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finder.com’s rating: 4.0 / 5.0
★★★★★
Yes
Short term disability
No
Long term disability
Benefit period | 2, 5 or 10 years or up to age 65, 67 or 70 |
---|---|
Waiting period | 60, 90, 180, 365 or 730 days |
Coverage amount | Not listed |
Individual credit | |
Available states | All 50 states |
Policy riders |
No info available |
Simplified issue | No |
Review by
Rhys Subitch is a writer and editor at Finder who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.
If your employer’s disability insurance doesn’t meet all your needs, MassMutual’s plan may be able to bridge those gaps with riders and extra built-in benefits. However, be aware that it might take a while to get a local agent on the phone.
To explore your options, compare other disability insurance companies before you sign up.
MassMutual isn’t accredited with the Better Business Bureau (BBB), but it holds a B- rating for its customer engagement. Customers award the company 1 out of 5 stars, as of October 2020. The BBB records 50 complaints over the past three years, many of which revolve around managing retirement accounts and issues with the claims process. We couldn’t find any complaints specific to disability insurance.
In J.D. Power’s latest study on customer satisfaction, MassMutual ranked tenth out of 23 life insurance companies surveyed. It earned three out of five circles, which indicates there’s room for improvement.
An insurer’s financial strength rating points to its ability to pay out claims. MassMutual scores stellar ratings with the four main rating agencies, which means it has the funds to meet its financial obligations.
Agency | Rating |
---|---|
A.M. Best | A++, Superior |
Moody’s | Aa3, High Quality |
Standard & Poor’s | AA+, Very Strong |
Fitch | AA+, Very Strong |
J.D. Power | 3 out of 5 circles |
To get a free quote and start the application process, follow these steps:
Founded in 1851, MassMutual has grown to be one of the largest corporations in the US by revenue according to the Fortune. In 2018, it came in at 93 on the Fortune 500 list.
Headquartered in Springfield, Massachusetts, the insurer also offers life and long-term care insurance, retirement products like annuities and IRAs, and investment services.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze disability insurance companies to help you find the best income protection policy for you.
We assess each company’s financial strength and customer satisfaction, as well as policy features, benefit and elimination periods and available riders. We then give each insurer a score between one and five stars that reflects available options and industry reputation.