MMC Benefits Handbook
The Plan at a Glance
Plan Feature
Highlights
How the Plan Works
  • If approved by the Claims Administrator, the Plan provides you with a monthly benefit of 60% of your covered benefit amount, up to $15,000 per month.
  • The covered benefit amount is determined by applying the coverage option percentage you elect to your eligible bonus. The Plan offers two coverage options: a 50% option and a 100% option.
    • The 100% covered benefit amount coverage option is subject to a maximum covered benefit amount of $300,000.
    • The 50% coverage option is subject to a minimum covered benefit amount of $50,000 and a maximum of $150,000.
  • See "How the Plan Works" for details.
Eligibility
  • If you are an employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies and you meet the eligibility requirements, you are eligible to participate in the Long Term Disability Bonus Income Plan.
  • See "Participating in the Plan" for details.
Enrollment
  • The Long Term Disability Bonus Income plan year starts January 1st and ends December 31st. As a newly eligible participant, you can enroll in the Plan during the Annual Enrollment period (normally in November of each year).
  • See "Participating in the Plan" for details.
Evidence of Insurability
  • If you enroll in the timeframe specified when you are first eligible, Evidence of Insurability is not required.
  • If you do not enroll in the timeframe specified when you are first eligible, Evidence of Insurability is required.
Cost of Coverage
  • If you elect Long Term Disability Bonus Income coverage, you pay the full cost for coverage.
  • See "Participating in the Plan" for details.
Contact Information
For general information, contact:
The Hartford Life and Accident Insurance Company
P.O. Box 14306
Lexington, KY 40512-4306
Phone: +1 866 432 6727
Fax: +1 866 411 5613
For claims appeal, contact:
The Hartford Life and Accident Insurance Company
Appeals Unit
P.O. Box 14087
Lexington, KY 40512-4087
Fax: +1 855 339 7249
Marsh & McLennan Companies does not administer this Plan. The Hartford Life and Accident Insurance Company's decisions are final and binding.