MMC Benefits Handbook
The Optional Long Term Disability Plan
Plan Name
Marsh McLennan Companies Optional Long Term Disability Plan
The plan forms part of the Marsh & McLennan Companies Health & Welfare Benefits Program.
Plan Number
501
Plan Type
This is a long term disability plan.
Plan Year
The plan year is January 1 - December 31.
Plan Sponsor
The Plan Sponsor is:
Marsh McLennan
Waterfront Corporate Center
121 River Street
Hoboken, NJ 07030
Plan Administrator
The Plan Administrator is the Marsh & McLennan Companies, Inc. Benefits Administration Committee and can be reached at:
Plan Administrator – Optional Long Term Disability
c/o Global Benefits, 3rd Floor
Marsh McLennan
Waterfront Corporate Center
121 River Street
Hoboken, NJ 07030-5794
Telephone: +1 201 284 4000
The Plan Administrator is responsible only for determining eligibility to participate in the plan.
Group Contract Number
The group insurance policy number is GLT-342135.
Source of Benefits Funding and Trustee
The Optional Long Term Disability Plan is partially self-insured by the Company and partially insured by The Hartford Life and Accident Insurance Company. Contributions are intended to be made by participating employees. These contributions are held in the Marsh & McLennan Companies Employee-Funded Welfare Benefit Trust by the trustee:
Mellon Trust
135 Santilli Highway
Everett, MA 02149
The Company pays the premiums for the insured portion of the plan directly to The Hartford Life and Accident Insurance Company.
Benefits for the self-insured portion of the plan are payable solely from the trust and benefits for the insured portion of the plan are payable solely by The Hartford Life and Accident Insurance Company.
The Company has engaged the services of The Hartford Life and Accident Insurance Company to be the Claims Administrator, who is responsible for processing all claims for the plan, except with respect to claims for eligibility to participate.
Claims Administrator
The Hartford Life and Accident Insurance Company
P.O. Box 14306
Lexington, KY 45012-4306
Phone: +1 866 432 6727
Fax: +1 866 411 5613
For filing a claim:
If you have elected Optional Long Term Disability coverage and have been disabled due to a non-work related medical condition for a period greater than seventeen weeks, a Long Term Disability Claim will automatically be initiated by the Claims Administrator. The Claims Administrator will send a Long Term Disability forms packet to you for completion to your home address. The forms should be returned to The Hartford Life and Accident Insurance Company as soon as possible. The receipt of these forms by the Claims Administrator constitutes your request for Long Term Disability benefits. A return envelope will be provided for your convenience. For work related disabilities, a claim form will automatically be sent to your home address by Marsh McLennan. If you have been disabled for more than four months, and you have not received the form, you can contact the Marsh McLennan Leave Management Team.
For appealing a claim:
The Hartford Life and Accident Insurance Company
Appeals Unit
P. O. Box 14087
Lexington, KY 40512-4087
Fax: +1 855 339 7249