The Plan at a Glance

MMC Benefits Handbook


Plan Feature	Highlights
How the Plan Works	If approved by the Claims Administrator, the Plan provides you with a monthly benefit of 60% of your covered benefit amount, up to $15,000 per month. The covered benefit amount is determined by applying the coverage option percentage you elect to your eligible bonus. The Plan offers two coverage options: a 50% option and a 100% option. The 100% covered benefit amount coverage option is subject to a maximum covered benefit amount of $300,000. The 50% coverage option is subject to a minimum covered benefit amount of $50,000 and a maximum of $150,000. 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 are eligible to participate in the Long Term Disability Bonus Income Plan. See "Participating in the Plan" for details.
Enrollment	The Long Term Disability Bonus Income plan year starts January 1st and ends December 31st. As a newly eligible participant, you can enroll in the Plan during the Annual Enrollment period (normally in October of each year). See "Participating in the Plan" for details.
Evidence of Insurability	If you enroll in the timeframe specified when you are first eligible, Evidence of Insurability is not required. If you do not enroll in the timeframe specified when you are first eligible, Evidence of Insurability is required.
Cost of Coverage	If you elect Long Term Disability Bonus Income coverage, you pay the full cost for coverage. See "Participating in the Plan" for details.
Contact Information	For general 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.