The Hartford

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.