The Plan at a Glance

MMC Benefits Handbook


Plan Feature	Highlights
How the Plan Works	The Plan automatically gives you a benefit that is 40% of your monthly pre-disability earnings (annual base salary, excluding overtime, bonuses, commissions and other extra compensation), up to a monthly maximum benefit of $17,333. This means that if you have an approved disability, you will receive this amount for the approved duration of your disability less any applicable offsets. Your benefit may be reduced by other disability income benefits (as described in "Other Sources of Disability Benefits"), and federal tax withholding. See "How the Plan Works" for details. If you are employed by any entity in Bermuda, the monthly benefit is 60% of your pre-disability earnings, up to a monthly maximum benefit of $26,000.
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 become eligible on your eligibility date. See "Participating in the Plan" for details.
Enrollment	You do not need to enroll in Basic Long Term Disability Plan coverage. You are automatically enrolled in the Plan on your eligibility date. See "Participating in the Plan" for details.
Evidence of Insurability	You do not need to provide Evidence of Insurability to get coverage in Basic Long Term Disability.
Cost of Coverage	You do not pay anything for your basic long term disability coverage. Marsh McLennan pays the entire cost.
Disability Payment Details	Your long term disability benefit is based on your pre-disability earnings in effect before you become disabled up to a maximum covered annual base salary of $520,000. Your payments under the Basic Long Term Disability Plan will begin after 26 weeks of an approved disability. Prior to this time, you may be able to receive benefit payments from: the Short Term Disability Plan your Company's sick pay policy. However, there are exceptions to the normal payment period if: your disability starts on, or after, age 62.
Contact Information	For more 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 does not administer this Plan. The Hartford Life and Accident Insurance Company's decisions are final and binding.