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Stand-Alone AD&D Accident - Specialized Plans

Forms & Brochures

The Hartford has developed special programs to help meet the unique needs of various professional, healthcare, public, and education groups. These programs provides 24-hour coverage, no matter where a covered accident occurs, whether at work, home, or away. It applies in the event of a covered injury, paralysis or death resulting from a covered accident, with plenty of choices within its terms.

Benefits are payable for losses that occur within 365 days of the covered accident.
Plans are available on an employer-paid, voluntary, and stand-alone basis.

For additional details, please refer to the brochures attached, reach out to your local Hartford representative, or Contact Us.

Exclusions and limitations include full alcohol, policyholder aircraft, and standard age reduction schedule.
*Please note that in some situations, some benefits may contain benefit maximum limitations – please contact your Hartford representative for details.

Physician/Healthcare Groups

Doctors, dentists, nurses and other health care professionals are on the frontline in protecting our health.

Standard Plan Benefits
This plan offers a principal sum up to $750,000, a 50/40/10/15 Family Plan – no minimum participation is required.
Adaptive home and vehicle
Child education
Coma
Conversion privilege
Day care
Dependent child dismemberment
Rehabilitation
Seat belt and air bag
Spouse education
Therapeutic counseling

Deluxe Plan Benefits
This plan offers up to $1,000,000 principal sum. In addition to the standard plan benefits, this plan includes:
Accelerated death
Bereavement counseling
Common disaster benefit
Critical burn
Extended care facility
Felonious assault
Funeral expense
HIV occupational accident
Paralysis
Permanent total disability
Repatriation
Traumatic brain injury

Public Sector and Education Groups

Government, law enforcement and education employees can encounter risk while en route to their jobs or other destinations.

Notes:

1. Air Craft AD&D Coverage - Coverage for policyholder owned, operated, chartered, or leased aircraft is available at an additional cost.
2. War Risk AD&D Coverage - Coverage for removal of the War Risk exclusion requires approval and pricing from underwriting.
3. Groups with international exposure will require additional data needs.
4. Provisions, Hazards, Benefits, and Exclusions are subject to state availability.

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. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, 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. This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability.