Question
Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier
Answer
Jim, Guardian / Berkshire prior to 2021 was one of the best disability companies. They had some management changes sometime during covid and we have found them to be very difficult to deal with. Recently we have seen them act like a large group disability insurance company that looks for any reason to deny a long term disability claim. I would not worry at all about the irrevocable Hippa consent. I would just make sure the consent is limited to medical records and not everything and anything such as your bank accounts, tax returns, employers, etc. You need to make sure that you get the true own occupation definition of disability offered by Mass Mutual, which allows you to be disabled from dentistry, yet collect your full disability benefits if you are unable to perform the material duties of your occupation. I would not buy Guardian now. Things could change in the future and likely they will as Guardian learns that bad claim handling is not good for trying to sell disability policies.
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