Employee Benefits for Municipalities

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Elevating Communities With Impactful Benefits Solutions

Since 1949, we’ve partnered with thousands of public administration employers to deliver benefit programs and tailored solutions to the public sector.
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Deep Sector Insight, Practical Solutions

We understand the complexities of the public sector—because we’ve been immersed in it for decades. Our team brings specialized knowledge to help municipalities and public agencies navigate benefit design with confidence. Our customizable, cost-effective solutions are designed to help public sector organizations attract, support and retain the essential workers who keep our communities running. From flexible plan designs to responsive service, we help you protect your workforce and your budget.
 
When you work with The Hartford, you gain a partner who:
 
  • Aligns with your existing plans: We replicate current plan designs to ensure continuity and ease of transition.
  • Respects collective bargaining agreements: Our solutions are built to honor negotiated terms and maintain compliance.
  • Integrates with retirement systems: We understand the intricacies and importance of PERS and STRS plans and tailor benefits accordingly.
  • Protects high-risk roles: We customize coverage to meet the specific needs of police officers, firefighters and other frontline personnel.
  • Collaborates with cooperatives and consortiums: We work flexibly within shared service models to deliver scalable, cost-effective solutions.

Benefits That Help You Attract and Retain Talent

A strong benefits package is more than a perk - it’s a strategic tool for hiring and retention. Our customizable portfolio helps public sector employers stand out in a competitive labor market while supporting long-term employee satisfaction.
 
We offer a full range of solutions, including:
 
  • Short- and Long-term Disability
  • Life Insurance
  • Accident Insurance
  • Voluntary benefits like DisabilityFLEX®, Critical Illness and Accidental Death and Dismemberment (AD&D)
These options give employees the flexibility to choose what matters most. For retirees, our Group Retiree Health plans provide seamless Medicare supplementation, supporting your workforce through every stage of their career.
Absence Management Administration

Technology That Simplifies Administration – So You Can Focus on Serving

The Hartford’s Ability Advantage platform is built for the complexities of municipal HR. It streamlines claims and leave management, so you can manage benefits more efficiently, freeing up time to focus on your workforce and your community.
 
 
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Accident Form Series includes GBD-1000, GBD-1300, GBD-2000, GBD, 2300. Critical Illness Form Series includes GBD-2600, GBD-2700. Disability Form Series includes GBD-1000 A (10/08), GBD-1200 (10/08), or state equivalent. Life Form Series includes GBD-1000 A (10/08), GBD-1100 (10/08), or state equivalent. Hospital Indemnity Form Series includes GBD-2800, GBD-2900. Group Retiree Health Form Series includes GBD-2400, GBD-2500.
 
All coverages and services may not be available for all businesses or in all states. For details on what coverages and services are available to you, contact your agent at The Hartford today. 
 
* Critical Illness is referred to as "Specified Disease" in New York.
 
THESE POLICIES PROVIDE LIMITED BENEFITS. THEY PROVIDE COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICIES. These limited benefit plans (1) do not constitute major medical coverage, and (2) do not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. In New York: The Hospital Indemnity and Critical Illness policies provide limited benefits health insurance only. The Disability policy provides disability income insurance only. The Accident policy provides ACCIDENT insurance only. IMPORTANT NOTICE—THE ACCIDENT POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. These policies do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
 
NOT CONNECTED WITH OR ENDORSED BY THE U.S. GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM. Limitations & Exclusions:  The Hartford’s Insurance Plan does not cover any expense that is not a Medicare Eligible Expense or beyond the limits imposed by Medicare for such expenses or excluded by name or specific description by Medicare, except as specifically provided in the policy.  The plan does not cover:  Any part of a covered expense to the extent paid by Medicare; benefits payable under one benefit of the policy to the extent covered under another benefit of the policy; or expense incurred after coverage terminates, except as stated in any Extension-of-Benefits provision of the policy.
 
1 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit https://www.thehartford.com/employee-benefits/beyond-insurance for more information. HealthChampion® specialists are only available during business hours. Inquiries outside of this timeframe can either request a call-back the next day or schedule an appointment.
 
2 Travel Assistance and Identity Theft Support Services are provided by International Medical Group (IMG®). IMG® is not affiliated with The Hartford. None of the services provided by IMG® as a part of the Travel Assistance and Identity Theft Support services are insurance. Services may vary and may not be available in all states. Conditions may exist that render services difficult or impossible to provide. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. IMG® will provide payment for third-party transport expenses related to a qualified medical evacuation or repatriation, return of dependent children, return of travel companion, return of mortal remains, or visit of a family member or friend. Payment will be limited to $1,000,000 combined single limit per person; however, any non-transport related expenses, such as medical expenses, related to these services is the responsibility of the traveler. IMG® will not provide evacuation services if the transport is not medically advisable or necessary or if the injury or illness can be treated locally. All emergency medical transport services must be arranged by IMG®-designated personnel to be eligible for services under this program. No payment for reimbursement of services not approved by IMG® in advance will be accepted. Not available in New York
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company, under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.