The Hartford
®
is The Hartford Financial Services Group, Inc. and its subsidiaries.
Form PA-9597 Page 5 of 6
Fraud
For any Applicants that do not reside in the following states: Alabama, Colorado, District of Columbia, Florida, Kentucky, Maine,
Maryland, New Jersey, Oregon, Pennsylvania, Puerto Rico, Tennessee and Washington: Any person who knowingly presents a false or
fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and
may be subject to fines and confinement in prison.
For residents of Alabama: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents
false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any
combination thereof.
For residents of Colorado: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the
purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages.
Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a
policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award
payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
For residents of District of Columbia:
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly
presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
For residents of Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an
application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
For residents of Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim
or an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact
material thereto commits a fraudulent insurance act, which is a crime.
For residents of Maine, Tennessee and Washington: It is a crime to knowingly provide false, incomplete or misleading information to an
insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines and denial of insurance benefits.
For residents of Maryland: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who
knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in
prison.
For residents of New Jersey: Any person who includes any false or misleading information on an application for an insurance policy is subject to
criminal and civil penalties.
For residents of Oregon: Any person who knowingly and with intent to defraud any insurance company or other person files an application for
insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact
material thereto that the insurer relied upon is subject to a denial and/or reduction in insurance benefits and may be subject to any civil penalties
available.
For residents of Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application
for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any
fact material hereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
For residents of Puerto Rico: Any person who knowingly and with the intention of defrauding presents false information in an insurance
application, or presents, helps, or causes the presentation of a fraudulent claim for the payment of a loss or any other benefit, or presents more than
one claim for the same damage or loss, shall incur a felony and, upon conviction, shall be sanctioned for each violation with the penalty of a fine of
not less than five thousand dollars ($5,000) and not more than ten thousand dollars ($10,000), or a fixed term of imprisonment for three (3) years, or
both penalties. Should aggravating circumstances be present, the penalty thus established may be increased to a maximum of five (5) years, if
extenuating circumstances are present, it may be reduced to a minimum of two (2) years.
PRE-EXISTING CONDITIONS LIMITATION – Applicable to Accident and Health Insurance Only – For Residents of NY
With respect to group disability insurance, I understand that the policy/certificate may include a pre-existing condition provision that limits or excludes
coverage for a period of time if I have a pre-existing condition as defined on the date my coverage becomes effective. I also understand that I may
obtain additional information regarding this provision by referring to the group policy and/or certificate.