Reference Manualsouthwestdi.com/pdfs/products/mass_mutual... · 6/13/2011 · . MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual)

for producer use only. not for use with the public.

not for use in cAliforniA.

A di reference Manualfor Financial Professionals

Disability Income InsuranceReference Manual• Radius®

• Radius Transition Select• RetireGuard®

• Business Overhead Expense• Buy-Sell• MaxElect®

disability income insurance

Reference Manual

© 2013 Massachusetts Mutual Life Insurance Company, Springfi eld, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affi liated companies and sales representatives.

DI1075 913 CRN201508-175430


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forewordThis guide provides company representatives with basic information ordinarily needed for the solicitation, writing and servicing of MassMutual’s disability income insurance business. It contains general information as well as policy provisions.

The rules and regulations that govern these provisions may vary from state to state and may deviate from what is stated in this guide. Information in this guide will continue to apply until it is revised, and is subject to change without notice, as circumstances require.

All references to 12, 10, 07, 04, 01, and 98 refer to a particular policy series. These are not policy names and should not be used in marketing or advertising materials.

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section 1

General information 1-1 | General Underwriting Information 1-1 | Complete Application Package 1-3 | Radius® Executive Select Program 1-3 | DI Masters Underwriting Program 1-4 | Starting Professional Program Guidelines 1-6 | Discounts 1-8 | Travel and Residence Guidelines 1-9 | Overinsurance Guidelines 1-10 | Policy Placement 1-11 | Avocations 1-13 | Medical Underwriting 1-18 | Policy Administration 1-19 | Special State Requirements 1-23 | Contract Changes 1-37 | Claim Information 1-43 | Benefit Taxation


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1-1

General underwriting informationcontact information For customer service questions or concerns, please contact our staff toll-free at 1-800-272-2216, Press 3 for Disability, between the hours of 8 a.m. and 8 p.m. Eastern Standard Time. One of our experienced Customer Service Representatives will be glad to assist you.

General informationThe purpose of disability income insurance is to ease the severe financial hardship that often results from a loss of earned income due to a lengthy disability. This manual will provide information to assist producers in the disability income insurance sales and underwriting processes.

Submission of a Complete Application Package and Completing the Applicationcomplete Application packageThe Complete Application Package is the most effective way to get DI cases issued quickly and to ease the requirement-gathering process during underwriting. Producers that submit complete applications generally have policies approved at a considerably faster rate than producers with applica-tions that are missing requirements. A Complete Application Package includes the following:

• Correctapplicationforproductandstate

• Signedbytheapplicant

• Allquestionsanswered,includingnon-medicalquestions

• Appropriatefinancialinformation(seepages3-9 and 3-10 for requirements)

• Blood(draw)ticket*

• IPM(InitialPremiumManagement)transmittalform,regardlessofprepayment

• DIillustration

• ValidatedGIN/BINform(forMulti-LifeorBuy-Sell)

• HIVconsentform(whererequired)

• CompletePartIIparamedicalexamination*

• Coverletter

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continued


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• APSordered*

• HIPAAFORMS

* See DI1053 for appropriate Age and Amount Requirements and for when to order APS prior to submission

Complete applications lead to quicker underwriter decisions, faster commis-sion check, and a faster delivery of the policy to the applicant. Tips to completing the application:

• Answerallquestionsaccuratelyandcompletely

• Providefulldetailsofanyquestionsthatrequireexplanation

• Ensurethattheapplicantinitialsall“crossouts”soastoavoidamendments

• Reportpreciseearnedandunearnedincome

• Listexistingcoveragefromallsourcesincludingindividual,group, association, and salary continuation

• Detailsshouldincludewaitingandbenefitperiods,andwhetherornot any coverage is offset by, or integrated with, Social Security benefits

occupationThe applicant’s occupation plays a much more important role in the underwriting of disability insurance than it does in the underwriting of life insurance. When classifying a client into an occupation class, we consider the following:

• Typeofdutiesperformed(sedentaryvs.manuallabor)

• Varietyofdutiesperformed(andpercentoftimedevotedtoeach)

• Stabilityofearningsandemployment

• Numberofyearsinoccupation

See also the Occupation Section beginning on page 2-1 for more information on analyzing occupations.

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radius executive select programTheRadiusExecutiveSelectprogramisforyour5Aand4A*clientswith annual income of $800,000 or more. Executive Select is one of the industry’s only individual disability income insurance programs targeted to high income earning executives that provides non-cancelable, portable coverage with a level premium for the life of the contract.

* Medical and Dental Occupations are not eligible for this program. Not available in CA, FL, or PR

This disability income insurance program enables executives to cover a larger percentage of their salaries than in the past, up to 50 percent of their pre-disabilityincomeatthetimethepolicyisissued(providedtheyareinsuredunderaGroupLong-TermDisability[LTD]plan)toapossiblemaximum benefit of $50,000 per month, or over a half a million dollars of tax-free income per year, if totally disabled. Individuals who do not have GroupLTDmaybeeligibleforupto25percentreplacement.

See form di1961m,whichcanbelocatedonFieldNet,forcompleteprogram specifications.

di Masters underwriting programThe DI Masters Underwriting Program provides distinctive underwriting enhancements to an elite group of leading MassMutual DI producers who have met pre-defined qualification criteria. Producers who focus on the individual/small-business market and the multi-life(20+lives)marketareeligible. Certain levels of prior-year premium, in-force premium, persistency and morbidity in each market, are all necessary to become a DI Master.

Masters program benefits include:

• DedicatedHomeOfficeunitofexperiencedunderwriters

• 24-hourorlessturnaroundtimeonfinalrequirementsreview

• Streamlinedunderwritingwhichsignificantlyreducesbusinessrequirements for DI Masters’ new business

For more information on the DI Masters Underwriting Program, please contact David DiCesare via telephone at 1-800-272-2216 ext. 24350, or via e-mail at [email protected].

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Starting Professional Program Guidelines Certain applicants in their final stages of training, or in the first two years of professional practice, may be eligible for special issue limits based on antici-pated income. The base monthly amounts listed below can be applied for as all-basic coverage, or in combination with the appropriate Social Insurance Rideramount.TheCatastrophicDisabilityBenefitRider(CAT)andRetire-GuardRiderarealsoavailableintheamountsshownonthenextpage.

All limits will be offset by any existing coverage in-force or applied for.

Starting medical professionals will be classified in the 3P occupation class, unlessa“specialty”isdeclaredthatwouldclassifytheminadifferentoccupationclass.Pleaserefertothe“OccupationClassification”listinglaterin this guide for the specialty listing.

See page 5-86forBOEStartingProfessionalGuidelinesandpage5-105 for Buy-SellStartingProfessionalGuidelines.

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Starting Professional Limits

base cAt retireGuard specialty Amount rider rider

doctorM.D., D.O. First 2 years in practice $7,000 $6,000 $1,0002nd through last year resident $5,000 $3,400 $1,000First year resident $4,000 $2,500 $750Interns $3,000 $1,800 $5003rd & 4th year medical student $2,500 $1,500 $250

dentistDDS, first 2 years in specialty $6,000 $4,800 $1000DDS, first 2 years in general $4,000 $2,500 $750Dental resident/intern $3,500 $2,300 $500Dental Student (final year) $2,500 $1,500 $250

AttorneyFirst 2 years in private practice $4,000 $2,500 $750Senior Year Law Students $2,500 $1,500 $250

cpAFirst 2 years in private practice $3,500 $2,300 $750

optometristFirst 2 years in private practice $4,000 $2,500 $750

VeterinarianFirst 2 years in private practice $4,000 $2,500 $750Senior veterinary students $3,000 $1,800 $500

engineerStarting in private practice $4,000 $2,500 $750

ArchitectStarting in private practice $4,000 $2,500 $750

nurse practitioner $4,000 $2,500 $750

physician’s Assistant $4,000 $2,500 $750

pharmacistPharmacist $3,000 $1,800 $500Senior pharmacy student $2,000 $1,250 $250

psychologist (phd) $3,000 $1,800 $500

crnA $3,000 $1,800 $500

senior MbA $2,000 $1,250 $250


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DiscountsAvailablediscountsforfully-underwrittenpolicies(non-GuaranteedStandard Issue)

• 5%First-YearLife/DICross-Sell(notavailableinNJ)

• 10%SpouseDiscount(notavailableinCAandMD)

• 10%AssociationDiscount(3+lives)*

• 15%Multi-LifeDiscount(3-20lives,Employerpaid–notavailableinCA,FL,NY)

• 25%Multi-LifeDiscount(3-20lives,inCA,FLandNYonly)

See page 4-2 for more information on employer-pay and employer-endorsed Multi-Lifediscounts.

first-year life/di cross-sell discountThefirst-yearlife/DIdiscountprovidesa5%reductionofftheinsured’sfirst-yearannualDIpremiumwhenhe/shepurchasesMassMutuallifeinsurance and Radius® concurrently, or if life insurance was purchased within the six months prior to the quote date of Radius®. The discount is only allowed at time of the DI policy issue, and is not available in combination withtheassociation,multi-lifeorlargecasediscounts.(NotavailableinNJ)

See individual product specification charts for specific discount information.

spouse discountA10%SpousalDiscount(notavailableinCAandMD)isavailableifanapplicant purchases or has in-force, a Radius®, MaxElect®,BOEorBuy-Sellpolicy. The spouse may purchase a Radius® Individual policy.

Features:

• 10%permanentdiscountfororiginalapplicantandspouseIFpolicies are applied for concurrently, and no other discount exists (appliestosex-distinctrates)

• 10%permanentdiscountforspouseonafully-underwrittenpolicy(appliestosex-distinctrates)

• 10%first-yearcommissionreduction

* Not available in Montana


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discount:

a) individual sale–10%permanentdiscounttobothspouses

Applieswhenindividualandspousepolicyaresoldconcurrently–concurrent meaning that Part I of each application must be signed within 45 days of the other

b) individual sale–10%permanentdiscounttospouse

Applies when spouse policy is sold outside of guidelines above; 10%discountavailabletothesecondtoapply

c) Multi-life/Association sale then individual policy to spouse–10%permanent discount to spouse

A10%discountisavailabletotheindividualnotinitiallyofferedadiscount; only one discount per person will apply

concurrent life And disability income ApplicationsWhenlifeanddisabilityincome(includingBusinessOverheadExpense)areapplied for concurrently, medical underwriting requirements for the life part of the application will prevail unless the disability sections necessitate more extensive requirements. Financial requirements are necessary for all disabil-ityapplicationsunlessapplyingundertheStartingProfessionalLimits.

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Travel and Residence Guidelinesforeign travel–U.S.citizensplanningbriefforeigntrips(nottoexceed60continuous days or 120 days total within a one-year period) for business or pleasure will be considered for coverage. Any individual with foreign travel exceeding 60 continuous days, or who travels to areas deemed unsettled or dangerous, will not be offered coverage.

foreign residence–U.S.citizensplanningtoresideoutsidetheU.S.forgreater than 60 days will not be considered for coverage.

non-u.s. citizens living in the u.s.–ClientswhoarenotU.S.citizens,butare living full-time in the U.S., will be considered if they meet the following criteria:

• OccupationalClasses:5A,5P,4A,4P,3Aand3P

• ResidingintheU.S.foratleast3years

• OwnspersonalassetsinU.S.

• FamilymembersresidinginU.S.(evenmorefavorableifU.S. Citizen)

• HasestablishedhealthcareproviderinU.S.

• PlanstoremaininU.S.

• Nofrequentforeigntravel

ANon-Citizen,and/orForeignTravelandResidenceSupplement,formf6290canbeobtainedfromFieldNetorWarehouseXpress.

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Overinsurance GuidelinesDisability Income Coverage is offered to clients based on a percent of theircurrentearnedincome.Thatpercentisordinarilybetween60%and80%,andvaries,dependinguponwhetherthebenefitswillbetaxableornon-taxableandwhetherGroupLTDcoverageisin-force.Coverageisoffered at this replacement ratio percent so that the insured has incentive to return to work.

Clients who currently have coverage that exceeds our Issue and Participa-tionLimitsbasedonincome(i.e.,donotfinanciallyqualifyforadditionalcoverage) are not eligible to apply for additional coverage or products. However,wewillissuethefollowingridersandamountstothoseclientsnot overinsured based on income, but whose coverage does exceed our maximum I & P occupation class limits:

retireGuard® (rG) rider or stand Alone–upto$3,000overourcurrentmaximum I & P occupation class limits

catastrophic disability benefits rider–upto$12,000overourcurrentmaximum I & P occupation class limits

example

• 38year-old,3p(dentist)occupationclass,income=$500,000and IDIin-force=$15,500,annualretirementcontribution=$40,000 ($3,333/mo)

The client does financially qualify for amount of coverage in-force, however,he/sheasa3Poccupationclass,issubjecttoaMaximumIssueLimitof$15,000.Whileadditionaldisabilityincomecoveragetoprotectincomecannotbeoffered,RetireGuard® can be offered as follows:

• TotalMaximumOccupationClassIssueLimit=$15,000plus$3,000allowedforRG=$18,000

• MaximumRGallowed=$18,000–$15,500(DIin-force)or$2,500

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Policy PlacementWastagecomprisesallpoliciessubmittedtotheHomeOfficebutlaterdeclined,not-placed,orpostponed(underwritingwasnotcompleted).Improving the ratio of policies issued and placed is important because compensation, time service, agency and product costs, and customer satisfactionarepositivelyimpacted.Ourgoalistoplaceatleast75%ofthefully-underwrittenpoliciessubmittedonanannualbasis–thatis,nomorethan25%shouldbedeclined,not-placed,orpostponed.

When a policy is not placed, producers lose money because their time was spent working on business for which they will receive no commission. Also, whenDINewBusinessunderwritersspendtimeworkingonacasethatisnot placed, their overall time service is slowed on other cases that have a greater chance of being issued and paid for.

what can you do to improve policy placement?• Submitcompleteapplicationpackages(seepage1-1 for definition)

– Answerallquestions

– Providecompletemedicalandfinancialinformation

– Fulfillstaterequirements

• CallDIPre-SaleSupport(1-800-272-2216,press3forDI)toaskmedical or financial underwriting questions

• Avoidsubmittingapplicationstomorethanonecarrier

• OrderAPSsupfront(RefertotheDisabilityIncomeNewBusinessUnderwritingRequirementsGuide,di1053 for age, amount and causal APSs)

• SubmitasurveyformasrecommendedbytheDisabilityIncomeNewBusinessUnderwritingRequirementsGuidewhenapotentialclienthasunusualmedical/financialproblems

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AvocationsThe underwriting of individuals engaged in hazardous sports and avocations variesbasedoncasedynamics.Generallyanindividual,whoseincomeis derived wholly or partially from participation in a hazardous sport or avocation, will not be issued any coverage. Other situations that may prevent issuance include individuals participating in several hazardous sports and avocations, or an individual who works in an occupation that may be associ-ated with a hobby, if that person derives income or financial benefit from the combination of activities. Examples include an automobile mechanic who also races stock cars, or a scuba diver that also engages in salvage activities. It is important that full details of the proposed insured’s interest or partici-pation be furnished. A preliminary inquiry should be made if there is any question as to whether or not the proposed insured will qualify.

An avocation supplement, form A3320-8900,canbeobtainedfromFieldNetorWarehouseXpress.Form A3320-8900 must be completed whenever the applicant participates in: underwater diving; automobile, motorcycle, motorboat, or snowmobile racing; hang gliding; para-sailing; para-kiting; parachuting; sky diving; mountain climbing; mountain biking; or any other forms of hazardous activities.

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exclusion and benefit limitation ridersMany of the above avocations can be handled by use of an exclusion or limited condition rider. The rider must apply to the entire contract.

InNewYork,exclusionridersandextrapremiumsarepermittedonlyforthe activities listed. For other activities, neither a rider nor an extra premium is allowed. The policy must be issued standard or the application is denied. Therefore, complete information regarding the type and the extent of the activity is critical.

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List of Avocations by State

The following activities may be excluded in the states indicated.

(All states eXcept Michigan and new york): Aviation Water skiing

Hang gliding Mountain climbing

Sky diving or parachute jumping Cave exploring

Automobile or motorcycle racing Hunting

Powerboat racing Boxing

Skin or scuba diving Wrestling

Rodeo performing Surfing

Skiing or ski jumping

(in Michigan):

Aviation Powerboat racing

Sky diving or parachute jumping Skin or scuba diving

Automobile or motorcycle racing Rodeo performing

Hunting

(in new york):

Aviation Hang gliding

Sky diving or parachute jumping


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Medical UnderwritingThere are major differences between life and disability income underwriting:

• DisabilityIncomeunderwritingusuallyrequiresamoreextensivemedical information base

• Thefrequencyandprobabilityofdisabilityclaimsareunderthecontrol and management of the insured to a much greater degree than life claims

Inlifeinsurance,mortalityisthemajorconcern(i.e.,howlongwilltheapplicant live). In disability income, the main consideration is morbidity (i.e., whether or not the insured will become disabled).

field underwriting plays a major role in the underwriting process. provid-ing detail and complete financial, medical, and avocation information with the application is the key to a timely decision. Even if a paramedical examination is scheduled to be completed, the non-medical part 2 should be completed at time of application. This will prevent delays, by allowing the underwriter to start medically evaluating the case by ordering any necessary requirements, such as an Attending Physicians Statement, while also alerting the producer to potential health issues that may result in a substandard policy. Knowing this information up front, the producer can pre-sell the case by preparing the client ahead of time for a possible substandard decision.

Modified risksCertain classes of risks, not eligible for coverage at standard rates, may be consideredsubjecttoanextrapremium,reducedbenefitamount,and/orshorter benefit periods. Many impairments have a more serious effect on the cost of disability insurance than on life insurance. For example, some casesofpsychological/emotionaldisordersmayqualifyforstandardlifeinsurance, but may be ineligible for disability or overhead expense coverage on any basis; or favorable cases of diabetes eligible for life insurance with a moderate rating would require a relatively higher rating for disability coverage. Musculoskeletal problems, such as back history, are not signifi-cant for life insurance, but are a concern for disability insurance. Due to this differentiation, Attending Physicians Statements are more frequently requested for disability applications.

PleaserefertotheDisabilityIncomeInsuranceNewBusinessUnderwritingRequirementsGuide,di1053, for those conditions that would necessitate an AttendingPhysician’sStatement(APS)attimeofunderwriting.

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buildSignificant degrees of obesity may be considered for coverage, provided there are no related impairments and the family history is favorable. The followingBuildChartisforbothmenandwomen.Iftheclientiswithin10 lbs. of the ratable limit, a paramed exam will be required. Underwriting action will be driven by where the applicant falls within the chart, and the coverage amount and policy design applied for. Offers may range from a small rating, to a reduced benefit period and large rating. Applicants whofalloutsideoftheBuildChartmaynotbeeligibleforcoverage,andasurvey application is recommended.

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Build Chart

height Maximum standard feet/inches weight 4 - 10 143 4 - 11 148 5 - 0 153 5 - 1 158 5 - 2 164 5 - 3 169 5 - 4 174 5 - 5 180 5 - 6 186 5 - 7 191 5 - 8 197 5 - 9 203 5 - 10 209 5 - 11 215 6 - 0 221 6 - 1 227 6 - 2 233 6 - 3 240 6 - 4 246


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survey ApplicationsSurvey applications should be submitted when a medical history is signifi-cant enough where an offer may not be possible. A survey application is only underwritten medically. Survey applications help manage costs, as well as avoid agency wastage.

Examples of situations where a survey application should be submitted include:

• Psychological/emotionaldisorders

• Diabetes

• Cardiachistory

• Buildthatfallsoffourchart

• Historyofalcoholanddruguse

• Cancer

A survey application, form A3050-9000,canbeobtainedthroughFieldNetorWarehouseXpress.PleaseconsultwithyourUnderwriterifyouareunsureifa formal application should be taken.

Most histories of psychological and emotional disorders may not qualify for coverage, particularly if rated for life insurance.

Somealcohol/substanceabuseproblemcasesmaybeconsidered,however,themaximumbenefitperiodwillbelimited.Generally,aperiodoffiveyearsof recovery supported by job and lifestyle stability are necessary before any typeofdisabilityincomeinsurancecanbeoffered.Certainalcohol/substanceabuseproblemcases(particularlythoseinvolvingahistoryofsevereexcessesor institutional or medical treatment) will not qualify on any basis, even if the history is sufficiently in the past to permit standard life insurance.

If there is any information indicating the possibility of a rating for life insurance, disability income should not be proposed without consulting DI NewBusinesspreliminarilyforanopinion.Policieswillusuallybeissuedon a rated basis at ages 18 to 64.

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exclusion ridersCertain risks, where physical findings or medical histories indicate a more than normal possibility of disability, may be insured with an exclusion rider. An exclusion rider excludes MassMutual’s liability for disabilities caused or contributed to by the particular impairment excluded. Examples arebackdisorders,arthritis,andjointdisorders(knees,etc.).Otherimpair-ments, such as existing kidney stones, can require an exclusion rider because surgery may be elected and could result in a claim under the policy. In some situations, an exclusion rider will be used to extend the waiting period or limit the benefit period on a specific impairment. This allows a shorter policy waiting period and longer benefit period on everything else.

In some cases, in addition to an exclusion rider, an extra premium will be required because the rider itself does not exclude all extra hazards arising from the specific physical finding or medical history. An exclusion rider can also be used to exclude disabilities resulting from a specific activity or activities.(SeeAvocationsonpage1-12 and Modified Risks on page 1-13.)

Any exclusion rider must be dated and signed by the insured and returned to theHomeOfficeforavalidcontracttobein-force.

limited condition riders These riders are a more liberal alternative to full exclusion riders. Specifi-cally, if disability is due to the impairment or avocation described in the benefit limitation condition rider, a limited benefit will be paid for that disability. As in any other situation, income payments will stop if the insured is no longer disabled. The limitation does not apply to the waiver of premium benefit. Waiver will be allowed as if the rider did not exist.

Whether or not a limited condition rider will be offered in any particular case isatthediscretionofDINewBusinessUnderwriter.Asisthecasewithtotalexclusion riders, any limited condition rider must be dated and signed by the insuredandreturnedtotheHomeOfficeforavalidcontracttobein-force.

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rated cases Anextrapremiumclassification(rating)isoccasionallynecessaryduetoeithermedicalornon-medical(example,poordrivingrecord)factors.Therating is expressed as a percentage increase in either the sickness portion and/ortheinjuryportionofthestandardpremium.Ifapolicyisrated,someriders are not available. See the underwriting approval message for details as to the rating.

Dividends, if applicable, are not paid on the rating.

If there are any riders attached to the policy, the additional premium must be calculated for each of them.

reconsideration of Modified risks Policies modified and issued other than applied for, i.e., an exclusion rider and/orrating,canpotentiallybere-evaluatedatsometimeinthefutureif new medical information is available for our review. If the underwriter determines that there is a reduction in the risk, the modification may be removed or reduced. See the underwriting approval message for details regarding reconsideration period.

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Policy Administration replacementsIn some situations, the MassMutual applicant has decided to replace coverage in-force with another company. This should be decided only after fully discussing and considering the advantages and disadvantages of that particular replacement. When replacement is elected, the terminating policy amount and carrier must be listed in the Part 1 replacement question. This same information, plus the date to which premiums on the terminating policy are paid, must be listed in the replacement section of the application. When qualification for MassMutual DI is contingent on replacement of existing coverage, completion of our application should be deferred until twoorthreemonthspriortothepremiumduedateontheexistingpolicy/policies. To avoid making the applicant pay for duplicate coverage, we can date our policy ahead as much as 90 days to coincide with the premium due date of the expiring policy.

The premium should not be collected prior to the effective date of the MassMutual policy. Delivery will be subject to an unmodified insurability statement.

See the Special State Requirements section on page 1-21 for further informa-tion on replacement requirements.

policy datingThe Part 1 of the application can be dated ahead up to 90 days in advance, and can be backdated up to 60 days into the past. Premium is not accepted more than 10 days prior to the policy date.

policy delivery GuidelinesBeforeapolicycanbereceiptedbyMassMutualandcommissionspaid,alldeliveryrequirementsmustbesubmittedandreturnedtoMassMutual’sHomeOffice. These requirements include:

• PACforms

• Signed&DatedAmendmentForms(whennecessary)

• Signed&DatedExclusionForms(whennecessary)

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Special State RequirementsApplicationsThe general versions of Part 1 and Part 2 Applications are used in most states. Special versions of some of these forms are required. Please refer to theNewBusinessChecklistlocatedonFieldNetforspecialrequirementsand form numbers. Some states mandate the use of application supplements. Ifasupplementisrequiredinyourstate,remembertosendittotheHomeOffice along with the Part 1.

state specific formsFor state specific forms required for application submission, please refer to theNewBusinessChecklistlocatedonFieldNet.

replacementsSomestatescurrentlyrequirethata“NoticetoApplicantRegardingReplacementofHealthInsurance”formbegiventotheproposedinsuredwhen existing coverage with MassMutual or any other company is being replaced by another policy. The content of such replacement forms varies on astate-by-statebasisandisavailableineachagency/salesoffice.Seethetableon page 1-21 for states that currently have replacement form requirements.

Two copies of each replacement form must be properly completed. One copyshouldbesenttoMassMutual’sHomeOfficeand1copyshouldbegiven to the proposed insured.

outlines of coverageCertain states have enacted laws or regulations that mandate the use of Outlines of Coverage. The new generic forms are oXls-12 (radius® 12) and oMe-12 (Maxelect®12). See the table on page 1-21 for a listing of those states.

For those states that required an Outline of Coverage at time of applica-tion, the Signature page must be signed by the applicant and mailed to the HomeOfficewiththepaperapplication.AsignedSignaturepageisrequiredin order for the policy to be issued. The Outline of Coverage form can be obtainedfromFieldNetorWarehouseXpress.

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risk located statesRisk located states require agents to be licensed in the state of the insured’s residence, in addition to the state where the Part 1 will be signed, if different. The following jurisdictions adhere to this rule:

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Risk Located States

AK – Alaska KS – Kansas PR – Puerto Rico

AZ – Arizona LA – Louisiana WV – West Virginia

CO – Colorado ME – Maine

ID – Idaho NM – New Mexico

Radius® Application Forms

F26-12 Disability Income Application

A5OGE702 Non-medical Part 2

F26-12A Agent’s Certificate

N148-9000 Notice to Applicant

FR1133 Temporary Individual Disability Insurance Agreement

Miscellaneous Application formsF200-07 Policy Change Supplemental Application

F306b Internal/External Replacement Form

F4875-07 Short Form Disability Income Application

F100-02 Application for Additional Disability Benefits (FIO)

F26S Supplemental Application for HIV Rider Benefits

A3320-8900 Avocation

REIN-97(DI) Reinstatement Application

F8186 Authorization for the Release of Personal Health-Related Information (HIPAA)


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Table of Special State Requirements

state outline of coverage replacement formAlabama — — Alaska — — Arizona — — Arkansas Yes* Yes California Yes# — Colorado — Yes Connecticut Yes* Yes Delaware Yes* Yes DC — — Florida Yes Yes Georgia Yes# — Hawaii — — Idaho Yes# Yes Illinois Yes* Yes Indiana — — Iowa Yes* Yes Kansas Yes* — Kentucky — Yes Louisiana — — Maine Yes* — Maryland — — Massachusetts Yes Yes Michigan — — Minnesota — — Mississippi — — Missouri — —Montana Yes# —Nebraska — —Nevada Yes# YesNew Hampshire Yes# Yes

* At time of application or with policy. If given at time of application and the policy is issued not as applied for, a new outline is required.

# At time of application. If policy is issued not as applied for, a new outline is required.

continued


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Table of Special State Requirements (continued)

state outline of coverage replacement formNew Jersey Yes* YesNew Mexico — —New York Yes —North Carolina — —North Dakota Yes# —Ohio — —Oklahoma Yes YesOregon Yes# —Pennsylvania Yes YesRhode Island Yes* —South Carolina Yes YesSouth Dakota Yes —Tennessee — —Texas Yes# YesUtah Yes* YesVermont Yes* YesVirginia — YesWashington Yes* YesWest Virginia Yes# YesWisconsin Yes# YesWyoming — —

* At time of application or with policy. If given at time of application and the policy is issued not as applied for, a new outline is required.

# At time of application. If policy is issued not as applied for, a new outline is required.


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contract changesAfter the initial premium is reported any changes to the contract are handled by MassMutual’s DI Customer Service Department.

The DI Customer Service Department can prepare quotes to determine the cost of a change, advise on requirements, process approved changes to the contract, apply appropriate commission adjustments and difference in premiumadjustments(costs/refunds),andprocesslostpolicyagreements.

To initiate a request for a quote to reinstate or change the contract:

• CallDIServiceCenterat1-800-272-2216

• E-mail the form di6312 to [email protected]

• OrfaxtheDisabilityIncomeIn-ForceIllustrationRequestform,di6312, to the In-Force Illustration Unit at 1-860-562-6130.

The form di6312isafillableformandcanbelocatedonFieldNet.

requirements for di contract changes• Underwritinghastheoptiontorequestadditionalfinancialand/or

medical requirements after initial review

• Approvalofanyrequestedchangeissubjecttotherulesineffectatthe time of the request

• Stateversionsofsomeformsarerequired

• PleasecalltheDIServiceCenterat1-800-272-2216fortheavailabilityofriders,waiting/benefitperiods,andstaterequirements

re-dates of paid cases–Casesinwhichtheinitialpremiumhasbeenreported.

Re-dates are only processed when there was an issue error. Otherwise, we do not allow the re-dating of paid-for contracts.

right to Apply for Additional benefitsMassMutual’s disability income policies include the right to apply for additional benefits. A new application and proof of insurability is required. Current published underwriting guidelines will apply. The maximum amount of additional benefits that can be purchased is subject to the issue andparticipationlimitsatthetimeadditionalbenefitsareappliedfor.Notallriders are available under this provision.

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continued


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The Right to Apply provides the insured with the ability to increase coverage underthebasepolicywithoutpurchasinganadditionalpolicy.*

After-issue rider Attachments –Availableoncurrentproductofferingonly.

These additions will require full medical and financial underwriting unless it is the exercise of a guaranteed option, such as FIO. Please refer to the underwriting guidelines for the application-eligible attachments and the requirements that are needed. Subject to state availability.

reinstatementThe guidelines have been streamlined and now apply to All DI policies servicedbyMassMutual(NYandCApoliciesmayhavedifferentrequirements).

• Policieslapsedlessthan63days–no underwriting is required, policyisreinstatedbypayingthebackpremium.Graceperiodapplies to only the first 31 days for coverage

• Policieslapsedbetween63and180days–Completetherequiredform, rein-97 (di) and back premium is due. The underwriter will determine if additional requirements are needed due to cause

• Policieslapsedbetween181and365days–Completetherequired form rein-97 (di), back premium is due and follow the age/amount-underwritingchartfortheappropriatemedicalandfinancialrequirements(seetheDisabilityIncomeNewBusinessUnderwritingRequirementsGuide,di1053)

we do not reinstate policies that have been lapsed for over one year.

The form rein-97 (di)canbelocatedonFieldNet.Pleasenote,formmaybestatespecific.NYandCApoliciesmayhavedifferentrequirements.

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* Does not apply to FlexElect Individual, FlexElect Multi-Life and MaxElect. Additional benefits applied for will be added to the existing in-force policy as long as the policy series is available in the contract state. If it is not available, we will provide a new policy based on the current policy series being offered in the insured’s contract state at the time of application for additional benefits.


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Types of Policy ChangesPlease note, availability may be limited based on contract series. The form f200-07 is required for the following:

rider Additions–addingadditionalridersoroptionstoapolicyafterissuance of the contract. These changes represent additional risk and will require full underwriting.

reductions in coverage–loweringthemonthlybenefitorremovingridersafter a contract has been paid for. These changes do not represent additional risk; therefore, no underwriting is required.

occupational class changes–achangeinoccupation/dutiesthatresultsin a more favorable occupation class designation. This change will require underwriter review and approval.

benefit period changes–increasesordecreasesthelengthofthebenefitperiodofthepolicyand/orriders.Decreaseswillnotrequireunderwritingwhile increases, which present additional risk, will.

waiting period changes–increasingordecreasingthelengthofthewaitingperiodofthepolicyand/orriders.Anincreaseinthewaitingperiodwillnotrequire underwriting while a decrease, which presents additional risk, will.

rating Adjustments/removals –removalorfavorableadjustmentofa substandard premium. This change will require underwriter review and approval.

exclusion rider Adjustments/removals–certainrisks,wherephysicalfindings or medical histories indicate a more than normal possibility of disability, may be insured with an exclusion rider. These riders can be adjusted to extend the waiting or benefit period on a specific impairment, or removed based on current medical information.

change in tobacco status–ifaninsuredhasnotusednicotineinanyform within the last 12 months and is in as good health as when originally underwritten, subject to underwriter review, the policy may be changed to reflect non-smoker premiums. A current urine specimen will be required.

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future insurability option (fio) –theFIOallowstheinsuredtoincreasehis/hermonthlydisabilitybenefitsduringaspecific“OptionPeriod”.Thisoption requires the form f100-02* and financial underwriting requirements will apply as noted in the underwriting guide. Medical underwriting will be required if the benefit amount applied for exceeds the purchase option amountoriftherequestfortheoptionisnotduringthe“OptionPeriod.”

future insurability option (fio) Guidelines for radius – pre fio11

Maximum fio pool

• Throughage50-2x(Base+SIRbenefits)toamaximumof$10,000

• Afterage50-50%x(Base+SIRbenefits)toamaximumof$10,000

Minimum exercisable Amount – $100

Maximum exercisable Amount

• Throughage50=1x(Base+SIR)

• Greaterthanage50=onehalftheinitialMonthlyBenefit (Base+SIR)

* For Buy-Sell and BOE form f200-07 is required. forms f100-02 and f200-07, can be located on FieldNet or through WarehouseXpress.

contract changes with Graded premium FutureInsurabilityOption(FIO),RighttoApply(RTA)andAutomaticBenefitIncrease(ABI)

• Increaseswillbeissuedwithlevelpremiums

• FIOandRTAwillbeissuedatcurrentratebook

• ABIwillbeissuedatillustratedratebook

Increases to a policy with a graded premium, will result in a policy having both graded and level premiums.

elimination period or benefit period change• Newpremiumwillbegradedwithattainedageratesandoriginal

rate book will be used

Adding a rider • Riderwillbeissuedwithlevelpremium,attainedagerateand

current rate book.


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Right to Apply F26 XL X X Y

FIO F100 CM, XL X Y

DIPR F100 MM X Y

AIB Renewal F100 XL X Y

AIR Renewal F100 MM X Y

Occ Class Change F200 All Contracts X Y

Change to Non-tobacco Use F200 All Contracts Specimen Y

Waiting Period Change F200 Current

Products Only Decrease X Y

Benefit Period Change F200 Current

Products Only Increase X Y

Rating/Exclusion Rider Removal F200 All Contracts X Y

Rider Reduction or Cancellation F200 All Contracts Y

Rider Attachment F200 Current Products Only X X Y

Decrease in Benefit Amount F200 All Contracts Y

Reinstatement Rein-97 (DI) All Contracts 6 mo. + 6 mo. + Y

Reinstatement (NY)

F67-84 XL, CM 6 mo. + 6 mo. + Y

A3010 MM 6 mo. + 6 mo. + Y

BOE Conversion F26 All Contracts X Y

GSR Conversion F200 XL X Y

Conversion of AIR/CMR/ARDI F100 MM X Y

Contract Changes Form Numbers and Names

* Amendment to existing contract. This form should be requested through the DI Service Center 800#.


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Contract Changes Form Numbers and Names (continued)

All forms listed can be found on FieldNet. The f100 form contains Financial Information only.

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CRDIP Renewal A1923 MM X Y

Extending Beyond Age 65

F26 MM Y

A3DIS 9500

MM (NJ, NY, FL) Y

* CM, XL N

Disability Policy Cancellation Request

F6365 All N

Duplicate Policy Request F5307 All N

Revocable Dividend Order F5338 MM N

Agency Transfer, Dividend Option Change, Dividend Withdrawl

F5341 All N

Name Change, Mode Change, Address Change

F6070 All N

Ownership Change F5248 All N

Collateral Assignment F6088 All N

Collateral Assignment (BOE) F6257 All N

Release of Assignment F5143 All N

Pre-authorized Check Service F6445 All N

HIPAA Authorization

F8186/ 8187 All N

Foreign Travel Form F6290 All N


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policy number range2, 3, 4 & 6 million 9 & 12 million 80 million+MPR OPM XL

Adjustable Benefit (AB) – 79, 83, 84

Non-Cancelable (NC) – 79, 83, 84

Small Business Overhead Expense (SBOE)

Prior to Series 79: Modified Premium Plan 65, Guaranteed Continuable

Overhead Expense

DI 6500, 7200, 7400, 7800, 8100, 8400, 8700, 8800, 9000, 9200 and 9500

BOE – 9000 and 9200

Radius®

MaxElect®

XL’88/89, XL’91, XL’92 XLS’92, XL’95

FlexElectSM

Axis®

Buy-Sell

Business Overheard Expense (BOE’99)

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Product Legend

When to Use a Resident vs. Contract State Application for Contract Change Functions:

Right to Apply – Increase to Benefit – Rider Attachment

XL (8 mil) Resident State

Medically Underwritten Changes All Products Resident State

Decrease in Coverage All Products Resident State

FIO XL and MPR Resident State

DIPR OPM Resident State

Reinstatements All Products Resident State

changes Available to in-force Axis® policies• Namechange/correction

• Addresschange/correction

• Billingmodechanges

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Conditions for Renewals

Products: Radius® 04, Radius® 07, Radius® 10, Radius® 12, MaxElect® 04, MaxElect 07®, MaxElect®10, MaxElect®12, FlexElectSM Individual and FlexElectSMMulti-Life

These Policies may be renewed on the Policy Anniversary that falls on or next following the insured’s 65th birthday. Renewal is conditional for one-year periods on each Policy Anniversary Date up to the insured’s 75th birthday. This Policy Anniversary Date is also the renewal date.

Policy may be renewed if the insured:

• IsnotDisabled;and

• IsActivelyAtWork

Premiums at renewal are based on the Insured’s Attained Age and rates in effect at the time of renewal.

product Availability:

• Available60dayspriortotheAnniversaryDate

– Uptotheoriginalbaseamount–totalonly

– Mustnotbedisabledandmustbeactivelyatworkaminimumof 30 hours per week

Application and underwriting offer process:

• CompletedDisabilityIncomeQuestionnaireforContinuation

• FinancialRequirements–pleaserefertothedi1053 guide


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Extending Coverage Beyond Age 65

original contract new contract policy continuation status

Radius® (98, 01) Radius Transition Select Cannot be disabled, renewable for life or until employment decreases below 30 hours

Radius® (98, 01), (FL, NJ, MN)

9500 Conditional Renewable Disability Income Protection

Cannot be disabled, renewable for life or until employment decreases below 30 hours

Radius® (98, 01), NY 9200 Conditional Renewable Disability Income Protection – subject to financial underwriting

Cannot be disabled, renewable for life or until employment decreases below 30 hours

XL 88/89; XL 91; XL 92; XLS 92 and XL 95

Radius Transition Select Cannot be disabled, renewable for life or until employment decreases below 30 hours

NY XL 88/89; XL 91; XL 92; XLS 92 and XL 95

9200 Conditional Renewable Disability Income Protection – subject to financial underwriting

Cannot be disabled, renewable until age 99 or until employment decreases below 30 hours

FL, NJ, MN XL 88/89; XL 91; XL 92; XLS 92 and XL 95

9500 Conditionally Renewable Disability Income Protection – subject to financial underwriting


Business Overhead Expense (BOE) 99

Renew Cannot be disabled, renewable until age 75 on a yearly basis or until employment decreases below 30 hours

Connecticut Mutual (CM) BOE/CM Small Business Overhead Expense (SBOE)

Renew Cannot be disabled, renewable for life or until employment decreases below 30 hours

Axis® Renew Cannot be disabled, renewable until age 75 on a yearly basis or until employment decreases below 30 hours

Prior to Series 79: Modified Premium Plan 65 (MOD); Guaranteed Continuable; and Overhead Expense

Renew Cannot be disabled, renewable one time for a five year period

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Extending Coverage Beyond Age 65 (continued)

original contract new contract policy continuation status

Non-Cancelable (NC) 79; Adjustable Benefit (AB) 79; Guaranteed Continuable 79; and Overhead Expense (OE) 79

Renew Cannot be disabled, renewable until age 72 on a yearly basis

AB 83; NC 83; OE 83; AB 84; NC 84; and BOE 85

Renew Cannot be disabled, renewable until age 72 on a yearly basis

61+ Contract Renew Cannot be disabled, renewable until employment decreases below 30 hours

9000* & 9200 BOE Disability Income product available at time of expiration, subject to financial underwriting

Cannot be disabled, renewable until employment decreases below 30 hours

8100*; 8400*; 8700*; 8800*; 9000*; 9200; and 9500

Radius Transition Select Cannot be disabled, renewable until age 99 or until employment decreases below 30 hours

FL, NJ, MN 8100*; 8400*; 8700*; 8800*; 9000*; 9200; and 9500



NY 8100*; 8400*; 8700*; 8800*; 9000*; 9200; and 9500



*BOE policies prior to 9000 cannot be converted.


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Instructions on Extending a Policy Beyond Age 65 by Product

1. notification letter for all products:Aletterwillbesenttotheclientapproximately45-60dayspriortohis/herpolicyanniversarydatecoincidingwithorfollowinghis/her65thbirthday.Thisletteradvisestheclientthathe/shemaybeeligibletoextendcoveragebeyondage65.Theletteralsoadviseshim/hertocontacthis/heragentorcallthe DI Service Center at 1-800-272-2216 for additional information.

1a. Notificationletter(continued)forthefollowingproducts:

radius® (98,01)An“AmendmenttoPendingApplication”formissenttothepolicyowner under different cover shortly following the expiry letter. The form may be completed by the policyowner and returned toAccountServices,H066.Ifapremiumquoteisneeded,theletteradvises to contact the DI Service Center at 1-800-272-2216.

1b. Notificationletter(continued)forthefollowingproducts:

Mod 65 (prior to 79 series), Guaranteed continuable, Guaranteed continuable 79, ohd, non-cancelable 79 (nc), nc 84, nc 84, oe 79, oe 83, Ab 79, Ab83, Ab 84, business overhead expense 85Attached to the letter is a tear-off form to be signed and returned by theclientifhe/shewouldlikeadditionalinformationonextendingthe coverage beyond age 65. This form may be returned to the agent orDIAccountServices(1295StateStreet,H066,Springfield,MA01111-0001). The agent will also receive a copy of this letter.

2. when to apply:Thirty days prior to the policy anniversary date and until 30 days after that date, coinciding with or next following the insured’s 65th birthday.

3. effective date of extension:Expiration date of original policy. Premiums will need to be paid by the client from that date to extend coverage.


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4. to apply, for the following products:Theagent/clientshouldcontactDICustomerServiceCenterat1-800-272-2216 or fax 1-860-987-2208 to receive the following information listed below each product category.

4a. Mod 65 (prior to 79 series), Guaranteed continuable, Guaranteed continuable 79, ohd, non-cancelable 79 (nc), nc 84, nc 84, oe 79, oe 83, Ab 79, Ab83, Ab 84, business overhead expense 85• “ProposaltoExtendBeyondAge65”form(costmemo);and

• “AmendmenttoPendingApplication”form

If the client wishes to continue coverage, a signature and completed amendmentformmustbereturnedtoDICustomerService,H066.

4b. Xl89, Xl91, Xl92, Xls92, Xl95, radius® (98,01), Axis®, cM boe, sboe and boe99 • Newpremiumamountfor61+contract

• “AmendmenttoPendingApplicationBeyondAge65”form

• Radius®(XL98)willreceivethe“AmendmenttoPendingApplicationBeyondAge65”formshortlyaftertheexpiryletteris sent

If the client wishes to continue coverage, a signature and completed amendmentformmustbereturnedtoDIAccountServices,H066.

4c. 8100, 8400, 8700, 8800, 9000, 9200 and 9500• Newpremiumamountfor61+contract

• Acompletedstatespecific f26 form and financial information. Theagent/newbusinesscoordinatormustApplicationDataEntry(ADE)anewpolicynumberforthe61+contract

4d. fl, nJ, ny, Mn 8100, 8400, 8700, 8800, 9000, 9200 and 9500• AcompletedstatespecificA3DIS9500andfinancialinformation

mustbesubmittedbytheclienttoDINewBusiness,H280

• Theagent/newbusinesscoordinatormustApplicationDataEntry(ADE)anewpolicynumberfortheCRDIP

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5. Additional requirements:Theagentshouldadvisetheclientthathe/shemustbeworkingfull-time(atleast 30 hours a week) and cannot be disabled at time of application to be eligible. MassMutual may require proof of client’s employment.

6. coverage for the following products: 6a. Mod 65 (prior to 79 series), Guaranteed continuable, Guaranteed

continuable 79, ohd, non-cancelable 79 (nc), nc 84, nc 84, oe 79, oe 83, Ab 79, Ab83, Ab 84, business overhead expense 85

Xl89, Xl91, Xl92, Xls92, Xl95, radius® (98,01), Axis®, cM boe, sboe and boe99 All riders from original policy will be removed and only the base benefit amount will remain on the extended policy. There will be a two-year benefit period for sickness and injury, and a one-year benefit periodforbusinessoverheadexpensepolicies(uponclaimapproval).The waiting period will remain the same as on original policy. A 365-day waiting period will be changed to 180 days.

6b. 8100, 8400, 8700, 8800, 9000, 9200 and 9500

fl, nJ, ny, Mn 8100, 8400, 8700, 8800, 9000, 9200 and 9500The total amount to be converted is the combination of base benefit, AnnualIncreaseRider(AIR),AdditionalMonthlyIncomeRider(ARMI),AnnuallyRenewableDisabilityIncomeRider(ARDI),ContingentMonthlyIncomeRider(CMR),DeferredMonthlyIncomeRider(DIR)andtheSupplementalMonthlyIncomeRider(SIR)thatwas in-force at time of conversion, subject to the current issue and participationlimitsforoccupationalclassandage.(120daywaitingperiod for 9500 CRDIP)

7. premiums for the following products: 7a. Mod 65 (prior to 79 series), Guaranteed continuable, Guaranteed

continuable 79, ohd, non-cancelable 79 (nc), nc 84, nc 84, oe 79, oe 83, Ab 79, Ab83, Ab 84, business overhead expense 85Newpremiumsarebasedonattained-agerates.

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7b. Xl89, Xl91, Xl92, Xls92, Xl95, radius® (98,01), Axis®, cM boe, sboe and boe99

8100, 8400, 8700, 8800, 9000, 9200 and 9500

fl, nJ, ny, Mn 8100, 8400, 8700, 8800, 9000, 9200 and 9500Newpremiumsarebasedonattainedageratesandpolicyseries.

8. policy pages for following products: 8a. Mod 65 (prior to 79 series), Guaranteed continuable, Guaranteed

continuable 79, ohd, non-cancelable 79 (nc), nc 84, nc 84, oe 79, oe 83, Ab 79, Ab83, Ab 84, business overhead expense 85Newpolicypageswillnotbesenttoclient.Endorsementpagesandpremium notices are sent to client when extension is complete.

8b. 8100, 8400, 8700, 8800, 9000, 9200 and 9500

fl, nJ, ny, Mn 8100, 8400, 8700, 8800, 9000, 9200 and 9500

Xl89, Xl91, Xl92, Xls92, Xl95, radius® (Xls98), Axis®, cM boe, sboe and boe99A new policy is sent to client along with premium notices when extension is complete.

renewing an existing conditionally renewable di policy (crdip)DI Customer Service will send a renewal application to the client approxi-mately 45-60 days prior to the annual renewal date. The renewal is subject to financial underwriting. The client must be actively employed on a full-time basis(atleast30hoursaweek)andnotbedisabledattimeofapplicationtoqualify for renewal.

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claim informationclaims processing As soon as information of an insured’s disability is received, full details, including the date of disability, cause of disability and confirmation of the insured’s mailing address, should be furnished to MassMutual by calling the DI Service Center at 1-800-272-2216.

All written communications or any other information concerning the claim, receivedatanytime,shouldbeforwardedtoMassMutual’sHomeOffice immediately.

MassMutualdi benefits department M1251295 state streetspringfield, MA 01111-0001

Cooperation in furnishing as much information as possible with respect to the insured’s disability will enable us to provide better service to your clients. The company’s decision on each claim will be conveyed to the claimant as soon as all the facts are received and evaluated. In the meantime, no comment should be made as to the company’s probable action on any claim.

claim formsClaim forms will be furnished directly to the claimant from the DI Service Center. The claim forms include a claimant’s statement, occupation descrip-tion form, attending physician’s statement, authorization to obtain informa-tionand,ifapplicable,aformtoreportBOEinformation,alongwithacoverletter with detailed instructions on completing the forms.

All policies have specific time limits for notice of claim, the submission of claim forms, and providing proof of loss. Please refer to the specific policy for further clarification when advising your clients.

When a claim is filed by a guardian, conservator, or other legal representative, a current certified copy of the appointment of that official should be furnished to theHomeOffice.Iftheinsuredismentallyincompetentandnolegalrepresen-tative has been appointed, the required claim forms may be completed on the insured’sbehalfbythepersonhavingchargeoftheinsured’saffairs.However,no benefit payments can be made until certified proof of the court appointment of legal guardianship or conservatorship is received.

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TheDIBenefitsDepartmentwillcontactyourclientifthepolicy/riderprovides an offset for Social Security, worker’s compensation or state cash sickness benefits. Proof that an application has been approved or disapproved is necessary.

With regards to Social Security disability benefits, there will be instances where we will hire an outside consultant, at no cost to the insured, to assist in the filing of the Social Security claim.

claim decisionsUpon approval or denial of a claim, the company will write directly tothepolicyholderorhis/herlegalrepresentative.Notificationoftheclaim decision will be sent to the producer. The benefit payments will be forwarded directly to the payee. The first benefit payment is payable 30 days after the end of the waiting period, assuming all of the necessary information hasbeenreceived,reviewedbytheHomeOffice,andtheclaimisapproved.

Periodically,anattendingphysicianstatementand/oraclaimant’sstatementform will be required as part of the information to determine continued eligibilityforbenefits.TheDIBenefitsDepartmentwillsendfollow-upletterstotheinsuredorhis/herlegalrepresentativeiftherequiredproofofloss is not received within a reasonable time period.

Additional claim resources Comprehensive information regarding claim services, the claim process, testimonials and other claim related topics can be found on www.massmutual.comandFieldNet.

MassMutual has also contracted with ComPsych Corporation to provide at no additional costaprogram,GuidanceResourceOnline,thatsupportsandoffers resources and valuable information to our Disability Policyholders and their families. This confidential online service provides one-stop expert information on issues ranging from personal or family concerns to legal and financial concerns.

The program features expand beyond the access to online services when a policyholder becomes disabled. Information regarding the additional features are provided to the insured as part of the initial disability benefits package when a claim is filed.

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AllMassMutualdisabilitypolicyholdersmayaccessGuidanceRe-sourceOn-line with the following information:

Online: guidanceresources.com

Company ID for first-time users: MAM705

ComPsych GuidanceResources® is a continuum of work-life, behavioral health and wellness services provided by ComPsych Corporation. MassMutual has contracted with ComPsych Corporation, an independent organization, to offer access to limited services through ComPsych GuidanceResources, including public access to GuidanceResources Online at www.massmutual.com at no cost to users and additional services available at time of claim to active MassMutual DI policyholders and insureds. MassMutual reserves the right to modify, revoke, suspend or terminate the availability of the services described above at any time, with or without notice. MassMutual assumes no responsibility or liability for information or services provided through ComPsych GuidanceResources. Questions regarding GuidanceResources or GuidanceResources Online should be directed to ComPsych Corporation. Important Note: The availability of the additional claimant services is not intended for sales related discussions with potential DI customers.

claim fAQ’s 1. if the insured calls the producer to report a possible claim, what

should be done?The producer should ascertain the cause and date of the disability and verify the insured’s current mailing address, telephone number, and policynumber(s).ThisinformationshouldbeimmediatelyprovidedtotheDIServiceCenterat(800)272-2216(accessDIviaprompt3).

2. should the producer review all policy provisions with the insured? what should or should not be said?The producer should explain the policy provisions if asked by the insured.However,undernocircumstancesshouldanyguaranteesor promises be made to the insured regarding the validity of a claim, how quickly a claim will be paid, whether or when a claim will be approved, or how much of a benefit will be paid.

3. how will the producer be kept informed on the status of a claim? will the producer be copied on all correspondence to the insured?The producer will be notified, customarily by e-mail if available, when a claim decision is made. Respect for our claimants’ privacy limits the amount of information that MassMutual can share regarding a claim matter. A producer may check the status of a claim by calling the claim examinerviaourserviceline:1-800-272-2216(accessDIviaprompt3).

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4. what should the producer’s relationship to the client’s doctor be in the claims process?Any direct contact with the insured’s medical providers will be handledbytheDisabilityBenefitsDepartment.

5. what should the producer do if the insured is represented by an attorney?TheDisabilityBenefitsDepartmentshouldbenotifiedimmediatelyofany representation by legal counsel, along with the name and address of the attorney. If the producer is contacted directly by the insured’s attorney,theattorneyshouldbereferredtotheDisabilityBenefitsDepartment.

6. how often are financial records required? if asked why financial records are needed, what should the producer say?TheDisabilityBenefitsDepartmentwillrequestfinancialdocumen-tation, usually in the form of tax returns, to establish pre-disability earnings, to validate employment prior to disability, and to verify continued loss of earned income on an annual basis. If the insured is working on a reduced or part-time basis, monthly substantiation of earnings would also be required.

7. what is the producer’s role in the claim process?The producer should exhibit compassion and understanding. The producer should encourage the insured to contact the Disability BenefitsDepartmentdirectlywithanyquestionsrelativetotheclaimor benefits that might be payable. During the course of the claim, the producershouldcontacttheDisabilityBenefitsDepartmenttorelayany concerns so that they may be addressed directly. The producer should also provide any pertinent information relevant to the claim.

8. should the producer assist the insured in completing the claim forms?The producer may assist the insured in completing the claim forms. However,theDisabilityBenefitsDepartmentwouldprefertoprovidesuch assistance through initial telephone contact with the insured early in the claims process.

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9. the insured has several disability policies with MassMutual and the former connecticut Mutual. how will a claim be adjudicated?The various proof of loss requirements for all of the insured’s policies will be identified and taken into consideration during the claim adjudication. Depending on the definition of disability in the various contracts, the insured might qualify for benefits under one contract but not another. A detailed explanation relating to the specific coverage for each policy will be provided for all claim decisions.

10. what should the producer say if asked whether the insured’s MassMutual coverage offsets for other benefit programs?If the policy contains an offset for benefits from social or legislative programs, MassMutual will offset for the receipt of these benefits. This offset is not coordinated with any other insurance carrier.

11. which of the insured’s physicians should complete the Attending physician’s statement?The licensed physician who has been treating the insured for the claimed disabling condition, and can certify to the restrictions and limitations of the condition, should complete the Attending Physician’s Statement. The treatment provided by the physician must be appropriate under normal and customary medical practices, consis-tent with the claimed disabling condition.

12. when should the insured submit claim forms?WhenclaimformsaresenttotheinsuredbytheDisabilityBenefitsDepartment, the insured is instructed to complete and return the forms assoonaspossible.ThiswillallowtheDisabilityBenefitsDepart-ment to begin evaluating the claim. In the case of an ongoing claim, the insured will be instructed as to when to return the claim forms, along with any additional information deemed necessary to determine continued benefit eligibility.

13. can the insured expect to receive a personal visit from a MassMutual representative?Yes.TheDisabilityBenefitsDepartmenthasfieldrepresentativeslocated throughout the country. A personal visit can take place at any time during the claims process, and usually involves fact gathering, answering questions, and explaining policy provisions.

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14. Are there any time constraints contained in the policies that may affect disability income insurance benefits?Yes.Mostpolicieshaveprovisionsregardingthepromptnotifica-tionofdisabilityandfilingofproofofloss.Bothprovisionsplacelimitations on benefits that might have otherwise been available to the insured if the requirements in the policy had been complied with in a timely manner. The producer should remind the insured of these requirements at the time the policy is delivered and also at the time notification of claim is received.

15. At the time of disability, the insured’s occupation is different than when the policy was issued. how will the claim be handled? which occupation will be used in evaluating the claim?The claim will be evaluated based on the insured’s income-producing work activities for the period immediately prior to the date that disability begins.

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Benefit Taxation – disability income, retireGuard®, business overhead expense and buy/sell benefits

disability income benefits:Benefitspaidunderdisabilityincomepoliciesaretreatedinoneoftwoways:(1)asanemployer-payplan,and(2)asanon-employer-payplan.

To determine whether a case is employer-pay, it is necessary to know who has paid the premium prior to disability, what type of business entity the premium payer is, and what percentage of interest the insured owns of that business. The following table may be used to assist in that determination.

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* Applies to 2% and greater owners. Otherwise, considered an Employee, non-owner.

Benefit Taxation

entity premium payor benefits

Employee, non-owner Business Taxable

Employee, non-owner Individual Non-Taxable

Sole Proprietor Business or Individual Non-Taxable

Partnership Business or Individual Non-Taxable

S-Corp *Business or Individual Non-Taxable

Corporation Business Taxable

Corporation Business or Individual with premium included on EE’s W-2

Non-Taxable

Ifabenefitisdeterminedtobeemployer-pay(i.e.,taxable),FICAtaxeswillbe withheld from any benefit that applies to a period during the first six, full calendar months of total disability, inclusive of the waiting period. After six months of disability has elapsed, FICA taxes will not be withheld, unless the insured continues to work to any degree for the employer. If this occurs then FICA withholding will continue for as long as the insured works for the employer and collects disability benefits from the policy.


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Benefitsprovidedunderemployer-payplansinwhichFICAiswithheldwillbe reported to the employer, via letter, to be included on the insured’s W-2. Benefitsprovidedunderemployer-payplansinwhichnoFICAiswithheldwill be reported annually to the recipient of benefits via a 1099.

Iftheemployer-payportionofadisabilitypolicyislessthan100%,thenthetaxation of these benefits will be in direct proportion to the percentage of employer-pay.Forexampleiftheemployerpays50%ofthepremiumandtheinsured/employeepays50%ofthepremium,then50%ofthedisabilitybenefits are subject to taxation.

note:Ifanemployercollectspremiumfromtheemployee/insured(payrolldeduction) then pays the premium with a company check, this is not consid-ered to be employer-pay for tax purposes. In this situation, the insured has paid the policy premiums through the employer. The employer did not provide company funds to pay the premiums.

retireGuard® benefits:ThetaxationofRetireGuard® benefits is similar to that described above forotherdisabilityincomepolicies.However,FICAtaxesaregenerallynotwithheldbecausethelongerwaitingperiodsexempttheRetireGuard® benefitsfromthesetaxes.Benefitsprovidedunderemployer-payplansin which no FICA is withheld will be reported annually to the recipient of benefits via a 1099.

business overhead expense (boe) benefits:AllbenefitsprovidedunderBOEpoliciesaretaxableandwillbereportedviaa form 1099totheperson/businessentitythatistheownerofthepolicyatthestart of the disability. It is strongly suggested that the business own the policy. Inthisrespect,benefitsprovidedundertheBOEpolicywillbepaidto,andreported to, the business, not the insured. The business, presumably, will have businessexpensestooffsetthepaymentsmadeundertheBOEpolicy.

buy/sell benefits:Buy-Sellpremiumsarenotatax-deductiblebusinessexpense,andanyproceedsreceivedbythehealthyowner(s)orbusinessentityaretax-free.However,ataxabletransactionwilloccur(tothedisabled owner)whenhis/her interest in the business is sold. Since the ownership interest is a capital asset, a capital gain will likely result and will be equal to the excess of the purchase price over the disabled individual’s basis in the business.

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section 2

occupational underwriting 2-1 | Occupational Underwriting Classifications 2-5 | Wrap Guidelines for Federal Employees 2-6 | Wrap Guidelines for Public Employees 2-8 | Business Owner Upgrade Program 2-9 | Special Occupations • EntertainmentIndustry 2-9 • IndependentContractors 2-10 • RealEstateDevelopers 2-11 • FinancialProfessionals 2-11

2-12 | Occupation Classes


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occupational underwriting/classificationsThis guide contains a listing of common occupations with their appropriate classifications for disability income insurance. It is important that proposed insureds be classified accurately based on this listing, since occupational class determines the premium rate and the maximum amount of coverage available. Occupational classes are assigned based on requirements of an applicant’s occupation, and the risks which that occupation poses to an applicant’s health. Occupational classifications can also be based on industry claims experience.

Some specific occupations may not be shown here. In these cases, refer to the general guidelines discussed below. For more information, check with your DI Underwriting Key Contact. Remember that these listings are guides only. DINewBusinessreservestherighttojudgeeachcaseonitsownmerits,andwill make a final decision on the basis of all information received.

completing the ApplicationPlease be specific when describing an applicant’s occupation, exact daily duties, and the nature of the business. A job title alone is not sufficient. Occupational classes are determined by the actual duties performed, not by the title, background, or training of the applicant. Include a percent-age breakdown of each duty to ensure that the underwriter has a clear understanding of the occupation. Additional information may be provided in the“Remarks”sectionorinacoverletter.

occupational schedule• class 5A–Consistsofthoseprofessionalandexecutive

occupations with the most favorable experience, where all work is performed in an office setting with minimal travel, and no direct supervision of persons with manual duties exists

• class 5p–Includesnon-invasivephysicians*

• class 4A–Includesotherprofessionalandexecutiveoccupations• class 4p–Includesinvasivephysiciansanddentalspecialists

which have exhibited favorable experience


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*Availability varies by state. Please refer to the Disability Product Approval Grid on FieldNet (DI7137). Use 4P if not available.

• class 3p–Includesgeneraldentistsandphysicianoccupationswhose claim experience does not justify a 4P designation and those who have not declared their specialties

• class 3A–Encompassesmanyprofessional,technicalandmanagerialoccupations.Inmanycasestheyare“officeonly”occupations that reflect a high degree of stability and responsibility

• class 2A–Containspeoplewhoaresupervisorsofvariousoccupations and certain skilled clerical and technical workers. Also in the 2A category are some occupations whose claim experience does not justify a 3A designation

• class A–Includesskilledworkerswhohavenounusualaccidenthazard. Also included are clerical workers and sales persons with relatively limited skills

description of termsn/A–Coverageforthisoccupationisnotavailable.

individual consideration (ic) –CheckwithDIUnderwritingKeyContactbefore taking an application. Most IC occupations are available for coverage only under special circumstances.

For assistance in determining an occupational classification, consult with aDINewBusinessUnderwriter.business owners will be classified by specific industry and duties performed.


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Classification FactorsFactors considered in determining the appropriate occupational classifica-tion include:

• Thenatureofthebusinessandexactdailyduties

• Hazardsinherenttotheoccupation

• Usualworkingconditions

• Education,trainingandexperience

• Numberofemployees

• Age

• Thecompany’sandtheindustry’sexperiencewiththeoccupation

• Part-timeemployment(workinglessthan30hoursperweek)

• Seasonaloccupations

• Hazardousoccupationswhichareuninsurable

• Unemploymentorlivelihoodswhicharenotdependentonearned income

• Occupationsperformedinthehomeoronresidentialproperty

office duties or office traveling only–Referstoindividualswhosedutiesare confined to office responsibilities and business management only, and do not include any retail sales. Duties may, in addition, include outside solicita-tion or business trips.

superintending or supervising only–Referstoanapplicantwhoisnotstrictly confined to an office.

Although the person is not engaged in the actual work, managerial duties involvethesupervisionand/orinspectionofmanufacturing,constructionorother physical operations.

skilled workers–Craft,manualandtechnicaloccupationsrequireknowledge of the process involved and a high level of coordination.

• Skilledworkersgenerallyareresponsibleforvaluableproductsorequipment and exercise some degree of judgment

• Suchpeopleusuallybecomequalifiedbyservingapprenticeships,or by completing specific technical training programs


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unskilled labor–Jobdutiesrequirelittleornoknowledgeoftheprocesses involved.

• Thesejobsrequireminimaltrainingorpastexperience

• Theyusuallyinvolvesomedegreeofphysicallabor

part-time employees–Inallcases,30hoursperweekconstitutesafullworkweek. Individuals working less than this are not eligible for disability income insurance. When an individual has a part-time job in addition to a full-time job, the duties, income and potential risk factors of both occupa-tions are taken into consideration when determining the occupational classi-fication. The lower occupational classification prevails and will be assigned to the entire contract.


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Wrap Guidelines federal employees retirement systemTheFederalEmployeesRetirementSystem(FERS)wascreatedin1987.Many of these employees have disability benefits built into their pension plans. This system coordinates the former Civil Service System with Social Security, and adds a thrift savings program with matching government contributions. When coordinating coverage with these employees, use the following“wrap”guidelines.TheSocialInsuranceRidershouldnotbeused.


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Federal Employees Retirement System (FERS)

service restrictions0–18 months of service No restrictions

After 18 months of service

Short Term Rider to the end of the first year equal to issue limit minus 60% (taxable) of actual monthly wage. Base coverage with a 365-day wait equal to issue limit minus 40% (taxable) of actual monthly wage. 100% Group Supplement Rider A and 50% GSR B. GSR A can have a minimum 90-day wait, GSR B must have a minimum 365-day wait

Over 22 years of service and age 55 or younger (Over age 55 is not eligible for benefits)

Issue/participation limits minus 60% of actual monthly wage

Note: Use the Individual Issue Limit Chart, not the Participation with Group LTD Limit Chart, to determine benefit. FERS benefits are taxable, remember to multiply by .75.

public employees retirement benefitsThePublicEmployeesRetirementBenefits(PERS)isatax-qualifieddefined benefit plan created to provide a reasonable base income to qualified employees who have been employed by a public employer and whose earning capacity has been removed or has been substantially reduced by age or disability. When coordinating coverage with these employees use the followingguidelines.*


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Note: Use the Individual Issue Limit Chart, not the Participation with Group LTD Limit Chart to determine benefit. PERS benefits are taxable, remember to multiply by .75. *Not available in California, please consult with your underwriter.

Public Employees Retirement System (PERS)

service restrictionsLess than 25 years of service and age 55 or younger


Over 25 years of service and age 55 or younger


Over age 55 Not eligible for benefits


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Working from Home Disability Income Insurance Underwriting Guidelines

self employed

Description Self employed for at least one year and must be in similar occupation as previous work*

Requirements 1 year of complete tax returns required – both personal and business

Personal History Interview (PHI)

Refer to DI1053 for published underwriting requirements

Coverage Available No restrictions

telecommuters

Description This occupation generally refers to those who are currently W-2 employees and would be performing the same duties in an office setting with a supervisor/ employee relationship remains intact.

Requirements Minimum 30 hours per workweek

Require W-2 or current paystub with year to date figure

Refer to DI1053 for published underwriting requirements

Coverage Available No restrictions

Business Owner Upgrade ProgramBusinessowners,whetherornottheyarelistedintheOccupationalUnderwriting Section, will be eligible for an upgrade provided they work full-timeyearroundandhaveatleast20%ownershipinthebusiness.

The following occupations are not eligible for this program:

• MedicalProfessions

• DentalProfessions

• Individualsworkingfromhome

• Individualsengagedinanewbusinessorprofession


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Business Owner Upgrade Program

initial class

up Grade class requirements

yrs. owning business/income

A 2A

2A 3A

• 5 or more full-time employees

• <20% manual labor

5+ yrs./$25k or more for last 2 yrs.

3A 4A • 5 or more full-time employees

• <10% manual labor


4A 5A • 10 or more full-time employees

• Office and consulting duties only


Special OccupationsThe following occupations will be addressed with special underwriting guidelines due to past and potential future instability. Please consult with your underwriter on potential cases for further clarification.

entertainment industry*Wewillconsiderself-employedandindependentpersons*whocandemonstrate that they are employed year round, show career stability and income progression.

requirements• MustbeanacceptableoccupationnotedundertheEntertainment

Industry Category

• Self-employedforatleast3years(iflessthan3years,individualconsideration may be given to those individuals in the same occupation and self-employed for at least one year)

• Demonstratesalong,verifiable,steadyincomestream–minimumtwo years of complete tax returns will be required

• Listofpastcreditsmustbeincludedwithacoverletterwhensubmitting the application

• Currentemploymentcontractmustbein-force;ifshort-term,lessthan one year, then proof of future contracts will be required

Available offer• Aminimum180-daywaitandamaximum10-yearbenefitperiod

willbeconsidered.(5yearsinCalifornia)

• 50%ReplacementRationottoexceedacapof$5,000permonth


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* Freelance persons not eligible

independent contractors/consultantsTypesofcases–based on length of time in business

A)Independentcontractoroutonhis/herownformore than two years; good history of earnings; has a number of employment contracts or on-going long-term(oneyear+)contract(s):

requirements• Prioryears’businesstaxreturns

• Currentyearprofitandlossstatement

• Currentyearcontract(s)

Available offer• Offerwillnotberestrictedormodifiedbasedonindependent

contractorstatus(wereservetherighttomodifyforotherreasons)

• Seeoccupationguideforconsultantoccupationclasses

• Withoutcurrentprofitandloss,wewillconsidergrossreceiptsfrom all contracts and expenses from prior year, and average net incomesifincreaseismorethan15%

B)Independentcontractoronhis/herownless than two years(leftemployer,waslaidofforstartedhis/herownbusinesswithinthepasttwoyears). these cases are higher-risk in nature and accordingly, we have developed the following requirements and offer guidelines:

requirements• Mustbeactivelyatworkduringthepast90days

• Clientmustbeworkingunderlong-termcontract(oneyear+)

– ifcontracthaslessthan90daysremaining,obtainrenewalcontract

– ifcontactdoesnotmeetabovecriteria,nooffercanbemadeatthis time

• Verificationofprioryears’incomemustbesubmitted–thiswillverify what client earned as an employee and, if second year on his/herown,willalsoverifyfirstyearincomeinnewventure

• Providedetailofanyseverancepackagereceivedfrompreviousemployer

• Verifynotworkingfromhome;ifclientisworkingfromhome,those guidelines will also apply


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Available offer • Forbenefitamountdeterminationuselesser of:

– averageofprioryearearnedincome+75%ofcurrentyearcontract amount or

– 75%ofcurrentyearcontractamount

• Aminimum180-daywaitandamaximum5-yearbenefitperiodwill be considered

• Refertooccupationclasssectionforconsultantoccupationclasses

real estate developersWhen calculating earned income for real estate developers, we will consider allbusinesssourceincome(earnedandunearned)thatwouldnolongerbereceived if the insured were to become disabled. Two examples of business unearned income are net business rental income and net capital gains from sale of propertythatisdevelopedandsold(consistently)inconnectionwiththe applicant’s normal business practices. In order to verify such amounts, the following must be obtained and calculated:

requirements• Twoyearsofcompletebusinessandpersonaltaxreturns

• Forincome,wewillconsiderallbusiness wages, interest, capital gains, and non-passive and passive partnership and S-Corporation interests related to real estate development

Available offer• Maximumindividualissuelimitof$7,500permonth(in-forceand

applied for) and $10,000 participation limit is available

• Atotal-only(noextendedpartial)disabilitypolicy

financial professionalsThere are a variety of financial professionals that are eligible for individual disability coverage. Occupations such as investment bankers, stockbrokers and portfolio managers are usually offered coverage without limitation, unless high net worth or excessive unearned income exists that would otherwise reduce or eliminate the need for coverage. When considering other investment profes-sionals such as hedge fund managers or venture capitalists, contact your underwriter to inquire about additional requirements and offer parameters. Some ofthefactorsthatareconsideredarestageofventure(start-upversusoperat-ing), ownership interest, personal net worth and unearned income. Financial pre-approval is strongly recommended for these occupations.


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occupation classes

Occupation Title Occ Class AccountAnt Certified Public Accountant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A Auditor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4A Other Accountant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4A Bookkeeper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3A Payroll clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3A Statistician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A

Actor and Actress (seeENTERTAINMENTINDUSTRY)

ActuAry FCAS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A FSA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A MAAA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A

Acupuncturist MD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Ph.D.(min.5yrs.experience,$75,000netincome). . . . . . . . . . . . . . 3P Other licensed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P

AdJuster Insurance(seeINSURANCE) Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A

AdVertisinG Account executive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Art director . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Graphicartist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Copywriter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Sales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Freelance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Aerobics instructor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

AGent (seeENTERTAINMENTorINSURANCE)


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AGriculture(farm,dairy,ranch,orchard)(nomanuallabor,min.5yrs.) Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Superintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Officeandgeneralduties(incidentalmanuallabor,min.3yrs.) . . . . . .A Hiredhands,seasonal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Owner, manager doing manual labor . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Air conditioninG (seeCONSTRUCTION)

Airline industry Ticketreservations(officeonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Administrativepersonnel(officeonly) . . . . . . . . . . . . . . . . . . . . . . . . .3A Air Traffic Controller . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Baggagehandler,porter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Flight attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Groundcrew . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Pilot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

AMbulAnce driVer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

AnesthesioloGist (seeMEDICALSERVICES)

AntiQue deAler Incidentalsalesduties,(min.of$40,000netincome) . . . . . . . . . . . . .3A Nodirectsalesduties(min.5yrs.exp.and$75,000netincome) . . . . .4A Some sales duties, no manual labor . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

ApprAiser/insurAnce(seespecificindustry) Real estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Jewelry(nomanuallabor) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Includes jewelry repair . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

ArchAeoloGist Office and consulting only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Supervision on site . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A


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Occupation Title Occ Class

Architect Bachelor’sdegree,officeandconsultingonly . . . . . . . . . . . . . . . . . . .5A Draftsman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Landscape(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Otherlandscape(nomanualduties) . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

ArMed forces personnel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

ArMored cAr personnel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Art restorer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Artist(notself-employed,workingfull-timeawayfromresidenceonly,andnot freelance) Commercial artist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Graphicartist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Cartoonist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Illustrator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Self-employed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Athletics Athletic director . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Clubprofessional(golf,tennis)(seeGOLFCLUB) All other professionals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A BusinessAgent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Coach(full-time) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Dance instructor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Professional athlete . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Ticket Agent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Trainer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Referee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Umpire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

AtoMic enerGy/nucleAr power Manager(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Supervisor(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Engineer(degreeinengineering,officedutiesonly) . . . . . . . . . . . . . .3A All others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Attorney (seeLEGAL)

Auctioneer(Nomanuallabor) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

AudioloGist(seeMEDICALSERVICES)


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Auditor(seeACCOUNTANT)

Author(seeWRITER)

AutoMobile industryAutodealership,sales/service:New: Owner(executivedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Manager(officedutiesonly,min.of$50,000last3yrs.) . . . . . . . . . . .3A Financemanager(other) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Servicemanager(other) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Salesmanager(other) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Sales person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2AUsed: Owner(executivedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Manager(min.of$50,000inc.last3yrs.) . . . . . . . . . . . . . . . . . . . . . .2A Service manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Sales manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Sales person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AAutomotive supplies:Store or franchise: Sales duties only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AGarage/servicestation: Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Mechanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Auto-body repairman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Parking attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Washer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

bActerioloGist(seeSCIENTIST)

bAGGAGe hAndler (seeAIRLINEINDUSTRY)

bAilbonds person Office duties only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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bAKery Owner, office only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Counter worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Baker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Other shop worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Delivery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

bAnKinG Examiner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Officer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Teller . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Bookkeeper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Guard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Mortgage Underwriter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

bArber and beAuty pArlor Barber . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Beautician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Hairdresser . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Cosmetologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Electrologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Manicurist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

bArtender(seeRESTAURANT/BAR)

beAuty pArlor(seeBARBERandBEAUTYPARLOR)

biocheMist (seeSCIENTIST)

bioloGist (seeSCIENTIST)

blAcKsMith . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

bond broKer(seeBROKER)

booKinG AGent(seeENTERTAINMENT)

botAnist (seeSCIENTIST)

bowlinG Alley Owner(officeandsupervisoryduties) . . . . . . . . . . . . . . . . . . . . . . . . .3A Manager(officeandsupervisoryduties) . . . . . . . . . . . . . . . . . . . . . . .3A Attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

brewery(seeLIQUOR)


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broKer Stock/bond/commoditybrokerortrader,investmentormortgagebroker. Notfloortrader,min.$150,000incomefor3yrs., min. 5 yrs. in the business, not managing own account, . . . . . . . . . . .4A Notfloortrader,min.$75,000incomefor2yrs., min. 3 yrs. in the business, not managing own account . . . . . . . . . . .3A All others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Floor Traders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

buildinG MAintenAnce Supervisor, Superintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Stationary engineer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Doorman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Housekeeper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Janitor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Custodian . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Watchman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Elevator repair . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Window cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

buildinG wrecKinG Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

bulldoZer operAtor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

bus driVer (seeDRIVER)

business AGent (seeATHLETICSorENTERTAINMENT)

business eXecutiVe (seespecificindustry)

butcher Officeonly(notraveling): Wholesale merchant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Dealer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Butcherinstore . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Slaughtering or slaughter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

buyer Merchandising(officeduties,noproduce) . . . . . . . . . . . . . . . . . . . . . .4A Produce . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A


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cAMerAMAn (seeENTERTAINMENTINDUSTRY)

cArdioloGist (seeMEDICALSERVICES)

cArpenter or cAbinetMAKer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

cArpet and ruG Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Dyer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Mender . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Weaver . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

cArtoGrApher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

cArtoonist(seeARTIST)

cAshier(seespecificindustry) Gasstation,convenience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A

cAsino Manager(nofloorduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

cAterer Chef . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Cook . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Busboy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Dishwasher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Waiter/waitress . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

ceMeteries Caretaker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Clerk, office duties only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Superintendent(nomanuallabor) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A

chAuffeur(seeDRIVER)

chef(seeRESTAURANT/BARorCATERER)


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cheMicAl industryNoalkalies,acids,explosives,orcarcinogens: Chemist(officeonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Other chemist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Labtechnician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3A Machine operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Tester . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . AAlkali, acids, explosive or carcinogens: Chemist(officeonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Labtechnician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A Laborer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Machine operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other chemist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Tester . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A Unskilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

chiMney sweep . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

chiroprActor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

clAiMs AdJuster(seeINSURANCE)

cleAners(seeDRYCLEANING,LAUNDRY,DYEING)

clerGy Ministers, Rabbis and Cantors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

clocK or wAtch repAir . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

coAch(seeATHLETICS)

coMMerciAl Artist (seeARTIST)

coMptroller . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A

coMputer industry Administrators . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Capacity Management Specialists . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Consultant(full-time,office) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Consultant(others) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Data entry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A DP manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

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coMputer industry (continued): Installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Programmer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Repairman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Retail Sales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Security Specialist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Systems Analyst . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Technical Analyst . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Technical Writer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A WebDeveloper/Engineer/Architect/Designer . . . . . . . . . . . . . . . . . .5A* Wholesale sales: (min.5yrs.experience,$75,000last2yrs.,nodelivery,nolifting) . . . 4A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A* Classification is contingent upon holding a degree in computer science or

demonstrating a minimum of 5 years’ experience.

construction industryOfficeandsupervisingonly–nomanuallabor: Contractor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Estimator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Superintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2AConstruction–manuallabor: Cabinetmaker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Carpenter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Contractor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Drywall . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Electrician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Glazier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Heatingandair-conditioning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Insulation installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Marble, mosaic or tile setter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Painter(interior) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Paper hanger . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Pipe fitter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Plaster or stucco worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Plasterer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

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construction industryConstruction–manuallabor(continued): Plumber . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Sheet metal worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Sprinkler installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Steam fitter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Surveyor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Tinsmith . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Air hammer operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Blasterorexplosiveshandler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Bricklayer/mason/stone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Cable or structural-site . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Cement or concrete work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Construction-equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Elevator installation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Ironworker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Painter(exterior) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Roofer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Sander . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Spray painter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Steeplejack . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Varnisher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Welder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

consultAntComputerConsultant(seeCOMPUTERINDUSTRY)FinancialConsultant(seeBROKERorINSURANCE)Other(notoncommission,notworkinginhome*, min. 5 yrs. experience, $50,000 for last 2 yrs.) . . . . . . . . . . . . . . . . . . .4A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Management Consultant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A* Refer to Working From Home Guidelines on page 2-7

cooK (seeCATERERorRESTAURANT/BAR)

copywriter(seePRINTINGandPUBLISHING)

corporAte eXecutiVe (seespecificindustry)

counselor(seeTherapistunderMEDICALSERVICES)

court reporter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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credit inVestiGAtor Office only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

curAtor Museum or art gallery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

custoMer serVice rep With college degree . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

custodiAn (seeBUILDINGMAINTENANCE)

dAiry industry Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(officeandgeneralduties) . . . . . . . . . . . . . . . . . . . . . . . . . .3A Skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Superintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Tester . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

dAnce instructor(seeATHLETICS)

dAy cAre operAtor In home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Notinhome,notonproperty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

deAn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A

decorAtorInterior: Consulting only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Window . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A Cake(seeCATERER)

deliVery person(seeDRIVER)

dentAl lAb techniciAn(seeDENTISTRY)

dentistry Dental Assistant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Dentist, general . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P DentalHygienist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Endodontist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P LabTechnician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Oral & Maxillofacial Surgeons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P

continuedfor producer use only. not for use with the public.

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dentistry(continued): Orthodontist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Pediatric Dentist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Periodontist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Prosthodontist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P

derMAtoloGist(seeMEDICALSERVICES)

detectiVe. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

diAMond cutter(seeJEWELER)

dietitiAn (seeMEDICALSERVICES)

dispAtcher(seespecificindustry)

docK worKer(seeMARINEINDUSTRY)

doMestic serVAnt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A

drAftsMAn(seeARCHITECT)

dressMAKer(seeTAILORING)

driVer Ambulance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Bus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Chauffeur(corporateemployee) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A ConstructionVehicles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Explosives, test driver . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Funeral hearse . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Gasoroildelivery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Heavy-dutytrucking(morethan3tons) . . . . . . . . . . . . . . . . . . . . . . .N/A Lightdeliverytruck . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Longhaul(interstateornotself-employedtaxi) . . . . . . . . . . . . . . . . .N/A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Racer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Test driver . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Tractor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

druG store Clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Pharmacist(registered,noretailsales) . . . . . . . . . . . . . . . . . . . . . . . . .3A


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dry cleAninG, lAundry, dyeinG Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Counter Duty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Manager(officeorsupervisory) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Owner(officeorsupervisory) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A Supervisor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Unskilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

econoMist MastersorPhD(atleast90%officeduties) . . . . . . . . . . . . . . . . . . . . .5A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Aeditor (seePRINTINGandPUBLISHING)

electricAl industry and cAble tV Electrician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Electroplater . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Meter installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Meter reader . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Repairman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Cable splicer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Conduit worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Contractor(fieldorplant) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Lineman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Maintenance worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Switchboard attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Welder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

eleVAtor Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Builder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Repairman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

eMbAlMers(seeFUNERALDIRECTORS)


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enGineer Registeredprofessional(RPE,officedutiesonly) . . . . . . . . . . . . . . . .5A Engineer(officeandconsultingonly) . . . . . . . . . . . . . . . . . . . . . . . . . .5A Inspecting or supervising in the field . . . . . . . . . . . . . . . . . . . . . . . . . .3A

entertAinMent industryMovies/television/radio/theater(notself-employed,independentorfreelance)* Cameraman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Carpenter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Director . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A DiscJockey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Electrician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Film Editor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Painter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Producer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Projectionist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Reporter(studioonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Reporter(infield) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Sound engineer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Stage Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Theater Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Writer(TVorfilm) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Actor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Actress . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Announcer† . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Bookingagent† . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Dancer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Entertainer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Production personnel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Singer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Makeup and wardrobe personnel . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Property person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Stagehand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Self-employed, independent or freelance . . . . . . . . . . . . . . . . . . . . . . IC** Benefits may be limited. Refer to Special Occupation Guidelines page 2-9† W-2 Employees only


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entoMoloGist Office only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Field . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

estiMAtor(seeCONSTRUCTION)

eXecutiVe (seespecificindustryoroccupationalunderwritinginformation)

eXercise instructor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

eXercise psycholoGist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

eXplosiVe hAndlinG . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

eXterMinAtor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

fArMer(seeAGRICULTURE)

federAl GoVernMent eMployee . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC(refertoFERSGuidelinesonpage2-5)

filM processinG Developer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Processor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

finAnciAl plAnner (musthavedesignation) 5+yrs.,$75,000last2yrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A 3+yrs.,$30,000last2yrs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

firefiGhter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

fishinG industry(Comingashoredaily)Fisherman(boatsof85feetormore): Licensedengineer(engineeringdutiesonly) . . . . . . . . . . . . . . . . . . . . . . . A Licensedmaster(runningboatonly) . . . . . . . . . . . . . . . . . . . . . . . . . . .A Licensedmate(navigatingdutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . .A All other boats . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Fisherman(boatsunder85feet) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/APacking, processing or hatchery: Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Supervisor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Superintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Unskilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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fliGht AttendAnt (seeAIRLINE)

floor finisher/sAnder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

florist or nurseryMAn Clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Delivery duties . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Fieldworker(full-time,year-round) . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Greenhouseduties . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Sales person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

fuMiGAtor(seeEXTERMINATOR)

funerAl director, MorticiAn, undertAKer Embalmer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Other(skilledworker) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Proprietor, no embalming . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

furniture MoVer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

furniture refinishinG(Notoutofhome) . . . . . . . . . . . . . . . . . . . . . .A

furrier Office . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Sales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

GArbAGe collector (seeSANITATIONandSEWAGEDISPOSAL)

GArdener, lAndscAper(full-time,year-round): Owner(nomanuallabor) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Using heavy equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

GAs stAtion/GArAGe (seeAUTOMOTIVE)

GeoloGist(seeSCIENTIST)

Golf club Clubprofessional,golfortennis(full-timeonly,year-round) . . . . . . . .A Supervision of min. 2 employees, admin. of pro shop, no instruction, no touring . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

continued


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Golf club(continued): Nomorethan15%oftimeinstructing,supervise2employees, admin. of pro-shop, no touring . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Greenskeeper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A Groundskeeper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Instructor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

GoVernMent eMployee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC(refertoGuidelinesonpage2-5)

GrAphic Artist(seeARTIST)

Grocery store, superMArKet Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Manager(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Proprietor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Proprietor(officeduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Stock Clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

GuArd . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

GuidAnce counselor College . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A HighSchool . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

GunsMith . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

hAirdresser(seeBARBERandBEAUTYPARLOR)

heAlth club MAnAGer Office duties only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

hedGe fund MAnAGer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC

hospitAl(seeMEDICALSERVICES)


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hotel, Motel, innAAA recommended, office only, 25 or more employees: Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Maintenance(skilledworker) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Manager(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Other managers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Other proprietors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Bellboy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Bartender . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Chambermaid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Elevator operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Housedetective . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Porter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A Waiter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

huMAn resource MAnAGer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

illustrAtor(seeARTIST)

iMporter(nomanualduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

incinerAtion plAnt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

independent contrActors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC** Benefits may be limited. Refer to Special Occupation Guidelines page 2-10.

inspector Building . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Elevator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Food . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Manufacturing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Real estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Livestock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Lumber . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Railroad . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Trucks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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insurAnce industry Agent(lessthan5yrs.experience) . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Agent(5ormoreyrs.experience) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Broker(5ormoreyrs.experience,$35,000first-yearcommission) . .3A Broker(other) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A ClaimsExaminerandUnderwriter(HomeOfficeonly) . . . . . . . . . . . .4A Clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Generalagent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Officemanager(Over$50,000and5yearsexperience) . . . . . . . . . . .4A Officemanager(Over$30,000and3yearsexperience) . . . . . . . . . . .3A Officemanager(other) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

interior decorAtor(seeDECORATOR)

interpreter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

inVestMent broKer(seeBROKER)

JAnitor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Jeweler Cutting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Merchant(seealsoRETAILSALES) . . . . . . . . . . . . . . . . . . . . . . . . . .3A Polishing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Repairing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Setting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

JocKey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

JournAlist(seeWRITER)

JunK deAler Proprietor(officeduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(supervisingonly,nomanuallabor) . . . . . . . . . . . . . . . . . . .A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Kennel Proprietor(officeduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Groom . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Trainer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Key MAKer(seeLOCKSMITH)

lAbor unions Businessagent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A


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lAbor unions (continued): Union official, office duties only . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Organizer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

lAborAtory techniciAn(seeMEDICALSERVICES)

lAborer(nototherwiseclassified) Skilled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Unskilled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

lAndscApe Architect(seeARCHITECT)

lAndscAper(seeGARDENER)

lAwyer(seeLEGAL)

lAundry(seeDRYCLEANING,LAUNDRY,DYEING)

leAsinG coMpAnies Executive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Supervision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

lecturers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC

leGAl Attorney . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Court Reporter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A LegalAssistant Certified . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A LegalSecretary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A LegalTranscriber(notathome) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Paralegal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A TitleAbstractor/Searcher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

lens Grinder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Polisher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Cutter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

librAriAn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

liQuor industry (alsoseeRESTAURANT/BAR)Brewery,distillery,winery: Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

continuedfor producer use only. not for use with the public.

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liQuor industry (continued):Liquorstoresales(noneconsumedonpremises): Manager(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Manager(supervisorydutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Proprietor(supervisorydutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Sales person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Shipping clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

literAry AGent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

lithoGrApher(seePRINTING)

liVestocK Broker(nothandlingstock) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Buyer(nothandlingstock) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Farmerorrancher(seeAGRICULTURE) Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Stockyard worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Weigher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

lobbyist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

locKsMith . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

luMber industry Logging(notinforest,officedutiesonly): Proprietor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC Clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC Contractor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC Grader . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Logger . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Lumberworker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Mill foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A Other mill worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Sawyer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Skilled machine operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Timber cruiser . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Forester(teachingonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC

MAGAZines(seePRINTINGandPUBLISHING)

MAnAGeMent consultAnt (seeCONSULTANT)


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MAnicurist(seeBARBERandBEAUTYPARLOR)

MAnufActurinG (seealsoCHEMICALINDUSTRY) Assembler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Benchworker(notusingmachines) . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Designer(officeandconsultingonly) . . . . . . . . . . . . . . . . . . . . . . . . . .3A Diemaker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Draftsman(officeandconsultingonly) . . . . . . . . . . . . . . . . . . . . . . . .3A Electrician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Foreman(working). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Labtechnician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Machine operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Machinist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Mechanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Millwright . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Other skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Pattern maker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Receiving clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Shipping clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Superintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Tester . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Toolmaker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Craneman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Fireman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Grinder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Kiln operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other unskilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Warehouse worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Welder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Yardman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

MAnufActurer’s representAtiVe (seespecificindustryorSALESPERSON)


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MArine industry (alsoseespecificindustry) Harbormaster . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Harborpilot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .AMarina: Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Unskilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Dock worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Longshoreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Passenger liner, freighter, tanker . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

MArKet reseArch AnAlyst . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

MAssAGe therApist(seeMEDICALSERVICES)

MAsseur (healthclubonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

MedicAl serVices Chiropractor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Homeopath . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3AHospital: Administrator/executive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Allothers(otheradministrators) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Cook . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Dietitians(nocooking) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Managers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Nutritionist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Otherofficeworkers(seeOFFICEWORKER)All other nonprofessional employees: Housekeeping . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Kitchen . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Laundryworkers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Maintenance personnel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A EMT(EmergencyMedicalTechnician) . . . . . . . . . . . . . . . . . . . . . . .N/A Medical Assistant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

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MedicAl serVices (continued):Midwife: Registerednurses(withadvancedmidwiferyspecialization workinginahospital/clinic/doctor’sofficesettingonly) . . . . . . . . .3A Other registered nurses practicing midwifery in hospital/clinic/doctor’sofficeonly . . . . . . . . . . . . . . . . . . . . . . . . . .2A Others,orinruralareasmaking“housecalls”asvisitingnurses . . . .N/A Naprapath . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Naturopath/homeopath . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2ANurses(notpsychiatric): LicensedPracticalNurses(LPN)inhospital(notpsychiatric),clinic, (includingnursinghomeonly),doctor’soffice . . . . . . . . . . . . . . . . . .2A Nursesaides . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Nurseanesthetist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Nursepractitioner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Nursingsupervisor(admin.dutiesonly) . . . . . . . . . . . . . . . . . . . . . . . .2A Privatedutynurse(outsidehospital) . . . . . . . . . . . . . . . . . . . . . . . . . .N/A RegisteredNurses(RN)inhospital(notpsychiatric),clinic, (includingnursinghomesonly),doctor’soffice . . . . . . . . . . . . . . . . . .2A Visitingnurses(alllevels) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Nursesinpsychiatrichospitals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Nursesinrestrictedpsychiatricwardsinhospitals . . . . . . . . . . . . . .N/AOrderly . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/AOrthotist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3AOptometrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P**Ophthalmologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3POptician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3AParamedical examiners: In paramed facility or clinic exclusively . . . . . . . . . . . . . . . . . . . . . . . .2A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/APerfusionist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3APeriodontist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4PProsthetist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3APhysicians/MedicalSpecialist:* Acupuncturist, MD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Allergist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P**

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MedicAl serVices (continued):Physicians/MedicalSpecialist(continued):* Anesthesiologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Cardiologist,invasive/interventional . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Cardiologist, non-invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Cardiovascular Surgeon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Dermatologist, invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Dermatologist, non-invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Embryologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Emergency Room . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Endocrinologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Endodontist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P ENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Family Practice Physician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Gastroenterologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P GeneralSurgeon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Geneticist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Geriatrician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Gynecologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Hematologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Hospitalist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Immunologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Infertility Specialist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Internal Medicine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** MedicalResident***. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P MedicalStudent*** . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Neonatologist,invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Neonatologist,non-invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Nephrologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** NeurologicalSurgery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Neurologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Obstetrician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Obstetrician/Gynecologist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Occupational Medicine Specialist . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Oncologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Oncologist, surgical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P

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MedicAl serVices (continued): Opthamologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Optometrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Oral & Maxillofacial Surgeons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Orthodontist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Orthopedic Surgeon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Osteopath, invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Osteopath, non-invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Pain Management Specialist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Pathologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Pediatric Dentist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Pediatrician . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Physiatrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Periodontists . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Podiatrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Prosthodontists . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Psychiatrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Psychologist(Ph.D.) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Pulmonologists . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Radiologist, invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P Radiologist, non-invasive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Rheumatologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P** Thoracic Surgeon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Toxicologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3P Urologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4P

* Best occ class for Invasive Physicians not noted will be 3P ** Availability varies by state. Please refer to the Disability Product Approval Grid on

FieldNet (DI7137). If 5P not available, use 4P *** If specialty chosen, then use appropriate occ class

Physician’s Assistant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3ATechnicians:(inhospital,clinicordoctor’sofficeonly) Dialysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A ECG . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Laboratory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Ultrasound . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

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MedicAl serVices (continued):X-ray . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3ATherapists(inhospital,clinicordoctor’soffice): Audiologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Exercise physiologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Massage: Certified . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Licensed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Occupational . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Physical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Psychiatrist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P* Psychologist(Ph.D.) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5P* Psychotherapist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Radiation therapist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Respiratory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Speechtherapist/pathologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/AMeetinG plAnner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

MerchAnt(seeRETAILSALES)

MetAllurGist(seeSCIENTIST)

MilitAry personnel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

MininG (officedutiesonly) Chemist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Miningengineer(surfaceworkonly,20%oftime) . . . . . . . . . . . . . . .3A Chemist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Mining engineer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Owner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

Minister, rAbbi and cAntor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

Model . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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* Availability varies by state. Please refer to the Disability Product Approval Grid on FieldNet (DI7137). If unavailable use 4P.

MonuMent industry Dealer(officeonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Otherdealer(supervisoryonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Otherproprietor(supervisoryonly) . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Delivery person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Engraver . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

MortGAGe broKer(seeBROKER)

Motel(seeHOTEL,MOTEL,INNS)

Motion picture and theAter (seeENTERTAINMENTINDUSTRY)

MoVinG and storAGe Dispatcher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Estimator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Manager(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A SalesPerson(nothandlingfreight) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Checker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Driver . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A FreightHandler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Watchman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

MusiciAn Concert(workingfull-time) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Musicteacher(classroomonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Othermusicteacher(notinhome) . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Symphony(workingfull-time) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

nAturAl GAs industry (seeOILandNATURALGAS)

newspAper industry (seealsoPRINTINGandPUBLISHING) Correspondent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Photographer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Reporter(infield) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Deliverer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

nurses(seeMEDICALSERVICES)

nurseryMAn(seeFLORISTorGARDENER)

occupAtionAl therApist (seeMEDICALSERVICES)


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office worKer Administrator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Administrative Assistant: Over $50,000 and 5 years experience . . . . . . . . . . . . . . . . . . . . . . . . .4A Over $30,000 and 3 yrs. experience . . . . . . . . . . . . . . . . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Office clerk: Min. 3 yrs. of exp., income >$30,000 . . . . . . . . . . . . . . . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Office manager Over $50,000 and 5 years experience . . . . . . . . . . . . . . . . . . . . . . . . .4A Over $30,000 and 3 yrs. experience . . . . . . . . . . . . . . . . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Secretary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Stenographer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Stenotyper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Typist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

office eQuipMent Repairing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Sales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Delivery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

oil And nAturAl GAsOn shore drilling and certain platform occupations: Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Manager(nomanualduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Off-shore worker, Stationary Engineer . . . . . . . . . . . . . . . . . . . . . . . . . .A Superintendent(nomanualduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Blacksmith . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Crane Operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Driller . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Firefighter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Off-shore worker, Pumpman. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Pipeline: Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Pumper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

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oil And nAturAl GAs (continued): Repairman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Trench machine operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Welder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Refinery(seealsoMANUFACTURING) . . . . . . . . . . . . . . . . . . . .N/A

opticiAn Grindingandshopwork . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Selling and fitting only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

optoMetrist(seeMEDICALSERVICES)

orthotist(seeMEDICALSERVICES)

pAcKinG and slAuGhterhouse All occupations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

pAinter Interior . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Sign(inshop) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Bridge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Exterior(houseorsign) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Spire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Structural steel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

pAperhAnGer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

pArAleGAl(seeLEGAL)

pArKinG AttendAnt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

pAstry chef(seeRESTAURANT/BAR)

pAwnbroKer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

pAyroll clerK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

periodontist(seeDENTISTRY)

personnel AGency Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Proprietor(owner) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Recruiter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Other(seeOFFICEWORKER)

phArMAcist Clinical Pharmacist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A HospitalPharmacyDoctor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Registered/Retail . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3A


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photoGrApher Commercial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Motion picture . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Newspaper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Studio(portraitonly,notinhome) . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Aerial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Underwater . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

physicAl therApist(seeMEDICALSERVICES)

physicist(seeSCIENTIST)

piAno Repairer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Tuner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

pilot (CommercialAircraft) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

podiAtrist(seeMEDICALSERVICES)

police officer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

portfolio MAnAGer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

postAl eMployees Inspector(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A LetterCarriers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A PostmasterGeneral . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

printinG and publishinG(seealsoNEWSPAPER) Bookbinder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Compositor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Copywriter(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Correspondent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Editor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Electrotyper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Engraver . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Executive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A LinotypeOperator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Lithographer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Lithographicartist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Machine operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Mechanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

continued


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printinG and publishinG(seealsoNEWSPAPER) (continued): Other skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Photographer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Pressman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Proofreader . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Publisher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Reporter(infield) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Typesetter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

professor (College/University) Masters level instructor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A Ph.D.(notgovernmentormunicipal employee, classroom duties only) . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A

public relAtions AGent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

prosthetist(seeMEDICALSERVICES)

purchAsinG AGent (Officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . .3A

pyrotechnist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

QuArry worKers Compressor engineers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Skilled workers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Explosive handlers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

rAdio(seeENTERTAINMENTINDUSTRY)

rAilroAd or subwAy(seeTRANSPORTATION)

reAl estAte Appraiser . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A BuildingSuperintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Commercial sales only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Owner(min.$75,000for3years) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Owner(lessthan$75,000) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Residential sales: Minimum 3 yrs. in business, $50,000 income for 2 yrs. . . . . . . . . . . .3A Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

reAl estAte deVelopers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC** Benefits if available will be limited. Refer to Special Occupation Guidelines page 2-11.


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recruiter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

repAirMAn (seespecificindustry) Nototherwiseclassified . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

reporter(seealsoNEWSPAPERINDUSTRY) Court . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Newspaper(infield) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

respirAtory therApist (seeMEDICALSERVICES)

restAurAnt/bAr (seealsoCATERER)AAA recommended establishment: Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Chef . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Cook . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Hostess . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Bartender . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Busboy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Checkroom attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Dishwasher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Waiter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Waitress . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Nightclubs(alloccupations) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/AOtherestablishments(diner,drive-in,fast-food): Manager(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Bartender . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Busboy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Cashier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Chef . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Cook . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A Counterman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Dishwasher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other employee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Waiter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Waitress . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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retAil sAles(seealsospecificindustry) Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Proprietor(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Receiving clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Salesclerk(nodelivering) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Shippingclerk(lightitems) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Stockclerk(heavyitems) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Canvassing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Conveniencestores(alloccupations) . . . . . . . . . . . . . . . . . . . . . . . . .N/A Delivering . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Repairing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

ruG cleAner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

sAles person(seespecificindustryifnototherwiseclassified) Industrial products . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A In-homesales(cosmetics,dinnerware) . . . . . . . . . . . . . . . . . . . . . . .N/A Inside sales clerk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Manufacturer’s representative (solicitingorders,nodelivery,dealingwithbusinessonly, minimum $75,000 net income in each of last 2 yrs.) . . . . . . . . . . . . .4A Manufacturer’srepresentative(other) . . . . . . . . . . . . . . . . . . . . . . . . . .3A Pharmaceutical sales representative . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Routesalesperson(deliverybytruckorvan) . . . . . . . . . . . . . . . . . . .N/A Salesmanager(salaried,executiveduties,incidentaltravelonly, 3 yrs. experience, $50,000 income) . . . . . . . . . . . . . . . . . . . . . . . . . . .4A Salesmanager(other) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Salesperson(nocanvassing,deliveringorrepairing) . . . . . . . . . . . . .3A Salesperson(door-to-doordeliveryorrepairing) . . . . . . . . . . . . . . . .N/A

sAnitAtion and sewAGe disposAl Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Collector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Equipment operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Governmentemployee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Maintenance worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Mechanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Trucker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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scientist (alsoseespecificindustry)Office or laboratory only: Archeologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Bacteriologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Biochemist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Biologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Botanist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Chemist(seeCHEMICALINDUSTRY) Geologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Office and consulting only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A On-shore field work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Off-shore field work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Metallurgist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Meteorologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Physicist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Scientist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A Zoologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5A

seAMstress(seeTAILOR)

secretAry(seeOFFICEWORKER)

serVAnt or doMestic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

serVice stAtion(seeAUTOMOBILE)

shipbuildinG(seeMANUFACTURING)

shoe repAir . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

siGn and billboArd industry Designer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Draftsman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Other skilled production . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Painter(inshoponly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Erector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Maintenance worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Outside painter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

sKAtinG rinK All occupations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

slAuGhterhouse(seePACKINGandSLAUGHTERHOUSE)


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sociAl serVice worKer(notgovernmentemployee) LCSW . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(Officeonly)4A MSW . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(Officeonly)4A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

speAKers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC

speech therApist (seeMEDICALSERVICES)

sports(seeATHLETICS)

stAble All occupations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

stAtisticiAn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A

stenoGrApher, stenotyper(seeOFFICEWORKER)

stocK broKer(seeBROKER)

stewArdess(seeAIRLINE)

student . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A(seealsoStartingProfessionalLimitspage1-4)

surVeyor Field work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Supervisory only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

tAilorinG Dressmaker(notinhomeorfactory) . . . . . . . . . . . . . . . . . . . . . . . . . .2A Seamstress . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Tailor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

tAXicAb driVer(seeDRIVER)

tAXiderMist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

teAchers(seealsoPROFESSOR)(seepage2-6 for the PERS guidelines) Principal/SuperintendentofSchools . . . . . . . . . . . . . . . . . . . . . . . . . . .4ANotgovernmentormunicipalemployee,full-timeinclassroom: Academic(min.5yrs.experienceand/orMaster’sdegree) . . . . . . . . .4A Academic(min.$25,000incomeforpast2yrs.)Otherwise2A. . . . . .3A Homeeconomics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3A Physical education . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Shop . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A

continued


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teAchers(seealsoPROFESSOR)(continued): Aide . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Dance instructor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Fitness facility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Judo . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Karate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Martial arts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Music(seeMUSICIAN)

telephone industry Executive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Installer(inside) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Manager(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Supervisor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Switchboard maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2A Switchboard operator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Cable splicer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Lineman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Meter installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Outside foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

teleVision and rAdio broAdcAstinG(seealsoENTERTAINMENTINDUSTRY) Repairman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Sales and service: Dealer,proprietor(norepairing) . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Antenna erector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

tennis club(seeATHLETICSorGOLFCLUB)

teXtile industry(seeMANUFACTURING)

theAter(seeENTERTAINMENT)

therApist(seeMEDICALSERVICES)

toolMAKer, dieMAKer(seeMANUFACTURING)

topoGrApher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

trAiner(seespecificindustry)


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trAininG And deVelopMent speciAlistMin. 5 yrs. of experience, income >$50,000 . . . . . . . . . . . . . . . . . . . . . .4AOther . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A

trAnsportAtion industry (BUSorRAIL)(Notgovernmentemployee) Dispatcher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Executive . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Manager(officeonly). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Telegrapher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Ticket agent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Baggagehandler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Baggageagent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Brakeman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Conductor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Engineer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Fireman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Freight agent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A GuardInspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Maintenance worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Mechanic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Serviceman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Signalman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Watchman in tow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Yardworker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

trAVel Agent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A TourDirector(notseasonal) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

tree serVices Tree Sprayer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A Tree Surgeon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Trimmer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

trucK driVer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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ultrAsound techniciAn (seeMEDICALSERVICES)

undertAKer (seeFUNERALDIRECTOR)

union officiAl (seeLABORUNION)

upholsterer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A

VendinG MAchines All occupations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A

Venture cApitAlist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IC

VeterinAriAn LargeAnimals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Small Animals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4A

wAiter or wAitress (seeRESTAURANT/BAR)

wArehouse Manager(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Proprietor(officedutiesonly) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Manager(generalduties) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Proprietor(generalduties). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other workers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Watchman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

wAtchMAn(seeGUARD)

wAter processinG Filterman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Foreman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Inspector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Meter installer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Other skilled worker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Outside superintendent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Pumpman . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .A Tester . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Well driller . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A

window cleAner. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N/A


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writer Onstaffofnewspaper,magazine(insideonly,min.$45,000income) . . 3A All others on staff . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Reporter(infield) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2A Technical writer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3A Freelance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A TVorFilm(seeENTERTAINMENTINDUSTRY)

X-rAy(seeMEDICALSERVICES)

ZooloGist(seeSCIENTIST)

Zoo Attendant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Feeder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A Zookeeper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/A


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section 3

financial underwriting 3-1 | Financial Underwriting 3-3 | Net Worth 3-3 | New Business, Insuring 3-3 | Depreciation Expense 3-4 | Business Owner Benefit Increase Program 3-5 | Federal Income Tax Guidelines 3-6 | State Cash Sickness Benefits 3-8 | Qualified Sick Pay Plans 3-9 | Financial Requirements 3-11 | Business Owners – How to Calculate Earned Income 3-12 | Tax Consequences – DI 3-14 | Tax Consequences – BOE 3-15 | Tax Consequences – Buy-Sell 3-17 | MassMutual Issue and Participation Limits 3-25 | Non-Taxable Issue Limit Chart No-Group LTD 3-30 | Taxable Issue Limit Chart No-Group LTD 3-34 | Non-Taxable Issue and Participation Limit Chart with Group LTD Only – Radius 3-36 | Non-Taxable Issue and Participation Limit Chart with Group LTD Only – MaxElect 3-38 | Taxable Issue and Participation Limit Chart with Group LTD Only – Radius and MaxElect 3-40 | Examples of Group LTD with Individual Coverage Plan Formulas 3-42 | BOE Issue and Participation Limits 3-43 | Buy-Sell Issue and Participation Limits


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financial underwriting Disability Income Coverage is offered to clients based on a percent of their current earned income. Ideally, total in-force coverage is large enough to provide income for necessities during a disability, but small enough to retain the motivation to return to work and accustomed income. That percent is ordinarilybetween60%and80%andvariesbasedonwhetherthebenefitswillbetaxableornon-taxableandwhetherGroupLTDcoverageisin-force.Coverage is offered at this replacement ratio percent so that the insured has incentive to return to work. For this reason, financial underwriting is extremely important.

Clients who currently have coverage that exceeds our Issue and Participa-tionLimits(page3-17)basedonincome(i.e.,donotfinanciallyqualifyfor additional coverage) are not eligible to apply for additional coverage or products. For more information and examples, see page 1-9.

total earned incomeFor MassMutual underwriting purposes total earned income is defined as income after business expenses and as reported for federal tax purposes. Included are wages, salary, commissions, regular bonuses, and the applicant’s share of profits or losses in any entity in which the applicant has an ownership share, including any corporation. For business owners MassMutual will also include employer contributions made to a retirement plan on the owner’s behalf that were deducted as a business expense.

unearned income and net worthBecausedisabilityincomeinsuranceisaneed-basedproduct,coveragemaybereducedforsizeableunearnedincomeand/ornetworth.Unearnedincomelessthan15%ofearnedincomeperyearand/ornetworthlessthan$10,000,000 will usually be ignored. Applicants with substantial amounts of unearnedincomeand/ornetworthmaybedeclinedforcoverage.

unearned income offset• Wewilldisregard unearned income only if it is equal to or less

than15%oftotalearnedincome.Unearnedincomemayincludeinterest,tax-exemptinterest,dividends,capitalgains/losses,rentalincome, and passive partnership and S-Corporation interests


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continued

• Ifanamountofunearnedincomein excess of 15% of earned income exists, it will be halved and then divided by 12 to determinethereductionintotalmonthlycoverage(SubtractfromI &PLimit)

• Militarypensionsandotherpensionscurrentlybeingdistributedwill be used to offset coverage on a dollar for dollar basis. If non-taxable coverage is being applied for, the taxable monthly pension distributions can be converted to a non-taxable benefit by multiplyingby.75(SubtractfromI&PLimit)

• AlimonyOffset–Short-termalimonyagreements1-3yearswillbeignored.Long-termagreementsrequirethatweoffsetdollarfor dollar. If non-taxable coverage is being applied for, the taxable monthly alimony payments can be converted to a non-taxable benefitbymultiplyingby.75(SubtractfromI&PLimit)

• Childsupportpaymentsarenottreatedasearnedincomeorunearned income. There will be no offset to the Issue and Participation limits

example

A potential insured has the following:• Earnedincome–$250,000(W-2)

• Unearnedincome–$60,000(Comprisedoftax-exemptinterest,dividends, rental income)

what dollar amount of unearned income should be ignored? $37,500shouldbeignored($250,000x.15=$37,500);weignore

15%ofearnedincome

how should the excess amount (of unearned income) be treated? Theexcessof$22,500($60,000–$37,500)shouldbedividedby

2, then 12 to determine the monthly offset amount to coverage


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net worthNetworthlessthan$10,000,000willusuallybeignored.Individualconsid-eration will be given to those whose net worth is $10,000,000 or more. A statementofnetworth(di1961n) to be completed by your client maybe requestedattheunderwriter’sdiscretion.TheformisavailableonFieldNetorby contacting your underwriter.

financial documentationFinancial documentation is required for all cases. See charts on pages 3-9 and 3-10 for financial documentation required based on coverage, in-force and applied for. NotethatCalifornia,FloridaandPuertoRicohavedifferent requirements.

determining income for business ownersThe chart on page 3-11 describes the tax forms required for business owners as well as how and where to find earned income used to underwrite disability income coverage.

new businessesNewbusinessesmaytakeseveralforms.Themostcommonare:

• Existingbusinessbeingpurchased

• Individualstartinghis/herownbusiness

types of documentation to request:

• Priorincomeearned(insame/similaroccupation)

• Taxreturnsofpriorbusinessowner

• Currentdocumentationofreceiptsandexpenses

– Accountant-preparedprofitandlossstatement(P&L)

– Receipts:contracts

– Expenses:ifaP&Lisnotavailable,wemayconsideronly50to75%ofreceipts

When considering new businesseswhereonlyaP&Lisavailable,submit to your underwriter so that a financial offer can be developed prior to taking an application. In some instances, we may require six to twelve months of documented earnings prior to making an offer.

depreciation expenseWe will not add back depreciation expense in consideration of total earned incomeforpurposesofourIssueandParticipationLimits.


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While it is understood that depreciation expense is not an actual cash expense, also consider that the income statement is not a statement of cash flows. For example, the principal portion of loan payments on depreciable assets will not flow to the income statement but does represent an outflow of cash.

Our contract language also supports this treatment, as depreciation expense is an IRS deductible expense.

rental expense as income? (this addresses situations where a business owner pays rent to him/herself)Rent expense is a true expense and must be treated as such. Accordingly, ifanapplicantisapplyingforDIandwouldlikeusto“addback”rentasearnedincome,whichhe/shehaspaidtohim/herself,wecannot.Instead,werecommendofferingaBOEpolicytoinsuretherentexpense.

Alsonotethatwewillexcludethe“netrentalincome”fromunearnedincomeforpurposesofour15%rule(seepage3-1).

business owner benefit increase programWe recognize that earned income may not accurately reflect the amount of incomeabusinessownerneedstoprotect.Ifanapplicantisatleasta20%activeworkingowner,wecanoffertheBusinessOwnerBenefitIncreaseProgram. This program provides an additional monthly benefit increase of up to $2,500. The additional monthly benefit amount is determined by increasingthebusinessowner’searnedincomeby20%.*

example

business owner earns $85,000:• $85,000x20%=$17,000

• $85,000+$17,000=$102,000

Insurable income used to determine monthly benefit amount is $102,000.

* Not to exceed maximum published limits; not available to medical/dental markets


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Federal Income Tax GuidelinesDisability income insurance premiums and benefits are subject to varying tax laws depending upon policy ownership, who pays the premium, and who receives the benefit payments. These guidelines are for producer information only.

individuals and disability insuranceMany disability income policies are set up with the insured as the owner, premium payer, and recipient of benefits. Under these circumstances, premiums are not deductible, and benefits are received tax-free.

businesses and disability insuranceBusinessesmayalsopurchasedisabilitypoliciesfortheiremployeesorendorse the sale of disability policies, which are paid for by the employees. Within a business, disability insurance should be offered within a qualified sickpayplan(seebelow).

Under a traditional employer-pay-all plan, benefits are taxable to the insured. To offset this taxation, higher issue limits are available. Under a “bonusplan,”oftenreferredtoasa“section162bonusplan,”premiumsareincluded in the taxable income of the insured on an annual basis and benefits are received tax-free.

If a proposed insured has an ownership interest in a partnership, S-Corpora-tionorLimitedLiabilityPartnershipandparticipatesinaplanprovidedby that business, deducted premium payments must be included in each partner’sorshareholder’sincome.Accordingly,benefitsaretax-free.Notethat sole proprietors cannot deduct disability insurance premiums; therefore, any benefits they receive will be tax-free.

SmallbusinessownersmaypurchaseBusinessOverheadInsurance(BOE)to reimburse them for overhead expenses while disabled. Also, small businesseswithatleasttwoactiveownersmayuseMassMutual’sBuy-SellproducttofunddisabilityBuy-Sellagreements.

The federal income tax effects on all of these uses are shown in the Tax GuideTableonpages3-12 through 3-15.


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State Cash Sickness BenefitsCertain states provide residents benefits as part of a state-funded program. StateCashSicknessBenefitstatesincludeRhodeIsland,NewYork,NewJersey,Hawaii,PuertoRicoandCalifornia.Thesestatesprovideabenefittotheirresidentsforatleastsixmonths.(RhodeIslandcurrentlyprovidesbenefits for seven months and California for one year.) The existence of these benefits requires programming around any state benefits when consid-eringtheissueamountforDI.HowthisisdonedependsonwhetherthereisexistingGroupLTDandwhentheindividualDIbenefitswillbegin.

policies for residents of ri, ny, nJ, hi and puerto rico

A) Group ltd plans already offset for state benefits. A policy with the same orlongerwaitingperiodastheGroupLTDneedsnoadjustment.Whenthewaiting period on the individual coverage is shorter than the waiting period ontheGroupLTD,thefollowingadjustmentwillbemade:

• 2AandAoccupationclasseswitha60-or90-daywaitneedtooffsetfortheStateCashBenefitbyusingtheshort term rider 1

• 3A/3P,4A/4Por5A/5Poccupationclasseswitha60-daywaitneedtooffsetfortheStateCashBenefitbyusingtheshort term rider 1

b) If no Group ltd is in-force, the following adjustments should be made:

• 2AorAoccupationclassesmustpurchaseSIRwhichoffsetsforStateBenefits

• Only3A/3P,4A/4Pand5A/5Poccupationclasseswitha60-daywaitneed to use the short term rider 1offsetbytheStateCashBenefit


3-6

3 fi

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ial u

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* Since state cash sickness benefits are ordinarily taxable, we will offset for taxes when client is applying for a non-taxable benefit; our normal tax adjustment of 25% will apply

State Cash Benefit Offsets*

Hawaii $ 1,584

New Jersey $ 1,776

New York $ 680

Puerto Rico $ 452

Rhode Island $ 2,108

policies for residents of californiaCaliforniaprocedurestooffsetforStateCashSicknessBenefitsdifferfromother states because:

• CAstatebenefitispayableuptooneyear–twiceaslongasmostother states

• SIRrider(thatoffsetsforstatebenefits)isnotapprovedforusein California

A) When Group ltd is in-force:

• IfthebenefitbeginsbeforeoratthesametimeastheMassMutualpolicy, there will be no additional offset for state benefits

• IftheindividualbenefitstartsbeforetheGroupLTDbenefit,subtracttheStateCashSicknessBenefitof$1,960*fromshort term riders 1 and 2

* We will offset for taxes when the client is applying for a non-taxable benefit; therefore, $1,470 ($1,960 x .75) should be subtracted

b) When there is no Group ltd in-force:

• Foroccupationclasses2AandAwithaneliminationperiodlessthan365days,subtracttheStateCashSicknessBenefitof$1,960from the short term riders 1 and 2

• Themaximumbenefitcannotbeconsidereduntilafterthe365-dayelimination period has been met. For occupation classes 5A, 4A, 4P, 3A, and 3P with an elimination period less than 180 days, subtracttheStateCashSicknessBenefitof$1,960fromtheShort Term Rider 1


3-7

3 fi

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ial u

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ing

Qualified Sick Pay Plans AQualifiedSickPayPlanisanagreementthatsetscompanypolicybeforea disability occurs. It establishes who to pay, how much to pay, when payments begin and how long they will be paid. The plan must be instituted before an employee becomes disabled and employees must be aware of the terms of the plan. It must also be in writing and the board of directors must have a resolution adopting the plan.

Wherenoformalplanexists,the“wages”paidtoadisabledemployeemaynot qualify as a business expense, are not tax-deductible nor are the associ-ated payroll taxes.

When a formal plan is in place the employer may deduct premiums paid from company funds. These premiums are considered ordinary and necessary business expenses and are tax-deductible. Employer-paid premiums are not included in the employee’s income.

Establishingaplansolvesthetaxproblem.However,unlesstheplanisproperly funded, the employer is still at risk for paying disability benefits out ofcompanyassets.ByfundingtheplanwithaMassMutualdisabilityincomepolicy issued on each employee, that risk is transferred. MassMutual will determine eligibility for benefit payments, process the claims and provide all insured benefits. The employer enjoys a fixed premium expense that is tax-deductible.


3-8

3 fi

nanc

ial u

nder

writ

ing


3-9

3 fi

nanc

ial u

nder

writ

ing

Fina

ncia

l Req

uire

men

ts fo

r

* Bus

ines

s ow

ners

app

lying

for M

axEl

ect®

mus

t sub

mit

busin

ess t

ax re

turn

s; fo

r em

ploy

ees a

pplyi

ng fo

r am

ount

s abo

ve th

e GS

I, ad

ditio

nal f

inan

cial i

nfor

mat

ion

may

also

be

requ

ired.

Disa

bilit

y Inc

ome C

over

age –

Rad

ius®

, Max

Elec

t®* a

nd R

adiu

s Tra

nsiti

on S

elec

t

empl

oyee

, non

-ow

ner

All s

tate

s

(a) A

pplie

d fo

r and

in-fo

rce

co

vera

ge $

3,00

0 an

d un

der

No fi

nanc

ial d

ocum

enta

tion r

equi

red –

Not

avai

labl

e in P

uerto

Rico

,W-2

or

Curre

nt Pa

y stu

b with

year

to da

te fi

gure

requ

ired

(b) A

pplie

d fo

r and

in-fo

rce

co

vera

ge $

3,00

1 an

d un

der $

10,0

00W

-2 o

r cur

rent

pays

tub w

ith ye

ar to

date

figu

re

(c) A

pplie

d fo

r and

in-fo

rce

cove

rage

$10

,000

– $

14,9

99Su

bmit

the t

wo

mos

t rec

ent W

-2’s

or W

-2

& Cu

rrent

Pay s

tub w

ith ye

ar to

date

figu

re

(d) A

pplie

d fo

r and

in-fo

rce

cove

rage

$15

,000

and

ove

rSu

bmit t

he tw

o m

ost r

ecen

t For

ms 1

040,

with

all s

ched

ules

and a

ttach

men

ts in

cludi

ng W

-2’s


3-10

3 fi

nanc

ial u

nder

writ

ing

Fina

ncia

l Req

uire

men

ts fo

r (co

ntin

ued)

* B

usin

ess o

wne

rs a

pplyi

ng fo

r Max

Elec

t® m

ust s

ubm

it bu

sines

s tax

retu

rns;

for e

mpl

oyee

s app

lying

for a

mou

nts a

bove

the

GSI,

addi

tiona

l fin

ancia

l inf

orm

atio

n m

ay a

lso b

e re

quire

d. †

For L

imite

d Lia

bilit

y Com

pani

es (L

LC) –

requ

est t

ax fo

rm fi

led

by b

usin

ess.

** In

the

follo

win

g sit

uatio

ns, d

ocum

enta

tion

requ

ired

in ro

w (c

) sho

uld

be o

btai

ned:

•

appl

icant

’s un

earn

ed in

com

e ex

ceed

s 15%

of e

arne

d.

Disa

bilit

y Inc

ome C

over

age –

Rad

ius®

, Max

Elec

t®* a

nd R

adiu

s Tra

nsiti

on S

elec

t

busi

nes

s ow

ner

en

tity

†

sole

pro

prie

tor

(sch

edul

e c)

partn

er in

a p

artn

ersh

ip

(for

m 10

65)

corp

orat

ion

shar

ehol

der

(for

m 11

20)

s-co

rpor

atio

n sh

areh

olde

r (f

orm

1120

s)(a

) App

lied

for

and

in-fo

rce

cove

rage

un

der $

10,00

0**

Subm

it

the m

ost r

ecen

t:Sc

hedu

le C

K-1 o

r fo

rm 10

40, p

ages

1 &

2,

Sch E

, and

W-2

if LL

CFo

rm 11

20, p

ages

1 &

2 (in

clude

Form

1125

E for

re

turn

s 201

1 and

late

r)

Form

1120

S, pa

ges 1

& K

-1 a

nd

W-2

or

form

s 104

0, S

ch E’

s an

d W

-2’s

(b) A

pplie

d fo

r an

d in

-forc

e co

vera

ge

$10,0

00 –

14,99

9**

Subm

it th

e TW

O m

ost r

ecen

t:Sc

hedu

le C

’s an

d

form

s 104

0 pag

es

1 & 2

K-1’

s and

form

s 104

0, pa

ges 1

&

2, S

ch E’

s, an

d W

-2’s

if LL

CFo

rms 1

120,

page

s 1 &

2

(inclu

de Fo

rm 11

25E f

or

retu

rns 2

011 a

nd la

ter)

and

form

s 104

0, pa

ges 1

& 2

Form

s 112

0S, p

ages

1 &

K-1’

s an

d fo

rms 1

040,

page

s 1 &

2,

Sch E

’s an

d W

-2’s

(c) A

pplie

d fo

r an

d in

-forc

e co

vera

ge

$15,0

00 a

nd o

ver*

*

Subm

it th

e TW

O m

ost r

ecen

t:Fo

rms 1

040,

with

al

l sch

edul

es an

d at

tach

men

ts

Form

s 106

5 with

all s

ched

ules

an

d atta

chm

ents

and

form

s 10

40 w

ith al

l sch

edul

es an

d at

tach

men

ts, a

nd W

-2’s

if LL

C

Form

s 112

0 with

all

sche

dule

s and

atta

chm

ents

an

d fo

rms 1

040 w

ith al

l sc

hedu

les a

nd at

tach

men

ts

Form

s 112

0S w

ith al

l sch

edul

es

and a

ttach

men

ts a

nd fo

rms

1040

with

all s

ched

ules

and

atta

chm

ents

inclu

ding

W-2

’s


3-11

3 fi

nanc

ial u

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writ

ing

Busi

ness

Ow

ners

*Th

is ta

ble

prov

ides

bas

ic ca

lcula

tions

that

may

diff

er fr

om M

assM

utua

l’s in

terp

reta

tion

of e

arne

d in

com

e in

som

e in

stan

ces.

** Fo

r non

-CA/

FL/P

R ca

ses a

nd th

ose

with

less

than

$10

,000

/mo.

in-fo

rce

and

appl

ied

for;

case

s out

side

of th

ese

guid

elin

es sh

ould

follo

w th

e ch

art o

n pa

ge 3

-10.

How

to C

alcu

late

Earn

ed In

com

e

busi

ness

ent

ity ir

s fo

rm fi

led

wha

t con

stitu

tes

earn

ed in

com

e w

here

to

find

ear

ned

inco

me*

wha

t to

subm

it**

corp

orat

ion

1120

Sala

ry pl

us pr

ofit

plus

pe

nsio

nSh

are o

f 112

0 tax

able

inco

me (

page

1, lin

e 28)

plus

sala

ry (p

age 2

, Sc

hedu

le E)

plus

pens

ion c

ontri

butio

ns

Form

1120

, pag

es 1

& 2

(inclu

de Fo

rm 11

25E f

or

retu

rns 2

011 a

nd la

ter)

s-co

rpor

atio

n11

20S

Sala

ry pl

us pr

ofit

plus

pe

nsio

nSh

are o

f 112

0S or

dina

ry in

com

e (Sc

hedu

le K

-1, li

ne 1)

plus

sala

ry

(W-2

) plu

s pen

sion c

ontri

butio

ns

Sche

dule

K-1

(112

0S)

and

W-2

partn

ersh

ip10

65Or

dina

ry in

com

e plu

s gu

aran

teed

paym

ent

Shar

e of p

artn

ersh

ip or

dina

ry in

com

e (Sc

hedu

le K

-1, li

ne 1)

plus

gu

aran

teed

paym

ent (

Sche

dule

K-1

, line

4)Sc

hedu

le K

-1 (1

065)

sole

pro

prie

tor

Sche

dule

C (in

clude

d in

form

1040

)Ne

t pro

fitNe

t pro

fit (S

ched

ule C

, line

31)

Sche

dule

C (1

040)

lim

ited

liab

ility

co

mpa

nyVa

ries

Depe

nden

t on I

RS Fo

rm

Filed

Dete

rmin

e how

LLC

is fil

ing f

or ta

x pur

pose

s and

then

obta

in ta

x in

form

atio

n ind

icate

d abo

veDe

pend

ent o

n IRS

Fo

rm Fi

led


3-12

3 fi

nanc

ial u

nder

writ

ing

Disa

bilit

y Inc

ome

Insu

ranc

e* –

Tax

Con

sequ

ence

s

*not

e: A

form

al si

ck p

ay p

lan

shou

ld b

e in

pla

ce if

an

empl

oyer

wish

es to

ded

uct d

isabi

lity p

rem

ium

pay

men

ts p

aid

for e

mpl

oyee

s.

Tax C

onse

quen

ces

busi

ness

ent

itypr

emiu

m p

ayor

prem

ium

bene

fit p

aym

ents

i & p

lim

itsn

on-o

wne

r, in

divi

dual

Indi

vidua

lNo

t tax

-ded

uctib

le IR

C §2

13Ta

x-fre

e IRC

§104

(a)(3

)No

n-Ta

xabl

e

non

-ow

ner,

indi

vidu

alBu

sines

sTa

x-de

duct

ible

IRC

§162

(a)

Taxa

ble t

o em

ploy

ee

IRC

§105

(a)

Taxa

ble

sole

pro

prie

tor

(sch

edul

e c)

Indi

vidua

l/Ow

ner

Not t

ax-d

educ

tible

IRC

§213

Tax-

free I

RC §1

04(a

)(3)

Non-

Taxa

ble

corp

orat

ion

shar

ehol

der

(for

m 11

20)

Busin

ess

Tax-

dedu

ctib

le IR

C §1

62(a

)Ta

xabl

e to o

wne

r/em

ploy

ee

IRC

§105

(a)

Taxa

ble

Shar

ehol

der/E

mpl

oyee

Not t

ax-d

educ

tible

IRC

§213

Tax-

free I

RC §1

04(a

)(3)

Non-

Taxa

ble


3-13

3 fi

nanc

ial u

nder

writ

ing

Disa

bilit

y Inc

ome

Insu

ranc

e* –

Tax

Con

sequ

ence

s (co

ntin

ued)

*not

e: A

form

al si

ck p

ay p

lan

shou

ld b

e in

pla

ce if

an

empl

oyer

wish

es to

ded

uct d

isabi

lity p

rem

ium

pay

men

ts p

aid

for e

mpl

oyee

s.

Tax C

onse

quen

ces (

cont

inue

d)

busi

ness

ent

itypr

emiu

m p

ayor

prem

ium

bene

fit p

aym

ents

i & p

lim

itss-

corp

orat

ion

shar

ehol

der

(for

m 11

20s)

Indi

vidua

l or B

usin

ess

Tax-

dedu

ctib

le as

wag

es (IR

C §1

62(a

)) and

in

cludi

ble i

ncom

e to s

hare

hold

er (r

even

ue

rulin

g 91-

26)

Tax-

free I

RC §1

04(a

)(3)

Non-

Taxa

ble

partn

er in

a

partn

ersh

ip

(for

m 10

65)

Indi

vidua

l or B

usin

ess

Tax-

dedu

ctib

le as

guar

ante

ed pa

ymen

t (IR

C §1

62(a

)) and

inclu

dibl

e inc

ome t

o pa

rtner

(rev

enue

rulin

g 91-

26)

Tax-

free I

RC §1

04(a

)(3)

Non-

Taxa

ble


3-14

3 fi

nanc

ial u

nder

writ

ing

Busi

ness

Ove

rhea

d Ex

pens

e Co

vera

ge –

Tax

Con

sequ

ence

s

Tax C

onse

quen

ces

busi

ness

ent

itypr

emiu

m p

ayor

prem

ium

bene

fit p

aym

ents

sole

pro

prie

tor

(sch

edul

e c)

Indi

vidua

l/Bus

ines

sDe

duct

ible

busin

ess e

xpen

se

IRC

§162

(a)

Taxa

ble

Reve

nue R

ulin

g 55-

264

corp

orat

ion

(f

orm

1120

)Bu

sines

sDe

duct

ible

busin

ess e

xpen

se

IRC

§162

(a)

Taxa

ble

Reve

nue R

ulin

g 55-

264

s-co

rpor

atio

n

(for

m 11

20s)

Busin

ess

Dedu

ctib

le bu

sines

s exp

ense

IR

C §1

62(a

)Ta

xabl

e Re

venu

e Rul

ing 5

5-26

4

partn

ersh

ip

(for

m 10

65)

Busin

ess

Dedu

ctib

le bu

sines

s exp

ense

IR

C §1

62(a

)Ta

xabl

e Re

venu

e Rul

ing 5

5-26

4


3-15

3 fi

nanc

ial u

nder

writ

ing

Disa

bilit

y Buy

-Sel

l Cov

erag

e –

Tax C

onse

quen

ces

Tax C

onse

quen

ces

busi

ness

ent

itypr

emiu

m p

ayor

prem

ium

bene

fit p

aym

ents

corp

orat

ion

(for

m 11

20)

Indi

vidua

l or B

usin

ess

Not t

ax-d

educ

tible

IR

C §2

65Ta

x-fre

e IR

C §1

04(a

)(3)

s-co

rpor

atio

n (f

orm

1120

s)In

divid

ual o

r Bus

ines

sNo

t tax

-ded

uctib

le

IRC

§265

Tax-

free

IRC

§104

(a)(3

)

partn

ersh

ip

(for

m 10

65)

Indi

vidua

l or B

usin

ess

Not t

ax-d

educ

tible

IR

C §2

65Ta

x-fre

e IR

C §1

04(a

)(3)


3-16

3 fi

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ial u

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ing



3-17

MassMutual Issue and Participation Limitsuse no-Group ltd issue limits for:

• CaseswithnoGroupLTDin-force–individualandmulti-life

3 fi

nanc

ial u

nder

writ

ing

non-taxable with Group ltdRadius Up to and including $70,000

MaxElect Up to and including $100,000

taxable with Group ltdRadius Up to and including $100,000

MaxElect Up to and including $100,000

Maximum MassMutual issue limit• In-forceMassMutualcoverageincombinationwiththe

new MassMutual insurance being applied for cannot exceed MassMutual’sMaximumIssueLimit

Maximum participation limit• In-forcecoverage(individual,association,orGroupLTD)

withanothercompany(orcompanies)incombinationwiththenew MassMutual insurance being applied for cannot exceed MassMutual’sMaximumParticipationLimit.Additionally,wewillneverissuemorethantheMaximumIssueLimit

Issue and Participation Limit ChartsOur I & P charts are now organized by state:

A. usXX chart (all states except cA, fl and puerto rico)

b. florida chart

c . california chart

d. puerto rico chart

We continue to segment limits based on available products; when review-ing the chart be certain to look for the product, age and occupation class to determine the maximum issue and participation limit available.

Use Participating with Group LTD Issue and Participation Limits for:


3-18

3 fi

nanc

ial u

nder

writ

ing

A. usXX chart(allstatesexceptCA,FLandPuertoRico)

Individual, Association and Multi-Life Radius® and MaxElect®

occ class

usXX Maximum MM issue limit

usXX Maximum participation

(existing Gltd and other di coverage) limit

Ages Ages

18-60 61+ 18-60 61+

5A/4A $ 20,000 $ 10,000 $ 30,000 $ 10,000

5P/4P 17,000 10,000 25,000 10,000

3P 15,000 10,000 20,000 10,000

3A 10,000 10,000 15,000 10,000

2A/A 8,000 5,000 10,000 5,000

Maximum Issue and Participation Limits


3-19

3 fi

nanc

ial u

nder

writ

ing

b. florida chart

Individual, Association and Multi-Life Radius® and MaxElect®

occ class

floridA Maximum MM issue limit

floridA Maximum participation (existing Gltd and other

di coverage) limit

Ages Ages

18-60 61+ 18-60 61+

5A/4A/4P/3P $ 15,000 $ 10,000 $ 20,000 $ 10,000

3A 10,000 10,000 15,000 10,000

2A/A 8,000 5,000 10,000 5,000



3-20

3 fi

nanc

ial u

nder

writ

ing

c. california chart

Individual, Association and Multi-Life Radius®

occ class

cAliforniA Maximum MM issue limit

cAliforniA Maximum participation (existing Gltd and other

di coverage) limit

Ages Ages

18-60 61+ 18-60 61+

5A/4A/4P/3P $ 15,000 $ 10,000 $ 20,000 $ 10,000

3A 10,000 10,000 15,000 10,000

2A/A 8,000 5,000 10,000 5,000



3-21

3 fi

nanc

ial u

nder

writ

ing

Individual, Association and Multi-LIfe Radius®, and MaxElect

occ class

puerto rico Maximum MM issue limit

puerto rico Maximum participation (existing Gltd and other

di coverage) limit

Ages Ages

18-60 61+ 18-60 61+

5A/5P/ 4A/4P/3P $ 15,000 $ 10,000 $ 20,000 $ 10,000

3A 10,000 10,000 15,000 10,000

2A/A 8,000 5,000 10,000 5,000


d. puerto rico chart


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participation with Group ltd coverageParticipationwithGroupLTDlimitsallowsforflatreplacementratiosfor

allcaseswithGroupLTD.

radius®

Income Range

Non-Taxable Participation Limit Percent*

Income Range

Taxable ParticipationLimit Percent*

$16,000-70,000Individual Non-taxable Participation Limit

$16,000-100,000Individual Taxable Participation Limit

$70,000+** 65%*** $100,000 80%

Income Range

Non-Taxable Participation Limit Percent*

Taxable ParticipationLimit Percent*

$16,000-100,000Individual Non-taxable Participation Limit

Individual Taxable Participation Limit

$100,001+ 60% 80%

* Subject to our maximum published issue and participation limits based on age and occupation class.

** For incomes above $70,000 with ABI Rider use the 60% Replacement Ratio.

*** Not available with Radius 06 Guaranteed Standard Issue (GSI) – use MaxElect Chart.

* Subject to our maximum published issue and participation limits based on age and occupation class.

Maxelect®


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Issue and Participation Limitsnon-taxable and taxable benefit tables

earned income–salary,wages,commissions,bonusandbusinessincome after expenses.

base Monthly–maximumbasicmonthlybenefit.

social insurance rider Monthly–maximumSocialInsurancemonthly benefit.

individual issue limit–maximumissueavailablethroughMassMutual(deductin-forceindividualorassociationcoverage).

participation with Group ltd limitThis is the maximum amount of disability income coverage in which MassMutualwillshareariskwithGroupLTD;however,wewillneverissuemorethantheMaximumIssueLimit.(Example:Class4P,notinCA/FL/PR, earning$500,000–eligiblemaximumis$25,000–hasLTDin-forceof$5,000. While client is eligible for an additional $20,000, the most we will issue is $17,000 as this is our maximum issue limit).

rules1. Minimum income of $16,000 required for all products

2.EmployeePensionContributionsmaybeinsuredbyeitherRetireGuard(standalone)orwithaDIpolicywithaRetireGuardrider

3. The Social Insurance Rider is required:

• Foroccupationclasses2AorA.

• Withinstatecashsicknessstatesforall5A/5P,4A/4Pand3A/3Poccupation classes with a 60-day wait

4.SocialInsuranceRidercannotbeusedinLTD/DICombinationplansthatoffsetforSocialSecurity.UsetheparticipationwithGroupLTDLimitstodetermine the base benefit

5.TheParticipationwithGroupLTDLimitsappliestoLTD/DIcombinationplansonly–notassociationorindividualDIcoverage

continued

6. When insuring bonus income, we will include income based on the following:

• Currentyearpaidbonusisgreaterthanprioryearbonus–averagethe two years

• Currentyearpaidbonusislessthanprioryearbonus–use100%of the current year bonus

• Onlycurrentyearpaidbonusprovided–use75%ofthecurrentyear paid bonus

• Currentyearbonusiszero–nobonuswillbeaddedtoincome

7. Discount factor, applied to employer-paid group coverage in-force when consideringemployee-paidindividualcoverage,is25%.This25%discount actually converts the employer-pay coverage to what the applicant willreceiveaftertaxes,*allowingustocomparesimilarcoverage.

* Not applicable in Puerto Rico as benefits are received tax free.


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non-taxable issue limit chart


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No Group LTD

earned income base (3)

social insurance rider (2)

individual issue

limit (1,4) 16,000 300 650 950

18,000 425 650 1,075

20,000 625 650 1,275

22,000 650 750 1,400

24,000 775 750 1,525

26,000 800 850 1,650

28,000 875 900 1,775

30,000 975 900 1,875

32,000 975 1,000 1,975

34,000 1,075 1,000 2,075

36,000 1,075 1,100 2,175

38,000 1,175 1,100 2,275

40,000 1,300 1,100 2,400

42,000 1,400 1,100 2,500

44,000 1,500 1,100 2,600

46,000 1,525 1,200 2,725

48,000 1,650 1,200 2,850

50,000 1,750 1,200 2,950

52,000 1,850 1,200 3,050

54,000 1,950 1,200 3,150

56,000 2,050 1,200 3,250

58,000 2,050 1,300 3,350

60,000 2,150 1,300 3,450

65,000 2,300 1,350 3,650

70,000 2,500 1,350 3,850

75,000 2,700 1,350 4,050

continued



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No Group LTD (continued)

continued



individual issue

limit (1,4)80,000 2,900 1,350 4,250

85,000 3,100 1,350 4,450

90,000 3,300 1,350 4,650

95,000 3,500 1,350 4,850

100,000 3,700 1,350 5,050

105,000 3,850 1,350 5,200

110,000 3,950 1,350 5,300

115,000 4,100 1,350 5,450

120,000 4,300 1,350 5,650

125,000 4,450 1,350 5,800

130,000 4,700 1,350 6,050

135,000 4,900 1,350 6,250

140,000 5,100 1,350 6,450

145,000 5,300 1,350 6,650

150,000 5,550 1,350 6,900

155,000 5,775 1,350 7,125

160,000 6,000 1,350 7,350

165,000 6,225 1,350 7,575

170,000 6,450 1,350 7,800

175,000 6,675 1,350 8,025

180,000 6,900 1,350 8,250

185,000 7,125 1,350 8,475

190,000 7,350 1,350 8,700

195,000 7,575 1,350 8,925

200,000 7,800 1,350 9,150

210,000 8,300 1,350 9,650



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individual issue

limit (1,4)

continued

220,000 8,750 1,350 10,100

230,000 9,200 1,350 10,550

240,000 9,650 1,350 11,000

250,000 10,100 1,350 11,450

260,000 10,550 1,350 11,900

270,000 10,650 1,350 12,000

280,000 10,900 1,350 12,250

290,000 11,100 1,350 12,450

300,000 11,550 1,350 12,900

310,000 11,950 1,350 13,300

320,000 12,350 1,350 13,700

330,000 12,700 1,350 14,050

340,000 12,900 1,350 14,250

350,000 13,250 1,350 14,600

360,000 13,650 1,350 15,000

370,000 13,800 1,350 15,150

380,000 13,950 1,350 15,300

390,000 14,100 1,350 15,450

400,000 14,250 1,350 15,600

410,000 14,400 1,350 15,750

420,000 14,550 1,350 15,900

430,000 14,700 1,350 16,050

440,000 14,850 1,350 16,200

450,000 15,000 1,350 16,350

460,000 15,150 1,350 16,500

470,000 15,300 1,350 16,650



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individual issue

limit (1,4)480,000 15,450 1,350 16,800

490,000 15,600 1,350 16,950

500,000 15,750 1,350 17,100

510,000 15,900 1,350 17,250

520,000 16,050 1,350 17,400

530,000 16,200 1,350 17,550

540,000 16,350 1,350 17,700

550,000 16,500 1,350 17,850

560,000 16,650 1,350 18,000

570,000 16,800 1,350 18,150

580,000 16,950 1,350 18,300

590,000 17,100 1,350 18,450

600,000 17,250 1,350 18,600

610,000 17,400 1,350 18,750

620,000 17,550 1,350 18,900

630,000 17,700 1,350 19,050

640,000 17,850 1,350 19,200

650,000 18,000 1,350 19,350

660,000 18,150 1,350 19,500

670,000 18,300 1,350 19,650

680,000 18,450 1,350 19,800

690,000 18,600 1,350 19,950

693,333 18,650 1,350 20,000

1 For class 5A/5P, 4A/4P and 3A/3P risks, the individual issue limit column may be used to determine the Base Monthly benefit available, provided there is no participation with Group LTD or any other Social Security offset product in-force. For class 2A and A, the individual limit column may only be used if SIR is elected, otherwise only the Base Monthly benefit is allowed.

2 For Incomes greater than $60,000, the maximum amount of the Social Insurance Rider benefit will always be $1,350. The Social Insurance Rider is not available in California.

california rules (no Group ltd in-force)These additional rules as well as special issue and participation limits apply:3 For class 2A and A risks, with an elimination period greater than 365 days, the maximum issue limit is the base monthly benefit.

4 For class 5A/5P, 4A/4P and 3A/3P risks, the individual issue limit may be used to determine the base monthly benefit available if the plan has a 180-day elimination period. For class 5A/5P, 4A/4P, 3A and 3P, risks for plans with less than a 180-day elimination period, short-term rider 1 may be added to shorten the overall elimination period. For class 2A and A risks for plans with less than a 365-day elimination period, short-term riders 1 and 2 may be added to shorten the overall elimination period. Calculate by subtracting $1,470 ($1,960 discounted for taxes) of state cash sickness benefits, from the table issue limit, subject to our maximum published issue and participation limits based on age and occupation class. Sole proprietors may receive up to the individual issue limit if they have chosen to opt out of the State Cash Sickness (SDI) Program.

special non-taxable issue and participation limits for higher incomes (class 5A/5p/4A/4p only, ages 18-60) with no Group ltd coverage. this is not available in cA, fl and pr. • For every $10,000 of annual earned income (after expenses) over $690,000, an

additional $150 of monthly benefit will be considered. (Subject to our maximum issue and participation limits)


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taxable issue limit chart


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No Group LTD



individual issue

limit (1,4)

16,000 500 650 1,150

18,000 650 650 1,300

20,000 800 650 1,450

22,000 850 750 1,600

24,000 995 750 1,745

26,000 1,025 850 1,875

28,000 1,125 900 2,025

30,000 1,275 900 2,175

32,000 1,325 1,000 2,325

34,000 1,475 1,000 2,475

36,000 1,500 1,100 2,600

38,000 1,650 1,100 2,750

40,000 1,800 1,100 2,900

42,000 1,950 1,100 3,050

44,000 2,100 1,100 3,200

46,000 2,150 1,200 3,350

48,000 2,250 1,200 3,450

50,000 2,400 1,200 3,600

52,000 2,525 1,200 3,725

54,000 2,650 1,200 3,850

56,000 2,800 1,200 4,000

58,000 2,850 1,300 4,150

60,000 3,000 1,300 4,300

65,000 3,300 1,350 4,650

70,000 3,650 1,350 5,000

75,000 4,000 1,350 5,350

continued



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80,000 4,317 1,350 5,667

85,000 4,583 1,350 5,933

90,000 4,850 1,350 6,200

95,000 5,117 1,350 6,467

100,000 5,383 1,350 6,733

105,000 5,583 1,350 6,933

110,000 5,717 1,350 7,067

115,000 5,917 1,350 7,267

120,000 6,183 1,350 7,533

125,000 6,383 1,350 7,733

130,000 6,717 1,350 8,067

135,000 6,983 1,350 8,333

140,000 7,250 1,350 8,600

145,000 7,517 1,350 8,867

150,000 7,850 1,350 9,200

155,000 8,150 1,350 9,500

160,000 8,450 1,350 9,800

165,000 8,750 1,350 10,100

170,000 9,050 1,350 10,400

175,000 9,350 1,350 10,700

180,000 9,650 1,350 11,000

185,000 9,950 1,350 11,300

190,000 10,250 1,350 11,600

195,000 10,550 1,350 11,900

200,000 10,850 1,350 12,200

210,000 11,517 1,350 12,867

continued



individual issue

limit (1,4)



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220,000 12,117 1,350 13,467

230,000 12,717 1,350 14,067

240,000 13,317 1,350 14,667

250,000 13,650 1,350 15,000

260,000 13,850 1,350 15,200

270,000 14,050 1,350 15,400

280,000 14,250 1,350 15,600

290,000 14,450 1,350 15,800

300,000 14,650 1,350 16,000

310,000 14,850 1,350 16,200

320,000 15,050 1,350 16,400

330,000 15,250 1,350 16,600

340,000 15,450 1,350 16,800

350,000 15,650 1,350 17,000

360,000 15,850 1,350 17,200

370,000 16,050 1,350 17,400

380,000 16,250 1,350 17,600

390,000 16,450 1,350 17,800

400,000 16,650 1,350 18,000

410,000 16,850 1,350 18,200

420,000 17,050 1,350 18,400

430,000 17,250 1,350 18,600

440,000 17,450 1,350 18,800

450,000 17,650 1,350 19,000

460,000 17,850 1,350 19,200

470,000 18,050 1,350 19,400

continued



individual issue

limit (1,4)



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1 For class 5A/5P, 4A/4P and 3A/3P risks, the individual issue limit column may be used to determine the Base Monthly benefit available, provided there is no participation with Group LTD or any other Social Security offset product in-force. For class 2A and A, the individual limit column may only be used if SIR is elected, otherwise only the Base Monthly benefit is allowed.

2 For Incomes greater than $60,000, the maximum amount of the Social Insurance Rider benefit will always be $1,350. The Social Insurance Rider is not available in California.

california rules (no Group ltd in-force)These additional rules as well as special issue and participation limits apply:3 For class 2A and A risks, with an elimination period greater than 365 days, the maximum issue limit is the base monthly benefit.

4 For class 5A/5P, 4A/4P and 3A/3P risks, the individual issue limit may be used to determine the base monthly benefit available if the plan has a 180-day elimination period. For class 5A/5P, 4A/4P, 3A and 3P, risks for policies with less than a 180-day elimination period, short-term rider 1 may be added to shorten the overall elimination period. For class 2A and A risks for plans with less than a 365 -day elimination period, short-term rider 1 and 2 may be added to shorten the overall elimination period. Calculate by subtracting $1,960 of state cash sickness benefits, from the table issue limit, subject to our maximum published issue and participation limits based on age and occupation class. Sole proprietors may receive up to the individual issue limit if they have chosen to opt out of the State Cash Sickness (SDI) Program.

special taxable issue and participation limits for higher incomes (class 5A/5p/4A/4p only, ages 18-60) with no Group ltd coverage. this is not available in cA, fl and pr.

• For every $10,000 of annual earned income (after expenses) over $500,000, an additional $200 of monthly benefit will be considered. (Subject to our maximum issue and participation limits)


480,000 18,250 1,350 19,600

490,000 18,450 1,350 19,800

500,000 18,650 1,350 20,000



individual issue

limit (1,4)

non-taxable issue and participation limit chart with Group ltd only – radiusParticipationLimitsprovidedforincomesuptoandincluding$70,000forcasesinparticipationwithGroupLTDwhereareplacementratioinexcessof60%isdesired.


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Non-taxable Issue and Participation Limit Chart with Group LTD Only – Radius

earned income

individual issue limit (2, 3)

participation with Group ltd (1)

16,000 950 975

18,000 1,075 1,095

20,000 1,275 1,295

22,000 1,400 1,420

24,000 1,525 1,545

26,000 1,650 1,670

28,000 1,775 1,795

30,000 1,875 1,895

32,000 1,975 1,995

34,000 2,075 2,095

36,000 2,175 2,195

38,000 2,275 2,295

40,000 2,400 2,420

42,000 2,500 2,520

44,000 2,600 2,620

46,000 2,725 2,745

48,000 2,850 2,870

50,000 2,950 2,970

52,000 3,050 3,070

54,000 3,150 3,170

56,000 3,250 3,270

58,000 3,350 3,370

continued

for incoMes AboVe $70,000 with no Abi rider use the 65% replAceMent rAtio:

65%monthlyincomelessGroupLTD/othercoverage=MassMutualissue(subjecttomaxissue/participationlimits)

for incoMes AboVe $70,000 with Abi rider use the 60% replAceMent rAtio:

60%monthlyincomelessGroupLTD/othercoverage=MassMutualissue(subjecttomaxissue/participationlimits)

1 For all occupation classes, the participation with Group LTD column may be used to determine the Base Monthly benefit available, subject to the Maximum I & P limits based on occupation class.

The participation with Group LTD limits does not apply when programming with association, state or federal coverage. Group LTD must be applied for simultaneously, or must be in-force in order to receive these limits.

2 In-force MassMutual coverage in combination with new MassMutual coverage cannot exceed the Individual Issue Limit.

california rules (incomes up to and including $70,000 with Group ltd in-force)

These additional rules as well as special issue and participation limits apply:3 If the individual benefit starts before the Group LTD benefit, short-term riders 1 and 2 may be used to shorten the overall elimination period. Calculate by subtracting $1,470 ($1,960 discounted for taxes) of state cash sickness benefits, from the lesser of the table issue limit based on income or occ. class issue limit. Sole proprietors may receive up to the Individual Issue Limit if they have chosen to opt out of the State Cash Sickness (SDI) Program.


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Non-taxable Issue and Participation Limit Chart with Group LTD Only – Radius (continued)

earned income



60,000 3,450 3,470

65,000 3,650 3,670

70,000 3,850 3,870

non-taxable issue and participation limit chart with Group ltd only – radius


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non-taxable issue and participation limit chart with Group ltd only – Maxelect

ParticipationLimitsprovidedforincomesuptoandincluding$100,000forcasesinparticipationwithGroup LTDwhereareplacementratioinexcessof60% isdesired.

Non-taxable Issue and Participation Limit Chart with Group LTD Only – MaxElect

earned incomeindividual issue

limit (2, 3)participation with

Group ltd (1)16,000 950 975

18,000 1,075 1,095

20,000 1,275 1,295

22,000 1,400 1,420

24,000 1,525 1,545

26,000 1,650 1,670

28,000 1,775 1,795

30,000 1,875 1,895

32,000 1,975 1,995

34,000 2,075 2,095

36,000 2,175 2,195

38,000 2,275 2,295

40,000 2,400 2,420

42,000 2,500 2,520

44,000 2,600 2,620

46,000 2,725 2,745

48,000 2,850 2,870

50,000 2,950 2,970

52,000 3,050 3,070

54,000 3,150 3,170

56,000 3,250 3,270

58,000 3,350 3,370

60,000 3,450 3,470

continued


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for incomes above $100,000, use the 60% replacement ratio:60%monthlyincomelessGroupLTD/othercoverage=MassMutualissue(subjecttomaxissue/participationlimits)


The participation with Group LTD limits do not apply when programming with association, state or federal coverage. Group LTD must be applied for simultaneously, or must be in-force in order to receive these limits.



These additional rules as well as special issue and participation limits apply:3 If the individual benefit starts before the Group LTD benefit, short-term riders 1 and

2 may be used to shorten the overall elimination period. Calculate by subtracting $1,470 ($1,960 discounted for taxes) of state cash sickness benefits, from the lesser of the table issue limit based on income or occ. class issue limit. Sole proprietors may receive up to the Individual Issue Limit if they have chosen to opt out of the State Cash Sickness (SDI) Program.

non-taxable issue and participation limit chart with Group ltd only – Maxelect

Non-taxable Issue and Participation Limit Chart with Group LTD Only – MaxElect (continued)

earned income



65,000 3,650 3,670

70,000 3,850 3,870

75,000 4,050 4,070

80,000 4,250 4,270

85,000 4,450 4,470

90,000 4,650 4,670

95,000 4,850 4,870

100,000 5,050 5,070

taxable issue and participation limit chart with Group ltd onlyParticipationLimitsprovidedforincomesuptoandincluding$100,000forcasesinparticipationwithGroupLTDwhereareplacementratioinexcessof80%isdesired.


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Taxable Issue and Participation Limit Chart with Group LTD Only – Radius and Max-Elect

earned income



16,000 1,150 1,175

18,000 1,300 1,325

20,000 1,450 1,475

22,000 1,600 1,625

24,000 1,745 1,770

26,000 1,875 1,900

28,000 2,025 2,050

30,000 2,175 2,200

32,000 2,325 2,350

34,000 2,475 2,500

36,000 2,600 2,625

38,000 2,750 2,775

40,000 2,900 2,925

42,000 3,050 3,075

44,000 3,200 3,225

46,000 3,350 3,375

48,000 3,450 3,475

50,000 3,600 3,625

52,000 3,725 3,750

54,000 3,850 3,875

56,000 4,000 4,025

58,000 4,150 4,175

continued

for incoMes AboVe $100,000, use the 80% replAceMent rAtio:

80% monthly income less Group ltd/other coverage = MassMutual issue (subject to max issue/participation limits)


The participation with Group LTD limits do not apply when programming with association, state or federal coverage. Group LTD must be applied for simultaneously, or must be in-force in order to receive these limits.



These additional rules as well as special issue and participation limits apply:3 If the individual benefit starts before the Group LTD benefit, short-term riders 1 and 2 may be used to shorten the overall elimination period. Calculate by subtracting $1,960 of state cash sickness benefits, from the lesser of the of the table issue limit based on income or occ. class issue limit. Sole proprietors may receive up to the individual issue limit if they have chosen to opt out of the State Cash Sickness (SDI) Program.


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taxable issue and participation limit chart with Group ltd only

Taxable Issue and Participation Limit Chart with Group LTD Only – Radius and Max-Elect (continued)

earned income



60,000 4,300 4,325

65,000 4,650 4,675

70,000 5,000 5,025

75,000 5,350 5,375

80,000 5,667 5,692

85,000 5,933 5,958

90,000 6,200 6,225

95,000 6,467 6,492

100,000 6,733 6,758

Examples of Group LTD with Individual Coverage Plan FormulasWhen determining the replacement benefit percent, the amount of individual coveragemaynotexceedtheMaximumIndividualIssueLimit.

taxable Group ltd benefit and non-taxable individual planIftheGroupLTDplanisemployerpay(theemployerispaying50%ormoreofthepremium)andtheinsuredispaying100%oftheindividualdisabilitypremium,thentheemployerpayGroupLTDcanbeconvertedtoanon-taxablebenefitbymultiplyingtheGroupLTDbenefitby.75andusingthe non-taxable table. The following is an example of that calculation:

example A chart formulaAnnual Income $ 60,000 $ 150,000

LTD Benefit 50% $ 2,500 $ 6,250Multiply by .75 x .75 x .75

LTD Benefit to Subtract $ 1,875 $ 4,688

MM Participation Limit $ 3,470 $ 8,125Minus LTD Benefit of $ 1,875 $ 4,688

Total amount of Coverage We will issue $ 1,595 $ 3,437


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non-taxable Group ltd benefit and non-taxable individual planIftheGroupLTDplanisemployee-pay(theemployeeispaying50%ormoreofthepremium)andtheinsuredispaying100%oftheindividualdisability premium, then the non-taxable benefit table should be used. The following is an example of that calculation:

example b chart formulaAnnual Income $ 60,000 $ 150,000

LTD Benefit 50% $ 2,500 $ 6,250LTD Benefit to Subtract $ 2,500 $ 6,250

MM Participation Limit $ 3,470 $ 8,125Minus LTD benefit of $ 2,500 $ 6,250

Total amount of coverage We will issue $ 970 $ 1,875

taxable Group ltd benefit and taxable individual planIftheGroupLTDplanisemployer-pay(theemployerispaying50%or more of the premium) and the individual disability coverage is also employer-pay(theemployerispaying50%ormoreofthepremium),thenthe taxable benefit table should be used. The following is an example of that calculation:

example c chart formulaAnnual Income $ 75,000 $ 150,000

LTD Benefit 50% $ 3,125 $ 6,250LTD Benefit to Subtract $ 3,125 $ 6,250

MM Participation Limit $ 5,375 $ 10,000Minus LTD benefit of $ 3,125 $ 6,250

Total amount of coverage We will issue $ 2,250 $ 3,750


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non-taxable Group ltd benefit and taxable individual planIftheGroupLTDplanisemployee-pay(theemployeeispaying50%ormoreofthepremium)andtheindividualdisabilityisemployer-pay(theemployerispaying50%ormoreofthepremium),LTDcanbeconvertedtoataxablebenefitbydividingtheLTDbenefitby.75andusingthetaxabletable. The following is an example of that calculation:

example d chart formulaAnnual Income $ 75,000 $ 150,000

LTD Benefit 50% $ 3,125 $ 6,250Divide by .75 /.75 /.75LTD Benefit to Subtract $ 4,167 $ 8,334

MM Participation Limit $ 5,375 $ 10,000Minus LTD Benefit of $ 4,167 $ 8,334

Total amount of coverage We will issue $ 1,208 $ 1,666

note: the same rationale is used when in-force coverage is individual, instead of GroupLTD. However, the Individual Issue Limit would be used for calculations rather than the participation limit.

business overhead expense


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Issue and Participation Limits

occ class

Maximum issue and participation limit

5A/5P, 4A/4P, 3A/3P

$30,000 w/24 mo BP

$40,000 w/18 mo BP

$50,000 w/12 mo BP

2A/A $10,000


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8,61

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buy-sell is Available in three options• LumpSum

• Monthly

• DownPayment(Combinationoflumpsumandmonthlypay-out.Lumpsummustbeaminimumof25%ofthetotalbenefitamountandamaximumof50%ofthetotalbenefitamount.Maximumlumpsumindownpaymentoption=$1,500,000)


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section 4

Multi-life underwriting 4-1 | Multi-Life Cases Defined 4-3 | Guaranteed Standard Issue (GSI) Guidelines 4-9 | Corporate Situs 4-9 | Agent Licensing 4-10 | Association Guidelines 4-11 | 1099 Associates 4-12 | ERISA Information


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Multi-life case Guidelines

Multi-Life Cases DefinedThere are three types of multi-life cases MassMutual will consider. They are defined as follows:

1. employer-pay

• Trueemployer/employeerelationship

• Employerpays100%ofpremium,or• Employerpays50%ormoreofpremium

2. employer-endorsed

• Trueemployer/employeerelationship

• EmployerendorsesMassMutual

• Employerdoesnotpayanyofthepremium

3. Association

• Commonprofessions/occupationsindefinedtargetmarkets

• Localassociationsversusstatewideornational

• Notformedforbuyinginsuranceonly

• 100-lifeminimum

• Charteratleastfiveyearsold

• Publishedrosterofmembers

• Duesrequiredformembership


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All of the above discounts are applied to a unisex rate, are noncancelable and portable in the event the insured leaves the employer through whom the discount was received.

Anassociationdiscountof10%withsex-distinctratesforassociationswith100ormoreeligiblelivesisalsoavailable,withHomeOfficeapproval.Association discount is not available in Montana.

Applying for a Multi-life case discount – Group identification number (Gin)

• SubmitacompletedGroupBillingForm,formf6748, to MassMutual’sHomeOfficealongwithphotocopiesofthefirstpage of three applications from the case. Form f6748 is available in FieldNet

• TheHomeOfficewillassigntheGINandinformtheproducer

• TheassignedGINshouldbeincludedoneachfutureapplicationsubmitted for the case


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Employer-Pay and Employer-Endorsed Multi-life Discounts for All Occupation Classes*

All states eXcept ny, cA & fl lives discount

Employer-Pay or Endorsed 3-20 15%

Employer-Pay 21-100 25%

Employer-Endorsed 21+ 25%

Employer-Pay 101+ 35%

ny, cA & fl lives discount

Employer-Pay or Endorsed 3-20 25%

Employer-Pay 21-100 25%

Employer-Endorsed 21+ 25%

Employer-Pay 101+ 35%

An additional 5% employer-paid discount is also available; please contact your multi-life underwriter for details.

* For Multi-life Discounts used with Guaranteed Standard Issue (GSI) cases see page 5-120.

Multi-Life Case/Guaranteed Standard Issue (GSI) GuidelinesGeneral informationThe following guidelines provide a general framework for producers in themulti-lifemarket.WhentheDIMulti-LifeNewBusinessareareceivescomplete information about the employer and employees, they will review theofferrequesttodetermineifanunderwritingofferisavailable.Guaran-tee standard issue offers will be considered for employer-pay cases of 10 or more,andvoluntarycases*of75ormoreeligibleemployees.

*Not available for Vermont based companies

Multi-life business profileThe following questions represent the information that the producer must gather for the DI Multi-life Underwriter prior to a case being presented to MassMutual and this information should be submitted on the multi-life offer request form:

• Whatisthenatureofthebusiness?

• Howlonghasitbeeninexistence?

• Isthebusinessfinanciallystable?

• Howmanyfull-timeemployees,part-timeemployees?

• Doesthecompanyhaveahistoryoflayoffs?

• Whatarethehiringpractices?

• Doesthecompanyperformphysicalexams,screeningfordrugs,moralinvestigations,etc.?

• Doesthecompanysupportafitnessprogramorotherwellness/preventionactivitiesforemployees?

• Doesthecompanyprovidealternativeworkarrangements(workingathome,jobsharing,etc.)?

Information regarding employee benefit plans is also considered:

• Doestheemployerhaveagroupmedicalinsuranceplanfor employees?

• DoestheemployerprovideGroupLTD,andwhopaysthepremium,theemployeroremployee?

continued


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TheDIMulti-LifeUnderwriterwillrequireGroupLTDexperienceforcaseswith1,000ormoreeligiblelives.TheDIMulti-LifeUnderwriterreservestherighttorequestGroupLTDexperienceonsmallercases.AGroupLTDplan booklet is also required for all employer-pay or employer-endorsed cases. This information is used in the risk analysis and assessment process to determine plan design.

employer participationWhenassessingmulti-lifecases,theDIMulti-LifeUnderwriterviews100% employer-pay cases differently than voluntary cases endorsed by the employer. Employer premium sharing and payroll deduction plans demonstrate a level of commitment by the employer. We have found that an employer’s participation is key to the success of an application period.

Job information Accurate job information is important to assign the appropriate occupa-tion class. If the job title requires clarification, we may request additional information to determine specific duties, travel, and length of time in the position.

income informationAccurate salary and bonus information is critical to determine our underwrit-ing offer. The employer census with salary and a two-year bonus history, if applicable, should be submitted with the offer request in Excel format.

When insuring bonus income, we will include income based on the following:

• Twoyears’ofbonusincomesubmitted–averageandconsider100%(ifmostrecentbonusislessthanprioryear,wewillconsider100%ofmostrecentbonus)

• Oneyearofbonusincomesubmitted–consider75%

• CurrentYearBonusiszero–nobonuswillbeaddedtoincome

Case Underwritingeligibility requirementsAll eligible employees must be included on the census provided to MassMutual. In addition, employees must be continuously actively at work on a full-time basis for 90 days prior to the application date, and employed on a full-time basis for the same employer at the time of policy delivery. Employees


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must be a U.S. citizen or hold a permanent resident visa. In addition, employees must work and reside in the U.S.

• Employeescurrentlydisabledoronclaimareineligible

• Employeesthathavebeendisabledbywhatthemulti-lifeunderwriter deems to have been a significant impairment within 90 days prior to application are ineligible

• Newlyeligibleemployeesapplyingforcoverageaftertheinitialapplication period must submit an application within 30 days of becoming eligible, otherwise regular underwriting rules for medical and financial insurability will apply

underwriting offersGuaranteed standard issue (Gsi)

• Theseapplicationsusesimplified/streamlinedunderwriting.Weguaranteetooffereveryone*whohasbeenactivelyatworkinthedesignated case a policy with a specific maximum monthly benefit amount, waiting period and benefit period at standard rates. We will need full financial underwriting where required by our regular underwriting guidelines, including programming around existing individualandGroupLTDcoverage

• Thepolicywillnotberideredorratedformedicalconditionsoravocation activities on the specific monthly benefit amount

* Special consideration may be given to those employees on a temporary assignment.

Modified Guaranteed issue (MGi)

• Theseapplicationsarefully-underwritten.Weguaranteetooffereveryone in the designated case a policy with a specific maximum monthly benefit amount, waiting period and benefit period. We will need full financial underwriting where required by our regular underwriting guidelines, including programming around existing individualandGroupLTDcoverage

• Thepolicymaybeissuedwitharatingorwithexclusionrider(s),orboth,basedontheriskprofileand/orcurrentmedicalstatusofthe individual

continued


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Modified Guaranteed Acceptance (MGA)

• Theseapplicationsarefully-underwritten.Weguaranteetooffereveryone in the designated case a policy with a specific maximum monthly benefit amount but the policy may be issued with a longer waiting period or shorter benefit period, or both. We will need full financial underwriting where required by our regular underwriting guidelines, including when programming around existing individualandGroupLTDcoverage


• Thepolicymaybeissuedwithalongerwaitingperiodorshorterbenefit period, or both

Guaranteed Acceptance (GA)

• Theseapplicationsarefully-underwritten.Weguaranteetooffereveryone in the designated case a policy but may modify the monthly benefit amount


• Thepolicymaybeissuedwithalongerwaitingperiodorshorterbenefit period, or both

Maximum benefit period endorsement

• Availableonlyonselectemployer-paycasesof20+liveswithpriorunderwritingapproval.Thecostwillbe10%ofpremiumandis available for all classes


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case factorsThere are many factors that are taken into consideration by the DI Multi-life Underwriter to determine the offer. Consideration is given, but not limited to:

• Qualityoftheproducer’sblockofbusinesswithMassMutual

• MassMutual’smorbidityexperienceontheoccupationsbeinginsured

• Levelofcommitmentandendorsementfromtheemployer

• Experienceoftheemployer’sgrouplong-termdisabilityplan–required for cases with 1,000+ eligible lives

• Agegroupsandmale/femaleratioonthecensusdata,ageandgender demographics

• Financialstabilityoftheemployer

• Historyoflayoffs,currentorrecentmerger/acquisitionactivity

other underwriting offer criteriaMedical underwriting–Mayberequiredforsomecasesbasedonouroffer.Requirements may vary from individual case underwriting.

financial underwriting–Requiredforallcases.Applicationsmustbecompleted in full, and additional financials may be requested for amounts in excessoftheGSIoffer.

waiting periods Available–OurwaitingperiodshouldcoordinatewiththeGroupLTDwaitingperiod.Wetypicallyoffer90-day,180-day,andlongerwaiting periods.

benefit periods Available–Benefitperiodsuptoage65and67areavailable. Shorter benefit periods are available and may be appropriate for certain cases or classes of employees.

offer period–AllofferswillbemadeinwritingfromtheHomeOffice.Ifthe employer does not accept an offer within 90 days, it will automatically be withdrawn. Signature of an authorized representative of the employer is considered acceptance of the offer. When the employer accepts the offer, an application period will be established.


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Application period–Theapplicationperiodforcoveragewillbebasedonthe start date established by the employer and MassMutual, with an end date of 30 days or less from the start date. For offers with a pre-existing condition limitation, employees may be re-solicited under the offer. For offers without a pre-existing condition limitation, any employee currently eligible, who chooses not to apply at this time, will not be eligible in the futurefortheunderwritingguaranteesavailableundertheoffer.However,we will consider an employee on an individual basis, subject to evidence of full insurability and regular underwriting rules.

Newemployeeswillbecoveredundertheoffer;however,allmustapplywithin the selected timeframe included in the offer letter. Otherwise, for offers without a pre-existing condition limitation, full evidence of insurabil-ity will be required and regular underwriting rules will apply.

offer renewals–Signedoffersareineffectoneortwoyearsfromthedateof the employer signature; offers are subject to underwriting review upon expirationandmustberenewedinordertocontinuetosubmitGSIapplica-tions. The renewal process requires:

• Mostoffersmayberenewedwithvalidationofcurrentmulti-lifeoffer request information

• Insomecases,anupdatedelectroniccensusofalleligibleemployees, including those that accepted and declined the prior offer, as well as newly eligible employees may be required

• Submissionofthemulti-lifeofferrequestformtoupdateparameters of the renewal request and to request changes to the prior offer

The DI Sales Support unit will review the offer, case experience and will communicate the renewal decision to the producer.


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Corporate SitusCorporateSitusisavailabletoemployer-paidmulti-lifecaseswithaGSIunderwritingofferwithpriorHomeOfficeapproval.

what is corporate situs?

The corporation is the owner of the DI policy, and the contract state for all employees becomes the state where the corporate headquarters is located.

why would a corporate situs arrangement be used?

For consistency and non-discrimination, essentially, when the employer wants all employees to have the same contract.

criteria for using corporate situs• Theemployermustbeownerontheapplication

• Theemployermustpayalloramajorityofthepremium

• Thepoliciesmustbedeliveredtothecorporation

• Transferofownership–theemployermustagreetotransferownership to the employee upon termination of employment

Agent licensingCorporate Situs is subject to current state licensing rules; all regular licens-ing rules apply.

Theagentmustbelicensedwherethesolicitationtakesplace(wherethecorpora-tion is located). The agent must also be licensed in any risk located states.


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AK – Alaska KS – Kansas PR – Puerto Rico

AZ – Arizona LA – Louisiana WV – West Virginia

CO – Colorado ME – Maine

ID – Idaho NM – New Mexico

The employer must sign a Corporate Situs agreement before any solicitation takes place.

Association GuidelinesOnly associations that meet the following criteria will be considered. Profes-sionals with occupation classes of 5A, 4A and 3A are eligible. Examples of targeted occupations include:

• Accountants

• AdvertisingExecutives

• Architects

• Attorneys

• CPAs

• ComputerProgrammers,ManagersandExecutives

• Engineers

note: Physician and Dental cases are not eligible for the Association Discount.Groupsnotmeetingthiscriteriaincludechambersofcommerce,credit unions and fraternal organizations.

Association typesA local association is defined by a single agent’s scope of marketing capabili-ties.Wewilldetermine“local”basedontheproducer’smarketingstrategy.Experience has shown that national associations cannot be marketed to full potential. Exceptions may be made if the producer intends to market to a local segment of a national association and obtains an endorsement to this effect. Multi-state associations will be evaluated on a case by case basis, and associa-tions will only be approved for states in which the product has been approved.

Association case requirements• Endorsementletterfromthepresidentoftheassociation,

on association letterhead, endorsing the producer as well as MassMutual Individual DI exclusively

• Detailedmarketingplanfromtheproducerillustratingapplicationstrategy for the first 3-6 months of the application process

• Onlyassociationsthathavebeeninexistenceforatleasttwoyearswill be considered

• Currentrosterofallassociationmembers

• Copyoftheassociationbylaws

Applying for an Association discount• Pleasesee“Multi-LifeDiscount”guidelinesonpage4-2.


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1099 Associates 1099 associates are independent contractors; they are not employees. We may consider 1099 employees for a multi-life discount and possibly an underwriting offer as noted below.

A) employer with “incidental” 1099 Associates –

Caseswherelessthan20%ofthetotalpopulationofemployees,including1099 associates, is made up of 1099 associates

• Wewillconsidertreatingthe1099associatesasemployeesand assess the overall risk by applying standard underwriting guidelines and practices and they may be included in the underwriting offer

b) employer with “significant” 1099 Associate exposure

Caseswheremorethan20%ofthetotalpopulationofemployees,including1099 associates, is made up of 1099 associates

• Theriskassociatedwiththeseassociatesissignificantlydifferentfrom the risk associated with true employees; therefore, we do not treat as employees for multi-life offers

• Thesamefinancialandmedicalunderwritingrequirementsthatareused for fully-underwritten business will apply

c) employer that hires “almost exclusively” captive 1099 Associates

• Ifitistheemployer’spracticetocontractcaptive1099associates,select cases may be considered for underwriting offers. Standard underwriting and risk selection criteria will apply


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ERISAMany employers are aware that some employee benefit arrangements are covered by the Employee Retirement Income Security Act of 1974 (ERISA).Thesetypicallyincludegroupbenefitplansorretirementplansthat employers provide their employees.

ERISA rules can also apply to certain employer-sponsored arrangements that provide for insurance for their employees. Should an employer elect to offer insurance products to their employees, whether on a voluntary or an employer-paid basis, the employer will need to determine if the insurance will be part of an employee benefit plan subject to ERISA.

In connection with any insurance offer that MassMutual makes to an employer, MassMutual will need the employer to identify whether the insurance will be part of a plan subject to ERISA. MassMutual must obtain this information in order to comply with certain requirements under ERISA when it issues insurance products as part of an ERISA plan.

We’vepreparedanERISAbrochureforemployersentitled“EmployerFAQ –ERISAandWelfareBenefitPlans”(Form#5257),thatprovidessomegeneralguidance to help employers determine if the MassMutual insurance being considered will be subject to ERISA regulations.


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section 5

product information 5-1 | General Product Information 5-3 | Radius®

5-51 | Radius Transition Select 5-59 | RetireGuard®

5-67 | Business Overhead Expense Policy (BOE-01) 5-91 | Buy-Sell

worksite products 5-59 | RetireGuard®

5-119 | MaxElect®

All product sections include basic policy information, rider information, and medical/

financial requirements.


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product informationchoosing your target MarketOne of MassMutual’s strengths is our comprehensive product portfolio that enables producers to provide high quality disability income insurance products to diverse markets. We help individuals meet their unique and changing income protection needs throughout their working years with products and services for wage earners and business owners alike. While our top-of-the-line products are geared more for the highly skilled, affluent professionals, we also have products suitable for more modest incomes.

All references to 12, 10, 07, 04, 01, and 98 refer to a particular policy series. These are not policy names and should not be used in marketing or advertising materials. This information is being provided in summary form. If there are any discrepancies between this manual and information in relevant policies, the policy documents will govern. For complete details of any policy please refer to the policy form. For complete information about the state availability of a product or rider, please refer to the New Business Checklist or FieldNet.


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radius® policy information

Radius® 12 content provided is for reference purposes only. titles including “definition” are actual definitions from the contract; all other materials are not. please refer to the policy for the complete set of definitions and contract provisions. radius® 12 is not available in california, florida and Vermont. please see the california reference Manual (di1075cA) for products available in california and the generic di reference Manual dated July 2009 for florida and Vermont.

Radius® is MassMutual’s flagship product for individual and multi-life saleswhereaGuaranteedStandardIssueOffer(GSI)isnotmade.Radius® is extremely flexible and can be customized to meet a vast spectrum of customerneeds.Byusingbenefitriders,youhavetheabilitytohelpmeetyour client’s unique needs, while maintaining the flexibility to align coverage with the amount of premium commitment your client is able to make.


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Radius® 12 Specifications

issue Age 18 through 64 (NJ will be issued through age 60 – over age 60 would need to purchase currently approved over-age product)

occupation class 5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 60, 90, 180,365 and 730* days

Maximum benefit periods

•2years(notavailablewith365-daywaitingperiodinNJ and VA)•5years,10years,toAge65,toAge67•Issueages63and64–2yearonly–Radius® 98•Seepage5-163 for the Benefit Payout Schedule

premium •Individual:SexDistinct**•Association:SexDistinct**•Employer-pay/endorsement:Unisex•Ratesarelevelpremiumorgradedpremium***•Allstatesare1.0exceptFLandPuertoRico

tobacco use 35% Surcharge****

discounts •5%First-YearLife/DICross-Sell(notavailableinNJ)•10%SpouseDiscount(notavailableinMD)•10%Associationdiscount,3+Lives•15%Multi-lifediscount,3-20Lives(exceptFLandNY)•25%Multi-lifediscount,3-20LivesinFLandNY

Minimum Annual income requirements

•Individual/AssociationallClasses-$16,000•Multi-lifeallClasses-$16,000

Minimum policy size

$500/Month base or $300/Month base with $200 GSR or $200 SIR

* Not available in AR, CT, ID, IA, KS, NJ, OK, PA, SC, VT, VA, WA, WV **All policies unisex in Montana and Association Discount not available. *** Availability varies by state. Please refer to the Disability Product Approval Grid on

FieldNet (DI7137).**** For nicotine use, a factor of 1.35 is applied. The nicotine surcharge will be included

for cigarettes, cigars, pipe smokers, chewing tobacco, the nicotine patch and nicotine gum.

Policy Descriptionnon-cancelable, Guaranteed continuable to Age 65 (radius® 12)The policy is non-cancelable, guaranteed continuable to age 65. It is condition-ally renewable after age 65 to the policy anniversary on or next following the insured’s 75th birthday, if the insured qualifies financially using our current I & P limits, is working 30 hours per week and is not disabled.

This policy may be renewed on the policy anniversary that falls on or next following the insured’s 65th birthday. Renewal is conditional for one-year periods on each policy anniversary date up to the insured’s 75th birthday. This policy anniversary date is also the renewal date.

This policy may be renewed if the insured:

• Isnotdisabled;and

• Isactivelyatwork.

Premiums at renewal are based on the insured’s attained age and rates in effect at the time of renewal.

definition of total disabilityThe occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury, in which the Insured cannot perform the main duties of his/herOccupationandisnotworkingatanyotheroccupation.TheInsuredmust be under a doctor’s care.

The definition of disability may vary by state. See page 5-6 for more information.


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Table of State Disability Definitions

state total disabilityflorida The occurrence, while this Policy is In-Force, of a condition caused

by Sickness or Injury in which:

For the first 12 months of the Sickness or Injury, the Insured is not engaged in the material and substantial duties of his/her Occupation; and

After the first 12 months of the Sickness or Injury, the Insured is not engaged in any occupation for which he/she is qualified by reason of education, training, or experience; and

The Insured is under a Doctor’s Care.

illinois The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury, in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation. The Insured must be under a Doctor’s Care.

If the Insured is retired at the start of Disability, he/she is Totally Disabled if unable to engage in the normal activities of a retired person of like age and good health.

Kansas The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation for which you are reasonably suited by education, training, or experience. The Insured must be under a Doctor’s Care.

louisiana The occurrence while this Policy is In-Force of a condition caused by Sickness or Injury in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation for which he/she is, or becomes, qualified by reason of education, training, or experience and which provides him/her with substantially the same earning capacity as his/her former earning capacity prior to the start of the Disability. The Insured must be under a Doctor’s Care.

Maryland The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation. The Insured must be under a Doctor’s Care. The Disability must begin while this Policy is In-Force.


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Table of State Disability Definitions (continued)

state total disabilityMassachusetts The occurrence while this Policy is In-Force of a condition caused

by a Sickness or Injury in which the Insured cannot perform the material and substantial duties of his/her Occupation and is not working at any other occupation. The Insured must be under a Doctor’s Care.

Missouri The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury, in which the Insured cannot perform the material and substantial duties of his/her Occupation. In addition, after twelve months of such condition, the Insured is not engaged in the material and substantial duties of any occupation for which he/she is qualified by reason of education, training or experience. The Insured must be under a Doctor’s Care.

north carolina The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury, in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation.

The Insured must be under a Doctor’s Care, unless the Insured has reached the maximum point of recovery. The Disability will continue when there is no doubt the Insured is Disabled but in the opinion of the Doctor, future or continued treatment would be of no benefit.

south carolina The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury, in which, for the first 12 months of Disability, the Insured cannot perform the main duties of his/her Occupation. After that time, the Insured must not be engaged in any occupation for which he/she is qualified by reason of education, training, or experience. The Insured must be under a Doctor’s Care.

south dakota The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury, in which the Insured cannot perform the substantial and material duties of an occupation. The Insured must be under a Doctor’s Care.

tennessee The occurrence while this Policy is In-Force of a condition caused by a Sickness or Injury, in which the Insured cannot perform the main duties of his/her Occupation and is not working at any gainful occupation. The Insured must be under a Doctor’s Care.


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Table of State Disability Definitions (continued)

state total disabilityVermont The occurrence while this Policy is In-Force of a condition caused

by a Sickness or Injury, in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation for which he/she is qualified by reason of education, training or experience. The Insured must be under a Doctor’s Care.

definition of presumptive total disability The Insured is Presumptively Totally Disabled when Sickness or Injury causes a total loss of:

• speech;

• hearinginbothears;

• sightinbotheyes;

• useofbothhands;

• useofbothfeet;or • useofonehandandonefoot

Disability Benefitstotal disabilityBenefitswillbepaidbasedonthetotaldisabilitybenefitshowninthepolicyspecifications if the insured is totally disabled.

presumptive total disabilityWhile the policy is in-force, if the insured:

• suffersapresumptivedisability,and • isunderadoctor’scare,

then full total disability benefits will be paid following the waiting period for total disability. If the loss is deemed to be complete and irrecoverable, full total disability benefits will be paid immediately. We will waive the requirement of doctor’s care, waiting period and requirement that the insured is not working.

Mental disorder limitationThe maximum benefit period for each period of disability caused by a mentaldisorderis24months,withnoaggregatelifetimelimit.However,if the insured remains disabled, and is confined to a hospital for the mental disorder, and under the care of a doctor, additional monthly benefits will be paid up to the elected maximum benefit period.

Effective November 1, 2009, full mental health coverage is mandatory in Vermont. Policies will require the Maximum Benefit Period Endorsement and the associated cost will be 10% of the premium.

recurring disabilityIf a disability is related to an earlier disability and starts less than 12 months afteraperiodofdisabilityends,andthecontracthasa“ToAge65”or“ToAge67”maximumbenefitperiod,itisconsideredarecurringdisabilityand a new waiting period is not required. A recurring disability is also an unrelated disability that begins less than 30 days after the insured returns to workfull-timeinhis/heroccupationoranotheroccupation,whichisconsis-tentwithhis/hereducation,training,andexperience.Benefitspaidforarecurring disability are treated as a continuation of the prior period for which benefits are paid.

note: For disability benefits with a maximum benefit period less than to age 65, a recurring disability is a related disability which starts less than six months after a period of disability ends. Some states allow only a six-month recurrent period regardless of the maximum benefit period.


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rehabilitation benefitsWe will reimburse the insured for covered expenses actually incurred in a pre-approved rehabilitation program if disability benefits are currently being paid and the expenses are not being paid by another source. We will reimburse covered expenses such as: cost of physical therapy prescribed by a physician, tuition, books, and use of equipment required for the rehabilitation program.

waiver of premiumAfter90daysoftotaldisabilityand/orpartialdisability,ifapartialdisabilityrider is purchased, we will waive premiums for as long as the insured remains disabled. Any premiums paid during that 90-day period will be refunded.

dividendsDividendsmaybecomepayableattheendofthefifthpolicyyear(ifavailable).Thereisonedividendoptionavailable,cashonly.InFLandPRdividends(ifavailable)arepayableattheendofthesixthpolicyyear.Dividends are not guaranteed. We currently do not illustrate dividends on RadiusGSIpolicies.

Grace periodIfanunpaidpremiumindefaultisnotpaid(orwaived)bytheendofthe 31-day grace period, the policy will lapse without value as of the due date of that unpaid premium and the insurance will terminate.

reinstatementThe owner may reinstate the policy after it has lapsed up to 12 months by paying the back premiums that are due. We may require an application and proof of insurability to reinstate the policy. The reinstated policy will only cover disabilities caused by injuries that occur after the reinstatement is effective. It will only cover disabilities caused by sickness that first appears (makesitselfknown)morethan10daysafterthedatethereinstatementiseffective. After 12 months, full underwriting will be required for consider-ation of a new policy.

Making a claimNoticeofclaimmustbegiventotheHomeOfficewithin20daysafterthedisability starts, or as soon afterwards as it is reasonably possible to do so. When this notice is received, appropriate claim forms will promptly be sent to the person claiming benefits. Written proof of claim must be given to the HomeOfficebeforetheendof90daysaftertheendofeachmonthlyperiod


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for which MassMutual is liable for benefits. If it is not reasonably possible to provide that proof within this time limit, then proof may be given as soon thereafter as it is reasonably possible to do so. Unless the delay is due to legal incapacity, this extension of time is limited to one year.

coverage exclusionsThis policy does not cover disabilities caused or contributed to by:

• War(declaredorundeclared)

• Normalpregnancyorchildbirth

right to suspend policyIftheinsuredentersfull-timeactivedutyinmilitaryservice(otherthanactive duty or training lasting three months or less), the owner may suspend a disability income insurance policy. Written request for suspension is required. The policy will be suspended as of the date MassMutual receives the written request.

A pro rata part of any premium paid for a period beyond the date of suspen-sion will be refunded. During suspension the policy will not be in-force. Nobenefitsofanykindwillbeavailable;nopremiumswillberequired;nodividends will be payable. When military service ends, the owner may place the policy back in-force according to the terms of the policy. After the policy has been placed back in-force it shall not cover any disability due to injury which occurred, or sickness which first manifested itself, during a period of suspension. It will cover disabilities caused by a sickness that first appears more than 10 days after restoration is effective.

right to Apply for Additional benefitsAdditional benefits can be applied for at any time while the policy is in-force. A new application and proof of medical and financial insurability is required. To apply for additional benefits, the insured must qualify for a minimum of $100 of additional monthly benefit based on the current issue and participation limits. The maximum amount of additional benefits that can be purchased are subject to the issue and participation limits in-force at the time of application. Current underwriting guidelines and current occupa-tion classes will apply to the new benefits. Rates in effect at the time of application will apply.

Additional benefits are effective on the monthly anniversary following the date the application for additional benefits is approved.


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This Right to Apply provision gives the insured the ability to increase coverageunderthebasepolicywithoutpurchasinganadditionalpolicy(nonew policy fees).

Managerial duties endorsementThe Managerial Duties Endorsement modifies the Definition of Total Disabil-ityandtheTotalDisabilityBenefitsprovisionofthepolicy.ItalsomodifiesPartial Disability if a rider with partial disability has been purchased. The ManagerialDutiesEndorsementwillinsureanindividualinhis/hersedentaryand administrative activities. Radius®, with a Managerial Duties Endorse-ment, will pay disability benefits only when the insured is unable to perform themanagerialdutiesofhis/herregularoccupation.Thisendorsementmayberequired at time of underwriting. With the addition of the Managerial Duties Endorsement, manual duties are defined and specifically excluded under the DisabilitiesNotCoveredsection.TheManagerialDutiesEndorsementisnotavailableinNewJerseyandnotallowedonpolicieswiththeOWNOCCRider.

The Managerial Duties Endorsement permits us to offer more liberal occupation classifications to business owners than if we were covering the business owner’s manualduties.Becausesmall-businessownersareatargetmarket,thisendorse-mentenablesustoincludethosesuccessfulcommercialand/orretailbusinessowners who, at the time of application, may have manual duties accounting for morethan10%butlessthan25%oftheirtotalbusinessactivities.

Extended Partial Rider not available with Managerial Duties Endorsement

premium refund at deathThat part of any premium paid for a period beyond the date of the insured’s death will be refunded. This provision does not apply to any premium that was waived.

pre-existing condition limitationA disability or loss caused by a pre-existing condition will not be covered if:

• Thepre-existingconditionwasnotfullyandaccuratelydescribedin the application; or

• Wehavespecificallyexcludedthepre-existingconditionbynameor specific description.

However,adisabilityorlosscausedbyapre-existingconditionwillbecovered if it starts two years after the policy has been issued and it has not been excluded from coverage.


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optional ridersRider attachment is subject to MassMutual’s rules and regulations in effect when application is made. The following riders are available for Radius®:

• Abi–AutomaticBenefitIncrease

• cAt–CatastrophicDisabilityBenefitRider

• colA–CostofLivingAdjustmentRider3%

• epr–ExtendedPartialDisabilityBenefitsRider

• fio–FutureInsurabilityOption

• Gsr–GroupSupplementDisabilityBenefitsRider

• hiV–HIVRider

• own occ–Own-OccupationRider

• partial –PartialDisabilityBenefitsRider

• rGr–RetireGuard® Rider

• sir–SocialInsuranceRider• str–ShortTermDisabilityBenefitsRiders

ABI – Automatic Benefit Increase RiderTheABIriderisasupplementalbenefitriderwhich,whenaddedtothepolicy,allows the automatic annual purchase of benefits without evidence of medical (otherthanthefacttheinsuredmustnotbedisabled)orfinancialinsurability.TheinsuredmayelecttheABIrideratthetimeofapplicationoratanypolicyanniversary while the policy is in-force. Evidence of insurability is required to add this rider after issue. There is no cost for this rider.


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This no-cost rider allows the insured to automatically increase the original monthly benefit on five consecutive policy anniversaries, provided the insuredisnotdisabled.Eachincreasewillbethegreaterof$50or3%ofallfully-underwritten coverage. Fully-underwritten coverage includes coverage for which medical evidence of insurability was provided but does not includepriorABIorFIOincreases.

CAT – Catastrophic Disability Benefit Rider*TheCatastrophicDisabilityBenefitRider(CATRider)providesbenefitsthatcoverupto100%ofpre-disabilityearnedincomewhencombinedwitha base policy. It is a total only disability benefit and terminates when the insured reaches age 65. There is an additional cost for this rider.

*In GA, this Rider name is changed to “Continuing Disability Rider”.


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ABI Specifications

issue Ages 18-55; Increases through Age 60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

Availability •Minimumincreaseis$50•Nopremiumchargetoaddridertobasepolicy•NotavailableinFLandPR•Notavailablewithareplacementratiogreaterthan

60% with incomes $70,000+ when participating with underlying group LTD on a non-taxable basis

features •3%simpleautomaticincreases•5-yearstringisfromdateofissue•ABIincreaseswillnotreducetheFIOpool•PurchasesbaseandallridersexceptCAT,

RetireGuard® Rider, HIV and SIR•Availableonstandardandsubstandardpolicies

renewability •Subjecttorenewalevery5years•Financialevidenceonly•90daysbefore5thpolicyanniversary•4outof5increasesmustbein-force•Age55oryounger


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* 730 not available in AR, ID, IA, KS, NJ, OK, PA, SC, VT, VA, WA, WV

CAT Specifications

issue Ages 18-64 (18-60 in NJ)

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 60 days, 90 days, 180 days, 365 days or 730* daysWaitingperiods:•Cannotbelessthanthewaitingperiodofthebase

contract. If the policy is issued with the COLA rider then the waiting period of the CAT must match the base waiting period•Iftheinsuredqualifiesforabenefitbasedona

complete & irrecoverable presumptive disability, then the waiting period is waived

benefit periods •2years,5years,10years(notavailablewithRadius 98), To Age 65, To Age 67 •Benefitperiodcanbelessthan,greaterthanorequal

to the base policy benefit period. exception: If the policy is issued with the COLA rider (or added after issue), then the benefit period of the CAT must match the base benefit period

Minimum rider Amount

$300/mo.

Maximum rider Amount

$12,000/mo.

other •Availableonstandardandsubstandard•AvailableonRadius12,Radius10,Radius07,

Radius 04, Radius 01 and Radius 98•FIOandABIwillnotapplytotheCatastrophicrider;

the insured will not be allowed to use their FIO pool to purchase additional CAT•The20%Multi-LifesurchargeforFLandPRwillnot

be applied to the CAT rider•CATisNOTAVAILABLEinCT

definition of catastrophic disability or catastrophically disabled TheInsured’sconditionhasmeteither(1)or(2)where:

(1) the definition of presumptive disability, as defined in your policy, which includes:

• Lossofspeech;or

• Lossofhearinginbothears;or

• Lossofsightinbotheyes;or

• Lossofuseofbothhands,orbothfeet,oronehandandonefoot.

(2) the definition of total disability, as defined in your policy, and (a) or (b) where:

(a)TheinabilitytoperformtwoofsixActivitiesofDailyLiving(ADLs)*asdefinedbelow,withoutassistance.

Adls:• bathing–washingoneselfbyspongebath;orineitheratubor

shower, including the task of getting onto or out of the tub or shower.

• continence–theabilitytomaintaincontrolofbowelorbladderfunction; or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (includingcaringforcatheterorcolostomybag).

• dressing–puttingonandtakingoffallitemsofclothingandanynecessary braces, fasteners, or artificial limbs.

• eating–feedingoneselfbygettingfoodintothebodyfromareceptacle(suchasplate,cuportable)orbyfeedingtubeorintravenously.

• toileting–meansgettingtoandfromthetoilet,gettingonandoffthe toilet, and performing associated personal hygiene.

• transferring–meansmovingintooroutofabed,chair,orwheelchair.

*In TN: Inability to perform one of five ADL’s, bathing is excluded


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(b)A severe cognitive impairment –TheInsured’sseveredeteriorationand/orlossofcognitivecapacitythatresultsintheneedfor Substantial Supervision, as defined below, by another person to protecthis/herselforothersfromthreatstohealthorsafety.Cognitiveimpairment of this severity must be evidenced by global impairment ofADLsasdemonstratedbystandardizedneurocognitivetesting.

Examples of conditions that might result in Severe Cognitive Impairment, include, but are not limited to, the following:

• ModeratetosevereAlzheimer’sdisease;

• Severetraumaticbraininjury;

• Parkinson’sdementia;

• Huntington’sdementia;

• Vasculardementia;

• Severecerebralvascularaccident

substantial supervision–Thecontinualsupervisionbyanotherperson to protect the Insured or others from threats to health or safety(suchasmayresultfromwandering)whentheinsuredhas a Severe Cognitive Impairment. Such supervision may include cueing by verbal prompting, gestures, or other similar demonstrations.

Catastrophic Disability does not include a disability that is contributed to or caused by a condition diagnosed as being within one or more of the following category of disorders: sleep, learning, attention deficit hyperactiv-ity,substanceuse-related,schizophrenia/otherpsychotic,mood,anxiety,somatoform, dissociative, or personality. These disorders are defined by the code of Diagnostic and Statistical Manual of the Mental Disorders published bytheAmericanPsychiatricAssociation(APA).Ifthatmanualisdiscontin-ued, we will use the replacement chosen by the APA.

contract changesThe CAT rider may be added to existing radius® 98, radius® 01, radius® 04, radius® 07 and radius® 10. The CAT will be added using current rates at the time of application and will be fully-underwritten.


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overinsuranceThe CAT rider will not be offered to those clients who are currently overin-sured based on income. We will, however, issue the CAT rider to those clients who are over our maximum I & P limits, not to exceed $12,000.

right to ApplyThe ‘Right to Apply’ provision will be available with the CAT rider. These guidelines are only used to allow any additions, increases, changes or attach-ments and the premium rates will be those in effect at the time the additional benefits are effective for that policy series.

the rtA may be used to:• IncreaseCATrideramount

Please refer to page 5-11 regarding RTA guidelines.


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COLA–CostofLivingAdjustmentRider–3%ThepurposeoftheCOLArideristohelpbenefitskeeppacewithinflationin the event of a disability lasting longer than 12 months. Increases start to accrue after the insured is disabled for 12 months or the full waiting period, whichever is longer. Increases are compounded at three percent and there isnolimittothenumberofadjustmentsthatmaybemadeundertheCOLArider. There is an additional cost for this rider.


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COLA Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

Availability •Availableonstandardand substandard policies•Willincreasebenefitsunderbase,ExtendedPartial

Rider, OWN OCC Rider, SIR and CAT

increase Amount 3% Compounded – No Cap

benefit periods 10 years, To Age 65, To Age 67

UponrecoveryfromaperiodofdisabilityforwhichCOLAadjustmentswere made, the insured has the right to purchase the additional monthly benefitscreatedthroughCOLAincreases.Thiscoveragecanbepurchasedusingcurrentattainedagerates(ratesinuseatthetimeofpurchaseoftheadditional coverage) for the insured’s current occupation class applicable at time of purchase of additional coverage. The current occupation class may differfromtheoccupationclassattimeoforiginalissueofCOLA.Purchasecan be made, if the insured:

• Returnstoworkfull-timeatleast30hoursperweekatanoccupationconsistentwithhis/hereducation,trainingorexperience;

• Hasnotreachedhis/her60thbirthday

• Applieswithin90daysafterthedisabilityends

This increase in coverage may be purchased without evidence of medical or financial insurability.

EPR – Extended Partial Disability Benefits RiderThe Extended Partial rider provides benefits for a partial disability. There is an additional cost for this rider.


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* Availability varies by state. Please refer to the Disability Product Approval Grid on FieldNet (DI7137).

** Not available in AR, CT, ID, IA, KS, NJ, OK, PA, SC, VT, VA, WA, and WV

EPR Specifications*

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods •60,90,180,365and730**days•Mustbesameasbasepolicy

benefit periods •2years,5years,10yearsandToAge65,ToAge67•Mustbesameasbasepolicy

benefit Amount •Equalsthebasecoverage+SIR•IncludesRecoveryBenefit•IncreasedthroughFIO,ABI,andRighttoApply

other •Availableonstandardandsubstandardpolicies•PartialRiderandEPRnotallowedonthesamepolicy.

If the OWN OCC Rider is on the policy refer to the Modification to the Partial Disability Benefit provision included in OWN OCC Rider.•RequiredwithGroupSupplementRider•NotavailablewithManagerialDutiesEndorsement

definition of partial disabilityFor the first 6 months of Partial Disability whether during the Waiting Period oraftertheInsuredisPartiallyDisabledifduetoSicknessorInjuryhe/she:

• isworkingathis/herOccupationoranotheroccupation;

• isunderaDoctor’sCare;and

• fulfillsthecircumstancesdescribedineither(1),(2)or(3)below:

(1)candosome,butnotall,ofthemaindutiesofhis/herOccupation.Themainduty(s)thattheinsuredisunabletoperformmustaccountforatleast15%ofthetimehe/shespentinhis/herOccupationpriortothestartofDisability.

(2)canperformallthemaindutiesofhis/herOccupation,butfornomorethan85%ofthetimetheywerecollectivelyperformedconsistently just prior to the start of Disability.

(3)

• hasareducedcapacitytoperformhis/herOccupation;

• hasaLossofIncomeofatleast15%ofPre-disabilityIncome;and

• canshowaDemonstratedRelationshipbetweentheLossofIncome and the current Disability.

After the first 6 months of Partial Disability, whether during the Waiting Period orafter,theInsuredisPartiallyDisabledif,duetoSicknessorInjuryhe/she:


• isunderaDoctor’sCare;



• canshowaDemonstratedRelationshipbetweentheLossofIncomeand the current Disability.

partial disability benefitsIn order for Partial Disability benefits to be paid, the Insured must have been TotallyDisabledand/orPartiallyDisabledthroughoutthefullWaitingPeriodforthisRidershowninthePolicySpecifications.NoBenefitsareaccruedduring the Waiting Period. Once the Waiting Period has been satisfied and while the Insured is Partially Disabled, We will pay benefits as follows:

for the first 12 months of partial disability benefits:

AnymonthlypaymentforPartialDisabilitywillbeatleast50%oftheExtendedPartialDisabilityMonthlyBenefitshowninthePolicySpecifica-


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tions.BasedontheInsured’sLossofIncome,themonthlypaymentcanexceedthe50%minimumasdeterminedbelow:

• IftheInsured’sLossofIncomeismorethan50%oftheExtendedPartialDisabilityMonthlyBenefitshowninthePolicySpecifications, the monthly payment will be the Insured’s actual LossofIncome,uptotheExtendedPartialDisabilityMonthlyBenefitshowninthePolicySpecifications;or

• IftheInsured’sLossofIncomeisgreaterthan75%ofPre-disabilityIncome, the monthly payment will be the full Extended Partial DisabilityMonthlyBenefitshowninthePolicySpecifications.

If eligible under both above conditions, the greater of the two monthly payments will be made.

starting with the 13th month of partial disability benefits:

Any monthly payment for Partial Disability will be based on the Insured’s LossofIncomerelativetothePre-disabilityIncome.Themonthlypaymentwill be determined as follows:

• IftheInsured’sLossofIncomeisequaltoorgreaterthan15%ofPre-disabilityIncome,butlessthanorequalto75%ofPre-disabilityIncome, the monthly payment will be determined by the following:


recovery benefitAfter a period of total disability or partial disability payments, a recovery benefitwillbepaidprovidedtheinsured’slossofincomeisatleast15%ofpre-disability income and there is a demonstrated relationship between the insured’s loss of income and the previous disability. The recovery benefit will be paid through the sixth month following the insured’s full recovery and return to work.


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Extended Partial Disability Monthly Benefit

Loss of IncomePre-Disability IncomeX

We will periodically reevaluate the demonstrated relationship to determine ifa15%lossofincomeexists.Aslongasthelossremains,wewillcontinueto pay a monthly income not to exceed the maximum benefit period for partial disability.

Adjustment to pre-disability incomeAfter each 12 consecutive months of disability, pre-disability income will beincreasedtoreflecttheincreaseintheConsumerPriceIndex(CPI).Theincreasewillneverbelessthan3%.

FIO – Future Insurability Option RiderThis rider allows the policy owner to increase the amount of monthly disability coverage as the insured’s income increases before disability. Atissuea“pool”amountischosenwhichwillbeavailableduringannualoption periods to purchase new disability coverage. Increases to coverage using the FIO rider require financial underwriting only. The insured cannot be disabled. There is an additional cost for this rider.

TheFIO“pool”amountcanbeincreased,subjecttomaximumbenefitamounts with financial and medical underwriting, during any option period prior to age 55. Current underwriting guidelines will apply.

Iftheinsuredisdisabledduringtheoptionperiod,he/shemayapplyfortheincreased benefits upon recovery if any option periods remain.

An option period occurs each year through age 60. During an option period, the insured may apply to purchase additional benefits. We will require financial documentation to provide evidence of insurability as well as information about other disability income benefits in-force or applied for. The insured must not be disabled.

If the insured’s risk class is more favorable at the time of application for additional benefits we will use the more favorable class when issuing the benefits. If the risk class is less favorable at the time of application the insuredwillretainhis/heroriginalclass.

An insured may request a change in option dates by written request at the time the insured has a significant has a significant life change. Significant life changes include marriage, birth or adoption of a child or children, purchase of ahome,changeinemploymentthatresultsinalossofGLTD,orsimilarlife


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eventsubjecttoHomeOfficeapproval.Thechangewillbeeffectiveonthenext monthly anniversary following the date we approve the request.

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FIO11 Specifications

issue Ages 18-55

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

Maximum pool size*

•IssueAge18-50=3x(base+SIR)toamaximumof$10,000•IssueAge51-55=50%x(base+SIR)toamaximumof

$10,000

Minimum fio pool

Minimum Initial Issue Amount $500

Maximum exercisable Amount**

•Age18-40=3Xbasebenefit•Age41-45=2Xbasebenefit•Age46-50=1Xbasebenefit•Age51-60=0.5xbasebenefit

Minimum exercisable Amount

$100

Availability •90daysbeforeeachoptiondateuptoinsured’s60th birthday•Optiondatemaybedifferentthanpolicyanniversary•Availableonstandardandsubstandardpolicies•IssueandParticipationlimitsareguaranteed(attime

of option the insured will receive the more favorable of the original I + P limits or the current I + P limits)

other •Premiumincreasesarecalculatedonanattainedage basis•FIOappliestothebasepolicy(totalandpartialbenefits),CostofLivingAdjustmentRider,OWNOCCRider,ShortTerm Riders, SIR, Partial and Extended Partial Riders •CATcannotbepurchasedthroughanFIOOption•Theriderwillterminateiflessthan$100remainsin

the FIO pool

* Maximum Pool Size applies to the enhanced FIO11 only. Please refer to 1-26 for the pre FIO11 guideline.

** Underwriting guidelines subject to change and apply to the enhanced FIO11 only. Please refer to 1-26 for the pre FIO11 underwriting guidelines. In MD, maximum exercisable amount will be the underwriting guidelines in place at time of rider purchase.

GSR – Group Supplement RiderThis rider provides additional return-to-work benefits enhancing the benefits aninsuredreceivesfromhis/hergroupLTDplanduringapartialdisabil-ity.TheGSRbenefitisadvantageousfortheinsured–itprovidesgreaterincome protection in a return-to-work scenario. It is also advantageous for theemployerbyprovidinganincentiveforhis/heremployeestoreturntowork sooner from a disability. There is an additional cost for this rider.


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GSR Specifications

issue Ages •18-60includesCOLA•18-55includesFIO•56-60doesnotincludeFIO

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods •60,90,180,365,730*days•Candifferfrombasepolicybutcannotbelessthan

the base policy

benefit periods To Age 65, To Age 67 (LTD Plan must have To Age 65)

other riders Extended Partial Rider required on base policy

Additional features/ information

•FIOandCOLARidersbuiltintoGSR•Availableonstandardandsubstandardpolicies•NotallowedonpolicieswithManagerialDuties

Endorsement – GSR B not allowed on policies with the OWN OCC

Rider – Benefit increased by ABI rider – Minimum $200 of GSR monthly benefit amount –HalfWrap–Max.monthlybenefitamount=

50% Net LTD Benefit –FullWrap–Max.monthlybenefitamount=

100% Net LTD Benefit Group ltd booklet must accompany application when considering full wrap

–GSRA&BWaitingPeriod=baseWPonLTDforfull wrap only

–GSRA&BWaitingPeriod=365or730**daysforhalf wrap only

* Not approved in AR, CT, ID, IA, KS, NJ, OK, PA, SC, VT, VA, WA and WV)**Where approved

coverage A (partial)TheinsuredwillbeconsideredPartiallyDisabledwhenhe/she:

• Issufferingacurrentdisability;

• Isworkingathis/herregularoccupation;

• Hasalossofincomeofatleast20%ofpre-disabilityincome;

• Canshowademonstrated relationship between the loss of income and the current disability;

• Isunderadoctor’scare.

If the insured is Partially Disabled, we will pay the monthly payment for this coverage if during the waiting period:

• Theinsuredhasbeenpartiallydisabledandhadalossofincomeofatleast20%ofpre-disabilityincome;or

• Theinsuredhasbeentotallydisabledforatleast30days.

During the first 12 months of disability, any monthly payment will equal 50%ofthemonthlybenefitforthiscoverage.

However,ifwereceiveproofoflossofincomeofmorethan50%ofpre-disability income, the insured may qualify for a larger benefit. The monthly benefit will be determined as follows:

Ifthelossofincomeisbetween50%and75%,themonthlypaymentwillbedetermined as follows:

Ifthelossexceeds75%,thenthemonthlybenefitwillbetheamountshownin the policy specification page.

Beginninginthe13thmonth,ifthelossofincomeisbetween20%and75%of pre-disability income, the monthly benefit will be determined as noted above.Ifthelossexceeds75%ofpre-disabilityincome,wewillpaythefullmonthly benefit.


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Coverage A Monthly Benefit XLoss of Income

Pre-Disability Income

coverage bTheinsuredwillbeconsideredpartiallydisabledundercoverageBifhe/she:


• Isworkingatanewoccupationforwhichhe/sheisreasonablysuited by education, training and experience;


• Canshowademonstratedrelationshipbetweenthelossofincomeand the current disability;

• Isunderadoctor’scare.

The monthly benefit is based on the insured’s loss of income, based on the following coverage:

features included in Gsrfuture insurability option (fio)–ThisbenefitisconditionallyavailablebasedonunderwritingandmaybeissuedaspartoftheGroupSupplementRideraslong as the issue age is less than 56. FIO allows the insured to apply during an option period for additional benefits. The insured must not be disabled.

cost of living Adjustment (colA)–ThisbenefitisconditionallyavailablebasedonunderwritingandmaybeissuedaspartoftheGroupSupplementRider up to and including issue age 60. Issue ages greater than 60 will not includeCOLA.Whiletheinsuredisdisabled,wewillmakeincreasestothemonthlybenefit.Nobenefitsaccrueduringthefirst12monthsthattheinsured is disabled or the full waiting period, whichever is greater. The increasetotheGSRwillbecomputedbymultiplyingtheGSRmonthlybenefitby5%.Afterevery12monthsofmonthlybenefitpayments,wewillincreasethemonthlybenefitpaymentagaincomputedat5%compounded.


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Coverage B Monthly Benefit XLoss of Income


HIV – HIV RiderThis rider provides monthly benefits should the insured test positive forHIV.Benefitswillbepaidwhethertheinsuredisworkingornot,whetherhe/sheissymptomaticornot,andregardlessofhowtheviruswascontracted.TheHIVriderisdesignedtoprovideatransitionalbenefitwhilea healthcare worker makes future career decisions. In order to be eligible fortheHIVrider,ahealthcareworkermusthavepatientcontact.Thereisanadditional cost for this rider.


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The maximum monthly benefit amount available for issue is equal to two timesthesumofthebasebenefit,theSIRandGSRuptoamaximumof$10,000permonth.Theminimumamountis$2,000permonth.TheHIVriderisonlyavailableiftwotimesthebasebenefitplusSIRplusGSRequals$2,000 or more.

TheHIVriderisavailableforallclasseswithamaximumbenefitperiodof24 months. There is no waiting period and no doctor’s care requirement.

BenefitsarepayableassoonastheinsuredtestspositiveforHIVinlaborato-ries chosen by MassMutual and under the supervision of doctors chosen by MassMutual. This is a 10-year benefit and must be renewed on the policy’s 10th anniversary.

HIV Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting period None

benefit period 2 years only

benefit Amount •2x(base+SIR+GSR)•$10,000/MonthMaximum•$2,000/MonthMinimum

other •ABIdoesnotincreaseriderbenefit•NotavailableinGA,IN,ME,MI,MN,NC,NH,NJ,NY,

ND, OR, PA, VA, WA or WI


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Own OCC – Own-Occupation Rider ThisOwn-OccupationriderprovidesaMonthlyBenefitwhentheInsuredistotally disabled and is working in another occupation. There is an additional cost for this rider.

*Not available in AR, CT, ID, IA, KS, NJ, OK, PA, SC, VT, VA, WA, WV

Own OCC Specifications

issue Ages •18-60

occupation classes

5A, 5P, 4A, 4P, 3A and 3P

waiting periods •60,90,180,365or730*days•Mustbesameasthebasepolicy

benefit period •2years,5years,10yearsandToAge65,ToAge67•Mustbethesameasbasepolicy•IfCOLAexistsonthepolicy,theOWNOCCRiderBP

must be 10 years, To Age 65 and To Age 67

benefit Amount •Equalsthebasecoverage+SIR•IncreasedthroughFIOandABI

other •Availableonstandardandsubstandardpolicies•NotavailablewithGSRB,GSRXandGSRY,STRand

the Managerial Duties Endorsement

definition of total disability The occurrence of a condition caused by a Sickness or Injury in which the Insured:

• cannotperformthemaindutiesofhis/herOccupation;

• isworkinginanotheroccupation;

• mustbeunderaDoctor’sCare;and• theDisabilitymustbeginwhilethisRiderisInForce.

Modification to the partial disability benefit provision if the extended partial disability benefits rider is in force

ThefollowingisaddedtothePartialDisabilityBenefitsprovisionoftheExtendedPartialDisabilityBenefitsRider,ifInForce:

MonthlyBenefitpaymentsunderthisOwnOccupationRiderwillbeinlieuofanyMonthlyBenefitundertheExtendedPartialDisabilityBenefitsRiderequaltotheMonthlyBenefitforthisOwnOccupationRidershowninthePolicySpecifications.WewillevaluateeligibilityforMonthlyBenefitsundertheExtendedPartialDisabilityBenefitsRiderfortheamount,ifany,thatexceedstheMonthlyBenefitofthisOwnOccupationRider.

cost of living riderTheMonthlyBenefitunderthisRiderwillbeincludedwhendeterminingtheincreasetotheMonthlyBenefitfromtheCostofLivingRiderif:

• theCostofLivingRiderisInForceonYourPolicy;

• theInsuredmeetsalloftherequirementsoftheCostofLiving Rider; and

• theInsuredfulfillstheeligibilityrequirementstoreceiveMonthly BenefitsfromtheOwn-OccupationRider.

Following a period of Disability during which monthly increases were paid, YouwillhavetheopportunitytopurchaseadditionalMonthlyBenefitsforthisOwn-OccupationRiderinaccordancewiththeCostofLivingRider,ifInForce.ThemaximumadditionalMonthlyBenefitavailableforthisRiderwill be computed by multiplying the:

• accruedpercentageonwhichthelastCostofLivingMonthlyBenefitincreasewasbased;and

• Own-OccupationMonthlyBenefitshowninthePolicy Specifications.

contract changesTheOWNOCCRidermaybeaddedtoexistingradius® 98, radius® 01, and radius® 04, once radius® 07 is approved for sale in the state. OWNOCCwillbeaddedusingcurrentratesatthetimeofapplicationandwill be fully-underwritten.


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Partial – Partial Disability Benefits Rider This rider provides a disability benefit if the insured, while still disabled, is abletoreturntoworkathis/herregularoccupationbutinareducedcapacity.There is an additional cost for this rider.


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*Not available in AR, CT, ID, IA, KS, NJ, OK, PA, SC, VT, WA and WV

Partial Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods •60,90,180,365and730*days•Mustbesameasthebasepolicy

benefit period 6 months

benefit Amount •50%of(base+SIR)$250min.•IncreasedbyFIOandABI•Availableonstandardandsubstandardpolicies

other •CannothaveExtendedPartialRiderandPartialonsame policy•AvailablewithManagerialDutiesEndorsement

Theinsuredispartiallydisabledwhenhe/sheisbacktoworkinhis/heroccupation, but due to a current disability requiring a doctor’s care, can do some,butnotallthemaindutiesofhis/heroccupation,orcanworkathis/heroccupation no more than half of the hours worked before becoming disabled.

In order for partial disability benefits to be paid, the insured must be disabled throughout the full waiting period. In addition, the insured must be totally disabled for 30 days during the waiting period.

Monthly payments will be paid following the waiting period. The maximum benefit period under this partial disability rider is six months. The monthly payment will equal the partial disability benefit.

RGR – RetireGuard® RiderRetireGuard®canhelpreplaceupto100%oftheretirementplancontribu-tions(includingboththeemployee’sandemployer’scontributions)thatwouldhavebeenmadetoaclient’seligibledefinedcontributionplanifhe/she had not become disabled. It is not a retirement plan, nor a substitute for one. There is an additional cost for this rider.


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RGR Specifications

issue Ages 18-60 Individual

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 180 day and 365 days

benefit periods 10 year, To Age 65, To Age 67

Maximum issue limits

Match IRS maximum defined contribution limits; see FieldNet for current limits

other •NotavailableinNJ•Availableonstandardandsubstandard•Wewillcover100% of employee and employer

contributions to the maximum on a non-taxable basis•Wewillcover133% of employee and employer

contributions to the maximum on a taxable basis•Minimum rider Amount: $100 (Must meet $500 of

Radius® minimum base benefit requirement. This can be all base, base plus SIR or base plus GSR).

WheninsuredwithRetireGuard,duringaperiodoftotaldisability,MassMutual will pay benefits into an irrevocable trust. The trust offers different investment options at the time of claim so that a client can select the optionthatbestmeetshis/herretirementgoals.Theproceedsofthetrustaredistributed in accordance with the terms of the trust which currently provides for the distribution of trust assets when the insured reaches age 65 or age 67(dependinguponthebenefitperiodchosen),thetrustassetsaredistrib-uted to the insured. Trust services are provided by The MassMutual Trust Company, fsb.

This rider is available under all basebenefitperiods(i.e.basebenefitperiodof 2 years, 5 years, 10 years, To Age 65 and To Age 67).

total disabilityThe definition of total disability will match that of the base contract.

optional electivesA) retireGuard® colA–3%:COLAmaybeelectedonthisrider.RetireGuard®-COLA3%willbeseparatelydefinedonthepolicyspecifica-tion page.

• issue Ages–18-60foralloccupationclasses

b) retireGuard® fio–FIOmaybeelectedonthisrider(RetireGuard®-FIO). Thepoolamountwouldequal2xtheRetireGuard® Rider amount not to exceed$7,500incombinationwithbaseRetireGuard® coverage, but will not be less than $500. Minimum exercisable option is $100. The FIO pool amount is separate and distinct from the Radius® base policy and can only be usedtoincreasetheRetireGuard® Rider amount when financially qualifying.

• issue Ages–18-55foralloccupationclasses• option period–Starting90dayspriortoeachOptionDate

• termination–Onthepolicyanniversarydatenextfollowingtheinsured’s60thbirthday(FIOwillnolongerbeincludedinthepremium from age 60 on.)

• premium impact–WouldimpactriderbaseandriderCOLA

• increased coverage–AppliestoriderbaseandriderCOLA

General informationThis rider is available at issue or after issue. If issued after the policy was issued,wewillprovidenewpolicyspecifications.WewillallowRG-COLAandRG-FIOtobeaddedafterissuewithfullunderwritingatattainedageand current series rates.

In most cases, annual investment earnings on the disability benefits paid to the trust will be taxable to the insured. Also, if benefit payments are taxable (becausethepremiumisemployer-paid),thentheinsuredwillberequiredto pay taxes on monthly benefits paid into the trust. Upon written request of the insured, MassMutual will withhold federal taxes on the benefit payments. Trust assets may be tax-deferred depending on the investment option(s) selected.


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Benefitpaymentsare not paid to an employer-established retirement plan. At time of claim when benefits become payable, the insured decides how these disability benefits will be invested. A broad list of investment options includes: securitieslistedontheNewYorkStockExchange;NASDAQStockExchange;theWallStreetJournallistedmutualfunds;aswellasanydeferredannuitythatholdsaminimumAratingwithAMBestandtwoadditionalsecureratings.

eligible plans include• DefinedContributionPensionPlans

– 401(k)Plans

– Profit-SharingPlans

– KeoghPlans

– StockBonusPlans

• EmployeeStock-OwnershipPlans(ESOPs)

• IndividualRetirementAccounts(IRAs)

• SimplifiedEmployeePensions(SEPs)

• Tax-ShelteredAnnuityArrangements/403(b)Plansand

• CertainNon-QualifiedDeferredCompensationArrangements

insuring income Via retireGuard® rider Versus radius® (base)• ForRetireGuard®RiderthetotalofemployeePLUSemployer

contributions can be insured

• IncomewillnotbereducedinordertoqualifyfortheRetireGuard® Rider, up to the IRS maximum defined contribution limit for 401(k)and403(b)plans.

example

42-year old, 5A occupation class in ri• Attorneyisabusinessownerwhoearns$400,000peryear

including a $40,000 retirement contribution made by the business

• Client’sin-forcecoveragetotals$15,000/mo.(disc.Groupof$7,500+$7,500IDI)

At$400,000[$400,000-$24,500($40,000-$15,500theIRSmaximumdefinedcontributionlimitfor401(k)and403(b)plans)]the client would qualify for our maximum coverage, based on income, therefore, with $15,000 of in-force coverage, client is not overinsured. Total annual retirement contributions are $40,000. This wouldallowtheclienttobeissuedaRetireGuard® Rider of $3,333.


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overinsuranceTheRetireGuard® Rider will not be offered to those clients who are currently overinsuredbasedonincome.Wewill,however,issuetheRetireGuard® Rider to those clients who are over our maximum I & P limits, not to exceed $3,000.

example 1

3P(Dentist)earns$150,000 and has $8,000 of MassMutual in-force individual disability insurance coverage. The coverage is not in participation with group or any other individual carrier and is non-taxable. Since the client is overinsured based on our table limits($6,900)he/shewillnotqualifyforRetireGuard®.

example 2

3P(Dentist)earns$500,000 and has $15,500 of MassMutual in-force individual disability insurance coverage. The coverage is not in participation with group or any other individual carrier and is non-taxable. Since the client is not overinsured based on our table limitshe/shewillqualifyforRetireGuard®. The maximum we can offer(includingFIO)is$2,500.ThisisthemaximumI&Plimit+$3,000lessin-forcecoverageor($15,500+$3,000)–$15,500.

Ability to Add retireGuard rider to in-force business• ThisriderisavailableatissueorafterissueonRadius® 12, Radius® 10,

Radius® 07, Radius® 04, and Radius®01.IftheRetireGuard® Rider is approved in your state, it may also be added to in-force Radius® 98 policies.

• Inallinstances,premiumswillbebaseduponattainedageandcurrent rates.


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SIR – Social Insurance Rider The Social Insurance Rider provides monthly income benefits during disability without duplicating benefits provided by Social Security, State Cash Sickness or Workers’ Compensation.

TheSIRisavailableatissueand/orafterissue,subjecttomedicalandfinancial underwriting for attachment to the Radius® policy. There is an additional cost for this rider.


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* Not available in AR, CT, ID, IA, KS, NJ, OK, PA, SC, VT, VA, WA and WV

SIR Specifications

issue Ages 18-60

occupation classes

•5A,5P,4A,4P,3Aand3P•2A,andA(requiredifthereisnoLTD)

Availability •Requiredfor2AandAoccupationclassesinStateCash Sickness States HI, NJ, NY, RI and Puerto Rico•Requiredfor5A,5P,4A,4Pand3A,3Poccupation

classes with a waiting period less than 90 days in State Cash Sickness states HI, NJ, NY, RI and Puerto Rico•Optionalfor5A,5P,4A,4Pand3A,3Poccupation

classes with a waiting period of 90 days or greater in State Cash Sickness states HI, NJ, NY, RI and Puerto Rico•NotavailablewhenparticipatingwithLTDplanswith

Social Insurance offset•Availableonstandardandsubstandardpolicies•SIRisusedincalculationofEPR•SIRbenefitsincreasedbyCOLA•UsedtocalculateABIandFIOamount

benefit Amount •MinimumBenefit$200•MaximumBenefit$1,350

waiting periods •60,90,180,365,730*days•Mustbesameasbasepolicy

benefit periods 2 Years, 5 years, 10 years, To Age 65 and to Age 67 (same as base policy)

ExceptinNY&NJ,riderbenefitsarereducedbytheactualamountofbenefitspayable(evenifnotreceived)fromthefollowingprograms(dollar-for-dollar offset):

social security disability benefits for the insured–ThisistheSocial Security program that provides income payments for the insured’s disability, excluding any family disability benefits.

social security family disability benefits–ThisistheSocialSecurity program that provides disability income payments to any person because of that person’s relationship to the disabled insured.

workers’ (or workmen’s) compensation disability benefits–Thisis any workers’ compensation law or plan, either federal or state, thatprovidespaymentsfortheInsured’sdisability.Lumpsumworkers’ compensation payments are considered as covering a specific period. That period is determined by taking the award and dividing it by the weekly benefit amount.

compulsory disability benefits (state cash sickness)–Thisisanystate law requiring a plan of accident or sickness weekly disability benefits, other than workers’ compensation, for a disabled insured.

compulsory disability benefits (Government retirement system) (all states except ny)–Thisisanyretirementprogram,sponsoredby a governmental unit, that pays benefits to a disabled insured. If such disability payments cause a reduction in the amount payable at normal retirement, there is no SIR offset.

BeforeanySIRpaymentscanbemade,wemustreceivesatisfactoryevidence as to any amounts payable under the above programs. Such evidence includes proof that an application for payments has been made, written authorization for us to receive information as to the status of the application, and proof that the application has been approved or disapproved. If disapproved, we require proof that the appeals process has been followed and approval or disapproval received.

At any time, we may require proof that the insured continues to be disabled andis(orisnot)receivingpaymentsfromSocialSecurityretirementoranyof the above programs.

Once benefits begin under one of the above programs, no benefit being paid under this rider will be adjusted due to a cost-of-living increase in that program.


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SIRisnotavailabletomembersoftheclergyoriftheinsuredhasLTDinsurance in place that includes a Social Security offset.

NewYorkandNewJerseywillnotbeadollar-for-dollaroffset.Foranymonth that benefits are payable to the insured under any other benefit programs,themonthlybenefitwillbe40%ofthebenefitshownonthespecification page. For any month in which benefits are payable to the insured from two or more other benefit programs, no monthly benefit will be paid under this rider.

Becausecoverageisnon-cancelable,ifaninsuredmovesinoroutofaStateCashSickstate,dropshis/herLTDcoverageorchangesoccupationfromanoccupation such as clergy, with no Social Security benefits, to an occupation with Social Security benefits, we cannot mandate any change to the policy.

TheSocialInsuranceRiderisparticipating(dividendsmaybepayable)(dividendsarenotguaranteed).


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STR – Short Term Disability Benefits RidersThe purpose of these riders is to provide disability benefits for a short period of time during the waiting period of employer-pay salary continuation plans, orLTDplanswith180-dayorlongerwaitingperiods.Thereisanadditionalcost for these riders.


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STR Specifications


occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods •60,90,and180days

benefit periods •STR1–To6months•STR2–To1year•Maynotoverlapbasepolicy

Minimum benefit Amount

$100 monthly

other •Upto2shorttermridersmaybeissued•Benefitperiodsmaynotoverlap•IncreasedbyABIandFIO•AvailablewithPartial,EPR,FIO,COLA,GSR,ABIand

SIR•Availableonstandardandsubstandardpolicies•ShortTermRider1notavailableinVT•ShortTermRider2notavailableinVA•NotallowedonpolicieswiththeOWNOCCRider

short term rider one• Availablewaitingperiods–60and90days

• Benefitspayableto180days

short term rider two• Availablewaitingperiod–180days



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Endorsement – Guaranteed Insurability Option ThisGuaranteedInsurabilityOption(GIO)providestherighttopurchasenewpermanentlifeinsurancewithoutProofofGoodHealthotherthanproofthe insured is not disabled.

specifications • TheGIOwillbeissuedwithaRadius12versionpolicyonly.

It cannot be added to in-force policies.

• Noadditionalcostforthisendorsement

• Issueages18–35

• Availabletoalloccupations

• Notavailablewithsubstandardratings

• Availabilityvariesbystate.PleaserefertotheDisabilityProductApprovalGridonFieldNet(DI7137).

benefit While this Policy is In Force and the Insured is living, new permanent life insurance may be purchased during each Option Period. This new life insurance may be either a new life policy or an increase in the Face Amount ofanexistinginforcelifepolicy(ifthatpolicyallowsforincreasesintheFace Amount). The Face Amount is the amount of insurance coverage the life policy provides while the life policy is in force.

If new life insurance is not purchased during an Option Period, the right to purchaselifeinsuranceduringthatOptionPeriodislost.However,therightto purchase new permanent life insurance during each later Option Period will not be affected.

option details

• $25,000faceamountperoptionperiod

• Cannotbedisabledattimeoptionisexercised

• Optionperiodsatattainedages:25,28,31,34,37,40,43and46

• EachRegularOptionPeriodbegins30daysbeforeaRegularOption Date; it ends 30 days after that Date

• ExercisedatStandardlifeinsuranceratesfornewpolicies

• Sameratesasexistingpermanentpolicyforincreasestoanexistinginforce life policy

• LifeInsurancewaiverofpremiumisnotavailablewhenusingGIOto purchase a new permanent life insurance.


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A Substitute Option Period may be used in place of a Regular Option period. A Substitute Option Period is the 91-day period beginning on the date any of the following events occurs:

• MarriageoftheInsured;

• BirthofachildoftheInsured;or

• LegaladoptionofachildbytheInsured.

A Substitute Option Period begins only if the event occurs while this Policy is In Force and there is a right to purchase new life insurance during the next Regular Option Period. If new life insurance is purchased during a Substitute Option Period, then the right to purchase new life insurance again during the nextRegularOptionPeriodislost.However,therighttopurchasenewlifeinsurance during each later Regular Option Period will not be affected.

Endorsement – Long Term Care Purchase CreditWhilethispolicyisin-force,2%oftotal(cumulative)premiumpaidonaMassMutual disability income policy is used as a credit towards first-year MassMutualLTCipremium.Thecreditwillequal2%ofpremiumspaid,premiums waived and the policy fee.

This endorsement will be issued with Radius® 07, Radius® 10, Radius® 12 version policies only. It cannot be added to in-force policies.

specifications• TheLongTermCarePurchaseCreditEndorsementwillbe

included on all Radius® policies regardless of the issue age, waiting period, benefit period or occupation class

• Availableonstandardandsubstandard

• Allpremiumspaidqualifyforaccumulationtowardsacredit:premiumincrease/decrease(FIO/ABI–additionalpremiumfornew coverages) or any contract change which impacts premiums

• Available on individual, multi-life, and association business

• ThisendorsementisnotavailableinCT,FL,NDorTX

• Thecreditmayonlybeusedonce


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General informationAt any time while the policy is in-force or up to one year after the policy is no longer in-force, the credit can be applied to the first-year premium due topurchasealongtermcarepolicyissuedbyMassMutual–ithasnoothercash value. Any credit in excess of the annual first year premium due under the long term care policy will have no further value and will be forfeited.

The credit can be used to purchase a long term care policy for the insured or a member of the insured’s immediate family, which is defined as the insured’s spouse, as determined by state law, children, parents, and spouse’s parents.Beforethecreditcanbeappliedtothefirst-yearpremiumofthelong term care policy, the individual who is to be insured under that policy must qualify under MassMutual’s long term care insurability standards.

Theinsureddoesnotneedtocancelhis/herDIpolicyinordertobuyalongtermcarepolicy.Bothpoliciescanbemaintainedin-force.

The insured may use the credits from multiple policies to purchase a long-term care policy.

underwriting GuidelinesTheLTCpolicywillbefully-underwrittenbytheLTCunderwritingdepartment.


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Graded premium Gradedpremiumisanalternativepremiumstructureunderwhichtheinitialpremiums are significantly less than a level premium structure in the earlier years of the policy. These premiums gradually increase annually until they become level at age 50 for the duration of the policy.

specifications

• Radius®12andRetireGuard12®(standalone).Notavailablewithin-force policies.

• IssueAges:18-35

• Availabletoalloccupations

• Availablewithallriders

• Availableonstandardandsubstandardpolicies

• Availabilityvariesbystate.PleaserefertotheDisabilityProductApprovalGridonFieldNet(DI7137).

• Premiums:

– Increase annually on the policy anniversary

– Levelizeatage50

– Gradedpremiumratesareguaranteed

• Conversiontolevelpremiumisavailableuptoage40;atattainedrates using the original rate series in effect at the time the graded premium policy was issued.


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See pages 5-164 and 5-165 for additional information regarding billing.

Modal Factors

type factor fee

list bill

Annual List Bill 100.00% $ 50.00

Semi-Annual List Bill 52.00 $ 25.25

Monthly List Bill 8.65 $ 4.30

13 Pay List Bill 8.00 $ 4.00

24 Pay List Bill 4.33 $ 2.30

26 Pay List Bill 4.00 $ 2.20

direct bill

Annual Direct Bill 100.00 $ 50.00

Semi-Annual Direct Bill 52.00 $ 25.25

pAc

Quarterly PAC 26.00 $ 7.50

Monthly PAC 8.65 $ 2.50


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Florida Modal Factors

type factor fee

list bill




13 Pay List Bill 8.10 $ 4.05

24 Pay List Bill 4.40 $ 2.20

26 Pay List Bill 4.05 $ 2.03

direct bill



pAc




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Mississippi Modal Factors for Radius and MaxElect

type % Annual premium fee

list bill

Annual List Bill 100.00 $6.00

Semi-Annual List Bill 52.00 $3.00

Quarterly List Bill 26.00 $1.50

10 pay List Bill 10.50 $0.60

Monthly List Bill 8.65 $0.50

13 pay List Bill 8.00 $0.46




direct bill

Annual Direct Bill 100.00 $6.00

Semi-Annual Direct Bill 52.00 $3.00

Quarterly Direct Bill 27.00 $1.50

Monthly Direct Bill 9.10 $0.50

pAc

Quarterly PAC 26.00 $1.50

Monthly PAC 8.80 $0.50

individual bill

Annual Individual List Bill 100.00 $6.00

Semi-Annual Individual List Bill 52.00 $3.00

Quarterly Individual List Bill 27.00 $1.50

Monthly Individual List Bill 8.80 $0.50


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5-48

5 pr

oduc

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orm

atio

n

Radi

us® 12

†

† No

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e in

Cal

iforn

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5-49

5 pr

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Radi

us® 12

†

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vaila

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.

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5-50

5 pr

oduc

t inf

orm

atio

n


radius transition select (formerly 61+) policy informationcontent provided is for reference purposes only. titles including “definition” are actual definitions from the contract; all other materials are not. please refer to the policy for the complete set of definitions and contract provisions.

RadiusTransitionSelect:• allowsyoutowritenewbusinessonindividualsaged65-70;

• isusedinmulti-lifesalesfornewbusinessonindividualsaged65-70; and

• isthecontracttowhichtheinsuredconvertspreviousRadius98’ and 01’ coverage to continue coverage after the individual, noncancelable contract expires at age 65.


5-51

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5-52

5 pr

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n

Radius Transition Select Specifications

issue Ages 65-70

occupation classes

Individual:5A,5P,4A,4P,3A,3Pand2AAssociation:5A,5P,4A,4P,3Aand3PMulti-Life:5A,5P,4A,4P,3A,3P,2A,andA

Availability •NewBusiness–notavailableon rated policies•Conversions–ratingorriderwillcarryovertothe

Age 65 Plus policy•NotavailableinFL,MN,NJandNY

Minimum policy size

•$500/mo.(In-forcepoliciesoflessthan$500/mo.willbe grandfathered)

premiums Conditionally renewable on an annual basis; Unisex rates

waiting periods NewBusiness:60,90,and180daysConvertedBusiness:60,90,and180days

benefit period •2yearsonly

discounts •10%3-9lives–alloccupationclasses•15%10+lives–alloccupationclasses•25%employer-sponsoredgroupsfor5A,5P,4A,4P,

3A and 3P occ classes. The criteria is 15+ lives in group, $25,000 premium and 75% participation of all eligible lives. 2A and A occupation classes not eligible for the 25% discount

Definition of Total DisabilityThe occurrence while the Policy is In-Force of a condition caused by a Sickness or Injury in which the Insured cannot perform the main duties of his/herOccupationandisnotworkingatanyotherOccupation.TheInsuredmust be under a Doctor’s Care.

Policy DescriptionIn order for disability income benefits to be paid, the insured must be totally disabledthroughoutthefullwaitingperiod.Nobenefitsaccrueduringthewaiting period. The waiting period and the maximum benefit period are shown in the policy specification. The benefit will not be larger if the insured is disabled from more than one cause, nor will the maximum benefit period be extended. We will continue to pay benefits while the insured is totally disabled up to the maximum benefit period.

Presumptive Total DisabilityWe will consider the insured to be disabled as long as the presumptive total disabilitycontinuesandtheinsuredisunderadoctor’scare.Benefitswillstart to accrue following the earlier of 90 days or the waiting period for total disability. We will pay the total disability income insurance monthly benefit for up to the maximum benefit period. If the loss is deemed by us to be total and uncorrectable, we will waive the required waiting period and the requirement of a doctor’s care.

Recurring DisabilityA recurring disability is a related disability that starts less than six months after a period of disability ends.

It is also an unrelated disability that starts less than 30 days after the insured returns to work full-time, at least 30 hours per week. The work must be consistentwithhis/hereducation,training,andexperience.Wewilltreattherecurring disability as a continuation of the prior one.

A recurring disability does not receive a new maximum benefit period. Periods of recurring disability will be accumulated under the same maximumbenefitperiod.Benefitswillbepaidonlyuptothebalanceoftheoriginal maximum benefit period.

If the waiting period has been satisfied, no new waiting period is required. If the waiting period has not been satisfied, periods of recurring disability will be accumulated to satisfy the waiting period.


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Waiver of PremiumAfter the insured has been disabled for 90 days, we will waive payment of premiums for as long as the insured remains disabled, but not beyond the maximum benefit period. We will also refund any premium paid during the 90-day period before the insured qualified for these benefits.

We will waive premiums for this policy based on the premium mode in effect when the insured becomes disabled.

What Is Not Coveredradius transition select does not cover:

• partialdisability

• benefitsprovidedbyrider;

– ifaconversion,allridersontheoriginalcontractare discontinued

• rehabilitationbenefits

• return-to-workbenefits

Renewal ProvisionThe Radius Transition Select may be conditionally renewed each year if:

• theinsuredisemployedatleast30hoursperweek

• theinsuredisnotdisabledorreceivingdisabilitybenefitsfromanyother source

Thepremiumsonthisnewcontract:• willincreaseeachyearonthepolicyanniversarydate

• ifsoldinthemulti-lifemarket,areeligibleformulti-lifediscounts

• arenotguaranteed


5-54

5 pr

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t inf

orm

atio

n


5-55

5 pr

oduc

t inf

orm

atio

n

Radi

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Sel

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5-56

5 pr

oduc

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Radi

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ts in

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5-57

5 pr

oduc

t inf

orm

atio

n

Radi

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nt’s

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inco

me

exce

eds 1

5% o

f ear

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r Lim

ited

Liabi

lity C

ompa

nies

(LLC

) – re

ques

t bus

ines

s tax

retu

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led

with

IRS.

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equi

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5-58

5 pr

oduc

t inf

orm

atio

n

retireGuard® policy informationcontent provided is for reference purposes only. titles including “definition” are actual definitions from the contract; all other materials are not. please refer to the policy for the complete set of definitions and contract provisions.

RetireGuard®canhelpreplaceupto100%oftheretirementplancontributions(includingboththeemployee’sandemployer’scontributions) that would have been made to a client’s eligible defined contributionplanifhe/shehadnotbecomedisabled.Itisnotaretirementplan, nor a substitute for one.


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5-60

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RetireGuard® Specifications

issue Ages 18-60 Individual18-64 Multi-Life (GSI only)

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 180 and 365 days

benefit periods •10Year*,Toage65,Toage67*(*Radius® 01, 04, 07, 10 and 12)•Seepage5-163 for the Benefit Payout Schedule

premium •Ratesarelevelpremiumorgradedpremium

benefit Amount •Minimum$500/month•MaximumbasedoncurrentIRSDefinedContribution

Maximums – see FieldNet for current limits•ForcertainNon-QualifiedDeferredCompensationPlans(approvedbyunderwriter):50%uptoamaximum of $5,000 (after amounts from Qualified Plans are insured)•NotavailableinNJ•Availableonstandardandsubstandard•Wewillcover100% of employee and employer


contributions to the maximum on a taxable basis

riders Available 1)FIO–Non-taxableandtaxable: amountis$7,500–issueamount=FIOpoolavailable(not to exceed 2x base)

2) COLA

discounts See Radius or MaxElect Specifications for applicable discounts

WheninsuredwithRetireGuard,duringaperiodoftotaldisability,MassMutual will pay benefits into an irrevocable trust. The trust offers different investment options at the time of claim so that a client can select the optionthatbestmeetshis/herretirementgoals.Theproceedsofthetrustaredistributed in accordance with the terms of the trust which currently provides for the distribution of trust assets when the insured reaches age 65 or age

67(dependinguponthebenefitperiodchosen),thetrustassetsaredistrib-uted to the insured. Trust services are provided by The MassMutual Trust Company, fsb.

In most cases, annual investment earnings on disability benefits to the trust willbetaxabletotheinsured.Also,ifbenefitpaymentsaretaxable(becausethe premium is employer-paid), then the insured will be required to pay taxes on monthly benefits paid into the trust. Upon written request of the insured, MassMutual will withhold federal taxes on the benefit payments. Trust assetsmaybetax-deferreddependingontheinvestmentoption(s)selected.

Benefitpaymentsare not paid to an employer-established retirement plan. At time of claim when benefits become payable, the insured decides how these disability benefits will be invested. A broad list of investment options includes:securitieslistedontheNewYorkStockExchange;NASDAQStockExchange;andtheWallStreetJournallistedmutualfunds;andanydeferredannuitythatholdsaminimumAratingwithAMBestandtwoadditionalsecure ratings.

eligible retirement plans• DefinedContributionPensionPlans

– 401(k)Plans


– KeoghPlans

– StockBonusPlans




• Tax-ShelteredAnnuityArrangements/403(b)Plans(non-STRSplans)

• CertainNon-QualifiedDeferredCompensationArrangements(evaluatedandissuedonacase-by-casebasis)

plans not eligible• DefinedBenefitPlans

• DeferredStockOptions

• FERS(FederalEmployeeRetirementSystems)

• PERS(PublicEmployeesRetirementSystems)

• STRS(StateTeachersRetirementSystems)

• AnyRetirementPlanwithWaiverofPremium


5-61

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Underwriting/Application Rules

overinsuranceRetireGuard® will not be offered to those clients who are currently overin-suredbasedonincome.Wewill,however,issueRetireGuard® to those clients who are over our maximum I & P limits, not to exceed $3,000.

example 1

3P Dentist earns $150,000 and has $8,000 of MassMutual in-force individual disability insurance coverage. The coverage is not in participationwithGroupLTDoranyotherindividualcarrierandis non-taxable. Since the client is overinsured based on our table limits($6,900)he/shewillnotqualifyforRetireGuard®.

example 2

3P Dentist earns $500,000 and has $15,500 of MassMutual in-force individual disability insurance coverage. The coverage is not in participationwithGroupLTDoranyotherindividualcarrierandisnon-taxable. Since the client is not overinsured based on our table limitshe/shewillqualifyforRetireGuard®. The maximum we can offer(includingFIO)is$2,500.ThisisthemaximumI&Plimit+$3,000lessin-forcecoverageor($15,000+$3,000)–$15,500.

what amount can be insured via retireGuard® and how does that impact income insured for individual disability coverage?

• ThetotalofemployeecontributionsPLUSemployercontributionscan be insured

• IncomewillnotbereducedinordertoqualifyfortheRetireGuard®, up to the IRS maximum defined contribution limit for401(k)and403(b)plans.

example

• Client’sW-2is$150,000witha401(k)deferralof$13,000

• Theemployermatchis$6,000

• Clienthasanin-forceRadius® policy

• DIinsurableincomeis$150,000,wewouldneedtovalidatethatthein-force coverage does not exceed current I&P limits at $150,000

Ifclientisnotoverinsured,RetireGuard® is available

• RetireGuard®insurableincomeis$19,000($13,000+$6,000)or$1,583/mo.


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Application/underwriting Recipient of benefits should be completed as follows:

MassMutual trust co., fsb, trustee 100 bright Meadow blvd. enfield, ct 06082

Optional RidersRider attachment is subject to company rules and regulations in effect when applicationismade.ThefollowingridersareavailableforRetireGuard®:

• COLA–CostofLivingAdjustment

• FIO–FutureInsurabilityOption

colA – 3%COLAmaybeelectedonthispolicy.

• issue Ages–18-60foralloccupationclasses(Radius®)

• issue Ages–18-64forMulti-LifeGSI(MaxElect®)

fioThepoolamountwouldequal2xtheRetireGuard® benefit amount, not to exceed$7,500incombinationwithbaseRetireGuard® coverage, but will not be less than $500. Minimum exercisable option is $100.


• termination–Onthepolicyanniversarydatenextfollowingtheinsured’s60thbirthday.(FIOwillnolongerbeincludedinthepremium from age 60 on)

General informationThese riders are available at issue or after issue. If issued after the Retire-Guard® policy was issued, we will provide new policy specifications. We willallowCOLAandFIOtobeaddedafterissue,withfullunderwritingatattained age and current series rates.

Endorsement – Long Term Care Purchase CreditWhilethispolicyisin-force,2%oftotal(cumulative)premiumpaidonaMassMutual disability income policy is used as a credit towards first-year MassMutualLTCipremium.Thecreditwillequal2%ofpremiumspaid,premiums waived and the policy fee.


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ThisendorsementwillbeissuedwithallRetireGuard® policies with 10 product rates. It cannot be added to in-force policies.


includedonallRetireGuard® policies regardless of the issue age, waiting period, benefit period or occupation class


• Allpremiumspaidqualifyforaccumulationtowardsacredit:premiumincrease/decrease(FIO/AIB–additionalpremiumfornew coverages), or any contract change which impacts premiums

• Availableonindividual,multi-lifeandassociationbusiness


• Thecreditmayonlybeusedonce

General informationAt any time while the policy is in-force or up to one year after the policy is no longer in-force, the credit can be applied to the first-year premium due topurchasealongtermcarepolicyissuedbyMassMutual–ithasnoothercash value. Any credit in excess of the annual first-year premium due under the long term care policy will have no further value and will be forfeited.


Theinsureddoesnotneedtocancelhis/herDIpolicyinordertobuyalongtermcarepolicy.Bothpoliciescanbemaintainedin-force.

The insured may use the credits from multiple policies to purchase a long term care policy.

underwriting GuidelinesTheLTCpolicywillbefully-underwrittenbytheLTCunderwritingdepartment.


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business overhead expense policy (boe-01)

Policy Informationcontent provided is for reference purposes only. titles including “defini-tion” are actual definitions from the contract; all other materials are not. please refer to the policy for the complete set of definitions and contract provisions. boe-01 is not available in california. please see the california reference Manual (di1075cA) for products available in california.

TheinformationinthissectiononlycoverstheBOE-01versions.Informa-tionpertainingtothestatesthathavenotbeenapprovedtousetheBOE-01canbefoundinthechapteronBOEandSBOEinthedi1075 399 or by contacting the Disability Income Division at 1-800-272-2216, extension 3.

The business overhead expense policy is designed for small-business owners actively engaged in their business on a full-time basis. The purpose of the policy is to reimburse business owners for overhead expenses while they are disabled in order to keep the business operating.


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Business Overhead Expense Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A (Insured must work a minimum of 30 hrs. per week, year-round, to be considered full-time)

waiting periods 30, 60 and 90 days

benefit periods 12, 18 and 24 months

Min. Annual income requirement

$16,000

Min. Monthly benefit

$1,000

discounts •5%first-yearcross-selldiscount(notavailableinNJ;will not be applied to the rated portion of a policy)•10%associationdiscountisavailable(notavailable

in MT)•15%Multi-LifeDiscount(for3ormorelives)•Onlyonediscountperpolicyisallowed

dividends Participating, paid at end of year 5, not guaranteed

rate structure •Noncancelable,levelpremiumstoage65•Conditionallyrenewablefrom65-75•Sexdistinctratesforindividual,associationand

multi-life (Female rates used for both sexes in Montana)•Ratesvarybyageandoccupationclass•Nicotinesurchargeof25%•PuertoRicosubjectto35%surcharge•Uponapproval,FLwillhave35%surcharge•Substandardratingmaybeapplied

AvailabilityGenerally,BusinessOverheadExpenseisissuedtogroupswithfiveorfewerownersandbusinesseswitheightemployeesorless*.Coverageisnotusually available to an individual whose business is located in the home.

* We will consider, on a case by case basis, businesses with up to 10 owners with at least a 10% interest in the business; contact your underwriter for details

The owner’s share of income or loss plus salary must be at least $16,000 in order to qualify. Therefore, individuals who have recently joined an existing business may qualify; however, those starting a business may not. As with our other products, we are concerned with overinsurance. Accordingly, clients who have disability income coverage in-force and are currently overinsuredbasedonincome,maynotqualifyforaBOEpolicy.Pleasecontact your underwriter for details.

Businessoverheadexpenseisdesignedtoreimbursetheoverheadexpensesof self-employed professionals and select business owners with less than 10%manualduties.AManagerialDutiesEndorsementmaybeaddedtoeachcontractwhentheinsuredperformsmanualdutiesmorethan10%,butlessthan25%ofthetime,whileperforminghis/herregularoccupation.Anindividualwhoperformsmanualdutiesmorethan25%ofthetimeisnoteligible.


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BOE Definitions of Total Disability

state total disabilityGeneric The occurrence, while this Policy is In-Force, of a condition

caused by Sickness or Injury, in which the Insured:

Cannot perform the main duties of his/her Occupation; and

Is under a Doctor’s Care. We will waive this requirement if We receive written proof acceptable to Us that further Doctor’s Care is no longer of benefit to the Insured.

illinois The occurrence, while this Policy is In-Force, of a condition caused by a Sickness or Injury, in which the Insured:




Maryland The occurrence, while this Policy is In-Force, of a condition caused by a Sickness or Injury, in which the Insured:

Cannot perform each and every one of the main duties of his/her Occupation; and


The Disability must begin while this Policy is In-Force.

Missouri The occurrence, while this Policy is In-Force, of a condition caused by a Sickness or Injury, in which the Insured:

Cannot perform the material and substantial duties of his/her Occupation; and


new Jersey The Insured is Totally Disabled if, due to Injury or Sickness, he/she:




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BOE Definitions of Total Disability (continued)

state total disabilitysouth dakota The occurrence, while this Policy is In-Force, of a condition

caused by a Sickness or Injury, in which the Insured:

Cannot perform the material and substantial duties of his/her regular Occupation; and


Policy DescriptionrenewabilityThe policy is noncancelable and guaranteed continuable to the policy anniversary after the insured’s 65th birthday. Premiums are guaranteed to this same date.

definition of total disabilityThe occurrence, while this Policy is In Force, of a condition caused by a Sickness or Injury, in which the Insured:

• Cannotperformthemaindutiesofhis/herOccupationand• IsunderaDoctor’sCare.WewillwaivethisrequirementifWe

receive written proof acceptable to Us that further Doctor’s Care is no longer of benefit to the Insured

definition of presumptive total disabilityThe Insured is considered to have a Presumptive Total Disability even if he or she is able to work, if certain conditions exist. These conditions are any of those listed below that begin while this Policy is In Force:

• Completeanduncorrectablelossofsightinbotheyes

• Completeanduncorrectablelossoftheuseofbothhands,or both feet, or one hand and one foot

• Completeanduncorrectablelossofspeech

• Completeanduncorrectablelossofhearinginbothears

Disability Benefitstotal disability benefitBenefitsbegintoaccrueafterthewaitingperiodshowninthepolicyspecifi-cations. The first monthly benefit will be paid one month after the waiting period ends and proof of business overhead expenses paid is submitted. Each month benefits will be paid equal to the business expenses incurred; however, the maximum monthly amount reimbursed will not exceed the monthly benefit shown in the policy specifications.

Maximum benefit AmountThe monthly benefit for total disability times the number of months in the benefit period equals the maximum benefit amount. Under the accumula-tion benefit provision, benefits will continue to be paid until the maximum benefit amount has been reached, as long as the insured remains totally disabled and continues to have qualifying business overhead expenses.

Accumulation of benefitsWhen expenses for any month of total disability are less than the monthly benefit, the unused portion of benefit may be carried forward and used to reimburse expenses in a later month when the expenses exceed the monthly benefit. This may extend the benefit period.

business overhead expensesTheseareexpensesthattheinsuredwasresponsibleforinrunninghis/herbusiness before becoming disabled. These expenses include but are not limited to:

• Rent

• Heatandwater

• Electricity

• Costtoleaseequipment

• Laundry

• Interestpaymentsonthebusinesspremisesand/orequipmenttheinsured owns and uses in running the business, plus the greater of scheduled depreciation for federal tax purposes or scheduled principalpaymentsonthebusinesspremisesand/orequipmenttheinsured owns and uses in running the business. At the beginning of a period of disability, the insured must choose whether to claim depreciation or payment of principal or debt.


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• Employees’salariesandbenefits,includingfamilymembers,ifthey are employed by the business for a minimum of 12 months prior to the insured’s disability and serve an appropriate business function.

business overhead expenses do not include:• Costofgoodssold

• Additionstoinventory

• Purchasecostsoftools,instrumentsorwaresusedintheinsured’sprofession or occupation

• Feesordrawingaccountsreceivedbytheinsured’sspouseormember of the insured’s family, if employed by the business for less than 12 months

• Anyexpensewhichtheinsureddidnothaveinrunningthebusiness prior to the disability

• Salaries,feesorothercompensationforanyrevenueproducingemployee with the same or similar occupation as the insured

exchange privilegePriortotheinsured’s60thbirthday,aBusinessOverheadExpensecontractmay be exchanged for an individual disability income insurance policy. MassMutual will require up-to-date information on other disability income benefits in-force or applied for, and the insured’s earned and unearned income.Themonthlybenefitwillbethelesserof:30%ofthemonthlybenefitfortotaldisabilityundertheBusinessOverheadExpensecontract,or $3,000, or our published underwriting limits for the new policy plus theIncomeProtectionRider,ifincludedasariderontheBOEpolicy.Thenew policy will be issued with a 2-year benefit period, the same waiting period(unlessitis30days,thenthenewcontractwillhavea60-daywaitingperiod), the same exclusions for medical conditions, and the same risk classifications. The premium will be based on rates in effect when the policy is exchanged and will include the application for this policy.

waiver of premiumAfter the insured has been totally or partially disabled for the waiting period, MassMutual will waive premium payments for as long as the insured remains disabled. Any premium that falls due and was paid during the waiting period before the insured qualified for these benefits will be waived.


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continued

Premiums for the policy will be waived based on the premium mode in effect when the insured became disabled. If the insured suffers a recurrent disability, any premium that becomes due within the waiting period prior to that recurrence, will also be waived. Dividends, if payable, are paid in cash while premiums are being waived.

recurring disabilityRecurring disability refers to a period of disability that is due to the same condition or related condition as that of an earlier period of disability. If that period of disability recurs within six months of the prior disability, it will be consideredacontinuationofthepriorperiod(ifstatestatuteconflictswiththispolicy, the requirements will be changed to meet the requirements of such statute). A recurring disability is also an unrelated disability that begins less than 30 days after the insured returns to work full-time.

benefits to survivorsIf the insured dies prior to age 65, MassMutual will pay a benefit equal to 2x the monthly benefit for total disability if the policy is in-force and the insured’s ownership of the business has not been sold. The benefit will be paid to the insured’s business.

exclusions and limitationsThe policy excludes benefits from any disability caused by war or an act of war while the insured is in the military forces of any country at war or in any civilian non-combatant unit serving with those forces. The policy does not provide any benefit for any time period during which the insured is impris-oned. Also, this time period will not apply to the completion of the waiting period. This policy does not provide any benefits for any disability sustained while participating in an illegal activity, or for intentionally self-inflicted conditions. The policy does not provide any benefit for a condition caused or contributed to by normal pregnancy or childbirth.

coordination of benefitsIftheinsurediscoveredforBusinessOverheadExpensesunderotherdisability insurance policies with MassMutual or other insurers, any total disability benefit paid will be adjusted to reflect the total amount of coverage in-force.The“totalamountofcoverage”duringthemonthisthesumofthemonthly benefit under this policy and the maximum monthly amounts under all other policies in-force on the insured during the month. The amount of


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monthlybenefitpaidwillbetheactualBOEmonthlyexpensesmultipliedby the total monthly benefit on the specification page of the MassMutual policy, divided by the total of all coverage in-force.

Under no circumstances will the monthly benefit paid exceed the monthly benefit in the policy specifications.

TheNon-DuplicationofBenefitsEndorsementwillbeaddedin14stateswhere coordination of benefits is not permitted within the policy. These statesareCO,GA,IA,IL,MA,MD,MI,NH,NC,NJ,OK,PA,SC,andWA.ThefollowingparagraphisaddedtotheOtherExclusionsandLimita-tions section of the policy:

MassMutualwillnotprovidepaymentforBusinessOverheadExpensesthatare payable by another company that has a policy in-force at the time this policy is issued. MassMutual has the right to require proof of payment by the othercompany(s)todeterminetheextentofliabilityunderthispolicy.

right to continue coverage at Age 65This policy expires on the policy anniversary on or after the insured’s 65th birthday. Conversion may be made to a yearly renewable version of the business overhead expense insurance policy if the insured is not disabled on the policy’s expiration date and is working a minimum of 30 hours per week. The policy expires on the policy anniversary on or after the insured’s 75th birthday. The insured can apply for renewal through age 74. If renewed, a new specifications page will be delivered. At age 65, all optional benefits will be dropped from the policy, except the additional monthly benefit rider. The waiting period and benefit period will remain the same as prior to age 65.

right to suspend policyIftheinsuredentersfull-timeactivedutyinmilitaryservice(otherthanactive duty for training lasting 3 months or less), the owner may suspend the BOEpolicy.Writtenrequestforthesuspensionisrequired,andthepolicywill be suspended as of the date the company received the written request. A pro-rata part of any premium paid for a period beyond the date of suspen-sion will be refunded. During the suspension the policy will not be in-force, no premiums will be required and no dividends will be payable. After the insuredreturnsfromactiveduty,he/shehas90daystoreinstatethepolicywithout medical or financial underwriting.


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lapseIfanunpaidpremiumindefaultisnotpaid(orwaived)bytheendofthe31-day grace period, the policy will lapse without value as of the due date for that premium, and the insurance will terminate.

reinstatementThis policy may be reinstated within 12 months after the end of the grace period. All overdue premiums must be paid. We may require an application and proof of insurability. The terms of the policy will be the same as before the termination, except for terms added or excluded in connection with the reinstatement process. After 12 months, full underwriting will be required for consideration of a new policy. If the insured is over 60 and the policy has been lapsed for over one year, there is no option for a new policy.

claims processingNoticeofclaimmustbegiventotheHomeOfficebeforetheendof20daysafter the waiting period, or as soon afterward as it is reasonably possible to do so. Any delay in giving notice will not affect the right to any benefits for the six months before the date the notice was given. Proof of disability, appropri-ate medical care and business overhead expenses must be submitted.



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optional ridersRider attachment is subject to company rules and regulations in effect when applicationismade.ThefollowingridersareavailableforBOE-01:

• ABI–AutomaticBenefitIncreaseRider

• AMBR–AdditionalMonthlyBenefitRider

• FIO–FutureInsurabilityOptionRider

• IPR–IncomeProtectionRider

• PDR–PartialDisabilityRider

• PRER–ProfessionalReplacementExpenseRider

ABI – Automatic Benefit Increase RiderThis rider provides a supplemental benefit, which allows the automatic annual purchase of benefits for five years without medical or financial evidence of insurability. Evidence of insurability will be required to add this rider at a later date. There is no cost for this rider.


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ABI Specifications

issue Ages 18-55 (Increases through age 60)

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

increase Amount $50 or 3%, whichever is greater

other •Purchasesbase,AMBR,PDR,IPR and PRER•Availableonstandardandsubstandard•NotavailableinFLandPR

Unless requested otherwise, additional benefits are automatically purchased each year on the policy anniversary. The amount of additional benefit will bethegreaterof$50or3%ofthemonthlybenefitfortotaldisabilityonfully-underwrittencoverageincludingbaseandridersnotedabove(roundedto the nearest dollar). Coverage will not be increased while the insured

continued

has a pending or active disability claim. Upon recovery, the automatic benefit increases will resume and continue for the renewal period. There isnoadditionalchargeforABIintheyearofattachment.Premiumsforthe increases will be based on the insured’s attained age, using the level premiumrateinuseatthetimeoftheABIincrease.

ABIwillbeterminatediftwoconsecutiveincreasesaredeclined.

To renew this rider the insured must re-qualify financially, beginning 90 dayspriortoeachfifthpolicyanniversaryuptoage55.However,theinsuredmayreapplyforanewAutomaticBenefitIncreaseriderwithproofof insurability.

AMBR – Additional Monthly Benefit RiderThis rider provides an additional benefit with a waiting period identical to thebasebutwithadifferentbenefitperiod.AMBRcanbeusedtocoverspecial expenses with a shorter duration than other covered expenses insured under the base policy. It may also be added after issue with full underwriting or via FIO. There is an additional cost for this rider.


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AMBR Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 30 days, 60 days and 90 days (must be same as base)

benefit periods 12 and 18 months (must be less than base)

rates Same as base benefit

other •Availableonstandardandsubstandardbusiness•PartialDisabilityRiderwillapply,ifonbasecontract•ManagerialDutiesEndorsementavailable

FIO – Future Insurability Option RiderThis rider allows the policy owner to increase the amount of monthly BusinessOverheadExpensecoverageashis/herbusinessexpensesincrease.Atissue,a“pool”amountischosenwhichwillbeusedduringoptionperiodstopurchasenewBOEcoverage.Increasestocoverageusingthisriderrequire only financial underwriting. There is an additional cost for this rider.


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FIO Specifications

issue Ages 18-55

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

Minimum fio pool issue Amount

$500

Maximum fio pool issue Amount

•Throughage50,2x(base+AMBR)toamaximumof $5,000•Afterage50,50%x(base+AMBR)toamaximum

of $5,000


$100


•Throughage50:1xbase+AMBR•Afterage50:50%xbase+AMBR

other •Availableonstandardandsubstandardbusiness•Iflessthan$100leftinpool,riderwillterminate•FIOpoolamountcanbeincreased,subjectto

maximums and full underwriting during any option period prior to age 55. The entire pool must be depleted before considering. Premiums for the total increased pool will be at attained age rates, using the level premium rates in use at the time of the increase.

Applying for additional benefits requires up-to-date information on other business overhead expense benefits in-force or applied for, and the insured’s income, business expenses and occupation class. If the insured’s risk class is more favorable at the time of application for additional benefits than it was when the rider became effective, the more favorable risk class will be used foradditionalbenefits.However,iftheriskclassislessfavorableattimeofexecution, the original risk class will be maintained.

All waiting periods and benefit periods for any increases remain the same as on the initial coverage.

The option period begins 90 days before each option date, one per year, and ends on that option date. The option date is assumed to be the policy anniversary, but a specific date can be elected. Options may be exercised during each option period through the option period immediately before the insured’s 60th birthday.

When base coverage is increased through an FIO option, the benefits associ-ated with the Partial Disability Rider will increase accordingly. If requested bytheinsured,FIOcanalsopurchaseAMBR.


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IPR – Income Protection RiderThe IPR Rider provides income protection for the business owner in the event of total disability. This is a disability income benefit with a 90-day waiting period and a 24-month benefit period. There is an additional cost for this rider.

this rider is not available if the insured has any ltd or individual disability coverage in-force at time of application. The insured may apply for up to 60%ofhis/herincometoamaximumof$5,000.Therearenopartialdisabil-ity benefits available.


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IPR Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting period 90 days

benefit period 24 months

benefit Amount 60% of income up to maximum of $5,000, not included in BOE I & P limit

other •Availableonstandardandsubstandard•AvailablewithManagerialDutiesEndorsement•IncreasesthroughABI,upto$5,000•Financialdocumentationisrequiredforallcases

and amounts

PDR – Partial Disability RiderThis rider provides a disability benefit if the insured, while still disabled, is abletoreturntoworkathis/herregularoccupationbutinareducedcapacity.There is an additional cost for this rider.


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definition of partial disabilityTheInsuredisconsideredPartiallyDisabledifhe/she:

• IssufferingfromacurrentDisability;

• Isworkingathis/herregularOccupation;

• Candosome,butnotallofthemaindutiesofhis/herOccupationorcanworkathis/herOccupationnomorethan80%ofthehoursworked before becoming Disabled, and

• IsunderaDoctor’sCare.

partial disability benefitsIf the insured is partially disabled, MassMutual will pay an amount equal to theexcessofexpenses(includingcostofgoodssold)overgrossincomeofthe business, up to a maximum of the total monthly benefit.

PDR Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A and 3P are eligible

increases Through Future Insurability Option and Automatic Benefit Increase

other •Availableonstandardandsubstandardpolicies•NotavailablewiththeManagerialDuties

Endorsement•DoesnotapplytotheIncomeProtectionRiderand

Professional Replacement Expense Rider


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Example

An accountant has a policy with a total disability benefit of $8,000 per month. He/she is partially disabled during the months of June, July and August. The following is the schedule of income, expenses (including cost of goods sold) and partial disability benefit payable.

June July August

Receipts 5,000 7,800 7,500

Expenses 11,000 7,750 8,500

Net Income (6,000) 50 (1,000)

Amount Payable

6,000 0 1,000

PRER – Professional Replacement Expense RiderThis rider will pay the salary of a person employed to perform the insured’s duties during a total disability. The professional replacement cannot be an immediate family member of the insured and must perform the related job functions of the insured. At the time of the insured’s disability, the professional replacement cannot be employed by the insured. There is an additional cost for this rider.


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PDR Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A and 3P are eligible (not available for 2A and A occupation classes)

waiting period Same as base

benefit period Less than or equal to base

benefit Amount Benefit cannot be more than 50% of the base monthly benefit and is included in the overall I & P class limits

other •Availableonstandardandsubstandard•WillbeincreasedthroughABI•AvailablewithManagerial

Duties Endorsement

endorsements

Managerial Duties EndorsementThe Managerial Duties Endorsement modifies the definition of total disability and partial disability, if the Partial Disability Rider is purchased. The endorse-ment permits MassMutual to offer occupation classifications to business owners that are more liberal than would be offered if covering the business owner’s manual duties. It may be issued on policies where the insured’s occupationcontainsmorethan10%,butlessthan25%manualduties.


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The definition of Total Disability will be replaced as follows:

definition of total disability–Theoccurrence,whilethisPolicy is In-Force, of a condition caused by a Sickness or Injury in which the Insured:

• CannotperformthemainManagerialDutiesofhis/herOccupation; and

• IsunderaDoctor’sCare.WewillwaivethisrequirementifWereceive written proof acceptable to Us that further Doctor’s Care is no longer of benefit to the Insured.

Managerial Duties Endorsement Specifications

issue Ages 18-60

occupation classes

3A, 2A and A

other •Availableonstandardandsubstandardpolicieswithall riders•NotavailableinNewJersey

starting professionalsThe following professionals in their final stages of training or in the first year of professional practice may be eligible for $10,000 issue limit based on anticipated expenses.

• Architects

• Attorneys

• CPAs

• Dentists

• Engineers

• Optometrists

• Physicians

• Veterinarians

Starting non-professionals are not eligible for special issue limits but are reviewed on an individual basis. Consult with your underwriter.

Underwriting Guidelinesbusiness Guidelines

• 5principalownersorless*

• 8employee/wageearnersorless

• Minimumof20%ownership*,andresponsibilityforincurredexpenses must exist


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Issue and Participation Limits*

occ class

Maximum issue and participation limits

5A, 5P, 4A, 4P, 3A, 3P

$30,000 w/24 mo BP

$40,000 w/18 mo BP

$50,000 w/12 mo BP

2A/A $10,000

* We will consider, on a case by case basis, businesses with up to 10 owners with at least 10% interest in the business.


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Modal Factors

type factor fee

list bill




direct bill



pAc



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Busi

ness

Ove

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Financial Requirementsspecial notes

• WhendeterminingfinancialriskforDIand/orBOE,includeallDI,LTDorBOE,in-forceandapplied-forsincethelastfull financial documentation was submitted for a MassMutual disability policy.

• FinancialdocumentationisnotrequiredforStartingProfessionalswhere in-force and applied-for coverage is within the starting practice limits.

• Totalissueandparticipationlimitsincludeallothercoverages,both individual and group.

* Limited Liability Company (LLC) members should submit business tax returns filed with the IRS.

Business Overhead Expense Coverage

Applied For and In-Force Coverage $20,000 and Over

business entity* submit the Most recent

sole proprietor Schedule C with all schedules and attachments

corporation shareholder

Form 1120 with all schedules and attachments

s-corporation shareholder

Form 1120S with all schedules and attachments

partner in a partnership

Form 1065 with all schedules and attachments



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buy-sell policy informationcontent provided is for reference purposes only. titles including “definition” are actual definitions from the contract; all other materials are not. please refer to the policy for the complete set of definitions and contract provisions.

DisabilityBuy-Sellisdesignedforsmall-businessownerstoprovidefundsfor the purchase of the insured’s share of ownership in the business in the eventthathe/sheistotallydisabled.Thepolicyisprimarilydesignedforpartnerships and professional corporations comprised of five or fewer principals.*Thepolicyownermaybethebusiness,atrust,oreachbusinessowner may own a policy on the other business owners. The existence of a formalBuy-Sellagreementis required.

* We will consider, on a case by case basis, businesses with up to 10 owners with at least a 10% interest in the business.


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Buy-Sell Specifications

issue Ages 18-60

occupation classes

5A, 5P, 4A, 4P, 3A, 3P and 2A

rates Sex Distinct, female rates in MT

waiting periods 12, 18 and 24 months

benefit periods •2,3and5years(Monthly-Pay)•Lump-Sum•CombinationofLump-SumandMonthly-Pay

policy size •Minimum–$100,000•Maximum–Upto$3,000,000basedonoccupation

class, funding method and waiting period

riders FIO

discounts •5%first-yearcross-selldiscount(notavailableinNJ)•15%multi-lifediscount(for2ormorelives)–25%in

FL (not available in NY)

Policy DescriptionrenewabilityTheBuy-Sellpolicyisconditionallyrenewableandhasguaranteedpremiumsto the policy anniversary on or following the insured’s 65th birthday by timely payment of premiums. Unless the policy is being reinstated after lapse, and the insured meets the conditionally renewable terms of the contract, MassMutual does not have the right to reduce or restrict any rights or benefits provided by this policy, increase premium, or extend the premium paying period.

The policy may be continued at guaranteed premium rates until the earliest of the following:

• Theinsured’s65thbirthday

• Thedatetheinsuredterminatesactivefull-timeemploymentforreasons other than total disability

• ThedatetheBuy-Sellagreementisended

• Thedateabenefitispaid

• Thedateonepersonownsmorethan90%ofthebusinessentity

ThepolicyownermustcertifytotheexistenceofaBuy-Sellagreementwithin one year of the policy issue, or the policy will be treated as if it were never issued and all premiums will be returned.

definition of total disabilityThe occurrence, while this Policy is In Force, of a condition caused by Sickness or Injury, in which the Insured:

• Cannotperformthemaindutiesofhis/herOccupation

• IsnotatworkfortheBusinessand

• IsunderaDoctor’sCare.WewillwaivethisrequirementifWereceive written proof acceptable to Us that further Doctor’s Care is no longer of benefit to the Insured


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Buy-Sell Policy Table of Total Disability Definitions

state total disabilityillinois The occurrence, while this Policy is In-Force, of a condition


Cannot perform the main duties of his/her Occupation;

Is not at work for the Business; and



Maryland The occurrence, while this Policy is In-Force, of a condition caused by a Sickness or Injury, in which the Insured:

Cannot perform each and every one of the main duties of his/her Occupation;



The Disability must begin while this Policy in In-Force.

Missouri The occurrence, while this Policy is In-Force, of a condition caused by a Sickness or Injury, in which the Insured:

Cannot perform the material and substantial duties of his/her Occupation;



new Jersey The Insured is Totally Disabled if, due to Injury or Sickness, he/she:

[for BSELL-00 (NJ), Cannot perform the main duties of BSELL-00 (NJ-10), his/her Occupation;

and Is not at work for the Business; and

BSELL-00 (NJ-15)] Is under a Doctor’s Care. We will waive this requirement if We receive written proof acceptable to Us that further Doctor’s Care is no longer of benefit to the Insured.


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Buy-Sell Policy Table of Total Disability Definitions (continued)

state total disabilitynorth carolina The occurrence, while this Policy is In-Force, of a condition


Cannot perform the main duties of his/her Occupation;


Is under a Doctor’s Care, unless the Insured has reached the maximum point of recovery. The Disability will continue when there is no doubt the Insured is Disabled but in the opinion of the Doctor, future or continued treatment would be of no benefit.

south dakota The occurrence, while this Policy is In-Force, of a condition caused by a Sickness or Injury, in which the Insured:

Cannot perform the material and substantial duties of his/her regular Occupation;



tennessee The occurrence, while this Policy is In-Force, of a condition caused by a Sickness or Injury, in which the Insured:

Cannot perform each and every one of the main duties of his/her Occupation;

Is not at work for the Business. This does not include necessary duties which may be performed on a limited basis of less than 10 hours per week; and


definition of Maximum benefit Amount TheMaximumBenefitAmountisthetotalamountpayabletoYou.Thisamount is the lesser of:

• TheTotalBenefitAmountstatedinthePolicySpecificationsand• TheFairMarketValueand• ThePurchasePrice

payment of disability benefitsPolicy benefits are payable at end of the waiting period, or the date the Buy-Sellisexecuted,whicheverislater.Aftersatisfyingthewaitingperiod,the maximum benefit amount will be paid regardless of whether the insured recovers.However,iftheinsureddieswhilepaymentsarebeingmade,allpayments will cease and the policy will terminate. A death benefit, described on page 5-97, may also be paid.

The total benefit amount decreases after age 60 according to the follow-ing schedule:

Age benefit limit

Under61 100%ofmaximum

61 80%ofmaximum

62 60%ofmaximum

63 40%ofmaximum

64 20%ofmaximum

waiver of premiumAfter the insured has been disabled for a total of 90 days, MassMutual will waive payment of premiums for as long as the insured remains disabled. We will also refund any premium that falls due and has been paid during the waiting period before the insured qualified for these benefits. Premiums for the policy will be waived based on the premium mode in effect when the insured became disabled. If the insured suffers a recurrent disability, any premiums due within the waiting period prior to that recurrence will also be waived. Dividends are paid in cash while premiums are being waived.

recurrent disabilityRecurrent disability refers to a period of disability that is due to the same condition or related condition as that causing an earlier period of disability. If that period of disability recurs within six months of the prior disability (subjecttostatestatutes)itwillbeconsideredacontinuationofthepriorperiod. A recurring disability is also an unrelated disability that begins less than 30 days after the insured returns to work full-time.


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death benefitFollowing the death of the insured, a benefit will be paid equal to two times the monthly benefit for total disability, as long as the owner is receiv-ing a monthly benefit and the insured died prior to age 65. If the benefit is lump-sum, this benefit is not applicable. If there is down-payment funding, the benefit will be applicable to the monthly benefit only. The death benefit will be paid to the owner of the policy.

exclusions and limitationsThe policy excludes benefits for any disability caused by war or an act of war while the insured is in the military forces of any country at war or in any civilian noncombatant unit serving with those forces. The policy does not provide any benefit for any time period during which the insured is impris-oned. In addition, this time period will not apply to the completion of the waiting period. The policy does not provide any benefits for intentionally self-inflicted conditions, or for any disability sustained while participating in an illegal activity.

coordination of benefitsIftheinsurediscoveredforBuy-Sellunderotherdisabilityincomeinsurance policies with MassMutual or other insurers, any total disability benefit paid under this policy will be adjusted to reflect the total amount of coveragein-force.The“totalamountofcoverage”isthemaximumbenefitamount under this policy, and under all other policies in-force on the insured atthetimeofownershiptransferandBuy-Sellagreementexecution.TheamountofbenefitpaidwillbetheactualBuy-Sellamount,multipliedbyafractionequaltothemaximumbenefitamountdividedbythe“totalamountofcoverage”.Thebenefitwillnotbegreaterthanthemaximumbenefitamount shown in the policy specifications.

special coordination of benefits wording (sc and il)AnewCoordinationofBenefitswordinghasbeencreatedinresponsetotherequirements of certain states. This would allow MassMutual to coordinate benefits on new coverage that was not in place at the time of application. Coordination and refund of any premiums that would be due to the insured will be paid at claim.


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non-duplication endorsementThis endorsement will be added for the states where coordination of benefits isnotpermittedwithinthepolicy(CO,GA,IA,IL,MA,MI,NC,NJ,OK,PA,SC,TN,andWA).ThefollowingparagraphisaddedtotheOtherExclusionsandLimitationssectionofthepolicy:

“We will not provide payment for any Lump-Sum Benefit and/or Monthly Benefit that is payable by another company whose policy is in effect at the time this Policy is issued and was not disclosed in the Application for this Policy. We have the right to require proof of eligibility of payment by the other company(s) to determine the extent of Our liability under this Policy.”

special underwriting rule for new york, new hampshire, and KansasWeareprohibitedfromincludingCoordinationofBenefitsor Non-DuplicationofBenefitslanguageinourBuy-SellpolicyinNY,NHandKansas.Accordingly,ifaninsuredhasexistingDIBuy-Sellcoveragein-force with another insurance carrier, we are unable to participate in offeringBuy-Sellinthesestates.

right to suspend policyIftheinsuredentersfull-timeactivedutyinmilitaryservice(otherthanactive duty for training lasting three months or less), the owner may suspend theBuy-Sellpolicy.Awrittenrequestforthesuspensionisrequired.Thepolicy will be suspended as of the date the company receives the written request. A pro-rata part of any premium paid for a period beyond the date of suspension will be refunded. During the suspension, the policy will not be in-force, no premiums will be required, and no dividends will be payable. After the insured returns from active duty, he or she has 90 days to reinstate the policy without medical or financial underwriting.

lapseIfanunpaidpremiumindefaultisnotpaid(orwaived)bytheendofthe31-day grace period, the policy will lapse without value as of the due date of that premium, and the insurance will terminate.

reinstatementReinstatement may require an application and proof of insurability. It will require payment of back premiums due, and will be reinstated on the 45th day following the date of receipt of back premiums due. The terms of the policy will


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be the same as before termination, except for terms added or excluded in connec-tion with the reinstatement process. After one year, full underwriting will be required for consideration of a new policy. This policy may not be reinstated if the insured has attained age 60.

claims processingNoticeofclaimmustbegiventotheHomeOfficebeforetheendof20daysafter a period of disability begins, or as soon afterwards as it is reasonably possible to do so. We will consider the commencement of the waiting period to be either six months prior to the date notice of claim is received, or the date disability begins, whichever date is more recent.


transferabilityAfter the policy has been in-force for two years, coverage may be transferred to a new business as long as the following conditions are met:

• Theinsuredendsactivefull-timeemploymentwiththebusiness entity

• Theinsuredisunderage50

• Theinsuredisnottotallydisabled

The transfer must be requested within 90 days after this policy ends. The amount of coverage to be approved will be based on the value of the insured’s share of the new business entity, but under no circumstances can it exceed the aggregate benefit payable under the existing contract. The policy cannot be transferred to a business we would not ordinarily issue. A new policy will be issued using attained age and current series rates.

professional fee reimbursementMassMutual will reimburse the owner for legal fees and accounting fees incurredforexecutionoftheBuy-Sellagreementforupto1%ofthemaximum benefit on the schedule page. This benefit is payable only in the event of a disability.


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FIO Specifications

issue Ages 18-49

occupation classes

5A, 5P, 4A, 4P, 3A, 3P and 2A

Minimum fio pool issue Amount

$200/month, $10,000 lump-sum

Maximum fio pool issue Amount

•Throughage44–50%xbasetoamaximumof$500,000 •Age45-49–25%xbasetoamaximumof$250,000


$200/month, $10,000 lump-sum


Up to the maximum issue limit in effect at time of exercise is 25 % x base

down payment funding

Total Benefit Available will be 50% or 25% (depending on age) of the Lump-Sum and Monthly Benefit amounts. There will be 2 separate pools – one for Lump-Sum and one for Monthly Benefits, and the percentage will be applied to each benefit amount. The available benefit amounts must meet the minimum exercisable issue amounts for both pools in order to be eligible for the FIO rider.

Availability •Standardandsubstandard•Forallfundingmethods

termination •Ifthereislessthan$200/month,$10,000lump-sumleftin the pool, the rider will terminate •Riderwillbeterminatedatage52andpremium

reduced appropriately

Ridersfio – future insurability optionThisriderallowsthepolicyownertoincreasetheamountofBuy-Sellcoverageasthevalueofhis/herbusinessincreases.Atissue,a“pool”amount is determined, which will be used during option periods to purchase newBuy-Sellcoverage.IncreasestocoverageusingtheFIOriderrequirefinancial underwriting only.

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underwriting rules – fioThe FIO pool amount can be increased, subject to maximums and full underwriting, during any option period prior to age 50 and the entire pool must be depleted before considering. When applying for additional benefits, current financial information and information on theBuy-Sell agreementwill be required.

If the insured’s risk class is more favorable at the time of application for additional benefits than it was when the rider became effective, we will use themorefavorableriskclassfortheadditionalbenefits.However,iftheinsured’s risk class is less favorable at the time of execution, the original issue risk class will be maintained.

Premiums for the total increased pool will be at attained age rates using the level premium rates in use at the time of the increase.

The option period to exercise the FIO begins 90 days before each option date and ends on that option date. Option dates occur every two years on the policy anniversary, and may be exercised through the option date that occurs on or immediately before the insured’s 52nd birthday.


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Type of Purchase & Tax Implicationsthe following information is to be used for general selling/marketing purposes only. Qualified tax or legal counsel should be consulted to address your client’s specific situation.

TwobasictypesofagreementscanbeusedinaBuy-Sellarrangement:

1. cross-purchase Agreement This agreement is between the individual partners or shareholders.

Each partner or shareholder will own a policy on each of the otherpartner(s)orshareholder(s)*.Ifoneoftheownersbecomesdisabled, each of the remaining owners will receive policy proceeds and then use them to purchase the disabled owner’s share of the business.

Thepolicyproceedsaretax-free.However,ataxabletransactiontothedisabledownerwilloccurwhentheremainingowner(s)purchase the disabled owner’s share. Since the ownership interest is a capital asset, a capital gain will likely result and will be equal to the excess of the purchase price over the disabled individual’s basis in the business.

* For more than two owners of a business, MassMutual requires a Trust be established (to pay the premiums and act as the policyholder/ beneficiary).

creation of a trust–ATrustmaybecreatedandusedasthevehicletopaytheBuy-Sellpremiums,aswellasreceiveanyproceeds. A Trust is typically used in Cross-Purchase Agreements to ease the administration process and reduce the number of policies that must be issued. Accordingly, it is required that in situations where more than two owners desire a Cross-Purchase Agreement, a Trust be created.

2. entity purchase Agreement This agreement is made between the partners or shareholders of

the business and the actual business entity. If one of the owners becomesdisabled,thebusinessentity(partnershiporcorporation)will receive the policy proceeds and then use them to purchase the disabled owner’s share of the business.


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Thebusinessreceivesthepolicyproceedstax-free.However,ataxabletransactionwilloccur(tothedisabledowner)whenthecorporation uses such funds to purchase the disabled owner’s interest in the business. Since the ownership interest is a capital asset, a capital gain will likely result and will be equal to the excess of the purchase price over the disabled individual’s basis in the business.

Further, if the business is organized as a C-Corporation, it may be subjecttoalternativeminimumtax(seeinstructionsforform4626, Alternative Minimum Tax - Corporations, or your tax advisor for details).

A Trust may also be used in an Entity Purchase Agreement, if desired.

other tax information premiums–Premiumspaidarenotdeductible.Thisistrue

regardless of who pays the premiums and the type of purchase agreementchosen.(IRCSection265)

benefits–Benefitsreceivedbythepolicyowner(s)aretax-free.(IRCSection104.)Pleasenote,however,thatbenefitspaidtoacorporationmaybesubjecttoAlternativeMinimumTax.(IRCSection 56)

basis–BusinessownerswhouseaCross-PurchaseAgreementwill receive a stepped-up basis in their individual cost basis of the business. Accordingly, a smaller capital gain will be recognized when their interest is sold.

If an Entity Purchase agreement is used, the remaining business owners do not receive the advantage of the stepped-up basis.


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General Underwriting GuidelinesInorderforaBuy-Sellpolicytobeissued,theinsured’sbusinessmustmeetthefollowingUnderwritingGuidelines:

• Minimumnumberofownersistwoandthemaximumisfive*

• Minimumpercentofownershipis20%*

• Singlepersonorsolebusinessownersarenoteligible

• Businesseswhichhavemorethanoneowner,butdesireBuy-Sellononlyoneowner,arenoteligible(ifotherownerisadecline,special consideration will be given)

• Alleligibleownersofthebusinessmustapplyforcoverageinthesame proportion as their business ownership

• Minimumnumberofyearsinthebusiness:

– Businessshouldbeinexistenceforatleastthreeyears

– Serviceprofessionalsjoiningexistingbusiness,e.g.,MD,Attorney–oneyear

• CloselyheldfamilybusinessesinvolvingsiblingsorcousinsareeligibleforBuy-Sell

• Husbandandwife,orparentandchildbusinessesnot considered

* We will consider, on a case by case basis, businesses with up to 10 owners with at least 10% interest in the business; for businesses with more than 10 owners and an existing agreement, please contact your underwritten for consideration.


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new starting professional limitsMedical,dental,andattorneyprofessionalsmayapplyfortheBuy-Sellamounts below. Starting professionals, with an ownership interest in the businessofatleast10%andabasesalaryamountthatcoverstheprofes-sional amount suggested, will receive consideration on a case-by-case basis. Additionally, the starting professional must be joining an existing firm with disabilityBuy-Sellin-forcewithoriginalowners.


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Starting Professional Limits

Attorneys, dentists and physicians insurable Value lump-sum 2-year 3-year 5-year

$250,000 $250,000 $10,416 $6,944 $4,167(after ownership adjustment)financial requirements: $75,000 annual salary documented by letter from business


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Disa

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5A/5

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5A/5

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$1,5

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rs$7

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$1

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rs$4

8,61

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rs$2

9,16

7 $2

0,83

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$1

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540

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$62,

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9,44

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1,67

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1,66

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Monthly benefit funding(Minimum based on benefit period)

BenefitPeriod MonthlyBenefit

2 years $4,167

3 years $2,778

5 years $1,667

How the Valuation & Calculation Process Works business ValuationPartoftheunderwriter’sroleinevaluatingtheBuy-Sellriskistodetermineif the amounts applied for are reasonable relative to the value of the business. ThisisthemostimportantprocessofunderwritingdisabilityBuy-Sellcoverage. The process of business valuation is based on the underwriter’s assessment of economic and financial conditions, industry and market data, andthefinancialconditionofthebusinessbeinginsured.TheBuy-Sellevaluation attempts to assess a reasonable value for the business in the event of a forced sale resulting from the disability of a principal in the business.

buy-sell calculation Methods To efficiently and accurately determine the benefit amount available of the prospectivebusiness,wehavestreamlinedourBuy-Sellcalculationsintotwobasic methods. Please contact your underwriter who will prepare the calcula-tions for you upon receipt of required financial information. The following will assist you in determining which method might be most appropriate for your client:

personal services • Accountants

• Actuaries

• Architects

• Attorneys/Engineers–Consultingonly

• InsuranceAgents

• OtherConsultants

professional services• AllMedicalProfessionals

• Dentists


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continued

non-service businesses• Retailers

• Wholesalers

• Manufacturers

personal and professional services–Concentratesonthebusiness’most valuable asset, which is considered to be the skills of its owners. Method for calculating the eligible benefit amount for these businesses relies mainly on performance of the individuals and their income.

non-service businesses–Concentratesonthosebusinessesthatmanufacturerand/orsellgoods,notservices.Methodforcalculatingthe eligible benefit amount for these businesses relies much more on the performance of the business over time, and much less on the incomes of its owners.

CalculationsMethod 1 – personal and professional services*Insurable Estimate

• owners’ Annual salaries plus• business profit/loss x 2• Thesumofthesalariesplusprofit/lossx 2 equals the business’

total insurable estimateexample

LawPracticewithtwoPrincipals.

Each has equal ownership in the business.

Owners’ Salaries $ 500,000

BusinessProfit $ 50,000

* May consider Net Book Value if provided


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*Round to nearest $5,000**Refer to overall Issue and Participation Chart

personal and professional services worksheet1. Owners’ Salaries $ 500,000

2.PlusBusinessProfit/Loss $ 50,000

3.Subtotal= $ 550,000

4. x 2

5.InsurableEstimate= $1,100,000


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Determining Buy-Sell Benefit Amounts

benefit period

insurable estimate*

X% of ownership

= individual indemnity**

Lump-Sum $ 1,100,000 50% $ 550,000

2 years $ 1,100,000 50% divided by 24 mos.

$ 22,917


$ 15,278


$ 9,167

IndividualIndemnityiswithinouroverallIssueandParticipationLimits.

Method 2 – non-service businessesCalculating Insurable Estimate

• 15% of the owners’ Annual salariesplusbusinessprofit/loss• MultiplythisbytheMultiple of earnings factor• Addtothisamountthenet book Value(minusGoodwill)to

determine insurable estimate


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Determining The Multiple of Earnings Factors

best (6-8) Good (4-6) Acceptable (2-4)type of business

5A/5P or 4A/4P professional or well established marketing, hi-tech firms

Consulting businesses, other service industry firms

Construction, automotive, restaurants, trucking

length of time in business

Over 6 years 4-6 years Less than 4 years

financial stability

Increasing profits and book value

Stable book value, no losses

Losses or financial reversals

Growth Over 10% 1-10% 0%

In order to determine what multiple is used, MassMutual will first review the business type. The type establishes the range for what multiple might be used. For example, if a restaurant is being evaluated, it is not likely that the multiple will exceed 4; on the other hand, marketing firms are generally more favorable and have the opportunity to receive the highest multiple.

Next,thelengthoftimeinbusinessisnotedwhich,inconjunctionwiththe accompanying financials, provides a historical perspective on how the business has fared. In reviewing the financials, the following is reviewed:

• Growth/declineinsales

• Growth/declineingrossprofit

• Growth/declineinavailableincome(i.e.,netincomeplus officer salaries)

Finally,theproducer’scoverletterandanyotherinformation(e.g.notestofinancial statements, company web site) that will help us to further evaluate insurable value is considered.

example

7-year-oldHi-TechFirmwith2principals.Eachhasequalownershipin the business.

Owners’ Salaries

• $250,000

BusinessProfit/Loss

• $100,000

NetBookValue

• $500,000


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Non-Service Business Worksheet

yeAr 1 (Most recent)Multiply Owners’ ($ 250,000 x .15) Annual Salaries by 15% $ 37,500

Business Profit/Loss $ 100,000

Adjusted Net Profit $ 137,500

Weight Factor x 100%

Weighted, Adjusted Net Profit – Year 1 $ 137,500

Multiply by Multiple of Earnings Factor (2 to 8) x8 = $ 1,100,000

Net Book Value $ 500,000

Net Worth/Insurable Estimate $ 1,600,000

*Round to nearest $5,000**Refer to overall Issue and Participation Chart


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Determining Buy-Sell Benefits

benefit period

insurable estimate*

X% of ownership

= individual indemnity**

Lump-Sum $ 1,600,000 50% $ 800,000


$ 33,333


$ 22,222


$ 13,333


Modal Factors

type factor fee

list bill




direct bill



pAc


IndividualIndemnityiswithinouroverallIssueandParticipationLimits.


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Florida Modal Factors for Buy-Sell

type % Annual premium policy fee

list bill


Semiannual List Bill 0.5200 $26.00


10 Pay List Bill 0.1060 $5.30


13 Pay List Bill 0.0810 $4.05

24 Pay List Bill 0.0440 $2.20

26 Pay List Bill 0.0405 $2.03

52 Pay List Bill 0.0204 $1.02

direct bill

Annual Direct 1.0000 $50.00

Semiannual Direct 0.5200 $26.00

Quarterly Direct 0.2650 $13.25

Monthly Direct 0.090 $4.50

pAc



individual bill


Semiannual Individual List Bill 0.5200 $26.00




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Buy-

Sell

1 Par

amed

& B

lood

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file/

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e re

quire

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Para

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rofil

e/Ur

ine


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Buy-

Sell

* Bus

ines

s Ret

urns

requ

ired

Finan

cial R

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Amou

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ness

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/Aud

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s)


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Buy-

Sell

**Fo

r Lim

ited

Liabi

lity C

ompa

nies

– re

ques

t tax

form

file

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bus

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s.

Finan

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ApplicationTheapplicationforBuy-Sellsubmissionisfbsell-00(statespecificversionswhereappropriate).Buy-SellOutlineofCoverageisobsell-00 (RS).(Ifstatevariation,theRSisreplacedwiththeappropriatestateinitials.)

buy-sell identification number (bin) formInorderforMassMutualtotrackthesubmissionoftheformalBuy-SellAgreement,itisnecessarythataseparateBuy-SellIdentificationNumberbeestablished.CompleteaGroupBillingForm,formf6748, and fax to the Multi-LifeServiceUnitpriortosendingapplicationstoaNewBusiness.Form f6748isavailableinFieldNet.


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worksite products 5-119 | MaxElect®

All product sections include basic policy information, rider information, and medical/

financial requirements.

Note:RetireGuardmayalsobeusedinaworksitesetting.Pleaseseepage5-59 for

information on the RetireGuard policy.


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Maxelect® – An overviewMaxElect® 12 MaxElect® is MassMutual’s premier multi-life contract, exclusively for multi-lifecaseswithaguaranteedstandardissue(GSI)offer.MaxElect®

canbeusedoncaseswithallGSIcoverageorcaseswithacombinationofGSIandfullyunderwrittencoverage.MaxElect® is extremely flexible, with policy design options to meet the coverage and budget objectives of employers and their employees.

* MaxElect 12 is not available in Florida, please refer to and the generic DI Reference Manual dated July 2009 for Florida.

MarketsEmployergroupseligibleforGSIoffers,especiallythefollowingindustries/occupations:

• BusinessServices

• Legal

• Accounting

• Architects

• Engineers

• CorporateExecutives

• MiddleManagement

• TechnicalEmployees

• 3A,4Aand5Aoccclasses

• Incomesof$70,000ormore


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* Not available in AR, CT, IA, ID, KS, NJ, OK, PA, SC, VT, VA, WA and WV** 2-year benefit period not available with 365-day waiting period in IA, VA, NJ and VT


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MaxElect® Base Policy Specifications

issue Ages 18 - 64 (18 - 60 in NJ)

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 60, 90, 180, 365 and 730* days

Maximum benefit periods

•2years**,5years,10years,ToAge65,ToAge67•Seepage5-163 for the Benefit Payout Schedule

premium Multi-life Level Premium, Unisex rates

tobacco use •35%Surcharge•Fornicotineuse,afactorof1.35isapplied.The

nicotine surcharge will be included for cigarettes, cigars, pipe smokers, chewing tobacco, the nicotine patch and nicotine gum.

Minimum Annual income requirements

$16,000 – all occupation classes

Minimum policy size

$300/mo. Base or $100/mo. Base with minimum $200/mo. SIR

Discounts

type of Group # eligible lives state discount %Employer-Endorsed 21+ All 25%

Employer-Pay 10-20 NJ, NV & WA 15%

Employer-Pay 21-99 NJ, NV & WA 25%

Employer-Pay 10-99 All 25% (as of 6/1/2013*)

Employer-Pay 100+ All 35%*

* Groups issued prior to 9/1/2013, 15% for 10 - 20 lives, exception NY, FL 25%

Foremployer-paidbusinessanadditional5%discountisavailable.Pleasecontact your multi-life underwriter for details.

Policy descriptioncontent provided is for reference purposes only. titles including “defini-tion” are actual definitions from the contract; all other materials are not. please refer to the annotated policy for the complete set of definitions and contract provisions.

non-cancelable and guaranteed continuable to the policy anniversary on or next following the insured’s 65th birthday. This policy will only be available onmulti-lifecaseswithGSIoffers.

conditionally renewable after age 65 to the policy anniversary on or next following the insured’s 75th birthday if insured is working 30 hours a week and is not disabled.

definition of total disabilityThe occurrence of a condition caused by a Sickness or Injury, in which the Insuredcannotperformthemaindutiesofhis/herOccupationandisnotworking at any other occupation. The Insured must be under a Doctor’s Care. The Disability must begin while the Policy is in-force.


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MaxElect® Table of State Disability Definitions

state total disabilityflorida The occurrence of a condition caused by a Sickness or Injury,

which:

• For the first 12 months of the Sickness or Injury, the Insured is not engaged in the material and substantial duties of his/her Occupation; and

• After the first 12 months of the Sickness or Injury, the Insured is not engaged in any occupation for which he/she is qualified by reason of education, training, or experience; and

• The Insured must be under a Doctor’s Care.

The Disability must begin while this Policy is In Force.

illinois The occurrence of a condition caused by a Sickness or Injury, in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation. The Insured must be under a Doctor’s Care. The Disability must begin while the Policy is In Force.


louisiana The occurrence of a condition caused by a Sickness or Injury, in which the Insured cannot perform the main duties of his/her Occupation ad is not working at any other occupation for which he/she is, or becomes, qualified by reason or education, training, or experience and which provides him/her with substantially the same earning capacity as his/her former earning capacity prior to the start of the Disability. The Insured must be under a Doctor’s Care. The Disability must begin while the Policy is In Force.

Maryland The occurrence of a condition caused by a Sickness or Injury, in which the Insured cannot perform each and every one of the main duties of his/her Occupation and is not working at any other occupation. The Insured must be under a Doctor’s Care, unless such care would be of no further benefit.

Example: You are a business owner and have 5 main duties that you are required to perform in the day to day operation of your business. To be considered Totally Disabled you must be unable to perform all 5 of the main duties. If you were unable to perform one or two of these duties you would not be considered Totally Disabled.

The Disability must begin while this Policy is In Force.


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MaxElect® Table of State Disability Definitions (continued)

Missouri The occurrence of a condition caused by a Sickness or Injury, in which the Insured cannot perform the material and substantial duties of his/her Occupation and is not working at any other occupation. The Insured must be under a Doctor’s Care. The Disability must begin while the Policy is In Force.

north carolina The occurrence of a condition caused by a Sickness or Injury, in which the Insured cannot perform the main duties of his/her Occupation and is not working at any other occupation. The insured must be under a Doctor’s Care, unless the Insured has reached the maximum point of recovery. The Disability will continue when there is no doubt the Insured is Disabled but in the opinion of the Doctor, future or continued treatment would be of no benefit. The Disability must begin while the Policy is In Force.

south dakota The occurrence of a condition caused by a Sickness or Injury, in which the Insured cannot perform the material and substantial duties of his/her regular Occupation and is not working at any other occupation. The Insured must be under a Doctor’s Care. The disability must begin while the Policy is In Force.

definition of presumptive total disabilityTheInsuredisconsideredtohaveaPresumptiveTotalDisabilityevenifhe/she is able to work if certain conditions exist. These conditions are any of those listed below that begin while this Policy is In-Force and are caused by Sickness or Injury:

• Completelossofspeech;or• Completelossofhearinginbothears;or• Completelossofsightinbotheyes;or • Completelossofuseofbothhands,orbothfeet,oronehandand

one foot

Disability Benefits total disabilityBenefitswillbepaidbasedonthetotaldisabilitybenefitshowninthepolicyspecifications if the insured is totally disabled.

presumptive total disability benefitif the insured:

• suffersapresumptivetotaldisability,and • isunderadoctor’scare,

then full total disability benefits will be paid following the waiting period for total disability. If the loss is deemed to be complete and irrecoverable, full total disability benefits will be paid immediately. We will waive the require-ment of doctor’s care and the waiting period.

A recurring disability is one which:for Age 65 or to Age 67 benefit period is a:

• related disability which starts less than 12 months after recovery,

• unrelated disability starting less than 30 days after the insured’s return to work full-time, minimum 30 hours per week. Work must be consistent with education, training and experience

for 2-year, 5-year or 10-year benefit period is a:

• related disability which starts less than 6 months after recovery;

• unrelated disability starting less than 30 days after the insured’s return to work full-time, minimum 30 hours per week. Work must be consistent with education, training and experience

note: Some states allow only a six month recurrent period, regardless of the maximum benefit period.

The rehabilitation benefit is designed to help the insured with the expenses of a rehabilitation program, which will enable return to work. The insured will be reimbursed for expenses incurred due to a rehabilitation program if:

• MassMutualhasapprovedtherehabilitationinwritingpriortotheinsured’s participation in the program;

• disabilitybenefitsarecurrentlybeingpaid;

• MassMutualhasnotdisapprovedtheprogrambasedonperiodicreview; and

• thoseexpensesarenotdefinedascoveredexpensesbyanotherinsurer or not actually paid from another source


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Mental disorder limitationThe maximum benefit period is 24 months for each period of disabil-itycausedorcontributedtobyamentaldisorder.However,wewillpaybenefits, subject to the maximum benefit period shown in the policy specifi-cations, as long as the insured is continuously confined in a hospital for the treatment of a mental disorder, and is under the care of a doctor.

note: Effective November 1, 2009, full mental health coverage is mandatory in Vermont. Policies will require the Maximum Benefit Period Endorsement and the associated cost will be 10% of the premium. This limitation can be waived under the Maximum Benefit Period Endorsement, available only on select employer-paid cases of 20 or more lives with approval from a multi-life underwriter. The cost will be 10% of premium and is available for all occupation classes.

A 12/12 pre-existing condition limitation (pecl) is included in the base policy.A pre-existing condition means:

• Theinsuredreceivedmedicaltreatment,consultation,careorservices including diagnostic measures, or took prescribed drugs or medicines within 12 months prior to the effective date of insurance or the effective date of a change in coverage; or

• Theinsuredhadsymptomsthatwouldhavecausedanordinarilyprudent person to consult a health care provider in the 12 months immediately prior to the effective date of insurance or the effective date of a change in coverage

for coverage with simplified underwritingWe will not provide any benefit for any disability that begins within 12 months after the effective date and is caused by, contributed to, or resulting from a pre-existing condition.

However,wewillprovideabenefitforadisabilitythatbeginswithin12 months after the effective date under coverage with simplified underwrit-ing that is caused by a pre-existing condition that is fully and accurately described in the application for coverage with full underwriting, unless, when disability began:

• Thepre-existingconditionisexcludedbynameorspecificdescription on the coverage with full underwriting; or

• Thepre-existingconditionresultedinasubstandardpremiumclassas shown on the policy specifications page; or

• Thecoveragewithfullunderwritinghasnotbeenissuedorwas declined


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A condition shall no longer be considered a pre-existing condition if it causes a disability which begins after the client has been insured under the policy for a period of 12 consecutive months after the effective date.

For any additional benefit or change based on a subsequent application, a disease, mental disorder or physical condition will no longer be considered a pre-existing condition if it causes a disability that begins after the change in policy coverage has been in-force for a period of 12 consecutive months.

MaxElectalsohasendorsementsthatallowa6/12and3/12PECL;thoseendorsementschangethedefinitionofPre-ExistingConditionLimitation.Inessence, the provision allows for the lookback of 6 or 3 months prior to the effective date of the policy when considering a disability that begins within 12 months of the effective date. We will not provide any benefit for any disability that begins within 12 months after the effective date and is caused by, contributed to, or resulting from a pre-existing condition that was present during the chosen lookback period, 6 or 3 months, prior to the effective date of the policy.

ThereisalsoanendorsementthatremovesthePECLfromthepolicy.Specialqualification rules apply, contact your multi-life underwriter for details.

There are costs associated with the addition of the above endorsements. In allsituationsthePECLisofferedatthegrouplevelonly.AllpolicieswithinagroupmusthavethesamePECL.

for coverage with full underwritingNoclaimfordisabilitycausedbyadisease,mentaldisorderorphysicalcondition fully and accurately described in the application will be denied on the basis that the condition existed before coverage began.

We will not pay any benefit under this policy for any disability that results from, or is contributed to, a disease, mental disorder or physical condition that was excluded by name or specific description when disability began

waiver of premiumThis provision allows payment of premiums to be suspended during a period of total or partial disability. Under the MaxElect® contract, MassMutual will:

• waiveallnewpremiumspendingdueaftertheinsuredhasbeeneither totally or partially disabled for 90 days; and

• allowthe90daystobecumulative;and


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• waivepremiumsforaslongasthedisabilitycontinues;and• refundanypremiumpaidduringthe90dayperiodpriortothe

insured becoming eligible for waiver of premium; and• waivepremiumsforboththebasecontractandanyin-force

riders; and• waivepremiumsbasedonthepremiummodeineffectatthetime

of disability

renewal provisionPremiums will be level to the policy anniversary on or next following the insured’s 65th birthday at which time the policy may be continued on a conditionally renewable basis. The policy will then become renewable for one-year periods up to the policy anniversary nearest to or next following the insured’s 75th birthday if specific conditions are met. Rates are at attained ageattimeofcontinuation.Benefitsarepayablefor24months.

Noridersremainonthepolicyatcontinuationundertherenewalprovision.

lapseThe policy will terminate if premiums are not paid within the grace period (31-dayperiodfollowingthedatethepremiumisdue).

reinstatementThe owner may reinstate the policy after it has lapsed within 12 months after the end of the grace period by paying the back premiums that are due. We may require a reinstatement application and proof of insurability to reinstate the policy. After 12 months, full underwriting will be required for consider-ation of a new policy.

The reinstated policy will only cover disabilities caused by injuries that occur after the reinstatement is effective. It will only cover disabilities caused by a sicknessthatappears(firstmakesitselfknown)morethan10daysafterthedate the reinstatement is effective. It will not cover any disability that begins within 12 months after the effective date of reinstatement and is caused by, contributed to, or results from a pre-existing condition. Otherwise, the terms of this policy will be the same as before termination, except for any terms added or excluded in connection with the reinstatement process.


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Making a claimA written notice describing the insured’s disability should be sent to our home office. Send it within 20 days after the disability occurs or as soon as is reasonably possible. Any delay in giving notice will not affect the right to any benefits for the six months before the date the notice was given.

After we receive notification of the insured’s disability, we will send the appropriate claim forms. If the claim forms are not received within 15 days after the original disability notification, write us a letter of claim. The letter of claim should state the cause of the disability and the insured’s present situation.

coverage exclusionsThis policy does not provide any benefit for any disability:

• Whiletheinsuredisimprisoned(also,thistimewouldnotcounttoward meeting the waiting period)

• Causedbywarwhiletheinsuredisinthemilitaryforcesofanycountry at war or in any civilian non-combatant unit serving with thoseforces.“War”includesdeclaredorundeclaredwaroranyactof war

• Causedbyanyintentionally,self-inflictedinjury

• Sustainedduringthecommissionofacrimeorwhileengagedinan illegal occupation

• Duetothesuspension,revocationorsurrenderoftheinsured’sprofessional or occupational license or certification

right to suspend policyIftheinsuredentersfull-timeactivedutyinmilitaryservice(otherthanactiveduty or training lasting 3 months or less) the owner may suspend the policy.

During any period of suspension:• Thepolicywillnotbein-force;and• Nomonthlybenefitsorwaiverofpremiumwillbeavailable;and• Paymentofpremiumswillnotberequired; and• Nodividends,ifany,willbepayable


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right to Apply for Additional benefitsAdditional benefits can be applied for at any time while the policy is in-force and the insured is not disabled. A new application and proof of medical and financial insurability is required.

Additional benefits applied for will be added to the existing in-force policy as long as the policy series is available in the contract state. If it is not available, we will provide a new policy based on the current policy series being offered in the insured’s contract state at the time of application for additional benefits.

In order to apply for additional benefits the insured must qualify for the minimum of $100 of additional monthly benefit, or the minimum benefit amount under our current product offering at time of application, if different.

Premiums are based on the insured’s attained age, current occupation class and rates, and our published underwriting limits in effect at the time of application for additional benefits.

The maximum amount of additional benefit that can be purchased is subject to the published issue and participation limits in effect at the time of applica-tion for additional benefits.

premium refund at deathWe will refund to the premium payor any premium paid beyond the end of the policy month in which the insured dies. Our home office must receive written notice in a form satisfactory to us of the death before we provide a refund.

dividendsDividendsmaybecomepayable(ifavailable)beginningattheendofyear5 (Year6forFL&PR).Dividendswillbepaidincashandarenotguaran-teed. Dividends will not be paid on the policy fee or substandard portion of the premium. We currently do not illustrate dividends on MaxElect Multi-LifeGSIvoluntary policies.


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optional ridersRider attachment is subject to company rules and regulations in effect when application is made. The following riders are available for MaxElect® :

• ABI–AutomaticBenefitIncrease

• CAT–CatastrophicDisabilityBenefitRider

• COLA–CostofLivingAdjustmentRider3%

• EPR–ExtendedPartialDisabilityBenefitsRider

• FIO–FutureInsurabilityOptionRider

• GSR–GroupSupplementDisabilityBenefitsRider

• own occ–Own-OccupationRider

• Partial–PartialDisabilityBenefitsRider

• RGR–RetireGuard® Rider

• SIR–SocialInsuranceRider• STR–ShortTermDisabilityBenefitsRiders


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ABI – Automatic Benefit Increase RiderTheABIriderisasupplementalbenefitwhich,whenaddedtothepolicy,allows the automatic annual purchase of benefits without evidence of medical(otherthanthefacttheinsuredmustnotbedisabled)orfinancialinsurability.TheinsuredmayelecttheABIrideratthetimeofapplicationorat any option date while the policy is in-force. Evidence of insurability will be required to add this rider at a later date. There is no cost for this rider.


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ABI Specifications

issue Ages 18-55; Increases through age 60

occupation classes

•5A,5P,4A,4P,3A,3P,2AandA•Multi-life

Availability •Minimumincreaseis$50 (including Partial)•PurchasesBaseandallriders

except SIR, RGR and CAT•Availableonstandardandsubstandard•NOTAVAILABLEinFLorPR

renewability •Mayberenewedevery5years•90daysbefore5thpolicyanniversary•Financialevidenceonly•4outof5increasesmustbein-force•Age55oryounger

ThisincreaseappliestoBase,ExtendedPartial,COLA,Partial,GSRA&B,STR 1&2.

This no-cost rider allows the insured to automatically increase the original monthly benefit on five consecutive policy anniversaries, provided the insuredisnotdisabled.Eachincreasewillbegreaterof$50or3%ofallfullyunderwritten coverage. Fully underwritten coverage includes coverage for which medical evidence of insurability was provided but does not include priorABIorFIOincreases.

CAT – Catastrophic Disability Benefit RiderTheCatastrophicDisabilityBenefitRider(CATRider)providesbenefitsthatcoverupto100%ofpre-disabilityearnedincomewhencombinedwitha base policy. It is a total only disability benefit and terminates when the insured reaches age 65. There is an additional cost for this rider.

note: In GA, this Rider name is changed to “Continuing Disability Rider”.


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*730 not available in AR, IA, ID, KS, NJ, OK, PA, SC, VT, VA, WA, WV

CAT Specifications


occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods •60days,90days,180days,365daysor730*days•Cannotbelessthanthewaitingperiodofthe

base contract•IfthepolicyisissuedwiththeCOLAriderthenthe

waiting period of the CAT must match the base waiting period.•Iftheinsuredqualifiesforabenefitbasedona

complete & irrecoverable presumptive disability, then the waiting period is waived

benefit periods •2years,5years,10years, To Age 65, To Age 67 •Benefitperiodcanbelessthan,greaterthanorequal

to the base policy benefit period. exception: If the policy is issued with the COLA rider (or added after issue), then the benefit period of the CAT rider must match the base benefit period

Minimum rider Amount

$300/mo.

Maximum rider Amount

$12,000/mo.

definition of catastrophic disability or catastrophically disabled TheInsured’sconditionhasmeteither(1)or(2)where:

(1) the definition of presumptive disability, as defined in your policy, which includes:

• Lossofspeech;or

• Lossofhearinginbothears;or

• Lossofsightinbotheyes;or

• Lossofuseofbothhands,orbothfeet,oronehandandonefoot.

(2) the definition of total disability, as defined in your policy, and (a) or (b) where:

(a)TheinabilitytoperformtwoofsixActivitiesofDailyLiving(ADLs)*asdefinedbelow,withoutassistance.

Adls:• bathing–washingoneselfbyspongebath;orineitheratub

or shower, including the task of getting onto or out of the tub or shower.

• continence–theabilitytomaintaincontrolofbowelorbladderfunction; or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (includingcaringforcatheterorcolostomybag).

• dressing–puttingonandtakingoffallitemsofclothingandanynecessary braces, fasteners, or artificial limbs.


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CAT Specifications (continued)

other •Availableonstandardandsubstandard•FIOandABIwillnotapplytotheCatastrophicrider;

the insured will not be allowed to use his/her FIO pool to purchase additional CAT•The20%Multi-LifesurchargeforFLandPRwillnot

be applied to the CAT Rider•CATisNOTAVAILABLEinCT

continued

• eating–feedingoneselfbygettingfoodintothebodyfroma receptacle(suchasplate,cuportable)orbyfeedingtubeor intravenously.

• toileting–meansgettingtoandfromthetoilet,gettingonandoffthe toilet, and performing associated personal hygiene.

• transferring–meansmovingintooroutofabed,chair,orwheelchair.

* in tn: inability to perform one of five Adl’s, bathing is excluded

(b)A severe cognitive impairment–TheInsured’sseveredeteriorationand/orlossofcognitivecapacitythatresultsintheneedfor Substantial Supervision, as defined below, by another person to protecthis/herselforothersfromthreatstohealthorsafety.Cognitiveimpairment of this severity must be evidenced by global impairment ofADLsasdemonstratedbystandardizedneurocognitivetesting.

Examples of conditions that might result in Severe Cognitive Impairment, include, but are not limited to, the following:

• ModeratetosevereAlzheimer’sdisease;

• Severetraumaticbraininjury;

• Parkinson’sdementia;

• Huntington’sdementia;

• Vasculardementia;

• Severecerebralvascularaccident

substantial supervision–Thecontinualsupervisionbyanotherperson to protect the Insured or others from threats to health or safety (suchasmayresultfromwandering)whentheinsuredhasaSevereCognitive Impairment. Such supervision may include cueing by verbal prompting, gestures, or other similar demonstrations.

Catastrophic Disability does not include a disability that is contributed to or caused by a condition diagnosed as being within one or more of the following category of disorders: sleep, learning, attention deficit hyperactiv-ity,substanceuse-related,schizophrenia/otherpsychotic,mood,anxiety,somatoform, dissociative, or personality. These disorders are defined by the code of Diagnostic and Statistical Manual of the Mental Disorders published bytheAmericanPsychiatricAssociation(APA).Ifthatmanualisdiscontin-ued, we will use the replacement chosen by the APA.


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contract changesThe ‘Rider Addition’ can be used to add the CAT rider to existing policies. It will be added using current rates at the time of application and will be fully underwritten.

The CAT rider will not be offered to those clients who are currently overin-sured based on income. We will, however, issue the CAT rider to those clients who are over our maximum I & P limits, not to exceed $12,000.

right to ApplyThe ‘Right to Apply’ provision will be available with the CAT rider. These guidelines are only used to allow any additions, increases, changes or attach-ments and the premium rates will be those in effect at the time the additional benefits are effective for that policy series.

the rtA may be used to:• IncreaseCATrideramount

Please refer to page 5-129 for RTA guidelines.


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COLA–CostofLivingAdjustmentRider–3%ThepurposeoftheCOLArideristohelpbenefitskeeppacewithinflationin the event of a disability lasting longer than 12 months. Increases start to accrue after the insured is disabled for 12 months or the full waiting period, whicheverislonger.Increasesarecompoundedat3%andthereisnolimittothenumberofadjustmentsthatmaybemadeundertheCOLArider.Thereisan additional cost for this rider.


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COLA Specifications


occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

Availability •AvailableonBaseandSIR•WillincreasebenefitsunderExtendedPartialRider,

Own-Occ Rider, SIR, and CAT•Availablewithstandardandsubstandard•Includespurchaseoption

benefit periods 10 years, To Age 65 benefit period and To Age 67 (applies to Base and SIR)

increase Amount 3% compound, no cap

UponrecoveryfromaperiodofdisabilityforwhichCOLAadjustmentsweremade, the insured has the right to purchase the additional monthly benefits created throughCOLAincreases.Thiscoveragecanbepurchasedusingcurrentattainedagerates(ratesinuseatthetimeofpurchaseoftheadditionalcoverage)fortheinsured’s current occupation class applicable at time of purchase of additional coverage. The current occupation class may differ from the occupation class at timeoforiginalissueofCOLA.Purchasecanbemade,iftheinsured:

• Returnstoworkfull-timeatleast30hoursperweekatanoccupationconsistentwithhis/hereducation,trainingorexperience

• Hasnotreachedhis/her60thbirthday

• Applieswithin90daysafterthedisabilityends

This increase in coverage may be purchased without evidence of medical or financial insurability.

* Availability varies by state. Please refer to the Disability Product Approval Grid on FieldNet (DI7137).

** Not available in AR, CT, IA, ID, KS, NJ, OK, PA, SC, VT, VA, WA, and WV

EPR – Extended Partial Disability Benefits RiderThe Extended Partial rider provides benefits for a partial disability. There is an additional cost for this rider.


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EPR Specifications*

issue Ages 18-64 (18-60 in NJ) – MaxElect

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods •60,90,180,365and730*days•Mustbesameasbasepolicy

benefit periods •2years,5years,10yearsandToAge65,ToAge67•Mustbesameasbasepolicy

benefit Amount •Equalsthebasecoverage+SIR•IncludesRecoveryBenefit•IncreasedthroughFIO,ABI,andRighttoApply

other •Availableonstandardandsubstandardpolicies•PartialRiderandEPRnotallowedonthesamepolicy.

If the OWN OCC Rider is on the policy refer to the modification to the Partial Disability Benefit provision included in OWN OCC Rider.

•RequiredwithGroupSupplementRider•NotavailablewithManagerialDutiesEndorsement

definition of partial disabilityFor the first 6 months of Partial Disability whether during the Waiting Period oraftertheInsuredisPartiallyDisabledifduetoSicknessorInjuryhe/she:


• isunderaDoctor’sCare;and

• fulfillsthecircumstancesdescribedineither(1),(2)or(3)below:

(1)candosome,butnotall,ofthemaindutiesofhis/herOccupation.Themainduty(s)thattheinsuredisunabletoperformmustaccountforatleast15%ofthetimehe/shespentinhis/herOccupation prior to the start of Disability.

(2)canperformallthemaindutiesofhis/herOccupation,butfornomorethan85%ofthetimetheywerecollectivelyperformedconsistently just prior to the start of Disability.

(3)



• canshowaDemonstratedRelationshipbetweentheLossofIncomeand the current disability.

After the first 6 months of Partial Disability, whether during the Waiting Period orafter,theInsuredisPartiallyDisabledif,duetoSicknessorInjuryhe/she:


• isunderaDoctor’sCare;



• canshowaDemonstratedRelationshipbetweentheLossofIncomeand the current Disability.

partial disability benefitsIn order for Partial Disability benefits to be paid, the Insured must have been TotallyDisabledand/orPartiallyDisabledthroughoutthefullWaitingPeriodforthisRidershowninthePolicySpecifications.NoBenefitsareaccruedduring the Waiting Period. Once the Waiting Period has been satisfied and while the Insured is Partially Disabled, We will pay benefits as follows:

for the first 12 months of partial disability benefits:

AnymonthlypaymentforPartialDisabilitywillbeatleast50%oftheExtendedPartialDisabilityMonthlyBenefitshowninthePolicySpecifica-tions.BasedontheInsured’sLossofIncome,themonthlypaymentcanexceedthe50%minimumasdetermined below:

• IftheInsured’sLossofIncomeismorethan50%oftheExtendedPartialDisabilityMonthlyBenefitshowninthePolicySpecifications, the monthly payment will be the Insured’s actual LossofIncome,uptotheExtendedPartialDisabilityMonthlyBenefitshowninthePolicySpecifications;or



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If eligible under both above conditions, the greater of the two monthly payments will be made.

starting with the 13th month of partial disability benefits:

Any monthly payment for Partial Disability will be based on the Insured’s LossofIncomerelativetothePre-disabilityIncome.Themonthlypaymentwill be determined as follows:

• IftheInsured’sLossofIncomeisequaltoorgreaterthan15%ofPre-disabilityIncome,butlessthanorequalto75%ofPre-disabilityIncome, the monthly payment will be determined by the following:


recovery benefitAfter a period of total disability or partial disability payments, a recovery benefitwillbepaidprovidedtheinsured’slossofincomeisatleast15%ofpre-disability income and there is a demonstrated relationship between the insured’s loss of income and the previous disability. The recovery benefit will be paid through the sixth month following the insured’s full recovery and return to work.

We will periodically reevaluate the demonstrated relationship to determine ifa15%lossofincomeexists.Aslongasthelossremains,wewillcontinueto pay a monthly income not to exceed the maximum benefit period for partial disability.

Adjustment to pre-disability incomeAfter each 12 consecutive months of disability, pre-disability income will beincreasedtoreflecttheincreaseintheConsumerPriceIndex(CPI).Theincreasewillneverbelessthan3%.


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Partial Disability Monthly Benefit

Loss of IncomePre-Disability IncomeX

FIO – Future Insurability Option RiderThis rider allows the policy owner to increase the amount of monthly disabilitycoverageasinsured’sincomeincreases.Atissuea“pool”amountis chosen which will be used during option periods to purchase new disabil-ity coverage. Increases to coverage using the FIO rider require financial underwriting. There is an additional cost for this rider.

TheFIO“pool”amountcanbeincreased,subjecttomaximumbenefitamounts with financial and medical underwriting, during any option period prior to age 55. Current underwriting guidelines will apply.


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FIO Specifications

issue Ages 18-55

termination The Option Date on or immediately before the insured‘s 60th birthday. Therefore, FIO will no longer be included in the premium from age 60 on

occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

Minimum fio pool

Minimum Initial Issue amount - $500

Maximum fio pool

•through age 50 - 2 x (Base + SIR benefits) to a maximum of $10,000•After age 50 - 50% x (Base + SIR benefits) to a

maximum of $10,000


$100


•through age 50=1x(Base+SIR)•Greater than age 50=onehalftheinitialMonthly

Benefit (Base + SIR)

other •PremiumimpactedbyBase,Partial,EPR,COLA,STR•Availableonstandardandsubstandard•IncreasedcoveragepurchasedforBase,COLA,

Own-Occ Rider, STR, Partial, Extended Partial•CATcannotbepurchasedthroughan

FIO Option•Theriderwillterminateiflessthan$100remainsin

the FIO pool

Iftheinsuredisdisabledduringtheoptionperiod,he/shemayapplyfortheincreased benefits upon recovery if any option periods remain.

An option period occurs each year through age 60. During an option period, the insured may apply to purchase additional benefits. We will require financial documentation to provide evidence of insurability as well as information about other disability income benefits in-force or applied for. The insured must not be disabled. If the limits have been changed since the FIO was issued, the insured may elect to use the limits in effect when this rider was purchased, if they are more favorable.

If we receive evidence the insured’s risk class is more favorable at the time of application for additional benefits than it was when this rider became effective, we will use the more favorable risk class for the additional benefits.

Premiums for the total increased pool will be at attained age rate using the level premium rates in use at the time of the increase. Waiting and benefit periods for any increases will be the same as the initial coverage. The system will allow for manualinputofadifferentwaitingand/orbenefitperiodontheincrease.

The option periodbegins90daysbeforeeachoptiondate(policyanniver-sary), one per year and ends on that option date. Options may be exercised during each option period through the option period containing the option date on or immediately before the insured’s 60th birthday.

The insured may request to change the option dates, subject to company approval, at any time by written request. The change must be the same date of the month as the original policy anniversary date.

Following are examples of reasons to change the option date: changes in place of employment; marriage; birth of a child; adoption; purchase of a home.

when base coverage is increased through an fio option, the benefits associ-ated with colA, str, partial and extended partial will increase accordingly.


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GSR – Group Supplement RiderThis rider provides partial disability benefits to supplement group benefits provided by an employer. There is an additional cost for this rider.

*In OK, this Rider name is changed to Supplemental Partial Rider.


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*Where approved

GSR Specifications

issue Ages •18-60includesCOLA•18-55includesFIO•56-60does not include FIO

waiting periods •60,90,180,365,and730*days•CandifferfromBasepolicybutnot

less than

benefit periods To Age 65, To Age 67 (LTD Plan must have To Age 65)

occupation classes

•5A,5P,4A,4P,3A,3P,2AandA•OptionsA,B,X&Y–Group

other riders Extended Partial Required

Additional features/ information

•FIOandCOLAarebuiltin•not allowed on policy with Managerial

Duties Endorsement•GSRBnotallowedonpolicieswiththe

Own-Occ Rider•Availableonstandardandsubstandard•BenefitincreasedbyABIrider•Minimum$200ofGSRMonthlyBenefitAmount•HalfWrap–Max.MonthlyBenefitAmount=

50% Net LTD Benefit•FullWrap–Max.MonthlyBenefitAmount=

100% Net LTD Benefit •GSRA&BWaitingPeriod=BaseWPonLTDforFull

Wrap only•GSRA&BWaitingPeriod=365or730*daysforHalf

Wrap only

coverage A (partial)TheinsuredwillbeconsideredPartiallyDisabledwhenhe/she:


• Isworkingathis/herregularoccupation;


• Canshowademonstrated relationship between the loss of income and the current disability;

• Isunderadoctor’scare

If the insured is Partially Disabled, we will pay the monthly payment for this coverage if during the waiting period:

• Theinsuredhasbeenpartiallydisabledandhadalossofincomeofatleast20%ofpre-disabilityincome;or

• Theinsuredhasbeentotallydisabledforatleast30days.

During the first 12 months of disability, any monthly payment will equal 50%ofthemonthlybenefitforthiscoverage.

However,ifwereceiveproofoflossofincomeofmorethan50%ofpre-disability income, the insured may qualify for a larger benefit. The monthly benefit will be determined as follows:

Ifthelossofincomeisbetween50%and75%,themonthlypaymentwillbedetermined as follows:

Ifthelossexceeds75%,thenthemonthlybenefitwillbetheamountshownin the policy specification page.

Beginninginthe13thmonth,ifthelossofincomeisbetween20%and75%ofpre-disabilityincome,themonthlybenefitwillbedeterminedasnotedabove.Ifthelossexceeds75%ofpre-disabilityincome,we will pay the full monthly benefit.


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Coverage A Monthly Benefit XLoss of Income


coverage bTheinsuredwillbeconsideredPartiallyDisabledundercoverageBifhe/she:


• Isworkingatanewoccupationforwhichhe/sheisreasonablysuited by education, training and experience;


• Canshowademonstratedrelationshipbetweenthelossofincomeand the current disability;

• Isunderadoctor’scare

The monthly benefit is based on the insured’s loss of income, based on the following coverage:

coverage X (GSRConversionOptionforCoverageA),and

coverage y (GSRConversionOptionforCoverageB)

• Availableforselect multi-life cases of 15 or more eligible lives or other multi-life cases with 20 or more eligible lives only

• Homeofficepre-approvalrequired

• Availableon100%employer-pay/participationcasesonly

• Optionavailablepriortotheinsured’sage60anduntil30daysfollowing(60daysallowedinunderwriting)thedatetheinsured’sterminationfromemploymentinwhichhe/shewascoveredunderemployer provided disability benefits or, the date the insured’s employer’s termination of employer sponsored disability benefits

• Toexercisethisoption,theinsuredmustmeetallofthefollowing:

– Activelyemployed30hoursperweek,

– Activelyemployedforthe90-dayperiodimmediatelypriortotermination of employer provided disability benefits, and

– Notbedisabled


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Coverage B Monthly Benefit XLoss of Income


requirements• Themaximumamountthatcanbeconvertedis2xtheGSR,up

to $5,000

• Wewillrequireproofthattheinsuredisnotdisabled

• Theinsuredmustqualifyfinanciallyforthenewcoverageamount(Issue&ParticipationLimitswillbethoseatthetimeoforiginalissueorcurrentIssue&ParticipationLimits,whicheveraremorefavorable)

• Additionalbenefitswillbeissuedwiththesamewaitingperiodand maximum benefit period as the initial disability benefits for the policy. This does not include riders

• TheGSRiscompletelyremoveduponconversion

• Premiumisbasedoncurrentageandoccupationattimeofconversion

• Wraps;Half,FullorCombinationHalf/Full

• ConversionFeaturenotavailablewiththeOwn-OccRider

features included in Gsr future insurability option (fio)–Thisbenefitisconditionally

available based on underwriting and may be issued as part of theGroupSupplementRideraslongastheissueageislessthan56. FIO allows the insured to apply during an option period for additional benefits. The insured must not be disabled

cost of living Adjustment (colA)–Thisbenefitisconditionallyavailable based on underwriting and may be issued as part of the GroupSupplementRideruptoandincludingissueage60.Issueagesgreaterthan60willnotincludeCOLA.Whiletheinsuredisdisabled,wewillmakeincreasestothemonthlybenefit.Nobenefits accrue during the first 12 months that the insured is disabled or the full waiting period, whichever is greater. The increasetotheGSRwillbecomputedbymultiplyingtheGSRmonthlybenefitby5%.Afterevery12monthsofmonthlybenefitpayments, we will increase the monthly benefit payment again computedat5%compounded.


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Own OCC – Own-Occupation Rider ThisOwn-OccupationriderprovidesaMonthlyBenefitwhentheInsuredistotally disabled and is working in another occupation. There is an additional cost for this rider.


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*Not available in AR, CT, ID, IA, KS, NJ, OK, PA, SC, VT, VA, WA, WV ** 2-year benefit period not available with 365-day waiting period in IA, VA, NJ and VT

Own OCC Specifications

issue Ages • IssueAges18-64(18-60inNJ)

occupation classes

5A, 5P, 4A, 4P, 3A and 3P

waiting periods •60,90,180,365or730*days•Mustbesameasthebasepolicy

benefit period • 2years,**5years,10yearsand To Age 65, To Age 67

• Mustbethesameasbasepolicy• IfCOLAexistsonthepolicy,the

OWN OCC Rider BP must be 10 years, To Age 65 and To Age 67

benefit Amount •Equalsthebasecoverage+SIR•IncreasedthroughFIOandABI

other •Availableonstandardandsubstandardpolicies•NotavailablewithGSRB,GSRXandGSRY,STRand

the Managerial Duties Endorsement

definition of total disability The occurrence of a condition caused by a Sickness or Injury in which the Insured:

• cannotperformthemaindutiesofhis/herOccupation;

• isworkinginanotheroccupation;

• mustbeunderaDoctor’sCare;and• theDisabilitymustbeginwhilethisRiderisInForce.

Modification to the partial disability benefit provision if the extended partial disability benefits rider is in forceThefollowingisaddedtothePartialDisabilityBenefitsprovisionoftheExtendedPartialDisabilityBenefitsRider,ifInForce:

MonthlyBenefitpaymentsunderthisOwn-OccupationRiderwillbeinlieuofanyMonthlyBenefitundertheExtendedPartialDisabilityBenefitsRiderequaltotheMonthlyBenefitforthisOwn-OccupationRidershowninthePolicySpecifications.WewillevaluateeligibilityforMonthlyBenefitsundertheExtendedPartialDisabilityBenefitsRiderfortheamount,ifany,thatexceedstheMonthlyBenefitofthisOwn-OccupationRider.

cost of living riderTheMonthlyBenefitunderthisRiderwillbeincludedwhendeterminingtheincreasetotheMonthlyBenefitfromtheCostofLivingRiderif:

• theCostofLivingRiderisInForceonYourPolicy;

• theInsuredmeetsalloftherequirementsoftheCostofLivingRider; and

• theInsuredfulfillstheeligibilityrequirementstoreceiveMonthlyBenefitsfromtheOwn-OccupationRider.

Following a period of Disability during which monthly increases were paid, YouwillhavetheopportunitytopurchaseadditionalMonthlyBenefitsforthisOwn-OccupationRiderinaccordancewiththeCostofLivingRider,ifInForce.ThemaximumadditionalMonthlyBenefitavailableforthisRiderwill be computed by multiplying the:

• accruedpercentageonwhichthelastCostofLivingMonthlyBenefitincreasewasbased;and

• Own-OccupationMonthlyBenefitshowninthePolicySpecifications.

contract changesTheOWNOCCRidermaybeaddedtoexistingMaxelect® 04 and Maxelect® 07.OWNOCCwillbeaddedusingcurrentratesatthetimeofapplication and will be fully-underwritten.


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Partial – Partial Disability Benefit RiderThis rider provides a disability benefit if the insured, while still disabled, is abletoreturntoworkathis/herregularoccupationbutinareducedcapacity.There is an additional cost for this rider.


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Theinsuredwillbeconsideredpartiallydisabledwhenhe/she:• issufferingfromacurrentdisability;

• isworkingathis/herregularoccupation;

• candosomebutnotallofthemaindutiesofhis/heroccupationor canworkathis/heroccupationnomorethan1/2thehoursworkedbefore becoming disabled; and

• isunderadoctor’scare.

In order for benefits to be paid, the insured must be disabled continuously throughout the full waiting period; and totally disabled for a minimum of 30 days during the waiting period.

Partial Disability Benefit Rider Specifications


occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 60, 90, 180, 365 and 730 days (must be same as Base)

benefit period Maximum 6 months

benefit Amount 50% of (Base+ SIR) ($150 minimum)

other •Availableonstandardandsubstandard•Willbeincreasedthrough

FIO & ABI •Partial&EPRnot allowed

on same policy •AvailablewithManagerialEndorsement


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RetireGuard® RiderRetireGuard®canhelpreplaceupto100%oftheretirementplancontribu-tions(includingboththeemployee’sandemployer’scontributions)thatwouldhavebeenmadetoaclient’seligibledefinedcontributionplanifhe/she had not become disabled. It is not a retirement plan, nor a substitute for one. There is an additional cost for this rider.

RetireGuard® Rider Specifications

issue Ages 18-64

occupation classes

5A, 4A, 4P, 3A, 3P, 2A, A

waiting periods 180 and 365 days

benefit periods 10 years, To Age 65, To Age 67

Maximum issue limits

Match IRS maximum defined contribution limits; see FieldNet for current limits

other •NotavailableinnJ•Availableonstandardandsubstandard•Wewillcover100% of employee and employer


contributions to the maximum on a taxable basis•Minimum rider Amount: $100 (Must meet $300 of

MaxElect minimum base benefit requirement. This can be all base or base plus SIR)

WheninsuredwithRetireGuard,duringaperiodoftotaldisability,MassMutual will pay benefits into an irrevocable trust. The trust offers different investment options at the time of claim so that a client can select the optionthatbestmeetshis/herretirementgoals.Theproceedsofthetrustaredistributed in accordance with the terms of the trust which currently provides for the distribution of trust assets when the insured reaches age 65 or age 67(dependinguponthebenefitperiodchosen),thetrustassetsaredistrib-uted to the insured. Trust services are provided by The MassMutual Trust Company, fsb.

This rider is available under all basebenefitperiods(i.e.basebenefitperiodof 2 years, 5 years, 10 years, To Age 65 and To Age 67).

total disabilityThe definition of total disability will match that of the base contract.

optional electivesA) retireGuard® colA–3%:COLAmaybeelectedonthisrider.RetireGuard®-COLA3%willbeseparatelydefinedonthepolicy specification page.

• issue Ages–18-60foralloccupationclasses

b) retireGuard® fio–FIOmaybeelectedonthisrider(RetireGuard®-FIO). Thepoolamountwouldequal2xtheRetireGuard® Rider amount not to exceed $7,500incombinationwithbaseRetireGuard® coverage, but will not be less than $500. Minimum exercisable option is $100. The FIO pool amount is separate and distinct from the MaxElect® base policy and can only be used to increasetheRetireGuard® Rider amount when financially qualifying.


• termination–Onthepolicyanniversarydatenextfollowingtheinsured’s60thbirthday.(FIOwillnolongerbeincludedinthepremium from age 60 on.)

• premium impact–WouldimpactriderbaseandriderCOLA

• increased coverage–AppliestoriderbaseandriderCOLA

General informationThis rider is available at issue or after issue. If issued after the policy was issued,wewillprovidenewPolicyspecifications.WewillallowRG-COLAandRG-FIOtobeaddedafterissuewithfullunderwritingatattainedageand current series rates.

In most cases, annual investment earnings on disability benefits paid to the trust will be taxable to the insured. Also, if benefit payments are taxable (becausethepremiumisemployer-paid),thentheinsuredwillberequiredto pay taxes on monthly benefits paid into the trust. Upon written request of the insured, MassMutual will withhold federal taxes on the benefit payments. Trust assets may be tax-deferred depending on the investment option(s)selected.


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continued

Benefitpaymentsare not paid to an employer-established retirement plan. At time of claim when benefits become payable, the insured decides how these disability benefits will be invested. A broad list of investment options, includingsecuritieslistedontheNewYorkStockExchange,NASDAQstockexchangeandWallStreetJournallistedmutualfundsaswellasanydeferredannuitythatholdsaminimumAratingwithAMBestandtwoadditional secure ratings are available.

eligible plans include• DefinedContributionPensionPlans

– 401(k)Plans


– KeoghPlans

– StockBonusPlans




• Tax-ShelteredAnnuityArrangements/403(b)Plans(non-STRSplans)

• CertainNon-QualifiedDeferredCompensationArrangements(evaluatedandissuedonacase-by-casebasis)

underwriting Guidelines• FIOonMaxElect® base contract may be used to purchase

RetireGuard® Rider

• FIOonMaxElect® base contract to may not be used to increase RetireGuard® Rider benefit amount

insuring income via retireGuard® rider versus Maxelect® (base):

• ForRetireGuard®RiderthetotalofemployeePLUSemployercontributions can be insured

• IncomewillnotbereducedinordertoqualifyfortheRetireGuard® Rider, up to the IRS maximum defined contribution limit for 401(k)and403(b)plans.


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continued

example• Employeeearns$140,000annually

• Employeeannualcontributionto401(k)planis$13,000

• Employermatchtoplanis$6,500

IncomewillnotbereducedinordertoqualifyfortheRetireGuard® Rider,uptotheIRSmaximumdefinedcontributionlimitfor401(k)and403(b)plans.

overinsuranceTheRetireGuard® Rider will not be offered to those clients who are currently overinsuredbasedonincome.Wewill,however,issuetheRetireGuard® Rider to those clients who are over our maximum I & P limits, not to exceed $3,000.

Please see page 6-8 for an example.

Ability to Add retireGuard® rider to in-force business• ThisriderisavailableatissueorafterissueonMaxElect® policies

• Inallinstances,premiumswillbebaseduponattainedageandcurrent rates


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SIR – Social Insurance Rider*The Social Insurance Rider provides monthly income benefits during disability without duplicating benefits that may be provided by workers’ compensation, state cash sickness and social insurance benefits. This rider is available at issue. If added after issue, subject to full medical and financial underwriting, for attachment to the MaxElect® policy. SIR is not available to clergy or when there is group long term disability in-force. There is an additional cost for this rider.

* In the state of New York, the rider name is changed to: Social Insurance Substitute Rider


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SIR Specifications

issue Ages 18-60

occupation classes

•5A,5P,4A,4P,3Aand3P–sir available but optional•2A,andA–sir is required

Availability •required for all classes in puerto rico unless the prospect has Group LTD in-force or applied for; or the prospect is not eligible to contribute to Social Security (clergy are the most common)•state cash sickness states rules

(hi, nJ, ny, pr and ri) - sir is required with a Waiting Period

< 90 days in State Cash Sickness - sir is optional with a Waiting Period

>=90daysinStateCashSickness - 2A and A – sir is required in State Cash Sickness •sir is not available if the Insured has Long

Term Disability (LTD) Insurance with a Social Security offset

other •WaitingPeriodmustequalBase•BenefitPeriodmustequalBase•MinimumBenefit$200(seeI&PTable)•MaximumBenefit$1,350(Employee-Payand

Employer-Pay)•MaybeattachedorincreasedthroughFIO

if requested•Availableonstandardandsubstandard•SIRwill be included in the calculation of ABI with

new coverage applied as Base, not SIR

other benefit programs are defined as:social security disability benefits for the insured–TheSocialSecurity program that provides income payments for the insured’s disability, excluding any family disability benefit.

social security family disability benefits–TheSocialSecurityprogram that provides disability income payments to any person because of that person’s relationship to the disabled insured.

workers’ (or workmen’s) compensation disability benefits–Any workers’ or workmen’s compensation law or plan, either federal or state, that provides payments for the insured’s disability.

compulsory disability benefits (“cash sickness”)(allstatesexcept NewYork)–Anystatelawrequiringaplanofaccidentorsickness disability benefits, other than workers’ compensation, for a disabled insured.

compulsory disability benefits (“Government retirement system”) (AllstatesexceptNewYork)–Anyretirementprogramsponsoredby any government unit of any kind that pays disability benefits to aninsuredduetohis/herdisability.Thesedisabilitybenefitsincludemoney that:

• Ispayableunderaretirementplanduetodisabilityasdefinedinthat plan; and

• Doesnotreducetheamountofmoneythatwouldhavebeenpaidas retirement benefits at the normal retirement age under the plan if the disability had not occurred. If the payment does cause such a reduction, it is not considered a disability benefit under this program.

“social security” means the Federal Social Security Act, as now written or as it may be changed or replaced.


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STR – Short Term Disability Benefits RidersThe purpose of these riders is to provide disability benefits for a short period of time during the waiting period of employer’s salary continuation plans or LTDplanswith180-dayorlongerwaitingperiods.Thereisanadditionalcost for these riders.


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STR Specifications


occupation classes

5A, 5P, 4A, 4P, 3A, 3P, 2A and A

waiting periods 60, 90, and 180 days

benefit periods •STR1–To6months•STR2–To1year•Maynotoverlapbasepolicy

Minimum benefit $100/mo.

other •Upto2shorttermridersmaybeissued•Benefitperiodsmaynotoverlap•IncreasedbyABIandFIO•AvailablewithPartial,EPR,FIO,COLA,GSR,ABI

and SIR•Availableonstandardandsubstandardpolicies•ShortTermRider1notavailableinVT•ShortTermRider2notavailableinVA•NotallowedonpolicieswiththeOWNOCCRider

short term rider one• Availablewaitingperiods–60and90days


short term rider two• Availablewaitingperiods–180days


Endorsement – Long Term Care Purchase CreditWhilethispolicyisin-force,2%oftotal(cumulative)premiumpaidonaMassMutual disability income policy is used as a credit towards first year MassMutualLTCipremium.Thecreditwillequal2%ofpremiumspaid,premiums waived and the policy fee.

This endorsement will be issued with all MaxElect® policies. It cannot be added to in-force policies.


included on all MaxElect® policies regardless of the issue age, waiting period, benefit period or occupation class


• Allpremiumspaidqualifyforaccumulationtowardsacredit:premiumincreases/decrease(FIO/ABI–additionalpremiumfornew coverages) or any contract change which impacts premiums


• Thecreditcanonlybeusedonce

General informationAt any time while the policy is in-force or up to one year after the policy is no longer in-force, the credit can be applied to the first-year premium due topurchasealongtermcarepolicyissuedbyMassMutual–ithasnoothercash value. Any credit in excess of the annual first-year premium due under the long term care policy will have no further value and will be forfeited.


The insured does not need to cancel their DI policy in order to buy a long termcarepolicy.Bothpoliciescanbemaintainedin-force.

The insured may use the credits from multiple policies to purchase a long term care policy.


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underwriting Guidelines:TheLTCpolicywillbefullyunderwrittenbytheLTCunderwritingdepartment..


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Modal Factors

type factor fee

list bill




13 Pay List Bill 8.00 $ 4.00

24 Pay List Bill 4.33 $ 2.30

26 Pay List Bill 4.00 $ 2.20

direct bill



pAc




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Florida Modal Factors

type factor fee

list bill




13 Pay List Bill 8.10 $ 4.05

24 Pay List Bill 4.40 $ 2.20

26 Pay List Bill 4.05 $ 2.03

direct bill



pAc




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Mississippi Modal Factors for Radius and MaxElect

type % Annual premium fee

list bill


Semi-Annual List Bill 52.00 $3.00


10 pay List Bill 10.50 $0.60






direct bill

Annual Direct Bill 100.00 $6.00

Semi-Annual Direct Bill 52.00 $3.00

Quarterly Direct Bill 27.00 $1.50

Monthly Direct Bill 9.10 $0.50

pAc



individual bill


Semi-Annual Individual List Bill 52.00 $3.00




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Max

Elec

t®1 ‘1

2

1 If a

pplyi

ng a

bove

the

GSI ,

requ

irem

ents

are

nee

ded

and

will

be

base

d on

the

tota

l am

ount

(GSI

+ Fu

lly U

nder

writ

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of c

over

age

2 Hig

hest

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m ri

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amed

& B

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Pro

file/

Urin

e re

quire

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$1,

for F

L/PR

4 No

Oral

flui

ds re

quire

d fo

r 5A

occu

patio

nal c

lass

es u

p to

$3,

500

5 Blo

od P

rofil

e/Ur

ine

requ

ired

for a

ll he

alth

care

occ

upat

ions

requ

estin

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e Ow

n-Oc

c Rid

er

Med

ical R

equi

rem

ents

Mon

thly

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efit2

Ages

18-4

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-64

Up to

$1,0

00No

n-M

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$1,0

01 –

$5,0

00No

n-M

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Flui

ds4,

5

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Med

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ts

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file/

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Grea

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7,50

0Pa

ram

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file/

Urin

ePa

ram

ed

Bloo

d Pro

file/

Urin

e


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Max

Elec

t® ‘1

2Businessow

nersapp

lyingforM

axElectm

ustsub

mitbu

sine

ssta

xreturns;fo

remploy

eesap

plying

fora

mou

ntsab

ovetheGSI,add

ition

alfina

ncialinformationmay

alsobe

requ

ested.

spec

ial n

otes

• W

hen

dete

rmin

ing

finan

cial r

isk fo

r DI,

inclu

de a

ll DI

and

LTD,

in-fo

rce

and

appl

ied

for s

ince

the

last

full

finan

cial d

ocum

enta

tion

was

subm

itted

for a

Mas

sMut

ual d

isabi

lity p

olicy

• Fin

ancia

l doc

umen

tatio

n is

not r

equi

red

for S

tarti

ng P

rofe

ssio

nals

whe

re in

-forc

e an

d ap

plie

d fo

r cov

erag

e is

with

in th

e st

artin

g pr

actic

e lim

its

•

Tota

l iss

ue a

nd p

artic

ipat

ion

limits

inclu

de a

ll ot

her c

over

ages

, bot

h in

divid

ual a

nd g

roup

Finan

cial R

equi

rem

ents

empl

oyee

, non

-ow

ner

All s

tate

s

(a) A

pplie

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r and

in-fo

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3,00

0 an

d un

der

No fi

nanc

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ocum

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tion r

equi

red –

Not

avai

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uerto

Rico

,W-2

or C

urre

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y stu

b w

ith ye

ar to

date

figu

re re

quire

d

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r and

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vera

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3,00

1 an

d un

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10,0

00W

-2 o

r Cur

rent

Pay s

tub w

ith ye

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figu

re

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cove

rage

$10

,000

– $

14,9

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bmit

the t

wo

mos

t rec

ent W

-2’s

or W

-2 &

Cur

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Pay s

tub w

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figu

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$15

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and

ove

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bmit t

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o m

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ms 1

040,

with

all s

ched

ules

and a

ttach

men

ts in

cludi

ng W

-2’s

Max

Elec

t® ‘1

2


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* in

the

follo

win

g si

tuat

ions

, doc

umen

tatio

n re

quire

d in

row

(c) s

houl

d be

obt

aine

d:

• ap

plica

nt’s

unea

rned

inco

me

exce

eds 1

5% o

f ear

ned.

**Fo

r Lim

ited

Liabi

lity C

ompa

nies

(LLC

) – re

ques

t bus

ines

s tax

form

file

d w

ith IR

S.

Finan

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equi

rem

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(con

tinue

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** e

nti

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ropr

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ched

ule

c)pa

rtner

in a

par

tner

ship

(f

orm

1065

)co

rpor

atio

n sh

areh

olde

r (f

orm

1120

)s-

corp

orat

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shar

ehol

der

(for

m 11

20s)

(a) A

pplie

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r an

d in

-forc

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vera

ge

unde

r $10

,000*

Subm

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e m

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t:Sc

hedu

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r fo

rm 10

40, p

ages

1 &

2, S

ch E,

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W-2

if LL

CFo

rm 11

20, p

ages

1 &

2 (in

clude

Form

1125

E for

re

turn

s 201

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Subm

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O m

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s 104

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1 & 2

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form

s 104

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ges 1

&

2, S

ch E’

s, an

d W

-2’s

if LL

CFo

rms 1

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page

s 1 &

2

(inclu

de Fo

rm 11

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or

retu

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ter)

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rms 1

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page

s 1 &

2 an

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-2’s

Form

s 112

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ages

1 &

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page

s 1 &

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-forc

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$15,0

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nd o

ver*

Subm

it th

e TW

O m

ost r

ecen

t:Fo

rms 1

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with

al

l sch

edul

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tach

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s 106

5 with

all s

ched

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an

d atta

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ith al

l sch

edul

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tach

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nd W

-2’s

if LL

C

Form

s 112

0 with

all

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dule

s and

atta

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an

d fo

rms 1

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ith al

l sc

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tach

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s 112

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’s


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Benefit Payout Schedule

MAXIMUM BENEFIT PERIODS ALLOWED FOR A DISABILITY WITH A TO AGE 65BenefitPeriodareasfollows:

if disability begins:Before Age 61 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .To Age 65At Age 61, but before Age 62 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 MonthsAt Age 62, but before Age 63 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 MonthsAt Age 63, but before Age 64 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 MonthsAt Age 64, but before Age 65 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Months

MAXIMUM BENEFIT PERIODS ALLOWED FOR A DISABILITY WITH A 10-YEARBenefitPeriodareasfollows:

if disability begins:Before Age 55 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 120 MonthsAt Age 55, but before Age 61 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .To Age 65At Age 61, but before Age 62 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 MonthsAt Age 62, but before Age 63 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 MonthsAt Age 63, but before Age 64 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 MonthsAt Age 64, but before Age 65 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Months

MAXIMUM DISABILITY BENEFITS PAYABLE FOR 5-YEAR BenefitPeriodareasfollows:

if disability begins:Before Age 61 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 MonthsAt Age 61, but before Age 62 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 MonthsAt Age 62, but before Age 63 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 MonthsAt Age 63, but before Age 64 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 MonthsAt Age 64, but before Age 65 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Months

MAXIMUM DISABILITY BENEFITS PAYABLE FOR TO AGE 67BenefitPeriodareasfollows:

if disability begins:Up to Age 63, but before Age 64 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .To Age 67At Age 64, but before Age 65 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 Months

MAXIMUM BENEFIT PERIOD FOR DISABILITY IF POLICY CONTINUED AT AGE 65

At or after Age 65, but before Age 75 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Months

Disclosure Statement About Our Policies Premium Payment Optionsplease read this information carefullyAs a policyholder of MassMutual, you have the right to choose among four payment plan options for paying your annual premium. Each payment option, other than annual, costs more money. Among our policyholders, the additional cost varies depending upon the type of policy and its original issue date. A generic description of the payment options and range of costs, expressed as dollars and as annual percentage rates, are described below.

premium payment optionsYoumaypaypremiumsonceayear(annually),twiceayear(semi-annually),orfourtimesayear(quarterly)ortwelvetimesayear(monthly).

If you pay your annual premium by installments, there will be an additional charge.

a. If you pay semi-annually, the additional charge equals an annual percentagerate(APR)intherangeof8.2%to18%.Thiswouldamount to an additional annual charge in the range of $20 to $43 on an annual premium of $1,000.

b. If you pay quarterly, the additional charge equals an annual percentagerate(APR)intherangeof2.4%to23.7%.Thiswouldamount to an additional annual charge in the range of $9 to $88 on an annual premium of $1,000.

c. If you pay monthly, the additional charge equals an annual percentagerate(APR)intherangeof4.3%to22.1%.Thiswouldamount to an additional annual charge in the range of $20 to $103 on an annual premium of $1,000.

There may be other premium payment options available on certain products. Please contact MassMutual at 1-800-272-2216 for more information. If you would like to know the exact dollar amount of the additional charge or the Annual Percentage Rate that you are paying because you pay your annual premiumininstallments,youmayaccessour“ModalChargeDisclosureandAnnualPercentageCalculator”linkatwww.massmutual.com/calculatorsand follow the simple instructions. Alternatively, you may call this toll free number 1-800-272-2216 and we will provide you with the information.


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how to change your premium payment option*Youalsohavetherighttochangethisoptionduringthelifetimeofyourpolicy. In order to make a change, you must either:

• InformyourMassMutualagentthatyouwishtochangethepremium payment frequency for your policy; or

• NotifyMassMutualinwritingviaregularmail(MassMutualFinancialGroupCustomerServiceHubat1295StateStreet,Springfield,Mass.01111-0001)ore-mail(www.massmutual.com) that you wish to change the premium payment frequency for yourpolicy’spremiums.Besuretoincludeintheletterthepolicynumber for which you wish to change the premium payment frequency; or

• ContactaMassMutualCustomerServiceRepresentativeat1-800-272-2216 and inform the representative that you wish to change the premium payment frequency for your policy.

* If your premium is paid through a payroll deduction, there may be limitations on your ability to change the payment option. Contact your MassMutual agent to determine if your premium payment option can be changed.

This notice does not change any of the terms of your MassMutual policy.

Massachusetts Mutual Life Insurance Company and affiliates Springfield, MA 01111-0001

COR4565 504


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section 6

examples/index 6-2 | Extended Partial Disability Benefit Rider 6-3 | Future Insurability Option 6-5 | Automatic Benefit Increase with FIO 6-6 | Group Supplement Rider 6-8 | Adding RetireGuard® When Existing Coverage is In-Force 6-10 | CAT Rider Benefit Calculation 6-13 | Index


6 ex

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es/in

dex

examples1. extended partial disability benefit rider

2. future insurability option (fio)

3. Automatic benefit increase with fio (Abi with fio)

4. Group supplement rider (Gsr)

5. retireGuard® • Howtodetermineifitcanbeofferedtoclientswithexisting

coverage

6. catastrophic disability benefits rider (cAt)• NewCoverageandCATappliedforConcurrently

• CATaddedafterissue


6-1

6 ex

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es/in

dex


6-2

6 ex

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es/in

dex

1. Extended Partial Disability Benefits Rider ExampleAssumptions

• Insuredhas$100,000ofpre-disabilityincomeor$8,333/month

• BasepolicyandEPRbenefitamount=$5,000

• AssumeInsuredsuffersa60%incomelossthroughoutthewaitingperiod and for the next 24 months, so insured is making $3,333 per month:

for the first 12 months benefits payable are determined by the actual income loss up to the maximum epr benefit amount: – 60%loss=$5,000($8,333X.60)

– EPRbenefitamount=$5,000,so$5,000/monthwouldbepayable

thereafter, still assuming a continuing 60% income loss: – $5000lossofincome/8333pre-disabilityincome=.60loss

– $5000EPRfaceamountX.60=$3,000so$3,000/monthwouldbe payable

2. Examples of FIOAssumptions

• Insuredisage35,4Aor5Aoccupationalclass

• Earning$100,000annually

• HasRadius®policywith$5,050($3,700Base+$1,350SIR)monthly benefit

• FIOpoolatissue=$10,000(3x[Base+SIR]toamaximumof$10,000)

At age 38, insured changes job – new income is $115,000IssueLimitIs $5,450(on$115,000income) –$4,100Base –$1,350SIR

$ 400=BenefitGap

insured can exercise $400 fio increaseNewBasePolicyIs $5,450($3,700+$400FIO) +$1,350SIR

$ 5,450 Total Radius® coverage

fio pool remaining is $9,600 ($10,000-$400)

At age 45 insured changes job – new income $280,000IssueLimitIs $12,250(on$280,000income) –$3,700OriginalBase –$1,350OriginalSIR –$ 400PriorFIOOptionIncrease

$6,800BenefitGap

insured can exercise $6,800 fio increaseNewRadius®coverage=$12,250($5,450+$6,800FIO)FIO Pool Remaining Is $ 2,800 $ 10,000 Original FIO Pool –$ 400FirstFIOOption –$6,800SecondFIOOption

$ 2,800 Total Pool Remaining

In this example, the insured was able to more than double disability income insurance with financial underwriting only, as no medical underwriting is required. The FIO also allowed the insured to exercise a $6,800 increase at a single-option period.


6-3

6 ex

ampl

es/in

dex

Assumptions• Insuredisage30anda5Aattorneywhoqualifiesunderthe

StartingProfessionalLimitsforaRadiuspolicyfor$4,000

• FIOpoolatissue=$10,000(3x[Base+SIR]toamaximumof $10,000)

At age 35, insured’s salary increases to $175,000IssueLimitIs $8,025(on$175,000income) –$4,000Base

$4,025=BenefitGap

insured can exercise $4,025 fio increaseNewBasePolicyIs $8,025($4,000+$4,025FIO) $ 8,025 Total Radius® coverage

fio pool remaining is $5,975 ($10,000-$4,025)

At age 40 insured makes partner – new income $280,000IssueLimitIs $12,250(on$280,000income) –$4,000OriginalBase –$4,025PriorFIOOptionIncrease

$4,225BenefitGap

insured can exercise $4,225 fio increaseNewRadius®coverage=$12,250($4,000+$8,250FIO)FIO Pool Remaining Is $ 1,750 $ 10,000 Original FIO Pool –$4,025FirstFIOOption –$4,225SecondFIOOption

$ 1,750 Total Pool Remaining

In this example, the insured was able to triple disability income insurance with financial underwriting only, as no medical underwriting is required.


6-4

6 ex

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es/in

dex

3. Example of ABI with FIOToavoidoverinsurancewithfutureincreases,wewillreviewthetotalABIand FIO applied for while coordinating with base coverage. We will also determinehowABIandFIOincreaseswillimpactfuturecoverage.RecallthatwhileclientsmustqualifyfinanciallyforFIO,ABIautomaticallyincreases the base policy amount.

Whendeterminingourmaximumoffer,thetotalbasecoverageplusABIand FIO cannot exceed the client’s current maximum I & P limit by age and occupation class.

example• 3Aoccupationclass

• Clientqualifiesfinanciallyfor$6,000base(assumingnoothercoverage is in-force)

• Can$4,000FIOandABIbeadded?

note: that if issued as applied, the client would exceed our maximum issuelimitof$10,000assumingFIOisfullyexercised(ABIautomaticallyincreases coverage).

two options exist• Applyfor$6,000withfull$4,000FIOwithoutABI

or• Applyfor$6,000with$3,100FIOandABI

ABI=([$6,000x.03]x5)*or$900

FIO=$4,000-$900ABIor$3,100

*Calculation based on ABI features of 3% simple increase for 5 years


6-5

6 ex

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es/in

dex

4. Examples of GSRAssumptions

• Insuredhasbasesalaryof$100,000

• Bonusis$25,000andisequaltoprioryearbonus

• LTDcoversbasesalaryonly–90-daywait

• LTDisanEmployer-PaidPlanwitha25%taxablelevelandPartial benefits

• LTDcoverageequals60%to$5,000cap

• IndividualcontractisRadius®–90-daywait

• InsuredhasGSRA+Boption–365-daywait

• Insuredreturnstoownoccupation

• InsuredhasGSR50%“Wrap”onBasepolicy(100%“Wrap”notavailableifLTDhaspartial)


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GSR Example

$3,021 Individual Radius®Benefit (ExtendedPartialRiderincluded)

$3,750NetLTDBenefit

$1,875GroupSupplementRider (Additionalreturn-to-workbenefit)

90 days 365 days to Age 65

$3,021 represents the maximum amount of individual coverage the Insured can purchase.

$3,750representsthenetamountofLTDtheInsuredwillreceivefromhisemployer-paidplan,$5,000X.75=$3,750(taxablerateof25%).

$1,875representsthemaximumGSRbenefitavailableonaproportionatebasisoncetheInsuredreturnstoworkwhilestillpartiallydisabled(50%ofnetLTDbenefit).

Inthiscase,iftheInsuredreturnstoworkat50%ofthetimeanddoesnothavetheGSR,thetwobenefitstreams(theLTDandRadius®) would be reducedby50%.Thenetbenefitwouldonlybe$3,125,orjust30%ofhis/herpriorincome.However,withtheGSRanadditional$938ofbenefitwouldbepaidmakingthetotalbenefit$4,063oralmost50%ofhis/herpriorincomewhenadjustedfortaxes.Thebenefitscombinedwithhis/herearningstheInsuredwouldactuallyreceivealmost100%ofhis/herpriorpaywhileworkingonly50%ofthetime.

Calculation of Group Supplement Rider (GSR) Coverage Amountnote:OurillustrationsystemswillautomaticallycalculatethemaximumGSRcoverageavailablebasedonGroupLTDinformationenteredintothesystem.

information required to calculate Gsr coverage Amount• TheInsured’sincome

• GroupLTDplanparameters(PlanFormula,Partial/Residual/RehabilitationBenefits,DefinitionofCoveredIncome)

• WhoispayingthepremiumforgroupLTD?

• WhoispayingthepremiumforindividualDIcoverage?

coverage Amount determination – “50% or 100% wrap”Ingeneral,theamountofGSRcoverageisamirrorofthegroupLTDbenefit.

• IfthegroupLTDplanpaysnobenefitwhentheInsuredgoesbacktowork,theGSRamountisequaltothegroupcoverageamount–100%Wrap.(Willrequiregroupbenefitbookletattimeofunderwriting)

• IfthegroupLTDplanoffsetsforback-to-workearningswhentheInsured returns to work or pays partial benefits based on a loss ofincomeformula,theGSRamountisequaltohalfofthegroupcoverageamount–50%Wrap

• IfthegroupLTDplanpaysfullbenefitswhentheInsuredgoesbacktoworkinanewoccupation,GSRCoverageBisnotavailable


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Calculation ExampleAssumptions

• Annualincome=$120,000/yearor$10,000/month

• GroupLTDplancovers60%ofincometoamaximumof$6,000and pays proportionate partial benefits based on loss of income

• Employer-paysGroupLTDpremium,individualpaysDIpremium.Example“A”(seeI+PChartfordetails)

base policy calculationNon-taxableParticipationLimit ($120,000incomex.65) $6,500GroupLTDBenefit($6,000x.75) $4,500MaximumBasePolicyCoverage $2,000

Group supplement rider calculationMaximumGSRCoverage(100%Wrap) (100%WrapunavailablebecauseLTD paysaPartialbenefit) N/AMaximumGSRCoverage(50%Wrap) $4,500 x .50 $ 2,250

TheInsuredcanonlypurchaseupto$2,250GSR(50%“Wrap”)becausetheLTDpaysapartial/proportionatebenefitbasedonlossofincome.

5. RetireGuard®

how to determine if retireGuard® can be Added to an existing contractGuidelineshavebeenestablishedtodeterminewhatcanbeissuedforRetireGuard® when the client has existing coverage. For clients that are not overinsuredbasedonincome,wewillissueaRetireGuard® policy or add a RetireGuard®riderupto$3,000overtheMaximumI&PLimits.

steps• DeterminethattheclientisNOToverinsuredbasedoncurrentincome

– IftheclientisoverinsuredBASEDONINCOME,RetireGuard®CANNOTbeoffered


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• DeterminetheMaximumI&PLimit,add$3,000thensubtractthe total in-force coverage. This will equal our maximum RetireGuard®offertoincludeFIO,subjecttocurrentRetireGuard® issue limits and FIO rules

example 1• 38-yearold,3AoccupationclassindividualinNY

• Earns$250,000anddefers$12,000/yr.intoa401(k)plan

• Employercontributesanadditional$6,000

• Client’sin-forcecoveragetotals$11,000/mo.(disc.Groupof$6,000+$5,000IDI)

At$250,000,$13,542/mo.isavailable.Clientisnotoverinsured.

Totalannualretirementcontributionsare$18,000/yr($12,000employeecontribution plus $6,000 employer contribution)

MaximumParticipationLimit=$15,000+$3,000or$18,000lessin-forcecoverageof$11,000or$7,000(theclientwillnotbesubjecttothecurrent,maximumRetireGuard® limit)

ThiswouldallowtheclienttobeissuedaRetireGuard®policyof$1,500/mo.($18,000/12)alongwithFIOof$3,000(2xbase).

example 2• 42-yearold,3PoccupationclassinRI

• Physicianisabusinessownerwhoearns$540,000peryearincluding a $40,000 retirement contribution made by the business

• Client’sin-forcecoveragetotals$21,000(disc.Groupof$15,000 +$6,000 IDI)

At $750,000 the client would qualify for our maximum coverage, based on income, therefore, with $16,000 of in-force coverage, client is not overinsured.

Total annual retirement contributions are $40,000.

MaximumParticipationLimit=$15,000+$3,000or$18,000lessin-forcecoverage of $16,000 or $2,000

ThiswouldallowtheclienttobeissuedaRetireGuard®policyof$2,000/mo.NoFIO will be available since the maximum amount over the limits has been met.


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continued

6. CAT Rider Benefit CalculationWhen considering Disability Income, MassMutual typically covers or participatesincoveringbetween60%and80%ofaperson’sincome,depending on tax status. We have designed the CAT rider to replace the remaining40%to20%.Assuch,wewillofferCATcoverageonthediffer-ence between our maximum i & p limits and total current monthly income, subject to a CAT rider maximum of $12,000.

NotethattheCATcalculationisnotbasedonwhattheclientisapplyingforbutratherthemaximumI&Plimit(basedonincomeoroccupationclass,whichever is less).

The CAT rider will not be offered to those clients who are currently overin-sured based on income. We will, however, issue the CAT rider to those clients who are over our maximum I & P limits, not to exceed $12,000.

procedure – new coverage and cAt Applied for concurrently1. Determineapplicant’stotalmonthlyincome*

2. Determine what replacement ratio or limit chart should be used

3. Calculatecurrentissue/participationlimitbasedonincomeorMaximumI&PLimit,whicheverisless

4. Subtract figure determined in Step 3 from monthly income determinedinStep#1

5. CAT rider maximum will be answer in Step 4 or $12,000, whichever is less

*Income means earned income as defined in the base policy

example 11. Employeewithannualsalaryof$450,000or$37,500/mo.,4A

occupation class

2. ReplacementRatioof65%shouldbeusedsincetheclienthasgroup coverage and will pay for base and CAT coverage

3. $450,000x.65=$292,500or$24,375/mo.MaximumParticipationLimitis$30,000/mo.Chooselesseror$24,375/mo.

4. MonthlyEarnedIncome$37,500less$24,375=$13,125

5. Compareto$12,000/mo.maximumLesseramountof$12,000isalso CAT Maximum


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example 21. Businessownerwithannualearnedincomeof$80,000or$6,667/

mo., 3A occupation class

2. “Non-TaxableIssueLimitChart–NoGroup”shouldbeusedsincetheclienthasnoGroupLTDin-forceandwillpayforbaseand CAT coverage

3. TableIssueLimitis$4,250/mo.MaximumIssueLimitis $10,000/mo.Chooselesseror$4,250/mo.

4. MonthlyEarnedIncomeof$6,667less$4,250=$2,417

5. Compareto$12,000/mo.maximumLesseramountof$2,417isalso CAT Maximum

procedure – cAt Added After issue *1. Determineapplicant’stotalmonthlyincome**

2. Determine total in-force coverage from all sources (MMandnon-MM)

3. Determine if client is overinsured based on income

A)If“YES”–CATisnotavailable

B)If“NO”–Continue

4. Determine if client’s total in-force coverage exceeds our MaximumI&PLimits

A)If“NO”–Continuetostep6

B)If“YES”–newCATmaximumwillbeestablished(step5)

5. NewCATMaximum=$12,000–amountovermaximumI&P

6. CAT=MonthlyIncome–greaterof:MaxcoverageavailablebasedonMaximumI&PLimitortotalin-forcecoverage(subjecttoCATmaximum;lesserof12Kor“newCATMaximum”)

* CAT can be added to existing Radius® 10, 07, 04, 01 and 98 series policies.

**Income means earned income as defined in the base policy

example 11. Earnedincome=$30,000/mo.(2AOccClass,GroupN/TTable)

2. Totalin-force=$12,000

3. ClientisNOToverinsuredbasedonincome(65%RR)

4. ClientisovermaximumI&Plimits(I&P=$10,000)by$2,000

5. NewCATmaximum=$10,000($12,000-$2,000)

6. $30,000-$12,000=$18,000,subjecttomaximumof$10,000or$10,000 CAT


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example 21. Earnedincome=$10,000/mo.(4AOcc.ClassUsingNoGroup

N/TTable)


3. ClientisNOToverinsuredbasedonincome($5,650available–NogroupN/Ttable)

4. ClientisNOTovermaximumI&PLimits($15,000limit)

5. N/A

6. $10,000-$5,650=$4,350CAT

example 31. Earnedincome=$5,000/mo.(3AOcc.Class)


3. ClientisNOToverinsuredbasedonincome($3,470available–withGroupN/TTable)

4. ClientisNOTovermaximumI&PLimits($15,000limit)

5. N/A

6. $5,000-$3,470=$1,530CAT

example 41. Earnedincome=$10,000/mo.(4AOcc.Class)


3. ClientISoverinsuredbasedonincome(only$5,650available–NoGroupN/TTable)

cAt not available

index1099 Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-11Benefit Payout Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-163Agent Licensing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-9Application Forms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-20Additional Monthly Benefit Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-78 Association Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-10Automatic Benefit Increase Rider (BOE)) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-77Automatic Benefit Increase Rider (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . . . . .5-131Automatic Benefit Increase Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-13Avocations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-11Benefit Taxation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-43Build Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-14Business Overhead Expense Policy Information (BOE-01 Series) . . . . . . . . . . . . .5-67 Financial Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-89 Issue and Participation Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-86 Medical Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-88 Modal Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-87 Riders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-77 Underwriting Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-86

Business Owner Benefit Increase Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-4Business Owner Upgrade Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-8Buy-Sell Policy Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-91 Agreement Types . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-102 Business Calculations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-107 Financial Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-116 Issue and Participation Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-106 Medical Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-115 Modal Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-113 Riders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-100 Tax Implications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-103 Underwriting Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-104

Catastrophic Disability Benefit Rider (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . .5-132Catastrophic Disability Benefit Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . .5-14


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Claim Forms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-37Claim FAQ’s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-39Claim Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-37Cost of Living Adjustment Rider (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . . . . . .5-136Cost of Living Adjustment Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-19Cost of Living Adjustment Rider (RetireGuard) Standalone . . . . . . . . . . . . . . . . . .5-63Complete Application Package . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-1Concurrent Life and Disability Income Application Process . . . . . . . . . . . . . . . . . .1-7Contract Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-23Corporate Situs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-9Cross Sell Discount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-6DI Masters Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-3Discounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-6Earned Income for Business Owners . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-1ERISA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-12Examples ABI with FIO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-5 CAT Rider Benefit Calculation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-10 Extended Partial Disability Benefits Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-2 FIO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-3 Group LTD with Individual Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-40 GSR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-6 RetireGuard® . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6-8

Exclusion Riders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-16Extended Partial Disability Benefits Rider (MaxElect 12) . . . . . . . . . . . . . . . . . .5-137Extended Partial Disability Benefits Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . .5-20Federal Employees Retirement System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-5Federal Income Tax Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-5Financial Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-9Financial Underwriting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-1Future Insurability Option Rider (BOE) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-79Future Insurability Option Rider (Buy-Sell) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-100Future Insurability Option with MaxElect . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-140Future Insurability Option (RetireGuard Standalone) . . . . . . . . . . . . . . . . . . . . . . .5-63Future Insurability Option (Pre FIO 11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-26Future Insurability Option 11 (Radius 12 ) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-23


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General Product Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-1General Underwriting Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-1Graded Premium (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-43Graded Premium with contract changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-26Group Identification Number (GIN) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-2Group Supplemental Rider (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-142Group Supplemental Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-25Guaranteed Insurability Option Benefit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-40Guaranteed Standard Issue (GSI) Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-3HIV Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-28Income Protection Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-81Independent Contractor, Occupation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-29Issue and Participation Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-17Long Term Care Purchase Credit (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . . . . . .5-156Long Term Care Purchase Credit (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-41Managerial Duties Endorsement (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-11Managerial Duties Endorsement (BOE) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-85MaxElect® 12 Policy Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-119 Financial Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-161 Medical Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-160 Modal Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-157 Riders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-130

Medical Underwriting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-13Multi-Life Cases Defined . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-1Multi-Life Discounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4-2Net Worth . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-3New Business, Insuring . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-3Non-Taxable Issue Limit Chart No-Group LTD . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-25Non-Taxable Issue and Participation Limit Chart with Group LTD Only – Radius . . . .3-34Non-Taxable Issue and Participation Limit Chart with Group LTD Only – MaxElect . .3-36Occupation Classes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-12Occupational Underwriting/Classifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-1Outlines of Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-19Overinsurance Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-9Own-Occupation Rider (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-146


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Own-Occupation Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-29Partial Disability Rider (BOE) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-82Partial Disability Benefits Rider (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . . . . . . .5-148Partial Disability Benefits Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-31Policy Administration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-18Policy Changes by Type . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-25Policy Dating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-18Policy Delivery Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-18Policy Placement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-10Premium Payment Option Disclosure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-164Professional Replacement Expense Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-84Public Employees Retirement Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-6Qualified Sick Pay Plans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-8Radius® 12 Series Policy Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-3 Financial Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-48 Medical Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-47 Modal Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-44 Riders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-13

Radius Executive Select Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-3Radius Transition Select Policy Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-51 Financial Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-56 Medical Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-55Rated Cases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-17Real Estate Developers, Occupation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-43Reinstatement Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-24Renewal Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-30Rental Expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-4Replacing Coverage Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-19RetireGuard® Policy Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-59 Financial Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-66 Eligible Retirement Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-61 Medical Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-65 Underwriting Rules . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-62

RetireGuard Rider (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-149RetireGuard Rider (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-32


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Risk Located States . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-20Right to Apply . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-23Short Term Disability Benefits Riders (MaxElect 12) . . . . . . . . . . . . . . . . . . . . . 5-155.Short Term Disability Benefits Riders (Radius 12) . . . . . . . . . . . . . . . . . . . . . . . . .5-39Social Insurance Rider (MaxElect) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-153Social Insurance Rider (Radius) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-36Special Occupations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-9Spouse Discount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-6State Cash Sickness Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-6Survey Applications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-15Tax Consequences – BOE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-14Tax Consequences – Buy-Sell . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-15Tax Consequences – DI . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-12Taxable Issue Limit Chart No-Group LTD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-30Taxable Issue and Participation Limit Chart with Group LTD Only . . . . . . . . . . . .3-38Temporary Visa Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-8Travel and Residence Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-8Unearned Income Offset . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3-1Working from Home Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-7Wrap Guidelines for Federal Employees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2-5Starting Professional BOE Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-86Starting Professional Buy-Sell Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5-105Starting Professional DI Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-4

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not for use in cAliforniA.

A di reference Manualfor Financial Professionals

Disability Income InsuranceReference Manual• Radius®

• Radius Transition Select• RetireGuard®

• Business Overhead Expense• Buy-Sell• MaxElect®

disability income insurance

Reference Manual

© 2013 Massachusetts Mutual Life Insurance Company, Springfi eld, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affi liated companies and sales representatives.

DI1075 913 CRN201508-175430

Documents

Reference Manualsouthwestdi.com/pdfs/products/mass_mutual... · 6/13/2011 · . MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual)