Wintertime Wellness Woes: the Hartford Finds Flurry of Disability Claims Due To Respiratory Illnesses, Depression

As ice and snow grip much of the U.S., The Hartford Financial Services Group, Inc. (NYSE: HIG) warns that winter is a wonderland for disabling illnesses and accidents. Claims due to depression, respiratory illnesses and fractures jump in January but not before a spike in good cheer and dip in claims around the holidays, according to an analysis1 of short-term disability claims by the leading U.S. seller of group disability insurance.2 "We are warning workers about wintertime wellness risks and urging them to take steps now to protect their health and their wealth," said Glenn Shapiro, vice president of claims for The Hartford's Group Benefits Division. "In today's tough economy, a disability that lasts even a couple weeks could be a financial hardship for many Americans." Beating the Blues The Hartford's analysis of more than one million short-term disability claims over the past five years found that claims were at their lowest level overall in November and December. Then the New Year brings a flurry of disability claims related to depression (see also The Hartford).

"The holiday season can be a stressful time of year. But studies show that most Americans are happy when they're celebrating with family and friends," Shapiro said. "Our claims records back that up. Depression claims drop to their lowest point in December and then climb in January."

Understanding that depression is a challenge that some workers need help in overcoming, The Hartford has a team of experienced behavioral health case managers to assist in their recovery. Nothing To Sneeze At Not only are workers trying to beat the blues in the dead of winter, they are struggling with sniffles and sneezes. Claims due to respiratory illnesses soar in January and peak in February. "Everyone knows wintertime is cold-and-flu season. But our research shows respiratory illnesses are not to be taken lightly. They keep many workers off the job, making this a major concern for the financial health of businesses, too," Shapiro said. Disability Dangers Overall, accident-related disability claims peak in the summertime. However, there's another secondary spike in January of accident-related claims for workers in the Northeast and Midwest.

"Inclement weather is a key factor that makes these two regions disability danger zones during the winter," Shapiro said. "Basic safety precautions can help prevent most of the accidents and injuries that can happen. We encourage residents in these two regions to exercise extreme caution while traveling during storms and use the appropriate protective gear for winter sports at all times, such as wearing a helmet when skiing." Wintertime 911 Tips Employers can lend a helping hand in keeping their workers happy and healthy. The Hartford offers these tips for business owners: Don't let stress drain productivity. Provide employees with coping techniques and tools, such as an Employee Assistance Program. You'll also find stress tips on The Hartford's Group Benefits Website such as staying active even during this frigid time of year. Avoid confusion about absences. Ensure your team is familiar with key company policies on topics, such as storm closings and telecommuting. Get ready. Arm your workforce with information about disability benefits, just in case they experience a disabling injury or illness this winter. The Hartford's research has found troubled economic times are a great time for employers to emphasize income protection. Workers can estimate their coverage needs at TheHartfordatwork.com, and employers can prepare by having plans to accommodate recuperating workers. Medical Experts On Call Despite best efforts to prevent an illness or injury, some of us this season are going to get sick or hurt.

"We are ready to handle the impending storm of disability claims. We have experienced medical experts who care for workers at every point of a short-term disability claim," said Shapiro. "Nurses are the disabled worker's first point of contact and a team of return-to-work coordinators help facilitate the safe return to the workplace."

Return-to-work tips are on The Hartford's website at groupbenefits.thehartford.com. You can follow The Hartford on Twitter at www.twitter.com/thehartford or become a fan on Facebook at www.facebook.com/thehartford. About The Hartford Celebrating nearly 200 years, The Hartford (NYSE: HIG) is an insurance-based financial services company that serves households, businesses and employees by helping to protect their assets and income from risks, and by managing wealth and retirement needs. A Fortune 500 company, The Hartford is recognized widely for its service expertise and as one of the world's most ethical companies. More information on the company and its financial performance is available at www.thehartford.com.

This information is written in connection with the promotion or marketing of the matters addressed in these materials. These materials are not intended to provide financial planning advice. As with all financial planning matters, you should consult a professional for advice.

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