MassMutual Disability Insurance Review

MassMutual, one of the long-standing insurers in the nation, offers disability insurance that’s a great fit for high-income earners looking to earn dividends.

Tim Torres

By

Tim Torres

Tim Torres

Reviews Editor

Tim Torres is a reviews editor at Policygenius, where he specializes in life insurance, homeowners insurance, auto insurance, and more. His work has also appeared in PC Mag, Tom's Guide, Tech Times, and elsewhere.

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Policy Details

Product nameRadius
Elimination period60 days, 90 days, 180 days, 365 days, 730 days
Benefit period2 year, 5 year, 10 year, Age 65, Age 67, Age 70
Definition of disabilityOwn Occupation not working (True Own Occupation available with rider)
GuaranteeGuaranteed Renewable and Non-cancelable
Partial/residual disabilityBasic Partial Disability

Built-in features

  • Automatic benefit increase rider. Automatically increases the monthly benefit for the first five years without underwriting, unless declined.

  • Dividends. After five years, policy is eligible to participate in non-guaranteed dividends.

  • Presumptive total disability. Presumes total disability if you lose sight, hearing, speech, hands, or feet. No elimination period and full benefit paid regardless of employment.

  • Recurring disability. Elimination period waived if a new disability is related to a previous claim.

  • Rehabilitation benefit. Vocational training and education to help return to work.

  • Waiver of premium. No premiums once claim is approved.

Available riders 

  • Catastrophic disability benefit rider. An additional monthly benefit is paid if you cannot perform two or more activities of daily living.

  • Cost of living adjustment rider. Increases the monthly benefit while on claim.

  • Extended partial disability benefit rider. Extends benefits paid for loss of income beyond 24 months.

  • Future insurability option. Lets you increase the coverage on an annual basis, with no medical underwriting.

  • Group supplement rider. Provides additional return to work benefits.

  • Own occupation rider. Changes the definition of disability to True Own Occupation.

  • RetireGuard An additional monthly benefit paid to replace retirement contributions.

  • Social insurance rider. Part of the monthly benefit could be reduced if you qualify for social security disability.

  • Student loan rider. Pays an additional benefit, up to $2,500 per month, to cover qualified student loans.

  • Short-term disability benefit rider. Pays a benefit for a short term during waiting period of group plans.

Available riders may vary by state and individual application.

Ratings

One of the strongest carriers, MassMutual offers a great product for high-income earners and includes the potential for dividends.

  • Evaluation: 3.5 / 5

  • Contract: 4 / 5

  • Application process: 2 / 5

  • Customer service: 4 / 5

  • Underwriting: 4 / 5

Company Info

  • Founded: 1851

  • A.M. Best rating: A+

  • BBB rating: A+

Author

Reviews Editor

Tim Torres

Reviews Editor

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Tim Torres is a reviews editor at Policygenius, where he specializes in life insurance, homeowners insurance, auto insurance, and more. His work has also appeared in PC Mag, Tom's Guide, Tech Times, and elsewhere.

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