VOLUNTARY BENEFITS
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WELCOME!
You have been directed to this page to provide additional information on the
Colonial Voluntary Benefits programs available to you as an employee of
AfterCare Nursing Services.
You have been directed to this page to provide additional information on the
Colonial Voluntary Benefits programs available to you as an employee of
AfterCare Nursing Services.
Colonial Voluntary Benefits, a leader in the Supplemental Insurance Industry, is available to you via the convenience of Payroll Deduction and administered
through your Benefits Broker, FJM & Associates of Buffalo Inc.
Colonial Voluntary Benefits, a leader in the Supplemental Insurance Industry, is available to you via the convenience of Payroll Deduction and administered
through your Benefits Broker, FJM & Associates of Buffalo Inc.
As Insurance and Voluntary Benefits Specialists, we here at FJM & Associates believe that effective Communication and Education is an important part of a successful Employee Benefits Program roll-out.
Since no two people and/or their families have the same Personal or Financial needs, having the ability to customize these programs to your specific circumstances , rather than using a 'one-size-fits-all' concept is extremely important.
But with so many different choices and options, how do you know which programs are best for you?
In an effort to make this process a little easier, please take a moment to review the two following scenarios and decide which best describes your situation and then refer to the listed programs for more information.
Since no two people and/or their families have the same Personal or Financial needs, having the ability to customize these programs to your specific circumstances , rather than using a 'one-size-fits-all' concept is extremely important.
But with so many different choices and options, how do you know which programs are best for you?
In an effort to make this process a little easier, please take a moment to review the two following scenarios and decide which best describes your situation and then refer to the listed programs for more information.
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"I'm concerned about 'out-of-pocket' costs
associated with an unexpected injury, illness or hospital stay." RECOMMENDED PROGRAMS FOR YOU TO REVIEW:
1. Accident Protection (24/7 Coverage) 2. Critical Illness (Specified Diseases, + Annual Wellness Benefit) 3. Medical Bridge (Hospital Indemnity) 
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"I'm concerned about the effect a temporary or permanent loss of income would
have on me and/or my family's finances." RECOMMENDED PROGRAMS FOR YOU TO REVIEW:
1. Disability Insurance (Short-Term) 2. Whole Life Insurance (Permanent) 3. Term Life Insuranc (Temporary) 
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We would also encourage you to take a few minutes to review all of the programs available by selecting an image below and drilling down to access plan highlights, digital brochures and other relevant information.
Then, if you are interested in learning more about or enrolling in any of these programs, please complete and submit the Contact Form below and one of our Benefit Specialists at FJM & Associates will contact you.
We are looking forward to assisting you in designing an Employee Benefits Program that works best for you.
(Select any one of the graphics below to see a brief outline of the product and additional marketing materials.)
Then, if you are interested in learning more about or enrolling in any of these programs, please complete and submit the Contact Form below and one of our Benefit Specialists at FJM & Associates will contact you.
We are looking forward to assisting you in designing an Employee Benefits Program that works best for you.
(Select any one of the graphics below to see a brief outline of the product and additional marketing materials.)
