The Hartford

Providing your employees with ample income protection is one thing. Helping them overcome limitations to reclaim their lives is another. Our products can do both. What does that mean to you? Shorter durations, a safer, faster return to productivity, and better outcomes for your employees, in many cases.

Short-term Disability (STD): Help protect their paycheck.

When employees are unable to work because of a disabling injury or illness, STD goes to work for them, replacing part of their income.

Long-term Disability (LTD): Continuing protection.

Like STD, our LTD product is carefully designed to emphasize ability, not limitations. It addresses your employees' need for a secure income together with your need for the best possible outcome at work

Statutory Disability: Keeping it simple.

State-mandated disability insurance requirements can change with the next legislative session. To stay compliant, it takes expertise and up-to-date knowledge. Let The Hartford provide it. We'll help you meet the state's requirements, protect your workforce and help relieve your staff of the legal, regulatory and administrative burden.

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Short-term Disability (STD): Help protect their paycheck.

When employees are unable to work because of a disabling injury or illness, STD goes to work for them, replacing part of their income.  Our product makes the whole process easier for everyone because experienced nurses handle the claims, providing compassionate expertise that can reduce durations.   We can integrate STD with Leave Management.We use a 100 percent return-to-work incentive formula for companies with 500+ employees.

Long-term Disability (LTD): Continuing protection.

Like STD, our LTD product is carefully designed to emphasize ability, not limitations. It addresses your employees' need for a secure income together with your need for the best possible outcome at work, through features like:

• A disability definition that lets employees satisfy the Elimination Period with a loss of duties only.
• No self-reported symptom limitations, thanks to effective claims management.
• Ability Assist®, a value-added service, which provides employees with emotional, legal and financial help. Giving them guidance to better focus on recovery.
• A Vocational Rehabilitation Program that offers vocational and job placement services, as well as work-related guidance and resources.

Statutory Disability: Keeping it simple.

State-mandated disability insurance requirements can change with the next legislative session. To stay compliant, it takes expertise and up-to-date knowledge. Let The Hartford provide it. We'll help you meet the state's requirements, protect your workforce and help relieve your staff of the legal, regulatory and administrative burden:

• Extensive experience in the following states: New York, New Jersey, Hawaii, California.
• Opportunities to enrich your statutory disability plan, beyond state mandates, to offer better coverage.
• The claims management expertise to deliver responsive service to your employees when they need it most.
• Can integrate statutory disability with both STD & LTD (see above) for greater claims management effectiveness and efficient service.
• Comprehensive, cost-effective coverage, with plan flexibility and easy administration.
• Online capabilities for speedy retrieval of claims, bills, interactive forms and reports, 24/7.

Value added services help with the challenges that come before and after a claim.

Ability Assist® (professional help after a disabling event).¹  Employees enrolled in our Long-term Disability plan receive professional counseling for financial, legal and emotional issues, 24/7/365. Includes unlimited phone access and five face-to-face sessions per year. Services may also be available to spouse and dependent children.

GuidanceResources.¹   Helps find solutions to simple and complex life concerns through confidential and professional services as part of the employee assistance program (EAP). Services include but are not limited to expert counselors (grief and family matters) as well as financial and legal consultations.

¹Offered through ComPsych®, the largest provider of Employee Assistance Programs, managed behavioral health and work-life crises intervention. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. For more information on ComPsych, visit www.compsych.com. Source: Business Insurance, Largest EAP Provider 2008 Survey, January 2009 edition.
 

After over 200 years of helping businesses achieve what’s ahead, The Hartford has proven our commitment and dedication to doing right by our customers. We stand by our promises. And that’s something that you and your business can count on.

Why Choose The Hartford?

We're just not experienced in our business, we're experienced in helping protect yours.   As a result, we go beyond core coverage to provide specialized options and services unique to your industry, line of business and even size.   When you choose The Hartford, you’ll have a broad range of policies, endorsements and add-ons to tailor a coverage plan that speaks to your needs.   We are committed to providing superior customer service to support your business, every step of the way.

From critical business coverages and efficient claims handling to risk management, The Hartford will be by your side.