Insurance Value Added Services

Caring Support When Employees Need It Most

The Hartford has a suite of valuable additional services that employers can offer to help employees and their loved ones make informed decisions during some of the most difficult times in their lives.
 
During life’s most trying times, understanding one’s options and choosing the best direction can be very difficult. End-of-life decisions, financial matters, insurance needs, and planning for the loss of a loved one may be easier with the help of experienced and compassionate professionals.
 

Additional Services for Employees

Funeral Planning and Concierge Services1

The Hartford offers a suite of online tools that can help guide employees through important decisions before a loss, including detailed local funeral home price comparisons, 24/7 assistance with funeral planning, and the only nationwide database of funeral home prices. After a loss, this service includes family advocacy and professional negotiation of funeral prices with local providers, which often results in significant financial savings. In addition, Express Pay is offered to expedite claims payments and deliver benefits in as little as 48 hours. Funeral Planning and Concierge Services is included with our life coverage.
 

EstateGuidance® (Create a Will Online)2

The Hartford helps employees protect their family's future by creating a customized and legally binding online will using a simple but comprehensive online questionnaire. EstateGuidance also provides an online education center and support from a licensed attorney. Additional services include creating living wills and trusts along with guidance about divorce proceedings and durable power of attorney. This is included with our Life coverage.
 

Beneficiary Assist® (Help for Those Coping With a Loss)2

The Hartford provides expert support to help employees or their loved ones cope with the emotional, financial, and legal issues that arise after a loss. This also includes 24/7-unlimited phone contact with professionals, as well as five face-to-face sessions that help with topics such as grief and loss, job pressures, stress, anxiety, depression, and relationship/marital conflicts. Beneficiary Assist is included with our Life and Accident coverages.
 

Travel Assistance & ID Theft Protection Service3

The Hartford provides pre-trip information that helps employees feel safe and secure while traveling. This includes information about whether a visa or passport is required, immunization or inoculation requirements, foreign exchange rates, and embassy referrals. It also provides access to medical professionals across the globe when traveling 100+ miles away from home for 90 days or fewer. In addition, ID theft protection is available 24/7 whether home or away. ID theft protection offers educational materials on how to prevent identity theft and access to caseworkers who can help victims resolve problems that result from it. Travel Assistance & ID Theft Protection is included with our Life, Accident, and Long-term Disability coverage.
 

Employee Assistance Programs

We know that employees feel vulnerable after a disabling event. That’s why we offer access to the following professional resources to support their recovery.
 

Ability Assist® Counseling Services4

Employees enrolled in our Group Disability plan can receive professional counseling for financial, legal and emotional issues. This includes three face-to-face sessions per year and unlimited phone access. Services are also available to spouses and dependent children and can include guidance from highly trained master’s and doctoral level clinicians to help deal with job pressures, relationship and marital conflicts, stress, anxiety, depression, and substance abuse. Ability Assist counseling is included with our Short-term and Long-term disability coverages.
 

HealthChampionSM5

Employees enrolled in a Group Disability plan from The Hartford receive unlimited access to Benefit Specialists and nurses for administrative and clinical support to address medical care and concerns about claims. This assistance can help them understand their health care options, find the right resources, and resolve issues in a timely and fair manner. Services include claim and billing support, explanation of benefits, cost estimates/fee negotiation, information related to medical conditions and available treatments, one-on-one review of their health concerns, and support to help prepare for medical visits. HealthChampion is included with our Short-term and Long-term disability coverages.
 
 
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Value Added Services may not be available in all states and may vary by state. Unless otherwise noted, Value Added Service eligibility is based on the location of the account.
1 Funeral Concierge services are offered through Everest Funeral Package, LLC (Everest). Everest and the Everest logo are service marks of Everest Funeral Package, LLC. Everest is not affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest ReGroup, Ltd., Everest Reinsurance Company or any of their affiliates. The Hartford is not responsible and assumes no liability for the services provided by Everest Funeral Package, LLC as described in these materials and reserves the right to discontinue any of these services at any time. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
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. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
 
3 Travel Assistance and Identity Theft services are provided by Generali Global Assistance, Inc. Generali Global Assistance, Inc. is not affiliated with The Hartford and is not a provider of insurance services. Generali Global Assistance, Inc. may modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided by Generali Global Assistance, Inc. as a part of the Travel Assistance and Identity Theft service are insurance. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
4 Ability Assist® 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 for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. Ability Assist is a registered trademark of The Hartford. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
 
5 HealthChampionSM services are provided through The Hartford by ComPsych.® ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford doesn’t provide basic hospital, basic medical, or major medical insurance. 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. 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. HealthChampion is a service mark of ComPsych. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
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. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.