MassMutual Disability Denials & Unfair Practices
Massachusetts Mutual Life Insurance Company (MassMutual) exists to generate profits for their executives and shareholders. This wealth may be generated at the expense of policyholders through long-term disability (LTD) insurance denials.
The company has a legal obligation to honor the terms of their insurance policies. When they deny a legitimate claim, they may be acting in bad faith.
If MassMutual wrongfully denied your disability claim, you have the right to file an appeal. If your appeal is unsuccessful, you may be able to file a MassMutual lawsuit.
Find out more about MassMutual disability denials:
- MassMutual, a Fortune 500 company with billions in annual revenue, has faced multiple lawsuits over the years for unfair long-term disability claim denials.
- In Karnofsky v. Massachusetts Mutual Life Insurance Company, MassMutual denied LTD benefits to an anesthesiologist in South Carolina who could no longer perform in the operating room after a car crash. She sued after the insurer argued she was not “totally disabled” under her policy, even though her injuries prevented her from performing one of her main occupational duties.
- In Basu v. Massachusetts Mutual Life Insurance Company, Dr. Basu, a pain management physician, sustained spinal injuries and cognitive impairment from a fall. She sued MassMutual after the insurer tried to limit her benefits under the policy’s “mental disorder limitation” and delayed processing her claim.
- You do have legal rights and options after a wrongful MassMutual disability denial — and we're prepared to fight for you.
MassMutual has a powerful legal team defending their interests, but our experienced long-term disability attorneys can help to level the playing field and fight to overturn wrongful denials.
At Sokolove Law, we’ve secured over $141 Million for families affected by wrongful denials. If MassMutual denied your claim, contact us now to see if we may be able to seek the benefits you’re owed.
We've helped clients across the country challenge their insurer's decision and secure the benefits they deserve.
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Why Is MassMutual Not Paying Disability Claims?
In some cases, there are valid reasons why a disability claim might be denied, like missing information. However, MassMutual claim denials may be unjust, leaving you without the benefits you're entitled to.
MassMutual may deny your long-term disability benefits by arguing that:
- You failed to disclose a pre-existing health condition
- Your medical examinations were inadequate or inconclusive
- There were problems with your paperwork or documentation
- Your medical condition doesn’t prevent you from performing your duties at work
- Your condition doesn’t meet the policy’s specific definition of a covered disability
A denial is not final. If your MassMutual long-term disability claim or appeal was denied, you may still have legal rights and options to secure compensation.
Our MassMutual disability benefit lawyers can help you gather the evidence needed to build a strong appeal and potentially reverse the insurer’s decision.
“Thanks to Sokolove Law, we won the battle against my insurance company. Now, I have the support and financial security I need to focus on my health and well-being. I’m grateful for their help and would recommend them to anyone facing a similar struggle.”
– Engineer with a Denied Disability Claim
How to Appeal a MassMutual Long-Term Disability Denial
Appealing a MassMutual disability denial can be difficult to do on your own, especially when you know companies like MassMutual may be looking for any reason to deny your claim for benefits.
Our LTD attorneys may be able to help you file a MassMutual appeal by:
- Reviewing your denial letter to understand the specific reasons MassMutual cited for denying your claim
- Gathering additional evidence, like updated medical records or documentation, to strengthen your case
- Preparing and submitting all necessary paperwork to MassMutual on your behalf
- Communicating with the insurer to clarify requests, address procedural issues, and advocate for approval
- Requesting a second appeal if your initial MassMutual appeal is denied
“We can help navigate the complex appeal process and work to minimize any disruptions to your life while maximizing the amount of potential disability pay in your case.”
– Ricky LeBlanc, Managing Attorney at Sokolove Law
After you’ve gone through the appeals process, your legal team may submit a complaint with your state’s Insurance Department to lay the groundwork for a MassMutual lawsuit.
Our MassMutual disability insurance attorneys can handle every step of the legal process on your behalf — at no out-of-pocket cost to you.
Call (800) 995-1212 now to find out more about your options after a MassMutual claim denial. It costs nothing to speak with us.
MassMutual Lawsuit for Denied Disability Claims
Once you’ve exhausted the long-term disability denial appeals process, your attorney may be able to file a MassMutual lawsuit on your behalf.
Filing a MassMutual lawsuit generally involves preparing a detailed complaint, collecting evidence that shows you’re unable to work due to your disability, and outlining why your insurer wrongfully denied your benefits.
Throughout this process, we’ll work to negotiate MassMutual settlements on your behalf. If a settlement is unable to be reached, we’re prepared to argue your case in court and pursue compensation from a trial verdict.
A successful MassMutual lawsuit could result in back pay for past-due benefits, reinstatement of your monthly payments, and, in some cases, additional damages if your insurer is found to have acted in bad faith.
By working with Sokolove Law, you can even the playing field and put pressure on MassMutual to pay you what you’re owed, whether in the form of benefits, a MassMutual lawsuit settlement, or a trial verdict.
Why Choose Our MassMutual Disability Lawyers?
At Sokolove Law, our MassMutual disability lawyers are committed to seeking justice for those who were wrongfully denied the benefits they deserve.
We can handle the process of filing a MassMutual appeal or lawsuit for you, so you can focus on your health and well-being.
Find out why clients trust our MassMutual long-term disability lawyers:
- Over 45 years of experience standing up to powerful insurance companies
- No upfront costs or hourly fees
- Positive reviews from past clients
- Able to help families in all 50 states
- More than $141 Million recovered in wrongfully denied LTD benefits
We’re here to listen to your situation, clarify your insurance policy, and fight to protect your legal rights.
Do I Need a MassMutual Disability Appeal Lawyer?
Working with a lawyer to file your MassMutual disability appeal may increase your chances of securing compensation for medical bills and other expenses while you’re unable to work.
A MassMutual disability appeal lawyer can help you by:
- Evening the Playing Field: By partnering with a national law firm like Sokolove Law, you’ll gain access to the resources needed to stand up to MassMutual and ensure your case is taken seriously.
- Filing an Undeniable Appeal: We’ll gather additional evidence, like updated test results, statements from coworkers, and reports from physicians, to build a strong appeal on your behalf.
- Improving Your Chances of Success: With an experienced attorney on your side, you can get help identifying errors in the insurer’s review, correct misrepresented job duties, and challenge inaccurate conclusions to maximize your likelihood of approval.
At Sokolove Law, we’ve successfully helped clients recover denied benefits for over 45 years. We know the tricks these companies use and how to combat them.
Get Help Fighting a MassMutual Disability Denial
Navigating a MassMutual disability denial can be complicated, stressful, and time-consuming — but you don’t have to do it on your own.
Our MassMutual disability denial attorneys are here to help you understand the fine print of your policy, identify any errors in the insurer’s decision, and collect the evidence needed to file a strong appeal on your behalf.
There is no financial risk when you work with Sokolove Law. We only get paid if we secure compensation on your behalf.
Our team understands how important these benefits are for you and your family, which is why we’ll work to get your claim reviewed and resolved as quickly as possible.
Call (800) 995-1212 now or fill out our contact form to get started with a free, no-obligation case review.
MassMutual Long-Term Disability Appeal Lawyer FAQs
Does MassMutual deny long-term disability claims?
Yes. Multiple lawsuits have been filed against insurance providers like MassMutual for wrongfully denying long-term disability claims.
MassMutual lawsuits for denied disability benefits include:
- Davis v. Massachusetts Mutual Life Insurance Company: Davis, a partner at a law firm struggling with alcoholism and depression, took legal action against MassMutual after his claim for benefits was denied.
- George v. Massachusetts Mutual Life Insurance Company: A software regulatory consultant in Maryland filed a MassMutual lawsuit after she was denied LTD benefits for severe clinical depression.
- Kewin v. Massachusetts Mutual Life Insurance Company: A Michigan jury awarded over $140,000 to a MassMutual policyholder who was wrongfully denied benefits after a motorcycle accident.
- Wickboldt v. Massachusetts Mutual Life Insurance Company: A Florida dermatologist took legal action against MassMutual after the company stopped paying a portion of his long-term disability benefits.
If your LTD claim was denied, our MassMutual disability benefit lawyers may be able to help you appeal their decision. Get started now with a free case review.
MassMutual denied my claim — what should I do?
If MassMutual denied your LTD claim, reach out to a long-term disability denial attorney for help filing an appeal or lawsuit and potentially recovering the benefits you deserve.
With experienced legal help on your side, you can focus on your health and recovery while we focus on the appeals process.
Can I file a MassMutual lawsuit for long-term disability denial?
In some cases, yes. If MassMutual denied your long-term disability claim and you’ve already gone through the appeals process, you may be able to file a lawsuit against MassMutual for disability denial.
Call (800) 995-1212 now to find out if you may be eligible to take legal action following your claim denial.
Does ERISA apply to MassMutual long-term disability claims?
Yes. Most long-term disability claims administered by MassMutual are governed by ERISA, or the Employee Retirement Income Security Act.
ERISA sets the rules for how disability claims and appeals must be handled, including deadlines, documentation requirements, and your right to a full review of a denied claim.
Despite the protections established by ERISA, insurance companies like MassMutual may still wrongfully deny LTD claims. However, our MassMutual ERISA attorneys may be able to help you fight back.
How much does a MassMutual disability attorney cost?
At Sokolove Law, there are no upfront costs or hourly fees to work with our MassMutual disability attorneys.
We operate on a contingency-fee basis, which means you pay nothing unless we secure compensation for your family.
