Disability Income Insurance

    Like most people, you may have a range of financial obligations you’re responsible for, such as rent or a mortgage, retirement savings and everyday expenses. If you become disabled, you’ll still need to fulfill your commitments and provide for your loved ones. Even if you have group long term disability income insurance through your employer, it may not be enough. Individual disability income (DI) insurance may help protect more of your income if you become too sick or injured to work for an extended period of time.

     Watch The Basics: Disability Income Insurance

    Income Protection

    When you add up your income throughout your career, it will most likely be your single biggest asset. Without it, your ability to support yourself and your loved ones, as well as the future you envision, may be in jeopardy. With so much at stake, it’s important to help protect a portion of your income with DI insurance.

    Retirement Protection

    You've worked hard to save for retirement, so it's critical to protect the nest egg you've built. Since DI insurance can help you meet your current financial obligations if you become too sick or hurt to work, you may be able to avoid tapping into your retirement savings. You may also be able to purchase a DI policy designed to help you continue saving for retirement if you become too sick or hurt to work. And while they are not a retirement plan, or a substitute for one, some DI policies may help replace an amount equal to the contributions you would have made to your retirement plan if you had not become disabled.

    Customizable Coverage

    Your life and needs may change over time. Individual disability income insurance policies may be customizable, so you can prepare for the future. For example, you may be able to choose to add a rider to your policy that allows your coverage to grow as your salary increases. Other riders may offer income protection for your specific occupation, or during a partial disability.

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

    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.


    Essential ProtectionSM

    You rely on your income for just about everything. Don’t you want to keep it safe?  Essential Protection can help you do just that using a combination of life insurance and disability income insurance.

    Life Insurance

    Life insurance offers financial protection for your family and beneficiaries when you die.

    Disability Income Insurance

    Disability income insurance pays benefits if you become too sick or hurt to work.

    Workplace Benefit Solutions You Can Take with You for Life.

    MassMutual offers a comprehensive suite of employee and executive benefit solutions that includes life insurance, disability income insurance and retirement plan services. Learn how our workplace benefit solutions can help you secure your financial future and protect the ones you love.
    Explore MassMutual Workplace Benefits

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