Voluntary Long-term Disability Insurance

Voluntary Long-term Disability Insurance


Connect with an employee benefits representative to explore your Long-term Disability insurance options today.
Voluntary Long-term Disability Insurance

What Is Long-term Disability Insurance?

Long-term disability insurance (LTD) helps ensure employees continue to get a portion of their income when they’re absent from work for an extended period due to a covered disability. These absences may be a result of accidents, injuries or illnesses that happen on or off the job.
LTD is an important type of coverage for employees because their savings might not cover daily expenses if an illness or injury keeps them out of work beyond their paid sick days.
Income Protection Benefits Overview

Learn More About Income Protection Benefits

Discover how our Income Protection Benefits can support your employees in this video.

Why Employees Need Long-term Disability Insurance

Health insurance only covers medical bills. It won’t pay for groceries or rent. And Workers’ Compensation kicks in only in the event of a work-related injury or accident. Research shows that every second, a disabling injury changes someone’s life.1
  • One in four of today’s 20-year-olds can expect to be out of work for at least a year due to a disabling condition before they reach the normal retirement age.2
  • Without disability insurance, 50% of Americans say they would use their savings to help them pay for living expenses if they were unable to work due to an illness or injury.3
Our LTD insurance can help employees replace lost income due to a disabling injury or illness. But we go beyond the benefit with support to help employees maintain productivity and stay on the job. When an illness or injury happens, we offer resources that employees need to help them return to work as soon as they are reasonably able.

What Long-term Disability Insurance Covers

Long-term disability insurance covers injuries sustained inside or outside of work. Covered conditions include:
  • Fractures and sprains
  • Heart attack
  • Insolación
  • Coronary artery disease
  • Musculoskeletal injury and back pain
  • Scoliosis
  • Pneumonia
  • Pregnancy complications
  • Rheumatism

Flexible Long-term Disability Insurance for Businesses

Long-term disability insurance can give employees peace of mind when they’re unable to work due to a covered illness or injury. Businesses can customize their LTD policy to be a stand-alone plan, complement an employer-paid long-term disability plan or coordinate with a short-term disability plan to help ensure continuity of coverage. Benefits can include:
  • Up to 67% income loss protection
  • A definition of disability that allows employees to satisfy the elimination period with a loss of duties only
  • Waiver of premium
  • 100% return-to-work incentive
  • Workplace modification and family care credit
  • Access to Return-to-Work Coordinators – clinically trained, legally knowledgeable specialists with over 23 years of experience in the clinical field
Get the facts about LTD plans from The Hartford’s Employee Choice Benefits.SM
5759q NS 08/22
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.
1 National Safety Council®, Injury Facts®, 2020 Ed.
2 Social Security Administration, Disability and Death Probability Tables for Insured Workers Born in 1999 https://www.ssa.gov/oact/NOTES/ran6/an2020-6.pdf, Table A. (viewed on 7/22/22)
3 The New American Milestones (2020), Life Happens.org (viewed on 7/22/22)
4 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.
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.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.