Disability Income Insurance

 

What would happen if I suddenly had to stop working?

Consider whether your savings could cover fixed expenses

Personal savings, Social Security Disability Insurance or employer–sponsored group long-term disability (LTD) plans are great resources if you become disabled, but they could supply less than you’d expect. That gap would not only affect your day-to-day quality of life, but could also impact your ability to reach your financial goals.

Review your expenses to determine the right coverage

Everybody’s situation is unique, so we suggest you review your monthly living expenses, plus additional budget items, like saving for retirement or college funds. Think about everything you need your income to do for you.

What happens if I can’t work?

With an individual disability income insurance policy from MassMutual, the hope is that you’ll never need to use it. However, if you became too sick or hurt to work and your claim was approved, our disability benefits claims professionals would help guide you through your rehabilitation, recovery and return to work. We understand how important it is to provide you with supportive and efficient service during such a difficult transition in your life. When you file a claim, a personal claims representative will guide you through the benefit process, working with you, your attending physician and your employer to gather all information necessary to make a decision on any benefits due under your coverage. Resources from our claim department can help you as appropriate to get back to a suitable form of productive work. When you’re ready to return to work, you’ll have access to appropriate assistance and rehabilitation services, including:

• Vocational/career counseling

• Vocational assessments

• Job development and placement

• Transferrable skills analysis

• Onsite job analysis

For those individuals whose claim is appropriate, we can provide information and resources that may be helpful in your application and acquisition of Social Security Disability Insurance (SSDI) benefits.

It is not uncommon for people to assume that most disabilities are the result of accidents. In reality, the majority of disabilities people suffer are due to various forms of illness. Think of disability income insurance as a strategy that can replace a portion of your income to help cover your expenses if you become disabled and can’t work.  We can help you decide.