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Employee Benefits Enrollment & Education

Employee Benefits That Support You During Life's Moments

The Hartford Staff
The Hartford Staff,Writers, Researchers, Product Specialists and Subject Matter Experts
The Hartford Staff
Writers, researchers, product specialists and subject matter experts.
10/29/2026 4 min read
Life comes with both unexpected twists and planned milestones. Learn how your workplace benefits can help provide added financial support when you need it most.
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Life is full of milestones, from starting your first job and moving into a new home to growing your family, caring for loved ones or planning for retirement. Some moments are carefully planned, while others arrive unexpectedly. Amid these changes, it's easy for your workplace benefits to take a back seat.
 
Whether you're preparing for a new chapter or navigating an unexpected challenge, supplemental health1 benefits such as accident insurance, critical illness2 insurance and hospital indemnity insurance can help provide added financial support when covered events occur. If your claim is approved, the benefit payment is typically paid directly to you so you could use it however you choose. Whether it’s helping with expenses your medical plan doesn't cover, or everyday costs such as groceries or a meal delivery service, transportation, childcare, rent or other household expenses.
 

Support for Life’s Moments, Big and Small

Consider looking at your benefits more closely to ensure they’re keeping pace with your life:
When You’re... You May Be... And Then Life Happens... Benefits Can Help...
In Your 20s Starting your career, managing new financial responsibilities and learning more about benefits offered at your workplace. You’re unexpectedly sidelined by a fractured wrist after a friendly pickleball game. Accident insurance can provide a benefit payment directly to you following an injury resulting from a covered accident. You can use it for medical expenses, transportation, groceries, rent or other everyday costs.
In Your 30s Buying a home, getting married, or starting a family where more people are depending on your paycheck. You welcome a new baby and spend an extra three days in the hospital recovering. Hospital indemnity insurance may help with costs related to childbirth or other covered hospital stays. The cash benefit can be used however you choose, whether that's covering expenses or helping family members stay close when you need support most.
In Your 40s Filling up your calendar with career, family, caregiving and health priorities. You experience an unexpected health scare and need time away from work to get care or recover. Critical illness insurance provides a benefit payment upon the diagnosis of a covered serious illness. Helping with medical expenses, lost income, or other financial needs.
50s and Beyond Focusing on protecting savings, supporting family and preparing for what comes next. You’re facing a hospital stay for a serious illness. After you’re released, you may need to travel for treatment or get in-home help during recovery. Depending on the covered event, a benefit payment may help with travel for treatment, household bills, temporary help at home or other expenses during recovery.

Benefits That Grow With You

When reviewing your benefits this year, consider:
 
  • How your life, responsibilities and financial priorities may have changed since your last benefits enrollment.
  • Whether accident insurance, critical illness insurance or hospital indemnity insurance may help provide additional financial support for covered events.
  • How a benefit payment could help with everyday expenses such as household bills, transportation, childcare or groceries.
  • Questions you may want to discuss with your HR representative or review on your company's benefits website.

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1 Supplemental Health products, including Accident, Critical Illness and Hospital Indemnity, are independent and do not coordinate with any other health coverage.
 
2 Critical Illness is referred to as “Specified Disease” in New York.
 
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.
 
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 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.
 
Accident Form Series includes GBD-2000, GBD-2300, GBD-3300, GBD-3500, or state equivalent.
 
Critical Illness Form Series includes GBD-2600, GBD-2700, GBD-3600, GBD-3700, or state equivalent.
 
Hospital Indemnity Form Series includes GBD-2800, GBD-2900, or state equivalent.
 
Not available in all states.
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.