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LONG-TERM DISABILITY INSURANCE. Give your paycheck the guarantee that life never promises you.

LONG-TERM DISABILITY INSURANCE. Give your paycheck the guarantee that life never promises you. Long-term Disability. You’re a good provider, not a superhero. Your health and paycheck are your lifeline. A disabling injury occurs every second.*

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LONG-TERM DISABILITY INSURANCE. Give your paycheck the guarantee that life never promises you.

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  1. LONG-TERM DISABILITY INSURANCE.Give your paycheck the guarantee that life never promises you.

  2. Long-term Disability • You’re a good provider, not a superhero. • Your health and paycheck are your lifeline. • Adisabling injury occurs every second.* • How to help protect your paycheck if this happens to you? * National Safety Council, Injury Facts, 2008 edition.

  3. Long-term Disability • The coverage that helps pay for your living expenses. • Monthly bills and credit card debts. • Home mortgage or rent. • Childcare or elder care. • Your retirement planning.

  4. Long-term Disability • Reality check: Any alternatives? • Social Security Disability Insurance. • Not enough to support most households. • Workers’ compensation. • Only covers work-related injuries. • Retirement account and savings. • Would rob you of interest and funds for future.

  5. Long-term Disability • Hard-working benefits. • Covers serious accidents. • Covers serious illnesses. • Delivers monthly benefits and expert services in either case.

  6. Long-term Disability “I was a passionate cyclist until the day my bike flipped over during a race. I was in a coma for a month and spent months in rehab. Thanks to The Hartford, my salary was protected. And I returned to work part-time.” Dick K. Boulder, CO

  7. Long-term Disability “Stage III ovarian cancer meant a long absence from work. Through The Hartford’s disability plan, I not only received income protection, but kindness, expert answers and heartfelt support. I'm back at work now, thanks to all of it.” Judy C. Amherst, MA

  8. Long-term Disability • Real benefits for people with real budgets. • Affordable group rates.

  9. Long-term Disability • Details, details. • Who’s eligible? • Active Regular employees on U.S. payroll who are scheduled to work a minimum of 30 hours per week. • When am I covered? • After 31 days of employment. • Enrollment period? • -November 1-18.

  10. Long-term Disability • What happens after a claim? • How long before I receive benefits? • On the 181th day of your disability. • When will my benefits end? • After 24 months of not being able to work in your occupation, and possibly longer if you continue to be disabled from any occupation. • What about pre-existing conditions? • Must be treatment-free for 6 consecutive months before the date your plan begins. • After your plan has been in effect for 12 months, no limitations on pre- existing conditions.

  11. Long-term Disability • Even more advantages. • Waiver of premium. • Survivor benefit. • Worksite modification. • Social Security assistance.

  12. Long-term Disability • Timing is everything. You must enroll in the LTD buy-up option of 60% by November 18th in order to enroll with no medical underwriting. Late entrant at any time after this annual enrollment requires evidence of insurability.

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