MMC Benefits Handbook
Individual Disability Insurance Plan
This section provides a summary of the Individual Disability Insurance Plan (Plan) as of January 1, 2019.
This section, together with the Administrative Information section and the applicable section about participation, forms the Summary Plan Description and plan document of the Plan.
Marsh & McLennan Companies offers you the ability to supplement your long term disability insurance protection to cover a higher percentage of your income including bonus and commissions, if you become disabled.
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* in addition to any benefit you may receive from the Basic Long Term Disability Plan, Optional Long Term Disability Plan and/or Long Term Disability Bonus Income Plan.
* Please see "How the Plan Works" under "The Plan at a Glance" for important information about the calculation of benefits under the Plan.
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that governs many employer-sponsored plans including this one. Your ERISA rights in connection with this Plan are detailed in the Administrative Information section.