You work hard to build your practice and give your clients the best possible care.  And in your career, you may have seen the consequences a disability can cause.  How would a disabling illness or injury affect you - your career, the people who rely on you at work, and the people who rely on you at home?

Disability income (DI) insurance can help ease the financial hardship that often results from a loss of earned income due to a lengthy disability. Anyone who relies on their income is a potential prospect for DI products.

Our DI products, backed by the strength and stability of MassMutual, provide producers with a competitive line-up of products to help provide clients with a DI solution designed to match their unique and changing needs. Some advantages of MassMutual DI products are:

• Dividends – Dividends are currently illustrated to become payable for participating disability income insurance products after the 5th policy year (6th policy year in CA, FL, and PR). Any dividends that may be allocated will be paid in cash to the premium payor. Dividends are not guaranteed.
• Non-Cancelable to age 65¹ – As long as the policyholder continues to pay premiums on time, we cannot cancel this policy prior to age 65. Premium rates are guaranteed; we cannot change the premiums.
• Definition of Total Disability – Due to sickness or injury, the insured cannot perform main duties of his/her occupation and is not working in another occupation. The insured must be under a doctor's care. (Definition of Total Disability is different in CA, and may vary in other states.)
• Recovery Benefits – A feature of our Extended Partial Disability Benefits rider, provides additional income if the insured is able to return to work and, as a result of the disability, suffers at least a 15% loss of pre-disability income with a guaranteed 3% indexing annually.
• Return to Work Benefits – Available through the Group Supplement Disability Benefits Rider, provides benefits to supplement benefits received from the insured's group LTD plan during a partial disability. MassMutual is the only carrier to offer this benefit².

¹ Disability Buy-Sell is conditionally renewable to age 65.
² Based on a variety of publicly available sources we believe are accurate. Information is accurate as of January 2019.

Although you can't avoid the risk of a disability, you can be prepared with a disability income insurance policy designed for you.