Insurance and Group Benefits for Healthcare Facilities

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The protective and healing benefits of the aloe vera plant were discovered as early as 2200 B.C. To this day, both Western and eastern medicine use

aloe vera to treat skin conditions, stomach ailments and more.

IT’S CoMPReHeNSIve. IT’S CUSToMIzABLe.

IT’S 360° oF PRoTeCTIoN FRoM THe HARTFoRD — AND

IT’S DeSIGNeD FoR HeALTHCARe FACILITIeS LIke YoURS.

oF PRoTeCTIoN

one company offers a vast array of solutions to fit your needs. The Hartford. We’ve designed customizable products created with healthcare facilities in mind. The result? You get 360° of protection for your facility. From one provider.

Anticipating your needs. Speaking your language.The Hartford was one of the first national carriers to create coverage specific to healthcare facilities. And we’ve continued to lead the way with forward-thinking, innovative solutions for the industry. Here’s just a sampling of the breakthrough coverages we offer:

• needlestick. Provides specialized claims-handling for needlesticks and other sharps injuries, including reimbursement for initial blood testing of the source patient.

• Pay-as-you-go Workers’ Compensation. Helps you manage your cash flow and mitigate audit surprises by basing your premium payments on actual, not estimated, payroll — one pay period at a time.

• Specialized Management Liability. offers coverage for directors and officers, employment practices, fiduciary liability, kidnap & ransom, and crime.

• Tailored Group Benefits. Top provider of Group Life, Disability and Accident insurance. We have been customizing benefit solutions for physicians and healthcare facilities since the 1950s.

In addition to these coverages, The Hartford works with you as a true partner — providing access to a wide array of professionals, continuing education, on-site training, and much more.

And with offerings that include everything from property and casualty insurance to group benefits, we offer one of the widest product selections in the industry. It’s true

360° coverage for you, your employees and your facility.

And that means you’re continually adapting to changes in your workplace and in the industry. You need insurance and group benefit solutions that are innovative, thorough and trusted.

You’re ManaGinG riSk aT a heaLThCare faCiLiTY.

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One trusted company. A customizable solution.In business since 1810, The Hartford has been making promises, keeping commitments and delivering quality service for over 200 years. We’re proud to say that this is the 5th consecutive year that we’ve been named one of the World’s Most ethical Companies by ethisphereTM Institute.

This long history extends to healthcare providers. For decades, we’ve helped thousands of healthcare facilities and providers protect their property and their people. It is this depth of experience that has enabled us to create coverage for healthcare facilities that is comprehensive, customizable and leading-edge.

That’s why we call it 360° of protection. And it’s only available from The Hartford. keep reading to view our complete list of insurance solutions.

*The Hartford only offers loss sensitive policies for home healthcare facilities.

Who Can Take advanTaGe of The

harTford’S 360° of ProTeCTion?

Preventative Care

Doctor’s and Dentist’s offices

Laboratories

outpatient Treatment

Home Healthcare*

Independent Living

Assisted Living

Respite Care

Skilled Nursing Care

Hospitals

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Property & Casualty Insurance

our property & casualty insurance coverages, tailored for the healthcare services industry, help protect healthcare facilities of any size with standard and specialty coverages. For larger healthcare facilities, The Hartford can design a customized loss-sensitive insurance program that includes customized coverages, risk-financing plans and risk-control services.

Insurance The harTford offersCoverage 1

Comprehensive coverage

• Broad form endorsements to protect against certain unknown and unanticipated exposures not typically covered by a standard policy

• Basic option, automatically included at no extra cost, includes employers liability stopgap for monopolistic states and voluntary compensation

• extended option, available for an additional charge, includes increased limits for employers liability, foreign voluntary compensation and United States Longshore and Harborworkers’ Compensation Act (USL&H)

risk management services

• Specialized claims-handling for needlestick and other sharps injuries, which includes reimbursement for initial blood testing of the source patient

• Loss control services, including an accredited industrial hygiene laboratory staffed by certified industrial hygienists and chemists

• Team·Work® return-to-work program helps get injured employees back on the job as soon as medically appropriate

• Pharmacy benefit management for claim-related medications at nearly 53,000 network pharmacies, and mail-order capability, with no out-of-pocket cost for employees

• Preferred medical provider networks for access to more than 500,000 healthcare providers nationally at negotiated rates

• nurse case managers for lost-time and medically complex claims

• Claim fraud investigators that have saved Hartford customers thousands of dollars in unfounded or unwarranted claims

• @venture® risk management information system, available at no extra charge to inpatient facilities, helps allocate risk management resources where they can have the greatest impact

Payroll billing option

• offered at no extra cost, premium payments based on actual payroll, timed to your facility’s payroll

Workers’ Compensation

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Insurance The harTford offersCoverage 1

Property

Commercial automobile

Property Choice® with SPiCe® has easy-to-read policy layout, including table of contents with coverages, limits and page numbers

Includes $100,000 in “green” coverage

Spectrum® Business owner’s Policy includes property and business liability insurance on one policy and bill for smaller outpatient healthcare facilities

additional 25% limit (up to $500,000) for losses above scheduled policy limits for buildings and business personal property

Communicable disease Contamination coverage pays for clean up, restoration or replacement of contaminated buildings or property, as well as resulting business income loss, when a government health authority issues an order about an outbreak of a specific disease

Mandated decontamination coverage pays to clean up, restore or replace covered property, as well as resulting business income loss, to comply with an ordinance or law that requires the insured to clean up pollutants after a covered cause of loss

Condemnation of undamaged Stock coverage pays for visibly undamaged drugs, biologicals, medical devices or medical supplies that have been condemned by a government authority as a result of a covered cause of loss

radioactive Contamination coverage pays for loss or damage to property resulting from sudden and accidental radioactive contamination or resulting radiation damage

resident or Patient emergency evacuation coverage is triggered by potential harm to residents or patients when the premises are threatened by a covered cause of loss

resident or Patient Personal effects coverage pays for the theft of, or damage to, the personal property of residents or patients, other than money or securities

Coverage for accidents involving vehicles (other than ambulances) owned, leased or rented by healthcare facilities, including vehicles used to shuttle patients to and from the facility for scheduled procedures, tests and appointments

Broad form endorsement includes coverage enhancements that may be especially valuable to healthcare facilities

• hybrid payment. Pays an additional 10% of actual cash value (up to $2,500) if a non-hybrid auto is a total loss and is replaced by a hybrid auto within 60 days

• Lease or loan gap. As long as physical damage coverage is purchased, pays the difference between the outstanding lease or loan balance and actual cash value (ACv) if the auto is a total loss and the outstanding balance is greater than ACv

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Insurance The harTford offersCoverage 1

General Liability

Commercial umbrella

Cyber Liability

directors and officers (d&o) Liability

general Liability Choice® provides broad liability coverage for bodily injury and property damage arising from healthcare facilities’ premises and operations (excludes the delivery of healthcare services)

optional Cyberflex endorsement extends personal & advertising liability coverage to healthcare facilities’ websites

Not available for inpatient facilities

Up to $25 million policy limits

Comprehensive, catastrophic liability coverage

Not available for inpatient facilities

The Hartford’s CyberChoice® suite of policies offers coverage options for:

• identity Theft

• Third-Party Liability Coverage for data privacy, network security liability and Internet liability

• expense Coverage for notification expenses, crisis management expenses, data privacy regulatory expenses, credit monitoring expenses

Limits up to $10 million may be available for:

• Mobile devices, such as laptops, thumb drives and back-up tapes

• Bodily injury carve-back for mental anguish directly resulting from a data privacy wrongful act or e-media wrongful act

• Loss directly resulting from an inadvertent transmission of malicious code

• Where insurable, HIPAA and HITeCH fines and penalties

• Intentional acts of rogue employees acting outside their scope of employment

Coverage for everyday management and business decisions made by the directors, officers and management of healthcare facilities, available through The Hartford’s Private Choice encore® for Healthcare Facilities

Coverage for claims arising out of peer review and credentialing decisions made by the facility

Coverage for costs arising out of hiPaa/hiTeCh, eMTaLa, excess Benefits and certain irC violations where insurable by law (sublimit may apply)

Available antitrust coverage for qualifying risks

optional defense coverage available for investigations and claims arising out of governmental funding

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employment Practices Liability (ePL)

fiduciary Liability

Crime

kidnap & ransom

Bond

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Comprehensive coverage for employment-related wrongful acts, including wrongful terminations, retaliation, discrimination, sexual harassment, and other workplace torts

Available coverage for discrimination and harassment claims brought by third parties, such as patients, visitors or other business invitees of the facility

24/7 access to our risk Management help Line provided by Jackson Lewis LLP, one of the largest law firms in the country devoted exclusively to the practice of employment, labor, employee benefits and immigration law

Coverage for claims that arise from the administration and oversight of pensions and other employee benefit plans provided to employees and retirees of healthcare facilities

Coverage to protect healthcare facilities against loss from:

• employee theft and other related exposures such as computer fraud and forgery

• Theft, disappearance and destruction, as well as robbery and safe burglary, inside the premises

• Theft, disappearance and destruction, as well as actual or attempted robbery, outside the premises

Limits up to $500,000 written in The Hartford’s Bond Center on CrimeShieLd®. Limits over $500,000 written in Hartford Financial Products2 on The Hartford’s Private Choice encore for Healthcare Facilities or on The Hartford’s CrimeShieldSM advanced Policy

Third-party, client premises coverage available for home healthcare exposures

Primary or excess coverage offered

For protection of healthcare facility employees, at home and while traveling to certain countries abroad

various commercial surety bonds, such as Patient Trust Fund Bonds and License & Permit Bonds, are available through Hartford Bond3 for those entities with CPA-prepared financial statements reflecting strong financials

eriSa fidelity Bond to address compliance coverage for fraud or dishonesty

Up to $3 million bond limit available through Hartford Bond

1. Some coverages may not be available in all states.

2. Hartford Financial Products is an underwriting unit of The Hartford.

3. Hartford Bond is an underwriting unit of The Hartford.

Insurance The harTford offersCoverage 1

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Group Life

accidental death & dismemberment (ad&d)

Group disability — STd & LTd

Group Benefits A top seller of Group Life, Disability and Accident insurance,4 The Hartford has been meeting employer benefit needs for more than 60 years. our tailored solutions and innovative services help reduce costly errors and administrative burdens, while increasing productivity. For example, The Hartford offers absence management tracking on every level from workers’ compensation to family medical leave. our Short-term Disability (STD) claim durations, on average, are 12 days shorter than the industry average.5 In today’s economy, controlling costs while providing a benefits package that attracts and retains quality employees can be vital to an employer’s bottom line.

Insurance The harTford offersCoverage

employer and employee (voluntary) paid options (see also voluntary Benefits)

Available coverage up to a specified amount without medical underwriting6

Waiver of Premium option in the event of a total disability

Continuation of coverage when employment ends through a conversion and/or portability offering

Living benefit option as much as 80% up to $500,0007

value-added services such as travel assistance, identity theft services, estate guidance, and funeral planning

Group and Standalone ad&d insurance 24-hour worldwide business and pleasure protection; available as part of the Group Life policy or as a Standalone policy

• Provides partial payments for accidental losses other than loss of life • AD&D amount is based on the severity of the loss • Rider ‘packages’ or customized options available

Both Short-term Disability (STD) and Long-term Disability (LTD) include both employer-paid and voluntary options, return-to-work incentives and professional coordinators as well as rehabilitation programs

STd plans include three work incentive options plus flexible features:

• Weekly benefits up to 70% of an employee’s lost income

• Waiting periods for accident and sickness of one to 30 days

• Maximum benefit durations of 13, 26 and 52 weeks

LTd plans focus on productivity, financially encouraging employees who want to work:

• Comprehensive disability definition satisfies the elimination Period with a loss of duties only, while recurrent disability language helps encourage return-to-work attempts

• return-to-work incentives that increase overall replacement income

• rehabilitation assistance with care credit

• value-added features like Ability Assist®, which provides emotional, legal and financial counseling8

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Insurance The harTford offersCoverage

integrated Benefits

Specialized disability Contract for Physicians

Business Travel accident

Facilities that offer The Hartford’s Short- and Long-term Disability and Life plans benefit from:

• A seamless transition between STD and LTD and Life Premium Waiver, with the Basic and Supplemental Life Premium Waiver elimination Period matching the LTD elimination Period

• Continuation of Basic and Supplemental Life coverage at group rates while an employee is receiving LTD and earning 20% to 80% of predisability earnings

Specialized contract to address physicians’ unique duties, income flow and financial protection needs

own specialty (including subspecialty) definition of occupation

Access to higher maximums and guaranteed issue amounts

indexing at 5% per year of Predisability earnings helps protect the claimant’s eligibility for benefits and can increase benefits under the Proportionate Loss return-to-work incentive

optional LTD provisions, such as a business protection benefit and infectious and contagious disease benefit,9 that support the needs of the group

Pension Contribution Benefit option helps protect an employee’s retirement income by paying an additional benefit directly to his/her pension plan or a deferred annuity

Business Travel accident benefit offers:

• up to $1 million payment as a lump-sum benefit regardless of the physician’s other coverage; up to $100,000 for staff

• 24-hour protection, with benefits payable for losses that occur within 365 days of accident

• Full range of coverage options plus emergency travel assistance and other services

additional benefits that can add real value:

• HIv • Permanent Total Disability • Rehabilitation

4. LIMRA’s U.S. Group Disability and Life Sales Report Summary, full-year results for 2011: #1 in new AD&D sales, #4 in new combined fully insured Disability sales, and #5 in Group Life sales.

5. The Hartford’s Group Benefits Claims department internal data as of 12/31/10 compared to most recent (2008) Integrated Benefits Institute’s Short-term Disability industry duration benchmarks.

6. Assumes employee enrolls when first eligible to do so. Late enrollments and higher amounts of coverage require medical underwriting.

7. Receipt of accelerated benefits may be taxable. Seek assistance from a qualified tax advisor for more information.

8. Ability Assist® is offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services.

9. May not be available in all states.

10. The Hartford, Internal Service Performance Metrics, as of March 31, 2010.9

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Insurance The harTford offersCoverage

voluntary Benefits

Group retiree health

Disability income, life and AD&D insurance protection for employees with shared or no cost to the employer

Hartford voluntary enrollment consultants can customize enrollment to an employer’s employee profile

Guarantee-issue options and real-time decision notification with online eoi

on-site support available to give employees an overview of their insurance benefits in plain english or Spanish

Flexible end-to-end enrollment services, including 24/7 call center support, self-service reporting, and eligibility and beneficiary data management

Consumer and broker education that outlines the value of voluntary solutions and integrates with our analytical capabilities to help optimize enrollment results

dedicated and local account support

a fully-insured program that works with Medicare to cover many of the deductibles, co-payments and out-of-pocket expenses that Medicare doesn’t cover, like preventative care and at-home recovery services

Covers retirees, their spouses, widow(er)s and domestic partners who are age 65+ and entitled to Medicare

• A variety of prescription drug options to fit retirees’ needs

• Multiple billing payment and timing options

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underwriting Service

risk Management Service

Claims Service

knowledgeable and dedicated, industry-experienced underwriters

Broad range of consultative services and educational opportunities in the areas of loss prevention, wellness, leave management, absence management, and return-to-work

24/7 claims reporting

Specialized claims-handlers for specific coverages

experienced claim and legal assistance can help achieve the best outcomes even in the most difficult claims

Networks for medical providers, pharmaceutical providers and medical case management

Services & Support Customer focus is one of The Hartford’s key values. We listen to our customers so that we can deliver innovative solutions and extraordinary service.

serviCe The harTford offers

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For More InformationSpecialized coverages that address the current, ever-changing needs of healthcare facilities. one of the

broadest and most comprehensive selections of standard coverage in the industry. Put them together

and you’ve got 360° of protection.

To learn how you can get 360° of protection for your healthcare facility, please e-mail David Grinblatas

at david.grinblatas@thehartford.com. You can also contact your Hartford agent, benefits consultant or

representative.

www.thehartford.com

With The Hartford Behind You, Achieve What’s Ahead of You.®

SIPS 107942 Rev Printed in U.S.A. © September 2012, The Hartford Financial Services Group, Inc., Hartford, CT 06155. All Rights Reserved. All information and representations herein are as of September 2012.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Fire Insurance Company and its property and casualty affiliates, Hartford, CT, and Hartford Life Insurance Company and Hartford Life and Accident Insurance Company, Simsbury, CT. All non-property and casualty policies sold in New York are underwritten by Hartford Life Insurance Company. All property and casualty coverages described in this document may be offered by one or more property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. All coverages and benefits are subject to the terms and conditions of the issued policy. In the event of a conflict with this document, the terms and conditions of the policy prevail. 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 guide explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. Policies must be examined carefully to determine suitability for your needs, exclusions, limitations, and other terms and conditions that affect coverage or govern policy continuation. In the event of a discrepancy between this brochure and the issued policy, the terms of the policy shall apply. Complete details of individual plan benefits may be found in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Coverages and benefits are subject to underwriting and state availability. Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain whether a producer is a Hartford agent, please contact your state’s Department of Insurance or The Hartford at 1-888-203-3823.