Complimentary Services

• Identity Protection Support
• Travel Assistance
• Beneficiary Assistance

Identity Protection Support

Everyone’s identity is potentially at risk. Identity theft is one of the fastest growing crimes in the United States today and has been the top consumer complaint received by the FTC for the seventh year in a row.¹

To protect our policyholders, The Hartford has added Identity Protection Support, provided by Trilegiant Corporation, to all Business Travel Accident policies at no additional charge. All eligible employees are covered 24/7 – even while at home!

Recovering your identity can be overwhelming as well as costly, but the Hartford’s Identity Protection Support Service will provide the necessary assistance to cover all of the groundwork. Our Identity Protection Support Service offers an array of identity fraud services to help victims restore their identity.

Benefits Include:

• A toll-free number for professional fraud support 24 hours a day.
• Access to a certified personal caseworker who follows the case until it is resolved.
• Overnight delivery of a personalized fraud resolution kit with instructions and resources for identity theft victims.
• Access to emergency cash, travel planning, and message relay services.

Trilegiant will assist in:

• Contacting the three major credit reporting agencies to put a fraud alert on your credit files.
• Notifying any companies where you maintain accounts that are affected by fraud.
• Filing disputes regarding any inaccurate information in your credit report with the appropriate credit reporting agencies.
• Alerting the United States Postal Service should you suspect someone has filed a change of address for you or has used the mail system to commit theft.
• Contacting your local bank if you believe your checks have been stolen or forged.
• Alerting the Social Security Administration if you suspect that someone has fraudulently used your Social Security number.
• Contacting the Securities and Exchange Commission if you have reason to believe your investments were tampered with.
• Notifying the Internal Revenue Service if you suspect the identity theft is somehow connected to a tax violation.

This is a general description of the program. A more detailed explanation of the Identity Theft Support Service, including exclusions and limitations, is available through your Hartford sales contact.

¹ Consumer Fraud and Identity Theft Complaint Data January – December 2006, Federal Trade Commission, February 2007.

Travel Assistance

When you’re traveling, emergencies can occur.  Help is now only a phone call away with Europ Assistance USA - a 24 hour toll free emergency service that can help you access emergency assistance while you’re traveling 100 miles or more from your primary home for 90 days or less.  In addition to emergency services, you have access to a wide range of pre-trip informational services.  This service is available absolutely free as part of The Hartford’s Group Travel Plan.

What Is Europ Assistance?
Europ Assistance is there when a crisis strikes.  Multilingual service professionals stand ready to assist travelers before and during travel to over 200 countries worldwide.

Worldwide Assistance Services, Inc. is part of the Europ Assistance Group which:
þ  Has over 125 million covered members worldwide;
þ  Completes over 8,000 emergency medical transports worldwide each year;
þ  Handles over 36 million telephone calls each year (one call per second);
þ  Handles over 6 million cases in one year (1 case every 5 seconds);
þ  Employs over 400 medical professionals

What Services Are Offered?
Under Europ Assistance Services, you can receive three kinds of services - Emergency Medical Assistance, Emergency Personal Services, and Pre-Trip Information.

Emergency Medical Assistance

• Medical Referrals – Refers you to Physicians, dentists, and medical facilities worldwide.
• Medical Monitoring – During the course of a medical emergency, professional case managers, including physicians and nurses, will monitor your level of care and determine if further intervention, medical transportation or possibly repatriation is needed.
• Medical Evacuation – Transportation to the closest medical facility that can provide an appropriate level of care will be arranged and paid for if medically necessary.
• Repatriation – Transportation home for further medical treatment will be arranged and paid for if medically necessary.
• Traveling Companion Assistance – If traveling companion’s previously made travel arrangements are lost due to your hospitalization, new arrangements will be arranged and funded.
• Dependent Children Assistance – If, due to your hospitalization, your dependent children are left unattended, travel arrangements will be made and funded for their return home with a qualified escort if necessary.
• Visit by a Family Member or Friend – If you are traveling alone and are hospitalized for at least 7 consecutive days or are in critical condition, travel arrangements will be made and funded for a family member or friend to visit.
• Emergency Medical Payments – Advances funds to cover on-site medical expenses, upon satisfactory guarantee of reimbursement.
• Return of Mortal Remains – The proper return of remains for burial will be arranged and paid for in the event of death while traveling.
• Replacement of Medication and Eyeglasses – Your prescription or eyeglasses will be replaced if lost, stolen, or used up, subject to local law, whenever possible.  Payment for the prescription medication, eyeglasses or any shipping expense is your responsibility.

Emergency Personal Services:

• Sending and Receiving Emergency Messages - Emergency messages can be relayed to and from friends, relatives and business associates toll-free 24 hours a day, 7 days a week through the Worldwide Assistance Customer Service Center.
• Emergency Travel Arrangements – Makes new travel arrangements or changes airline, hotel and care rental reservations.
• Emergency Cash – Advances fund upon satisfactory guarantee of reimbursement.
• Locating Lost or Stolen Items – Assists in locating and replacing lost or stolen luggage, documents and personal possessions.
• Legal Assistance – Assists in locating an attorney.  Payment of attorney fees is your responsibility.
• Bail Advancement – Advances funds for bail, where permitted by law, upon satisfactory guarantee of reimbursement.
• Interpretation/Translation – Provides telephone translation or locates interpreter for all major languages.

Pre-Trip Information:

• VISA, Passport, Inoculation and Immunization Requirements
• Cultural Information
• Temperature and Weather Conditions
• Embassy and Consular Referrals
• Foreign Exchange Rates
• Travel Advisories
• International “Hot Spots”

Limitations
Europ Assistance USA services are eligible for payment or reimbursement by Europ Assistance only if Europ Assistance was contracted at the time of their service and arranged and/or pre-approved the service.
Europ Assistance does not provide services or pay for expenses caused by or resulting from certain situations, including suicide or attempted suicide, mental or emotional disorders unless hospitalized, war, participation in any military maneuver or training exercise, piloting an aircraft, commission of or the attempt to commit a criminal act, traveling to obtain medical services or treatment, being under the influence of drugs or intoxicants unless prescribed by a physician, pregnancy or childbirth (except for complications of pregnancy), injury or illness that can be treated locally and does not prevent the continuing of the trip, participation as a professional in athletics, and assistance not shown as covered.
Europ Assistance USA is not affiliated with The Hartford. Neither Europ Assistance USA, nor The Hartford are liable for negligence or other acts of omission by any recommended medical professionals, medical facilities, or legal counsel.

Founded in 1963, Europ Assistance USA stands ready 24/7 to help its customers by providing rapid, appropriate assistance to people in distress.

Beneficiary Assistance

After a loss, employees or their families may need help in dealing with complex personal issues. For example, those who have lost a working spouse can find themselves suddenly forced to assume new responsibilities and make difficult financial decisions.

To provide the support people need at a time of loss - in addition to a check - The Hartford offers Beneficiary Assist, a service that combines grief, financial and legal counseling. Beneficiary Assist is included with all group life and accident plans. Services are available to:

• Beneficiaries of an insured person who dies;
• Insured person who qualifies for benefits from a group accident policy because of accidental injury.

Beneficiary Assist services are provided by ComPsych , the largest provider of employee assistance programs, managed behavioral health, work/life, and crisis intervention services. ComPsych's clinical, legal, financial, and work/life experts are available 24 hours a day, 365 days a year.

• All counselors hold a master's or PhD degree in counseling and are licensed in the states in which they practice.
• Attorneys are licensed in their respective states.

Financial consultants are certified through the Institute of Certified Financial Planners.