Boston Mutual extends our heartfelt sympathy to all those impacted by recent events across the country. Our thoughts are with you and your family during this difficult time.

If you were adversely affected and have questions about your coverage, or are a producer with questions regarding your client’s coverage, please contact us for assistance.  

Boston Mutual Life Insurance Company
Solutions For The Workplace

Today, offering products that help both employers and employees deal with the rising cost of traditional benefits isn’t just good business, it’s the right thing to do. At Boston Mutual, we understand that we’re all in this together, and together, we can help provide a measure of financial security for the people that matter most to you.

What Is Life Insurance

Life Insurance provides protection against the economic loss caused by the death of the person insured. Simply put, life insurance provides a lump sum payment (sometimes known as a death benefit) to beneficiaries in the event of the insured’s death. The amount of premium paid for this coverage varies based on the type of life insurance, the amount of coverage and other factors. Group Life Insurance traditionally is paid for by an employer as part of their employee’s benefit package. Voluntary Life Insurance is typically purchased based on the needs and goals of the individual wanting to insure his/her life. Life Insurance can help replace lost income due to death. This money can also help to pay funeral costs, medical expenses not covered by health insurance, and other outstanding debts.

Life Insurance

Boston Mutual offers a comprehensive portfolio of both Group and Voluntary Life Insurance products.


Term Life Insurance

This is life insurance coverage where the benefit is payable only if the insured dies during a specified period. This coverage is less costly than other types of life insurance as there is no cash value build-up.

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Interest Sensitive Life Insurance

This is life insurance coverage designed to provide lifetime coverage. The death benefit and policy premium are fixed and unlike term insurance, this coverage has a cash value which accumulates over time. The cash value varies according to the insurer's investment earnings and cannot be computed in advance beyond the guaranteed minimums. The coverage may also be eligible for policy loans. It is sometimes referred to as permanent or whole life insurance and the premiums are typically higher than term insurance.

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Boston Mutual offers the following Life Insurance coverages at the Workplace:


Employee Life Option Plus (ELOP) Interest Sensitive Life Insurance

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

  • Permanent life insurance with cash value accumulation
  • Premiums are guaranteed not to increase for the life of the policy
  • Guarantee issue amounts for eligible employees - no medical underwriting required
  • Flexibility to cover the employee, spouse, children and grandchildren
  • Optional riders include Children Term coverage, Accidental Death Benefit, Payor Waiver of Premium / Strike Waiver of premium and our Catastrophic Loss Rider
  • Policy is portable should the employee leave his/her employer
  • Tobacco distinct and blended rates are available

Life policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series BML ICC13 END-95 (ESO) 3/13 and END 95 (ESO) 3/13, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

Value-added services are not insurance and are offered only on specific lines of coverage. Boston Mutual is not responsible or liable for care, services, or advice given by any provider or vendor of the Services. Boston Mutual reserves the right to discontinue any of the Services at any time.

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Group Term Life and Accidental Death & Dismemberment Insurance

Our Group Term Life and Accidental Death & Dismemberment Insurance program offers many combinations of coverage options to meet both Employer and Employees’ insurance needs. Employers can elect to purchase basic coverage for their employees, such as a multiple of salary benefit or a flat amount. They can also offer a Voluntary plan where employees choose the benefit amount they wish to purchase, often without needing to provide evidence of good health. These products may be offered together or on a stand-alone basis. Standard Life Provisions:

  • Flexible Benefit Schedules
  • Competitive Plan Maximums
  • Dependent Coverage available for both Spouse and Children
  • Waiver of Premium – life insurance is continued without premium payments for employees who become totally disabled.
  • Accelerated Death Benefit – available to insured employees with a life expectancy of 12 months or less allowing them to collect a percentage of their life insurance benefit early and the remaining benefit is then payable to the beneficiary.
  • Portability – offers insured employees and their dependents the opportunity to continue their life insurance upon leaving employment while Boston Mutual bills for premium directly to the former employees.
  • Conversion – allows insured employees and their dependents to convert their term life insurance to a permanent life policy without evidence of insurability within 31 days of termination from employment.
  • Bereavement Counseling – provided by our counseling partner Health Management Systems of America offers toll-free counseling services to all beneficiaries.
Standard Accidental Death & Dismemberment Provisions:
  • 24 hour coverage
  • Education Benefit – this benefit payable in the event of an insured employees’ accidental death. This benefit provides each qualified dependent a percentage of the employee’s life insurance for up to four years.
  • Seat Belt Benefit – an additional 50% of the AD&D benefit is payable if the insured’s death is the result of an automobile accident while the insured was wearing a properly secured seat belt.
  • Repatriation of Remains Benefit – payable up to $5,000 to cover expenses occurred to return the body if the insured’s accidental death occurs 100 miles outside of his/her primary residence.

Group life policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series BML GRTP 4/99, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

Value-added services are not insurance and are offered only on specific lines of coverage. Boston Mutual is not responsible or liable for care, services, or advice given by any provider or vendor of the Services. Boston Mutual reserves the right to discontinue any of the Services at any time.

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What Is Accident Insurance?

Accident Insurance is a form of insurance which pays benefits for covered accidental injuries and accidental death. Payouts vary, depending on the severity of the injuries, the type of medical care a person receives for an injury and in some cases if the insured dies as a result of a covered accident. Benefits are typically paid directly to the insured, or to their beneficiary.

Accident Insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury – not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.

Boston Mutual offers the following Accident Insurance coverage at the Workplace:


Group Accident Coverage

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

  • Off-the-Job and 24 Hour coverage options
  • Indemnity amounts payable for many triggers such as:
    • Hospitalization, Intensive Care, Rehabilitation and Ambulance
    • Emergency Room treatment, Urgent Care and Physician's Office
    • Diagnostic Imaging and Therapy Services
    • Fractures, Dislocations, Lacerations and Burns
  • Accidental Death and Dismemberment benefits
  • Guarantee issue for eligible employees, spouses and children
  • Optional riders for Health Screening, Hospital Confinement due to Sickness, Occupational HIV.
  • Policy is portable should the employee leave his/her employer
Click here to see a few examples of sample benefit payments.

Group insurance policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series WPS-ACC 07/15, subject to state availability. Product offerings may vary depending on state laws and regulations.

Group Accident Coverage is a limited benefit policy. It does NOT provide basic hospital, basic medical, or major medical insurance. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. Benefits payable are subject to all terms and conditions of the Policy. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

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Employee Accident Option Plus (EAOP) – Accident Insurance

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

  • Non-Occupational and 24 Hour coverage options
  • Indemnity amounts payable for many triggers such as:
    • Hospitalization, Intensive Care, Rehabilitation and Ambulance
    • Emergency Room treatment, Urgent Care and Physician's Office
    • Fractures, Dislocations, Lacerations and Burns
  • Accidental Death and Dismemberment benefits
  • Guarantee issue for eligible employees, spouses and children
  • Optional riders for Hospital Confinement due to Sickness, increases to the Emergency Room and Physician Office benefits, a Wellness Benefit and Occupational HIV coverage.
  • Policy is portable should the employee leave his/her employer

Accident policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series WS -ACC 08/08, subject to state availability. Product offerings may vary depending on state laws and regulations.

EAOP is a limited benefit policy. It does NOT provide basic hospital, basic medical, or major medical insurance. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. Benefits payable are subject to all terms and conditions of the Policy. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

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What Is Critical Illness Insurance?

Critical Illness Insurance, sometimes referred to as Specified Disease Insurance, is a type of insurance which provides a lump sum benefit if an insured is diagnosed with one of the conditions specifically listed in the policy. Plan designs vary among insurance companies.

Critical Illness Insurance can be extremely helpful in providing needed cash to help with deductibles, co-pays and other expenses related to a serious illness.

Boston Mutual offers the following Critical Illness/Specified Disease coverage at the Workplace:


Employee Critical Illness Plus (ECIP) – Critical Illness/Specified Disease Insurance

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck.

Coverage Highlights:

  • Pays a lump sum benefit for the diagnosis of many conditions such as Cancer, Myocardial Infarction, Stroke, End Stage Renal Disease, Major Organ Transplant, Coma, Paralysis and more.
  • Pays a reduced benefit for Coronary Artery Bypass, Angioplasty and Stent Insertion and Carcinoma in situ.
  • Guarantee issue is often available for eligible employees.
  • Optional riders for Health Screening tests, Genetic Testing, Occupational HIV and Extended Loss.
  • Spouse and Children coverage is also available.

Group insurance policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series WS-CI 04/12, subject to state availability. Product offerings may vary depending on state laws and regulations.

ECIP is a limited benefit policy. It does NOT provide basic hospital, basic medical, or major medical insurance. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. Benefits payable are subject to all terms and conditions of the Policy. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

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What is Disability Insurance?

Disability Insurance, often called DI, Disability Income Insurance, or income protection, is a type of health insurance designed to compensate insured people for the income that is lost because of a disabling injury or illness. Many employers provide their employees with group disability insurance coverage. Disability Insurance may be purchased and paid for by an employer, employee or a combination of both.

Short Term Disability

Employee Paid Short Term Disability

Boston Mutual offers the following Employee Paid Short Term Disability Insurance options at the Workplace:

Disability Insurance Coverage – Employee Disability Option Plus

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Issue Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:
  • Non-Occupational and 24 Hour coverage options
  • Benefit Durations of 13, 26, 52 or 104 weeks
  • Benefit Amounts in $25 increments from $100 to $1,400 per week
  • Guaranteed Issue available for qualifying groups
  • Replacement Coverage is available up to policy limits if replacing existing coverage
  • Residual Disability Benefits included
  • Waiver of Premium begins on the first of the month following the satisfaction of the Elimination Period
  • Telephonic claims with a seamless transition to Long-Term (if in place) and all eligible short-term claims are paid on a weekly basis.
  • Pregnancy is covered the same as any other illness

Group disability policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series BML WS-DI 06/11, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

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Group Voluntary Short Term Disability

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

  • Salary Based or Incremental Benefits
  • Comprehensive Plan Maximums and Guaranteed Issue Amounts
  • Flexible Benefit Durations and Elimination Periods
  • Employer/Employee Buy-Up Options
  • W-2 Reporting Services
  • Employee Assistance Program (EAP)

Group disability policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series GDP 100 and GDP 5/10, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

Value-added services are not insurance and are offered only on specific lines of coverage. Boston Mutual is not responsible or liable for care, services, or advice given by any provider or vendor of the Services. Boston Mutual reserves the right to discontinue any of the Services at any time.

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Employee Paid Federal/Postal

Disability Income Protection Insurance with Accidental Death and Dismemberment Benefits. This coverage is made available to benefit Federal, Postal, Municipal and State employees and the premiums are typically paid through Allotments (payroll deductions).    This Individual Disability product is designed to provide short-term monthly disability income protection that will help cover employee’s expenses while they are disabled due to sickness or injury.  It also offers a Hospital Confinement Indemnity benefit that will pay a benefit if hospitalized due to injury or sickness, and an Accidental Death and Dismemberment benefit that will pay a benefit if death occurs as a result of an accident. Coverage Highlights:

  • 24 Hour Coverage options
  • Benefit Durations of 7 or 20 day, 10 or 30 day, and 14 or 30 day.
  • Benefit Amounts from $100 to $1,500 per month
  • Waiver of Premium for total disability for a period of 90 days after satisfying the elimination period
  • Accidental Death and Dismemberment Benefit available upon receipt of proof of death resulting from accidental injuries
  • Hospital Confinement Indemnity will pay a benefit per diem for up to 30 days if hospitalized due to a covered injury or sickness.
State variations may apply to benefits and features available for this insurance product. Product may not be available in some states.

Group disability policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series DI-TP 7/05, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

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Employer Paid Short Term Disability

Boston Mutual offers the following Employer Paid Short Term Disability Insurance options at the Workplace:

Group Short Term Disability

This coverage is made available to benefit eligible employees and the premium is typically paid all or in part by the employer. This Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

  • Comprehensive Plan Maximums and Guaranteed Issue Amounts
  • Flexible Benefit Durations and Elimination Periods
  • Employer/Employee Buy-Up Options
  • W-2 Reporting Services
  • Employee Assistance Program (EAP)

Group disability policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series GDP 100 and GDP 5/10, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

Value-added services are not insurance and are offered only on specific lines of coverage. Boston Mutual is not responsible or liable for care, services, or advice given by any provider or vendor of the Services. Boston Mutual reserves the right to discontinue any of the Services at any time.

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Long Term Disability

Employee Paid Long Term Disability

Boston Mutual offers the following Employee Paid Long Term Disability Insurance options at the Workplace:

Employee Disability Option Plus (EDOP) – Disability Insurance Your Choice

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Issue Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:
  • Non-Occupational and 24 Hour Coverage options
  • Benefit Durations of 24, 36, or 60 months
  • Benefit Amounts in $100 increments from $300 to $6,000 per month
  • Guaranteed Issue available for qualifying groups
  • Replacement Coverage is available up to policy limits if replacing existing coverage
  • Residual Disability Benefits included
  • Waiver of Premium begins on the first of the month following the satisfaction of the Elimination Period but if both short-term and long-term plans are in place, long-term is waived earlier.
  • Claims are seamlessly aligned with Short Term Disability claims and all eligible claims are paid monthly.
  • Return to work incentives
  • Pregnancy is covered the same as any other illness

Group disability policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series BML WS-DI 06/11, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

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Group Voluntary Long Term Disability

This coverage is made available to eligible employees and union members on a voluntary basis. The premium is typically deducted from the employee's paycheck. This Voluntary Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

  • 24 Hour Coverage
  • Salary based or Incremental benefit options available
  • Comprehensive Plan Maximums and Guaranteed Issue Amounts
  • Flexible Benefit Durations and Elimination Periods
  • Employer/Employee Buy-Up Options
  • W-2 Reporting Services
  • Employee Assistance Program (EAP)

Group disability policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series GDP 100 and GDP 5/10, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

Value-added services are not insurance and are offered only on specific lines of coverage. Boston Mutual is not responsible or liable for care, services, or advice given by any provider or vendor of the Services. Boston Mutual reserves the right to discontinue any of the Services at any time.

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Employer Paid Long Term Disability

Boston Mutual offers the following Employer Paid Long Term Disability Insurance options at the Workplace:

Group Long Term Disability

This coverage is made available to benefit eligible employees and the premium is typically paid all or in part by the employer. This Disability product is priced with Attained Age rated benefits and provides flexible plan design options for income protection that will help employees cover expenses while they are disabled.

Coverage Highlights:

  • Comprehensive Plan Maximums and Guaranteed Issue Amounts
  • Flexible Benefit Durations and Elimination Periods
  • Employer/Employee Buy-Up Options
  • W-2 Reporting Services
  • Employee Assistance Program (EAP)

Group disability policies are underwritten by Boston Mutual Life Insurance Company (Canton, MA) in all states, except New York, under Policy Form Series GDP 100 and GDP 5/10, subject to state availability. Product offerings may vary depending on state laws and regulations. This information is not intended to be a complete description of the insurance coverage available. Policies have exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the policy form or contact your Boston Mutual representative.

Value-added services are not insurance and are offered only on specific lines of coverage. Boston Mutual is not responsible or liable for care, services, or advice given by any provider or vendor of the Services. Boston Mutual reserves the right to discontinue any of the Services at any time.

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