Hartford Disability, Life, and AD&D Benefits Overview

1. Overview

This document provides a complete summary of the disability, life insurance, and accidental death & dismemberment (AD&D) benefits offered through The Hartford. These programs provide income protection, financial security, and support services for employees and their families during unexpected events such as injury, illness, disability, or loss of life.

All benefits described below are company‑paid, unless noted otherwise.

2. Short‑Term Disability (STD)

Short‑Term Disability provides income replacement when you are unable to work for a temporary period due to injury, illness, pregnancy, or other non‑work‑related medical conditions.

Benefit Summary

• Benefit Percentage: 60% of weekly earnings
• Maximum Weekly Benefit: $1,500
• Start of Benefits:
  • Sickness: 8th day
  • Injury: 1st day
• Maximum Duration: 26 weeks
• Cost: Paid 100% by employer

Eligibility

You are eligible if you work at least 30 hours per week as a full‑time employee.

Guaranteed Coverage

STD is guaranteed issue — no health questions required.

When Coverage Begins

Coverage begins on your eligibility date, provided you are actively at work.

Definition of Disability

You are considered disabled if you cannot perform the essential duties of your occupation due to illness, injury, pregnancy, mental health conditions, or substance use disorders, and your earnings fall within Hartford’s defined thresholds.

3. Long‑Term Disability (LTD)

Long‑Term Disability provides income protection if you are unable to work for an extended period following a serious medical condition.

Benefit Summary

• Benefit Percentage: 60% of monthly earnings
• Maximum Monthly Benefit: $6,000
• Minimum Benefit: 10% of benefit or $100 (whichever is greater)
• Elimination Period: 180 days
• Benefit Duration: Up to Social Security Normal Retirement Age or 4 years (whichever is greater)
• Cost: Paid 100% by employer

Eligibility

Active full‑time employees working 30+ hours per week.

Guaranteed Coverage

LTD is guaranteed issue, with a pre‑existing condition limitation.

Definition of Disability

• First 24 months: Inability to perform essential duties of your occupation.
• After 24 months: Inability to perform duties of any occupation for which you are reasonably qualified.

4. Basic Life & AD&D Insurance

Basic Life and Accidental Death & Dismemberment (AD&D) provides financial protection for your beneficiaries in the event of death or qualifying accidental injuries.

Coverage

• Employee Life Benefit: $50,000
• AD&D Benefit: Included (pays based on type of loss)
• Cost: Paid 100% by employer

AD&D Payout Examples

• Loss of life: 100%
• Loss of both hands, both feet, or both eyes: 100%
• Quadriplegia: 100%
• Paraplegia: 75%
• Hemiplegia: 50%
• Loss of one hand, foot, or eye: 50%
• Loss of thumb and index finger: 25%

Coverage Reductions

• Benefits reduce beginning at age 65 and again at age 70.

Portability

Life coverage can be continued if you leave the company through portability or conversion. AD&D cannot be continued.

5. Supplemental / Voluntary Life & AD&D

Employees may purchase voluntary life and AD&D insurance for themselves and their dependents.

Employee Coverage

• Choose in increments of $10,000
• Maximum: Lesser of 3× salary or $350,000
• AD&D included

Spouse Coverage

• Increments of $5,000
• Maximum: 50% of employee’s elected amount (up to $25,000)
• AD&D included

Child Coverage

• Flat benefit: $10,000 per child
• AD&D included

Evidence of Insurability (EOI)

• Required for coverage above guaranteed issue amounts
• Required for late enrollees or for increases after initial eligibility

Premiums

Paid by the employee through payroll deductions.

6. Limitations & Exclusions (Summary)

General Life Insurance Exclusions

• Suicide exclusion (within 2 years)
• Dependents must meet eligibility criteria
• Certain dependent restrictions apply (e.g., military service, infants under 6 months)

AD&D Exclusions

Common exclusions include injuries or death related to:

• Intentionally self‑inflicted injury
• Suicide
• War
• Felony acts
• Substance misuse (unless prescribed)
• Aircraft use outside commercial/public flights
• Racing, stunts, or test driving
• Distracted driving
• Failure to wear seatbelts or helmets
• Active military service

STD Exclusions

• Not under care of a physician
• Work‑related injuries covered under workers' compensation
• Self‑inflicted injuries
• Felony participation
• War
• Income offsets (e.g., Social Security, unemployment)

LTD Exclusions & Limitations

• Same exclusions as STD
• Pre‑existing condition limits apply
• Mental health & substance abuse limit: 24 months lifetime max (except while hospitalized)
• Offsets apply (e.g., Social Security disability, workers’ comp)

7. When Coverage Ends

Coverage ends if:

• You no longer meet eligibility
• Premium is not paid
• You leave the company
• The benefit is terminated by the employer