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.
Resources to Help You Win Disability Benefits
Submit a Strong Mass Mutual Appeal Package
We work with you, your doctors, and other experts to submit a very strong Mass Mutual appeal.
Sue Mass Mutual
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Mass Mutual.
Get Your Mass Mutual Disability Application Approved
Prevent a Mass Mutual Disability Benefit Denial
Negotiate a Mass Mutual Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
I would not trust MassMutual in any service they offerÂ
Reply
Q: Will Mass Mutual pay my disability claim if I become disabled while on unemployment?
Q: Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier
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?
Q: Can MassMutual deny my claim based on a pre-existing condition?
Q: Can MassMutual deny my claim due to an issue not included in my physician's formal diagnosis?
Q: Can I get a lump sum buyout? Should I hire an attorney?
Mass Mutual Financial Disability Insurance Claims
Why does Mass Mutual want to hide its disability insurance claim forms?
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Anesthesiologist Approved for Long Term Disability Benfits Plus an Extra 9 Months of Benefits
Mass Mutual Approves Long Term Disability Benefits For an Oncologist That Suffered Stroke
Mass Mutual approves long-term disability benefits of $12,000 a month for a financial advisor suffering from musclar dystrohpy (FSHD)
Mass Mutual attempts to deny disability benefits to OBGYN after ten years on claim
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Sun Life Wrongfully Denies Disability After Paying For 23 Months
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision
Reviews from Our Clients






