WHAT DOES LOOK LIKE? - The Hartford

Insurance and Retirement Solutionsfor Healthcare OrganizationsWHAT DOESof protectionLOOK LIKE?

• WORKERS’ COMPENSATION • PROPERTY • AUTO • MANAGEMENT LIABILITY • DISABILITY • RETIREMENT • WORKERS’ COMPENSATION • PROPERTY • AUTO • MANAGEMENT LIABILITY • DISABILITY • RETIREMENTEXACTLYWHATYOUWANT IT TO.The protective and healing benefits of the aloe vera plant were discoveredas early as 2200 B.C. To this day, both Western and Eastern medicine usealoe vera to treat skin conditions, stomach ailments and more.

IT’S COMPREHENSIVE.IT’S CUSTOMIZABLE.IT’S 360° OF PROTECTIONFROM THE HARTFORD — ANDIT’S DESIGNED FOR HEALTHCAREFACILITIES LIKE YOURS.

OF PROTECTIONYOU’RE MANAGING RISKAT A HEALTHCARE FACILITY.And that means you’re continually adapting tochanges in your workplace and in the industry.You need insurance and financial solutions thatare innovative, thorough and trusted.One company offers a vast array of solutions to fit yourneeds. The Hartford. We’ve designed customizableproducts 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 tocreate coverage specific to healthcare organizations. Andwe’ve continued to lead the way with forward-thinking,innovative solutions for the industry. Here’s justa sampling of the breakthrough coverages we offer:• Needlestick Injury Reimbursement. We providespecialized claims-handling for needlesticks and othersharps injuries, including reimbursement for initial bloodtesting of the source patient.• Pay-as-you-go Workers’ Compensation. We help youmanage your cash flow and mitigate audit surprisesby basing your premium payments on actual, notestimated, payroll — one pay period at a time.• Specialized Management Liability. Our Private ChoiceEncore® for Healthcare Organizations offers coveragefor directors and officers, employment practices,fiduciary liability, kidnap & ransom, and crime.• Tailored Group Benefits. A top provider of Group Life,Disability and Accident insurance, The Hartford hastailored benefit solutions for physicians and healthcarefacilities since the 1950s.• 457 and 401(a) Retirement Plans. We provide a fullspectrum of defined contribution retirement programswith no proprietary fund requirements and availablesocially responsive and faith-based funds.In addition to these coverages, The Hartford works withyou as a true partner — providing access to a wide arrayof professionals, continuing education, on-site trainingand much more.And with offerings that include everything from propertyand casualty insurance to group benefits and retirementprograms, we offer one of the widest product selectionsin the industry. It’s true 360° coverage for you, youremployees and your facility.2

One trusted company.A customizable solution.In business since 1810, The Hartford has been makingWHO CAN TAKEADVANTAGE OF THEHARTFORD’S 360°OF PROTECTION?promises, keeping commitments and delivering qualityservice for over 200 years. We’re proud to say that this isthe 4th consecutive year that we’ve been named one of theWorld’s Most Ethical Companies by Ethisphere Institute.PROVIDERSINPATIENT HEALTHCARE • OUTPATIENT HEALTHCAREPreventative CareDoctor’s OfficesLaboratoriesOutpatient TreatmentHome HealthcareIndependent LivingAssisted LivingRespite CareSkilled Nursing CareHospitalsHospice CareThis long history extends to healthcare providers. Sinceour founding as a company, we’ve helped thousands ofhealthcare facilities and providers protect their propertyand their people. It is this depth of experience that hasenabled us to create coverage for healthcare organizationsthat is comprehensive, customizable and leading-edge.That’s why we call it 360° of protection. And it’s onlyavailable from The Hartford. Keep reading to view ourcomplete list of insurance and financial services solutions.3

OF PROTECTIONProperty & Casualty InsuranceOur property & casualty insurance coverages, tailored for the healthcare services industry, help protect healthcareorganizations of any size with standard and specialty coverages. For larger healthcare organizations, The Hartfordcan design a customized loss-sensitive insurance program that includes tailored coverages, risk-financing plansand risk-control services.INSURANCECOVERAGE 1THE HARTFORD OFFERSWorkers’CompensationComprehensive coverage• Broad form endorsements protect against certain unknown and unanticipatedexposures not covered by a standard policy• Basic option, automatically included at no extra cost, includes employer’sliability stopgap for monopolistic states and voluntary compensation• Extended option, available for a small additional charge, includes increasedlimits for employer’s liability, foreign voluntary compensation and UnitedStates Longshore and Harborworkers’ (USL&H) coverageRisk management services• Specialized claims-handling for needlestick and other sharps injuries, which includesreimbursement for initial blood testing of the source patient• Loss control services, including an accredited industrial hygiene laboratory staffed bycertified industrial hygienists and chemists• Team·Work® return-to-work program to help get injured employees back on the jobas soon as medically appropriate• Pharmacy benefit management for claim-related medications at nearly 53,000network pharmacies, with no out-of-pocket cost for employees• Preferred medical provider networks for access to more than 500,000 healthcareproviders at negotiated rates• Nurse case managers for lost-time and medically complex claims• Claim fraud investigators that have saved Hartford customers thousands of dollars inunwarranted claims• @venture® risk management information system, available at no extra charge toinpatient facilities, designed to help allocate risk management resources where theycan have the greatest impactPayroll billing option• Offered at no extra cost, premium payments based on actual payroll, timed to howoften the organization runs payroll4

INSURANCECOVERAGE 1THE HARTFORD OFFERSPropertyProperty Choice® with Healthcare Facilities SPICE® has easy-to-read policy layout,including table of contents with coverages, limits and page numbersSpectrum® Business Owner’s Policy includes property and business liability insurance onone policy and bill for smaller outpatient healthcare practicesGreen Choice® coverage, automatically included at no extra cost, provides additional$100,000 to repair/rebuild buildings according to green building guidelines in the eventof lossAdditional 25% limit (up to $500,000) for losses above scheduled policy limits forbuildings and business personal propertyCommunicable Disease Contamination coverage pays for clean up, restoration orreplacement of contaminated buildings or property, as well as resulting businessincome loss, when a government health authority issues an order about an outbreakof a specific diseaseMandated Decontamination coverage pays to clean up, restore or replace coveredproperty, as well as resulting business income loss, to comply with an ordinance or lawthat requires the insured to clean up pollutants after a covered cause of lossCondemnation of Undamaged Stock coverage pays for visibly undamaged drugs,biologicals, medical devices or medical supplies that have been condemned by agovernment authority as a result of a covered cause of lossRadioactive Contamination coverage pays for loss or damage to property resulting fromsudden and accidental radioactive contamination or resulting radiation damageResident or Patient Emergency Evacuation coverage is triggered by potential harm toresidents or patients when the premises are threatened by a covered cause of lossResident or Patient Personal Effects coverage pays for the theft of, or damage to, thepersonal property of residents or patients, other than money or securitiesCommercialAutomobileCoverage for accidents involving vehicles (other than ambulances) owned by healthcareorganizations, including vehicles used to shuttle patients to and from the facility forscheduled procedures, tests and appointmentsBroad form endorsement includes coverage enhancements that may be especiallyvaluable to healthcare organizations:• Hybrid payment. Pays an additional 10% of actual cash value (up to $2,500) if anon-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 thedifference 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 ACV5

OF PROTECTIONINSURANCECOVERAGE 1THE HARTFORD OFFERSGeneralLiabilityGeneral Liability Choice® provides broad liability coverage for bodily injury and propertydamage arising from healthcare organizations’ premises and operations (excludes thedelivery of healthcare services)Optional CyberFlex endorsement extends personal & advertising liability coverage tohealthcare organizations’ websitesNot available for inpatient facilitiesCommercialUmbrellaUp to $25 million policy limitsComprehensive, worldwide catastrophic liability coverageNot available for inpatient facilitiesCyber LiabilityThe Hartford’s CyberChoice® suite of policies offers coverage options for:• Identity Theft• Third-Party Liability Coverage for data privacy, network security liability andInternet liability• Expense Coverage for notification expenses, crisis management expenses, dataprivacy regulatory expenses, credit monitoring expensesLimits 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 privacywrongful 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 employmentDirectors andOfficers (D&O)LiabilityCoverage for everyday management and business decisions made by the directors,officers and management of healthcare facilities, available through The Hartford’s PrivateChoice Encore for Healthcare OrganizationsCoverage for claims arising out of peer review and credentialing decisions madeby the organizationCoverage for costs arising out of HIPAA/HITECH, EMTALA, Excess Benefits and certainIRC violations where insurable by law (sublimit may apply)Available antitrust coverage for qualifying risks6Optional defense coverage available for investigations and claims arising out ofgovernmental funding

INSURANCETHE HARTFORD OFFERSCOVERAGE 1 7EmploymentPractices Liability(EPL)Comprehensive coverage for employment-related wrongful acts, including wrongfulterminations, retaliation, discrimination, sexual harassment and other workplace torts,available through The Hartford’s Private Choice Encore for Healthcare OrganizationsAvailable coverage for discrimination and harassment claims brought by third parties,such as patients, visitors or other business invitees of the organization24/7 access to our Risk Management Help Line provided by Jackson Lewis LLC, one ofthe largest law firms in the country devoted exclusively to the practice of employment,labor, employee benefits and immigration lawFiduciary LiabilityCoverage for claims that arise from the administration and oversight of pensions,profit sharing and other employee benefit plans provided to employees and retireesof healthcare organizations, available through The Hartford’s Private Choice Encore forHealthcare OrganizationsCrimeCoverage to protect healthcare organizations 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 premisesLimits up to $500,000 written in The Hartford’s Bond Center on CrimeSHIELD®. Limitsover $500,000 written in Hartford Financial Products 2 on The Hartford’s Private ChoiceEncore for Healthcare Organizations or on The Hartford’s CrimeShield SM Advanced PolicyThird-party, client premises coverage available for home healthcare exposuresPrimary or Excess coverage offeredKidnap &RansomFor protection of healthcare organization employees, at home and whiletraveling abroad, available through The Hartford’s Private Choice Encore forHealthcare OrganizationsBondVarious commercial surety bonds, such as Patient Trust Fund Bonds and License& Permit Bonds, are available through Hartford Bond 3 for those entities with CPApreparedfinancial statements reflecting strong financialsERISAERISA Fidelity Bond to address compliance coverage for fraud or dishonestyUp to $3 million bond limit available through Hartford Bond1. 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.

Group BenefitsOF PROTECTIONA top seller of Group Life, Disability and Accident insurance, 4 The Hartford has been tailoring benefit solutionsfor physicians and outpatient and inpatient facilities since the 1950s, and specializing in physician coverage since1992. Controlling costs while providing a benefits package that attracts and retains quality employees is a vitalconsideration for healthcare facilities. The Hartford responds with specialized solutions for physicians (bothinpatient and outpatient) and innovative services to help reduce costly errors and reduce administrative burden,while increasing productivity. On average, The Hartford’s Short-term Disability (STD) claim durations for HealthServices were 33% shorter than that industry’s average duration. 5 And we offer absence management trackingon every level from workers’ compensation to family medical leave.INSURANCECOVERAGETHE HARTFORD OFFERSGroup Lifeand AccidentalDeath &DismembermentAvailable coverage up to a specified amount without medical underwriting 6Living benefit option as much as 80% up to $500,000 7Value-added services such as estate guidance and funeral planningContinuation of coverage when employment endsGroup Disability— STD & LTDBoth Short-term Disability (STD) and Long-term Disability (LTD) include bothemployer-paid and voluntary options, return-to-work incentives and professionalcoordinators as well as rehabilitation programsSTD 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 weeksLTD plans focus on productivity, financially encouraging employees who want to work• Comprehensive Disability definition satisfies the Elimination Period with a loss of dutiesonly, while recurrent disability language helps encourage return-to-work attempts• Return-to-work incentives that increase overall replacement income• Rehabilitation assistance with Family care credit• Value-added features like Ability Assist®, which provides emotional, legal andfinancial counseling 8IntegratedBenefitsFacilities that offer The Hartford’s Short- and Long-term Disability and Life plansbenefit from:• A seamless transition between STD and LTD and Life Premium Waiver, with theBasic and Supplemental Life Premium Waiver Elimination Period matching the LTDElimination Period8• Continuation of Basic and Supplemental Life coverage at group rates while anemployee is receiving LTD and earning 20% to 80% of predisability earnings

INSURANCECOVERAGETHE HARTFORD OFFERSSpecializedDisability Contractfor PhysiciansSpecialized contract to address physicians’ unique duties, income flow and financialprotection needsOwn specialty (including subspecialty) definition of occupationAccess to higher maximums and guaranteed issue amountsIndexing at 5% per year of Predisability Earnings helps protect the claimant’s eligibility forbenefits and can increase benefits under the Proportionate Loss return-to-work incentiveOptional LTD provisions, such as a business protection benefit and infectious andcontagious disease benefit, 9 that support the needs of the groupPension Contribution Benefit option helps protect an employee’s retirement income bypaying an additional benefit directly to his/her pension plan or a deferred annuityBusiness TravelAccidentBusiness Travel Accident benefit offers:• Up to $1 million payment as a lump-sum benefit regardless of the physician’s othercoverage; 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 servicesAdditional benefits that can add real value:• HIV • Permanent Total Disability • RehabilitationVoluntaryBenefitsDisability income, life and accident insurance protection for employees with shared orno cost to the employerHartford voluntary enrollment consultants can customize enrollment to an employer’semployee profile and discuss underwriting optionsOn-site support available to give employees an overview of their insurance benefits inplain English or SpanishIntegrated end-to-end enrollment services, including 24/7 call center support,self-service reporting, and eligibility and beneficiary data managementEvidence of insurability (EOI) handled online; typically, 90% of our online EOI applicantsreceive a real-time decision of approval/denial 104. LIMRA’s U.S. Group Disability and Life Sales Report Summary, full-year results for 2010: #1 in LTD, #2 in STD, #1 in AD&D, and #4 in Life sales.5. Based on most recent (full year 2008) Integrated Benefits Institute’s Short-term Disability duration benchmarks for Health Services Industry SIC Codes(80xx); based on an elimination period of up to two weeks.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

OF PROTECTIONINSURANCECOVERAGETHE HARTFORD OFFERSGroup RetireeHealthA 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 preventativecare and at-home recovery servicesCovers retirees, their spouses, widow(er)s and domestic partners who are age 65+ andentitled to MedicareA variety of prescription drug options to fit retirees’ needsMultiple billing payment and timing options10

Retirement PlansA top 5 provider of 457 retirement plans, 11 The Hartford has served defined contribution clients since 1970.Recognized for our ethics, customer service and participant education programs, our broad range of adaptableretirement programs can meet a variety of healthcare organizations’ plan needs.RETIREMENTPROGRAMTHE HARTFORD OFFERS457 and401(a) PlansFull spectrum of defined contribution retirement programs that serve plans of all sizes• Open investment architecture, with no proprietary fund requirements and availablesocially responsive and faith-based funds• Among the industry’s only providers to offer three suites of Target Date funds• Lifestyle (risk-based) and lifecycle (age-based) investment options• Ability to move account balances from Fixed Account to Variable/Funds without5/10 year restriction• Fiduciary Assure SM , optional independent third-party co-fiduciary service providesinvestment selection and monitoring at no additional cost to plan sponsors 12• Automatic pricing adjustments 13 to meet the needs of healthcare organizationsas they grow• 401(a) plans available in combination with 457 plansExceptional sponsor and participant services• Defined contribution consultants provide technical insight to optimal plan design• Transition team provides a seamless process for plans moving to The Hartford• 21 PLANSPONSOR “Best in Class” awards for sponsor and participant services 14• Recognized by Pensions & Investments magazine and Profit-Sharing/401k Councilof America with 25 awards from 2008–2010Award-winning participant education programs — in person, in print and online —help drive employee comprehension and plan participation• Hartford representatives can work on-site and one-to-one with participants• Model My Goals SM asset allocation models for the “do-it-for-me” participant• Bilingual participant education and enrollment specialists• Service center with licensed representatives provide participant support11. Most Frequently Used 457 Plan Managers by Assets, Cerulli Quantitative Update, Retirement Markets, 2008.12. Program may be subject to Broker/Dealer firm approval and/or state availability; certain products do not allow co-fiduciary service.13. Automatic pricing adjustments not available on all programs.14. PLANSPONSOR Defined Contribution Survey, November 2010.11

Services & SupportOF PROTECTIONCustomer focus is one of The Hartford’s key values. We listen to our customers and deliver innovative solutionsand extraordinary service.SERVICETHE HARTFORD OFFERSDecision-MakingSupportUnderwritingServiceRiskManagementServiceClaims ServiceDedicated to providing healthcare organizations with top-notch assistance in each andevery step of the insurance and financial services decision-making processKnowledgeable, industry-experienced underwriters to help guide solutionsBroad range of consultative services and continuing education in the areas of lossprevention, wellness, leave management, absence management and return-to-work24/7 claims reportingSpecialized claims-handlers for specific coveragesExperienced claims handlersFor More InformationSpecialized coverages that address the current, ever-changing needs of healthcare organizations.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 organization, please e-mailDavid Grinblatas at david.grinblatas@thehartford.com. You can also contact your Hartford agent,benefits consultant or representative.12

The Hartford® is The Hartford Financial ServicesGroup, Inc. and its subsidiaries, including issuingcompanies Hartford Fire Insurance Companyand its property and casualty affiliates, Hartford,CT, and Hartford Life Insurance Company andHartford Life and Accident Insurance Company,Simsbury, CT. All non-property and casualtypolicies sold in New York are underwritten byHartford Life Insurance Company. All coveragesand benefits are subject to the terms andconditions of the issued policy. Policies mustbe examined carefully to determine suitabilityfor your needs, exclusions, limitations, and otherterms and conditions that affect coverage orgovern policy continuation. In the event of adiscrepancy between this brochure and theissued policy, the terms of the policy shall apply.Complete details of individual plan benefits maybe found in the Certificate of Insurance issuedto each insured individual and the Master Policyas issued to the policyholder. Coverages andbenefits are subject to underwriting and stateavailability. Possession of these materials bya licensed insurance producer does not meanthat such producer is an authorized agent ofThe Hartford. To ascertain whether a produceris a Hartford agent, please contact your state’sDepartment of Insurance or The Hartford.Retirement Programs can be funded by groupfixed or variable annuity products and fundingagreements issued by Hartford Life InsuranceCompany (Simsbury, CT). Group variablecontracts are underwritten and distributed byHSD, where applicable. Retirement programscan also invest in mutual funds throughcustodial accounts.Before investing, you should carefully considerthe investment objectives, risks, charges andexpenses of the mutual funds or The Hartford’sgroup variable annuity products and fundingagreements, and their underlying funds.For fund and product prospectuses and/or adisclosure document containing this and otherinformation, contact your financial professionalor visit our website. Read them carefully.NOT FOR USE WITH PARTICIPANTSNOT INSURED BY FDIC OR ANYFEDERAL GOVERNMENT AGENCY.MAY LOSEVALUE.NOT A DEPOSIT OF OR GUARANTEEDBY ANY BANK OR ANY BANK AFFILIATE.FDICBANKwww.thehartford.com

With The Hartford Behind You,Achieve What’s Ahead of You.®www.thehartford.comSIPS 107942, Printed in U.S.A. © September 2011, The HartfordFinancial Services Group, Inc., Hartford, CT 06155. All Rights Reserved.All information and representations herein are as of September 2011.