Insurance for Employees

Insurance for Employees

Employee Benefits That Have Your Back

You may think, “It’ll never happen to me,” but life is unpredictable and can change in an instant. We’re here to help protect you and your loved ones.
Need to file a COVID-19 disability claim?
If you're showing COVID-19 symptoms, submit your claim online for faster processing. Our call centers are experiencing longer than normal wait times.
You may want to check with your employer before you file. Some employers have a waiting period, which means you have to be out of work for a set number of days before you can start getting benefit payments.

We’ll Help You Prepare for the Unexpected

Life has its ups and downs, and you never know when you’ll need extra support. That’s why The Hartford partners with your employer to offer you voluntary benefits – what we call “voluntary insurance coverages.” Think of our plans as a safety net, ready to help you in tough times, like if you become sick or get into a bad accident.
You can choose what you want by selecting the benefits that are right for your needs. And you’ll likely pay less than usual because you’re buying them through your employer’s group plan.
Although the benefit options vary based on what your employer chooses to offer you, there’s one thing that is always the same: our commitment to helping protect you and those you love.

Contact Your HR Department for Details on Your Benefit Options

Critical Illness Insurance

Critical Illness Insurance

Traditional health insurance may not cover everything if you become sick. Critical Illness Insurance1 can help with things like:
  • Home health care needs
  • Recovery and rehabilitation
  • Childcare or caregiver expenses
Accident Insurance

Accident Insurance

An accident can happen to anyone, at any time. Accident Insurance1 gives you cash benefits to cover what your insurance plan may not, like:
  • Ambulance rides
  • X-rays
  • Emergency room visits
Value-Added Services/The Hartford Life Essentials

Value-Added Services

From funeral planning to identity theft protection, we offer a suite of included services to help protect and prepare you for life.
Learn more about value-added services through The Hartford Life Essentials.SM
Hospital Indemnity Insurance

Hospital Indemnity Insurance

Hospital stays are expensive. Hospital Indemnity Insurance can help with expenses for things like:
  • Multiple days in the hospital
  • Being in the Intensive Care Unit (ICU)
  • Meals and lodging for visiting family
DisabilityFLEX video

Disability Insurance

If you’re unable to work because of a non-work-related condition, illness or injury, Short-Term Disability Insurance1 can give you:
  • A percentage of your salary every week
  • Professional support to help you get back on your feet and return to work
If you’re unable to work after a serious non-work-related condition, injury or illness, Long-Term Disability Insurance1 can give you:
  • A percentage of your salary each month
  • Professional help for disability-related challenges

Claim Center

Manage your benefits account with The Hartford.
Voluntary Life Insurance

Life Insurance

Real talk. A death can cause serious money issues for the family. With Life Insurance, your loved ones get cash benefits to help with:
  • Burial and funeral expenses
  • Childcare
  • Debts like mortgage and credit cards

We ‘Hart’ Our Customers

Voluntary AD&D Insurance

Accidental Death & Dismemberment Insurance (AD&D)

AD&D can help in the event of death or a life-changing injury off-the-clock. It’s different from Life Insurance, and can be used to pay for general expenses and other needs.
5759z NS 07/20
Accident Form Series includes GBD-2000, GBD-2300, or state equivalent.
Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.
Critical Illness Form Series includes GBD-2600, GBD-2700, or state equivalent.
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
Hospital Income Plan Form Series includes GBD-2800, GBD-2900, or state equivalent.
1 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 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 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.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.