Understand Your Employee Benefits Options

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Employee Benefits That Have Your Back

Employee-paid benefits are separate from your health insurance. They can help pay for what health insurance doesn’t cover. During your enrollment, you may be able to choose benefits that can provide additional coverage to help protect your future. When you know how these benefits work, you can make informed choices on what’s best for you now and in the future.

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Your enrollment decisions could help make a difference when you and your loved ones need it most.

Employee Benefits Beyond Health Insurance

There are a few types of workplace benefits beyond medical coverage that may be available to you during enrollment. Some benefits may be offered by your employer at no cost to you. You may also be able to buy additional benefits or choose more coverage for a small fee deducted from your paycheck. The one thing all these benefits have in common is that they pay cash directly to you or your loved ones.
Income Protection Benefits
Help protect your income while you’re away from work.
 
  • Short-term Disability Insurance, which we call Short-term Income Protection Benefits, replaces part of your income if you’re unable to work due to childbirth, illness or injury.
  • Long-term Disability Insurance, which we call Long-term Income Protection Benefits, helps cover your day-to-day living expenses when you’re unable to work for an extended time due to an injury or illness.
Supplemental Health Benefits
Help fill in the gaps left by medical insurance after an illness or accident.
 
  • Accident Insurance, which we call Accidental Injury Benefits, provides a cash benefit for an accidental injury.
  • Critical Illness2 Insurance, which we call Critical Illness Benefits, provides a cash benefit for a covered illness.
  • Hospital Indemnity Insurance, which we call Hospital Cash Benefits, provides a cash benefit for each day you or your dependent stays in the hospital.
Life and Loss Benefits
Help provide for those who depend on you.
 
  • Accidental Death and Dismemberment insurance, which we call Accidental Loss of Life and Severe Injury Benefits, covers you for an accidental loss of motion, sight, limb or life.
  • Life Insurance is protection for those you will leave behind, with a cash benefit that can help pay for final plans and offset the loss of future income.
Learn how our benefits can help you at each of life’s moments, no matter where your journey takes you.
Group Benefits

Leave of Absence Resources

If you need to take extended time away from work to care for yourself or a loved one, know what you may be eligible for.
 
Discover how a leave of absence works and understand what options may be available when planning for the future.
 

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Contact Your HR Department for Details on Your Benefit Options
 
 
5759z NS 06/23
 
1 Supplemental Health products (Accident, Critical Illness and Hospital Indemnity, etc) are independent and do not coordinate with any other health coverage.
 
2 Critical Illness is referred to as “Specified Disease” in New York.
 
Accident Form Series includes GBD-1000, GBD-1300, GBD-2000, GBD, 2300. Critical Illness Form Series includes GBD-2600, GBD-2700, GBD-3600, GBD-3700, or state equivalent. Disability Form Series includes GBD-1000, GBD-1200. Hospital Indemnity Form Series includes GBD-2800, GBD-2900, or state equivalent. Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
 
THESE POLICIES PROVIDE LIMITED BENEFITS. These limited benefit plans (1) do not constitute major medical coverage, and (2) do not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. In New York: The Hospital Indemnity and Critical Illness policies provide limited benefits health insurance only. The Disability policy provides disability income insurance only. The Accident policy provides ACCIDENT insurance only. IMPORTANT NOTICE—THE ACCIDENT POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. These policies do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
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