Help employees protect their families, finances, and futures

• Helping protect employees’ families, finances and futures is the right thing to do.
• Flexibility and personalization are essential.
• Businesses and employees have different needs that deserve equal attention.

• Protecting employees and their families for 80+ years.
• Established payroll-deducted benefits in 1955.
• Currently covering more than 4.5 million employees and family members.*
• More than 4,200 locally-based benefit counselors, serving the employees of more than 100,000 businesses and organizations nationwide.*

Employees rely on you for more than just a paycheck. They want the peace of 

mind that an injury or illness won’t jeopardize their financial security. That’s 

where voluntary benefits come in. 

• Wages
• Medical insurance
• Supplemental health benefits

                  ‐ Accident insurance

                  ‐ Dental insurance

                  ‐ Vision insurance

                  ‐ Hospital confinement indemnity insurance

• Income protection

                  ‐ Disability insurance

• Life insurance benefits

                  ‐ Whole Life

                  ‐ Term Life

• Specified disease

                  ‐ Cancer insurance

                  ‐ Critical illness insurance

Voluntary benefits can help pay for out-of-pocket expenses that major medical and other insurance may not cover. Paid directly to the employee, voluntary benefits can be customized to fit the specific needs of your business and your employees. Employees may use them for:

• Deductibles or coinsurance 
• Household bills
• Replacement of wages or savings

Cost Management 

Manage the rising costs of benefits with voluntary benefits and tax savings.

Benefits Administration 

Save time with modern benefits enrollment, administration and HR technology.

Benefits Education  

Communicate and educate employees about their benefits, which may help increase engagement and 

retention.

Financial Protection 

Offer a comprehensive benefits package that helps retains and attracts skilled employees.

Employee retention and recruitment

Benefits are a major reason why employees stay at their current jobs and a key reason why they choose to accept a new one. 

Greater cost control

Voluntary benefits help cushion the financial impact of out-of-pocket expenses from high-cost health plans.

Increase your profit and bottom line.

Employees can pay for many voluntary benefits with their pre-tax income. 

This lowers both the income tax they pay and the FICA taxes you pay.

Fast, accurate claims

Your employees expect claims to be fast and simple.* 

We deliver:

• 61% of claims processed within 5 days.
• 600,000 claims paid out annually.

Low stress account management

• Colonial Life for Clients: provides a quick and easy way to manage your benefits online.
• Colonial Life for Policyholders: empowers your employees to view their benefits and manage their claims online.

Valuable partnership programs

Through our trusted partner network, we’ll connect you with complimentary resources and services that can help strengthen your benefits program.

Gathr takes the hassle out of benefits enrollment and administration with our HR technology designed for small- to medium-sized businesses, so you can focus more time and resources on your business. 

Gathr offers these key features:

     Benefits enrollment and administration

• Enroll in core medical, group, voluntary, dental and vision benefits on one platform.
• Reduce time spent on benefits administration with an intuitive dashboard.

     Employee records

• Collect and keep track of all employee records in one secure place.
• Secure document-sharing and storage capabilities.

     Onboarding

• Deliver a modern onboarding experience
• Create customized, digitally-signed documents  (offer letters, I-9s, W-4s, banking information, company handbooks, safety and compliance training manuals, non-compete documents).

     Payroll sync checklist

• Keep payroll up to date and accurate with a digital checklist.
• Track changes and calculate amounts affecting paychecks.

**Payroll services are not included in Gathr. Integration and embedded options are available  via partners. Additional fees apply. Core benefits are offered by third parties.  

Expertise

We help employees understand their benefits:

• Highly trained benefit counselors
• Personalized experience
• Benefits communication and education on all benefits

Technology

We pair people with technology:

• High-tech, high-touch approach
• Online scheduling tool
• Integrated enrollment technology

Flexible enrollment

We meet your employees where they are:

• Face-to-face
• Virtual 
• Group
• Telephonic

Personalized benefits counseling 

1-to-1 benefits counseling helps your bottom line by educating your employees about their benefits. 

Employees can: 

• Review their total benefits, including major medical
• Personalize their coverage
• Better understand and appreciate their benefits
• Enroll via face-to-face, virtual or telephonic methods

Benefits education and communication strategy

We provide customized education and communication that engage employees and boost participation. 

• Email campaigns
• Digital postcards
• Custom learning websites
• Digital benefit booklets

* Colonial Life internal data, 2023.  

Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC.    

© 2023 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered 

trademark and marketing brand, and Gathr is a trademark, of Colonial Life & Accident Insurance Company.