I've had a disability insurance policy w. Mass Mutual for 7 years, I'm a dentist and at the time of buying the policy it was presented to us by Mass Mutual agent as own occupation(which was false), also the agent said to just plan for 3 months reserve in case something happened and after the 90 day waiting period in case of a disability, you will get paid, 7 years later I was diagnosed with neuropathy that affects my hands and I can not practice any more, it has already been 5 months since the waiting period has begun and I do not have a decision from them let alone a payment. I have not had an income during the past five months and the adjuster started yelling at me the last time when i tried to ask him for a deadline and said they would not be able to give me a date for when the claim processing is going to be over, it takes as long as it takes.
I strongly recommend that whoever who has a policy with them drop it and change it to a ethical company, please have your contract reviewed by an insurance lawyer before signing up for a disability coverage, you might end up realizing at the worst possible timing that you should have chosen another company. Do not be trusting and naive as I was.
I keep on hearing that Mass Mutual a very strong company financially and therefore trust worthy, I can tell you that UnumProvident that must be one of the most unethical insurance companies out there(there was a case against them where they terminated disability payments to a paralyzed client after two years, and this is just one example) was also very strong financially and the way it went from almost bankrupt to being one of the biggest disability insurance companies in US was by systemically denying most claims.
I just wish I knew what kind of company Mass Mutual was 7 years ago when I was signing up with them.(as you know it only takes 3 months of non payment of mortgage before your house ends up in foreclosure!)