Mass Mutual is a famous insurer for private disability insurance policies, also termed as “IDI” (Individual Disability Insurance). The sales tone is understandable for high-income earners; the group long-term disability insurance policy they get through their job may actually not be sufficient to cover the charge of living for an expert or executive with a six-figure income.
Buying many private disability insurance policies is not unusual for those experts whose way of living might comprise of a large mortgage, luxury cars, and periodic vacations. The similar reason that having many private long-term disability insurance policies in place is a similar reason it is smart to have an experienced disability attorney working on your behest of before filing a claim: there is actually extremely at risk.
As one of the biggest private disability insurance companies, Mass Mutual is the topic of numerous phone calls and emails to our disability insurance law firm. We daily deal with Mass Mutual, on the claims side, and with their lawyers, both in-house instruction and outside defense firms that are kept back to fight for claimants. They are aware of our firm and we are aware of their schemes and plans.
How mass mutual tries to contradict Disability Claim?
Since we constitute plenty of doctors and other medical experts, comprising of physiotherapists and finance executives, we notice a notable amount of claim introductions for high-income disability policies, numerous with lifespan coverage obtainable.
One of the more usual schemes we have noticed in a present increase in claim delays and contradictions made by Mass Mutual that the claim is only dependent on somatic signs. Somatic indications refer to too much emphasis on physical signs that outcome in acute emotional torment that leads to the incapacity to function.
This is an attempt by Mass Mutual to either force a claim into a restricted benefit period for mental health defect, or to throw aside altogether any impairment, and claiming that the signs are actually in the claimant’s head.
This scheme carries notable danger to a claimant, whether it forms the cornerstone to reject a claim or to restrict the number of benefits. Claimants with allotted span coverage that would be in other respects obtainable are noticing Mass Mutual’s hostile schemes serve to restrict claims considerably.
How we Support your Mass Mutual Disability Claim?
We take the stand that she is disabled and cannot do the material and considerable duties of her profession. Mass Mutual’s position will be the initial to test medical records to observe if her physician’s notes pinpoint not the level of pain, the treatment for the pain and whether or not she has been amenable with her treating physician’s directives, but if the doctor’s notes say she cannot do the jobs that her job needs.
A Mass Mutual disability claims attorney with many years of experience with Mass Mutual and other insurance companies offers high-income earners with personal disability insurance policies that provide us a distinctive window into what it takes to protect these claims.