An Extensive Portfolio Of Products and Services

The Hartford’s extensive group benefits portfolio includes these core offerings:

Long-Term Disability (LTD)

• Contract provisions that provide return-to-work incentives
• Functional approach to claim management that focuses on an employee’s abilities, not limitations
• Independent physician review model to help ensure more fair, objective claim decisions
• No self-reported condition limitations or prudent person language in our contract
• Easy integration with our short-term disability, Family and Medical Leave Act (FMLA) Administration and WC programs
• Flexible benefit features, including Family Care Expense Credit, Workplace Modification Benefit and Extended Earnings Protection Benefit
• Core buy-up plans available
• Ability Assist^{® 4} provides support to insured employees ⁵, claimants and their family members - included at no extra cost through ComPsych^®

Short-Term Disability (STD)

• Contract provisions that provide return-to-work incentives
• Fully telephonic claims process available
• Easy integration with our LTD, FMLA Administration and WC programs
• Self-funded options, including Complex Claim Advice, Advice to Pay, and full-service Administrative Services Only (ASO)
• 1st Day Hospital Coverage available

Life and Accident Insurance

• Basic, Supplemental and Voluntary Life programs
• Accidental Death & Dismemberment (either packaged with Life or customized on a stand-alone basis)
• Safe Haven^® interest-bearing draft book (checking) account for benefit payments of $10,000 or more
• Disability provisions with numerous options and waiver of dependent premium available
• Portability and Conversion options (for Basic and Supplemental insurance)
• Financial Planning Services for beneficiaries through FinancialPoint^SM, an affiliate of Com Psych^®
• A Living Benefit Option that’s one of the most generous in the industry (allows acceleration of 80% to a maximum of $500,000, with a choice of 6-, 12- or 24-month terminal illness definitions)
• Continuity of Coverage provisions for employees – standard and enhanced versions
• Beneficiary Assist^® provides grief, legal and financial counseling - included at no extra cost through ComPsych

Small Business Solutions

• Affordable standardized programs for Group Life, STD and LTD with employer-paid or voluntary options (100% employee-paid)
• Employer chooses maximum benefit amounts, and options such as elimination, waiting, and benefit periods
• Ability Assist and Beneficiary Assist employee assistance programs at no additional charge
• Less up-front paperwork to fill out, easy implementation and administration
• Access to additional services and business discounts

Voluntary Benefit Solutions

• Affordable employee-paid Life, STD and LTD group benefits
• Multiple enrollment options from personalized enrollment forms to on-line enrollment
• Dedicated Enrollment Services Unit coordinates the entire enrollment process, making it hassle-free for our customers
• A variety of options for guaranteed issue, minimum participation and pricing
• Straight-forward marketing materials (payroll stuffers, CDs, personalized enrollment kits, posters, articles and advertisements for employer websites and newsletters)

The Hartford offers a host of other products and services, such as FMLA Administration, Travel
Assistance (through Worldwide Assistance Services, Inc.), GuidanceResources^® (an enhanced employee assistance and work/life program), and specialized insurance products for physicians. Group Retiree Health is available to you, as well, through Hartford representatives dedicated to those coverage lines.

We also offer comprehensive reporting capabilities to help you manage your benefits programs, plus Employer View^® and Producer View^® websites that provide 24/7access to information customized for your business requirements. In addition, The Hartford’s enrollment assistance and personalized enrollment forms are designed to help maximize employee participation in voluntary plans.