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Worksite Disability
Income Insurance

MassMutual offers individual disability income insurance on a worksite basis to employees who meet eligibility requirements.


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Group long-term disability plans provide basic income protection. The typical plan replaces about 60% of an employee’s base salary, does not cover bonus and incentive income and provides a benefit that is taxable.*

Benefit managers may wish to consider offering individual disability income (DI) insurance to help reduce the gap between pre- and post-disability income.

Features Available Only through the Worksite
Employees often look first to their employer for benefit options. You can help provide disability income protection through individual DI insurance with features available exclusively through the worksite.

- Simplified underwriting for eligible employees.
- Premium discount off MassMutual’s standard rates.

Portable Coverage
Employees can take the coverage with them if they leave your company and still retain the premium discount.

Cost-Neutral Solutions
There is no cost to your company to offer coverage to your employees. It is offered on a voluntary basis; employees pay the premium.

Companies may choose to provide employer-paid coverage to select employees as part of their executive benefits package.

Full Implementation Support
MassMutual’s implementation expertise removes the administrative burden from human resource departments and benefit managers. All we need from you is your support and we’ll take care of the rest:

- Dedicated team of specialists for every case
- Comprehensive and customized communication choices
- Robust online and paper application options.
- Group and one-on-one employee assistance
- Daily activity tracking and case reporting

Let individual disability income insurance increase your benefit offerings, not your to-do list.



*Source: 2013 Employer Perspectives on Disability Income study, MassMutual and the Society for Human Resource Management.

The information provided is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

This policy has 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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© 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved.