Group Voluntary Benefits: Accident, Critical
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Group Voluntary Benefits: Accident, Critical Illness, and Hospital Indemnity Insurance ACCIDENT INSURANCE ACCIDENT INSURANCE WHAT IS IT? Cash benefit(s) for a covered injury, related services and treatments including: Diagnostic exams,
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01
Group Voluntary Benefits: Accident, Critical Illness, and Hospital Indemnity Insurance<br>
02
ACCIDENT INSURANCE<br>
03
ACCIDENT INSURANCE WHAT IS IT?
Cash benefit(s) for a covered injury, related services and treatments including:
Diagnostic exams, x-rays and other emergency services
Initial and follow-up physician visits
Ambulance transportation
Bone fractures and dislocation incidents
Follow-up/recovery services
Physical therapy and chiropractic care
HOW THE COVERAGE WORKS
You, your spouse and your dependent children are eligible for coverage.
You choose the amount of coverage available at the time of enrollment.
Coverage is available with guaranteed acceptance.
You’ll receive a direct payment for a covered injury and related services.<br>
Cash benefit(s) for a covered injury, related services and treatments including:
Diagnostic exams, x-rays and other emergency services
Initial and follow-up physician visits
Ambulance transportation
Bone fractures and dislocation incidents
Follow-up/recovery services
Physical therapy and chiropractic care
HOW THE COVERAGE WORKS
You, your spouse and your dependent children are eligible for coverage.
You choose the amount of coverage available at the time of enrollment.
Coverage is available with guaranteed acceptance.
You’ll receive a direct payment for a covered injury and related services.<br>
04
ACCIDENT INSURANCE WHY DO I NEED IT?
Accident insurance can help relieve the financial impact of a covered accident. You can use the direct payment(s) in any way you choose including:
Deductibles and co-insurance
Everyday living expenses like bills, groceries, and rent/mortgage
Your health insurance may pick up most of the tab, but leave you with out-of-pocket expenses that add up quickly.
When combined with other coverages, such as disability insurance, Accident insurance can help ease the unplanned financial burden of a serious injury. “FastStats: Emergency Department Visits.” CDC.gov. CDC, May 2017. Web. Each year, Americans make 40.2 million injury-related visits to the emergency room.<br>
Accident insurance can help relieve the financial impact of a covered accident. You can use the direct payment(s) in any way you choose including:
Deductibles and co-insurance
Everyday living expenses like bills, groceries, and rent/mortgage
Your health insurance may pick up most of the tab, but leave you with out-of-pocket expenses that add up quickly.
When combined with other coverages, such as disability insurance, Accident insurance can help ease the unplanned financial burden of a serious injury. “FastStats: Emergency Department Visits.” CDC.gov. CDC, May 2017. Web. Each year, Americans make 40.2 million injury-related visits to the emergency room.<br>
05
5 ACCIDENT INSURANCE ALL THE DETAILS
How can I purchase coverage?
Employee
Employee/Spouse/DP
Employee/Child(ren)
Family
Who’s eligible?
Full-time and part-time employees who work at least 1,000 hours per year
Guaranteed issue
Coverage is guaranteed issue—no medical questionnaires are required to enroll
Can I take the coverage if I leave my job?
Coverage may be continued under a group portability policy. Call 877-320-0484 for more details<br>
How can I purchase coverage?
Employee
Employee/Spouse/DP
Employee/Child(ren)
Family
Who’s eligible?
Full-time and part-time employees who work at least 1,000 hours per year
Guaranteed issue
Coverage is guaranteed issue—no medical questionnaires are required to enroll
Can I take the coverage if I leave my job?
Coverage may be continued under a group portability policy. Call 877-320-0484 for more details<br>
06
ACCIDENT INSURANCE BENEFIT EXAMPLE: EMILY’S STORY
During gym class at school, Emily is playing basketball. She trips, falls hard on her knee and hits her head on the gym floor. She is taken by ambulance to the hospital for a broken leg. While there, Emily receives various services.
The plan would pay a benefit amount for each service covered as a result of the accident. This benefit example is fictitious and for illustrative purposes. The benefit amounts used in this example are for demonstration purposes only and may vary from the benefits that are available to you. The amounts shown are from The Hartford’s Accident Plan 1.
Accident Form Series includes GBD-2000, GBD-2300, or state equivalent.<br>
During gym class at school, Emily is playing basketball. She trips, falls hard on her knee and hits her head on the gym floor. She is taken by ambulance to the hospital for a broken leg. While there, Emily receives various services.
The plan would pay a benefit amount for each service covered as a result of the accident. This benefit example is fictitious and for illustrative purposes. The benefit amounts used in this example are for demonstration purposes only and may vary from the benefits that are available to you. The amounts shown are from The Hartford’s Accident Plan 1.
Accident Form Series includes GBD-2000, GBD-2300, or state equivalent.<br>
07
CRITICAL ILLNESS INSURANCE<br>
08
CRITICAL ILLNESS INSURANCE WHAT IS IT?
A lump sum benefit paid directly to you when you or a dependent is diagnosed with a covered illness while insured under the policy.
HOW THE COVERAGE WORKS
You and your dependents are eligible for coverage.
You choose the amount of coverage available at the time of enrollment.
Benefits remain payable if a previously covered illness returns, or if diagnosed with a different covered illness. Of Americans with medical insurance used all their savings for out-of-pocket medical costs. Kaiser Family Foundation and the Health Research & Educational Trust, 2015.<br>
A lump sum benefit paid directly to you when you or a dependent is diagnosed with a covered illness while insured under the policy.
HOW THE COVERAGE WORKS
You and your dependents are eligible for coverage.
You choose the amount of coverage available at the time of enrollment.
Benefits remain payable if a previously covered illness returns, or if diagnosed with a different covered illness. Of Americans with medical insurance used all their savings for out-of-pocket medical costs. Kaiser Family Foundation and the Health Research & Educational Trust, 2015.<br>
09
Reality Check:
High Deductible Health Plans and traditional medical insurance may not cover all of the expenses related to the treatment and recovery from a major illness. CRITICAL ILLNESS INSURANCE WHY DO I NEED IT?
Critical Illness insurance can help relieve the financial impact of an illness. You can use the payment in any way you choose including:
Deductibles and co-insurance
Everyday living expenses like bills, groceries, and rent/mortgage
Recovery and rehabilitation
Child care or caregiver expenses
Travel expenses to and from treatment center
WHAT DOES IT COVER?
Critical Illness insurance covers a range of illnesses. Some examples include:
Cancer
Heart Attack
Stroke<br>
High Deductible Health Plans and traditional medical insurance may not cover all of the expenses related to the treatment and recovery from a major illness. CRITICAL ILLNESS INSURANCE WHY DO I NEED IT?
Critical Illness insurance can help relieve the financial impact of an illness. You can use the payment in any way you choose including:
Deductibles and co-insurance
Everyday living expenses like bills, groceries, and rent/mortgage
Recovery and rehabilitation
Child care or caregiver expenses
Travel expenses to and from treatment center
WHAT DOES IT COVER?
Critical Illness insurance covers a range of illnesses. Some examples include:
Cancer
Heart Attack
Stroke<br>
10
10 CRITICAL ILLNESS INSURANCE ALL THE DETAILS
How much coverage am I able to purchase?
Employee: $10,000 or $20,000
Spouse: 50% of your coverage amount
Dependent children: $5,000
Who’s eligible?
Full-time and part-time employees who work at least 1,000 hours per year
Guaranteed issue
Coverage is guaranteed issue—no medical questionnaires are required to enroll
Can I take the coverage if I leave my job?
Coverage may be continued under a group portability policy. Call 877-320-0484 for more details<br>
How much coverage am I able to purchase?
Employee: $10,000 or $20,000
Spouse: 50% of your coverage amount
Dependent children: $5,000
Who’s eligible?
Full-time and part-time employees who work at least 1,000 hours per year
Guaranteed issue
Coverage is guaranteed issue—no medical questionnaires are required to enroll
Can I take the coverage if I leave my job?
Coverage may be continued under a group portability policy. Call 877-320-0484 for more details<br>
11
CRITICAL ILLNESS INSURANCE BENEFIT EXAMPLE: RACHEL’S STORY
Rachel is a working mom who was hospitalized with a heart attack at the age of 45.
Her health insurance paid for most of her medical expenses, but she was responsible for several thousands of dollars in copayments and deductibles. Fortunately, Rachel had enrolled last year in a $10,000 Critical Illness benefit through her employer.
The payout covered her outstanding medical expenses as well as child care and other living expenses she incurred during her recovery period. This case illustration is fictitious and for illustrative purposes only.<br>
Rachel is a working mom who was hospitalized with a heart attack at the age of 45.
Her health insurance paid for most of her medical expenses, but she was responsible for several thousands of dollars in copayments and deductibles. Fortunately, Rachel had enrolled last year in a $10,000 Critical Illness benefit through her employer.
The payout covered her outstanding medical expenses as well as child care and other living expenses she incurred during her recovery period. This case illustration is fictitious and for illustrative purposes only.<br>
12
This policy provides limited benefits for specified diseases only. This limited benefit plan (1) does not constitute major medical coverage, and (2) does 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: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Critical Illness [SPECIFIED DISEASE] Form Series includes GBD-2600, GBD-2700, or state equivalent.<br>
In New York: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Critical Illness [SPECIFIED DISEASE] Form Series includes GBD-2600, GBD-2700, or state equivalent.<br>
13
HOSPITAL INDEMNITY INSURANCE<br>
14
HOSPITAL INDEMNITY WHAT IS IT?
Cash benefit provided in the event of an unexpected hospital stay for a covered illness and/or injury, including:
First day stay (hospital confinement)
Additional days in the hospital
Days spent in the Intensive Care Unit (ICU)
HOW THE COVERAGE WORKS
You, your spouse and/or your dependent children are eligible for coverage.
The benefit amount you receive depends on your plan and length of stay.
Direct payment is sent to you or your beneficiary and can be used for anything you choose, like medical expenses and/or every day costs.
Coverage is available with guaranteed acceptance.<br>
Cash benefit provided in the event of an unexpected hospital stay for a covered illness and/or injury, including:
First day stay (hospital confinement)
Additional days in the hospital
Days spent in the Intensive Care Unit (ICU)
HOW THE COVERAGE WORKS
You, your spouse and/or your dependent children are eligible for coverage.
The benefit amount you receive depends on your plan and length of stay.
Direct payment is sent to you or your beneficiary and can be used for anything you choose, like medical expenses and/or every day costs.
Coverage is available with guaranteed acceptance.<br>
15
15 WHY DO I NEED IT?
Even the best medical plans are unlikely to cover all the costs incurred by a hospital stay.
There are additional costs attached to time away from home, other than hospital bills, that many do not consider.
These may include:
Family/Pet Care
Housekeeping
Lodging Expenses
Meals
Travel HOSPITAL INDEMNITY 1Kaiser Family Foundation, November 2016 Adjusted expenses per inpatient day include expenses incurred for both inpatient and outpatient care; inpatient days are adjusted higher to reflect an estimate of the volume of outpatient services. http://kff.org/other/stateindicator/expenses-per-inpatient-day-by-ownership.
2 “New Kaiser/New York times survey finds One in Five working-age Americans with health insurance report problems paying medical bills.” Kaiser Family Foundation. 5 Jan. 2016. Web. 27 Feb. 2017. The average cost of a hospital stay is
$2,346 per day,1
and 63% of Americans with medical insurance used all their savings for out-of-pocket medical costs.2<br>
Even the best medical plans are unlikely to cover all the costs incurred by a hospital stay.
There are additional costs attached to time away from home, other than hospital bills, that many do not consider.
These may include:
Family/Pet Care
Housekeeping
Lodging Expenses
Meals
Travel HOSPITAL INDEMNITY 1Kaiser Family Foundation, November 2016 Adjusted expenses per inpatient day include expenses incurred for both inpatient and outpatient care; inpatient days are adjusted higher to reflect an estimate of the volume of outpatient services. http://kff.org/other/stateindicator/expenses-per-inpatient-day-by-ownership.
2 “New Kaiser/New York times survey finds One in Five working-age Americans with health insurance report problems paying medical bills.” Kaiser Family Foundation. 5 Jan. 2016. Web. 27 Feb. 2017. The average cost of a hospital stay is
$2,346 per day,1
and 63% of Americans with medical insurance used all their savings for out-of-pocket medical costs.2<br>
16
16 HOSPITAL INDEMNITY ALL THE DETAILS
How can I purchase coverage?
Employee Only
Employee + Spouse
Employee + Child(ren)
Family
Who’s eligible?
Full-time and part-time employees who work at least 1,000 hours per year
Guaranteed issue
Coverage is guaranteed issue—no medical questionnaires are required to enroll
Can I take the coverage if I leave my job?
Coverage may be continued under a group portability policy. Call 877-320-0484 for more details<br>
How can I purchase coverage?
Employee Only
Employee + Spouse
Employee + Child(ren)
Family
Who’s eligible?
Full-time and part-time employees who work at least 1,000 hours per year
Guaranteed issue
Coverage is guaranteed issue—no medical questionnaires are required to enroll
Can I take the coverage if I leave my job?
Coverage may be continued under a group portability policy. Call 877-320-0484 for more details<br>
17
17 BENEFIT EXAMPLE: JOHN’S STORY
John is playing ice hockey with his son when he begins to experience significant chest pain. He’s taken by ambulance to a local hospital and is diagnosed with a heart attack.
After his hospital admission, he has emergency surgery where he’ll spend 2 days in the ICU, followed by another 7 days in a regular room.
John received a cash benefit for each day spent in this hospital. This helps him cover his medical deductible of $1,500 as well as supplement his income while he is not working. HOSPITAL INDEMNITY This case illustration is fictitious and for illustrative purposes only.
Note: When an insured is eligible for more than one benefit in a single day, only the highest benefit will be payable.<br>
John is playing ice hockey with his son when he begins to experience significant chest pain. He’s taken by ambulance to a local hospital and is diagnosed with a heart attack.
After his hospital admission, he has emergency surgery where he’ll spend 2 days in the ICU, followed by another 7 days in a regular room.
John received a cash benefit for each day spent in this hospital. This helps him cover his medical deductible of $1,500 as well as supplement his income while he is not working. HOSPITAL INDEMNITY This case illustration is fictitious and for illustrative purposes only.
Note: When an insured is eligible for more than one benefit in a single day, only the highest benefit will be payable.<br>
18
THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS.
This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
Hospital Income Plan Form Series includes GBD-2800, GBD-2900, or state equivalent.<br>
This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
Hospital Income Plan Form Series includes GBD-2800, GBD-2900, or state equivalent.<br>
19
19 Retrieve the form online at thehartford.com/benefits/myclaim
Complete, sign and date this form electronically or in paper copy
Submit the completed form and supporting documentation through the online portal above or mail or fax them to:
The Hartford Supplemental Insurance Benefit Department PO Box 99906 Grapevine, TX 76099 Fax Number: 1-469-417-1952
For assistance, dial (866) 547-4205 HOW TO FILE A CLAIM<br>
Complete, sign and date this form electronically or in paper copy
Submit the completed form and supporting documentation through the online portal above or mail or fax them to:
The Hartford Supplemental Insurance Benefit Department PO Box 99906 Grapevine, TX 76099 Fax Number: 1-469-417-1952
For assistance, dial (866) 547-4205 HOW TO FILE A CLAIM<br>
20
Together We Prevail™<br>
21
21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home office is Hartford, CT.
All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
1 Funeral Concierge Services are offered through Everest Funeral Package, LLC (Everest). Everest and the Everest logo are service marks of Everest Funeral Package, LLC. PriceFinder is a service mark of Everest Information Services, LLC. Everest is not affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest ReGroup, Ltd., Everest Reinsurance Company or any of their affiliates. Average range of savings based on average savings experienced by actual Everest families. Range of savings and case studies are provided for illustrative purposes only. Individual circumstances, customer choice, market forces and other factors can influence prices and potential savings and therefore substantially influence actual results. Results and savings are not guaranteed.
2 Beneficiary Assist® is offered through The Hartford by ComPsych® Corporation. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. Services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
3 EstateGuidance® is offered through The Hartford by ComPsych® Corporation. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. A simple will does not cover, printing or certain other features. These features are available at an additional cost to you.
4 Travel Assistance and Identity Theft services are provided by Generali Global Assistance. Generali Global Assistance is not affiliated with The Hartford and is not a provider of insurance services. Generali Global Assistance may modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided to you by Generali Global Assistance as a part of the Travel Assistance and Identity Theft service are insurance. This brochure, the Travel Assistance and Identity Theft service Terms and Conditions of Use, and the Identity Theft Resolution Kit constitute your benefit materials and contain the terms, conditions, and limitations relating to your benefits. These services may not be used for business or commercial purposes or by any person other than the individual insured under The Hartford's group insurance policy. The Hartford is not responsible and assumes no liability for the goods and services described in these materials and reserves the right to discontinue any of these services at any time.
5 Ability Assist® Counseling Services are provided through The Hartford by ComPsych®, the largest provider of employee assistance programs, managed behavioral health, work/life and crisis intervention services. Ability Assist® is offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych. Services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information
6 HealthChampionSM services are provided through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych. Services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information. LEGAL DISCLAIMERS These services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.<br>
All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
1 Funeral Concierge Services are offered through Everest Funeral Package, LLC (Everest). Everest and the Everest logo are service marks of Everest Funeral Package, LLC. PriceFinder is a service mark of Everest Information Services, LLC. Everest is not affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest ReGroup, Ltd., Everest Reinsurance Company or any of their affiliates. Average range of savings based on average savings experienced by actual Everest families. Range of savings and case studies are provided for illustrative purposes only. Individual circumstances, customer choice, market forces and other factors can influence prices and potential savings and therefore substantially influence actual results. Results and savings are not guaranteed.
2 Beneficiary Assist® is offered through The Hartford by ComPsych® Corporation. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. Services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
3 EstateGuidance® is offered through The Hartford by ComPsych® Corporation. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. A simple will does not cover, printing or certain other features. These features are available at an additional cost to you.
4 Travel Assistance and Identity Theft services are provided by Generali Global Assistance. Generali Global Assistance is not affiliated with The Hartford and is not a provider of insurance services. Generali Global Assistance may modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided to you by Generali Global Assistance as a part of the Travel Assistance and Identity Theft service are insurance. This brochure, the Travel Assistance and Identity Theft service Terms and Conditions of Use, and the Identity Theft Resolution Kit constitute your benefit materials and contain the terms, conditions, and limitations relating to your benefits. These services may not be used for business or commercial purposes or by any person other than the individual insured under The Hartford's group insurance policy. The Hartford is not responsible and assumes no liability for the goods and services described in these materials and reserves the right to discontinue any of these services at any time.
5 Ability Assist® Counseling Services are provided through The Hartford by ComPsych®, the largest provider of employee assistance programs, managed behavioral health, work/life and crisis intervention services. Ability Assist® is offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych. Services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information
6 HealthChampionSM services are provided through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych. Services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information. LEGAL DISCLAIMERS These services may not be available in all states. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.<br>