●  In LTD, our focus is on abilities and creating positive outcomes. Features like these play a big role in treatment plans that help people return to work:

●  Rehabilitation — clinical and vocational

GuidanceResources^® — offering employee and work/life assistance with personal problems (optional).

●  Family Care Credit — to defray childcare costs during rehab programs

●  Workplace Modification Benefit — including adaptive equipment

●  Partial Benefits — or part-time return to work

●  100% Return-to-Work Incentive — allows benefits plus earnings to replace 100% of pre-disability earnings for a specified period

●  Social Security Assistance — for application and appeals

●  Easily Integrates LTD with STD, FMLA Administration and Workers' Comp.

●  At no additional cost, employers also have access to various levels of information management reporting.

Our Ability Philosophy

Ability Management® is our approach to disability claims, based on the idea that people want to live active, independent, productive lives. To help make that happen, we bring together the right products, services and people to empower individuals to reclaim their lives. At the core of our disability programs are:

• a focus on abilities and claim management
• return-to-work services and benefits
• contract incentives that encourage rehabilitation

The other side of the coin is the effect that individual empowerment and return-to-work programs can have on business productivity. Our Ability Management® approach encourages:

• raising expectations for maximum workforce productivity
• improving employee safety and health
• reducing unnecessary absences

●  When an employee reports a claim, our electronic triage system makes possible quick attention on claim management from the right people, and quick decisions.

●  To encourage employees' return to work, STD can include rehabilitation services, if needed, as well as professional counseling. And partial benefits are paid if employees return to work part-time.

●  STD easily integrates with LTD, FMLA Administration and Workers' Comp.

●  Employers also have access to various levels of information management reporting.

Why offer short-term protection?

• Some 2/3 of disabilities are non-work-related — and not covered by workers' comp.
• Without a paycheck, the typical employee's savings last less than 5 weeks.
• Managing treatment early, especially for disabilities that could become long-term, can mean better outcomes and faster return-to-work.

The Hartford also provides:

• Statutory plans and plan administration
• Administration for salary continuation plans

Designed for employers with 1,000+ employees, this service helps ease the burden of administering FMLA. And it gives employees a simple, consistent way to report absences for their own or a family member's serious health condition.

FMLA Administration is designed to be hassle-free for employees, supervisors and human resources staff.

• One phone number makes it easy for employees to report STD claims and family and medical leave events.
• The Hartford's Absence Coordinators obtain leave information from employees, verify eligibility online and explain what happens next in the leave process.
• Employees and their employer are kept informed of on-going leave status and can call the number to ask questions about STD and family and medical leave events.