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Short term disability
Long term disability
Short term - 9 to 52 weeks, depending on the size of the group
Long term - 5 years, or until retirement age
Short term - 1, 8, 15 or 30 days
Long term - 7, 14, 30, 60, 90 and 180 days
Short term - 50% to 67% of your weekly income, up to $2,000
Long term - 50% to 67% of your monthly income, up to $10,000
|Individual credit||Not offered|
|Available states||All 50 states and DC|
|Simplified issue||Not offered|
Katia Iervasi is a lead writer and spokesperson at NerdWallet and a former editor at Finder, specializing in insurance. Her writing and analysis on life, disability and health insurance has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. She holds a BA in communication from Australia's Griffith University.
The Hartford leads the group disability insurance market in the US — and for good reason. The coverage is often portable, and its policies include features other insurers charge for, like a survivor income benefit.
But the limits are on the lower side. If you’re a high-income earner, it’s worth investing in an individual policy by comparing disability insurance companies.
Policy details vary between employers. Your coverage may include the following benefits:
Typically, riders on a group policy are determined by your employer. But The Hartford offers a couple of added-value services to policyholders who suffer a disability:
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The Hartford isn’t accredited by the Better Business Bureau (BBB), but it’s earned an A+ rating for its customer interaction, as of October 2020. The BBB has recorded 115 complaints over the past three years, which is relatively high for an insurance company — though most of the complaints apply to the auto insurance department.
To get a better idea of how The Hartford treats its disability insurance policyholders, we referred to the National Association of Insurance Commissioners (NAIC). The insurer has a complaint ratio of 0.32. This is well below the national average of 1, which means The Hartford has received fewer complaints than many of its competitors.
Since The Hartford offers disability insurance through the workplace, you’ll need to ask your employer if your company participates. If so, your HR team should be able to guide you through the application process.
The Hartford is not currently available on Finder
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