As Baby Boomers retire in record numbers, the rise in new retiree health claims can be risky, especially for self-funding groups. The Hartford can help. We offer flexible solutions that shift the risk away from companies. While catering to the special needs of retirees with flexible solutions.

Why Retiree Health Coverage?

• Over 80 percent of all seniors take at least one prescribed drug each day.¹
  
• Out-of-pocket health expenses during the retirement years are well over $200,000 for most people.²

Offset Medicare and offload your burden.

The Hartford's fully insured group medical plan offsets the deductibles, co-payments and out-of-pocket medical expenses not covered by Medicare. Plus, it takes the burden off of your company while potentially lowering costs. A few of the advantages:

• Multiple group sizes are eligible, from as few as two to as many as thousands. Customized plans are available for groups of 100 or more.
• Retirees, their spouses, widow(er)s and domestic partners age 65+ and those entitled to Medicare, are all eligible.
• By segmenting your age 65+ retirees into our plan, you can better control overall costs.
• We handle all the time-consuming details, freeing up your HR staff.
• Our customer service reps are specifically trained to work with the senior population.
• You can choose from a variety of prescription drug options for a better fit with your retirees' needs.

Learn more about retiree health coverage.

¹ "Hard to Swallow: Older Americans and the High Cost of Prescription Drugs," AFSCME Publications, 2008.
² "2008 Ends with Alarming Retirement Benefit Trends," by Mark Miller, Retirement Revised, citing Urban Institute studies.