Plan LTD offers protection if an employee is disabled by a serious illness or injury for more than six months. LTD-50 provides a benefit of 50 percent of salary and is provided at no cost to employees. LTD-70 provides a benefit of 70 percent of salary. Employees contribute to the cost of LTD-70. Voluntary Insurance Program Automobile, homeowners and tenants insurance can be purchased through a local casualty insurance firm in Springfield available through a toll-free telephone number.
Employees can have the premiums deducted from their paychecks.
A personal insurance advisor is available on site in Hartford and Springfield to meet with employees and their dependents on personal insurance needs. These include life insurance and disability income protection, retirement and pension planning and business insurance on enterprises outside of MassMutual. FSA maximums are as of January 2001 and are subject to change. Contributions must be applied to eligible expenses incurred each year, and any unused amounts are forfeited. All rights reserved.