Employee-paid options
Employees choose whether to enroll and pay premiums through payroll deduction.
Workplace benefit products
Build a benefit package around the workforce, not a generic menu.
Cory District helps employers and brokers evaluate voluntary and employer-paid options, explain them clearly, and coordinate enrollment.
Funding and tax treatment
More than one way to structure the package.
Voluntary lines are employee-paid through payroll deduction. Employer-paid and Section 125 pre-tax options are also available. The right design depends on the employer's objectives, employee population, and the applicable plan provisions.
Employer-paid options
The employer may fund eligible benefits as part of the overall compensation strategy.
Section 125 options
Eligible pre-tax arrangements may be available depending on plan structure and applicable requirements.
Explore the portfolio
Click a product to understand the conversation.
These summaries are educational, not an offer of coverage. Contract provisions, exclusions, and availability control.
01DentalCoverage designed to help employees manage routine dental care and more involved treatment.
Dental coverage can help employees plan for preventive care and eligible dental treatment. Plan details vary, so the right conversation starts with the available provisions and the workforce's needs.
Questions to review Preventive and diagnostic care Basic and major services, when included Network and plan administration details
Discuss dental options 02VisionCoverage options for routine eye care, lenses, frames, and contacts.
Vision coverage can support routine exams and eligible materials such as lenses, frames, and contacts.
Questions to review Exam and material allowances Network access Frequency limits and plan provisions
Discuss vision options 03DisabilityShort-term, long-term, and state-replacement disability options that can help protect income when an employee cannot work.
Short-term, long-term, and state-replacement disability coverage can help replace part of an employee's income after an eligible illness or injury prevents work.
Questions to review Benefit duration and waiting periods Short-term, long-term, and state-replacement options Employer-paid and employee-paid designs
Discuss disability options 04AccidentCash benefits that can help with eligible costs after a covered accident.
Accident insurance can pay cash benefits for eligible covered injuries. Employees can use the benefit according to their own household priorities.
Questions to review Covered injuries and services Benefit schedules and exclusions How the coverage coordinates with other insurance
Discuss accident options 05HospitalCash benefits that can help after a covered hospital admission or stay.
Hospital coverage can provide cash benefits for eligible admissions and stays, helping employees manage costs that medical insurance may not fully address.
Questions to review Admission and confinement benefits Eligible hospital services Coordination with the broader benefit package
Discuss hospital options 06Critical IllnessLump-sum benefits for eligible serious diagnoses, paid directly to the insured unless assigned.
Critical illness coverage can provide a lump-sum benefit after an eligible diagnosis. The benefit is paid directly to the insured unless assigned.
Questions to review Covered conditions Benefit amounts and recurrence provisions Health screening benefits when available
Discuss critical illness options 07CancerFocused benefits that can help with eligible treatment and recovery costs.
Cancer coverage can provide benefits tied to eligible screening, diagnosis, treatment, and recovery events.
Questions to review Screening and diagnostic benefits Treatment-related benefit schedules Plan exclusions and state availability
Discuss cancer options 08LifeWorksite life insurance options that help employees plan for the people who depend on them.
Worksite life insurance can help employees provide financial protection for the people who depend on them.
Questions to review Available coverage amounts Portability provisions Employee and dependent options
Discuss life options Important product information
Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC, and, for dental and disability, by Unum Life Insurance Company of America. Product availability, provisions and exclusions vary by state. This site is for licensed brokers and employers and is not an offer of coverage.
Review official Colonial Life product pagesStart with a conversation
Build a package that makes sense for the group.
Tell us about the group, the timing, and what you want the benefit program to accomplish.