MMC Benefits Handbook
The Plan at a Glance
This Plan provides a benefit to someone you name as your Beneficiary if you die in a covered accident, or to you if you suffer Dismemberment as a result of a covered accident. Additional coverage is available for your family members (in which case the benefit is payable to you). The chart below contains some important Plan features and coverage information. For more information, see "How the Plan Works."
Plan Feature
Highlights
How the Plan Works
  • You can elect Voluntary AD&D for you, your spouse or domestic partner and your eligible children.
  • You can elect an accidental death benefit of one to 10 times your salary, rounded to the next $1,000, up to a maximum of $1,000,000. The amount you elect is called the principal sum.
  • You can elect coverage to include your eligible family members. The spouse or domestic partner benefit is:
    • 60% of the principal sum if there are no dependent children at the time of the accident
    • 50% of the principal sum if there are dependent children at the time of the accident
  • The child benefit with family coverage is:
    • 20% of the principal sum up to a maximum of $200,000 if there is no spouse or domestic partner at the time of the accident
    • 15% of the principal sum up to a maximum of $200,000 if there is a spouse or domestic partner at the time of the accident
    • Dismemberment benefits are paid at a percentage of the principal sum.
  • Certain types of losses are not covered.
Eligibility
  • You are eligible to participate in this plan if you meet the eligibility requirements set forth below.
  • See "Participating in the Plan" for details.
Enrollment
  • You must enroll for coverage within 30 days of the date you become eligible to participate or during Annual Enrollment.
  • In order for your eligible family members to be covered, you must elect family coverage.
Cost of Coverage
  • Your cost depends on the amount of coverage you elect.
  • Semi-monthly cost of coverage:
    • For each $1,000 of individual coverage, your semi-monthly contribution is $0.007.
    • For each $1,000 of family coverage, your semi-monthly contribution is $0.010.
  • Weekly cost of coverage:
    • For each $1,000 of individual coverage, your weekly contribution is $0.003.
    • For each $1,000 of family coverage, your weekly contribution is $0.005.
Beneficiary
  • You can name anyone you wish as a beneficiary.
  • You can change your beneficiary at any time.
  • You are always the beneficiary if your covered family members die.
Contact Information
For more information, contact the Claims Administrator:
National Union Fire Insurance Company of Pittsburgh Pa (National Union), an AIG Company
P.O. Box 25987
Shawnee Mission, KS 66225
Phone: +1 800 551 0824 (for Claims and Questions)
Policy Number: Active Group - PAI 9131403
Policy Number: Retired Group - PAI 8062289
Marsh & McLennan Companies does not administer this Plan. National Union's decisions are final and binding.