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Flexible Disability
Insurance Coverage

Help protect their income
and your bottom line

Short-term disability insurance helps protect the income of those who become ill or injured outside of work, and helps them get back to work faster.

DisabilityFLEX® is short-term disability insurance that can complement the benefits currently offered and can be customized to fit your specific business needs.

What’s Covered

Like most short-term disability plans, DisabilityFLEX covers all major injuries and illnesses that occur outside of work. But it also covers many incidences you might not expect, such as:

  • Rehab
  • Maternity leave
  • Runner's knee
  • Whiplash 
  • Surgery recovery
  • Bunion removal
  • Stress/anxiety disorders
  • Tendonitis
  • Herniated disks
  • Broken bones
  • Tennis elbow
  • Carpal tunnel syndrome

How It’s Flexible

DisabilityFLEX is customizable, affordable and easy to understand. DisabilityFLEX offers a weekly flat dollar amount between $100 and $2,000 paid directly to employees—instead of a percentage of their income.

DisabilityFLEX also offers employees customizable options. Employees select:

  • Start date
  • Benefit duration
  • Benefit amount that is most affordable for them

Since there are no offsets for other income benefits, the benefit amount they select is the amount they receive in the event of a disability.

Why It’s Valuable

Employers want to offer better benefits while still controlling costs.

100% employee-funded DisabilityFLEX allows employers to do both. Whether used to complement an existing benefits package or as a new stand-alone benefit, it offers attractive, affordable protection.

All this is available with affordable group rates, on a guaranteed issue1 basis, in addition to:

  • Annual open enrollment
  • Easy payroll deduction of premiums
  • Only 10 insured lives required for participation
  • A four-week benefit when pre-existing conditions apply
  • Clinical claims management through highly trained nurses—our intake nurses average 20 years of experience and are an employee’s first point of contact with The Hartford

Beyond the Benefit

You care about your employees. So do we. We go beyond the benefit with built-in, value-added employee services to support their recovery – at no extra cost to your clients or their employees.

  • Ability Assist®2—Confidential support for emotional, legal and financial issues
  • HealthChampionSM2—Offers unlimited access to benefit specialists and nurses for administrative and clinical support to address medical care and claims concerns.3


1 Benefits payable will be subject to the plan’s Pre-Existing Conditions Limitation.
2 Ability Assist® & Health ChampionSM services are 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. ComPsych is a registered trademark and Health Champion is a service mark of ComPsych Corporation.
3 HealthChampionSM specialists are only available during business hours. Inquirers outside of this timeframe can either request a call-back the next day or schedule an appointment.

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.

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Interactive eGuide

DisabilityFLEX eGuide

Learn more about our customizable coverage, DisabilityFLEX®, with this easy-to-understand guide.

DisabilityFLEX® eGuide

Why DisabilityFLEX®?

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