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.

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A.M. Best ratingA+
BBB ratingA+
Company info“MassMutual was founded on May 15, 1851. And from the beginning, we’ve had a single purpose: to help people secure their future and protect the ones they love. More than 160 years later, that commitment remains our guiding principle. It’s behind everything we do and every decision we make. It’s how we continue to deliver products and services to help our policyowners and customers achieve their financial goals, and protect those who matter most.”


Evaluation3.5/5 - One of the strongest carriers, MassMutual offers a great product for high-income earners and includes the potential for dividends.
Application process2/5
Customer service4/5

Base 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*

Waiver of PremiumNo premiums once claim is approved.
Presumptive Total DisabilityPresumes total disability if you lose sight, hearing, speech, hands, or feet. No elimination period and full benefit paid regardless of employment.
Rehabilitation BenefitVocational training and education to help return to work.
Recurring DisabilityElimination period waived if a new disability is related to a previous claim.
Automatic Benefit Increase RiderAutomatically increases the monthly benefit for the first five years without underwriting, unless declined.
DividendsAfter five years, policy is eligible to participate in non-guaranteed dividends.

Additional Riders Available*

Catastrophic Disability Benefit RiderAn additional monthly benefit is paid if you cannot perform 2 or more Activities of Daily Living.
Cost of Living Adjustment RiderIncreases the monthly benefit while on claim.
Extended Partial Disability Benefit RiderExtends benefits paid for loss of income beyond 24 months.
Future Insurability OptionLets you increase the coverage on an annual basis, with no medical underwriting.
Group Supplement RiderProvides additional return to work benefits.
Own Occupation RiderChanges the definition of disability to True Own Occupation.
RetireGuardAn additional monthly benefit paid to replace retirement contributions.
Social Insurance RiderPart of the monthly benefit could be reduced if you qualify for social security disability.
Student Loan RiderPays an additional benefit, up to $2,500 per month, to cover qualified student loans.
Short-Term Disability Benefit RiderPays a benefit for a short term during waiting period of group plans.

*Subject to availability based on individual applicant’s personal profile.