Mass Mutual Financial Disability Insurance Claims (Ep. 11)

Disability insurance attorneys Gregory Dell and Cesar Gavidia of Attorneys Dell & Schaefer discuss Mass Mutual Disability Insurance Company and their handling of long term disability insurance claims.

Unlike many other long term disability insurance companies, Mass Mutual usually handles their long-term disability claims in a reasonable manner. Most of the Mass Mutual policies are actually lost of income policies, so if the insured returns to any form of work, then the monthly benefit can be reduced. Mass Mutual has sold "own-occupation" riders, but not every policy comes with this rider. In this video, our disability lawyers discuss the compleities of the standard definition of disability found in most Mass Mutual long term disability policies.

Additionally, we discuss the defintion of "Income" contained in the Mass Mutual long term disability policy. Claimants must consider if they can continue to earn a share in a business and collect their full monthly disability benefit.

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Our nationwide disability insurance attorneys have represented thousands of disabled claimants with their claims for either short term disability, long term disability, or long-term care benefits against every major disability insurance company. We do not charge any fees or costs unless we are able to recover benefits.


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[DisabilityAttorneys]

Thanks for your comment. Not every Mass Mutual contract is the same and it depends on the specific policy language and riders contained in the policy.

[bjordan]

The contract does not change with job changes. If you're an attorney today and apply for a individual disability policy, and are approved with no limitation, that policy is yours and cannot be changed or cancelled (age 65 or 67 is the max age in most states). However say 5 years from buying the policy you want to stop being an attorney and want to purchase a fast food franchise. In that senario your policy WILL NOT CHANGE. If you become disabled it will use your current job, not the orignal occ