Eligible employees may apply with simplified underwriting for an Individual Disability Income (IDI) insurance policy. If an employee has been actively at work on a full-time basis for the last 90 days, has not been hospitalized within the last 90 days, is not currently disabled or receiving disability benefits, is a U.S. citizen or permanent resident visa holder who is living and working in the U.S., and financially qualifies, MassMutual guarantees to offer an IDI insurance policy with a specific maximum monthly benefit amount, waiting period (elimination period in CA) and benefit period at standard rates to that employee.

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