Group Benefits for Municipalities

Customized Benefits, Comprehensive Portfolio

Since 1949, The Hartford has worked with over 1,400 public administration employers to design benefits programs for their employees. We know the landscape pretty well. When you work with The Hartford to design a benefit package for your employees, we’ll work to:
  • Match existing plan designs
  • Accommodate collective bargaining agreements
  • Understand public employee and state teacher retirement system (PERS, STRS) plans
  • Customize benefits for special risks that police officers and firefighters face
  • Collaborate with cooperatives and consortiums

Products That Stand out in the Industry

We offer a comprehensive portfolio of products that you can tailor to the needs of your employees:
  • Group Disability with Short-term Disability (STD) and Long-term Disability (LTD).
  • Group Life & Accident with Life Insurance, Accidental Death and Dismemberment (AD&D) coverage, and Travel Accident Insurance.
  • Voluntary Benefits with Short-term Disability (STD), Long-term Disability (LTD), Life insurance, DisabilityFLEX,® Critical Illness,* Accident Insurance, and AD&D.
  • Group Retiree Health with Flexible plans to supplement Medicare coverage.

And at No Additional Cost

Life Insurance and LTD Insurance come with a range of services that add value, such as EstateGuidance,®2 Beneficiary Assist,®2 Travel Assistance®3 and 24/7 ID theft protection while at home and away.3

Enhanced Line of Duty Coverage for Public Safety Officers

We recognize the hazards that your public safety employees face and we understand the absolute importance of protecting their families in the event of illness or death. That’s why we put together our Occupational Death Benefit specifically for public safety officials such as police and firefighters. This acts as a rider on a 100% employer-paid group life policy and may be offered as either a flat amount or as a salary multiple.
Options include:
  • Accident only – Death resulting directly from an on-the-job injury within 365 days of the accident.
  • Accident plus specified disease – Accident-only coverage, plus coverage for certain diseases resulting from employment that were diagnosed while the employee was working, including cardiovascular disease, hypertension and silicosis, diseases of the lungs and respiratory tract, and renal disease.
  • Accident plus specified disease with extension – Accident-only plus specified disease coverage as well as coverage for cardiovascular disease and hypertension diagnosed within one year of the last day of work.
5759d NS 02/18
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, GBD-1200. Life Form Series includes GBD-1000, GBD-1100. Hospital Income Plan 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.
This page outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.
* THIS POLICY PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY. This limited health benefit plan (1) does not constitute major medical coverage, and (2) does 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: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
2 EstateGuidance® and Beneficiary Assist® are offered through The Hartford by ComPsych® Corporation. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. A simple will does not cover printing or certain other features. These features are available at an additional cost. Services may not be available in all states. Visit for more information.
3 Travel Assistance and Identity Theft services are provided by Generali Global Assistance. Generali Global Assistance is not affiliated with The Hartford and is not a provider of insurance services. Generali Global Assistance 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 Generali Global Assistance as a part of the Travel 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 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 and reserves the right to discontinue any of these services at any time. Services may not be available in all states. Visit for more information.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.