The Hartford

The Hartford is a Powerful Partner Working for You!
Your business is unique. So you should have choices to meet your distinct needs. With The Hartford,1 you can select from a wide array of group life, disability and related product and service options to help you maintain your productivity while protecting your employees.

Long-Term Disability (LTD)

• Contract provisions that provide return-to-work incentives
• Claim management that focuses on an employee’s abilities, not limitations
• An independent physician review model helps 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 (STD) insurance, Family Medical Leave Act (FMLA) administration, and Workers’ Compensation (WC) programs
• Flexible benefit features include Family Care Expense Credit, Workplace Modification Benefit and Extended Earnings Protection Benefit
• Core buy-up plans available
• Ability Assist® provides support to insured employees, claimants and their family members through ComPsych.® There is no additional cost for insured employee coverage up to 1,000 lives. For cases over 1,000 lives, an additional charge will apply.

Short-Term Disability (STD)

• Contract provisions that provide return-to-work incentives
• Fully telephonic claims processing available
• Easy integration with our LTD, FMLA administration, and WC programs
• Self-funded options - Complex Claim Advice, Advice to Pay, and full-service Administrative Services Only (ASO)
• First 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
• Generous Living Benefit Options - acceleration of 80% to a maximum of $500,000, with 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 Include:

• Affordable employee-paid Life, STD and LTD group benefits
• Multiple enrollment options from personalized enrollment forms to online enrollment
• Dedicated Enrollment Services Unit coordinates the entire enrollment process, making it hassle-free for customers
• A variety of options for guaranteed issue, minimum participation and pricing
• Marketing materials to increase awareness/enrollment, including payroll stuffers, CDs, personalized enrollment kits, posters, Web and newsletter articles and advertisements

More Advantages for Your Business
Other product and service options include 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, and Medical Stop Loss coverages.

To help you manage your benefits programs, The Hartford provides full reporting capabilities plus Employer View® and Producer View® Web sites that provide 24/7 access to information customized for your business requirements.

Financial Strength and Stability
When you choose a group benefits company, you are choosing a partner to be there for you every step of the way. The Hartford’s financial strength and stability are among the strongest in the industry:2

A by A.M. Best for “Superior Overall Performance.”
AA by Fitch, “Very strong.”
Standard & Poor’s rates us an AA- or “Very Strong.”
Moody’s considers us Aa3 or “Excellent Financial Security.”

Rigorous financial discipline and risk management enable us to continue to grow profitably and continue to invest in products and services that benefit you.

1 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life and Accident Insurance Company, Hartford Life Insurance Company, and Hartford Life Group Insurance Company. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

2 Rankings as of November 30, 2004

At The Hartford, we deliver on our promises every day.

To learn more about The Hartford, please contact your local BenefitMall sales team.