The Blues skipper has failed to recover from an ankle injury sustained against Aston Villa on Saturday, with 203-goal Frank Lampard captaining the side in his absence
Terry has failed to recover from an ankle injury picked up during Saturday's 2-1 victory over Aston Villa, while Eden Hazard is also absent with a hamstring problem picked up in the same game.
Lampard will be flanked by Brazilians David Luiz and Ramires in a three-man midfield, with Gary Cahill partnering Branislav Ivanovic at the heart of the defence.
Benfica boss Jorge Jesus has fielded his strongest available line-up, with Nemanja Matic set to face his former club in central midfield.
Benfica: Artur; Almeida, Luisao, Garay, Melgarejo; Perez, Matic, Gaitan, Salvio; Rodrigo, Cardozo.
Subs: Paulo Lopes, Jardel, Andre Gomes, Aimar, Urreta, Ola John.
Chelsea: Cech; Azpilicueta, Ivanovic, Cahill, Cole; Ramires, Lampard, Luiz; Oscar, Mata; Torres.
Subs: Turnbull, Ferreira, Ake, Mikel, Marin, Benayoun, Moses.