Short Term Disability

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	Short Term Disability

	Participating in the Plan

	Duration and Amount of STD Benefit

	Qualifying for STD Benefits

	Denial of a Claim

	Payment Information

	Additional Periods of Disability

	Federal and State Family and/or Medical Leave Laws

	Returning to Work

	Contact with Manager

	Subrogation

	Overpayment

	Amendment or Termination of This Plan

	Plan Interpretation and Appeals

	Contact

Short Term Disability

SPD and Plan Document

This section provides a summary of the Short Term Disability Plan (the "Plan") as of June 6, 2008.

This section, together with the Administrative Information section and the applicable section about participation, forms the Summary Plan Description and plan document of the Plan.

Marsh & McLennan Companies, Inc. ("MMC") provides salary continuation to eligible employees based on a percentage of their base salary for a period of up to twenty six (26) weeks during an absence due to a qualifying serious health condition. Coverage under the Short Term Disability ("STD") Plan automatically begins on the date an eligible employee meets the eligibility requirements.