The Hartford

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.

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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.