| With several individual disability income insurance coverage options from MassMutual, employees may add a rider (available at an additional cost) to supplement a company-sponsored group long-term disability (LTD) plan. The employee would then become eligible for benefits if they return to work in either their own or another occupation on a limited basis due to a sickness or injury. The employee may even opt to receive a benefit if working full time with an income loss.
As a result, employees will always have a higher income working instead of remaining totally disabled, while employers benefit from greater productivity and effectiveness in meeting business objectives.
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