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 Plan offers two coverage options: Maximum coverage option of 60% of monthly eligible insurable income up to a maximum of $15,000 per month.* Reduced coverage option of 50% of your monthly maximum Individual Disability Insurance benefit.* The Plan provides you with the monthly benefit stated in your Individual Disability Insurance policy. See "How the Plan Works" for details. *Importantly, the calculation of the Individual Disability Insurance benefit payable to you upon a Disability is automatically reduced by the value of benefits offered under the Marsh & McLennan Companies Basic Long Term Disability Plan (Basic LTD), Optional Long Term Disability Plan (Optional LTD) and Long Term Disability Bonus Income Plan (Bonus LTD), regardless of whether you participate in the Optional LTD and Bonus LTD plans.
Eligibility	If you are an employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies and you meet the eligibility criteria, you are eligible to participate in the Individual Disability Insurance Plan. See "Participating in the Plan" for details.
Enrollment	The Individual Disability Insurance plan year starts September 1st. As a newly eligible participant, you can enroll in the Plan during the Annual Enrollment period (normally in July of each year). See "Participating in the Plan" for details.
Cost of Coverage	If you elect Individual Disability Insurance coverage, you pay the full cost for coverage. See "Participating in the Plan" for details.
Contact Information	For more information, contact: Unum Group (Unum) The Benefits Center P.O. Box 100262 Columbia, SC 29202-3262 Phone: +1 800 633 7490 (Monday through Friday 8:00 am – 8:00 pm ET) Fax: +1 866 562 4794 For filing a claim, contact: Unum Group (Unum) The Benefits Center P.O. Box 100262 Columbia, SC 29202-3262 Phone: +1 888 226 7959 (Monday through Friday, 8:00 am – 8:00 pm ET) Fax: +1 866 562 4794 Email: benefitsintake@unum.com www.unum.com/claims For claims appeal, contact: Unum Group (Unum) The Appeals Unit P.O. Box 15112 Worcester, MA 01515-0112 Fax: +1 866 562 4794 Marsh McLennan does not administer this Plan. Unum's decisions are final and binding.