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Disability Income Insurance

Get help paying your bills when you’re unable to work.


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What is disability income insurance?

Disability insurance is also called disability income insurance (DI). If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions. It's important to know that even if you have group long-term disability insurance through your employer, it may not be enough.


A disability income insurance policy covers a portion of lost income

Disability income insurance can help you protect a portion of your income should you become too sick or hurt to work. So, if you have people who depend on you financially, college tuition to cover, and mortgage payments to make, you should consider disability income insurance.

How much disability income insurance do I need?

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/
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$
a year
$
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disability income insurance coverage.
$
during my disability.

Who needs disability income insurance?

Disability income insurance is important for anyone who relies on their income to maintain their lifestyle and cover expenses. Here are just a few occupations that may find disability income insurance beneficial to their financial future:

  • Business Executives
  • Healthcare Professionals
  • IT Professionals
  • Lawyers 
  • Marketers
  • Accountants
  • Self-Employed Individuals

Talk to a financial professional to assess your risks and consider obtaining disability income insurance coverage to protect your income and financial well-being in case of disability.

Features and benefits

Income protection

Your income is most likely your biggest asset. Without it, it would be hard to support yourself and your loved ones financially, as well as keep your future plans on track. Individual disability income insurance can help you stay on track by protecting a portion of your income.
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Retirement protection

If you become too sick or hurt to work, individual disability income insurance may help you avoid using your retirement savings to cover income gaps. You may also be able to purchase a disability income insurance policy to help you continue saving for retirement while you’re disabled.
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Customizable coverage

Individual disability income insurance policies may be customizable, so you can prepare for the future. For example, you may be able to choose to add a rider* to your policy that allows your coverage to grow as your salary increases.
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How much do you know about disability income insurance?

Many people dramatically underestimate their chances of experiencing a sickness or injury that could temporarily or permanently interrupt their ability to earn an income. To that end, we went on the street to see what people really know about Disability Income Insurance. The answers may surprise you.

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Learn more about disability income insurance

*Riders are available at an additional cost except the Automatic Benefit Increase Rider and the Benefit Increase Rider which are available at no additional cost. Riders are subject to state availability.

Disability income insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield MA 01111-0001.

Policies have exclusions and limitations. For costs and complete details of coverage call your agent or MassMutual at 1-800-272-2216 for a referral to an agent.