Voluntary Disability Insurance
Affordable Protection
For Your Clients' Employees
Build Your Book With Voluntary Disability Insurance
Helping to provide employees with income protection is one thing. Helping them overcome limitations to reclaim their lives is another. Our products can do both.
What does that mean to your clients? Shorter durations, a safer, faster return to productivity, and better outcomes for their employees, in many cases. And since we offer Voluntary disability coverage, we can help design a plan that works for your clients, too, by helping to manage overall benefit costs.
The Hartford offers standard Voluntary Disability coverage on a stand-alone or combined basis as:
- 100 percent Voluntary/employee-paid, or
- As supplemental/buy-up coverage where employees can purchase additional Disability protection.
The DisabilityFLEX advantage
Gain a competitive edge by offering voluntary disability coverage that works for everyone. DisabilityFLEXSM helps employees tailor their disability insurance to suit their needs and income. And it's 100 percent voluntary, a cost advantage for your clients.
Voluntary Short-term Disability(STD): Help protect their paychecks.
When employees are unable to work because of a disabling injury or illness, Voluntary Short-term Disability goes to work for them, replacing part of their income. Our product helps make the whole process easier for everyone because:
- Experienced nurses handle the claims, providing compassionate expertise that can reduce durations.
- We use a 100 percent return-to-work incentive formula for companies with 500+ employees.
Voluntary Long-term Disability (LTD): Continuing protection.
Like Short-term Disability, our Voluntary Long-term Disability product is carefully designed to emphasize ability, not limitations. It helps to address employees' need for a secure income together with your clients’ need for the best possible outcome at work, through features like:
- A disability definition that lets employees satisfy the elimination period with a loss of duties only.
- No self-reported symptom limitations, thanks to effective claims management.
- Ability Assist®,1 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.
1Offered 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. Source: Business Insurance
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