Frequently Asked Questions

MassMutual’s products do not exclude pandemic events such as the coronavirus (COVID-19). We adjudicate each claim based on its unique facts and circumstances and pursuant to the terms and conditions of the policy, the same as we do for any other death or disability.

MassMutual continues to support our customers while balancing the increased need to accommodate a remote workforce. Please contact our Service Center to discuss your available options. Contact us.

No, the changes made to the Federal Reserve interest rates do not affect the loan interest rates on MassMutual products.

To be eligible for benefit payments, the insured must be disabled as defined by the policy and must satisfy the elimination period. For most MassMutual Disability Income policies, this means that the Insured has a sickness or injury that prevents or limits them from performing the main duties of their occupation and is under a doctor’s care. It is best to review the policy for the specific definition(s) of disability.

MassMutual adjudicates each claim based on its unique facts and circumstances. Insureds under quarantine and not ill likely would not meet the definition of disability. Claims from insureds who have symptoms would be assessed to determine eligibility for benefits based on the terms of their policy, the same as we would for any other illness.

Over the life of a disability policy, circumstances may arise where the insured is no longer actively engaged in the workforce. These circumstances can come about either voluntarily or involuntarily, where, for example, the insured might become a homemaker, a caretaker, a student, a retiree, unemployed, laid off, or take a sabbatical.

When considering a claim submitted by an insured who is not actively engaged in the workforce at the onset of a disability, a full evaluation will be made of his or her unique circumstances, including an occupational history.

MassMutual believes that every claim must be analyzed individually with due regard given to the particular facts, the provisions of the specific policy at issue and applicable state laws.