The Plan at a Glance

MMC Benefits Handbook

This Plan provides a benefit to someone you name as your Beneficiary if you die in a covered accident, or to you if you suffer Dismemberment as a result of a covered accident. Additional coverage is available for your eligible family members (in which case the benefit is payable to you). The chart below contains some important Plan features and coverage information. For more information, see "How the Plan Works."


Plan Feature	Highlights
How the Plan Works	You can elect Voluntary AD&D for you, your spouse or domestic partner and your eligible children. You can elect an accidental death benefit of one to 10 times your salary, rounded to the next $1,000, up to a maximum of $1,000,000. The amount you elect is called the principal sum. You can elect coverage to include your eligible family members. The spouse or domestic partner benefit is: 60% of the principal sum if there are no covered dependent children at the time of the accident 50% of the principal sum if there are covered dependent children at the time of the accident The child benefit with family coverage is: 20% of the principal sum up to a maximum of $200,000 if there is no covered spouse or domestic partner at the time of the accident 15% of the principal sum up to a maximum of $200,000 if there is a covered spouse or domestic partner at the time of the accident Dismemberment benefits are paid at a percentage of the principal sum. Certain types of losses are not covered.
Eligibility	You are eligible to participate in this plan if you meet the eligibility requirements set forth below. See "Participating in the Plan" for details.
Enrollment	You must enroll for coverage within 30 days of the date you become eligible to participate or during Annual Enrollment. In order for your eligible family members to be covered, you must elect family coverage.
Cost of Coverage	Your cost depends on the amount of coverage you elect. Semi-monthly cost of coverage: For each $1,000 of individual coverage, your semi-monthly contribution is $0.005. For each $1,000 of family coverage, your semi-monthly contribution is $0.006. Weekly cost of coverage: For each $1,000 of individual coverage, your weekly contribution is $0.002. For each $1,000 of family coverage, your weekly contribution is $0.003.
Beneficiary	You can name anyone you wish as a beneficiary. You can change your beneficiary at any time. You are always the beneficiary if your covered family members die.
Contact Information	For more information, contact the Claims Administrator: National Union Fire Insurance Company of Pittsburgh, Pa. (National Union), an AIG Company P.O. Box 25987 Shawnee Mission, KS 66225 Phone: +1 800 551 0824 or +1 913 495 6520 (for Claims and Questions) Email: ahclaims@aig.com Policy Number: Active Group - PAI 0009131403-B Marsh McLennan does not administer this Plan. National Union's decisions are final and binding.