Group Disability Insurance

Powerful income protection, better business outcomes.

Businesses can help employees protect their incomes and rebuild their lives after an unexpected event with Group Disability Insurance products from The Hartford. Our products include a broad variety of absence management and claims support services designed to streamline administration, ease the claims process, and get employees back to work as soon as is reasonably possible.

Short-Term Disability

When employees are unable to work because of a disabling injury or illness, Short-Term Disability Insurance helps by replacing part of their income. Our group disability product makes the whole process easier for everyone because:
  • Nurses handle the claims, providing a compassionate and efficient experience that can reduce the length of absences.
  • We can integrate the processes related to short-term disability and leave management.

Long-Term Disability: Continuing Protection

Like Short-Term Disability, our Long-Term Disability Insurance product is carefully designed to emphasize ability, not limitations. It helps address an employee’s need for a secure income with a business’ need for the best possible work outcome.
  • The way we define disability can help employees avoid a loss in earnings, with a 100% return to work incentive formula.
  • Ability Assist®1 is a value-added service designed to help provide employees with emotional, legal, and financial guidance and make it easier for them to focus on their recovery.
  • A 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 frequently. To stay compliant, it takes experience and up-to-date knowledge. The Hartford's group disability team can help provide that for you. We help businesses meet state requirements, protect their workforce, and relieve staff of legal, regulatory and administrative burdens.

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. These services include:
  • Ability Assist® (Short-Term and Long-Term Disability)
  • HealthChampionSM1 (Short-Term and Long-Term Disability) 
  • Travel Assistance & ID Theft Protection Services2 (Life, Accident and Long-Term Disability)
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home office is Hartford, CT.
Ability Assist® Counseling Services and HealthChampionSM services are offered through The Hartford by ComPsych® ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych.
Travel 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. Europ Assitance USA may modify or terminate all or any part of the service at any time without prior notice.  None of the benefits provided to you by Europ Assistance USA as a part of the Travil Assistance and Identity Theft service are insurance.  This brochure, the Travel Assistance and Identity Theft service Terms and Conditions of Use, and the Identity Theft Resolution Kit constitute your benefit materials and contain the terms, conditions, and limitations relating to your benefits.  These services may not be used for business or commercial purposes or by any other person other than the individual insured under The Hartford’s group insurance policy.  The Hartford is not responsible and assumes no liability for the goods and services described in these materials.
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Important State Specific Information

See more details on how these products apply to you and your employees based on your state.