An Educational Guide for Individuals. MassMutual Disability Income Insurance Own Occupation Rider Information. Insurance Strategies

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1 An Educational Guide for Individuals MassMutual Disability Income Insurance Own Occupation Rider Information Insurance Strategies

2 Thank you for applying for disability income insurance with Massachusetts Mutual Life Insurance Company (MassMutual). You have taken an important step toward purchasing coverage that is a critical piece of your total financial security. The insurance coverage that you have selected includes the Own Occupation Rider. The following information will answer the questions that are most frequently asked by individuals who purchase this Rider.

3 Under what circumstance does the Own Occupation Rider provide benefits? After satisfaction of the applicable Waiting Period, the Own Occupation Rider provides benefits when the Insured: cannot perform the main duties of his/her Occupation due to Sickness or Injury; is working in another occupation; is under a Doctor s Care; and has a Disability that begins while the Own Occupation Rider is In Force. What will MassMutual consider my Occupation to be if I need to file a claim? We recognize that some individuals through additional training and experience have narrowed their work to a specialty or sub-specialty, and may have individual certification from nationally recognized accreditation groups such as the National Board of Trial Advocacy, American Board of Medical Specialties, American Osteopathic Association or the American Dental Association. Your Occupation at claim time is based on your main work duties immediately prior to the start of your disability. Examples: 1 You are an attorney, and our occupational analysis shows that your main work activities immediately prior to disability were limited to those related to trial work. We would consider your Occupation for this claim to be a trial attorney.

4 2 Perhaps you are a physician. An occupational review of your main duties just prior to the start of disability shows that they were limited to those associated with nuclear radiology. For this claim, we would consider your Occupation to be a nuclear radiologist. 3 When you purchase your policy, the main duties of your work consist of performing both obstetric and gynecological services. During the course of your practice, you stop performing obstetric services. Our vocational analysis confirms that just prior to the start of your disability your main work activities are limited to providing gynecological services. In this instance, we would consider your Occupation for this claim to be that of a gynecologist, and not that of an obstetrician or obstetrician/gynecologist. How is the coverage under my Own Occupation Rider altered if I change occupations when I am not disabled? The coverage from your Policy and Riders, including the Own Occupation Rider, is portable from one job or occupation to the next. The benefit coverage under your Own Occupation Rider does not change because of a switch to a new job or occupation. However, it is important to remember that your Occupation at claim time is based on the main activities of your work immediately prior to the start of your disability. If you have an occupational change, it is always a good idea to review your insurance coverage with your agent to make certain that your income protection matches your current needs.

5 What is the amount that will be paid under the Own Occupation Rider? The Policy Specifications page lists the Own Occupation Monthly Benefit that will be paid when the Policy and Own Occupation Rider eligibility requirements have been fulfilled. How will I know if a disability qualifies for benefits under the Own Occupation Rider? You should promptly contact our Call Center at , menu option 3, or your insurance agent, if you experience a sickness or injury that results in a disability. MassMutual encourages you to file a claim so that a complete review of your circumstances can be conducted and a determination made on whether the claim is payable. This information does not, nor is it intended to, alter or supersede the provisions of your policy. Every claim must be reviewed individually with consideration given to the particular facts, the provisions of your policy, and state laws applicable to each situation. MassMutual is proud of its long-standing commitment to its policyholders, and well-earned reputation for reaching fair and equitable claim decisions. All disability income insurance policies and riders are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA Not all policies and riders are available in all states.

6 2009 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. DI CRN

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