MassMutual disability insurance review 2021

This plan is designed to bridge any gaps in your employer's disability coverage.’s rating: 4.0 / 5.0


  • Consider MassMutual if… You you’re looking to supplement your employer-sponsored disability insurance.
  • Look elsewhere if… You want to apply for coverage online.


Short term disability


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


  • Helpful disability income calculator
  • Convenient app


  • No online quotes
  • No long term disability options
  • Lack of product info on its website

Review by

Rhys Subitch is the loans editor at Finder, guiding Americans toward smart borrowing decisions. With over 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 in the lending sphere. They make frequent appearances on Finder's YouTube channel to talk through loan topics that range from the very basics to the latest government assistance programs. Before specializing in lending, Rhys was a personal finance writer for Finder’s credit cards, insurance, banking and mortgage verticals. They hold a BA in sociology and a certificate in editing from the University of Washington, Seattle.

Expert review

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.

Built-in benefits and available policy riders


  • Automatic benefits increase. Boosts your benefits over time so you don’t have to worry about manually adjusting your coverage.
  • Retirement protection. Certain policies are designed to help you save for retirement, even when you can’t work.


  • Coverage growth rider. Increases your coverage to make sure your benefit matches your growing salary.
  • Extended partial disability benefits rider. Pays out a lower portion of your benefits if you go back to work to some extent.
  • Future insurability option rider. Allows you to purchase more coverage later on without providing extra evidence of insurability.
  • Group supplement rider. Supplements the disability insurance you get from your employer.
  • Own-occupation rider. Pays benefits if you return to part- or full-time work in a different profession.

Pros and cons of MassMutual disability insurance


  • Helpful disability income calculator. MassMutual offers an easy to use tool on its website to help you determine how much monthly benefit you’ll need using your annual salary and estimated monthly expense.
  • Convenient app. This insurer has an app that allows you to easily manage your account, make payments and view billing details.


  • No online quotes. You’ll have to call and speak to a local rep to get a quote, unlike many of its competitors who offer the ease of online quotes.
  • No long term disability options. If you need coverage for a longer period of time, you’ll have to look for a separate policy with another insurer.
  • Lack of product info on its website. MassMutual doesn’t offer any details about its disabiliy product benefits or riders, making it hard to compare coverage without calling a rep.

MassMutual disability insurance reviews and complaints

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.

MassMutual’s financial strength

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.

A.M. BestA++, Superior
Moody’sAa3, High Quality
Standard & Poor’sAA+, Very Strong
FitchAA+, Very Strong
J.D. Power3 out of 5 circles

Compare alternatives to MassMutual

Name Product Coverage Amount Benefit period Waiting period Own Occupation Medical exam required
Policygenius Disability Insurance
$100 to $20,000
2, 5, or 10 years or until age 65 or 67
60 - 365 days
Depends on provider
Get matched with one of 15 top life insurance companies to find the best coverage and rates for you.
JRC Life Insurance
$500 to $20,000
2 year to lifetime
30 - 365 days
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.
$500 to $20,000
1, 2, 5, or 10 years or until age 65 or 67
30 - 365 days
Secure long-term disability insurance online by filling out an easy 10-minute application, even if you're a high income earner.

Compare up to 4 providers

How do I sign up for MassMutual disability insurance?

To get a free quote and start the application process, follow these steps:

  1. Go to the MassMutual website.
  2. Click Insurance then select Disability Income Insurance from the dropdown menu.
  3. Scroll down to Have Questions? and enter your ZIP code. Then, click Find a Financial Professional.
  4. Under Focus, click Insurance Strategies and choose a local agent to assist you by phone or email.

More about MassMutual

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.

Frequently asked questions

Disability insurance ratings

★★★★★ — 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.

Learn the details of our methodology and scoring.

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