Local Office: 386-252-9806

Colonial Life - Florida
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Local Office: 386-252-9806


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Help employees protect their families, finances, and futures

THE HEART OF WHAT WE DO 

 We help make sure your employees get the most out of their benefits  when they need it the most. 

Horizontal Image Top: Benefits Communication; Mid: Flexible Enrollment; Bottom: Voluntary Benefits.

Our shared ideals

  • 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.

A track record built on trust

  • 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.*

Benefits wheel (Illustration Only).

Better benefits, better engagement, better bottom line

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 at a glance

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

Image of a Clipboard.

high impact solutions

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.

Attract talent, increase loyalty, boost productivity

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.

What sets us apart

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.

The Gathr logo. Gathr is a trademark, of Colonial Life & Accident Insurance Company.

Benefits and HR technology

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.  


Image of a clipboard with a checkmark in the lower right-hand corner.

We make enrollment easy

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


interested in receiving a quote?

Click on the button below to complete the form. 

If you have any difficulty, please contact us via email at floridapsoffice@coloniallifesale.com

Complete Form

Life is anything but expected.   

Including our approach to benefits.  


Colonial Life. Keep Unexpecting®   

* 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.

Employer Frequently Asked Questions

Have a question about voluntary benefits? Here are some FAQs from businesses and HR professionals.

Please reach us at FLDistrict@coloniallifesales.com if you cannot find an answer to your question.

Quickly manage your employees' benefits and pay your bill by logging in to our secure website for plan administrators.


Not registered yet? Request access now.


Call plan administrator support: 1-800-256-7004, Monday-Friday, 8 a.m. to 7 p.m. ET


Fax number:  1-800-561-3082


Mailing address:

Colonial Life & Accident Insurance Company

P.O. Box 1365

Columbia, SC 29202-1365




Voluntary benefits help pay for out-of-pocket expenses that major medical and other insurance don't cover. Also called supplemental benefits, voluntary benefits are used to meet a diverse range of needs. Examples include paying for out-of-pocket medical expenses, household bills and travel expenses, as well as replacing missed wages. Many employees like that benefits such as disability, accident and hospital are paid directly to them, so they can use them where they are needed.


The beauty of voluntary benefits is they can be customized for the specific needs of a business and their employees, catering to certain vocations, stages of life, location and lifestyles.


Payment options for voluntary benefits include:


100% employee-paid

Partially funded by both employee and employer


  • Accident
  • Cancer
  • Critical illness
  • Dental
  • Disability
  • Life
  • Hospital indemnity
  • Vision




Adding voluntary benefits to your compensation package supports your business and employees.


Advantages to the business

  • Enrich benefits package without adding to your bottom line.
  • Help control rising health insurance premiums.
  • Attract and retain skilled talent.


Advantages to employees

  • Valuable coverage at affordable rates.
  • Flexible benefit options to fit workers' needs.
  • Fill in gaps in major medical coverage.
  • Confidence the benefits have been vetted.




Myth 1: Affordability

Voluntary benefits can be partially funded or even fully funded by the employee. This means businesses have complete control of how much they spend and what options they choose to add.


Myth 2: Not enough employees to qualify

Depending on the benefits carrier and type of coverage, most businesses with fewer than 10 employees can qualify for many types of voluntary benefits. And some carriers don't have any minimum staffing requirements at all.


Myth 3: Administering a voluntary benefits plan is costly and time-consuming 

Many voluntary benefits can be paid with pre-tax income which can save employers and their workers money. Additionally, some carriers can provide technology, tools and educational services that can simplify benefits administration, so small business owners have more time to focus on running their business.


Myth 4: Employees don't value them

While most employers believe employees value take-home pay over benefits, employees actually value non-medical insurance benefits and voluntary benefits more than employers realize.



Who can get voluntary benefits?

Employees, spouses and eligible dependent children and business owners are eligible. Part-time workers can also get coverage if they meet their employer's eligibility requirements such as minimum hours worked.


Employees, spouses and eligible dependent children and business owners are eligible. Part-time workers can also get coverage if they meet their employer's eligibility requirements such as minimum hours worked.


Most carriers start with three eligible employees. But the minimum can vary depending on the carrier and specific benefit.


Several types of voluntary benefits offer guaranteed coverage — meaning workers can get coverage without answering medical questions. Some voluntary benefits may require health questions or have a pre-existing condition clause.


Administration and costs

If you work with the right carrier, it will be quick and easy. Look for carriers that offer free online benefit admin tools to manage your employees' benefits and pay your invoices electronically.


Employees can typically change their coverage throughout the year when they experience a qualifying life event, such as marriage, divorce, death, as well as the birth or adoption of a child. Otherwise, employees can only make changes during annual enrollment.


The versatility of voluntary benefits is designed to be affordable for a wide range of incomes. The cost of each coverage will vary depending on options and demographics.


Please email us at FLDistrict@coloniallifesales.com. Please include the following in your email: 

  • Subject Line: I am interested in a Premium Only Plan (POP).
  • First and Last Name:
  • Email: 
  • Phone:
  •  Company:
  • Number of Employees:
  • Message: 

A Colonial Life representative will contact you regarding our Premium Only Plans.


Health care and voluntary benefits

Yes. But if your workers have insurance through a third party (for example, spouse's company, ACA exchange, Medicare) or they don't have it at all, they should understand that voluntary benefits aren't a replacement for major medical coverage.


If the voluntary benefits are paid with pre-tax income, the plan will need to be modified. If they are paid with post-tax dollars the plan won't need to be modified.


While many carriers are covering COVID-19 in their existing coverage, you should check each type of insurance to make sure. Disability and hospital indemnity are good candidates for coverage.


Filing a claim, getting paid

Select a carrier with a reputation for quick turnaround and easy electronic filing tools. This includes filing claims online or through a mobile app, access to customer service support and the ability to pay claims by direct deposit.


Claims for voluntary benefits aren't coordinated with health insurance plans or other third-party insurance companies at all. This means any voluntary benefit paid to the employee is based only on the claim filed.


VOLUNTARY BENEFITS 101

 A starter guide for busy employers who want practical information about voluntary benefits without the jargon. 

Download the Guide

Connect With Us

  • Contact Us

Ginakes & Associates, LLC, dba Colonial Life

1020 W International Speedway Blvd, Ste 102, Daytona Beach, Florida 32114, United States

Local: 386-252-9806; Toll-Free: 888-756-6701

Copyright © 2024 Ginakes & Associates, LLC - All Rights Reserved.

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