You may be paying for disability insurance, but you may not be paid on a legitimate claim. Here is my personal experience with Massachusetts Mutual Insurance.
I had shoulder surgery in 1985. My carrier (Mass. Mutual) paid both personal disability benefits and business overhead benefits. Within a few months, I was able to return to work and I notified the carrier.
I had another shoulder surgery in 1990. Again, benefits were paid on both policies, until I returned to work.
In 1993, I had another surgery on the same shoulder. Benefits denied!
I have been under the continuous care of physicians since 1985. I have always paid my premiums. Mass. Mutual sold me a separate "Own Occupation Rider," which covers me in the event that I am not able to practice dentistry. Mass. Mutual is ignoring its own policy.
This is not the typical disability fraud where the patient complains of vague symptoms. I had three real surgeries! I went back to work as soon as I could use my right arm well enough to do dentistry. I am again performing clinical dentistry.
Mass. Mutual knows I have to pay big legal fees to try to get what I`ve already paid for with my premiums.
Choose your disability carrier carefully!
Brian E. Weiss, DDS, PC
New York, NY