• Mass Mutual Disability Lawsuit and Benefit Claim Denial InformationMass Mutual Disability Lawsuit and Benefit Claim Denial Information

What Do You Need to Know When Filing a Disability Benefit Lawsuit Against Mass Mutual?

The vast majority of denied long term disability claims we see involving Mass Mutual Insurance Company are individual policies, which can provide the claimant with many more legal rights than ERISA or group disability policies. Under the terms of a Mass Mutual disability insurance benefit, claimants may receive disability benefits if they’re too injured or ill to hold down full-time employment.

But sometimes, even after disability benefits have been initially approved, a more intensive review can lead to a disability insurance denial. What should claimants know about Mass Mutual’s denial of a long term disability claim?

Top Things to Know When Filing a Disability Benefit Lawsuit Against Mass Mutual

Many long term disability insurance companies, particularly those with a heavy ERISA focus, have a reputation for denying disability claims out of hand. Mass Mutual isn’t one of them – with more resources and less employee turnover, they’re more likely to drill down into the substance of a claim before making a decision. But sometimes this meticulous review can backfire, and a claimant may find themselves facing a denied disability claim for a seemingly minor reason. 

Though individual policyholders have the right to sue Mass Mutual for breach of the insurance contract if a valid claim is denied, a lawsuit is generally a last resort. However, it’s still crucial to seek legal advice as quickly as possible to preserve your options.

It’s Important to take Immediate Action to Preserve Your Rights to a Lawsuit

You don’t want to waste time with any disability insurer, and Mass Mutual is no exception. Many Mass Mutual policies have their own statute of limitations provisions that’s even shorter than the state’s statute of limitations on contract claims. Once the statute of limitations in your disability policy expires, you may no longer be able to file a claim. Because the statute of limitations can begin running as soon as you submit your claim (not when it’s approved or denied), you may not have as much time as you think.

If Your Claim is Denied, There May Be Options Other Than Filing an Immediate Lawsuit

Unlike some long term disability companies, Mass Mutual is open to engaging in pre-lawsuit settlement negotiations, especially with law firms they’ve grown to trust. Once a lawsuit is filed, Mass Mutual is going to be spending some major bucks on attorney fees to prepare its defense, so it has an interest in heading off a lawsuit before it begins.

The Most Common Reason for Claim Denial is Mass Mutual’s Reliance on its Medical Experts

Mass Mutual often heavily relies on its medical experts and the medical records, sometimes to the claimant’s detriment. Another common reason for denial occurs if the claimant doesn’t timely submit their notice of claim. Though this is a technical issue, not a substantive problem with your claim, it still has the potential to prevent you from recovering damages. 

Mass Mutual Will Attack the Credibility of the Claimant to Support Their Benefit Denial

A claimant’s lawsuit against Mass Mutual is only as good as their credibility. If the claimant lies or hedges, even about a minor issue that isn’t relevant to the claim, Mass Mutual may challenge the claimant’s honesty in all aspects of the claim. Claimants should be prepared for this possibility and must avoid misstatements or evasive answers while under oath. A disability attorney, like the experienced attorneys at Dell & Schaefer, can help claimants prepare for trial and practice giving honest, sincere answers.

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FAQ

Do you help Mass Mutual claimants nationwide?

We represent Mass Mutual clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Mass Mutual disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Mass Mutual. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Mass Mutual.

How do you help Mass Mutual claimants?

Our lawyers help individuals that have either purchased a Mass Mutual long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Mass Mutual:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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 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 telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. 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 attorney. We can be reached at 800-682-8331 or by email. Lawyer 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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To describe my experience with Dell & Schaefer is pretty simple, I had no hope of getting any settlement from my LTD company and have been sorely miss treated. When I reached out to Dell & Schaefer I truly expected to get nothing. After several long conversations and rants with Rachel Alters, I slowly raised hope for some kind of relief. Without Rachel and her team I am convinced I would’ve received nothing from the insurance company. Rachel and her team got to know my case better than my doctors even did. I never experienced this kind of care and compassion from a legal team before. I am pleased and thrilled to recommend Dell & Schaefer, do not give up, do not despair, they will win in the end. Thank you for your support and especially the settlement.

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