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.

For more information, click here.

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.

Your employees have goals, dreams and loved ones. Protecting them against worst case scenarios is not only smart, but a caring and responsible choice. The Hartford can help meet diverse needs with basic, dependent, and supplemental/ voluntary Life programs, as well as accident insurance.

It's what you're not prepared for that can hurt you. The Hartford provides benefits with more foresight, to help your employees in many circumstances.

AD&D: For life's major bumps in the road.

Accidents happen to commuters as well as do-it-yourselfers, weekend joggers, workers and homebodies alike. So it makes sense to offer your employees protection with Accidental Death and Dismemberment (AD&D) coverage.

Accident: Specialty group protection for life's hardest knocks.

The Hartford  offers special accident coverage for a variety of needs, from employees on business trips to students on field trips.
 

For more information, click here.

Life benefits with foresight.

It's what you're not prepared for that can hurt you. The Hartford provides benefits with more foresight, to help your employees in many circumstances. Some highlights:

• An enhanced continuity of coverage clause that prevents employees from being stranded without coverage on our policy transfer date - even if they're not actively at work on that day.
• A generous living benefit option: Terminally Ill employees or dependents can accelerate their benefits, up to $500,000.
• Premium waivers for disabled employees who attempt to return to work.
• A Portability option and conversion is offered with our Life product. If your employees leave your company, or under other qualifying conditions, they can take all or a portion of their coverage with them.

AD&D: For life's major bumps in the road.

Accidents happen to commuters as well as do-it-yourselfers, weekend joggers, workers and homebodies alike. So it makes sense to offer your employees protection with Accidental Death and Dismemberment (AD&D) coverage. What they can receive under your plan:

• Protection against losses from unforeseen covered accidents, available for dependent children and spouses as well as employees.
• Twenty-four-hour accident coverage that can be combined with group life or purchased as a stand-alone product.
• A generous rider or options package beyond industry standards.
• Numerous optional benefits to customize employee coverage.

Accident: Specialty group protection for life's hardest knocks.

• The Hartford offers special accident coverage for a variety of needs, from employees on business trips to students on field trips.
• Business Travel Accident covers employees traveling on business only or business and pleasure.
• We also offer Blanket Accident Insurance for specialty groups - campers, private and public school students, church groups and more.

Learn more about our accident coverage.
 

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

Life Conversations: Giving your employees the final say.

The Hartford offers unique services that help your employees remain secure away from home and make decisions about sensitive end-of-life issues. Like who should inherit their property. And where they'd prefer to have their funeral take place. Giving them power over their lives even when they're most vulnerable. By offering it through The Hartford, you can assure them of reasonable group rates.

Services include:

• Funeral planning and concierge services.¹   A suite of online tools to guide employees through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices with local providers-often resulting in significant financial savings.
• Estate Guidance®(online will preparation).²   A service that helps employees protect their family's future by creating a customized and legally binding online will. Online support is also available from licensed attorneys, if needed.
• Beneficiary Assist®.³ Compassionate expertise to help employees or their loved ones cope with emotional, financial and legal issues that arise after a loss. Includes unlimited phone contact with professionals, as well as five face-to-face sessions.
• Travel Assistance.⁴   Pre-trip info that helps travelers get a leg up on their journey. Plus emergency medical assistance and personal help far from home when unexpected detours arise.
• GuidanceResources.⁵   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.
• Life Conversations – Parent Conversations Option. Employer groups who elect to participate in the Parent Conversation option/program, your employees will be able to use funeral planning and concierge services with their parents and stepparents if they've enrolled in Life Insurance.

¹ Offered through Everest Funeral Package, LLC (Everest). Everest is not affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest ReGroup, Ltd., Everest Reinsurance Company or any of their affiliates. For more information on ComPsych, visit www.compsych.com. Source: Business Insurance, Largest EAP Provider 2008 Survey, January 2009 edition.

^2,3,5 Offered 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.

⁴ Travel Assistance is provided by Europ Assistance USA. Europ Assistance is not affiliated with The Hartford and is not a provider of insurance services. 
 

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.

As Baby Boomers retire in record numbers, the rise in new retiree health claims can be risky, especially for self-funding groups. The Hartford can help. We offer flexible solutions that shift the risk away from companies. While catering to the special needs of retirees with flexible solutions.

For more information, click here.

Integrates with Medicare and helps offload your burden

The Hartford's fully insured group retiree medical plan helps pay the Medicare eligible deductibles, co-payments and out-of-pocket medical expenses not covered by Medicare. Plus, it helps take the burden off of your company while potentially lowering costs. A few of the advantages:

• Multiple group sizes are eligible, from as few as two to as many as thousands. Customized plans are available for groups of 100 or more.
• Retirees, their spouses, widow(er)s and domestic partners age 65+ and entitled to Medicare, are all eligible.
• By segmenting your age 65+ retirees into our plan, you can better control overall costs.
• We handle the time-consuming details, freeing up your HR staff.
• Our customer service reps are specifically trained to work with the senior population.
• You can choose from a variety of prescription drug options for a better fit with your retirees' needs.
• There are no networks to worry about. Retirees have access to any provider or hospital, countrywide-at home or away.
• Plan designs are flexible enough to suit the needs of your retirees as well as your budget.

Retiree Health 101

In today's economy, medical inflation isn't over yet, and it's putting pressure on retiree medical plans. Just when your administrative resources may be shrinking, your retirement population continues to expand. How can you juggle multiple plans, different billing options and claims services that may not be in your budget? Good question.

There are a lot of solutions out there. Of these, an employer-sponsored Group Retiree Insurance Plan (GRIP), offered through The Hartford, can be an excellent choice for a lot of reasons.

Be good to your retirees and your budget.

By electing GRIP, you can accomplish three important goals:

• Take retirees out of the active medical plan, improving the active plan experience.
• Fulfill your obligation to retirees.
• Integrate with Medicare, taking advantage of Medicare's cost-containment measures.

Helping to make it easier.

Why shoulder the administrative burden when you can offload it on The Hartford's approved third-party administrators? Our services assure you of:

• A choice of billing options with the ability to manage all types of vesting schedules.
• Various enrollment options to meet your needs.
• Electronic claims processing and payment.
• A toll-free customer service number for retirees, employers and providers.
• Online capabilities for inquiries about benefits and claims.
• Customer service representatives trained in senior care relations.
• HIPAA compliance.

A choice of Rx coverage plans.

With The Hartford, you have two ways to meet your retirees' prescription drug needs:

• Fully insured plans that meet creditable coverage guidelines from Centers for Medicare and Medicaid Services (CMS).
  • May qualify for the CMS Retiree Drug Subsidy for employer groups.
  • Through our Pharmacy Benefit Manager (PBM) contract with CVSCaremark, we can provide the reporting to request reimbursement from CMS under the subsidy.
  • Provided through both retail and mail-order pharmacies with an open formulary, which includes a preferred drug list and generic drugs.
• Medicare Part D Prescription Drug Plans (PDP) through Employer Group Waiver Plans.
  • The Hartford works with prescription drug plan sponsors with extensive experience in Part D coverage.

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.

An income protection package that helps protect productivity as well as paychecks.  Lifestyles as well as self-esteem.  Offered as voluntary benefits, it can also curb company costs, while still offering employees group rates that would be difficult to obtain on their own.

For more information, click here.

Fair to you. Fair to your employees.

Retaining talented employees requires benefits that address their real goals, dreams, concerns and hopes. At a cost they can afford. And with the degree of flexibility that people need to feel that their plan is working for, not against, them. Here's what we mean:

• A diversity of plans and combinations. Choose from Long-term Disability (LTD); Short-term Disability (STD); LTD and STD combined; Life insurance with Accidental Death and Dismemberment (AD&D); stand-alone AD&D.
• Personalized enrollment supported by a team of enrollment consultants and specialized enrollers.
• Real-time decisions through our online Evidence of Insurability system.
• Flexible rates and participation requirements.
• A commitment to relieving your administrative burden and replacing it with a smooth, easy process

Life Services

Life Conversations: Giving your employees the final say.

The Hartford offers innovative services that help your employees remain secure away from home and make decisions about sensitive end-of-life issues. Like who should inherit their property. And where they'd prefer to have their funeral take place. Giving them power over their lives even when they're most vulnerable. By offering it through The Hartford, you can assure them of reasonable group rates. Services include:

• Funeral planning and concierge services.¹ A suite of online tools to guide employees through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices with local providers-often resulting in significant financial savings.
• Estate Guidance^®(online will preparation).² A service that helps employees protect their family's future by creating a customized and legally binding online will. Online support is also available from licensed attorneys, if needed.
• Beneficiary Assist^®.³ Compassionate expertise to help employees or their loved ones cope with emotional, financial and legal issues that arise after a loss. Includes unlimited phone contact with professionals, as well as five face-to-face sessions.
• Travel Assistance.⁴ Pre-trip info that helps travelers get a leg up on their journey. Plus emergency medical assistance and personal help far from home when unexpected detours arise.
• Parent Conversations Option. Employer groups who elect to participate in the Parent Conversation option/program, your employees will be able to use funeral planning and concierge services with their parents and stepparents if they've enrolled in Life Insurance.

Disability Services

Other extras: Empowering resources they'll appreciate.

When employees feel vulnerable, whether as victims of ID theft or as victims of circumstance, they need easy access to professional resources. Here are three that are winners:

• Ability Assist^®(professional help after a disabling event).⁵ 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.⁶ 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.
• Travel Assistance.⁷ Pre-trip info that helps travelers get a leg up on their journey. Plus emergency medical assistance and personal help far from home when unexpected detours arise.

¹ Offered through Everest Funeral Package, LLC (Everest). Everest is not affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest ReGroup, Ltd., Everest Reinsurance Company or any of their affiliates. For more information on ComPsych, visit www.compsych.com<http://www.compsych.com/>. Source: Business Insurance, Largest EAP Provider 2008 Survey, January 2009 edition.

^2,3,5,6 Offered 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<http://www.compsych.com/>. Source: Business Insurance, Largest EAP Provider 2008 Survey, January 2009 edition.

^4,7 Travel Assistance is provided by Europ Assistance USA. Europ Assistance is not affiliated with The Hartford and is not a provider of insurance services.

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.

Employers need to manage their employees' time off from work. But they also need to stay on top of constantly changing laws and regulations that dictate state and federal leave policies.  It can be an impossible juggling act, taking HR staff away from more productive business activities. That's why more employers rely on us to help with their leave management needs.

For more information, click here.

From maternity leaves to workers' comp – an accident on or off the job.

The Hartford Productivity Advantage offers a single solution that integrates disability, workers' compensation and leave management while delivering the flexibility to expand into other time-off programs. You get a customizable range of services that can be phased in over time to achieve your goals and help protect your bottom line.

With one approach to managing occupational and non-occupational leaves, you're kept informed every step of the way through consolidated reporting. Our team has the experience to manage multiple leaves based on complex and changing leave legislation, and to manage returns to work with sensitivity and accuracy. The Hartford's workers' compensation experience ranks 4th largest in the industry.¹ With The Hartford, you can expect:

• Seamless handling of multiple types of absences, from federal and state family and medical leaves, other state leaves, personal leaves such as sabbaticals and jury duty, workers' compensation and company-sponsored programs.
• One-to-one help for employees by a single absence professional they can reach through one toll-free number.
• Leave law updates to keep you informed of significant changes in leave-related laws and regulations.

For more information on our customizable range of services, contact a Hartford representative today.
 

¹ A.M. Best, 2009.

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

Ability Assist® (professional help after a disabling event)*   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® * 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.

*Offered 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.