Marsh & McLennan Companies Long Term Disability Bonus Income Plan

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This is a welfare plan.

The plan year is July 1 - June 30.

The Plan Sponsor is:

Eligible employees of Marsh & McLennan Companies, Inc. are covered by the employee benefits plan described in this document, as well as eligible employees of any subsidiary or affiliate which:

You may write to the Plan Administrator to learn which employers participate in this plan.

The Plan Administrator is Marsh & McLennan Companies, Inc. Benefits Administration Committee and can be reached at:

The Plan Administrator has full discretion and authority to control and manage the operation and administration of each of the plans except to the extent authority has been granted to the Claims Administrator for adjudication of claims.

The group contract number is 83082035.

The Long Term Disability Bonus Income Plan is fully insured through The Hartford who administers claims for this plan and is solely responsible for providing disability benefits and determinations.

Contributions are made by the participating employees. These contributions are held in the Marsh & McLennan Companies Employer-Funded Welfare Benefit Trust by the trustees:

The Company has engaged the services of the Claims Administrator who is responsible for processing claims for this self-insured plan.

For filing a claim:

A claim form will automatically be sent to your home address. If you have been disabled for more than four months, and you have not received the forms, you can contact your Human Resources Representative.

For appealing a claim: