Benefits Handbook

This Plan provides you with income in case you can't work for an extended period of time because of an injury or illness. Benefits under Marsh & McLennan Companies' Basic and Optional Long Term Disability Plans are based on your "pre-disability earnings" (e.g. annual base salary, excluding overtime, bonuses, commissions and other extra compensation) in effect prior to your date of disability, up to a maximum covered annual base salary of $520,000. If you are approved to receive the Optional Long Term Disability benefit, the Plan provides you with a monthly benefit of 20% of your pre-disability earnings up to a maximum monthly benefit of $8,667. The Company provides you with Basic Long Term Disability coverage of 40% of your pre-disability earnings up to a maximum monthly benefit of $17,333. You can choose to purchase this additional optional coverage and, if you are eligible, coverage under the Long Term Disability Bonus Income Plan.