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Group Disability Insurance

Affordable Income
Protection For Employees

We See the Ability in Disability

Helping to provide employees with income protection is one thing. Helping them overcome limitations to reclaim their lives is another. Our Group Disability insurance products can do both. What does that mean to employers? Shorter durations, a safer, faster return to productivity, and better outcomes for employees, in many cases.

Short-term Disability

When employees are unable to work because of a disabling injury or illness, Short-term Disability (STD) insurance goes to work for them, replacing part of their income. Our group disability product makes the whole process easier for everyone because:

  • Nurses handle the claims, providing compassionate experience that can reduce durations.
  • We can integrate Short-term Disability with Leave Management.
  • We use a 100 percent return-to-work incentive formula for companies with 500+ employees.

Long-term Disability: Continuing protection

Like Short-term Disability, our Long-term Disability (LTD) product is carefully designed to emphasize ability, not limitations. It helps to address your employees' need for a secure income together with your need for the best possible outcome at work, through features like:

  • A disability definition that helps employees avoid a loss in earnings. There is only a loss of duties to satisfy the elimination period.
  • No self-reported symptom limitations, thanks to effective claims management.
  • Ability Assist®, a value-added service, which provides employees with emotional, legal and financial help--giving them guidance to better focus on recovery.
  • A Vocational Rehabilitation Program that offers vocational and job placement services, as well as work-related guidance and resources.

Statutory Disability: Keeping it simple

State-mandated disability insurance requirements can change with the next legislative session. To stay compliant, it takes experience and up-to-date knowledge. Let The Hartford's group disability team provide it. We'll help you meet the state's requirements, protect your workforce and help relieve your staff of the legal, regulatory and administrative burden.

Care. Compassion. Service. It’s What We Do.
Disability claims can be emotional and stressful events. Our value-added employee services help make difficult times a little bit easier. Learn more about:

  • Ability Assist® Counseling Services1 (Long-term Disability)
  • Travel Assistance and ID Theft Protection Services2 (Long-term Disability)

See all value-added services

 

 

 

1Ability Assist® Counseling Services are provided through The Hartford by ComPsych®, the largest provider of employee assistance programs, managed behavioral health, work/life and crisis intervention services. ComPsych is not affiliated with The Hartford and is not a provider of insurance services.
2Travel Assistance and ID Theft Protection and Assistance is provided by Europ Assistance USA. Europ Assitance USA is not affiliated with The Hartford and is not a provider of insurance services.

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