Long-Term Disability Insurance

What is Long-Term Disability Insurance?

Long-term disability insurance helps ensure that employees will still receive a portion of their income when they are absent from work for an extended period due to a covered disability. These absences may be a result of accidents, injuries or illnesses that happened on or off the job.
 
This is an important coverage for employees because their savings might not be enough if an illness or injury keeps them out of work beyond their paid sick days. Additionally, long-term disability insurance (LTD) can help employees pay the bills when they cannot work due to a covered claim.
 

Why Employees Need Long-Term Disability Insurance (LTD)

Every second, a disabling injury changes someone’s life.1
 
Health insurance only covers medical bills. It won’t pay for groceries or rent.
 
And Workers’ Compensation kicks in only in the event of a work-related accident or injury.
 
The Hartford’s long-term disability plan can help maintain productivity by helping employees stay on the job. If they do incur an illness or injury, The Hartford can provide the resources employees need to help them return to work as soon as they are reasonably able.
 

What Long-Term Disability Insurance Covers

Long-term disability insurance covers injuries whether they are sustained inside or outside of work. Some common examples of the types of conditions that are covered:
 
  • Sprains and strains
  • Heart attack
  • Stroke
  • Coronary artery disease
  • Back pain
  • Scoliosis
  • Pneumonia
  • Pregnancy complications
  • Rheumatism

Flexible Long-Term Disability Insurance for Businesses

We can help employers choose the Long-term disability plan that best suits their employees’ needs. Long-term disability insurance can be customized to be a stand-alone plan, complement an employer-paid long-term disability plan or work with a short-term disability plan to help ensure continuity of coverage. Benefits include:
 
  • Up to 67% income loss protection
  • A definition of disability that enables employees to satisfy the elimination period with a loss of duties only
  • Waiver of premium
  • 100% return-to-work incentive
  • Workplace modification and family care credit

What Employees Get

The Hartford goes beyond the benefit with built-in value-added services to support an employee's recovery – at no extra cost to the company or the employee.
 
  • Return-to-Work Coordinators – Access to clinically trained, legally knowledgeable specialists with over 23 years of experience in the clinical field
  • Travel Assistance and ID Theft Protection Services3
  • Ability Assist®4 – Confidential support for emotional, legal and financial issues
  • HealthChampionSM5 – Offers unlimited access to benefit specialists and nurses for administrative and clinical support to address medical care and claims concerns
 

How to Get Long-Term Disability Insurance

The Hartford makes it easy for brokers and employers to find the right coverage. Connect with a representative from The Hartford today.
 
 
5759q NS 02/18
 
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.
 
National Safety Council,® Injury Facts,® 2014 Ed.
 
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.

Why Voluntary Long-Term Disability?

Learn more about how our Voluntary Long-Term Disability can benefit you and your employees.