MassMutual Announces Higher Limits. Greater Coverage. Better Protection.
MassMutual has just announced an exciting update that will allow many high income professionals and physicians to qualify for significantly more disability insurance coverage. This change means stronger income protection for physicians, executives, business owners and other high income professionals who want to ensure their lifestyle and financial goals are protected if they become too sick or injured to work.
What’s New?
MassMutual has increased its Issue & Participation (I&P) limits across several occupational classes:
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Higher I&P limits for 5A and 4A occupational classes
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50% increase for physician occupational classes (5P, 4P, 3P)
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New occupational classes for dentists and other D-class professionals (4D, 3D)
Understanding the Chart
| Occupational Class | New Limits | Previous Limits |
|---|---|---|
| 5A | $35 / $35 / $40 | $30 / $35 / $35 |
| 4A | $35 / $35 / $40 | $30 / $35 / $35 |
| 5P | $30 / $30 / $35 | $20 / $30 / $35 |
| 4P | $30 / $30 / $35 | $20 / $30 / $35 |
| 3P | $30 / $30 / $35 | $20 / $30 / $35 |
| 4D | $20 / $30 / $35 | N/A |
| 3D | $20 / $30 / $35 | N/A |
How to read this:
Each set of numbers in the table represents monthly benefit amounts in thousands of dollars:
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First number – The maximum monthly benefit you can get from MassMutual on a new policy (e.g., $35 = $35,000/month).
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Second number – The total allowed monthly benefit when combining MassMutual coverage with other companies’ policies.
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Third number – The maximum total monthly benefit you can have if you include employer-provided group LTD coverage.
For example:
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If you are in Class 5A (executive level professional) and have no other coverage, you can now get up to $35,000/month in disability benefits from MassMutual alone.
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If you already have some individual coverage from another company, your combined coverage can go up to $35,000/month.
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If you also have group LTD through your employer, your total coverage from all sources can be as high as $40,000/month.
Why This Matters
If you’ve been maxed out on your individual disability insurance coverage in the past, these new limits may open the door for thousands of dollars more per month in benefits. This is especially impactful for:
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Physicians & Dentists – Higher benefit caps mean greater coverage, particularly for new attendings or practice owners whose income has recently increased.
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Executives & Professionals – Enhanced limits for 4A and 5A occupational classes give more room to protect high salaries and bonuses.
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Those with Existing Group LTD – Higher participation limits mean you can layer additional coverage on top of your employer plan.
What You Should Do Now
If you are a medical professional, this is the perfect time to review your current physician disability insurance plan. Even adding an extra $1,000 to $5,000 per month in benefits can make a major difference in your long-term financial security.
At Set for Life Insurance, we specialize in helping physicians, executives, business owners and high income professionals maximize coverage and take advantage of special discounts available through hospitals, residency programs, and professional associations.
Next Step:
Contact us today for a personalized review of your current coverage and see how these new MassMutual limits could benefit you.