Mass Mutual Disability Help

Mass Mutual Disability Lawyer Representation for Your LTD Insurance Claim

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.

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

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

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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.

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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 >

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Answered Questions by Our Lawyers

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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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Helpful Videos

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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 or a ph... 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 >

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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 >

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Disability Lawsuit Stories

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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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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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