Employer Logo
  

Life & Disability Insurance

 

Connecticut Paid FML and Disability Insurance

Complementary benefits, not replacements.

Learn more about our private Paid Family & Medical Leave coverage here.

UPDATE: How The Hartford is handling the potential impact of the coronavirus.

CBIA Health Connections offers employer-sponsored life and disability insurance through The Hartford.

Now, in addition to these benefits, we offer voluntary life and disability products. These employee-paid products provide a great opportunity to add value to your benefits program without impacting your bottom line. Many of these benefits also include additional features like Ability Assist, Beneficiary Assist, Estate Guidance, Healthcare Support Services, ID Theft Recovery Service, Funeral Concierge Services, and Travel Assistance.

Here is our complete life and disability product offering. Download a PDF version of this page here.

2 to 9
eligible employees
10 to 50
eligible employees
51+
eligible employees
Life Products Life Products Life Products
Basic Life
  • Employer-sponsored
  • 75% participation
  • Flat amounts and earnings-based
    up to $50,000
Basic Life
  • Employer-sponsored
  • 75% participation
  • Flat amounts up to $50,000
  • Earnings-based up to $100,000 for 10 to 24 employees and $300,000 for 25 to 50 employees (guaranteed issue may apply)
Basic Life
  • Employer-sponsored
  • 75% participation
  • Flat amounts up to $100,000
  • Earnings-based up to $400,000
Supplemental Life
  • No participation requirement
  • Guaranteed issue to $100,000
Voluntary Life
  • Minimum 3 enrolled employees
  • Employee increments of $10,000; Guaranteed issue to $100,000
  • Spouse and child coverage available*
  • Modified open enrollment
Voluntary Life
  • Minimum 10 enrolled employees
  • Employee increments of $10,000;
    Guaranteed issue to $100,000
  • Spouse and child coverage available*
  • Modified open enrollment
Disability Products Disability Products Disability Products
STD
  • Employer-sponsored STD
    - 75% participation
    - No pre-existing conditions
  • Voluntary STD
    - Minimum 3 enrolled employees
    - 5 year age bands
STD
  • Employer-sponsored STD
    - 75% participation
    - No pre-existing conditions
  • Voluntary STD
    - Minimum 3 enrolled employees
    - 5 year age bands
STD
  • Employer-sponsored STD
    - 75% participation
    - No pre-existing conditions
  • Voluntary STD
    - Minimum 10 enrolled employees
    - 5 year age bands
LTD
  • Employer-sponsored LTD
    - 75% participation
    - FICA match included
  • Voluntary LTD
    - Minimum 3 enrolled employees
    - 5 year age bands
    - 2 year own occupation
LTD
  • Employer-sponsored LTD
    - 75% participation
    - FICA match included
  • Voluntary LTD
    - Minimum 3 enrolled employees
    - 5 year age bands
LTD
  • Employer-sponsored LTD
    - 75% participation
    - FICA match included
  • Voluntary LTD
    - Minimum 10 enrolled employees
    - 5 year age bands

 

 

* Children are eligible for life insurance until the end of the month following their 26th birthday. Employers should notify their employees to terminate their child life insurance coverage when they no longer have any children under age 26.