Group Retiree Health

Today, employers face numerous challenges when providing retiree health coverage. The ratio of retirees to active employees is increasing. Medical inflation trends are in the double-digit range. Employers must continue to account for this liability on their balance sheet. There is increased demand on the Human Resource department to administer these plans. Traditional methods of self-funding and fully insured plans are not responsive to these challenges.

The Hartford’s¹ Group Retiree Health Solution provides a range of insurance products and services to employer groups that offer protection to their retirees.²

Why Choose The Hartford?

• Leader in group retiree medical
• 18+ years in retiree market
• Dedicated sales specialists and account managers
• Focus on the senior population
• High name recognition with the senior population
• High client satisfaction and retention
• Financial Strength and Integrity

Employers know the importance of sponsoring a quality insurance program that is backed by a strong, stable company such as The Hartford. The Hartford has one of the strongest financial profiles in the industry and has consistently earned high ratings for financial stability from independent analysts.

The Hartford’s Group Retiree Health is the solution for employers who are looking for:

• Flexibility in designing a plan that integrates with Medicare and meets their specific needs;
• A group plan designed and rated specifically for only their retirees;
• A means to provide group health insurance for its small (fewer than 100) retiree population;
• More competitive insured stop loss solutions;
• An opportunity to lower costs on active employee health plans;
• Ways to reduce or eliminate employer’s legacy costs;
• A way to relieve the retiree burden from their Human Resource staff;
• Freedom of choice of providers for their retirees;
• No networks or referrals needed;
• An employer-sponsored group health insurance plan.