Individual Disability Income Insurance

A solution designed to help reduce the disability income gap for top-performing, highly-compensated executives.

A closer look at Executive Disability Income insurance

Protect employees’ most valuable asset – income

Download our fact sheet

The income gap

Employer provided long-term disability (LTD) policies typically don’t cover bonuses or incentive compensation, which can create a disability income gap for highly compensated employees.

67 % of the private sector workforce has no long-term disability insurance.³

A win-win for employees and employers

Individual disability income (DI) insurance from MassMutual can reduce the financial risks that disability poses. Both for your clients’ company and their key employees.

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¹ Riders are offered at an additional cost.
² Rider is not available in all states.
³ U.S. Social Security Administration, Fact Sheet dated 2019.

*NOTE: There may be implications under the Employee Retirement Income Security Act (“ERISA”) depending on how disability income insurance policies are made available to the employees and whether such an arrangement constitutes an “employee benefit plan” under ERISA. Employers should consult their own tax and legal advisors for further information on potential ERISA implications.

MaxElect is not available in California

MaxElect (Policy Form XLS-ME-13, XLS-ME-04 and ICC13XLSME in certain states including North Carolina) is issued by Massachusetts Mutual Life Insurance Company. Policies have exclusions and limitations.