Group Benefits for Municipalities

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Customized Benefits, Comprehensive Portfolio

Since 1949, we’ve worked with thousands of public administration employers to design customized benefit programs for their employees. Our flexible and affordable benefit solutions support the lives and livelihoods of the public workers we all depend on.
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Expertise in the Public Sector

With our deep knowledge of the public sector landscape, municipalities count on us to help tailor their employee benefits portfolio for their unique needs. When you partner with The Hartford to design a customized benefits package, we will:
 
  • Match existing plan designs
  • Accommodate collective bargaining agreements
  • Understand public employee and state teacher retirement system (PERS, STRS) plans
  • Customize benefits for the special risks that police officers and firefighters face
  • Collaborate with cooperatives and consortiums

Products That Stand Out in the Industry

Our comprehensive portfolio of insurance products can be customized to meet your employees’ specific needs. We offer benefits, such as:
 
  • Group Disability with Short-term Disability (STD) and Long-term Disability (LTD)
  • Group Life and Accident with Life Insurance, Accidental Death and Dismemberment (AD&D) coverage and Travel Accident Insurance
  • Voluntary Benefits with Short-term Disability (STD), Long-term Disability (LTD), Life Insurance, DisabilityFLEX®, Critical Illness*, Accidental Death and Dismemberment (AD&D)
  • Group Retiree Health with flexible plans to supplement Medicare coverage
 
 
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Accident Form Series includes GBD-1000, GBD-1300, GBD-2000, GBD, 2300. Critical Illness Form Series includes GBD-2600, GBD-2700. Disability Form Series includes GBD-1000, GBD-1200. Life Form Series includes GBD-1000, GBD-1100. Hospital Income Plan Form Series includes GBD-2800, GBD-2900. Group Retiree Health Form Series includes GBD-2400, GBD-2500.
 
Es posible que no todas las coberturas y servicios estén disponibles para todos los negocios ni en todos los estados. For details on what coverages and services are available to you, contact your agent at The Hartford today. 
 
* Critical Illness is referred to as "Specified Disease" in New York.
 
THIS POLICY PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY. Este plan de beneficios de salud limitado (1) no constituye una cobertura médica principal, y (2) no satisface el mandato individual de la Ley de Atención Asequible (ACA) ya que la cobertura no cumple con los requisitos de una cobertura esencial mínima.
 
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.
2 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit https://www.thehartford.com/employee-benefits/beyond-insurance for more information. HealthChampionSM specialists are only available during business hours. Inquiries outside of this timeframe can either request a call-back the next day or schedule an appointment.
 
3 Travel Assistance and Identity Theft services are provided by Generali Global Assistance (GGA). Generali Global Assistance is not affiliated with The Hartford. 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 by Generali Global Assistance as a part of the Travel Assistance and Identity Theft service are insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit https://www.thehartford.com/employee-benefits/beyond-insurance for more information.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company 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 www.thehartford.com. Todos los beneficios están sujetos a los términos y condiciones de la póliza. 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.