Benefits Handbook

You are "Actively-At-Work" if you are fulfilling your job responsibilities at a Company-approved location on the day coverage is supposed to begin (e.g., you are not out ill or on a leave of absence).

The benefit payment is 60% of your covered benefit amount (subject to a monthly maximum of $15,000).

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

The Plan offers two coverage options: a 50% option and a 100% option.

The covered benefit amount is used to determine the annual Long Term Disability Bonus Income plan payment. It is determined by applying the coverage option percentage you elect to your eligible bonus. The covered benefit amount is subject to a maximum of $300,000 and if the 50% option is elected, a minimum of $50,000.

To be considered disabled, you must be "totally" disabled. During the first 30 months of an approved disability (including the first six months under the Short Term Disability Plan), you are considered totally disabled if you are unable to continuously perform the substantial and material duties of your present occupation because of an illness or injury, as long as you are not engaged in any other occupation or employment. Medical certification of disability is required, and you must be under the regular care of a licensed physician who is qualified to treat your condition. You are responsible for any costs you may incur to initially qualify for disability, such as providing medical records or submitting to an independent medical examination. The Plan does not cover these costs.

The Plan's definition of total disability changes after 30 months (including the first six months under the Short Term Disability Plan). After this period, you are considered totally disabled and eligible for benefits if you are continuously unable to engage in duties of any substantial gainful employment for which you are reasonably qualified by education, training or experience. You must be under the regular care of a licensed physician who is qualified to treat your condition.

You or your doctor may be asked periodically to provide proof of your continuing disability. You will be responsible for any doctor's charges or other costs associated with providing such proof. The Plan does not cover these costs.

An eligible bonus for coverage under the Long Term Disability Bonus Income Plan is an annual incentive bonus award granted through the Company's incentive compensation plans. The definition of eligible bonus includes amounts awarded for a performance year regardless of whether paid promptly following such award, or deferred to a future year, whether distributed in cash or shares of Marsh & McLennan Companies common stock, or whether denominated in cash, stock bonus units (SBUs), other equity-based awards, or any combination thereof.

The definition of eligible bonus excludes amounts that are not awarded as part of an annual incentive bonus award, such as long-term incentive compensation awards, sign-on bonuses, retention bonuses, non-recurring awards, one-time only special recognition awards, commission payments or commission-based incentive awards or awards based on Marsh & McLennan Companies common stock that are not a part of an annual incentive bonus award.

Despite the general rule above, an Operating Company may approve the inclusion of commission payments or commission-based incentive awards from US sales incentive plans as well as other variable compensation in the definition of an eligible bonus under the Long Term Disability Bonus Income Plan for the employees of that Operating Company. Any such approved inclusion of compensation in the definition of an eligible bonus will be uniformly applied to similarly-situated employees of that Operating Company. Marsh and Mercer have approved the inclusion of the following in the definition of eligible bonus under the Long Term Disability Bonus Income Plan.

For the purposes of the Long Term Disability Bonus Income Plan your eligible bonus is the higher of:

Evidence of Insurability is proof of good health and is generally required if you do not enroll for coverage when you first become eligible, if the coverage level you are requesting requires such evidence, or if you are increasing coverage. Establishing Evidence of Insurability may require a physical examination at the employee's expense. The Evidence of Insurability must be provided to and approved by the insurer before coverage can go into effect.