Attention Business Owners

Are you functionally uninsured? Half a million households file for bankruptcy each year because they are functionally uninsured - they have medical coverage, but cannot afford the high out-of-pocket costs incurred from a medical event.
As an employer, you are in a unique position to help prevent this for your employees... without incurring any costs to the business.  We offer a number of plans that can keep your employees out of financial distress and focused on the job.
It's just that simple. So, what's your plan to help your employees? Don't have one? Call us. Did I mention there's no cost?

What services can you get for your business?

How is there no cost to your business? These plans are employee-paid. As an employer, you can choose to contribute if you wish. Most employers find this helps with recruitment and retention.

Some of our plans:

In addition to the plans that we can customize for your employees, we offer a number of services to our business owner clients. We know that as a business owner, especially a small business owner, you have to wear many hats. Most smaller and even mid-size businesses can't hire a certified Human Resources professional, so you have to manage your labor issues by the seat of your pants. We can help! Our clients get access to a service called "HR AnswersNow" (like wikipedia for human resources and labor issues). 

As an added bonus, we can offer value-added services to qualified clients in the first year of offering our supplemental plans, as well as an assortment of third-party ancillary plans and alternative plans to help your employees remain financially protected in the face of rising medical expenses.

Do your employees fully understand and appreciate the benefits you provide?

Did you know that the number one driver of employees' satisfaction with your benefits is their understanding of them? Fortunately, we specialize in educating your employees about your benefits and communicating that information in ways they can easily digest. They can also customize their benefits according to their or their family's needs.

Ninety-seven percent of the people that go through our enrollment process find the experience valuable and look forward to it year after year. Our process helps your HR team from becoming inundated with benefits questions during enrollment and throughout the year. It's all part of our service commitment to our clients.

Are you looking for ways to keep your healthcare costs from skyrocketing?

Of course, you are, just like every other employer. It seems like increases are impossible to avoid. However, by working with us, we can help you enhance your benefits package without incurring additional cost. When all options are on the table, we craft a benefits package that saves money for you and your employees without sacrificing quality.

If you're not yet working with a broker, or simply don't have the budget to offer major medical, we can still help! We can work within any budget you have, even if it's $0.00. Offering a robust benefits package is the most cost-effective way of showing your employees what they mean to your business.

Are you able to attract and retain top talent?

Did you know that most job-seekers won't consider working for an employer with no or inferior benefits? As an employer competing for top talent, you need every advantage you can take. A solid benefits package can position you favorably among your competitors. While pay rate is still the #1 factor for job-seekers, the #2 factor is benefits. 

Similarly, existing employees' #1 consideration for staying with their employer is benefits. A complete and robust benefits package keeps top talent in place more so than any other factor. That means that you are the one making turnover decisions, rather than being forced to replace your best people. 

Don't be caught flat-footed when a job candidate asks about your benefits package. Be proud of what you can offer!

Would you like to offer more or better benefits, but it's not in your budget?

Myth: Adding worksite benefits is expensive
Fact: Employers can offer quite robust benefits packages at little to no cost.  

Myth: It's complicated and difficult to implement.
Fact: We do all the heavy lifting. We make offering an attractive benefits package a turn-key solution.
For most clients, we even provide a benefits platform for your benefit administration, further easing your administrative burden. (Still at no cost!)

While medical, dental, and vision benefits are the core of a solid benefits package, other benefits like Critical Illness, Hospital Confinement, or Disability are benefits that many desire; employers and employees alike. These benefits help keep employees from tapping into their retirement savings to pay for unexpected medical bills. These benefits, and more, can be added to your benefits portfolio at no cost to you, and are easy to implement. We make benefits simple for you.

What "service" means to us...

The best way to describe how we think about service is in this quote by the author of "To Sell Is Human" - “Sales and non-sales selling are ultimately about service. But ‘service’ isn’t just smiling at customers when they enter your boutique or delivering a pizza in thirty minutes or less, though both are important in the commercial realm. Instead, it’s a broader, deeper, and more transcendent definition of service—improving others’ lives and, in turn, improving the world.” ~ Daniel H. Pink

Sounds grandiose, but we don't rest if our clients lives aren't improved. We want to reduce your expenses, reduce your work-load, help your employees get the optimum value from our benefits, and answer all questions about the best path to protection. It really is that simple.

Do you already offer Aflac (or any other supplemental benefit carrier)?

First of all, congratulations on seeing the value in offering supplemental benefits. They truly are a critical piece of a robust benefits package. 

Secondly, if you are a raving fan of your Aflac (or other carrier) plans and your rep/agent, great! Don't change a thing. If you're not a "raving fan", let's talk.

If you're interested in looking into whether offering our plans can save your employees on their premiums, or are curious about the many other ways we can help you save money on health care, contact us. Colonial Life plans and our competitors' plans are similar in many ways, but there are important differences. If you'd like to see details, schedule some time with me to walk through those differences. Colonial Life invests in bringing more value to our business partners than other carriers.

Our commitment to our clients is to find ways to help them and their employees get the most for their hard-earned dollar each and every year.

What's the best way to conduct your benefits enrollment?

Whatever method works best for YOUR company. Flexibility is our primary advantage.

While we can offer a self-enroll option that gives the employees some independence in the process, our clients have found that the employees appreciate the individualized attention they receive each year from our Benefits Counselors, along with the ability to discuss confidential health issues that they are not comfortable discussing with their employer.

Consider what resources your employees have to learn about their benefit options and how to find the best solution to their individual needs.