Disability Income Insurance


Disability insurance is also called disability income (DI) insurance. If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions. It’s important to know that even if you have group long-term disability insurance through your employer, it may not be enough.











Who should consider disability income insurance?

Disability income insurance can help you protect 45 percent to 65 percent of your income should you become too sick or hurt to work. So if you have people who depend on you financially, college tuition to cover, and mortgage payments to make, you should consider disability income insurance.




Disability income insurance features and benefits


Income protection

Your income is most likely your biggest asset. Without it, it would be hard to support yourself and your loved ones financially, as well as keep your future plans on track. Individual disability income insurance can help you stay on track by protecting a portion of your income.


Retirement protection

If you become too sick or hurt to work, individual disability income insurance may help you avoid using your retirement savings to cover income gaps. You may also be able to purchase a DI policy to help you continue saving for retirement while you’re disabled.


Customizable coverage

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.







What is the process for getting a disability income insurance policy?

Illustration - video conference call

When you work with a financial professional, you can expect:

    • Analyze
    • During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.

    • Recommend
    • After looking at your entire financial picture, your financial professional will provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.

    • Purchase
    • If you're satisfied with their recommendations, they can help you apply for coverage that can protect your financial future.

    • Review
    • Your financial professional will work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.

Contact a Financial Professional




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.