The following information highlights the benefits of the current Disability policy available through your benefits package. If you enrolled in a Disability Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your open enrollment period for any assistance.
Designed especially to supplement existing state plans in North Carolina. Please meet with the Colonial Representative at your location to discuss benefit amounts and rates that best suit you. For an outline of coverage, please click here (PDF).
*Partial Disability benefit available after you have been paid the total disability benefit for at least one full month immediately prior to your being partially disabled.
Hospital Confinement Benefit
Pays in addition to disability benefit.
Benefits begin first day for accidents and sickness
Up to 3 months
$1,200/per month ($40/day)
Accidental Death and Dismemberment
Benefits payable for death or dismemberment occurring within 90 days from date of accident
Accidental Death
$10,000
Single Dismemberment
$750
Double Dismemberment
$1,500
Loss of a Hand, Foot or Sight of Eye
Single Dismemberment
$5,000
Double Dismemberment
$10,000
Common Carrier Death (includes school bus for school activities)
$20,000
You're eligible for most benefits from the first day of your covered accident – including weekends, holidays and summer vacation – with no waiting period.
You're paid regardless of workers' comp or any other insurance you may have with other insurance companies.
You may file a claim by following the instructions on the claim form included with your policy.
Optional life coverage is available to you and your dependents with limited underwriting.
You can keep your policy even if you change jobs or retire, at no increase in premium.
You're eligible for the Waiver of Premium benefit after you have been totally disabled or qualify for partial disability because of a covered sickness or injuries from a covered accident for more than 90 consecutive days while your policy is in force. The premium will be waived for up to one year as long as you remain disabled.
Normal pregnancy is covered the same as any other covered sickness.
Even if you're not disabled, the following benefits are payable for accidental injuries:
Medical Fees
Up to $350 per accident
Medical Fees are for doctor office visits, X-rays, and hospital emergency room expenses, including supplies used.
The following benefits are payable for accidental injuries that result in a fracture or dislocation within 90 days from the date of accident:
Complete Fractures
requiring closed reduction
Hip, Thigh
$1,500
Lower Jaw
$600
Vertebrae
1,350
Shoulder Blade, Collarbone
600
Pelvis
1,200
Upper Arm, Upper Jaw
525
Skull (depressed)
1,125
Skull (simple)
525
Leg
900
Facial Bones
450
Foot, Ankle, Kneecap
750
Vertebral Processes
300
Forearm, Hand, Wrist
750
Coccyx, Rib, Finger, Toe
120
Complete Dislocations
requiring closed reduction with anesthesia
Hip
$1,350
Hand
$525
Knee
975
Lower Jaw
450
Shoulder
750
Wrist
375
Collarbone
675
Elbow
300
Foot, Ankle
600
One Finger, Toe
120
For a fracture or dislocation requiring an open operation, your benefit would be 1-1/2 times the amount shown.
For a chip fracture, your benefit would be 25 percent of the amount shown. Chip fractures are those in which a fragment of bone is broken off near a joint at a point where a ligament is attached.
For multiple fractures or dislocations, you would receive each amount, up to a total of 1-1/2 times the highest amount.
For your first dislocation, you would receive the amount shown; however, recurrent dislocations are not covered.
Spouse $6.50
Dependent Coverage
All Children $7.50
You may cover one or all of the eligible dependent members of your family for an additional premium. Eligible dependents include your spouse and ALL unmarried dependent children younger than age 25.
Medical Fees
Per Accident - Up to
$350
Medical Fees are for doctor office visits, X-rays, and hospital emergency room expenses, including supplies used
