What Is Accidental Loss of Life and Severe Injury Benefits?
Accidental Loss of Life and Severe Injury Benefits pay a cash benefit if an employee dies accidentally or suffers a severe injury, such as loss of motion, sight or limb.
Learn More About Accidental Loss of Life and Severe Injury Benefits
Discover how our Accidental Loss of Life and Severe Injury Benefits can support your employees in this video.
Why Employees Need Accidental Loss of Life and Severe Injury Benefits
Accidental Loss of Life and Severe Injury Benefits apply wherever covered accidents happen, whether at home or on the road. Workers’ Compensation only covers work-related accidents. Along with life, disability and critical illness benefits, this coverage can help round out a comprehensive benefits package. Access to a full range of protection solutions can help attract and retain top employees.
What Accidental Loss of Life and Severe Injury Benefits Cover
Accidental Loss of Life and Severe Injury Benefits cover accidents that result in a loss of life, limb, eyesight, hearing, speech, paralysis and more. A plan may include coverage for employees only or employees and dependents and typically provides 24-hour coverage no matter where a covered accident occurs, whether at work, home or away for:
- Muerte
- Loss of speech
- Pérdida de la audición
- Loss of a hand, foot or sight
- Loss of thumb and index finger on either hand
- Loss of movement
Accidental Loss of Life and Severe Injury Benefits from The Hartford offer flexible options:
- Benefits are payable for losses which occur within 365 days of the covered accident.
- Plans are available on an employer-paid, voluntary and standalone basis.
Choose from a variety of options, including high coverage limits with no medical underwriting necessary.
Accidental Loss of Life and Severe Injury Benefits Are Flexible
In addition to our standard plan, there are enhanced and premium plan designs and services that can be customized to best suit the specific needs of each company.
The following optional benefits are also available:
- Accelerated Death Benefit
- Accident Hospital Income
- Adaptive Home and Vehicle Benefit
- Anti-Inflation Benefit
- Bereavement Counseling Benefit
- Child Education Benefit
- Coma Benefit
- Common Disaster Benefit
- Critical Burn Benefit
- Day Care Benefit
- Funeral Expense Benefit
- HIV Occupational Accident Benefit
- Loss of Use Benefit
- Newborn Coverage
- Newlywed Coverage
- Paralysis Benefit
- Permanent Total Disability
- Rehabilitation Benefit
Get the facts about Accidental Loss of Life and Severe Injury Benefits from The Hartford’s Employee Choice Benefits.SM
What Employees Get With Accidental Loss of Life and Severe Injury Benefits
We go beyond the benefit with a variety of value-added employee services to help make the difficult times a little bit easier:
- Ability Assist® – Provides confidential support for emotional, legal and financial issues.1
- HealthChampionSM – Offers unlimited access to benefit specialists and nurses for administrative and clinical support to address medical care and claims concerns.1
5759u NS 06/23
Accident Form Series includes GBD-1000, GBD-1300, GBD-3300, GBD-3500 or state equivalent.
1 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. Visite https://www.thehartford.com/employee-benefits/value-added-services
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.