|Elimination period||60 days, 90 days, 180 days, 365 days, 730 days|
|Benefit period||2 year, 5 year, 10 year, Age 65, Age 67, Age 70|
|Definition of disability||Own Occupation not working (True Own Occupation available with rider)|
|Guarantee||Guaranteed Renewable and Non-cancelable|
|Partial/residual disability||Basic Partial Disability|
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.
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.
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
A.M. Best rating: A+
BBB rating: A+