• Mass Mutual Long Term Disability Claim Information
  • Mass Mutual Financial Disability Insurance Claims (Ep. 11)

Mass Mutual

Mass Mutual is one of the largest private disability and long term care insurance companies in the country. Our long term disability insurance lawyers have helped hundreds of individuals to obtain disability benefit and long term care benefits from Mass Mutual. We deal with Mass Mutual on almost a daily basis so we are intimately aware of everything that is required in order for them to approve a claim. The vast majority of Mass Mutual claims we handle are private disability claims which are not governed by ERISA. Most Mass Mutual claimants we represent are doctors, lawyers, executives and other business professionals.

Please watch our videos on this page in which we discuss our experience in handling claims against Mass Mutual. Our disability lawyers are available to help claimants at any stage of a claim for benefits, which includes applying for benefits, denial, appeal, or lump sum buyouts of a policy.

Contact any of our disability lawyers for a free initial phone consultation. We are available to assist you nationwide.

Mass Mutual Comments, Reviews, Complaints

We regularly update information on this page about Mass Mutual and we welcome you to share your feedback with us about Mass Mutual. We have created this page where insureds can post reviews and comments about Mass Mutual disability or long term care claims. Our attorneys respond to most comments posted by our visitors.

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There are 12 comments

  • Monique, it will depend on the language in the policy as it relates pre-existing conditions. When a claim is filed within 12 months of the purchase of a policy, a carrier will review the application submitted to obtain the policy to see if there was any “material misrepresentation” made on the application that would have resulted in the carrier denying coverage, excluding a medical condition, or adjusting premiums on account of a prior medical condition. That may not be the case with your situation, but it is a starting point. When you receive a copy of the denial letter please contact our office so we can discuss your situation in detail to determine if we can be of assistance.

    Stephen JessupJan 9, 2018  #12

  • Hello,

    I took out a disability insurance policy and shortly after I had a unplanned pregnancy with complications. I’m a RN and my doctor took me off work because I was unable to perform my duties. I then went to file a claim with my new insurance and it has been months. Today I was notified because I failed to acknowledge a previous back condition which I recovered from 100 percent and have no deficits they were going to probably deny my claim for pregnancy complications. Can they do that?

    They said one possibility is they will make the policy null and void and reimburse me my monthly premium I’ve been paying. I just don’t feel it’s fair for them to back out on my policy for a previous back injury because I’m having complications d/t pregnancy which has nothing to do with my back. I’m just at a loss! We get insurance in case we need it and then when we need it we can’t use the insurance! I’m just at a loss.

    MoniqueJan 8, 2018  #11

  • Antwon, we would need to see a copy of the letter from Mass Mutual as well as a copy of your policy with the application you submitted to get the policy in order to determine whether we may be able to assist.

    Stephen JessupJan 24, 2017  #10

  • Hello, my name is Antwon and I have a private disability insurance policy with Mass Mutual and recently I was injured on my job about 9 months ago so when I filed the claim I had to wait 90 days for the waiting period then after that they told me they were doing an investigation and 3 months after that they sent all my premium payments back to me in a check and said that my claim was denied because of false information on the application but also said if I cash the check ment I agreed to the terms which I have not cashed but the insurance agent that set down with me and went over my application must of mislead me to get approved for the policy. I thought that’s what the insurance agent was helping me for so I was doing it right! But I feel like he is at fought for me getting denied for my claim. Is there anything I can do about this?

    Antwon B.Jan 20, 2017  #9

  • Madeline,

    Please note that entitlement to disability benefits is never guaranteed, as such an insurance carrier will review your claim to determine ongoing eligibility. It is completely within their rights. It appears that Mass Mutual is paying your claim, so enduring their reviews is part of the process. If you would like to discuss how we can assist you in taking over the monthly claims handling please feel free to contact our office.

    Stephen JessupApr 18, 2015  #8

  • 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. Now that I have actually had to request for the policy to pay due to a debilitating neurological disease they do not want to pay. They have sent a representative directly to my home twice in two years to apparently “check” to see if I have been miraculously healed. Which, I have not, and do not anticipate being healed in this lifetime. They did not have any problem taking the premium out of my check every month for years. With this said, I would not trust them in any service they offer as a company.

    Madeline OrrApr 17, 2015  #7

  • Jimmy,

    Unfortunately, Mass Mutual is within their rights to decline to provide insurance coverage as they see fit.

    Stephen JessupSep 12, 2014  #6

  • Hi,

    My wife saw her family doctor in 2012 for a routine physical exam and made a comment to the doctor that she had “forgetfulness”. The family doctor noted that it was due to her going through menopause. There was no further testing or recommendations for “forgetfulness”. Forgetfulness or memory issues were not a formal diagnosis made by the physician. Menopause was the diagnosis.

    A few months ago, both she and I applied for LTC through mass mutual and did not expect any problems with the issuing of a policy. MM came back and flat out denied her application for LTC due to the “forgetfulness” comment made by my wife. She then went back to the family doctor after the denial and asked the doctor to write a note, which she did, that indicated the symptom of “forgetfulness” was related to menopause and resolved.

    The letter was submitted to MM and they continued to deny her application. We have since found other companies willing to issue the LTC policy.

    Is this something MM can just choose to do?

    Jimmy BrandonSep 11, 2014  #5

  • Skip,

    Please feel free to contact our office to discuss how we may be able to assist you in securing a lump sum buyout.

    Stephen JessupMay 21, 2014  #4

  • I have been fully disabled since 2002, and had very little trouble with Mass Mutual. Of course, a major reason for that is my primary disability policy is with Northwestern Mutual. NWML pays a bit over 80% of my private disability, Mass Mutual (then I was with Ct Mutual) pays around 17%. I also have Soc Sec, it having determined my status as fully disabled. NWML was very thorough, including following me around, but ultimately things worked out fine. Ditto Soc Sec, where there was surprising little trouble & things moved quickly.

    But now I’m in a quandary. I have about a decade left on my Mass Mutual, say around $95,000 total. Because of my kids approaching 18 & going to college, I’d like to do a lump sum agreement with the Mass Mutual policy. It’s simply a case of my disability coming when I was only about 70% “ready” on college planning.

    But for such a relatively small amount of money is it worth hiring an attorney? It seems unlikely the benefit (higher lump sum) could outweigh the fees. Personally, I’d be fine breaking even (i.e., lawyers can take the value of their services as shown by higher negotiated amount, or “better” present value rate used). But with only reducing $95k slicing off 25% or so for fees seems impracticable. Or am I just ignorant about the whole process?

    Skip K.May 20, 2014  #3

  • JB,

    Thank you for your comments. Has your matter with MassMutual been resolved?

    Stephen JessupJun 21, 2013  #2

  • Mass Mutual found every way possible to drag me through the bureaucracy of not having to have to pay my disability claim. I was legitimately disabled short term due to my job and they just flat out denied paying the claim due to me not being able to provide documents that just did not exist. They are a fraud and I advise anyone who is looking to take out disability insurance to stay a far away from Massmutual as possible. Jim Murray their claims advisor will take months to get back or even respond to emails.

    Complete fraud company.

    JBJun 20, 2013  #1

FAQ

Do you handle ERISA Mass Mutual appeals?

If your disability income claim has been denied by Mass Mutual and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Mass Mutual. Our law firm has handled thousands of ERISA appeals against Mass Mutual and we will prepare a very strong appeal on your behalf.

Do you help with Mass Mutual applications?

The application for disability benefits with Mass Mutual is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Mass Mutual. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Mass Mutual. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Mass Mutual.

Do you file Mass Mutual lawsuits?

If Mass Mutual has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Mass Mutual. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Mass Mutual. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Mass Mutual.

Can you help with a Mass Mutual disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Mass Mutual and we know the unreasonable denial tactics used by Mass Mutual to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Mass Mutual.

Do you manage Mass Mutual monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Mass Mutual disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Mass Mutual. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Mass Mutual. Mass Mutual only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Mass Mutual lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Mass Mutual. Our disability lawyers have established relationships with the people at Mass Mutual that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Mass Mutual. Our goal is to get you the highest buyout possible.

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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