FAQs About MassMutual Disability Claims
How to File a Disability Claim with MassMutual
Are you preparing to file a disability claim with MassMutual? Make sure you know your rights and obligations. Under the terms of your disability insurance policy, you have a duty to notify MassMutual of your claim in a prompt manner. Please make sure that the company is aware that you are preparing to file for disability benefits.
To initiate a claim with MassMutual, you should obtain the claim packet. Generally, the best way to do this is by calling MassMutual directly to get the proper forms. If you have an employer-sponsored disability plan, a representative at your company may be able to offer additional guidance.
Once you have the application packet, be sure that the disability claims forms are completed properly. You must include all necessary supporting documents and records with your claim. As you may already know, medical evidence is key in disability claims.
MassMutual states that it accepts disability claims forms by mail, fax, or electronically. If you have any specific questions about filing a claim, you should not hesitate to contact an experienced disability attorney. A lawyer can help you put together the initial application packet.
How Much is MassMutual Disability?
Disability income insurance through MassMutual is designed to provide financial support and protection to people who are no longer able to work due to a medical condition. How much will be paid out in benefits depends on the specific terms of your policy. You will want to make sure that you have enough disability coverage to account for your necessary living expenses.
As a general rule, MassMutual disability insurance covers between 45 percent and 65 percent of the policyholder’s gross weekly income. Your policy likely carries a maximum weekly benefit. Most MassMutual short-term disability policies provide between 60 days and 120 days of benefits. Long term disability policies typically provide 2, 5, or 10 years of benefits.
Why Should I Hire A MassMutual Disability Claims Lawyer?
You may run into problems trying to get disability benefits from MassMutual. Sadly, the insurer, like other large corporations, is focused on its own bottom line. If your claim was denied by the insurance company, you should take immediate action to protect your interests. Remember, you can appeal an adverse decision. MassMutual does not get to make the final decision on your claim. A lawyer can help. Among other things, our MassMutual disability attorney is prepared to:
- Conduct a free, in-depth evaluation of your MassMutual claim;
- Investigate your disability case—gathering all evidence and information;
- Represent you before MassMutual, including in settlement negotiations; and
- Take whatever legal action is necessary to protect your rights and get your claim paid.
Each disability appeal is different. There is no one approach to take to get disability benefits paid. The individual facts of the case always matter. It is imperative that you work with a MassMutual disability claims attorney who will put in the time and resources to understand your case and get you the best possible outcome.