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Colonial Life Cancer Insurance

Voluntary Benefits from Colonial Life

Why Cancer or Critical Illness Insurance?

You don't plan to be diagnosed with cancer or a critical illness. What would you do if this happened? Both Colonial Life's Cancer and Critical Illness Insurance plans are designed to supplement your major medical coverage to help you with the high cost of cancer and critical illness treatment.

With Cancer or Critical Illness Insurance from Colonial Life, you can take the next step after diagnosis with comfort and reassurance. Benefits from a Colonial Life cancer or critical illness plan will help you pay the following types of out-of-pocket expenses:

  • Home health care or caregivers you may require.
  • Home or automobile modifications.
  • Mortgage, utility bills and other everyday living expenses.
  • Travel costs to and from treatment centers.

Cancer Insurance

Cancer rates in the United States continue to increase. However, more and more cancer patients are surviving due to improved treatment options. Many of these options are expensive and can be financially draining on a family, especially when you are already dealing with the emotional and physical toll of cancer.

  • In the U.S., men have a 1 in 2 lifetime risk of developing cancer, and for women the risk is 1 in 3.
  • About 1.4 million new cancer cases are expected to be diagnosed in 2007.
  • Cancer costs Americans more than $206 billion annually.

Source: Cancer Facts & Figures, American Cancer Society, 2007.

Colonial Life's Cancer Insurance provides benefits for you to use where they are needed most.

  • This plan pays a cancer screening benefit for certain screening tests.
  • Upon diagnosis of cancer, this plan provides benefits for procedures and treatments you may require to care for your cancer.

This cancer plan pays specific benefits for cancer diagnosis and treatment.

Wellness Benefit: Payable for one of the specified cancer screening tests performed.

Bone Marrow Donor Benefit: Payable if you donate your bone marrow to another person who has been identified as a match to your bone marrow type.

Inpatient Benefits: Payable for hospital-related services such as hospital confinement, ambulance, air ambulance and full-time nursing services.

Treatment Benefits: Payable for cancer treatments such as radiation and chemotherapy, anti-nausea medication and medical imaging.

Surgical Procedures Benefits: Payable for surgery performed to treat cancer including reconstructive surgery and anesthesia.

Transportation and Lodging Benefits: Payable if you must travel to receive cancer treatment.

Extended Care Benefits: Payable for extended care services such as home health care, hospice and skilled nursing care.

Benefits from Colonial Life's cancer insurance plan are paid directly to you unless you specify otherwise. Coverage is available for you, your spouse and your dependent children. Several optional riders are available to supplement your cancer plan.

This coverage is portable. This means that you can take your cancer plan with you if you change jobs or retire. This insurance is guaranteed renewable as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force where the policy was issued.

Waiver of premium is included with this plan. If you are disabled due to cancer for 90 continuous days, you will not have to make your Colonial Life premium payments while you are disabled. This results in one less payment for you to worry about, so that you can focus on your treatment.

Optional riders are available at an additional cost.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.


For Your Information: Latest Findings On Cancer


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