The Plan at a Glance

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	Long Term Disability Bonus Income Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	Disability Payment Details

	Other Sources of Disability Benefits

	Filing a Claim

	Glossary

The Plan at a Glance


Plan Feature	Highlights
How the Plan Works	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. The covered benefit amount is determined by applying the coverage option percentage to your eligible bonus. The Plan offers two coverage options: a 50% option and a 100% option. The 100% covered benefit amount coverage option is subject to a maximum covered benefit amount of $300,000. The 50% coverage option is subject to a minimum covered benefit amount of $50,000 and a maximum of $150,000. 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 are eligible to participate in the Long Term Disability Bonus Income Plan. See "Participating in the Plan" for details.
Enrollment	The Long Term Disability Bonus Income Plan year starts July 1st and ends June 30th. As a newly eligible participant, you can enroll in the Plan during the Plan's designated Annual Enrollment period (normally in June of each year). See "Participating in the Plan" for details.
Evidence of Insurability	If you enroll in the timeframe specified when you are first eligible, Evidence of Insurability is not required. If you do not enroll in the timeframe specified when you are first eligible, Evidence of Insurability is required.
Cost of Coverage	If you elect Long Term Disability Bonus Income coverage, you pay the full cost for coverage. See "Participating in the Plan" for details.
Contact Information	For general 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 Simsbury Claim Appeal Unit P.O. Box 2999 Hartford, CT 06104 Phone: (800) 448 5813 Fax: (315) 385 5014 MMC does not administer this Plan. The Hartford Life Insurance Company's decisions are final and binding.