FAQs

Will my disability income payment be reduced if I have other insurance?

You’re paid regardless of any other insurance you may have with other insurance companies. Benefits are paid directly to you (unless you specify otherwise).

Totally disabled means you are:

Totally disabled means you are:

• Unable to perform the material and substantial duties of your job;

• Not working at any job; and

• Under the regular and appropriate care of a doctor.

What if I want to return to work part-time after I am totally disabled?

You may be able to return to work part-time and still receive benefits. We call this “Partial Disability.” This means you may be eligible for coverage if:

• You are unable to perform the material and substantial duties of your job for more than 20 hours per week,

• You are able to work at your job or your place of employment for 20 hours or less per week,

• Your employer will allow you to return to your job or your place of employment for 20 hours or less per week; and

• You are under the regular and appropriate care of a doctor.

• The total disability benefit must have been paid for at least one full month immediately prior to your being partially disabled.

When do disability benefits end?

The Total Disability Benefit will end on the policy anniversary date on or after your 70th birthday. The Hospital Confinement benefit increases when the Total Disability Benefit ends.

What is a pre-existing condition?

A pre-existing condition means having sickness or physical condition where you were treated by a licensed physician, had medical testing, received medical advice, or had taken medication within 12 months before the effective date of your policy.

If you become disabled because of a pre-existing condition, Colonial Life will not pay for any disability period if it begins during the first 12 months the policy is in force.

What if I change employers?

If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you continue to pay your premiums when they are due.

Can my premium change?

You may choose the amount of coverage to meet your needs (subject to your income). You can elect more or less coverage which will change your premium. Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued.

What is a covered accident or a covered sickness?

A covered accident is an accident. A covered sickness means an illness, infection, disease or any other abnormal physical condition, not caused by an injury.

A covered accident or covered sickness:

• Occurs after the effective date of the policy;

• Occurs while the policy is in force;

• Is of a type listed on the Policy Schedule; and

• Is not excluded by name or specific description in the policy.

EXCLUSIONS

We will not pay benefits for injuries received in accidents or sicknesses which are caused by or are the result of:

Intoxicants, narcotics, and hallucinogens; flying; giving birth within the first nine months after the effective date of the policy; hazardous avocations; illegal activities; having a pre-existing condition as a describer and limited by the policy; psychiatric or psychological condition; racing; practicing for or participating in any semi-professional or professional sport; committing or trying to commit suicide or injuring yourself intentionally; being exposed to war or any act of war or serving in the armed forces of any country or authority.

For cost and complete details, see your Colonial Life benefits counselor. Applicable to policy form ED DIS 1.0-KY. Coverage may vary by state and may not be available in all states. This is not an insurance contract and only the actual policy provisions will control.