MMC Benefits Handbook
How Benefits Are Paid
Who will receive the benefit check?
If a covered family member dies as a result of a covered accident or you suffer dismemberment, you will receive the benefit check directly.
If you die as a result of a covered accident, your designated beneficiary will receive the benefit check.
What is considered salary for determining the amount of my Voluntary AD&D benefit?
The following definition of salary is used to determine the amount of your principal sum under this Plan:
  • For Marsh McLennan employees (other than MMA): Salary for the purpose of the Plan is your annual base salary (excluding overtime, bonuses, commissions, and other extra compensation).
  • For MMA employees:
    • Salary for the purpose of the Plan is your annual base salary (excluding overtime, bonuses, commissions, and other extra compensation) or your annual benefits base rate. Annual Benefits Base Rate includes your annual base salary, your annual MMA producer salary, your Guaranteed Annual Draw and the average of the last two years' commissions.
If my salary changes, what happens to my accidental death and dismemberment benefit?
Your Voluntary AD&D benefit is based on your salary and will change when your salary changes (but the benefit will be limited to the maximum coverage level).