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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. We solemnly swear not to clog your inbox. Section II Employee's Statement - to be completed by the . Results of discontinued operations - These results are excluded from core earnings for businesses sold or held for sale because such results could obscure the ability to compare period over period results for our ongoing businesses. Current accident year before catastrophes, Unfavorable (favorable) prior accident year development, Impact of catastrophes and PYD on combined ratio, [1] 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. Submit a Claim, Get Support Yes, we make it that easy. Email or fax at 1-848-245-8453 to process your return to work. Choose how you want to receive or enter your security code. 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. Eligibility for benefits during the leave, length of leave, and other conditions depend upon the circumstances of the leave and other qualifying factors. Call The Hartford at 1-888-924-4155 or log in/create an account at. For your security, you will be disconnected from this system if your computer is inactive for 15 minutes. Therefore, the Company believes that it is useful for investors to evaluate net income (loss) available to common stockholders per diluted common share and core earnings per diluted share when reviewing the Company's performance. A reduced schedule leave reduces an eligible team members usual number of working hours per workweek, or hours per workday. Disability & Leave Claims call 888-277-4767 Life & Accident (AD&D) Claims call 888-563-1124 A Critical Illness claim should be filed after a physician has diagnosed you or a covered dependent with a covered illness or after you or your dependent has undergone a health screening and is eligible for a wellness or health screening benefit. Therefore, The Hartford believes that it is useful for investors to evaluate net income (loss), net income (loss) available to common stockholders, and core earnings when reviewing the Companys performance. Therefore, the Company believes it is important for investors to evaluate both core earnings margin and net income margin when reviewing performance. An intermittent leave is taken in separate blocks of time due to a single illness or injury, and may include leave periods from an hour or more to several weeks. From time to time, The Hartford may use its website and/or social media outlets, such as Twitter and Facebook, to disseminate material company information. All benefits are subject to the terms and conditions of the policy. Written premiums in first quarter 2022 were $707 million compared with $715 million in first quarter 2021 primarily due to: Fully insured ongoing premiums (ex. Corporate Consolidated. The Hartford will discuss its first quarter 2022 financial results on a webcast at 9:00 a.m. EDT on Friday, April 29, 2022. The Hartford, The Hartford at Work group benefits from the Hartford. This is a one-time use code and there is no reason to save it. [,n\87..^;e-f]Er`'aS3|X*fyCyRN,k * C2=n|c6znnF>j!O:. ;U'|RjU$]sR%fzbu=VS O D*27'He]mS.ACcB6Q&1c"(19]Oifu oh\I1k KL! Attract, keep and help protect employees with industry-leading employee benefits solutions. Book value per diluted share is the most directly comparable U.S. GAAP measure. michelle.loxton@thehartford.com - This non-GAAP per share measure is calculated using the non-GAAP financial measure core earnings rather than the GAAP measure net income. The Hartford (NYSE: HIG) today announced financial results for the quarter ended March 31, 2022. Core earnings should not be considered as a substitute for net income (loss) or net income (loss) available to common stockholders and does not reflect the overall profitability of the Companys business. Commercial underwriting results were outstanding with expanding margin contributions from each business. 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 Core earnings of $8 million in first quarter 2022 improved from a loss of $3 million in first quarter 2021 primarily due to lower excess mortality losses in group life and the effect of higher fully insured ongoing premiums, partially offset by a higher loss ratio before considering excess mortality, higher operating expenses and modestly lower net investment income. We'll send you an Identification Code so we can so we can verify your identity. If someone was injured, or if the claim is for a different kind of vehicle, call 800-243-5860 to file your claim. Please update it now if it has changed. Our employee benefits programs help support the lives and incomes of more than 12 million working Americans. When should I file a claim? Solutions for every need: short-term, long-term, employer-paid, voluntary. Our customers paid an average of $88 a month for general liability insurance and $70 a month for workers' compensation insurance. Impact on annualized investment yield of limited partnerships and other alternative investments, before tax, Annualized investment yield excluding limited partnerships and other alternative investments, before tax. Loss on extinguishment of debt - Largely consisting of make-whole payments or tender premiums upon paying debt off before maturity, these losses are not a recurring operating expense of the business. Notify your leader to coordinate your return to work. Our benefits can go a long way in helping attract and keep top talent. Core earnings per diluted share per share1. Core earnings of $50 million increased from $45 million in first quarter 2021 as an increase in fee income, mostly attributable to higher daily average Hartford Funds AUM, and a higher tax benefit in the 2022 period for stock-based compensation was partially offset by higher variable expenses. The Company believes that excluding AOCI from the numerator is useful to investors because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates. e-mail addresses you have already provided to us. Contact Us; Privacy Policy; Legal Notice; Accessibility Statement; Feedback The Hartford 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. 1 star. Book value per diluted share (excluding AOCI)* of $51.42 as of March 31, 2022, increased from $50.86 at Dec. 31, 2021, as the impact from net income in excess of stockholder dividends during the first quarter of 2022 was partially offset by the dilutive effect of share repurchases. A decrease in the underlying combined ratio before COVID-19* losses of 1.8 points, including a lower expense ratio of 1.0 points and a lower underlying loss and loss adjustment expense ratio before COVID-19 losses of 0.8 points, driven by earned pricing exceeding loss trends in several lines. When you receive your 8-digit Identification Understand who to contact for specific leave-related questions, Download the Personal Disability Reference Guide. 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. plx%`0`PHT~ P!D@Oaf|\pBzEL@} ldr6IKu@I20I,: Group Benefits Claims, Team Leader The Hartford Jun 2020 - Present 2 years 10 months. Total disability loss ratio of 73.2% increased 4.8 points compared with first quarter 2021, primarily due to less favorable prior incurral year development on long-term disability as the 2021 period benefitted from low incidence levels from earlier in the pandemic. 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. We'll send you an Identification Code so we can verify your identity. Manage my business policy, bills and claims, get certificates and submit audits. Discover how The Hartford goes beyond claims for customers. Underwriting profitability over time is also greatly influenced by The Hartford's underwriting discipline, as management strives to manage exposure to loss through favorable risk selection and diversification, effective management of claims, use of reinsurance and its ability to manage its expenses. - The Hartford's management evaluates profitability of the Commercial and Personal Lines segments primarily on the basis of underwriting gain or loss. Contact your Benefits Administrator for your Policy Number. Daily average AUM of $150 billion in first quarter 2022 rose 5% from first quarter 2021 driven by net inflows and an increase in market values over the previous twelve months. Critical Illness/Specified Disease You or a covered dependent have been diagnosed with a serious illness. Net income available to common stockholders' ROE (net income ROE) was 15.4% for the twelve month period ending March 31, 2022. The Company believes that annualized investment yield, excluding limited partnerships and other alternative investments, provides investors with an important measure of the trend in investment earnings because it excludes the impact of the volatility in returns related to limited partnerships and other alternative investments. Renewal written price increases in homeowners of 8.8% in first quarter 2022. employee The Hartford Insurance Claims Workers' Comp Claims We're Here to Support You It's quick and easy to start your claim online. Make One-Time Payment What can you do in your account? The three months ended March 31, 2022 included $12 million before tax of credit losses on fixed maturities, available for sale, with $9 million driven by four issuers with Russian exposure. Request security code For additional security, we need to verify your identity before you can sign in to the account. Forward-looking statements can be identified by words such as anticipates, intends, plans, seeks, believes, estimates, expects, projects, and similar references to future periods. The Company excludes AOCI in the calculation of core earnings ROE to provide investors with a measure of how effectively the Company is investing the portion of the Company's net worth that is primarily attributable to the Company's business operations. Phone: 1-866-294-7987 Availability: Monday - Friday 8AM - 8PM EST Questions about your claims? The Hartford will let you know if the request has been approved or denied within five business days after receiving all necessary documentation. - This non-GAAP financial measure of the combined ratio for Commercial Lines represents the combined ratio before catastrophes, prior accident year development and COVID-19 incurred losses. To find an Express Scripts pharmacy, call 888-289-1407 or review, can log in to see account and claim details. Fully insured ongoing premiums were up 5%, compared with first quarter 2021, driven by an increase in exposure on existing accounts and strong persistency. fO^_a3MH&4Vz-Xm5ItN 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. 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. Loss (income) from limited partnerships and other alternative assets, Net investment income excluding limited partnerships and other alternative investments, Underlying combined ratio- 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. The $27 million before tax of catastrophe losses in first quarter 2022 related to the Ukraine conflict, largely recorded within Global Specialty, consisted of exposures under political violence and terrorism policies including aviation war, and under credit and political risk insurance policy exposures. We have the following email address on file. Global Specialty underlying combined ratio of 88.2 improved by 1.7 points from first quarter 2021 primarily due to a lower expense ratio, COVID-19 losses incurred in first quarter 2021 and lower loss ratios in U.S. lines of business, partially offset by a higher loss ratio in international, primarily due to a non-catastrophe marine loss in the quarter. Income from LPs was $126 million, before tax, in first quarter 2022, increasing from $112 million, before tax, in first quarter 2021, mostly driven by the sale of an underlying real estate property in the 2022 period and higher real estate fund valuations, partially offset by lower returns on private equity funds in the 2022 period. Certain of the statements contained herein are forward-looking statements made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Text {#maskedTwoFactorSMS} I am on an approved leave for a personal disability. We sent a one-time security code to to your configured email address. There were no current accident year COVID-19 incurred losses in first quarter 2022 compared with $24 million in the 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. When medically necessary, a team member with a serious health condition may take leave on an intermittent or reduced work schedule basis. The combined ratio is the most directly comparable GAAP measure. 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. Deferred gain resulting from retroactive reinsurance and subsequent changes in the deferred gain - Retroactive reinsurance agreements economically transfer risk to the reinsurers and including the full benefit from retroactive reinsurance in core earnings provides greater insight into the economics of the business. 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. 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. 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. - This is a non-GAAP per share measure that is calculated by dividing (a) common stockholders' equity, excluding AOCI, after tax, by (b) common shares outstanding and dilutive potential common shares. THE CRITICAL ILLNESS POLICY PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY. 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. 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. Get the help you need and the support youre looking for by. EMPLOYER/POLICYHOLDER INFORMATION Employer/Policyholder Name Policy Number On April 2, 2022, Virginia's governor signed legislation allowing private Family Leave Insurance in Virginia. Virginia's insurance code now includes voluntary Paid Family Leave as a new form of insurance. Resend. 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. 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 $1.66) were up 176% from the prior year quarter. Team members taking an approved intermittent leave for their own health condition or during pregnancy will draw from their ESL for each intermittent leave day taken. hTj0W$R@)cfS(bo? 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. Underlying combined ratio of 88.5 was 5.0 points higher than first quarter 2021, primarily due to higher auto loss costs and, to a lesser extent, a higher expense ratio. You'll get a claim number and handler info as soon as you submit. You only need to fill in what you know. The Company believes this ratio is an important measure of the trend in profitability since it removes the impact of volatile and unpredictable catastrophe losses and prior accident year loss and loss adjustment expense reserve development. Please note that we have hidden exam, lab or test results/reports; physician notes; Explanation of Benefits (EOBs) from your health insurance provider; itemized medical or hospital bills; or medical records. Manage my personal policy, bills and claims. 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. h|n0_O06)PV04\.hVCG!$E1^.b,ns1[,;>wGF!r*~vx:{+A&O:_BH*u?]DKobx. 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.