MMC Benefits Handbook
The Plan at a Glance
Plan Feature
Highlights
How the Plan Works
*Importantly, the calculation of the Individual Disability Insurance benefit payable to you upon a Disability is automatically reduced by the value of benefits offered under the Marsh & McLennan Companies Basic Long Term Disability Plan (Basic LTD), Optional Long Term Disability Plan (Optional LTD) and Long Term Disability Bonus Income Plan (Bonus LTD), regardless of whether you participate in the Optional LTD and Bonus LTD plans.
Eligibility
  • If you are an employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies and you meet the eligibility criteria, you are eligible to participate in the Individual Disability Insurance Plan.
  • See "Participating in the Plan" for details.
Enrollment
  • The Individual Disability Insurance plan year starts September 1st. As a newly eligible participant, you can enroll in the Plan during the Annual Enrollment period (normally in July of each year).
  • See "Participating in the Plan" for details.
Cost of Coverage
  • If you elect Individual Disability Insurance coverage, you pay the full cost for coverage.
  • See "Participating in the Plan" for details.
Contact Information
For more information, contact:
Unum Group (Unum)
The Benefits Center
P.O. Box 100262
Columbia, SC 29202-3262
Phone: +1 800 633 7490 (Monday through Friday 8:00 am – 8:00 pm ET)
Fax: +1 866 562 4794
For filing a claim, contact:
Unum Group (Unum)
The Benefits Center
P.O. Box 100262
Columbia, SC 29202-3262
Phone: +1 888 226 7959 (Monday through Friday, 8:00 am – 8:00 pm ET)
Fax: +1 866 562 4794
For claims appeal, contact:
Unum Group (Unum)
The Appeals Unit
P.O. Box 15112
Worcester, MA 01515-0112
Fax: +1 866 562 4794
Marsh & McLennan Companies does not administer this Plan. Unum's decisions are final and binding.