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If someone was injured, or if the claim is for a different kind of vehicle, call 800-243-5860 to file your claim. EMPLOYER/POLICYHOLDER INFORMATION Employer/Policyholder Name Policy Number The Hartford believes that core earnings provides investors with a valuable measure of the performance of the Companys ongoing businesses because it reveals trends in our insurance and financial services businesses that may be obscured by including the net effect of certain items. Loss (income) from limited partnerships and other alternative assets, Net investment income excluding limited partnerships and other alternative investments, Underlying combined ratio- If no one was injured, you can use this online form to report a claim for a car, truck, SUV or motor home. From income protection plans to a fast and easy claims process, we are here for you. There were no current accident year COVID-19 incurred losses in first quarter 2022 compared with $24 million in the first quarter 2021. More detailed financial information can be found in The Hartford's Investor Financial Supplement for March 31, 2022, and the first quarter 2022 Financial Results Presentation, both of which are available at https://ir.thehartford.com. Submit a Claim, Get Support Yes, we make it that easy. Annualized investment yield, excluding limited partnerships and other alternative investments 860-547-7413 Small Commercial underlying combined ratio of 85.9 improved by 2.4 points from first quarter 2021 driven primarily by COVID-19 losses incurred in first quarter 2021 and a lower expense ratio. JUST FOLLOW THESE STEPS: STEP 1 Review the list on the back of this page to determine if your health screening may be eligible for the benefit. Contact your Benefits Administrator for your Policy Number. With more than 200 years of expertise, The Hartford is widely recognized for its service excellence, sustainability practices, trust and integrity. The Hartford will refer your accommodation request to the LOA Accommodations team who will follow up accordingly. A reconciliation of the combined ratio to the underlying combined ratio before COVID-19 losses is set forth below. More information on the company and its financial performance is available at https://www.thehartford.com. First quarter 2022 core loss of $48 million decreased $12 million compared with first quarter 2021 core loss of $60 million primarily due to a loss of $8 million before tax in the 2021 period from the companys previously owned equity interest in Talcott Resolution and a higher tax benefit in the 2022 period for stock-based compensation, partially offset by an increase in interest expense. First quarter core earnings of $561 million, or $1.66 per diluted share, rose 176% from first quarter 2021. The Company provides this measure to enable investors to analyze the amount of the Company's net worth that is primarily attributable to the Company's business operations. How will I be paid? Because The Hartford's calculation of these measures may differ from similar measures used by other companies, investors should be careful when comparing The Hartford's non-GAAP financial measures to those of other companies. Net income margin, calculated by dividing net income by revenues, is the most directly comparable U.S. GAAP measure. Apart from excess mortality claims, the group life loss ratio increased primarily due to a higher loss ratio under group accidental death business. We'll send you an Identification Code so we can verify your identity. I am confident that the company has never been in a better position to grow, deliver on our goals and maximize value creation for our stakeholders., Net income available to common stockholders, Net income available to common stockholders per diluted share1, Net income available to common stockholders' return on equity (ROE)3, last 12-months, [1] Includes dilutive potential common shares; for net income available to common stockholders per diluted share, the numerator is net income less preferred dividends, [2] Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP); definitions of non-GAAP measures and reconciliations to their closest GAAP measures can be found in this news release under the heading Discussion of Non-GAAP Financial Measures, [3] Return on equity (ROE) is calculated based on last 12-months net income available to common stockholders and core earnings, respectively; for net income ROE, the denominator is common stockholders equity including AOCI; for core earnings ROE, the denominator is common stockholders equity excluding AOCI, The Hartford defines increases or decreases greater than or equal to 200%, or changes from a net gain to a net loss position, or vice versa, as "NM" or not meaningful. Core earnings per diluted share A reconciliation of the loss and loss adjustment expense ratio to the underlying loss and loss adjustment expense ratio before COVID-19 losses is set forth below. Our benefits can go a long way in helping attract and keep top talent. Media Contacts: If you have a communicable disease or are out on a Workers Compensation leave, you must report to your local Occupational Health office to be cleared prior to returning to work. 860-547-6233 THE HARTFORD FINANCIAL SERVICES GROUP, INC. Benefits, losses, and loss adjustment expenses, Insurance operating costs and other expenses, Net Income (loss) available to common stockholders, Adjustments to reconcile net income (loss) available to common stockholders to core earnings (losses), Net realized losses (gains), excluded from core earnings, before tax, Integration and other non-recurring M&A costs, before tax, Net income (loss) available to common stockholders, Change in deferred gain on retroactive reinsurance, before tax, DISCUSSION OF NON-GAAP FINANCIAL MEASURES. Annualized investment yield, before tax, excluding LPs*. Check the phone or e-mail you selected. Start a Claim Not Here to Start a Claim? Combined ratio is the most directly comparable GAAP measure. Lower net favorable PYD, with $3 million before tax of favorable PYD in first quarter of 2022 driven by auto liability reserve releases compared with $42 million of favorable PYD in first quarter 2021 that included higher reserve releases for auto liability and catastrophes. For additional security, we need to verify your identity before you can sign in to the account. The decrease in the expense ratio was driven by the impact of higher earned premium and incremental savings from the Hartford Next program, partially offset by higher technology costs and a decrease in the allowance for credit losses on premiums receivable in the 2021 period. 3. Business insurance costs vary in Lakeland, FL because each business is unique and has different needs. The call can be accessed via a live listen-only webcast or as a replay through the Investor Relations section of The Hartford's website at https://ir.thehartford.com. Our customers paid an average of $88 a month for general liability insurance and $70 a month for workers' compensation insurance. - This non-GAAP per share measure is calculated using the non-GAAP financial measure core earnings rather than the GAAP measure net income. Net income ROE for the trailing 12 months of 15.4% and core earnings ROE* for the same period of 14.8%. Commercial Lines first quarter combined ratio of 90.3 improved 19.4 points and the underlying combined ratio* of 88.3 improved 2.9 points compared with the prior year quarter. This application package is divided into four sections, as follows: Section I Employer's Statement - to be completed by the . You need to file a claim and you want to do it quickly and easily. the critical illness policy provides limited benefits for specified diseases only. Forward-looking statements can be identified by words such as anticipates, intends, plans, seeks, believes, estimates, expects, projects, and similar references to future periods. We sent a one-time security code to to your configured email address. Excess mortality losses were $96 million before tax in first quarter 2022 compared with $185 million in first quarter 2021. The changes to loss reserves upon acquisition of a business are also excluded from underlying underwriting gain (loss) because such changes could obscure the ability to compare results in periods after the acquisition to results of periods prior to the acquisition as such trends are valuable to our investors' ability to assess the Company's financial performance. Financial and other important information regarding The Hartford is routinely accessible through and posted on our website at https://ir.thehartford.com. endstream endobj 317 0 obj <>stream buyout premiums). Adjustments to reconcile net income to underwriting gain, Adjustments to reconcile underwriting gain (loss) to underlying underwriting gain, Adjustments to reconcile underwriting gain to underlying underwriting gain, Adjustments to reconcile net income to underwriting gain (loss). Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. The increase was primarily due to: Net investment income was flat in first quarter 2022 compared with the prior year period as greater income from limited partnerships and other alternative investments (LPs) and the effect of a higher level of invested assets was offset by a lower yield on fixed maturities resulting from reinvesting at lower rates during the 2021 calendar year. A reconciliation of net income (loss) to underlying underwriting gain (loss) for individual reporting segments for the quarterly periods ended March 31, 2022 and 2021, is set forth below. The Company provides to investors return on equity measures based on its non-GAAP core earnings financial measure for the reasons set forth in the core earnings definition. Core earnings per diluted share should not be considered as a substitute for net income (loss) available to common stockholders per diluted common share and does not reflect the overall profitability of the Company's business. endstream endobj 315 0 obj <>stream Our employee benefits programs help support the lives and incomes of more than 12 million working Americans. After you report to Occupational Health, they will then follow up with the LOA Accommodations team regarding your return to work date. Restructuring and other costs - Costs incurred as part of a restructuring plan are not a recurring operating expense of the business. A reconciliation of consolidated net income (loss) ROE to Consolidated Core earnings ROE is set forth below. authorized representative. First quarter 2022 written premiums of $2.8 billion were up 12% from first quarter 2021, reflecting higher policy count retention across all lines, new business premium growth in small commercial, the effect of renewal written price increases across all lines and higher audit and endorsement premiums from a larger exposure base, including due to higher payrolls. The Hartford is a leader in property and casualty insurance, group benefits and mutual funds. employee 192. The underlying loss and loss adjustment expense ratio before COVID-19 losses is an important measure of the trend in profitability since it removes the impact of volatile and unpredictable catastrophe losses, prior accident year reserve development and COVID-19 incurred losses. This non-GAAP financial measure of the loss and loss adjustment expense ratio for Commercial Lines represents the loss and loss adjustment expense ratio before catastrophes, prior accident year development and COVID-19 incurred losses. endstream endobj 316 0 obj <>stream under no circumstances shall we be liable to you or any third party on account of any claim, loss or damage (whether based upon principles of contract, warranty, misrepresentation, negligence or other tort, breach of any statutory duty, principles of indemnity, the failure of any limited remedy to achieve its essential purpose, or otherwise . How Else Can We Help You? Browse our network of workers comp doctors. hTj0W$R@)cfS(bo? Choose how you want to receive or enter your security code. * Customer reviews are collected and tabulated by The Hartford and not representative of all customers. A $94 million, before tax, decrease in CAY CAT losses, net of reinsurance, with first quarter 2022 losses including $27 million from the Ukraine conflict with the remainder from tornado, wind and hail events in the Southeast and winter storms along the East Coast. We'll send an identification code to your email or mobile The Company believes that core earnings margin provides investors with a valuable measure of the performance of Group Benefits because it reveals trends in the business that may be obscured by the effect of buyouts and realized gains (losses) as well as other items excluded in the calculation of core earnings. Risks Relating to Economic, Political and Global Market Conditions: Insurance Industry and Product-Related Risks: Financial Strength, Credit and Counterparty Risks: Risks Relating to Estimates, Assumptions and Valuations: First quarter 2022 net income available to common stockholders of $440 million ($1.30 per diluted share) increased 80% from the 2021 period, and core earnings* of $561 million (core earnings per diluted share* of $1.66) were up 176% from the prior year quarter. Core earnings margin The company does not have any investments with exposure in Belarus or Ukraine. Certain realized gains and losses - Some realized gains and losses are primarily driven by investment decisions and external economic developments, the nature and timing of which are unrelated to the insurance and underwriting aspects of our business. && %9)vv P Employers may purchase Paid Family Leave insurance for their employees. The system will prompt you for the rest. I'm not sure It's okay - you can call us at (866)547-4205 for assistance, or follow the prompts in the claim form. Do not check if you are on a public or shared computer. Our employee benefits programs help support the lives and incomes of more than 12 million working Americans. Underwriting gain (loss) is a before tax non-GAAP measure that represents earned premiums less incurred losses, loss adjustment expenses and underwriting expenses. Integration and other non-recurring M&A costs - These costs, including transaction costs incurred in connection with an acquired business, are incurred over a short period of time and do not represent an ongoing operating expense of the business. . Didn't receive a code? 1 star. We'll send you an Identification Code so we can so we can verify your identity. Submit a return to work note from your medical provider that clearly indicates whether your return is with or without restrictions to the LOA Accommodations team via e-mail at. We solemnly swear not to clog your inbox. A quantitative reconciliation of net income ROE to core earnings ROE is not calculable on a forward-looking basis because it is not possible to provide a reliable forecast of realized capital gains and losses, which typically vary substantially from period to period. susan.spivak@thehartford.com. The Hartford uses non-GAAP financial measures in this press release to assist investors in analyzing the company's operating performance for the periods presented herein. The Hartford is off to a strong start in 2022 delivering a trailing 12-month core earnings ROE of 14.8%. -This non-GAAP measure is the amount of net investment income, on a Consolidated, P&C or Group Benefits level earned from invested assets, excluding the net investment income related to limited partnerships and other alternative investments. The Hartford (NYSE: HIG) today announced financial results for the quarter ended March 31, 2022. Option Details. If/when ESL is exhausted, team members are permitted to draw from their PTO drawing first from PTO FT Status Bank (if available) and then PTO True Balance (not to go below 80 hours), then PTO Drawdown Bank. Enter your policy numbers . Critical Illness/Specified Disease You or a covered dependent have been diagnosed with a serious illness. Subscribe to our weekly newsletter. Enter your policy numbers only, do not include any letters. SMS Email Use my authenticator app NextCancel Enter security code For additional security, we need to verify your identity before you can sign in to the account. The Company believes underlying underwriting gain (loss) is important to understand the Companys periodic earnings because the volatile and unpredictable nature (i.e., the timing and amount) of catastrophes and prior accident year reserve development could obscure underwriting trends. THE CRITICAL ILLNESS POLICY PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY. This non-GAAP financial measure of underwriting results represents the combined ratio before catastrophes, prior accident year development and current accident year change in loss reserves upon acquisition of a business. i;U*P*2JGBJR Solutions for every need: short-term, long-term, employer-paid, voluntary. Insurance, income protection, personalized services whatever you need, the Bucks got your back. Underwriting gain (loss) The changes to loss reserves upon acquisition of a business are excluded from underlying combined ratio because such changes could obscure the ability to compare results in periods after the acquisition to results of periods prior to the acquisition as such trends are valuable to our investors' ability to assess the Company's financial performance. 25 0 obj <> endobj 49 0 obj <>/Encrypt 26 0 R/Filter/FlateDecode/ID[<9449A312FB3F4288A1BDB40EE62221DA><4E239AEA51FE45EB89565951F176C0F9>]/Index[25 44]/Info 24 0 R/Length 105/Prev 249676/Root 27 0 R/Size 69/Type/XRef/W[1 2 1]>>stream Report a Claim. B((e9$-q:Rx!"N If documentation is not provided within 15 days, the leave may be denied. h222S0PwqH)BDKP5/9?%3/pqsO ( MAQ.I You Can. Its quick and easy to start your claim online. Employees are the most important part of a business. Personal Lines core earnings of $84 million decreased by $47 million due to: Combined ratio of 90.4 in first quarter 2022 increased 7.3 points relative to first quarter 2021, primarily due to lower net favorable PYD and a higher underlying combined ratio, partially offset by lower CAY CAT losses. Preferred stock dividends are a cost of financing more akin to interest expense on debt and are expected to be a recurring expense as long as the preferred stock is outstanding. The information you've entered is invalid, please try again. currentYear(); The Hartford believes, however, that some realized gains and losses are integrally related to our insurance operations, so core earnings includes net realized gains and losses such as net periodic settlements on credit derivatives. h2T0Pw/+Q0L)620)XTb;; ;* ^ Commercial Lines core earnings of $456 million in first quarter 2022 increased by $351 million from first quarter 2021, primarily from: Combined ratio was 90.3 in first quarter 2022, 19.4 points lower than 109.7 in first quarter 2021, primarily due to an 11.9 point change to net favorable PYD, 4.5 points of lower CAY CAT losses, and a 2.9 point improvement in the underlying combined ratio. An increase in homeowners primarily due to an increase in new business and the effect of written pricing increases, partially offset by slightly lower policy count retention. Favorable P&C prior accident year development (PYD) within core earnings of $33 million, before tax, in first quarter 2022, driven by reserve decreases in workers compensation, compared with $232 million of unfavorable PYD in first quarter 2021 that was primarily due to a reserve increase for general liability driven by the initial settlement with BSA on sexual abuse claims. The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company, under the brand name, The Hartford. A reduction in P&C current accident year (CAY) catastrophe (CAT) losses, net of reinsurance, to $98 million, before tax, in first quarter 2022, including $27 million from the Ukraine conflict, compared with $214 million in first quarter 2021. Net income available to common stockholders' ROE (net income ROE) was 15.4% for the twelve month period ending March 31, 2022. In Personal Lines, we are pleased with the performance and a combined ratio of 90.4. Net income (loss) available to common stockholders ROE. In this high impact role, the Financial Consultant will be a key member of the Claims Finance team, which oversees over $1 billion in expenses. Book value per diluted share (excluding AOCI) If a team member takes a leave intermittently or on a reduced work schedule basis in order to obtain planned medical treatment, the team member must, when requested, attempt to schedule the leave so as not to unduly disrupt HMHs operations. Net income (loss) and net income (loss) available to common stockholders are the most directly comparable U.S. GAAP measures to core earnings. A Group Retiree option that syncs with Medicare? During the quarter, The Hartford returned $530 million to shareholders, including $400 million of shares repurchased and $130 million in common stockholder dividends paid. [T8;C1&/lflJ)|)p)p9f+D5elADn"#%`'t/~GYO;@aQ8aQ1$0M`)##3QC#B0 &`c%o' @UURAC$WP6xB 11/27/2019. The Hartford Let's Talk Instead. Fully insured ongoing premiums were up 5%, compared with first quarter 2021, driven by an increase in exposure on existing accounts and strong persistency. You are about to be logged out due to inactivity. The $96 million of excess mortality losses in the first quarter of 2022 included $122 million of losses with dates of loss in the first quarter and a $26 net decrease of estimated losses from prior incurral years. Net income of $42 million in first quarter 2022 decreased from $47 million in first quarter 2021, largely due to a change from net realized gains to net realized losses related to investments in funds seeded by the company, partially offset by higher fee income. Text {#maskedTwoFactorSMS} Core earnings ROE is calculated by dividing (a) the non-GAAP measure core earnings for the prior four fiscal quarters by (b) the non-GAAP measure average common stockholders' equity, excluding AOCI. - This non-GAAP measure of underwriting profitability represents underwriting gain (loss) before current accident year catastrophes, PYD and current accident year change in loss reserves upon acquisition of a business. This is a one-time use code and there is no reason to save it. Notify your leader to coordinate your return to work. Tough times call for hard-working benefits thatll help get you through it. Resend. michelle.loxton@thehartford.com A. Log In The Hartford's Future of Benefits Study 2 stars. Get details and documents to help guide your clients every step of the way. On April 2, 2022, Virginia's governor signed legislation allowing private Family Leave Insurance in Virginia. The underlying loss and loss adjustment expense ratio was flat as an increase in severity was offset by lower frequency of weather claims and the effect of earned pricing increases. 3YBgqI. matthew.sturdevant@thehartford.com, Investor Contact: The Hartford Announces First Quarter 2022 Financial Results, Annualized investment yield, excluding limited partnerships and other alternative investments, Net investment income, excluding limited partnerships and other alternative investments, Underlying loss and loss adjustment expense ratio before COVID-19 losses-. Forward-looking statements are based on management's current expectations and assumptions regarding future economic, competitive, legislative and other developments and their potential effect upon The Hartford Financial Services Group, Inc. and its subsidiaries (collectively, the "Company" or "The Hartford"). 4)If you are enrolled for any other group coverage through The Hartford for which benefits may be available as a result of the covered event, please submit the appropriate claim(s). Michelle Loxton LimelightPlayerUtil.initEmbed('limelight_player_494383'); Once you've entered the information below, it should take about 5-10 minutes to complete your claim. Please note that we have hidden parts of your contact information for security reasons. You must call 30 days in advance of the leave, if possible . Risks Relating to Economic, Political and Global Market Conditions: challenges related to the Companys current operating environment, including global political, economic and market conditions, and the effect of financial market disruptions, economic downturns, changes in trade regulation including tariffs and other barriers or other potentially adverse macroeconomic developments on the demand for our products and returns in our investment portfolios; market risks associated with our business, including changes in credit spreads, equity prices, interest rates, inflation rate, foreign currency exchange rates and market volatility; the impact on our investment portfolio if our investment portfolio is concentrated in any particular segment of the economy; the impacts of changing climate and weather patterns on our businesses, operations and investment portfolio including on claims, demand and pricing of our products, the availability and cost of reinsurance, our modeling data used to evaluate and manage risks of catastrophes and severe weather events, the value of our investment portfolios and credit risk with reinsurers and other counterparties; the risks associated with the discontinuance of the London Inter-Bank Offered Rate ("LIBOR") on the securities we hold or may have issued, other financial instruments and any other assets and liabilities whose value is tied to LIBOR; Insurance Industry and Product-Related Risks: the possibility of unfavorable loss development, including with respect to long-tailed exposures; the significant uncertainties that limit our ability to estimate the ultimate reserves necessary for asbestos and environmental claims; the possibility of another pandemic, civil unrest, earthquake, or other natural or man-made disaster that may adversely affect our businesses; weather and other natural physical events, including the intensity and frequency of thunderstorms, tornadoes, hail, wildfires, flooding, winter storms, hurricanes and tropical storms, as well as climate change and its potential impact on weather patterns; the possible occurrence of terrorist attacks and the Companys inability to contain its exposure as a result of, among other factors, the inability to exclude coverage for terrorist attacks from workers' compensation policies and limitations on reinsurance coverage from the federal government under applicable laws; the Companys ability to effectively price its property and casualty policies, including its ability to obtain regulatory consents to pricing actions or to non-renewal or withdrawal of certain product lines; actions by competitors that may be larger or have greater financial resources than we do; technological changes, including usage-based methods of determining premiums, advancements in automotive safety features, the development of autonomous vehicles, and platforms that facilitate ride sharing; the Company's ability to market, distribute and provide insurance products and investment advisory services through current and future distribution channels and advisory firms; the uncertain effects of emerging claim and coverage issues; political instability, politically motivated violence or civil unrest, may increase the frequency and severity of insured losses; Financial Strength, Credit and Counterparty Risks: risks to our business, financial position, prospects and results associated with negative rating actions or downgrades in the Companys financial strength and credit ratings or negative rating actions or downgrades relating to our investments; capital requirements which are subject to many factors, including many that are outside the Companys control, such as National Association of Insurance Commissioners ("NAIC") risk based capital formulas, rating agency capital models, Funds at Lloyd's and Solvency Capital Requirement, which can in turn affect our credit and financial strength ratings, cost of capital, regulatory compliance and other aspects of our business and results; losses due to nonperformance or defaults by others, including credit risk with counterparties associated with investments, derivatives, premiums receivable, reinsurance recoverables and indemnifications provided by third parties in connection with previous dispositions; the potential for losses due to our reinsurers' unwillingness or inability to meet their obligations under reinsurance contracts and the availability, pricing and adequacy of reinsurance to protect the Company against losses; state and international regulatory limitations on the ability of the Company and certain of its subsidiaries to declare and pay dividends; Risks Relating to Estimates, Assumptions and Valuations: risk associated with the use of analytical models in making decisions in key areas such as underwriting, pricing, capital management, reserving, investments, reinsurance and catastrophe risk management; the potential for differing interpretations of the methodologies, estimations and assumptions that underlie the Companys fair value estimates for its investments and the evaluation of intent-to-sell impairments and allowance for credit losses on available-for-sale securities and mortgage loans; the potential for impairments of our goodwill; Strategic and Operational Risks: the Companys ability to maintain the availability of its systems and safeguard the security of its data in the event of a disaster, cyber or other information security incident or other unanticipated event; the potential for difficulties arising from outsourcing and similar third-party relationships; the risks, challenges and uncertainties associated with capital management plans, expense reduction initiatives and other actions; risks associated with acquisitions and divestitures, including the challenges of integrating acquired companies or businesses, which may result in our inability to achieve the anticipated benefits and synergies and may result in unintended consequences; difficulty in attracting and retaining talented and qualified personnel, including key employees, such as executives, managers and employees with strong technological, analytical and other specialized skills; the Companys ability to protect its intellectual property and defend against claims of infringement; Regulatory and Legal Risks: the cost and other potential effects of increased federal, state and international regulatory and legislative developments, including those that could adversely impact the demand for the Companys products, operating costs and required capital levels; unfavorable judicial or legislative developments; the impact of changes in federal, state or foreign tax laws; regulatory requirements that could delay, deter or prevent a takeover attempt that stockholders might consider in their best interests; and the impact of potential changes in accounting principles and related financial reporting requirements.

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