"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.

Overall, accident-related disability claims peak in the summer. But there's another spike in January for workers in the Northeast and Midwest, which is associated with winter conditions in those areas.

"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."

So how can employers help? The Hartford offers these tips:

• 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.