21980 East Country Vista Drive STE 200, Liberty Lake, Washington 99019, United States
Welcome to The Zilko District
Helping employees protect their families, finances and futures.
Welcome
The Colonial Life Zilko District specializes in employee benefit solutions for small and medium sized businesses.
We provide innovative solutions allowing employers to offer the best benefits possible at a budget that works for their business.
Call us today, we can help!
About Us
Personalized benefits counseling for ALL employees.
Personalized benefits counseling for ALL employees.
Personalized benefits counseling for ALL employees.
Small businesses typically have little to no human resources staff, which means the business owner often handles HR duties in addition to all the other responsibilities. In many cases, you don’t have the time and resources to fully communicate your benefits program. Yet employees who understand the benefits they have and the value of wh
Small businesses typically have little to no human resources staff, which means the business owner often handles HR duties in addition to all the other responsibilities. In many cases, you don’t have the time and resources to fully communicate your benefits program. Yet employees who understand the benefits they have and the value of what their employer provides appreciate their company more. A Colonial Life poll conducted by Harris Interactive showed that 82 percent of workers who rated their employee benefits education highly also rated their employer an excellent or very good place to work. Conversely, only 27 percent of workers who rated their employee benefits education as fair or poor said their employer was an excellent or very good place to work.1
Having a voluntary benefits partner who can communicate your benefits program — both core and voluntary benefits — and help employees make educated coverage decisions can help take the load off of you. Find a voluntary benefits partner who’s experienced in conducting one-on-one benefits communication sessions and who’s willing to provide this valuable service at no cost. Many larger companies have staff or outside partners to help them with benefits communications and enrollments. But by partnering with a quality voluntary benefits provider, you can take advantage of these services in your own company at no additional expense. It’s a huge competitive advantage.
Voluntary benefits can help you relieve some of the pressure from increasing health insurance costs yet still remain competitive in the marketplace. The benefit to you is an enhanced benefits program, savings in program costs, quality benefits communications and an effective enrollment process. Your employees will benefit from having more coverage choices to meet their needs, plus they’ll understand and appreciate the value of what you provide for them.
Voluntary benefits can help.
Personalized benefits counseling for ALL employees.
Personalized benefits counseling for ALL employees.
Voluntary benefits allow businesses to offer an enhanced benefits package and give employees the flexibility they want. In addition, voluntary benefits offer many advantages to employers, including a more attractive benefits package that can help you recruit and retain qualified, professional employees. When combined with the convenienc
Voluntary benefits allow businesses to offer an enhanced benefits package and give employees the flexibility they want. In addition, voluntary benefits offer many advantages to employers, including a more attractive benefits package that can help you recruit and retain qualified, professional employees. When combined with the convenience of payroll-deducted premiums, voluntary benefits make an exciting addition to an employee’s existing benefits package.
Voluntary benefits can also help employees who may have coverage gaps. For example, if your company-provided group health insurance has a high deductible, you may want to offer employees a voluntary hospital confinement indemnity plan that would pay benefits for an inpatient hospital stay. The employee could use the benefits to cover the deductible and other out-of-pocket medical expenses. Or if you provide a flat amount of group life insurance, you could offer voluntary life insurance for employees who may need more coverage. Most voluntary benefits plans pay benefits directly to the insured. Then, the insured can use the benefits to pay for expenses not covered by group benefits or for other non medical expenses, such as the mortgage, electricity bills, home health care, rehabilitation, travel to treatment centers, groceries and more.
Award winning customer service.
Personalized benefits counseling for ALL employees.
Award winning customer service.
Today’s benefits environment is complex and ever-changing, which makes it tough to keep up with the latest trends and stay on top of the administrative details. And with health insurance costs continuing to rise, you need easy answers.
Voluntary benefits can give you those answers by helping enhance your benefits program and better mana
Today’s benefits environment is complex and ever-changing, which makes it tough to keep up with the latest trends and stay on top of the administrative details. And with health insurance costs continuing to rise, you need easy answers.
Voluntary benefits can give you those answers by helping enhance your benefits program and better manage program costs. If you choose the right voluntary benefits provider, voluntary benefits can be easy to implement and administer. You don’t need administrative hassles. That’s why your voluntary benefits provider should make doing business with it as easy as possible — providing service your way and saving you valuable time and energy.
Here are six key service points to help you identify whether a voluntary benefits provider has the capability to provide hassle-free enrollments from start to finish and deliver on what it promises.
1. Billing services that meet your business needs.
2. Help with account administration when you need it.
3. Fast, simplified underwriting and processing.
4. Quick, easy claims processing.
5. Outstanding claims service.
6. Superior policyholder service.
All of these service points add up to one thing for you: convenient, simple and courteous service — not just for today but for the long term. Choose a voluntary benefits provider that will develop a lasting, trusting partnership with you by delivering consistent superior, hassle-free service for you and your employees.