000 Child(ren) .........$12,500
365-day elimination period. Amounts reduced for covered persons age 65 and over.
Payable once per lifetime for each covered person.
Accidental Death
Accidental Death Common Carrier
O Named Insured $25,000 $100,000
O Spouse $25,000 $100,000
O Child(ren) $5,000 $20,000
Jackson County Colonial Life Supplemental Products Guide 2021-2022 4Health Screening Benefit O $50 per covered person per calendar year
Provides a benefit if the covered person has one of the health screening tests performed.
This benefit is payable once per calendar year per person and is subject to a 30-day waiting period.
Tests include:
O Blood test for triglycerides O Hemoccult stool analysis
O Bone marrow testing O Mammography
O Breast ultrasound O Pap smear
O CA 15-3 (blood test for breast cancer) O PSA (blood test for prostate cancer)
O CA125 (blood test for ovarian cancer) O Serum cholesterol test to determine
O Carotid doppler level of HDL and LDL
O CEA (blood test for colon cancer) O Serum protein electrophoresis
(blood test for myeloma)
O Chest x-ray
O Stress test on a bicycle or treadmill
O Colonoscopy
O Skin cancer biopsy
O Echocardiogram (ECHO)
O Thermography
O Electrocardiogram (EKG, ECG)
O ThinPrep pap test
O Fasting blood glucose test
O Virtual colonoscopy
O Flexible sigmoidoscopy
My Coverage Worksheet (For use with your Colonial Life benefits counselor)
Who will be covered? (check one)
Employee Only Spouse Only One Child Only Employee & Spouse
One-Parent Family, with Employee One-Parent Family, with Spouse Two-Parent Family
Accident 1.0-Preferred with Health Screening Benefit
When are covered accident benefits available? (check one)
On and Off -Job Benefits Off -Job Only Benefits
EXCLUSIONS
We will not pay benefits for losses that are caused by or are the result of: hazardous avocations; felonies or illegal
occupations; racing; semi-professional or professional sports; sickness; suicide or self-inflicted injuries; war or armed
conflict; in addition to the exclusions listed above, we also will not pay the Catastrophic Accident benefit for injuries
that are caused by or are the result of: birth; intoxication.
For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form Accident 1.0-HS-NC.
This is not an insurance contract and only the actual policy provisions will control.
Colonial Life ©2014 Colonial Life & Accident Insurance Company | Colonial Life insurance
1200 Colonial Life Boulevard products are underwritten by Colonial Life & Accident Insurance Company,
Columbia, South Carolina 29210 for which Colonial Life is the marketing brand.
coloniallife.com
6-14 71740-NC
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GLIGOSRI
)Accident 1.0 for NC Insurance Premiums
On/Off‐Job Accident Coverage
Name Employee & One‐Parent Two‐Parent
Coverage Level Issue Age Insured Spouse Family Family
Preferred with health screening 17 – 80 $ 9.76 $ 13.37 $ 15.08 $ 18.68
Premier with health screening 17 – 80 $ 12.24 $ 16.76 $ 18.32 $22.85
Important Notice
Insurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to
an outline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state.
Coverage may not be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan
choices.
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Jackson County Colonial Life Supplemental Products Guide 2021-2022 10Cancer Insurance
Level 2 Benefits
BENEFIT DESCRIPTION BENEFIT AMOUNT
Our cancer insurance helps
provide financial protection Air Ambulance................................................................................. $2,000 per trip
Transportation to or from a hospital or medical facility [max. of two trips per confinement]
through a variety of benefits.
Ambulance . . . . ................................................................................. $250 per trip
These benefits are not only for Transportation to or from a hospital or medical facility [max. of two trips per confinement]
you but also for your covered Anesthesia
Administered during a surgical procedure for cancer treatment
family members. Q General Anesthesia . ........................................................................ 25% of Surgical Procedures Benefit
Q Local Anesthesia. ........................................................................... $30 per procedure
Anti-nausea Medication..................................................................... $40 per day administered or
Doctor-prescribed medication for radiation or chemotherapy [$160 monthly max.] per prescription filled
Blood/Plasma/Platelets/Immunoglobulins . ........................................... $150 per day
A transfusion required during cancer treatment [$10,000 calendar year max.]
Bone Marrow Donor Screening............................................................ $50
Testing in connection with being a potential donor [once per lifetime]
Bone Marrow or Peripheral Stem Cell Donation....................................... $500
Receiving another person’s bone marrow or stem cells for a transplant [once per lifetime]
Bone Marrow or Peripheral Stem Cell Transplant. .................................... $4,000 per transplant
Transplant you receive in connection with cancer treatment
[max. of two bone marrow transplant benefits per lifetime]
Cancer Vaccine ................................................................................ $50
An FDA-approved vaccine for the prevention of cancer [once per lifetime]
Companion Transportation ................................................................ $0.50 per mile
Companion travels by plane, train or bus to accompany a covered cancer patient more
than 50 miles one way for treatment [up to $1,000 per round trip]
Egg(s) Extraction or Harvesting/Sperm Collection and Storage
Extracted/harvested or collected before chemotherapy or radiation [once per lifetime]
Q Egg(s) Extraction or Harvesting/Sperm Collection . ....................................... $700
Q Egg(s) or Sperm Storage (Cryopreservation) .............................................. $200
Experimental Treatment ................................................................... $250 per day
Hospital, medical or surgical care for cancer [$12,500 lifetime max.]
Family Care . . . . ................................................................................ $40 per day
For more information, Inpatient or outpatient treatment for a covered dependent child
[$2,000 calendar year max.]
talk with your
Hair/External Breast/Voice Box Prosthesis ............................................. $200 per calendar year
benefits counselor. Prosthesis needed as a direct result of cancer
Home Health Care Services . ............................................................... $75 per day
Examples include physical therapy, occupational therapy, speech therapy and
audiology; prosthesis and orthopedic appliances; rental or purchase of durable
medical equipment [up to 30 days per calendar year or twice the number of days
hospital confined, whichever is greater]
Hospice (Initial or Daily Care)
An initial, one-time benefit and a daily benefit for treatment [$15,000 lifetime max. for both]
Q Initial hospice care [once per lifetime] ..................................................... $1,000
Q Daily hospice care .......................................................................... $50 per day
CANCER ASSIST LEVEL 2
Jackson County Colonial Life Supplemental Products Guide 2021-2022 11BENEFIT DESCRIPTION BENEFIT AMOUNT
Hospital Confinement
Hospital stay (including intensive care) required for cancer treatment
Q 30 days or less . ......................................................................................... $150 per day
Q 31 days or more . ....................................................................................... $300 per day
Lodging . . . . . . . . . . . . ......................................................................................... $50 per day
Hotel/motel expenses when being treated for cancer more than 50 miles from home
[70-day calendar year max.]
Medical Imaging Studies................................................................................ $125 per study
Specific studies for cancer treatment [$250 calendar year max.]
Outpatient Surgical Center ............................................................................ $200 per day
Surgery at an outpatient center for cancer treatment [$600 calendar year max.]
Private Full-time Nursing Services ................................................................... $75 per day
Services while hospital confined other than those regularly furnished by the hospital
Prosthetic Device/Artificial Limb. ..................................................................... $1,500 per device or limb
A surgical implant needed because of cancer surgery [payable one per site, $3,000 lifetime max.]
Radiation/Chemotherapy
Weekly Benefit [max. once per week]
Q Injected chemotherapy by medical personnel . ....................................................... $500
Q Radiation delivered by medical personnel . ........................................................... $500
Monthly Chemotherapy Benefit [max. once per month]
Q Self-Injected . . .......................................................................................... $200
Q Pump . . . . . . . . ........................................................................................... $200
Q Topical . . . . . . . . .......................................................................................... $200
Q Oral Hormonal [1-24 months] . ......................................................................... $200
Q Oral Hormonal [25+ months]. .......................................................................... $100
Q Oral Non-Hormonal .................................................................................... $200
Reconstructive Surgery ................................................................................ $40 per surgical unit
A surgery to reconstruct anatomic defects that result from cancer treatment
ColonialLife.com [up to $2,500 per procedure, including 25% for general anesthesia]
Second Medical Opinion ................................................................................ $200
A second physician’s opinion on cancer surgery or treatment [once per lifetime]
Skilled Nursing Care Facility ........................................................................... $100 per day
Confinement to a covered facility after hospital release [up to the number of days paid for
hospital confinement]
Skin Cancer Initial Diagnosis........................................................................... $300
A skin cancer diagnosis while the policy is in force [once per lifetime]
Supportive or Protective Care Drugs and Colony Stimulating Factors . ..................... $100 per day
Doctor-prescribed drugs to enhance or modify radiation/chemotherapy treatments
[$800 calendar year max.]
Surgical Procedures ..................................................................................... $50 per surgical unit
Inpatient or outpatient surgery for cancer treatment [$3,000 max. per procedure]
Transportation . . . ......................................................................................... $0.50 per mile
Travel expenses when being treated for cancer more than 50 miles from home
[up to $1,000 per round trip]
Waiver of Premium ...................................................................................... Is available
No premiums due if the named insured is disabled longer than 90 consecutive days
The policy has limitations and exclusions that may affect benefits payable. Most benefits require that a charge be
©2014 Colonial Life & Accident Insurance Company
incurred. Policy may not be available in all states and may vary by state. For cost and complete details, see your
Colonial Life products are underwritten by
benefits counselor.
Colonial Life & Accident Insurance Company,
for which Colonial Life is the marketing brand. This chart highlights the benefits of policy form CanAssist (including state abbreviations where used – for example:
1-14 CanAssist-TX). This chart is not complete without form #101481.
101483
Jackson County Colonial Life Supplemental Products Guide 2021-2022 12Cancer Insurance
Level 3 Benefits
BENEFIT DESCRIPTION BENEFIT AMOUNT
Our cancer insurance helps
provide financial protection Air Ambulance................................................................................. $2,000 per trip
Transportation to or from a hospital or medical facility [max. of two trips per confinement]
through a variety of benefits.
Ambulance . . . . ................................................................................. $250 per trip
These benefits are not only for Transportation to or from a hospital or medical facility [max. of two trips per confinement]
you but also for your covered Anesthesia
Administered during a surgical procedure for cancer treatment
family members. Q General Anesthesia . ........................................................................ 25% of Surgical Procedures Benefit
Q Local Anesthesia. ........................................................................... $40 per procedure
Anti-nausea Medication..................................................................... $50 per day administered or
Doctor-prescribed medication for radiation or chemotherapy [$200 monthly max.] per prescription filled
Blood/Plasma/Platelets/Immunoglobulins . ........................................... $175 per day
A transfusion required during cancer treatment [$10,000 calendar year max.]
Bone Marrow Donor Screening............................................................ $50
Testing in connection with being a potential donor [once per lifetime]
Bone Marrow or Peripheral Stem Cell Donation....................................... $750
Receiving another person’s bone marrow or stem cells for a transplant [once per lifetime]
Bone Marrow or Peripheral Stem Cell Transplant. .................................... $7,000 per transplant
Transplant you receive in connection with cancer treatment
[max. of two bone marrow transplant benefits per lifetime]
Cancer Vaccine ................................................................................ $50
An FDA-approved vaccine for the prevention of cancer [once per lifetime]
Companion Transportation ................................................................ $0.50 per mile
Companion travels by plane, train or bus to accompany a covered cancer patient more
than 50 miles one way for treatment [up to $1,200 per round trip]
Egg(s) Extraction or Harvesting/Sperm Collection and Storage
Extracted/harvested or collected before chemotherapy or radiation [once per lifetime]
Q Egg(s) Extraction or Harvesting/Sperm Collection . ....................................... $1,000
Q Egg(s) or Sperm Storage (Cryopreservation) .............................................. $350
Experimental Treatment ................................................................... $300 per day
Hospital, medical or surgical care for cancer [$15,000 lifetime max.]
Family Care . . . . ................................................................................ $50 per day
For more information, Inpatient or outpatient treatment for a covered dependent child
[$2,500 calendar year max.]
talk with your
Hair/External Breast/Voice Box Prosthesis ............................................. $350 per calendar year
benefits counselor. Prosthesis needed as a direct result of cancer
Home Health Care Services . ............................................................... $100 per day
Examples include physical therapy, occupational therapy, speech therapy and
audiology; prosthesis and orthopedic appliances; rental or purchase of durable
medical equipment [up to 30 days per calendar year or twice the number of days
hospital confined, whichever is greater]
Hospice (Initial or Daily Care)
An initial, one-time benefit and a daily benefit for treatment [$15,000 lifetime max. for both]
Q Initial hospice care [once per lifetime] ..................................................... $1,000
Q Daily hospice care .......................................................................... $50 per day
CANCER ASSIST LEVEL 3
Jackson County Colonial Life Supplemental Products Guide 2021-2022 13BENEFIT DESCRIPTION BENEFIT AMOUNT
Hospital Confinement
Hospital stay (including intensive care) required for cancer treatment
Q 30 days or less . ......................................................................................... $250 per day
Q 31 days or more . ....................................................................................... $500 per day
Lodging . . . . . . . . . . . . ......................................................................................... $75 per day
Hotel/motel expenses when being treated for cancer more than 50 miles from home
[70-day calendar year max.]
Medical Imaging Studies................................................................................ $175 per study
Specific studies for cancer treatment [$350 calendar year max.]
Outpatient Surgical Center ............................................................................ $300 per day
Surgery at an outpatient center for cancer treatment [$900 calendar year max.]
Private Full-time Nursing Services ................................................................... $125 per day
Services while hospital confined other than those regularly furnished by the hospital
Prosthetic Device/Artificial Limb. ..................................................................... $2,000 per device or limb
A surgical implant needed because of cancer surgery [payable one per site, $4,000 lifetime max.]
Radiation/Chemotherapy
Weekly Benefit [max. once per week]
Q Injected chemotherapy by medical personnel . ....................................................... $750
Q Radiation delivered by medical personnel ............................................................ $750
Monthly Chemotherapy Benefit [max. once per month]
Q Self-Injected . . .......................................................................................... $300
Q Pump . . . . . . . . ........................................................................................... $300
Q Topical . . . . . . . . .......................................................................................... $300
Q Oral Hormonal [1-24 months] . ......................................................................... $300
Q Oral Hormonal [25+ months]. .......................................................................... $150
Q Oral Non-Hormonal .................................................................................... $300
Reconstructive Surgery . ................................................................................ $60 per surgical unit
A surgery to reconstruct anatomic defects that result from cancer treatment
ColonialLife.com [up to $3,000 per procedure, including 25% for general anesthesia]
Second Medical Opinion ................................................................................ $300
A second physician’s opinion on cancer surgery or treatment [once per lifetime]
Skilled Nursing Care Facility ........................................................................... $100 per day
Confinement to a covered facility after hospital release [up to the number of days paid for
hospital confinement]
Skin Cancer Initial Diagnosis........................................................................... $400
A skin cancer diagnosis while the policy is in force [once per lifetime]
Supportive or Protective Care Drugs and Colony Stimulating Factors . ..................... $150 per day
Doctor-prescribed drugs to enhance or modify radiation/chemotherapy treatments
[$1,200 calendar year max.]
Surgical Procedures ..................................................................................... $60 per surgical unit
Inpatient or outpatient surgery for cancer treatment [$5,000 max. per procedure]
Transportation . . . ......................................................................................... $0.50 per mile
Travel expenses when being treated for cancer more than 50 miles from home
[up to $1,200 per round trip]
Waiver of Premium ...................................................................................... Is available
No premiums due if the named insured is disabled longer than 90 consecutive days
The policy has limitations and exclusions that may affect benefits payable. Most benefits require that a charge be
©2014 Colonial Life & Accident Insurance Company
incurred. Policy may not be available in all states and may vary by state. For cost and complete details, see your
Colonial Life products are underwritten by
benefits counselor.
Colonial Life & Accident Insurance Company,
for which Colonial Life is the marketing brand. This chart highlights the benefits of policy form CanAssist (including state abbreviations where used – for example:
1-14 CanAssist-TX). This chart is not complete without form #101481.
101484
Jackson County Colonial Life Supplemental Products Guide 2021-2022 14Cancer Insurance
Wellness Benefits
Part one: Cancer wellness/health screening
To encourage early detection,
Provided when one of the tests listed below is performed after the waiting period and while
our cancer insurance offers
the policy is in force. Payable once per calendar year, per covered person.
benefits for wellness and health
screening tests. Cancer wellness tests Health screening tests
Q Bone marrow testing Q Blood test for triglycerides
Q Breast ultrasound Q Carotid Doppler
Q CA 15-3 (blood test for breast cancer) Q Echocardiogram (ECHO)
Q CA 125 (blood test for ovarian cancer) Q Electrocardiogram (EKG, ECG)
Q CEA (blood test for colon cancer) Q Fasting blood glucose test
Q Chest X-ray Q Serum cholesterol test for HDL
Q Colonoscopy and LDL levels
Q Flexible sigmoidoscopy Q Stress test on a bicycle or treadmill
Q Hemoccult stool analysis
Q Mammography
Q Pap smear
Q PSA (blood test for prostate cancer)
Q Serum protein electrophoresis
(blood test for myeloma)
Q Skin biopsy
Q Thermography
Q ThinPrep pap test
Q Virtual colonoscopy
Part two: Cancer wellness — additional invasive diagnostic
For more information, test or surgical procedure
talk with your
Provided when a doctor performs a diagnostic test or surgical procedure after the waiting
benefits counselor. period as the result of an abnormal result from one of the covered cancer wellness tests in
part one. We will pay the benefit regardless of the test results. Payable once per calendar year,
per covered person.
Waiting period means the first 30 days following the policy’s coverage effective date during which no benefits are payable.
The policy has exclusions and limitations. For cost and complete details of the coverage, see your Colonial Life benefits
counselor. Coverage may vary by state and may not be available in all states. Applicable to policy form CanAssist (and state
abbreviations where applicable, for example: CanAssist-TX).
©2015 Colonial Life & Accident Insurance Company, Columbia, SC | Colonial Life insurance products are
underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand.
CANCER ASSIST WELLNESS | 3-15 | 101486-1
Jackson County Colonial Life Supplemental Products Guide 2021-2022 15Cancer Insurance Premiums
With Progressive Payment Benefit, $100 Wellness Screening Benefit
$5,000 Initial Diagnosis Benefit
Named Employee & One‐Parent Two‐Parent
Coverage Level Issue Age Insured Spouse Family Family
Level 2 17 – 75 $ 17.05 $ 29.26 $ 17.42 $ 29.63
Level 3 17 – 75 $ 19.36 $ 34.13 $ 19.80 $ 34.57
$10,000 Initial Diagnosis Benefit
Named Employee & One‐Parent Two‐Parent
Coverage Level Issue Age Insured Spouse Family Family
Level 2 17 – 75 $ 20.51 $ 35.03 $ 21.11 $ 35.63
Level 3 17 – 75 $ 22.82 $ 39.90 $ 23.49 $ 40.57
Important Notice
Insurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations
and exclusions, please refer to an outline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits
counselor. Coverage type, benefits and rates vary by state. Coverage may not be available in all states. Rates provided are illustrative
and your actual premium may be different depending on your particular situation and plan choices.
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Jackson County Colonial Life Supplemental Products Guide 2021-2022 16Specified Critical Illness
Insurance
How will you pay for what your health insurance won’t?
Even those of us who plan for the unexpected with life, disability and health insurance may discover that
some expenses can still remain unpaid. Without adequate protection, sufferers of critical illnesses might
have to pull from their savings or rely on other financial sources in their time of need.
Specified Disease Insurance helps fill the gaps in your health insurance.
With Colonial Life’s Specified Critical Illness Insurance, you’re paid a benefit that can help you cover:
O Deductibles, co-pays and co-insurance of your health insurance
O Home health care needs and household modifications
O Travel expenses to and from treatment centers
O Lost income
O Rehabilitation
Critical Illness 1.0 with Health Screening and Subsequent Diagnosis
O Child care expenses
O Everyday living expenses
You’re free to use the benefit however you choose.
And coverage is available for you and your eligible family members.
Covered Specified Critical Illnesses
We will pay this percentage
For this illness…
of the face amount:
Heart Attack (Myocardial Infarction) 100%
Stroke 100%
Major Organ Failure 100%
End Stage Renal (Kidney) Failure 100%
Permanent Paralysis due to a Covered Accident 100%
Coma 100%
Blindness 100%
Occupational Infectious HIV or Occupational Infectious Hepatitis B, C or D 100%
Coronary Artery Bypass Graft Surgery 25%
The Maximum Benefit Amount for this policy is 3x the face amount for the Named Insured for all covered
persons combined. The policy will terminate when the Maximum Benefit Amount for Specified Critical Illness
has been paid.
Jackson County Colonial Life Supplemental Products Guide 2021-2022 17You can use this coverage more than once
Subsequent Diagnosis…
of a different Specified Critical Illness
If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with a different Specified
Critical Illness, we will pay the percentage of the original face amount.
Subsequent Diagnosis…
of the same Specified Critical Illness
If you receive a benefit for a Specified Critical Illness, and later you are diagnosed with the same Specified
Critical Illness (except those listed below), we will pay 25% of the original face amount. (Critical illnesses that do
not qualify are: Coronary Artery Bypass Graft Surgery and Occupational Infectious HIV or Occupational Infectious
Hepatitis B, C or D.)
Dates of Diagnoses of Specified Critical Illnesses must be separated by at least 180 days.
Health Screening Benefit
New technology can help improve your chances of surviving a serious illness through early detection and
treatment. We will pay this benefit if any covered person incurs a charge for and has any of the following
screening tests performed while your policy is in force.
O Stress test on a bicycle or treadmill
O Serum cholesterol test to determine levels of HDL and LDL
O Carotid doppler
O Electrocardiogram (ECG/EKG)
O Echocardiogram (ECHO)
O Chest x-ray
Critical Illness 1.0 with Health Screening and Subsequent Diagnosis
O Colonoscopy
O Mammography
O Pap smear
O PSA (blood test for prostate cancer)
24 tests included – No Lifetime Limit
This policy has exclusions and limitations. Premium will vary based on plan chosen. This is not an insurance contract and
only the actual policy provisions will control. For cost and complete details of the coverage, see your Colonial Life benefits
counselor. Applicable to policy form CI-1.0 or CI-1.0-PL6 (including state abbreviations where used,such as CI-1.0-TX).
Colonial Life ©2011 Colonial Life & Accident Insurance Company.
1200 Colonial Life Boulevard Colonial Life products are underwritten by Colonial Life & Accident
Columbia, South Carolina 29210 Insurance Company, for which Colonial Life is the marketing brand.
coloniallife.com Colonial Life and Making benefits count are registered service marks
of Colonial Life & Accident Insurance Company.
5/11 71760-2
Jackson County Colonial Life Supplemental Products Guide 2021-2022 18Specified Critical Illness Insurance Premiums
With Subsequent Diagnosis Coverage, Health Screening Benefit
Non‐Tobacco Rates
Employee & One‐Parent Two‐Parent
Coverage Level Issue Age Named Insured Spouse Family Family
$5,000 17‐24 $ 1.54 $ 2.35 $ 1.54 $ 2.35
25‐29 $ 1.71 $ 2.63 $ 1.71 $ 2.63
30‐34 $ 1.89 $ 2.93 $ 1.89 $ 2.93
35‐39 $ 2.44 $ 3.76 $ 2.44 $ 3.76
40‐44 $ 2.81 $ 4.31 $ 2.81 $ 4.31
45‐49 $ 3.51 $ 5.37 $ 3.51 $ 5.37
50‐54 $ 4.34 $ 6.67 $ 4.34 $ 6.67
55‐59 $ 5.24 $ 8.03 $ 5.24 $ 8.03
60‐64 $ 6.37 $ 9.78 $ 6.37 $ 9.78
65‐70 $ 7.61 $ 11.70 $ 7.61 $ 11.70
$10,000 17‐24 $ 2.10 $ 3.18 $ 2.10 $ 3.18
25‐29 $ 2.42 $ 3.74 $ 2.42 $ 3.74
30‐34 $ 2.79 $ 4.34 $ 2.79 $ 4.34
35‐39 $ 3.90 $ 6.00 $ 3.90 $ 6.00
40‐44 $ 4.64 $ 7.10 $ 4.64 $ 7.10
45‐49 $ 6.02 $ 9.23 $ 6.02 $ 9.23
50‐54 $ 7.68 $ 11.81 $ 7.68 $ 11.81
55‐59 $ 9.48 $ 14.54 $ 9.48 $ 14.54
60‐64 $ 11.74 $ 18.04 $ 11.74 $ 18.04
65‐70 $ 14.24 $ 21.87 $ 14.24 $ 21.87
$15,000 17‐24 $ 2.65 $ 4.01 $ 2.65 $ 4.01
25‐29 $ 3.14 $ 4.84 $ 3.14 $ 4.84
30‐34 $ 3.69 $ 5.74 $ 3.69 $ 5.74
35‐39 $ 5.35 $ 8.24 $ 5.35 $ 8.24
40‐44 $ 6.46 $ 9.90 $ 6.46 $ 9.90
45‐49 $ 8.54 $ 13.08 $ 8.54 $ 13.08
50‐54 $ 11.03 $ 16.96 $ 11.03 $ 16.96
55‐59 $ 13.73 $ 21.04 $ 13.73 $ 21.04
60‐64 $ 17.12 $ 26.30 $ 17.12 $ 26.30
65‐70 $ 20.86 $ 32.05 $ 20.86 $ 32.05
$20,000 17‐24 $ 3.21 $ 4.84 $ 3.21 $ 4.84
25‐29 $ 3.85 $ 5.95 $ 3.85 $ 5.95
30‐34 $ 4.59 $ 7.15 $ 4.59 $ 7.15
35‐39 $ 6.81 $ 10.47 $ 6.81 $ 10.47
40‐44 $ 8.28 $ 12.69 $ 8.28 $ 12.69
45‐49 $ 11.05 $ 16.94 $ 11.05 $ 16.94
50‐54 $ 14.37 $ 22.10 $ 14.37 $ 22.10
55‐59 $ 17.97 $ 27.55 $ 17.97 $ 27.55
60‐64 $ 22.50 $ 34.57 $ 22.50 $ 34.57
65‐70 $ 27.48 $ 42.23 $ 27.48 $ 42.23
Jackson County Colonial Life Supplemental Products Guide 2021-2022 19You can also read
