Disability Insurance Coverage
Help protect their income and your
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, 1041 weeks.
Employees can then choose from the options their employer provides. In addition, they can choose how much they receive – a weekly flat dollar amount ($200-$1000)2, up to 50% of their earnings.
Simple and Straightforward
Coverage from DisabilityFLEX is guaranteed issue3 – 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.
An Interactive eGuide
Now you can take a quick tour of our DisabilityFLEX coverage right from your computer screen. Simply click here for our new interactive eGuide. Educational modules demonstrate:
- How the product works.
- Why it’s valuable.
- How coverage can be customized.
- What it costs and how to get it.
The eGuide also helps educate through:
- Facts about the importance of disability coverage.
- Video testimonials and other persuasive footage.
- Multiple plan design suggestions geared for specific objectives, from coverage to budgetary objectives.
- Interactive content on the product features.
1For small business customers (10-49 employees), the 104 week duration option is not available.
2For small business customers (10-49 employees), the weekly flat dollar amount is $100 - $1000.
3This 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.
DisabilityFLEX is not offered in states with statutory disability plans, including CA, NY, NJ, RI and HI.
Underwritten by Hartford Life and Accident Insurance Company.
Request More Information
It's time you got in touch. Have your local Hartford sales representative contact you based on your needs.
Learn more about our customizable coverage, DisabilityFLEX, with this easy-to-understand guide.
Empower Your Employees
Help employees learn about their benefits the simple, interactive way.
Find forms, check claims status, access reports, pay bills and more.
Access account info, commission data, forms and more.