Business Travel Accident - Standard Programs

 

 

The Hartford offers a variety of programs to help meet the needs of a wide-range of groups.  An employer can choose from the standard program below or receive a customized program to help suit the needs of the group.

 

Standard Program – Designed for groups with 10-500 insured lives.  This program is a good compliment to an existing Life/AD&D and/or Disability program.  Includes simplified pricing guidelines, and the following plan design:

Class 1 - All Active Full-Time Employees of the Policyholder earning $80,000 or
more annually domiciled in the U.S.

Class 2 - All Active Full-Time Employees of the Policyholder earning less than
$80,000 annually domiciled in the U.S.

Class 1 - C-12 Hazard (Business Travel Only) - $250,000 benefit
Class 2 - C-12 Hazard (Business Travel Only) - $100,000 benefit

Aggregate Limit = $1,250,000

Benefit Reduction Schedule -
Standard: 65% @ age 70, 45% @ age 75, 30% @ age 80, 15% @ age 85

Enhancements Include:
Extraordinary Commutation
Hijacking/Skyjacking
Personal Deviation/Sojourn
Permanent Total Disability
Paralysis Benefit
Adaptive Home & Vehicle
Bereavement Counseling
Coma
Rehabilitation
Seat Belt
Air Bag
Therapeutic Counseling

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

 

Customized Program – use the Request for Proposal form attached to request a tailored plan for a group of any size.

 

Notes:
1.  Coverage for policyholder owned, operated, chartered, or leased aircraft is not included in the Standard program, but is available at an additional cost.
2.  Coverage for removal of the War Risk exclusion requires approval and pricing from underwriting.
3.  Groups with international exposure should use the Customized Program when requesting a proposal.
4.  Provisions, Hazards, Benefits, and Exclusions are subject to state availability.
5.  All policies are written based on an existing employer-to-employee relationship.  Some states allow coverage for guests and non-employees including, but not limited to, Board of Directors and Trustees.  If coverage is desired for a group where an employer-employee relationship does not exist, inquire with your Hartford representative around other available options.

 

 

 

 

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.