What is DisabilityFLEX?
DisabilityFLEX is a disability insurance for short-term absences. It adds to an employee's existing benefits plan and can be customized for a wide array of benefits. Employees are able to choose the options that best suit their needs and budget, including how much they receive, when their payments start and for how long.
Why Employees Should Consider DisabilityFLEX
Nearly seven in ten (69%) of full-time employee have someone else relying on their paycheck; generally a spouse or kids.*
DisabilityFLEX provides companies the ability to offer their employees better benefits while still controlling costs.
One hundred percent employee-funded, DisabilityFLEX allows them to do both. Whether it is used to complement an existing benefits package or as a new stand-alone benefit, it offers attractive, affordable protection – income protection that is vital to safeguarding the life they’ve worked to build.
What DisabilityFLEX Covers
DisabilityFLEX helps protect employees who are injured or become ill outside of work. For example, it will help cover part of an employee’s paycheck if that employee breaks his leg while trimming branches in his yard on the weekend. But it also covers many incidences employees might not expect, such as:
- Maternity time off
- Whiplash neck injuries
- Surgery recovery
- Stress/anxiety disorders
- Herniated disks
- Broken bones
What Is Flexible About DisabilityFLEX
DisabilityFLEX is customizable, affordable and easy to understand. DisabilityFLEX offers a weekly flat dollar amount between $100 and $2,000 paid directly to employees – instead of a percentage of income.
DisabilityFLEX also offers employees customizable options. Employees select:
- When their payments start
- How long they receive payments for
- A benefit amount that is most affordable
Since there are no offsets for other income benefits, the benefit amount selected is the amount received in the event of a disability.
What Employees Get
We do more than just provide a benefit to injured and ill employees. We offer a series of services – at no additional cost – that help employees recover and cope with the unforeseen consequences of disabilities.
- Ability Assist®4 – Confidential support to help with the emotional, legal and financial issues that arise from injuries and illnesses
- HealthChampionSM5 – Unlimited access to benefit specialists and nurses who can assist disabled employees with claims and medical issues
How to Get It
The Hartford makes it simple for brokers and employers to find the right coverage. Connect with a representative from The Hartford today.
5759v NS 02/18
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.
* National Survey of 1,000 full-time employees. The Hartford 2014 Benefits Study For Tomorrow.