You are "actively at work" if you are fulfilling your job responsibilities at a Company-approved location on the day coverage is supposed to begin (e.g., you are not out ill or on a leave of absence).

Actively at work during your approved scheduled work week and not on any type of leave.

The benefit payment is 60% of your covered benefit amount (subject to a monthly maximum of $15,000).

The Hartford Life Insurance Company
LTD Benefit Management Services
P.O. Box 946710
Maitland, FL 32794
Phone: 800-303-9744
Fax: 407-919-6329

The Plan offers two coverage options: a 50% option and a 100% option.

The covered benefit amount is used to determine the annual long term disability bonus income plan payment. It is determined by applying the coverage option percentage you elect to your eligible bonus. The covered benefit amount is subject to a maximum of $300,000 and if the 50% option is elected, a minimum of $50,000.

To be considered disabled, you must be "totally" disabled. During the first 30 months of an approved disability (including the first six months under the Short Term Disability Plan), you are considered totally disabled if you are unable to continuously perform the substantial and material duties of your present occupation because of an illness or injury, as long as you are not engaged in any other occupation or employment. Medical certification of disability is required, and you must be under the regular care of a licensed physician who is qualified to treat your condition. You are responsible for any costs you may incur to initially qualify for disability, such as providing medical records or submitting to an independent medical examination. The Plan does not cover these costs.

The Plan's definition of total disability changes after 30 months (including the first six months under the Short Term Disability Plan). After this period, you are considered totally disabled and eligible for benefits if you are continuously unable to engage in duties of any substantial gainful employment for which you are reasonably qualified by education, training or experience. You must be under the regular care of a licensed physician who is qualified to treat your condition.

You or your doctor may be asked periodically to provide proof of your continuing disability. You will be responsible for any doctor's charges or other costs associated with providing such proof. The Plan does not cover these costs.

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 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.

For the purposes of the Long Term Disability Bonus Income Plan your eligible bonus is the higher of:

Evidence of Insurability is proof of good health and is generally required if you do not enroll for coverage when you first become eligible, if the coverage level you are requesting requires such evidence, or if you are increasing coverage. Establishing Evidence of Insurability may require a physical examination at the employee's expense. The Evidence of Insurability must be provided to and approved by the insurer before coverage can go into effect.

Employees that were not hired to perform short term projects, special programs of a temporary nature and will not be terminated from employment upon completion of their assignment.

The Plan pays a monthly benefit of 60% of your covered benefit amount subject to a maximum of $15,000.