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The world of employee benefits grows more complicated every year. Rising health care costs and premiums. New government regulations. Competition to offer a better benefits program. Increased overhead to compete with your benefits budget. People make the difference, in your business and in ours. You want to offer your employees the best benefits package you can, and so do we. Our professional benefit representatives are dedicated to making benefits count for you and your employees. We don’t just offer benefits — because no two businesses are alike. We can help you understand the type of benefits that may work best for you, and then help your employees better understand and appreciate the benefits you make available to them. It’s a proven fact that the more employees understand their benefits, the more they appreciate them. That helps you have satisfied employees, which results in stronger employee retention – another thing that’s becoming more complicated these days. Only through Colonial Life can you find these benefit solutions all together in one place. And we do it all at no direct cost to you.
Colonial Life is a single-source provider of: Benefits counseling to help each employee understand and appreciate benefits available at work. Enrollment services that save time and money. And insurance products tailored to personal needs. We can help you design a flexible employee benefits package that fits the needs of your business as well as your employees. This enables you to build a more loyal and satisfied workforce, and ultimately, a stronger organization. As counselors for your employees’ benefits needs, we come to your worksite and spend 1-to-1 time with each employee to provide simple, straightforward advice about the benefits they have — and those they may need to fit their individual lifestyles and budgets. And we do it all at no direct cost to you.
Colonial Life’s industry-leading benefits communication and enrollment capabilities are making benefits count for employers throughout the country. Our trained benefit counselors meet individually with your employees to review the available benefits in a way that is easy to understand, review their own personal benefit situations, and enroll them through our advanced and simple-to-use enrollment technologies.
With rising deductibles and co-payments adding to the popularity of consumer-driven benefits, employees' appetite for workplace products continues to grow. And what they don’t know and understand about their benefits can hurt your ability to attract and retain a quality workforce. Our thorough benefits communication helps your employees understand their benefits AND appreciate the contributions you make for them. And best of all, we handle the enrollment communication and enrollment details for you – before, during and after the enrollment.
Our ability to provide consistent, clear communication with employees helps ensure they understand the benefits available to them, which creates much greater employee satisfaction. Each employee has the chance to confidentially review his or her current benefits, consider new options, and most importantly, see how their choices will affect their paycheck. After all, Colonial Life is all about making benefits count with options that mean the most to you. And we provide these services at no additional cost to you.
At group meetings with employees, we communicate your entire benefits program -- from major medical to 401(k)s and even vacation time. We can produce a variety of pre-enrollment communications to help promote the group meeting, as well as the overall enrollment process. In short, we provide a detailed, customized overview of the employee’s benefits – whatever you want to highlight.
In 1-to-1 meetings, employees can ask sensitive health-related questions as they relate to insurance programs, discuss changes in marital status, number of dependents and how the changes would effect what types of programs they have. It also uncovers simple changes, such as a new address. If we make any updates or changes, we will make them in a confidential manner and give them back to you for updating your personnel files. This includes addresses, phone numbers, and marital status. What this means to you is up-to-date information on all your employees, and the real benefit to you is fewer errors in sending such things as W-2’s – and less work for your staff.
Then, we provide your employees with information specific to how their choices are paid for – showing both their contribution and yours. This is an example of the summary that we will provide for each employee. It shows every benefit the employee selected, all benefits that are pre-tax and all benefits that are after-tax. And, here another time on paper, the employee sees exactly what the employer spends on the cost of each benefit. The employee can take this home, review it more extensively and share it with his or her spouse or significant other. They can consider the benefits the employee has, the contribution your company makes toward them, and the impact the deductions have on the take-home pay.
This is a sample benefit statement, another service we provide for the employee to take home, designed to show the employee's “hidden paycheck.” This statement adds your employer contributions for benefits and shows this as a part of the employee’s total compensation. It can provide a total overview of all benefits, including medical insurance, vision, 401-k match, paid time off and retirement plans. Employees learn the true dollar value of their benefits and gain appreciation for what you provide, which means employees really see the whole picture as it pertains to their benefits. Each employee walks away from the 1-to-1 meeting with a hard copy salary illustration and benefits statement that shows what he or she contributes to benefits and what you, the employer, contribute.
We tailor our enrollment options to create a broad spectrum to suit your business needs and the work schedules of your employees, which saves you time and simplifies the enrollment process.
A Personal Touch And Easy-To-Use Enrollment Technology Colonial Life’s traditional 1-to-1 enrollments offer the most employee engagement and best opportunity for decision-making support. To help educate and counsel your employees on their benefit needs, we come to your worksite and spend one-to-one time with each employee. In cases where employees work in the field, are constantly mobile or are in secured locations, our Call Center provides another 1-to-1 option. Employees can simply call our toll-free number and a Call Center associate will educate the employee about the benefits available, answer the employee’s questions and then lead the employee through the enrollment process. We also offer the option of co-browsing. It’s the same as a 1-to-1 enrollment, but conducted over the Internet with a Colonial Life benefits counselor. Self enrollment and group meetings offer alternative options that are available to access employees who work remotely or are not able to meet with a benefit counselor. Our pre-enrollment communications can introduce employees to our simple web-based enrollment system and the steps they need to follow. And when planning and conducting the enrollment, you will have a dedicated Colonial Life team of experienced professionals throughout the entire process to ensure its success – year after year. Whichever option best fits your needs, the web-based technology that powers all of our enrollments is our award-winning and simple-to-use Harmony® system, which features online and offline capabilities. It’s just another way we’re making benefits count for businesses like yours.
The election form helps complete the process by: Providing your employees a clear summary of their enrollment decisions. Providing your plan administrators with a concise summary of payroll elections for easy data input and employee records. And helping provide you with compliance and liability protection by having the employee’s signature. We take the communications from A to Z: the group presentation, 1-to-1 enrollment, then benefit election information on paper, so employees have a true picture of the benefits you provide and a greater appreciation of those benefits.
At Colonial Life, we focus on providing employers with the products and services that best meet the needs of individual working Americans.
Package your employee benefit offerings with Colonial Life’s personal insurance products and help your employees fill the gaps in their coverage. Employees can select and pay for the protection they feel they need the most. By packaging your benefits in this way, you can: Offer new coverage options, at no direct cost to your business. Allow employees to pay for the coverage through the convenience of payroll deduction. Enjoy employer tax savings and provide tax savings for your employees by pre-taxing through Section 125. And help your employees pay for what their health insurance doesn’t.
By having a wide portfolio of products from which to choose, you can design your benefit package to give your employees the very best plan available.
Colonial Life can help you enhance your employee benefits package while reducing the tax burden for both you and your employees. Through our marketing alliances, we can provide you with Premium Only Plan and Flexible Spending Account administration services to help ensure you are in compliance with Section 125 provisions and regulations.
With a flexible spending account, employees can add pre-tax dollars to reimbursement accounts such as dependent care and medical reimbursement accounts to help with the cost of qualified expenses.
A special website provided by Colonial Life gives you a direct link to valuable information regarding human resource policies and guidelines, as well as state and federal laws and regulations explained in everyday language. At no direct cost to you!
Colonial Life’s E-Services offer tangible advantages: Saves plan administrators hours of valuable time. Promotes faster application of premium. And provides access to valuable resources and tools. These web-based services are designed to provide employers with a paperless billing process – all available at no charge.
Surveys show that our dedicated, experienced claims processing team, along with our advanced, state-of-the art systems, have helped Colonial Life gain a reputation of being easy to do business with among employers, their employees and sales partners. That’s why the majority of our clients stay with us. And that’s the idea behind all of Colonial Life’s services: To provide what is most convenient for the customer, not what is easiest for us.
We strive to handle every request professionally, accurately and courteously. Dedicated plan administrator service specialists are ready to assist you from 8 a.m. until 7 p.m. Eastern Standard Time. Bilingual service specialists are also available for Spanish-speaking customers. And our web-based billing and administration services for Colonial Life products are designed with plan administrators in mind. We want to help you save valuable time and energy so you can focus on the other important aspects of your job.
Our customer service representatives are Colonial Life employees, and receive a comprehensive training program (both in the classroom and on-the-job) on all Colonial Life products and services, instilling a comfort and sense of caring with our customers. By empowering our customer service representatives to make decisions, our goal is for policyholders to enjoy “one-call” shopping without getting transferred from one representative to another to get an answer. Quality analysts are dedicated to monitoring calls to ensure every customer contact is handled with professionalism and accuracy. We conduct both quality and accuracy audits.
How soon can we can begin making benefits count for you? Next Steps: Complete new account information form. Obtain employee census information. Schedule group enrollment meetings. Schedule 1-to-1 meetings.
Benefit Solutions That Count
Benefit Solutions That Count Benefits counseling to help each employee understand and appreciate Benefits available at work. Enrollment options That save time and money. Insurance products Tailored to personal needs.
Benefits Counseling Count on Colonial Life’s BENEFITS COMMUNICATION to help your employees understand and appreciate what you do for them.
Group Meetings <ul><li>Major medical </li></ul><ul><ul><li>Dental </li></ul></ul><ul><ul><li>Vision </li></ul></ul><ul><ul><li>401(k) and pension plans </li></ul></ul><ul><ul><li>Disability </li></ul></ul><ul><ul><li>PTO/sick leave </li></ul></ul>
<ul><li>Enrollment Options </li></ul>Count on Colonial Life to make your ENROLLMENT easy, streamlined and efficient.
Enrollment Options <ul><ul><li>1-to-1 enrollments </li></ul></ul><ul><ul><li>Call Center </li></ul></ul><ul><ul><li>Co-browsing </li></ul></ul><ul><ul><li>Self enrollment and group meetings </li></ul></ul><ul><ul><li>All powered by Harmony ® </li></ul></ul>
<ul><li>Personal Insurance Products </li></ul>Count on Colonial Life’s PERSONAL INSURANCE PRODUCTS to give you flexibility in providing the benefits that make the most sense for your employees.
Help Fill the Gaps Employer Benefits Package <ul><li>Medical </li></ul><ul><li>Life </li></ul><ul><li>Retirement </li></ul>Colonial Life’s Personal Insurance Products
Personal Insurance Product Portfolio <ul><li>Short-Term Disability </li></ul><ul><li>Life </li></ul><ul><li>Accident </li></ul><ul><li>Cancer and Critical Illness </li></ul><ul><li>Hospital Confinement Indemnity </li></ul><ul><li>Limited Benefit Medical Plan </li></ul>
<ul><li>Superior Services </li></ul>Count on Colonial Life’s SUPERIOR SERVICES to make your administrative life easier.
Premium Only Plan <ul><ul><li>Save on taxes. </li></ul></ul><ul><ul><li>Increase employees’ spendable income. </li></ul></ul>*Based on 26 pay periods
Flexible Spending Accounts <ul><ul><li>Save on taxes. </li></ul></ul><ul><ul><li>Increase employees’ spendable income. </li></ul></ul>*Based on 2006 South Carolina Tax Tables
Superior Services Save valuable administrative time with services you can count on.
E Services <ul><li>E-Services provide value-added tools: </li></ul><ul><ul><li>Ez Billing “paperless” billing system </li></ul></ul><ul><ul><li>E-Pay </li></ul></ul><ul><ul><li>E-Bill </li></ul></ul><ul><ul><li>Ez-Administration </li></ul></ul>
Long-Term Relationships Approximately 65% of Colonial Life’s new premium historically comes from existing business each year. Source: Colonial Life records, 2008
Superior Services <ul><li>9 in 10 Colonial Life claimants are satisfied with claims service overall & would recommend Colonial Life to others. </li></ul><ul><li>2008 LIMRA Survey </li></ul>
Superior Services More than 90% of Colonial Life policyholders say their calls are answered in a timely manner. 2008 LIMRA Survey
Making Benefits Count Let Colonial Life provide you with the personal insurance products and superior services you can count on to make your business a success. Making benefits count for you and your employees. That’s Colonial Life.