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What Voluntary Benefits Can Do for Your Business
- Strengthen your benefits package with coverage that works alongside your medical plan
- Help attract and retain employees with more benefit choices
- Fit your budget: benefits can be fully employee-paid or shared, through payroll deduction
- Reach more of your team with bilingual English/Spanish benefits counselors
- Keep administration manageable with enrollment support and help with setup, billing, and claims
Help Your Team Handle the Costs Medical Insurance May Not Cover
An accident or illness can bring deductibles, household bills, travel for treatment, and missed paychecks. Voluntary benefits help your employees prepare for those costs. With accident, disability, and hospital indemnity coverage, benefits are paid directly to the covered employee to use where it’s needed most. Life insurance pays the named beneficiary.
Coverage Your Employees Can Choose
- Disability: replaces part of an employee’s income if they’re sick or hurt and can’t work
- Accident: helps with expenses after a covered accident
- Hospital indemnity: can pay a benefit for hospital stays or outpatient surgery, on top of any medical insurance
- Critical illness: pays a lump-sum benefit after diagnosis of a covered illness
- Cancer: helps with out-of-pocket costs from diagnosis through recovery, plus a benefit for cancer screening tests
- Life: financial support for loved ones
- Dental: helps with routine and unexpected dental work, with optional vision coverage
Employees, spouses, eligible dependent children, and business owners may be eligible. Eligibility and coverage vary by plan. Employees can generally make changes during annual enrollment or after a qualifying life event.
Enrollment That Works for Your Team
We coordinate enrollment for you with Colonial Life benefits counselors, who meet one-on-one with your employees to explain their options, with no pressure to buy. Enrollment can be set up for multi-site, multi-shift, and multilingual workforces. Bilingual benefits counselors can meet with your employees in English or Spanish.
- In person at your worksite, one-on-one or in groups
- Virtual video meetings, which spouses or partners can join
- By phone
- In English or Spanish with bilingual benefits counselors
- Online self-enrollment
- Online scheduling, so employees can book a time that works for them
Colonial Life and Employee Navigator
Colonial Life and Employee Navigator have a direct connection. When CBIS is your group benefits broker and you use Employee Navigator for benefits administration, your Colonial Life voluntary benefits can be handled in the same system as the rest of your benefits, instead of a separate process. Learn more about benefits administration with Employee Navigator.
Support for You, Not Just Your Employees
- Help with account setup, enrollment, billing, and claims
- An online plan administrator account to manage employee benefits and pay bills
- An online policyholder account where employees can view coverage and file claims
- Complimentary Colonial Life partnership programs and resources
Have a complex or multi-entity business setup? We’ll connect you with a specialist.
Frequently Asked Questions
Who pays for voluntary benefits?
You decide. Benefits can be fully employee-paid or shared between you and your employees, usually through payroll deduction.
Do voluntary benefits replace our health plan?
No. They’re supplemental and designed to work alongside major medical coverage.
How does enrollment work?
Employees can enroll in person, by video, by phone, or online, with benefits counselors available to answer questions.
Why Work with CBIS
Based in Santee, serving San Diego County, and helping people across California by phone or video.
We work only with insurance companies rated A or better by AM Best.
Licensed in California. CA License #0F09685.
For more about Colonial Life’s products, visit coloniallife.com.
Ready to Build a Stronger Benefits Package?
Let’s talk about what voluntary benefits could look like for your team. Meet with us by phone or video call.
Book a ConsultationRequest a Quote
Or call (858) 283-7575. Prefer email? Contact our team at customerservice@cbisusa.com.