The Hartford

Compensation

At The Hartford, we believe that high-performing employees should be rewarded. That's why our monetary compensation includes not only your salary, but also incentive-based pay that rewards you for your contributions to the company's performance. It's a compensation philosophy that helps us attract top-performing employees in all areas of the organization.

Health Benefits

Our health benefits are intended to provide the important coverage you need, when you need it. They are also designed to help you maintain, improve and manage your health.

Medical
We offer two medical plans, including a preferred provider organization plan with two different deductible options and a high deductible health plan. The Hartford provides tools and education to help our employees become educated health care consumers.

Dental
Our dental program offers two deductible options. Both options cover preventative services such as cleaning and checkups, and minor restorative services such as fillings. In addition, both cover major restorative services and orthodontia, which are subject to certain limits. The options differ in the annual deductible amounts, the plan payment amounts for basic services, and the premium amounts you pay for coverage.

Lifestyle Management Program
This innovative and confidential program - which is available at no cost for employees who enroll in our medical plan - helps you understand your current health risk profile and reduce your medical plan premiums. Online programs are available to help you maintain your good health and/or decrease your risk of developing a serious chronic condition.

Disease Management Program
Confidential health coaching from a registered nurse is available at no additional cost to employees to help them manage chronic conditions such as asthma, diabetes, cardiovascular disease and congestive heart failure.

Employee Assistance (EAP) & Work-Life Programs
This program offers tools and services to help you manage life's daily challenges. You can receive confidential advice from experts, such as financial consultants, family mediators and dependent care professionals, and even speak by phone with an attorney about personal legal concerns.

Wealth Benefits

No matter who you are or where you are in your career, it's important to take steps to financially prepare for retirement. The Hartford offers a wide array of programs to help you reach your financial goals now and in the future.

Investment and Saving Plan (ISP)
Our 401(k) plan provides employees with the opportunity to save on a tax-deferred basis to meet their retirement needs. The ISP offers a range of options in which to invest.
 

Retirement Plan - Cash Balance
Our U.S. employees are eligible to participate in a cash balance pension plan. Benefit credits are made based on your pay each pay period, and your age; and an interest credit, equal to a percentage of your account balance, is also applied. The program is funded by The Hartford, and you are vested in your cash balance account after you have completed three years of service.

Employee Stock Purchase Plan (ESPP)
Once you complete six months of service, our ESPP makes it possible for you to buy shares of The Hartford common stock at a discounted price through payroll deduction.

Hartford Mutual Funds
The Hartford manages $50 billion of assets and offers 54 funds, from conservative fixed-income (bond) investments to domestic and international equity choices. Our employees enjoy the benefit of reduced transaction and management fees when investing in these funds.

U.S. Savings Bond Program
Whether you're saving for a new home, car, education, retirement or a rainy day, U.S. Savings Bonds can help you reach your goals with safety, market-based yields and tax benefits. You set the amount you want to invest and the money is deducted from your pay.

Smart529 College Savings Program
A 529 program is an educational savings plan designed to help you set aside money for future college costs. Our Smart529 Plan offers you the convenience of having contributions deducted automatically from your paycheck.

Wealth Benefits

Protecting your financial security is about making sure you are protecting your current lifestyle. Having the right amount of life insurance and disability coverage protects your income should you become unable to work.

Group Life Insurance
Our group life insurance program provides several options for protecting your family. The Hartford provides $25,000 of basic life insurance at no cost to employees. Employees have the option to purchase additional life insurance coverage for themselves and for their spouses, domestic partners, and children.

Short-Term and Long-Term Disability Coverage
We provide other benefits to help you protect your income in the event that you are unable to work due to a disability. Eligible employees are provided with short-term disability insurance and a basic level of long-term disability coverage, and have the option to purchase additional coverage. This coverage is one of the most important ways to protect your family and your financial assets.

Flexible Spending Accounts (FSA)
We offer two types of FSAs. A health care FSA allows you to set aside a portion of your earnings, on a pre-tax basis, to pay for qualified medical expenses. A dependent day care FSA allows you to do the same for qualified dependent day care expenses.

Health Savings Accounts
A Health Savings Account is a tax-advantaged account used in conjunction with a high deductible health plan, which you can use to pay for current and future qualified medical expenses for yourself, your spouse and your dependents. This unique type of account allows you to make pre-tax contributions, take distributions (for qualified medical expenses) and potentially grow your account through investment earnings on a tax-free basis.

Paid Time Off

Time away from work helps you recharge and stay motivated. In addition to paid holidays, our Paid Time Off Bank program allows you to manage and maximize your time away from work.

Paid Time Off Bank
You get to manage a total block of paid time off, including vacation, sick and personal time. The amount of paid time off available each year is based on several factors including your years of service. You can also purchase up to an additional week of paid time off each year.

Holidays
All employees will receive the following holidays as paid time off:

MLK Day
Memorial Day
Independence Day
Labor Day
Thanksgiving Day
Christmas Day
New Year's Day

Bereavement
It is our policy to provide eligible employees with bereavement leave following the death of an immediate family member.

Family Medical Leave
We provide an enhanced family or medical leave policy to employees. The policy provides eligible employees with up to 26 weeks of job protection for qualified reasons.

Jury Duty
Our employees are encouraged to perform their civic duty and serve on jury duty when summoned. Paid time off is provided for you to do so.

Military Leave
It is our policy to grant leave for uniformed service in accordance with federal and state law.

Work-Life Balance

We're always looking for ways to keep our people happy and motivated. That's why we offer a wide array of programs to help you maintain your work-life balance.

Adoption Program
We provide you with financial reimbursement for qualified adoption expenses, such as agency and placement fees and travel expenses associated with the adoption.

Degree Development Program
We offer tuition reimbursement for college degrees and other job-related coursework.

Training and Development
We offer you many ways to take your career and skills to the next level. We have instructor-led courses, leadership development programs, cross-functional training and many other programs.

Employee Recognition Programs
We love to celebrate success with a wide range of employee recognition programs.

Employee Referral Program
Refer a friend, family member or colleague for a position within The Hartford and, if they are hired, you'll receive up to $1,000.

Onsite Health Clinic and Fitness Center
At many of our larger facilities, employees have access to in-house health clinics and fitness centers. The fitness centers are equipped with a variety of strength training and cardio fitness machines. Also, all employees are eligible to participate in a national fitness club discount program.

Personal Insurance Purchased at Work
We offer employees discounted rates on homeowners and auto insurance from The Hartford.

Employee Discounts
Through partnerships with local and national businesses, we are able to offer our employees discounts on various products and services.