MassMutual Agents’ Welfare Benefits Plan

MassMutual Agents' Welfare Benefits Plan Dental Summary Plan Description for Agents Effective January 1, 2014

This Summary Plan Description (SPD), published in October 2014, takes the place of any SPDs and Summaries of Material Modifications (SMMs) previously issued to you describing your benefits.

MassMutual Dental ? Agent

October 2014

Page 1 of 45

Table of Contents

Disclaimer ..................................................................................................................................................................3 Introduction ................................................................................................................................................................4 Eligibility .................................................................................................................................................................... 5 Enrollment ..................................................................................................................................................................9 Cost of Coverage ......................................................................................................................................................12 Contact Information..................................................................................................................................................13 How the Plan Works.................................................................................................................................................14 Schedule of Benefits.................................................................................................................................................17 Your Dental Benefits ? The Details .........................................................................................................................19 Exclusions and Limitations ......................................................................................................................................21 Claiming Benefits.....................................................................................................................................................22 Appeals Procedures ..................................................................................................................................................25 About Your Coverage...............................................................................................................................................27 COBRA ....................................................................................................................................................................30 Coordination of Benefits ..........................................................................................................................................33 Administrative Information ......................................................................................................................................37 Plan Information.......................................................................................................................................................38 ERISA Rights ...........................................................................................................................................................40 Dictionary Terms......................................................................................................................................................42

MassMutual Dental ? Agent

October 2014

Page 2 of 45

Disclaimer

This Summary Plan Description (SPD) provides details of the dental options available through the MassMutual Agents' Welfare Benefits Plan (the "Plan"). This SPD contains detailed and important information about the Plan's dental options; every attempt has been made to communicate this information clearly and in easily understandable terms. This SPD replaces and supersedes all previous SPD versions and Summaries of Material Modifications (SMMs).

Benefits are determined under the terms of the Plan in effect at the time you become eligible for the specific benefits. Benefits are based on current laws and regulations, which are subject to change. Massachusetts Mutual Life Insurance Company ("the Company" or "MassMutual") reserves the right to modify, revoke, change, suspend or terminate any one or all plans, programs, policies, benefits or services described in this SPD or the underlying Plan documents at any time and from time to time, with or without notice. This SPD does not guarantee any particular benefit. Receipt of this SPD describing the Plan or option for which you are not eligible does not imply that you are eligible. To be entitled to benefits, you (and your dependents) must meet the Plan's eligibility requirements.

In the event of a discrepancy between descriptions in this SPD and information in relevant Plan documents, the Plan documents will govern.

Career contract and general agents are independent contractors; provision of benefits does not change that relationship.

MassMutual Dental ? Agent

October 2014

Page 3 of 45

Introduction

This Summary Plan Description (SPD) describes the Cigna dental options. Be sure to read this SPD so you are aware of all Plan provisions.

The Plan offers you a choice of dental coverage ? basic or major. You will need to satisfy the requirements described in this SPD to receive coverage under the Cigna dental options. Be sure to read through this booklet to learn more, including who is eligible, how the Plan works and what is and is not covered.

MassMutual Dental ? Agent

October 2014

Page 4 of 45

Eligibility

Eligible Participants

You are eligible for dental coverage under the Plan if you have an active career agent, general agent (GA) or general manager (GM) contract with or endorsed by MassMutual.

Production Requirements

As a career contract agent, to be eligible for subsidized dental benefits, each year you must satisfy certain contract requirements: ? Non-Financed Career Contract Agent: Annual contract minimum requirements; ? Financed Career Contract Agent: Cumulative financing plan validation requirements; or ? Sales Manager/Unit Sales Manager: Annual sales manager compensation plan requirements.

These requirements, updated from time to time, are available in Company memoranda on FieldNet. For a career contract agent receiving disability benefits under the MassMutual Agents' Welfare Benefits Plan, continued eligibility requirements for coverage are currently described in Company Memorandum 2013-021, Contract and Benefit Production Requirement Exceptions for Disabled Agents (or its successor) available on FieldNet.

If You Do Not Meet Production Requirements

If you are an eligible non-financed career contract agent and do not meet the annual contract minimum requirements, your subsidized coverage can continue until March 31 of the following year, provided your contract remains active.

If you continue to hold a career agent contract and you are unsubsidized, you may continue coverage at unsubsidized rates with After-Tax contributions. Unsubsidized agents can request to drop or decrease their dental coverage at any time between April 1 and the end of the year by notifying Producer Services & Operations. These requested changes will be effective the first of the month after Producer Services & Operations receives the request via email or telephone.

You may re-qualify for subsidized benefits on a Before-Tax basis if you meet certain production requirements during the calendar year. Once the requirements are met, subsidized benefits will begin the first of the month following qualification.

If your career agent contract is terminated, based on your dental coverage in place immediately before the date your contract is terminated, you may elect to continue dental coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA); this election must be completed within 60 days after you are notified of your COBRA rights; see the COBRA section for more information.

Note: Under the most recent career corporate contract, subagents of an entity are not eligible for participation in any Company retirement, welfare or other benefit plan or program offered by the Company (as described in Company Memorandum 2011-004).

MassMutual Dental ? Agent

October 2014

Page 5 of 45

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