Whether it's a life insurance claim, a long-term absence due to illness, a short-term maternity leave - or any other reason for a claim - we handle it all with sensitivity, attention to detail, accuracy and knowhow.

Why a personalized approach?

• The Hartford's STD durations have been, on average, four days shorter than the industry's.¹
• Our ability approach and return-to-work coordinators have helped employees return to productivity nearly nine days sooner than initially estimated by their physicians.²

Claims to fame.

Taking the time necessary to talk to employees, answer their questions and ease their minds really sets us apart. So do our speedy phone response time and prompt payments. Here's what you can expect:

Short-term Disability Claims

• A nurse (averaging 20 years of experience) handles the claim at intake and works directly with employees' physicians to help ensure the best outcome.
• Clinical experts, including medical and behavioral case managers, follow a claim through its entire life cycle, intervening when necessary.
• Dedicated STD return-to-work experts help to ensure that the transition back to work is as safe and as timely as possible.

Long-term Disability Claims

• Our process allows for seamless transition from STD to LTD, with minimal paperwork required of employers and employees.
• More than 85 percent of our LTD claimants disabled for two years or more are approved for Social Security benefits, exceeding the industry average by four percent.³

Life Insurance Claims

• With claim centers in the U.S., each with extended call hours, we can guarantee an optimal service experience for beneficiaries. And accurate, prompt payment.

^1,3 JHA Disability Fact Book, Fifth Edition, 2008.
² The Hartford's Internal Database Records, 2007 and 2008. All statistics, dollar amounts and other figures do not reflect a guarantee for future results.