DisabilityFLEXSM
DisabilityFLEXSM: Flexible
Disability Insurance Coverage
Help protect their income and your
bottom line.
In a tight economy, how do you help everyone in your workforce face the future confidently? With DisabilityFLEX. It's a flexible, voluntary coverage that helps empower your employees to tailor disability insurance to their unique needs.
Income protection their way.
DisabilityFLEX is all about choice. Employers can select two options from each of the following:
- When coverage starts. Commencement options include 8, 15, 30 days.
- How long coverage lasts. Duration options include 13, 26, 52, 104 weeks.
Employees can then choose from the options their employer provides. In addition, they can choose:
- How much they receive. They select a weekly flat dollar amount ($200-$1000), up to 50% of their earnings.
Simple and straightforward.
Coverage from DisabilityFLEX is guaranteed issue1 – which removes the need for medical underwriting. In addition, there are no offsets for the other income benefits, which means the coverage amount selected is the exact amount received.
The Hartford has educational tools, benefits professionals and resources to help employees customize their coverage.
1This policy is guaranteed issue. This means that although you will not be asked to take a medical exam or answer medical questions at the time of enrollment, insurance benefits payable are subject to your policy’s Pre-Existing Conditions Limitation.
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