Benefits Handbook

To be considered disabled for Individual Disability Insurance, you must be "totally" disabled in your occupation, which means that you are unable to work in your occupation, not working in any other occupation and are under the care of a physician. 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 or your doctor may be asked periodically to provide proof of your continuing disability. You may be eligible for benefits if a mental health condition or substance abuse problem prevents you from performing your job. Consult your policy documents for details. As with any disability, you must satisfy the requirements of an eligible disability, and your disability must be approved by the Claims Administrator. Please be advised that the disability definition for Individual Disability Insurance may differ from the definition of disability for the other Marsh & McLennan Companies Group LTD plans.