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 manner. Most of the Mass Mutual policies are actually lost of income policies, so if the insured returns to any form of work, then the monthly benefit can be reduced. Mass Mutual has sold “own-occupation” riders, but not every policy comes with this rider. In this video, our disability lawyers discuss the complexities of the standard definition of disability found in most Mass Mutual long term disability policies.
Additionally, we discuss the defintion of “Income” contained in the Mass Mutual long term disability policy. Claimants must consider if they can continue to earn a share in a business and collect their full monthly disability benefit.