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## A value-added approach in the group benefits business 

Statistics show that U.S. workers have a one-in-three probability of becoming disabled for at least 90 days at some time during their work- ing years. No one can afford to be without disability insurance. As one of the nation’s largest providers of group benefits, we do more than simply protect employees and their families from the financial consequences of injuries and illness. 

We also take an active role in helping injured or disabled workers overcome their temporary setbacks so they can continue working toward a secure future. We don’t focus on limitations; we assess workers’ abilities and, with employers and physicians, develop return- to-work plans that help employees lead healthy and productive lives. 

Our work as a founding partner of the U.S. Paralympics, a division of the U.S. Olympic Committee, brings this philosophy to life. We sponsor organizations that showcase the extraordinary achievements— and change public perceptions—of people with physical disabilities. 

Our 2003 acquisition of much of CNA Financial Corporation’s group disability, life and specialty accident businesses will accelerate our growth in these areas by adding new distribution expertise and greater scale. 

The Hartford’s strong marketplace position and exceptional reputation demonstrate our firm commitment to building long-term relationships with our customers and producers. 

## Our emphasis is on customers’ abilities. 

M i ss i on Hea l t h , Inc ., i s an award- w i nn i ng Ashev ill e , N . C ., hea l t h- care  f ac ili t y w i t h  5 , 000 emp l oyees . They ’ re pro t ec t ed by The Har tf ord ’ s group l ong- t erm d i sab ili t y and group li f e i nsurance . Kev i n We l ch , second  f rom l e ft , pres i den t o f Char l o tt e , N . C . -based The RJC Group , LLC , recommended The Har tf ord i n par t because o f our so li d c l a i ms-pay i ng record and a p l an des i gn  t ha t was r i gh t f or h i s c li en t . We l ch wor k s w i t h , l e ft t o r i gh t , Caro l yn Wor t h i ng t on , M i ss i on Hea l t h ’ s d i rec t or , human resources , Pa tt i Moore , manager , emp l oyee bene f i t s , and W illi am Mance , v i ce pres i den t , human resources . 

