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Disability Income Insurance

Disability insurance is often used by businesses as an effective tool for their protection planning strategies. Disability income insurance can help replace a portion of an income, either an owner’s or an employee’s, should they become too sick or hurt to work. For many employers, offering supplemental individual disability income insurance to employees is a great way to help you recruit, reward, and retain the valuable contributors of your organization.


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What is disability income insurance?

Individual disability income insurance is used to supplement employer-provided group long-term disability benefits.

How is disability income insurance used?

For businesses, disability income insurance can be used to provide a meaningful benefit to employees. It can also be used to keep the business up and running in the event of an owner’s disability, or to provide multiple owners with a buy-out option in the event of a disability.

What are the benefits of disability income insurance?

Offering supplemental disability income insurance to employees is often a great way to recruit, retain and reward employees. For business organizations, disability income can help cover overhead expenses in the event the owner becomes totally disabled.

How can disability income insurance help meet your business needs?

For Business Owners

For Employers / Benefit Managers

Prefer to speak to someone about disability income insurance?

Disability income insurance policies have exclusions and limitations. For costs and complete details of coverage call your agent or MassMutual at 1-800-272-2216 for a referral to an agent.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001 and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082.

Principal Underwriters: MML Strategic Distributors, LLC and MML Investors Services, LLC, Members FINRA ( and SiPC ( MML Strategic Distributors, LLC and MML Investors Services, LLC are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.


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