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Learning Resource Center

The tools and materials you need to navigate Group Accident Insurance and Group Critical Illness Insurance with ease and confidence.

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Service guides
Sales support

What you can expect working with MassMutual Worksite

Service guides

The Learning Resource Center offers a full range of materials, guides, and tools to support you through every stage of the process — from presale to claims management. Take a look at the information below to get started.

Proposal process

Our streamlined approach delivers quick and accurate quotes so you can present tailored solutions to your clients.

Request a proposal
- Email or call your Worksite sales team.
Receive the proposal via email within 5 business days
- Paperwork needed to move forward with implementation will be included with proposal.
Request additional options and updated proposals
- Email or call your Worksite sales team for any revisions.
- Revised proposals to be provided via email.
Complete the paperwork
- Provide necessary paperwork via email or DocuSign to your Worksite sales team to begin the onboarding process.

Proposal FAQs

The turnaround time for proposals is based on the complexity of a request. Groups with favorable risk criteria will be proposed quicker, while highly customized plan requests and larger groups will require more time for review.

Yes, MassMutual will review formal RFPs to ensure we meet the requirements of the request before proceeding through the formal process and timeline as outlined in the RFP.

The plan administrator will need to complete the master application, group case setup form, and a request for schedule A form.
Additional items, such as a census or hold harmless agreement, may be required depending on the platform and employee communication options selected for enrollment.
A broker commission form is required for commission setup of all cases.

Onboarding process

Our commitment to dedicated support from the point of sale through the enrollment process ensures a smooth implementation and accurate first bill.

Receive introduction email from Implementation Manager
Participate in a MassMutual implementation call
- On this call, you and/or your client can discuss expectations and requirements needed to implement the MassMutual products. This will include any payroll and billing details.
“Post Call Recap” provided by Implementation Manager, to include important onboarding details and associated documents
Receive a “Ready to Enroll” email
- Once details have been finalized, you will be notified when enrollment is ready to begin.

Onboarding FAQs

A minimum of nine business days is required to set up an enrollment built by our internal team. Enrollment platforms setup by external vendors will depend on the timeline of the vendor; however, MassMutual requires a minimum of three business days prior to the enrollment start date to confirm the external platform is ready for enrollment.

Implementation Managers are your partner to ensure a successful enrollment experience. If applicable, you could receive the following items:

Benefit Summaries
Outline of Coverage (if required by the state)
Enrollment Platform Configuration Toolkit
Communication Plan

This toolkit provides the product details, application requirements, rates and platform build specifications for the MassMutual supplemental health products to be built on an external enrollment platform.

Communication materials that will be provided for enrollment support will include: Product videos, a digital flip book, Generational profiles and learn more pages.

Deduction files and initial bills will be discussed on the implementation call. Both can be provided by MassMutual after the enrollment, or the group can choose to utilize information from their external enrollment platform.

Resources

Preview our Producer Portal

Watch a demo of the onboarding tracker.

Enrollment process

Give your clients the freedom to choose the platform that suits them best. Our products are built into the product libraries of two of the most popular enrollment platforms, Selerix and Employee Navigator, or we can work with larger HCM systems, such as Workday.

A ‘ready to enroll’ confirmation is sent to the plan administrator
- Provided via email from the Worksite Implementation Manager.
Enrollment begins on scheduled enrollment start date
- MassMutual will provide enrollment information and support.
Enrollment status reports are reviewed weekly with the Implementation Manager
A final enrollment summary is provided via email, if requested
Group deduction file is available, if requested by plan administrator
Master policy and employee certificates are issued
- The Implementation Manager will notify the Plan Administrator that the master policy is available on the employer portal.
- Employees may review their individual plan details in the employee portal.

Enrollment FAQs

MassMutual’s supplemental health products are included in the product libraries of Employee Navigator and Selerix, with more partnerships in-progress. Please check with your Worksite sales representative to discuss a specific system and how we can support a group’s preferred enrollment platform and experience.

If using one of our dedicated enrollment platforms, the Implementation Manager will provide a report of the enrollment to-date, including the number of applications taken, the details of those applications and the enrollment status of all employees. If a group is enrolling on an external platform, the Implementation Manager will request a weekly report be provided from that system for enrollment support.

MassMutual can support new hire enrollments based on group preference, although monthly or quarterly new hire enrollments are most common. Options and preferences will be discussed during the initial implementation call.

Resources

Get an at-a-glance view of the entire enrollment process, including steps and timing.

MassMutual Supplemental Health Enrollment Process Overview

Billing process

We ensure that the process is efficient and tailored to meet your client’s needs, giving you the confidence to offer a solution that works best for them.

Plan administrator sets up deductions based on enrollment elections
Premiums are collected from employees via payroll deductions
Bill is provided to the plan administrator via the employer portal
- Available by the 25th of the month
Bill reconciliation should occur within five business days of receiving the bill
Plan Administrator remits premiums to MassMutual after reconciling the bill

Billing FAQs

MassMutual can accommodate a standard list bill or allow a group to self-administer their own bill. For a standard list bill, MassMutual will provide a monthly bill with employee names and coverage details. For self-administered bills, MassMutual will provide a billing worksheet for a plan administrator to reflect current monthly figures by coverage type.

When the first bill is provided, the plan administrator will be able to set up the ACH payment for future payments within the employer portal.

MassMutual bills in arrears, and premium is due the 10th of the month after coverage is provided. For example, if a group has a January 1st effective date, a bill will be available by the 25th of January with premium due by February 10th.

Resources

Preview our Plan Administrator Portal

Watch a demo of billing management.

Claims process

Designed to be easy and efficient, ensuring that your client’s employees can submit their claims with confidence.

Committed to processing 98% of claims within 4 business days, upon receipt of required documentation.

Employee can login to the employee portal for claims submission
- Portal access information will be provided in a welcome email once the employee’s certificate is in-force with MassMutual.
Within the portal, employee will complete on-screen questions to submit claim for review
- Employee will also be instructed to include payment information for preferred claim payment.
MassMutual will review the claim within 5 business days and request additional information needed to review the claim, if needed.
- Claim decision will be provided via employee’s preferred communication option.
Once the claim is approved, employee will receive payment

Claims FAQs

Yes, MassMutual provides options for claim submission based on employee preference. While the portal experience outlined above is designed to be the quickest and easiest option, employees can also call the MassMutual Customer Care Team at 1-844-975-7522 or reach out to WorksiteClaimsSupport@MassMutual.com for personal assistance.

If the employee submits a claim via the employee portal or call center, they will receive an immediate confirmation of their claim submission. If an employee chooses to submit via email, a confirmation will be provided within 24 hours.

The employee may be contacted by phone or email, depending on what information is needed. For example, a phone call will be used to clarify information, whereas email correspondence will be used to request additional proof of loss details.

MassMutual provides claim payments through direct deposit, allowing employees to quickly receive their payment in their bank account. While employees have the option to receive a paper check through the mail, it is important to note that this method may result in a longer processing time.

Resources

Preview our Employee Portal

Watch a demo of how to submit a claim.

Sales support

Access product information, competitor comparisons, client engagement tools and industry intelligence to further broaden your knowledge and support your sales efforts.

Talk with a Worksite Specialist

FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.

NOT FOR USE IN NM.

MASSMUTUAL GROUP ACCIDENT INSURANCE PROVIDES LIMITED BENEFITS AND DOES NOT PROVIDE COVERAGE FOR SICKNESS. In NY: This policy provides ACCIDENT insurance only. MM-GPAC-2021, MM-GCAC-2021 and MM-GPAC-2021(NC) and MM-GCAC-2021(NC) in North Carolina is limited benefit nonparticipating group insurance.

NOT FOR USE IN NM AND WA. MASSMUTUAL GROUP CRITICAL ILLNESS (IN CA AND NY, GROUP SPECIFIED DISEASE) INSURANCE PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY AND DOES NOT PROVIDE COVERAGE FOR SICKNESS. In NY: This policy provides limited benefits health insurance only. MM-GPCI-2021 and MM-GCCI-2021, and MM-GPCI-2021 (NC) and MM-GCCI-2021 (NC) in North Carolina is limited benefit, non-participating group insurance.

MassMutual Group Critical Illness insurance and Group Accident insurance are NOT hospital or medical expense insurance, or minimum essential coverage defined by federal law. In NY: It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. This insurance, their names, or provisions may vary or be unavailable in some states. This coverage has exclusions, limitations, reductions of benefits that may affect any benefits payable, and terms under which the policy may be continued in force or discontinued. Some benefits or options have limited availability based on age. For availability, cost, and coverage details contact your benefits advisor or MassMutual.

Worksite Easier. Learning Resource Center

What you can expect working with MassMutual Worksite

Service guides

Proposal process

Proposal FAQs

Resources

Resources

Resources

Resources

Sales support

Talk with a Worksite Specialist

Talk with a Worksite Specialist

Worksite Easier.

Learning Resource Center