Our Disability Lawyers Help You Collect Mass Mutual Benefits

Mass Mutual is one of the largest private disability and long term care insurance companies in the country. Our long term disability insurance lawyers have helped hundreds of individuals to obtain disability benefit and long term care benefits from Mass Mutual. We deal with Mass Mutual on almost a daily basis so we are intimately aware of everything that is required in order for them to approve a claim. The vast majority of Mass Mutual claims we handle are private disability claims which are not governed by ERISA. Most Mass Mutual claimants we represent are doctors, lawyers, executives and other business professionals.

Please watch our videos on this page in which we discuss our experience in handling claims against Mass Mutual. Our disability lawyers are available to help claimants at any stage of a claim for benefits, which includes applying for benefits, denial, appeal, or lump sum buyouts of a policy.

Contact any of our disability lawyers for a free initial phone consultation. We are available to assist you nationwide.

Mass Mutual Comments, Reviews, Complaints

We regularly update information on this page about Mass Mutual and we welcome you to share your feedback with us about Mass Mutual. We have created this page where insureds can post reviews and comments about Mass Mutual disability or long term care claims. Our attorneys respond to most comments posted by our visitors.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Mass Mutual Appeal Package

We work with you, your doctors, and other experts to submit a very strong Mass Mutual appeal.

Submit a Strong Disability Insurance Appeal

Sue Mass Mutual

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Mass Mutual.

Sue Your Disability Insurance Company

Protect Your Benefits
Get Your Mass Mutual Disability Application Approved
We help claimants throughout the entire application process.

Apply for Mass Mutual Disability Insurance Benefits

Prevent a Mass Mutual Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

Monthly Handling of Your Disability Claim

Negotiate a Mass Mutual Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

Long Term Disability Buyout

Mass Mutual Reviews
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Mass Mutual

I would not trust MassMutual in any service they offer 

Reviewed by Madeline on April 16th 2015   Verified Policyholder
I would not recommend MassMutual for any of your insurance needs. I purchased a Disability Income Insurance policy offered by my employer through MassMutual many years ago... read more >
Reply
Sent on April 16th 2015 by Attorney Stephen Jessup

Madeline, please note that entitlement to disability benefits is never guaranteed, as such an insurance carrier will review your claim to determine ongoing eligibility.... read more >

Answered Questions by Our Lawyers
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Showing 6 of 6 Answered Questions

Q: Will Mass Mutual pay my disability claim if I become disabled while on unemployment?

A: LisaYour husband has a complicated fact pattern and you should call us to discuss the claim. You may still... Read More >

Q: Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier

Answered on April 21st 2023 by Attorney Gregory Dell
A: Jim, Guardian / Berkshire prior to 2021 was one of the best disability companies. They had some management cha... Read More >

Q: I have submitted my application for long term disability to Mass Mutual and I want to know how long it should take them to make a decision?

Answered on January 2nd 2023 by Attorney Steven Dell
A: Dr. Stein. This is a great question and it depends on multiple factors. In most cases Mass Mutual and all of t... Read More >

Q: Can MassMutual deny my claim based on a pre-existing condition?

Answered on January 9th 2018 by Attorney Stephen Jessup
A: Monique, it will depend on the language in the policy as it relates pre-existing conditions. When a claim is f... Read More >

Q: Can MassMutual deny my claim due to an issue not included in my physician's formal diagnosis?

Answered on September 12th 2014 by Attorney Stephen Jessup
A: Jimmy, Unfortunately, Mass Mutual is within their rights to decline to provide insurance coverage as they see ... Read More >

Q: Can I get a lump sum buyout? Should I hire an attorney?

Answered on May 21st 2014 by Attorney Stephen Jessup
A: Skip, Please feel free to contact our office to discuss how we may be able to assist you in securing a lump su... Read More >
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Disability Benefit Tips
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Mass Mutual Financial Disability Insurance Claims

In this episode 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 ma... Read More >

Why does Mass Mutual want to hide its disability insurance claim forms?

Mass Mutual, an insurance company that sells long term disability insurance products, recently hired the international law firm of Shutts & Bowen in an effort to prohibit Disability Insurance Attorneys Dell & Schaefer from displaying blank Mass Mutual long term disability insurance claim forms on their website. More specifically, Mass Mutual hired attorney Jeffrey Landau, one of the leading insurance d... Read More >

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >
Dell Disability Cases
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Anesthesiologist Approved for Long Term Disability Benfits Plus an Extra 9 Months of Benefits

Our client, an Anesthesiologist, suffered a fall at his home which resulted in rupturing his left quadriceps tendon requiring him to undergo surgery the following day. For the next month and a half, he underwent extensive recovery and rehab in his attempt to return to work. Believing he had sufficiently recovered; he made a return to work on a reduced schedule b... Read More >

Mass Mutual Approves Long Term Disability Benefits For an Oncologist That Suffered Stroke

Our client was a well respected, dedicated Oncologist who had managed his own medical practice for many years. In an area of medicine where there is more heartbreak than not, where the steady guidance of a doctor helps navigate patient and family alike through the battle with life threatening cancer, our client stood out. It was his life's passion to wage a battle against cancer, and he never envisioned the da... Read More >

Mass Mutual approves long-term disability benefits of $12,000 a month for a financial advisor suffering from musclar dystrohpy (FSHD)

Our client, a financial advisor, was first diagnosed with fascioscapulohumeral muscular dystrophy (FSHD) in 2002. FSHD is a neuromuscular disease which causes progressive skeletal muscle loss and weakness, defects in the biochemical, physical and structural components of muscle and the death of muscle cells and tissue. FSHD is a severely disabling condition and is the second most prevalent muscular dystrophy a... Read More >

Mass Mutual attempts to deny disability benefits to OBGYN after ten years on claim

Our Client, an OBGYN from New York, suffered significant spinal injuries following a fall from his horse. Total Disability benefits were paid for approximately 10 years without question. As part of his physical therapy and to prevent further degeneration of his spinal cord, back muscles and leg muscles, his doctor advised him to lift weights. During one of the insurer's regular disability surveillance observat... Read More >

Seven Surgeries and The Standard Still Denies Disability Insurance Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She sought disability through her employer provider LTD Policy with Standard due to low back, hip, and lower extremity pain. She had two hip, two knee and three back surgeries.After paying her for 1.5 years Standard hired a board-certified neurologist to perform a review ... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for many years.  Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >

Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed

Our client, a registered nurse for Dignity Health, found herself in a difficult situation after being diagnosed with lumbar spondylosis and left knee arthritis. She continued to work, however, struggled while attempting to work through chronic lower back pain and left lower extremity radicular symptoms on a daily basis. Sadly, her condition failed to improve and... Read More >

Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision

The claimant is an 64 year old former Corporate Attorney and at a prominent Florida business law firm who was forced to cease working in his highly successful and rewarding profession, job, and career on January 27, 2021, and to seek disability compensation under his policies with Lincoln due to severe symptomatology stemming from or following a viral COVID-19 i... Read More >
Disability Lawsuit Stories
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Showing 8 of 765 Lawsuit Stories

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of health information services at Integrity Health Care when she stopped working on August 7, 2017. She brought claims for benefits under an LTD insurance policy and a waiver of premiums under a life insurance policy.In order to be approved for LTD benefits, Plaintiff ... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This case supports all claimants that are disabled and claim that they cannot return to work as the requirements of their job will aggravate their symptoms and make them unable to work.Mark was a personal injury litigation attorney, when he began struggling with symptoms of... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly terminated Ferrin’s claim for long term disability benefits and ordered Aetna to reinstate Ferrin’s claim and pay all past due benefits with interest. Prior to filing for long term disability Ferrin was an employee of Southwest Airlines. In 2008, while at work, she suf... Read More >

Court Finds Irregularities in Procter & Gamble Disability Insurance Benefit Denial

In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limited to considering only the administrative record that was before the plan administrator. The case of Robert Stallings v. The Proctor & Gamble Disability, Committee, et al., is an example of how plaintiffs with cases filed in a District Court that is under the jurisdi... Read More >

Federal Judge Makes Companion Life Insurance Pay Disability Benefits

Companion Life tried to play games and deny disability insurance benefits, but thankfully a New Mexico Federal Judge made them pay disability benefits and attorney fees. The Plaintiff, Mr. Paul Chandhok, was recently awarded disability benefits in a decision by The United States District Court for the District of New Mexico, in a case decided on August 13, 2021. What makes this decision important for plaintif... Read More >

NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision

In Darren Mickell v. Bert Bell/Pete Rozelle NFL Players Retirement Plan (Plan), Mickell spent nine years in the NFL as a defensive end. He was repeatedly subjected to high speed contact hits which caused multiple orthopedic injuries to his “back, ribs, shoulders, arms, hands, knees, hips, legs, and feet." He had multiple orthopedic surgeries. Mickell also sustained multiple blows to his head t... Read More >

Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable

In Anne Ehlert v. Metropolitan Life Insurance Company (MetLife), Ehlert was a consulting pension actuary for pension plans at Towers Watson. Her first day of work with Towers was September 8, 2003. Her last day of work was December 23, 2015. In August 2016, she applied for long-term disability (LTD) benefits under her employer’s disability insurance benefit plan which was administered by MetLife.In thi... Read More >

Can Standard Insurance Company’s Failure to Raise an Issue be Considered a Waiver?

The case of Jose Chavez v. Standard Insurance Company has quite a history with the United States District Court for the Northern District of Texas, Dallas Division. It began in September 2016 when Standard first began paying long-term disability benefits to Chavez. He had several operations on his wrist and was no longer able to perform the duties of his own occupation.Standard terminated his ben... Read More >

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our attorneys for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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