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Basic Long Term Disability > The Plan at a Glance spacer
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    Basic Long Term Disability
       
The Plan at a Glance
        Participating in the Plan
        How the Plan Works
        Disability Payment Details
        Other Sources of Disability Benefits
        Filing a Claim
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The Plan at a Glance
Plan Feature
Highlights
How the Plan Works
  • The Plan automatically gives you a benefit that is 40% of your monthly pre-disability base salary up to a monthly maximum benefit of $17,333. This means that if you have an approved disability, you will receive this amount for the approved duration of your disability less any applicable offsets. Your benefit may be reduced by other disability income benefits (as described in "Other Sources of Disability Benefits") and federal tax withholding.
  • See "How the Plan Works" for details.
Eligibility
  • If you are an employee of MMC or any subsidiary or affiliate of MMC and you meet the eligibility requirements, you become eligible on your eligibility date.
  • See "Participating in the Plan" for details.
Enrollment
  • You do not need to enroll in Basic Long Term Disability Plan coverage. You are automatically enrolled in the Plan on your eligibility date.
  • See "Participating in the Plan" for details.
Evidence of Insurability
  • You do not need to provide Evidence of Insurability to get coverage in Basic Long Term Disability.
Cost of Coverage
  • You do not pay anything for your basic long term disability coverage. MMC pays the entire cost.
Disability Payment Details
  • Your long term disability benefit is based on your annual base salary in effect before you become disabled up to a maximum covered annual base salary of $520,000.
  • Your payments under the Basic Long Term Disability Plan will begin with the seventh month of an approved disability. Prior to this time, you may be able to receive benefit payments from:
    • the Short Term Disability Plan
    • your Company's sick pay policy
  • However, there are exceptions to the normal payment period if:
    • your disability starts on, or after, age 62
    • the Plan's Claims Administrator offers a lump-sum settlement.
Contact Information
For more information, contact:
The Hartford Life Insurance Company
LTD Benefit Management Services
P.O. Box 946710
Maitland, FL 32794
Phone: (800) 303 9744
Fax: (407) 919 6329
For claims appeal, contact:
The Hartford Life Insurance Company
Maitland Claim Appeal Unit
P.O. Box 946710
Maitland, FL 32794
MMC does not administer this Plan. The Hartford Life Insurance Company's decisions are final and binding.
 
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