You have been directed to this page to provide information on the Colonial Voluntary Benefits programs available to you via Payroll Deduction.
Welcome to Colonial Voluntary Benefits, administered through FJM & Associates of Buffalo, Inc.
As Insurance and Voluntary Benefits Representatives, we understand the role that effective Communication and Education plays in understanding the need for these programs. Since no two people and/or their families have exactly the same Personal or Financial needs, the ability to tailor these programs to your specific circumstances is extremely important.
The events of the past few years have reinforced the point that Major Medical Insurance was designed to help make sure that in the event of an unexpected Injury or Illness, your Doctor, Hospital or Medical Facility would be compensated for providing the vital treatment necessary for you or your loved ones.
However, since even the best plans may pay only a portion of the actual costs of this treatment, leaving you to deal with the Financial Burden caused by CoPays, Deductibles, Direct and Indirect Out-of-Pocket Costs, Lost Wages or Final Expenses.
Voluntary Benefits (a/k/a - Supplemental Insurance), on the other hand, are unique programs designed to provide Pre-Arranged, Cash-Dollar Payments directly to you (based on specific events or treatments), that may be used anyway you see fit.
You may select any of the images below to learn more about that particular program. Then if you are interested in enrolling in any of them, complete and submit the Contact Form below, indicating which programs you are most interested in.
Product Availability and Underwriting Offers may vary by Employer, so please be sure to include your 'Company's Name', your 'Department' or 'Division' (if applicable), along with the 'Best Time to Call' in the dialogue box.
One of our FJM & Associates Benefit Specialists will reach out to you to schedule either an in-person or virtual appointment.
We look forward to helping you with this important decision.
(Select any one of the graphics below to see a brief outline of the product.)
As Insurance and Voluntary Benefits Representatives, we understand the role that effective Communication and Education plays in understanding the need for these programs. Since no two people and/or their families have exactly the same Personal or Financial needs, the ability to tailor these programs to your specific circumstances is extremely important.
The events of the past few years have reinforced the point that Major Medical Insurance was designed to help make sure that in the event of an unexpected Injury or Illness, your Doctor, Hospital or Medical Facility would be compensated for providing the vital treatment necessary for you or your loved ones.
However, since even the best plans may pay only a portion of the actual costs of this treatment, leaving you to deal with the Financial Burden caused by CoPays, Deductibles, Direct and Indirect Out-of-Pocket Costs, Lost Wages or Final Expenses.
Voluntary Benefits (a/k/a - Supplemental Insurance), on the other hand, are unique programs designed to provide Pre-Arranged, Cash-Dollar Payments directly to you (based on specific events or treatments), that may be used anyway you see fit.
You may select any of the images below to learn more about that particular program. Then if you are interested in enrolling in any of them, complete and submit the Contact Form below, indicating which programs you are most interested in.
Product Availability and Underwriting Offers may vary by Employer, so please be sure to include your 'Company's Name', your 'Department' or 'Division' (if applicable), along with the 'Best Time to Call' in the dialogue box.
One of our FJM & Associates Benefit Specialists will reach out to you to schedule either an in-person or virtual appointment.
We look forward to helping you with this important decision.
(Select any one of the graphics below to see a brief outline of the product.)
