Marsh & McLennan Companies offers you the ability to purchase long term disability protection on eligible Company incentive bonus awards of $5,000 or greater under the Long Term Disability Bonus Income Plan.

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.

For the purpose of this Plan, an eligible bonus is an annual incentive bonus award or, if applicable, an annualized incentive bonus award granted through the Company's incentive compensation plans. The is definition of eligible bonus includes annual or, if applicable, annualized incentive bonus amounts awarded for a performance year regardless of whether paid promptly following such award or deferred to a future year, whether distributed in cash or shares of MMC common stock, or whether denominated in cash, stock bonus units (SBUs), other equity-based awards or any combination thereof. The definition of eligible bonus excludes amounts that are not awarded as part of an annual incentive bonus award, such as long term incentive compensation awards, commission payments, commission-based incentive awards under the Variable Compensation Plan (VCP) or Sales Compensation Plan (SCP), sign-on bonuses, retention bonuses, non-recurring awards, one-time only special recognition awards or awards based on MMC common stock that are not a part of an annual incentive bonus award.