Question

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

Asked on May 6th 2024 by Lisa
My husband's company closed at the end of October 2023. He was a superintendent for a commercial roofing company, and was employed at the same company for almost 38 years. His income was roughly $110K. He was receiving unemployment for several months. In January 2024 our family physician ordered a brain MRI as a result of his memory loss symptoms that have been getting worse over the past year or 2. The MRI showed moderate brain parenchymal volume loss, which is an indicator of dementia. He was referred to a neurologist in March 2024. She confirmed dementia and likely Alzheimer's and advised us to file for disability. She also referred us to a cognitive neurologist who confirmed the diagnosis. My husband is under the care of both neurologists. We've had the MM disability policy for over 20 years due to roofing. We've never filed a claim It does cover mental disabilities. We have an appt on May 2nd with SS to file a SS disability claim. I want to make sure I file the MM claim truthfully, but the form does not allow me to do so because it doesn't take into consideration that my husband was unemployed, but currently looking for work until his diagnosis. Legally, must he be employed at the time of disability for MM to pay our claim, which is $2000/month for 24 months max? I am writing this on behalf of my husband. I have a durable POA to represent him.

Answer

Answered on May 6th 2024

Lisa

Your husband has a complicated fact pattern and you should call us to discuss the claim. You may still be able to file the Mass Mutual claim and they may consider the occupation he last worked in. We have handled claims with a similar fact pattern.

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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 >
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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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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.

Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. 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.

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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.

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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.

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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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