Our Claims Philosophy
Equal Parts Compassion
A Personalized Approach
Whether it's a life insurance claim, a long-term absence due to illness, a short-term maternity leave - or any other reason for a claim - we handle it all with sensitivity, attention to detail, accuracy and know-how.
Why a personalized approach?
- The clock starts when an employee calls The Hartford; 89 percent of STD claims are promptly paid within 10 business days from the first notice of the claim.1
- Our ability approach and return-to-work coordinators have helped employees return to productivity nearly twelve days sooner than initially estimated by their physicians.2
Claims to fame.
Taking the time necessary to talk to employees, answer their questions and ease their minds really sets us apart. So do our speedy phone response time and prompt payments. Here's what you can expect:
Short-term Disability (STD) Claims
- A nurse (averaging 20 years of experience) handles the claim at intake and when necessary works directly with employees' physicians to help ensure the best outcome.
- Clinical experts, including medical and behavioral case managers, follow a claim through its entire life cycle, intervening when necessary.
- Dedicated STD return-to-work professionals help to ensure that the transition back to work is as safe and as timely as possible.
Long-term Disability (LTD) Claims
- Our process allows for seamless transition from STD to LTD, with minimal paperwork required of employers and employees.
- More than 89.7 percent of our LTD claimants disabled for two years or more are approved for Social Security benefits, translating to an estimated four percent above the industry average.3
Life Insurance Claims
- With claims centers in the U.S., each with extended call hours, we can help provide an optimal service experience for beneficiaries. And accurate, prompt payment.
1,2,3The Hartford Group Benefit’s Claims Statistics Flyer, 03/2012, 2753 NS.
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