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Example
MassMutual policy form # ICC15-XLIS-RC
Definition of Disability (Type): True Own Occupation, with medical specialty language
Elimination Period: 90 days
Benefit Period: to age 65 (psych claims are subject to a special limit of 24 months)
Options Included: Own Occupation Rider
Premium: $1,576.39 per month, level to age 65
Example
MassMutual policy form # ICC15-XLIS-RC
Definition of Disability (Type): True Own Occupation, with medical specialty language
Elimination Period: 90 days
Benefit Period: to age 65 (psych claims are subject to a special limit of 24 months)
Options Included: Own Occupation Rider
Premium: $1,674.66 per month, level to age 65
More options are available. You'll want to see all options before making a decision, with this and other products, so there is nothing to select at this time.
You have to qualify, which is a matter of occupation, employment, earnings, lifestyle and health. To find out what you are likely to qualify for, inquire below.
For lower costs and reduced medical screening, consider a group program. It would be a completely different product, not the one you see here. The minimum group size is two (2) people, working thirty (30) hours per week.
Brochures
Choosing the Right Company
Highlights MassMutual's financial ratings, history of meeting financial obligations, and the value of a mutual company.
For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
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Extended Partial Disability Benefits Rider (EPR)
Highlights how benefits are triggered and calculated under the EPR rider, which provides benefits while disabled and working. EPR is available by optional rider, for additional cost.
For use in the following states: AL AK AR AZ CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
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Protecting Your Medical Occupation
Overview of the own occupation definition of disability - with specialty language - for medical and dental occupations.
For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
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Student Loan Rider
An overview of the Student Loan Rider which protects income earmarked for student loan payments on highly affordable basis with more relaxed financial qualification.
For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
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Your Guide to Filing a Disability Claim
A preview of what to expect to get a claim started, including how to start, what documentation is required, how long it takes, and other frequently asked questions regarding disability claims.
For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
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How to Proceed
This will need to be further developed, as your personal qualifications will determine what is available to you, and at what cost. The additional information required relates to:
How you work, including any specialized work you perform within your occupation and skill sets you depend on to perform at the top of your game. To make this easy, you'll be prompted about specific things.
How established you are in your career
Career expectations, especially if a path to future upgrades is desirable
Earnings
Other existing disability coverage, if any
Lifestyle (e.g., travel habits, recreational activities)
Health
Where you are in this journey, including other inquiries, and
What underwriting requirements you prefer to avoid.
There are different ways to provide this information. You can call, answer questions by intake form or send a note. Health information cannot be provided using the intake form method. You won't have to provide any information that you don't want to, and what you do share will stay just between us.
