Police, fire and emergency workers have access to more financial
protection with enhanced coverage from Colonial Life
America’s workers who put their lives on the line to protect others now
have access to more protection themselves with an enhanced gunshot wound
insurance policy from Colonial
Life & Accident Insurance Company.
Police officers have a higher exposure to the risk of nonfatal gunshot
wounds than most employees. In fact, the rate of missed work days
related to violence is nearly 20 times higher for public safety
employees than for private sector workers, according to the Bureau
of Labor Statistics. Among local government employees, police and
sheriff’s patrol officers lead the way in missed work days because of
injury or illness.
Colonial Life’s gunshot wound policy provides a lump-sum benefit for a
covered injury due to a non-fatal gunshot wound. The enhanced coverage
includes an increased benefit amount, up to $5,000. Customers can use
the money to pay medical bills, expenses not covered by health insurance
such as copayments and deductibles, or even household bills.
“Our public sector customers have been asking for this enhancement to
meet a need for their employees who need a higher level of financial
protection,” said Steven Johnson, vice president, Products & Market
Development at Colonial Life. “The coverage is ideal for police, fire,
emergency medical technicians and even private security guards or any
employee who values this benefit.”
The policy covers gunshot wounds on or off the job and pays benefits
regardless of any other insurance the employee may have. The plan is
portable, so employees can keep the coverage with no increase in
premiums, even if they change jobs or retire. Coverage is available to
new or existing Colonial Life customers, including to employees who
already have this coverage and want to transfer to a higher benefit.
It’s offered on a guaranteed issue basis, so any employee can be covered
without answering health questions.
Colonial Life is an industry leader in protecting public sector
employees. Not including educational organizations, the company insures
more than 730,000 public sector employees in nearly 9,400 entities
across the country.
This is a limited policy. Coverage may vary or be unavailable in some
states. Coverage has exclusions and limitations that may affect the
benefits payable.
About Colonial Life
Colonial Life & Accident Insurance Company is a market leader in
providing financial protection benefits through the workplace, including
disability, life, accident, dental, cancer, critical illness and
hospital confinement indemnity insurance. The company’s benefit services
and education, innovative enrollment technology and personal service
support more than 80,000 businesses and organizations, representing more
than 3.5 million of America’s workers and their families. For more
information visit www.coloniallife.com
or connect with the company at www.facebook.com/coloniallifebenefits,
www.twitter.com/coloniallife
and www.linkedin.com/company/colonial-life.
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