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Colonial Life representative offers voluntary employee benefits option to Sherman County
Summary
Steve Melnick of Colonial Life presented voluntary employee benefit options — including a free $10,000 AD&D promotional benefit for employees who meet with the representative — and discussed group rates and enrollment logistics with commissioners and staff.
Steve Melnick, a representative of Colonial Life, told Sherman County commissioners on Feb. 10 that his firm can offer voluntary employee benefits to county staff and outlined enrollment logistics and promotional offers.
Melnick, who identified himself by name and described his experience in the benefits industry, said Colonial Life provides voluntary insurance products to public-sector employers and offered a promotional, one-time $10,000 accidental‑death and dismemberment (AD&D) benefit to employees who meet the representative during enrollment. He described product lines such as accident insurance, cancer coverage, critical illness, disability, hospital indemnity and individual and group life insurance, and said Colonial Life handles billing and customer service support.
Melnick also discussed group-pricing mechanics: he said group accident plans can reduce premiums when there is sufficient participation and mentioned an illustrative monthly group-accident rate of about $21.02 for covered participants under the example he provided. He advised commissioners the county could add a voluntary vendor between enrollment days without affecting the county’s cafeteria plan, and he referenced Internal Revenue Code rules governing cafeteria plans (Internal Revenue Code Section 125) as the applicable federal provision for employer cafeteria plans.
No contract or enrollment decision was taken during the meeting; Melnick left written materials for county staff to review and said he would follow up about enrollment timing. Commissioners asked procedural questions about enrollment windows and indicated staff would coordinate timing for any vendor inclusion.
The transcript records promotional claims about service speed and payout timelines (Melnick said claim payments could be as fast as one to five days after submission), which the county would need to verify with contractual documents if it decided to engage the vendor.
