Colonial Life & Accident Insurance Company is urging employers to consider using employee-paid, voluntary benefits to cope with the effects of the recession.

Colonial Life, Columbia, S.C., a unit of Unum Group Corp., Chattanooga, Tenn., has posted a discussion of the topic here.

(An earlier version of this article incorrectly identified Colonial Life & Accident Insurance Company as Colonial Life Insurance Company. It also mistakenly referred to the parent company, Unum, as UnumProvident, a name it no longer uses.)