Disability insurance supports income protection

When your employees are unable to work due to a covered injury or sickness, disability insurance provides the financial support to help cover their ongoing expenses in tough times.

Common causes of disability claims*

Disability insurance provides income protection for a range of medical conditions, including:

  • Pregnancy and childbirth
  • Back and joint disorders
  • Accidents and fractures
  • Cancer
  • Heart attacks and strokes
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Kim’s disability benefits story

Advantages for employers and employees

Here’s how offering our disability coverage supports your business and your employees.
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For employers and HR professionals

  • Customize a benefits package that helps attract and retain high-performing employees, without adding costs to your bottom line
  • Manage the rising costs of coverage through voluntary benefits and potential tax savings
  • Save time and money on advancing paychecks and coordinating benefits for disabled employees
  • Simplify plan administration with our benefits enrollment and management tools
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For your employees

  • Customize the amount of their disability coverage to best meet their needs
  • Choose to keep their coverage if they change jobs or leave the company with some policy options
  • View their benefits and file their claims quickly with our intuitive portal for policyholders

What popular features in the policyholder portal help employees use their benefits?

Check on policies and personal info
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    See the status and get a copy of their policy
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    Check their premium amount and due date
File and review claims online
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    File or check on the status of a claim
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    Set up direct deposit for quicker benefit payment

FAQ: Policy selection

FAQ: Coverage and benefits

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*Integrated Benefits Institute, Health and Productivity Benchmarking 2022 (released 2Q 2024).

Long Term Disability insurance is underwritten by Unum Life Insurance Company of America, Portland, ME.

This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. The insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company. An insurance producer may contact you.

Policy forms marketed by the company are too numerous to list in the advertisement, but a list can be provided upon request.

For policies issued or delivered in the Commonwealth of Virginia, THESE DISABILITY INSURANCE POLICIES ARE EXCEPTED BENEFITS POLICIES. THEY PROVIDE COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICIES.

Colonial Life and Unum are registered trademarks and marketing brands of Unum Group and its insuring subsidiaries.