Beyond traditional coverage, our medical benefits include a wide range of specialized resources — from family planning, to chronic condition management, to surgical decision support. Healthcare benefits are structured to support affordability and access, keeping care within reach for all employees and their loved ones. We make preventive care a priority, and encourage important checkups and screenings through Live Healthy, Live Well incentives.

All MassMutual employees and their household members also have access to robust mental health support — including a total of 24 free coaching and counseling sessions each year — as well as unique programs like the Well‑Being Wallet, which reimburses up to $1,250 annually for a diverse set of wellness expenses. In 2025, more than 99 percent of MassMutual employees used this benefit, receiving nearly $6.9 million in support for their personal well‑being journeys.

Our time off and leave programs are designed to be flexible and inclusive, recognizing that “family” looks different for everyone. From ample paid leave for new parents to significant financial support for adoption and surrogacy, as well as caregiver and bereavement leave that covers anyone employees consider a loved one, we make it easier for them to navigate life’s big moments with confidence and support.

We also offer benefits that help employees manage day-to-day responsibilities, including discounts on primary and backup care, auto/home insurance, and pet insurance. In the office, we focus on making the most of our time together with employees coming together at least three days per week. There are two anchor “in office” days; employees choose their third day and work remotely the rest of the time. Flexibility is a priority with designated company-wide remote Fridays and up to seven remote weeks each year that employees can use to work from nearly anywhere.

Helping Employees Secure Their Future

Every day in our business, we see the importance and impact of planning for the long term. And along with helping others, we want our employees to realize long-term financial security in their own lives.

Our retirement benefits stand out in the industry, giving employees the opportunity to receive company contributions totaling up to 10 percent of their eligible compensation. Starting at age 45, employees receive monthly contributions to an account they can use in retirement for qualified health expenses. And for those working to pay off student debt, eligible student loan payments are treated the same as 401(k) contributions, earning employees matching contributions to their retirement savings.

Additional offerings — from company-paid life and disability insurance, to free financial and estate planning, to identity and fraud protection — help to round out a suite of financial benefits that helps employees secure their future while managing today’s priorities.

What Does Well-Being Look Like to You?

In 2025, employees used their Well-Being Wallets in thousands of ways to meet their own personal definition of self-care. Here’s just a sampling:

• Ski passes: From Killington, Vermont, to Sunburst, Wisconsin
• Concerts: The Phoenix Symphony and the Bourbon & Beyond Music Festival
• More than $500,000 in childcare fees
• Plant love: Visits to the Houston Botanic Garden and Connecticut Flower and Garden Show, plus a peony garden
• Lots of golf gear. Really, a lot
• Furry family members: Including an American Bulldog, Newfoundland, and Bernese Mountain Dog
• Classes and lessons: From fencing, to stained glass art, to Orangetheory Fitness

44. Based on 2025 MassMutual Employee Engagement Survey.