I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 15, 2021

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With so many disability insurance options on the market, it can be hard to decide which is best for your needs. To help you out with that, we’ve whipped up this in-depth review of the Hartford.

Who is the Hartford?

the hartford stag logo

Hartford is one of the oldest and most reputable financial companies in the United States being founded in 1810. They offer a range of different insurance options with built-in features and riders to ensure you are getting the best care possible.

The Hartford has disability insurance options for individuals or businesses and has policies for short- and long-term disability plans. Their programs are extremely flexible and can be customized to fit any individual plan or group disability insurance plan through an employer.

The policies the Hartford offers help employers by providing their employees with reliable benefits to cover them financially in the occurrence of an off-the-job sickness or injury. A plan with the Hartford can be attractive in an employment environment and could increase the likelihood of employee satisfaction.

The Hartford has an excellent reputation of 4.8/5 and is one of the longest-running insurance providers in the United States. Most consumers have only positive opinions about their plan with the Hartford, whether they have a long- or short-term policy.

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What Disability Insurance Does The Hartford Offer?

The Hartford offers three main disability insurance plans which include short-term disability, long-term disability, and group disability insurance. The Hartford has many features in place to ensure you are truly getting the help you need. They work with employers to enable them to provide coverage to their employees.

Short-term Disability Insurance

The short-term option from Hartford helps employees during their time of need. The Hartford offers some of the best policies to help pay bills and personal expenses during their recovery from illness or injury. Since most plans are flexible, they can be changed to fit each situation uniquely.

Such extensive customization is hard to find, and the Hartford offers a level of service most companies can’t achieve.

Other types of insurance can cover the necessary medical costs like hospital or ambulance bills, but many workers are left without an income to pay for personal expenses. Short-term disability insurance from Hartford is the extra security you need in the event of an unexpected injury or illness.

Some examples of conditions or illnesses covered by Hartford’s short-terms disability include maternity leave, surgery recovery, broken bones, and many other conditions. The Hartford has an extensive list of conditions that are covered in their short- and long-term plans to ensure you can get help in your unfortunate situation.

Long-term Disability Insurance

Long-term policies from the Hartford make sure that employees are taken care of while suffering from a qualifying illness or injury. If an employee is unable to work for an extended period, they need an extra security net in place to be able to live comfortably while taking time off work.

Some of the conditions covered by the Hartford long-term disability insurance include heart attack, stroke, pneumonia, pregnancy complications, and many other conditions of equal severity.

How Much Does the Hartford Disability Insurance Cost?

On average, disability insurance from the Hartford costs 1 to 3 percent of your annual income. Since most plans from Hartford are flexible and vary by case, it is hard to make a correct assumption on the cost you will pay. For most consumers that have an annual income of $100,000, you can expect to pay $1,000 to $3,000 yearly for your plan.

In other cases, the cost can vary due to the plan being paid for by the employer, employee, or a group disability insurance plan. Although most of their policies will cost around the average in the United States, they pay more per person depending on which specific life insurance plan you have.

The Hartford has flexible funding options, and you can work with a representative from Hartford to find a plan that fits you perfectly.

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The Pros & Cons of Disability Insurance with the Hartford

There are many pros to working with Hartford for any disability insurance plan.

Pros

  • They offer some of the best short- and long-term disability insurance plans and have features and coverage options that most competitors do not have.
  • The Hartford offers plans that range from individual policies to providing coverage to a whole company with over 10,000 employees.
  • Since most policies from Hartford are flexible, they can be customized to fit each individual or company.
  • The cost of the Hartford is, on average, equal to most companies that offer disability insurance, but they go above and beyond by providing up to 10 percent more annual income coverage for short- and long-term plans compared to their competitors.
  • Most companies will limit their coverage to 50-60 percent of your yearly income, but the Hartford will cover some individuals up to almost 70 percent.

It is hard to come up with any cons that relate to Hartford but to name just one,

Cons

  • Some customers have reported issues with making claims, most of these claims are for short- and long-term disability due to mental illness.

Although this is a common complaint among every company, it is still worth mentioning.

Is the Hartford Disability Insurance for You?

To determine if disability insurance from the Hartford is for you, there are many factors that you need to look at and compare. Since Hartford has been operating since 1810 and has a profoundly positive reputation, it might be the best option for you.

The Hartford offers group disability insurance options or an individual plan for consumers that need a short- or long-term coverage option. They have some of the best rates and features in the industry.

Their policies cover up to 67 percent of your annual income, and in most cases that leaves them substantially above the average between competitors. Considering the price is about the same, and when factoring in the extra benefits the Hartford offers, it is hard not to pick them as a first choice.