Podcasts about accident insurance company

Hartford Life and Accident Insurance Company v. Valois

Started by the National Life and Accident Insurance Company in 1925, WSM became one of the most influential and exceptional radio stations in the history of broadcasting and country music. WSM gave Nashville the moniker “Music City USA” as well as a rich tradition of music, news, and broad-based entertainment. With the rise of country music broadcasting and recording between the 1920s and ‘50s, WSM, Nashville, and country music became inseparable, stemming from WSM's launch of the Grand Ole Opry, popular daily shows like Noontime Neighbors, and early morning artist-driven shows such as Hank Williams on Mother's Best Flour.  Join us as we sit down with Craig Havighurst and talk all things Nashville, radio, and country music in American culture.

Started by the National Life and Accident Insurance Company in 1925, WSM became one of the most influential and exceptional radio stations in the history of broadcasting and country music. WSM gave Nashville the moniker “Music City USA” as well as a rich tradition of music, news, and broad-based entertainment. With the rise of country music broadcasting and recording between the 1920s and ‘50s, WSM, Nashville, and country music became inseparable, stemming from WSM's launch of the Grand Ole Opry, popular daily shows like Noontime Neighbors, and early morning artist-driven shows such as Hank Williams on Mother's Best Flour.  Join us as we sit down with Craig Havighurst and talk all things Nashville, radio, and country music in American culture.

On Saturday, September 14th, 1957 The Grand Ole Opry signed on from WSM and the Ryman Auditorium. WSM is a fifty-thousand-watt clear channel station located in Nashville, Tennessee. Founded by the National Life and Accident Insurance Company, the station's call sign stands for We Shield Millions. WSM first signed on October 5th, 1925. The next month on November 28th, The WSM Barn Dance took to the air for the first time. On December 10th, 1927, the program's host, "Judge" George D. Hay referred to the show for the first time, as The Grand Ole Opry. The Opry began running coast-to-coast on Saturday evenings in 1939. The show moved to the Ryman Auditorium in 1943. As it developed in importance, so did the city of Nashville, which became America's country music capital. By 1954, WSM was considered the outstanding music station in the country. That October 2nd a teenage Elvis Presley would have his only Opry performance. ___________ Meet The Press grew out of a partnership between Martha Rountree and Lawrence Spivak. Rountree, a freelance writer, broke into radio in the late 1930s. She created the panel show Leave It to the Girls in 1945, before teaming with American Mercury editor Lawrence Spivak, to produce a radio show promoting his magazine. Spivak would be the permanent panelist representing the press. They would invite top newsmakers to be put on the spot, “without preparation or oratory,” and thus “find out what they stand for.” The show debuted on October 5th, 1945 over Mutual Broadcasting. Meet the Press was soon making its own headlines. The panelists purposely pitted two editors known for their opposition to the guest's viewpoint, with one middle-of-the-road type, and Spivak. In 1947 while still airing over Mutual, a TV version began airing on NBC. The radio version aired over Mutual for five years before going off the air and moving to NBC in May of 1952. On September 15th, 1957 the guest was Archbishop Makarios of Cyprus. The discussion regarded Cyprus' quest for independence. The population was made up of both Greeks and Turkish Cypriots and had been under British rule since 1878. Greeks wanted British removal and a union with Greece. The Archbishop was one of the loudest voices in this quest. Makarios, who was in favor of bombing attacks that had occurred against government offices in 1955, was exiled in 1956, and by 1957 most leaders in the National Organization Of Cypriot Fighters' had been killed or captured. So, they turned to organizing school children riots, and killing the families of police and military personnel. The rebellion continued throughout 1958, even after Makarios had abandoned his initial demands. They finally ended in February 1959 when agreement was reached for Cyprus to become an independent republic. The radio version of Meet The Press aired until July 27th, 1986. The TV version is still being seen.

Morgan comes from a family who has served Nashville well. His great grandfather founded the National Life and Accident Insurance Company, his mother helped establish Vanderbilt's Children's Hospital, his father has written 28 books on Nashville's history, and his parents were key to the restoration of the Belle Meade Farm.   Morgan has been president and CEO of Siloam Health, a faith-based, volunteer-supported clinic for people with no health insurance and limited resources, primarily immigrants. Siloam serves people from 70 nations who speak 50 languages. Morgan has also received an MA in marketplace theology from Regent College.   Siloam does not just meet the physical needs of the people it serves. It provides a place where they can feel safe and loved. It's called whole-person medicine.   This month Morgan is stepping down from his position at Siloam to become an associate professor at the Thomas F. Frist Jr. College of Medicine at Belmont, a school that in April, 2024 will begin training medical providers to treat patients as human beings and not just broken bodies.

Material Misrepresentation About Prior Health Care Supports Rescission An ERISA Policy May be Rescinded In Provident Life & Accident Insurance Company v. Bradley D. Mckinney, No. 3:19-CV-1325 (SVN), United States District Court, D. Connecticut (September 9, 2022) the USDC was called upon to determine if an insurer can rescind an ERISA policy. FACTUAL BACKGROUND Bradley McKinney applied for and obtained a disability insurance policy with Provident Life Accident & Insurance Company (“Provident Life”). McKinney subsequently filed a claim for disability benefits under the policy, but Provident Life rejected his claim on the ground that McKinney made material misrepresentations in his application for the policy. Provident Life sued seeking rescission of the insurance policy, and McKinney counterclaimed seeking an order directing Provident Life to pay him all benefits due under the policy. McKinney's employer, Anderson Tax LLC, maintained a Supplemental Individual Disability Insurance Plan. McKinney applied for supplemental insurance through the plan. In completing the application, McKinney answered various questions about his medical history and agreed that his answers were “true and complete and correctly recorded to the best of [his] knowledge and belief.” In September of that year, Provident Life issued him an insurance policy providing all three available disability coverages. The policy provided that “[o]missions and misstatements in the application could cause an otherwise valid claim to be denied or [the policy] to be rescinded.” In answering questions 6 and 8 of the application McKinney represented that he had not received diagnosis or treatment from a physician for memory loss, confusion, or speech disruption in the five years preceding his application. Second, in answering question 3(a), he represented that he had not missed one or more days of work or been admitted to a medical facility due to sickness or injury in the 180 days preceding his application. Upon reviewing McKinney's medical records, Provident Life concluded that his answers to those questions were untruthful and that its denial of his claim and rescission of his policy were proper. ERISA The parties do not dispute that a plan fiduciary may obtain “equitable rescission of an ERISA-governed insurance policy that is procured through the material misstatements or omissions of the insured.” [Shipley v. Ark. Blue Cross & Blue Shield, 333 F.3d 898, 902 (8th Cir. 2003).] An ERISA plan fiduciary's right to obtain equitable rescission is well grounded in federal common law. Rescission Due to Material Misrepresentation Under the federal common law that has developed pursuant to ERISA, an insurer can rescind a policy where the insured knowingly made a material misrepresentation in an application for an ERISA-governed insurance policy. DISCUSSION In denying McKinney's appeal of the original denial, Provident Life explained that McKinney also untruthfully answered question 3(a), which concerned time off work due to admission to sickness or injury in the relevant time frame. The Court concluded that McKinney's claims of ignorance of the fact that he had been treated for confusion and speech disruption during his 2016 hospitalization was not innocent. The court concluded that McKinney's ignorance about the facts of his 2016 hospitalization was not reasonable. The court also concluded that there is no genuine dispute that McKinney's untrue answers to questions 6 and 8 were material to Provident Life's issuance of the policy. --- Support this podcast: https://anchor.fm/barry-zalma/support

Podcast Episode 22: PFML Expansion: Absent a Federal Program, States Are Filling the Void Notes: In the absence of a federal PFML program, states continue to establish their own programs. Maryland and Delaware are the latest to adopt PFML. While PFML programs make a significant difference for a family, they are also adding complexity for employers trying to stay on top of all the changes. In this episode we discuss upcoming new programs as well as updates on existing ones.   Join host Laura Marzi, Group Benefits Chief Marketing Officer, with Meghan Pistritto, Head of The Hartford's Statutory Disability and PFML product and Susan Tiso, The Hartford's Regional Relationship Manager in NYC and New Jersey to learn about the status of PFML around the country as well as some of The Hartford's initiatives. Special guest, Anthony Cortese, Principal and Senior VP for Reuben Warner Associates will offer insight on challenges and solutions for employers in New Jersey. For a full transcript and to visit the The Hartford's PFML Resource Center, please visit us online at www.TheHartford.com/PFML. 979668 7/22 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®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford's legal notice at www.thehartford.com. © 2022 The Hartford.

As the US began May of 1954, there was word that a new Soviet bomber had the ability to reach the United States. It was displayed for the public for the first time at the Moscow May Day Parade. On May 7th, the Battle of Dien Bien Phu would end in a French defeat. U.S. Secretary of State John Foster Dulles declared Vietnam non-essential to security in Southeast Asia. The U.S. would not intervene for France. And as several massive U.S. fishing vessels were sinking off the coast of Alaska, the Boeing 707 was being released after two years of development. On May 1st, NBC affiliate WSM signed on with The Big Sound. WSM is a 50,000-watt clear channel station located in Nashville, Tennessee. Founded by the National Life and Accident Insurance Company, the station's call sign stands for We Shield Millions. WSM first signed on October 5th, 1925. The next month on November 28th, The WSM Barn Dance took to the air for the first time. On December 10th, 1927, the program's host, "Judge" George D. Hay referred to the show for the first time, as The Grand Ole Opry. The Opry began running coast-to-coast on Saturday evenings in 1939. The show moved to the Ryman Auditorium in 1943. As it developed in importance, so did the city of Nashville, which became America's country music capital. By 1954, WSM was considered the outstanding music station in the country. That October 2nd a teenage Elvis Presley would have his only Opry performance. The times, they were a-changin'. Tonight, we'll dive in for a closer look. ___________ Welcome to Breaking Walls episode 127. My name is James Scully. Tonight we keep on with our look at 1954 by picking up in May during one of the most important months of the decade. ___________ Everett Sloane was born in New York City on October 1st, 1909. At age of seven, he played Puck of Shakespeare's Midsummer Night's Dream, and decided to become an actor. In 1927 he joined a Theater company. He made his New York stage debut in 1928. In the 1930s Sloane was appearing on The March of Time. It was there he met a young Orson Welles. Welles hired Sloane to be part of his Mercury Theatre. He moved from New York City to Los Angeles after Welles signed his contract with RKO. Sloane had a prominent role in Citizen Kane. In the 1940s, he worked on both coasts, guest-starring in radio on Inner Sanctum Mysteries, The Shadow, The Mysterious Traveler, and in films such as The Lady From Shanghai, Journey Into Fear, and Prince of Foxes. By 1953 he was being featured on TV and starring on radio in The 21st Precinct as Captain Frank Kennelly. The 21st Precinct debuted on July 7th, 1953 over WCBS radio in New York. It put the listener into the drama from the opening phone call until the final report. In May of 1954 it was airing Wednesdays at 8:30PM against The Great Gildersleeve on NBC. Starring with Sloane was Ken Lynch as Lieutenant Matt King and Harold Stone as Sergeant Waters. John Ives produced and Stanley Niss directed. Everett Sloane continued to be a busy actor until 1965. On August 6th of that year, recently diagnosed with Glaucoma and fearing blindness, he took his own life. He was survived by his wife Lilian and two children. Everett Sloane is buried at Angelus-Rosedale Cemetery in Los Angeles.

In today's episode of The Line on Leave, we continue our conversion about mental health with Dr. Christine Crawford, associate medical director with NAMI, and Adele Spallone, head of clinical operations for The Hartford Worker's Compensation and Group Benefits. Listen as we discuss the impact of burnout on employees and tips for employers to consider in order to support their employees' overall wellbeing during these times of intense change. For a full transcript, please visit us online at www.TheHartford.com/PFML. 1053021 2/21 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®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford's legal notice at www.thehartford.com. © 2022 The Hartford.

As we near the two-year mark of the pandemic, we've learned to adapt to multiple versions of the ‘new normal'. In the workplace, there's been an emphasis on employee well-being and the importance of discussing mental health. Our latest episode of The Line on Leave features Dr. Christine Crawford, associate medical director with National Alliance on Mental Illness, and Adele Spallone, head of clinical operations for The Hartford Worker's Compensation and Group Benefits as they discuss employee burnout and the importance of mental health. For a full transcript and additional resources, visit TheHartford.com/PFML. 942259 01/22 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2022 The Hartford This podcast is powered by Pinecast.

As the year comes to an end, we are taking a moment to look back at the latest updates to the Paid Family and Medical Leave (PFML) landscape across the country in 2021. Tune in to learn more about the latest PFML state announcements, the impact of the pandemic on PFML programs across the country, and what employers may want to watch for PFML in 2022. Join The Hartford's Meghan Pistritto, head of Paid Family and Medical Leave, and Grant Van Der Beken, Region Sales Director, on the latest episode of The Line on Leave. For a full transcript and additional resources, visit TheHartford.com/PFML. 931439 12/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford

December 19, 1959. 21st Christmas program with George Morgan (photo) who was a fixture on the Grand Ole Opry most of the period from 1948 until his death in 1975 . The Grand Ole Opry started as the WSM Barn Dance in the new fifth-floor radio studio of the National Life & Accident Insurance Company in downtown Nashville on November 28, 1925. The phrase "Grand Ole Opry" was first uttered on radio on December 10, 1927. At the time, the NBC Red Network's Music Appreciation Hour, a program with classical music and selections from grand opera, was followed by Hays' Barn Dance. That evening, as he was introducing the show and DeFord Bailey, his first guest, George Hay said the following words: For the past hour, we have been listening to music largely from Grand Opera, but from now on, we will present 'The Grand Ole Opry'.https://en.wikipedia.org/wiki/Grand_Ole_Opry

Being proactive about the health and safety of your employees is one of the most important ways to keep your workforce productive. By leveraging our advanced analytics, we've discovered the top ten most common medical conditions that lead to preventable absences. Tune in to hear Dr. Mark Williams, medical director at The Hartford, and Will Gray, data scientist on The Hartford's Health Services team, share the top 10 list of preventable absences and tips for keeping workers healthy and safe. For a full transcript and additional resources, visit TheHartford.com/PFML. 941976 10/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford

An inclusive workplace culture includes support for disabilities that aren't readily apparent. How do you include what you can't see? In this episode of The Line on Leave, we discuss ways employers can create a more inclusive workplace for invisible disabilities, including fostering a stigma-free environment and measuring a company's inclusion efforts. The Hartford's Absence Management and Product and Strategy Lead for Group Benefits, Tom Tipton, and Senior Staffing Consultant for Human Resources, Stephanie Vogel, share their insights and passion for disability inclusion in the workplace. For a full transcript and additional resources, visit TheHartford.com/PFML 816076 09/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford

In the final episode of the ADA series, The Hartford's ADA Coach, Alicia Heine, and Assistant Director of Absence Solutions, John Robinson, discuss the best practices and compliance considerations for ADA in the workplace. For more the full transcript, and additional ADA resources, visit us online at TheHartford.com/PFML. 628508 08/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford

The complexity of leave ranges from managing the different types of leave to unraveling the stigma behind employees being worried to take leave. In this episode of The Line on Leave, we discuss how the pandemic's impact on leave for employers and employees from The Hartford's 2021 Future of Benefits study with Katie Dunnington, head of absence product management at The Hartford. For more the full transcript and additional resources, visit us online at TheHartford.com/PFML. 662059 07/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford.

In the second episode of a three-part series on ADA, we walk through the steps of the ADA interactive process and share tips on how employers and employees can collaborate on accommodation options. Tune into the latest _Line on Leave _episode to hear The Hartford's ADA Coach, Alicia Heine, and Assistant Director of Absence Solutions, John Robinson explain more about employer responsibilities and provide examples of the interactive process.  Listen to the first episode of the ADA podcast series about the ABC's of ADA: An Overview of ADA. For the full transcript and additional ADA Resources, visit us online at TheHartford.com/PFML. 628507 06/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford

In this episode of The Line on Leave, we discuss The Hartford's 2021 Future of Benefits study with Jonathan Bennett, head of group benefits at The Hartford. Tune in as we discuss the silver linings that emerged from the pandemic in the areas of employee benefits, workplace culture, mental health and employee engagement. For more the full transcript and additional resources, visit us online at TheHartford.com/PFML. 660972 05/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford.

Tune in as we discuss an overview of the Americans with Disabilities Act (ADA) with The Hartford's ADA Coach, Alicia Heine, and Assistant Director of Absence Solutions, John Robinson. Including a look at a general overview of the law and considerations for employers to be mindful of. For more the full transcript, and additional ADA Resources, visit us online at TheHartford.com/PFML. 575293 04/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford

In this episode of The Line on Leave, we discuss tips for employers navigating COVID-19 the workplace with The Hartford's Chief Medical Officer, Dr. Adam Seidner, and Vice President of The Hartford's Health Services, Donato Monaco. For the full transcript and more podcast episodes, visit us online. 2/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford.

In honor of 211 Day, today's episode of the Line on Leave focuses on the ALICE population and how employers can help support their workforce. We speak with Cora Hall, assistant vice president of marketing in Group Benefits at The Hartford, Paula Gilberto, President and CEO of United Way of Central and Northeastern Connecticut, and John Puglisi, The Hartford's Regional sales executive to learn more about the supportive services offered through 211 and how bedrock benefits play an important role. For more the full transcript and more podcast episodes, visit us online. 2/21 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2021 The Hartford.

The pandemic has forced many employees to work from home. In this episode, we discuss helpful ergonomics tips to help avoid injury or strain with Alicia Henie, a certified rehabilitation counselor and ADA Coach at The Hartford. For more helpful resources on Absence Management and Leave, please visit us online. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2020 The Hartford

To help employers prepare for the new Massachusetts PFML and Connecticut Paid Leave programs that begin on January 1, 2021, we sat down with Grant Van Der Beken, Regional Sales Director for New England, and Meghan Pistritto, Director of Product Management to gain some insight into steps employers need to take to meet the state's requirements.   For more information on PFML programs, please visit our Resource Center at thehartford.com/pfml.   This informational material is subject to change as The Hartford continues to receive guidance from states and municipalities. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to an employer's business practices, and the views and recommendations contained herein shall not constitute The Hartford's undertaking on a company's behalf, or for the benefit of others, to determine or warrant that an employer's business operations are in compliance with any law, rule, or regulation. Employers seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors; and employees should continue to consult their employers' Human Resources or other employment benefits department for guidance on the application of any law, rule, or regulation. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2020 The Hartford.

The Hartford's medical, HR and Absence Management experts discuss what employers should consider when cautiously preparing to bring employees back to their workplace after COVID-19 restrictions begin to ease around the country. Host, Laura Marzi, Chief Marketing Officer of Group Benefits at The Hartford speaks with Kimberly Mashburn, The Hartford's Absence Management Practice Lead, The Hartford's Chief Medical Officer Dr. Adam Seidner and Assistant Vice President of HR Benefits Karen Howard about helping businesses prepare to safely return their employees to the workplace. For full transcript, please visit our Paid Family and Medical Leave Resource Center. This informational material is subject to change as we continue to receive guidance and shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking on your behalf, or for the benefit of others, to determine or warrant that your business operations are in compliance with any law, rule, or regulation. Those seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2020 The Hartford 7823b NS 06/20

The Hartford's Janîce Malcolm-Beeker, Asst. General Counsel, and host, Laura Marzi, Chief Marketing Officer of Group Benefits, explore new state and federal emergency Paid Leaves that provide immediate economic relief to employees who cannot work for reasons related to the unprecedented COVID-19 pandemic. For full transcript, please visit our Paid Family and Medical Leave Resource Center. This informational material is subject to change as we continue to receive guidance from governmental agencies. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking on your behalf, or for the benefit of others, to determine or warrant that your business operations are in compliance with any law, rule, or regulation. Those seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. 7796a NS 05-20

The Hartford's Leave experts discuss upcoming changes and expansions in 2020 to existing Paid Family and Medical Leave state programs and the status of legislation on both the state and federal level. Tune in to hear Meghan Pistritto, Dir. Product Management, Kimberly Mashburn, National Accounts Practice Lead and our host, Laura Marzi, CMO of Group Benefits explore: • Updates to current state PFML programs in NY, NJ, CA, and Washington D.C. • What's on the horizon in CT, OR and MA • Proposed federal Paid Leave legislation For a full transcript of this episode, please visit: https://www.thehartford.com/paid-family-medical-leave/podcast-pfml-2020 7709a NS 1-20 This informational material is subject to change as we continue to receive guidance from each state. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking on your behalf, or for the benefit of others, to determine or warrant that your business operations are in compliance with any law, rule, or regulation. Those seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT.

Connecticut and Oregon are the newest states to adopt Paid Family and Medical Leave in 2019. The Hartford's Janice Malcolm-Beeker, Asst. General Counsel, Meghan Pistritto, Dir. Product Management and host, Laura Marzi, CMO Group Benefits explore what employers and brokers need to know about CT & OR PFML programs including: • Covered employer requirements, funding and deadlines • Employee eligibility, benefits and reasons they can take Leave • If Private Plans are an option For a full transcript of this episode, please visit: https://www.thehartford.com/paid-family-medical-leave/podcast-ct-or Stay Updated on PFML The Hartford keeps employers and brokers updated on statutory and Paid Family and Medical Leave at www.thehartford.com/pfml This informational material is subject to change as we continue to receive guidance from each state. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking on your behalf, or for the benefit of others, to determine or warrant that your business operations are in compliance with any law, rule, or regulation. Those seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2019 The Hartford 7680 NS 12-19

The Hartford, the leader in Leave Management, explains what employers must know about the new Washington Paid Family & Medical Leave program before benefits begin 1/1/20. This episode features special guests from The Hartford; Paul Lagrotteria, Regional Sales Director, Keri Brightbill, Assistant Director of Product & Strategy, and is hosted by Laura Marzi, CMO Group Benefits. For more information on WA PFML, please visit: https://www.thehartford.com/paid-family-medical-leave/wa This informational material is subject to change as we continue to receive guidance from each state. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking on your behalf, or for the benefit of others, to determine or warrant that your business operations are in compliance with any law, rule, or regulation. Those seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2019 The Hartford 7649 NS 10-19

Eight states now have mandatory Paid Family Leave laws. Today's podcast focuses on the program in Massachusetts and what employers need to know before benefits start in 2021. This episode features special guests from The Hartford, Grant Van Der Beken, Regional Sales Director and Julie Crawford, Assistant Director for Product and Strategy, and is hosted by Laura Marzi, Group Benefits Chief Marketing Officer. For more information on MA PFML, please visit: https://www.thehartford.com/paid-family-medical-leave/ma This informational material is subject to change as we continue to receive guidance from each state. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking on your behalf, or for the benefit of others, to determine or warrant that your business operations are in compliance with any law, rule, or regulation. Those seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2019 The Hartford 7619 NS 10-19

When National Life and Accident Insurance Company decided to create a radio station to increase insurance sales, they created a legend. In this episode, learn how WSM broke new ground in broadcasting, from the famous Air Castle tower to connecting North America like no station had done before.  Building Nashville is made possible by Delta Dental of Tennessee. Learn more about Building Nashville at wsmonline.com Follow WSM on Twitter, Facebook, and Instagram: @wsmradio

What Employers Need to Know About Paid Family and Medical Leave Management The U.S. does not have a national policy on Paid Family and Medical Leave and so many states are mandating their own laws. The underlying concept may be the same but different states have different rules around PFML. The Hartford's Tom Tipton, VP of Product Management and Chief Medical Officer Dr. Adam Seidner will help explain the difference and what employers need to know. As the largest disability provider in the country_1_, we're delighted to welcome our employers, trusted producers and many other interested listeners to The Line on Leave, the first in our series of podcasts on Paid Family and Medical Leave. Congress passed the Family and Medical Leave Act in 1993 – that guaranteed 12 weeks of leave and job protection to eligible employees. We have a national policy on Family and Medical Leave, but it is still only an unpaid policy. Fast forward to today, and states have been actively mandating PFML. Currently six states –NY, NJ, CA, RI, MA, WA as the DC have PFML laws. About two dozen other states introduced but did not pass legislation this year. We fully expect to see another flurry of PFML legislation in many of those states in 2020. An effective PFML program is more than just wage replacement while an employee is out. States can mandate the rules of eligibility, duration of leave, benefit levels and disburse checks, but are employers really equipped to manage an effective Family and Medical Leave plan? We've been talking a lot about the “family” part of Paid Family and Medical Leave, but let's look at what is needed when an employee goes out with an illness or disability. Questions to ask include: • Is there support to get the employee the resources and care he or she needs for a safe return to work? • Is there advocacy and expertise in the program for ADA accommodations? • Is there referral and coordination of health and wellness programs? An effective Absence Management approach should have these important components: Prevention and Intervention: A prevention and intervention program includes an assessment of the employer's work site, safety and prevention consultations, as well as, help to navigate the health care system. Consultations can help employers develop a Return to Work strategy that may include forming a R2W team and modifying job descriptions based on the ADA and amendments. Claim & Leave Management: It begins with compassionate intake from an experienced, clinical nursing staff with established, streamlined processes that integrate Leave with ADA requirements and Disability claims. Such a process helps eliminates confusion and stress, while helping return employees to productivity swiftly and safely. Reporting & Interpretation: Integrated technology with real-time reporting and claim status updates, and online tools for employees for ease of claims processing and communication. Coordination: There should be an integrative process for managing work and non-work absences, referrals to health and wellness programs and more. You can find this podcast along with future podcasts and additional resources on this topic on The Hartford's Paid Family and Medical Leave page: https://www.thehartford.com/pfml-states. LIMRA 2018 Absence Management / Family Medical Leave Sales and In Force Millennials are the largest generation in the U.S. labor force at 35%, Pew Research Center analysis of U.S. Census Bureau data, April, 2018. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. © 2019 The Hartford 7506 NS 06-19

Critical Illnesses like cancer, heart attack and stroke don't discriminate and usually strike when least expected. The illness may be unexpected but your clients can be prepared for the financial impact. When someone is sick or recovering from illness or surgery, the last thing they need to worry about is how to pay the bills. Critical Illness insurance from Standard Life and Accident Insurance Company pays lump sum benefits upon diagnosis of a covered illness like cancer, heart attack, stroke and others. There are also Multiple and Recurrence benefit provisions if your clients suffer multiple illnesses or if the same illness returns. And with Critical Illness insurance, your clients can use the benefits however they see fit. The benefits can be used to pay uncovered medical bills or help meet deductibles and pay coinsurance. The benefits can even be used to pay household expenses like mortgage, rent or utility bills, or to take a vacation to help the healing process. There are no limits to how these benefits can be used.

Sometimes clients find themselves at the crucial point of being between coverage options for health insurance. Recent college graduates who are no longer eligible for their parents' insurance, seasonal workers, those who have missed open enrollment, those who have lost their employment or recent retirees who are waiting for Medicare benefits to begin are often on tight budgets. Standard Life and Accident Insurance Company has designed a product to make health insurance affordable for them. Short-Term Medical Insurance is temporary health insurance that pays predetermined fixed benefits for common medical occurrences for a term of up to 364 days. We offer 4 budget friendly plans that pay benefits for things like hospitalization, hospital admission, intensive care, emergency room, doctor visits, lab benefits, accidental death, fracture and burn care, critical illness and more.

It has been referred to as the “Home of American Music”, “America’s Musical Showpark” and promised “Great Shows, Great Rides and Great Times”. The park originally opened  with 120 acres of rides and attractions. It opened on June 30, 1972 and remained open until December 31, 1997. At the parks peak in the late 1970’s and early 1980’s the park enjoyed the attendance over 2 million guests annually. Welcome to Opryland USA. Opryland USA, which was usually referred to as Opryland was born due to the popularity of its namesake The Grand Ole’ Opry and the move of the Opry from its long time location at the Ryman Auditorium to its current location at the Grand Ole Opry House. But before we tell the story of the park, we’ll tell the story of The Grand Ole Opry itself… Stepping back it in time we go back to the Roarin’ 20’s, 1925 to be exact. The Grand Ole Opry started out as the WSM Barn Dance. What was WSM you may ask? WSM was an AM radio station owned by the National Life & Accident Insurance Company. The radio studio was housed on the fifth floor of their building in downtown Nashville, Tennessee. In October of 1925 the station began a program featuring “Dr. Humphrey Bate and his string quartet of old-time musicians”. A couple of weeks after the program aired WSM hired what would become their long-time program director and announcer George D. “Judge” Hay. Hay wasted no time, after coming on board he quickly recruited the seasoned 77 year old fiddler Uncle Jimmy Thompson and then on November 28, 1925 and re-launched the WSM Barn Dance, and although the phrase would not actually be mentioned on air for another 2 years, that date is credited for being the official birth date of The Grand Ole Opry. During the 1930’s the popularity of the program led to many artists, who would later become country music legends, performing on the Opry as well as the length of the Saturday night show being extended to 4 hours. Being broadcast at that time at 50,000 watts, the show became a staple in homes in 30 states eventually becoming a national show when it was picked up by NBC Radio in 1939. All the time this was happening, the live audience of the show grew quickly leading the show to being moved from its original studio to larger and larger venues to accommodate the audience size. Eventually the audience grew to such a size that measures were taken to control attendance by charging a 25 cent admission charge. That, having little effect to dissuade attendance, led to the show being moved to the Ryman Auditorium. It was during the Ryman years that music legends such as Hank Williams (who was eventually banned in 1952 due to his alcohol problems), Patsy Cline, Roy Acuff, The Carter Family, Bill Monroe, Ernest Tubb, Kitty Wells, Minnie Pearl and many others came to be frequent performers on the Grand Ole Opry Stage. The Opry’s growing attendance numbers due to its popularity along with deterioration issues with the Ryman Auditorium led to the decision to find a new home for the show. It was decided by WSM, Inc., the operator of the Opry that it would be relocated nine miles east of downtown Nashville, on a tract of land that was owned by a sausage manufacturer (Rudy’s Farm) in the Pennington Bend area of Nashville, it was also decided to build a theme park and hotel/convention center with the new Grand Ole Opry House becoming the crown jewel of the grand entertainment complex. Ironically, the theme park would open on June 30, 1972 prior to the Grand Ole Opry House debuting there on March 16, 1974. The park would receive its original name from WSM disk jockey, Grant Turner’s early morning show, Opryland USA, with its own name honoring the stars of the Grand Ole Opry. Although the Grand Ole Opry had always dedicated itself to mostly featuring traditional, conservative Country Music (with only a couple of exceptions); Opryland USA’s overall theme was more of a generalized blend of American Music consisting of bluegrass, gospel, jazz, pop and rock and roll with the theme carrying through not only to the rides but the shows as well. As a matter of fact the Rock N’ Roller Coaster was a opening day attraction. WSM’s bet paid off in a big way as the entire complex proved extremely popular and spurred its first expansion in 1975. In a move that would fit right in with culture of the park the “State Fair” area was created featuring carnival games, the Wabash Cannonball roller coaster, the Tennessee Waltz swing ride and the Country Bumpkin Bumper Cars. As would become the norm because of the parks limited size, the park would have to remove an attraction in order to add a new one. In this case it was the park’s buffalo exhibit that would disappear in favor of the new attractions. But the Wabash Cannonball roller coaster would prove to be one of the favorite rides at the park until it’s closure 22 years later. In a setback for the park for its 1975 season, not too long before the park was set to open the Cumberland River experienced a large flood that inundated most of the park with some areas submerged by up to 16 feet of water. Fortunately, the park was able to recover from the flood quickly with the opening day being delayed only for one month, but on a sadder note several of the animals from the petting zoo did not survive the ordeal. Attendance continued to grow throughout the 1970’s and into the 1980’s partly due to the parks location and its ability to draw guests throughout Tennessee and several surrounding states being that there were no other comparable parks within a reasonable driving distance. Most other parks such as St. Louis’s Six Flags over Mid-America, Charlotte’s Carowinds, Atlanta’s Six Flags over Georgia and the northern King’s Island in Cincinnati were a 4 to 6 hour or more drive making them impractical for a day trip. As park attendance grew and attractions grew, it ushered in the need for a hotel in order to keep guests onsite for more than a day. In 1977 the Opryland Hotel, a large resort hotel, was built next to the park. Then in 1979 the Roy Acuff Theater next door to the Grand Ole Opry House in the plaza area and was the primary venue for the theme parks premier musical events and productions. In a shrewd business move the theater was actually built outside the park’s perimeter and while because of this you did not need theme park tickets to attend events, productions held there usually did require separate tickets from park admission and in most cases drew day guest’s from the parks to the events as well as the general public, thereby increasing the park’s revenue. In 1982, things changed for the Opryland complex in an abet, “Grand” way. The parent company of WSM, Inc., (National Life and Accident Insurance Company, later NLT Corporation) was absorbed by American General from Texas. Unlike it’s predecessor, who had benefitted from the advertising value and name recognition of owning and supporting the Grand Ole Opry, American General had no experience with or running an entertainment business and furthermore had no interest in running a theme park nor the broadcast business. It almost immediately set about the task of finding a buyer for all of NLT’s former entertainment assets and approached some of the larger entertainment and hospitality corporations such as MCA, Anheuser-Busch and the Marriott Corporations about the possibility of selling them all as a “package” deal. While some potential buyers were interested in individual parts like the theme park, the hotel, or the Grand Ole Opry itself; no one company was interested in buying them all at once. After a time, American General began considering that the only way they would be able to divest themselves of these properties would be to split them up into different entities. As fate would have it, just about that time Gaylord Broadcasting Company of Oklahoma City stepped in and bought nearly all of them lock, stock and barrel. The Opryland Complex, the WSM radios stations and it would have bought the WSM-TV station as well had they had not been at their limit of television stations that they were allowed to own by the government. After the purchase was complete, the name was changed to Gaylord Entertainments Company. In fact, Ed Gaylord, who was then heading the media empire was instrumental in Opryland’s acquisition. Mr. Gaylord, as it turned out was a huge fan of the Opry and spearheaded the effort to purchase it and keep it intact. As an added bonus, the acquisition also included then fledgling WSM cable network, TNN (The Nashville Network) and its production division Opryland Productions. TNN has since gone on to become a television network dedicated entirely to Country Music. For a number of years TNN’s offices and production facilities continued to be located on-site in Opryland as well as one of its shows, Nashville Now (then later Music City Tonight) was filmed in the Gaslight Theater within the park itself and the park was often used as a backdrop for numerous concerts and performances of popular country music stars. With Gaylord now owning and backing the park and the enthusiastic leader of the parent company as a fan, the future looked bright for Opryland USA…and for a while at least it would be, but the clouds were beginning to gather. With the purchase of the park now behind them, 1982 would bring more expansion to the park but with growth would come more growing pains due to the limitations of space. Future expansion from this point would mean that for every new addition to the park, something would have to go. In 1984, a third roller coaster arrived in the New Orleans area of the park. It was named “ The Screamin’ Delta Demon”. A second, yet more subtle park gate was also added adjacent to the parking lot as well for the 1984 season. As the 1980’s pressed on, the park would face an issue that it never really had to deal with before…competition. As I had mentioned earlier the park had faired well during the 1970’s and early 1980’s because, while other attractions did exist in Tennessee and it’s surrounding states, there we’re no direct competitors that equal to Opryland USA using te same model. But that was about to change with the opening of kentucky Kingdom in Louisville, Kentucky and the former Silver Dollar City in Pigeon Forge, Tenessee rebranded and improved to become Dollywood, a partnership between the Herschend Brothers and singer, songwriter and actress Dolly Parton. Now with two other parks within driving distance and both competing for Opryland’s guest’s the park stepped up it’s game by committing to making annual changes to retain it’s local and out-of-town guests and adding major attractions such as the General Jackson Showboat (which still continues to operate to this day near Opry Mills), they also added new roller coasters and water rides until the end of the decade with the opening of the “Chaos” roller coaster.  In 1992 the Chevy-Geo Celebrity Theater opened and for two seasons the performances here were included with the regular park admission. Then in 1994 and 1995 the park began up-charging guests for the concerts held in the theater. Then in a short-lived attempt to capitalize on the success and revenue of the Chevy-Geo Celebrity Theater, Opryland added two more venues; Theater By The Lake and The Roy Acuff Theater each, receiving renovations and expansions, and added them to the concert series and billing it as Nashville On Stage. However, it turned out to be “too much of a good thing by creating more supply than there was demand for the live entertainment” and due to the lackluster sales the multi-venue concert series was moved back to the Chevy-Geo Celebrity Theater serving as the single concert venue inside the park. Many other things were promoted to bring visitors to the park such as the taping of several weeks of the popular Mark Goodson Game Show “Family Feud” featuring some of the biggest stars in country music at the time including, just to name a couple, the Mandrell’s and the Statler Brothers. Also in reference to TNN’s coverage of NASCAR and Opryland’s designation with NASCAR the annual “TNN Salute to Motorsports” would take place one weekend a year at the park starting in the early 1990’s and continuing until the parks final closing. Large events were held in the late years of the park, for example the Grizzly River Rampage was used as a course for the NationsBank Whitewater Championships, which (in 1995 alone) served as a qualifier for the 1996 Summer Olympics in Atlanta. After the events were completed, the course was drained and a temporary Halloween attraction—"Quarantine", tied into the storyline of the neighboring indoor roller coaster "Chaos"—was constructed in its bed and would run during the halloween season from1995 through 1997. In 1995, in what would come to be the final large attraction would open at the park, The Hangman roller coaster was opened. Also starting in 1994, Gaylord began investing heavily in the rejuvenation of the downtown Nashville entertainment district. The company renovated an old and dilapidated Second Avenue building into what became the Wildhorse Saloon and was also behind the major rennovation and reopening of the Ryman Auditorium. With the investment made in the downtown entertainment district they began to offer a water taxi service between the downtown district and the theme park and solidified the connection between the two areas by renaming the theme park as Opryland Theme Park and using the existing name of Opryland USA as the figurehead name for all of Gaylord Entertainment’s Nashville properties. Now with all of the investment going into the area and a new coaster for the park you would think that would signal good things for the future of the park but short-sighted planning and baseless decisions would soon signal the beginning of the end for Opryland theme park. For a moment, we’re going to step back in time to 1993. At the time the theme park had grown to 200 acres in size. Let’s put that in perspective. For those of us who are familiar with Disney’s theme parks let’s compare Opryland Theme Park’s 200 acres  to Walt Disney’s Magic Kindom Park coming in at approxamately 142 acres or Disney’s Hollywood Studios Theme Park at 154 acres. Granted EPCOT is over 100 acres larger at 300 acres but I think you get the picture. Opryland at the time was not a small theme park by any means and still needed room to grow. However, that was not to be. A project that would put the final nails in the preverbial coffin for the theme park was to be called “The Delta” and it would be started in 1993 and would open in 1996. The project was huge, in fact it was the largest construction project up to that point in Nashville’s history. It would add a massive new atrium, 1,000+ guest rooms and a new convention center to the Opryland hotel. It  would also come to occupy almost every single square foot of land that would have allowed the theme park to grow and evolve. Coming back to late 1995, the Gaylord company management at the time had turned a scutinizing eye towards the theme park, and perhaps a bit of predjudice. Nashville’s climate while pleasant throughout the majority of the year, prrevented the park from operating during the winter except for a short run during the Christmas season. The park was also only able to open on weekends during the spring and fall. But the park was open daily during the summer season. According to reports, it was shown that attendance to the parks did somewhat plateau throughout the 1990’s. However, the actual number of visitors to the park made the park profitable, but obviously not profitqable enough for the executives running the company at the time. In 1997 Gaylord management decided that a move back towards it’s core hospitality business was in it’s best interest and in keeping with this directive, it was decided that the Opryland Theme Park property would no longer make a return on investment equal to what was desired for it’s properties and was unlike to do so in the future. Which in light of the consuption of property from the construction of The Delta, seemed to be a self –fufilling prophesy. Either way, one thing was clear, Opryland Theme Park’s journey was coming to an end. In 1996, a third park gate was finally added near the "Chaos" roller coaster, which allowed pedestrian traffic between Opryland Hotel and Opryland Themepark for the first time in the parks history. Previously, hotel guests wishing to visit the amusement park would have to take a shuttle running back and forth between the hotel and the entrance of the park. At the end of 1997 the "Christmas in the Park" season was promoted as "one last chance" for the residents of Nashville to see Opryland Theme Park, but guest arrived to find that only a very small portion of the park was open for the season, many of the larger attractions were already being dismantled. Then abruptly on December 31, 1997 the gates were locked and Opryland USA began to fade from reality into history. As it so often happens in the wake of closing an amusement park, efforts were made to sell off the larger rides and attractions to other parks to recoup as much revenue as possible from the dying park and in some cases they succeeded in others, deals went bad leaving some dismantled rides to either sit in outdoor storage and deteriorate or being sold off for scrap… an end not befitting the memories, laughter and fun times that they had generated for so many years before. The park site was cleared and paved over and relegated to serving as the parking lot for Opry Mills and the Grand Ole Opry House while construction of the mall took place on the site of the Theme Park’s parking lot. Opry Mills opened in May of 2000. But for a time some vestiges of the park remained, as a few still do today for those who know where to look. A long, short concrete levee wall that once separated the State Fair, The New Orleans and the Riverside areas is still visible and from the McGavock Street entrance you can still see the remains of the embankment which once supported the rails for Opryland’s railroad. The administration building that was located however briefly outside the gates of the park was moved near the Cumberland landing docks and serves as offices for the General Jackson and the Music City Queen riverboats. Quite a bit of the Opry plaza area remains intact and for that matter open for business. The Roy Acuff Theater, The Grand Ole Opry Museum, and of course The Grand Ole Opry House herself have remained in regular use before, during, and after the demolition of the park. It should be noted as well that the Grand Ole Opry show also returns yearly for a limited seasonal run at it’s original home at the Ryman Auditorium.  The buildings that once housed Roy Acuff’s and Minnie Pearls Museum became administrative offices for WSM radio and as for the Gaslight Theater it is still the only building that is still standing from inside the gates of the them park and has been used for Gaylord’s annual ICE! exhibit for a time, as a rental facility for television production, and for various other events. Though all of the rides had long since gone, the man-made channel for Grizzly River Rampage remained as a visible reminder of the park for fourteen years until Gaylord, in clearing the area for a new events center razed the course…and with that the last recognizable feature of Opryland Theme Park was gone. While many people have called for the park to be rebuilt, it was not to be. The time of Opryland Park had pasted. For it is now, like so many other parks ever to remain destined to operate only in the memory of those who can’t forget the fun they had in Opryland, USA. Thank you for joining us for this episode of Echoes Of Laughter. You can listen to this show as well as all of our other shows by visiting us at our website at: ithrivehere.com and of course at echoesoflaughter.com. Please remember that if you like our shows we ask that you subscribe to them and give us a positive rating on iTunes, after all that is how other people are able to find our shows as well. 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