MMC Benefits Handbook
Other Sources of Disability Benefits
What impact does receiving other disability income benefits have on my Individual Disability Insurance Plan benefit?
Your Individual Disability Insurance Plan benefit is not reduced by any disability income you receive (other than as described for the reduction for the value of benefits offered under the Marsh & McLennan Companies Group LTD plans), such as Social Security. You receive the full benefit as described in your policy.
Can I receive LTD benefits under the Marsh & McLennan Companies Group LTD plans at the same time as my Individual Disability Insurance benefits?
Yes, if you are approved by the Claims Administrator of Marsh & McLennan Companies Group LTD plans. Your Individual Disability Insurance benefit will pay in addition to any benefits under the Marsh & McLennan Companies Group LTD plans. Whether or not you are enrolled in Optional LTD or Bonus LTD, your Individual Disability Insurance benefit will be reduced by the value of the benefits offered under Optional LTD and Bonus LTD.