The Plan at a Glance

MMC Benefits Handbook


Plan Feature	Highlights
How the Plan Works	You can elect to cover an additional 20% of your monthly pre-disability earnings (annual base salary, excluding overtime, bonuses, commissions and other extra compensation), up to a maximum monthly benefit of $8,667. (The total maximum monthly benefit for the Optional Long Term Disability Plan and Basic Long Term Disability Plan combined is $26,000.) This means that if you have an approved disability, you will receive a total of 60% (including the 40% provided under the Company's Basic Long Term Disability Plan) of your monthly pre-disability earnings for the approved duration of your disability. 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 become eligible on your eligibility date. See "Participating in the Plan" for details.
Enrollment	You enroll in the Optional Long Term Disability Plan by going to Colleague Connect (https://mmcglobal.sharepoint.com/sites/home), click Pay & Benefits and select Aptia365 Benefits Enrollment Website under Benefits. You must enroll within 30 days of when you are first eligible. If you do not enroll when you are first eligible, Evidence of Insurability is required. See "Participating in the Plan" for details.
Evidence of Insurability	If you enroll within 30 days of when you are first eligible, you do not have to provide Evidence of Insurability. If you do not enroll within 30 days of when you are first eligible, you have to provide Evidence of Insurability.
Cost of Coverage	If you elect Optional Long Term Disability coverage, you pay the full cost for coverage.
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 Optional 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.