The article covers a mathematical model of a temperature distribution in the three-layer metal composite structures when grinding their working layers. The computer program TEMSS, created on the basis of thermal models, allows calculation of all the characteristics of the temperature distribution in the layers of the metal composite structure, depending on the system structure, material properties of its layers, grinding and machining conditions, and duration. The work establishes the adequacy of the developed mathematical model of the temperature distribution when grinding the metal composite systems. The article covers the analysis of standard metal composite systems with Loctite, Chester molecular, and Devcon polymers on the basis of the temperature distribution model, revealing the influence of lamination on the nature of the temperature distribution. Critical temperatures are defined that determine the occurrence of thermal grinding defects in the metal composite system, including their dependencies on processing conditions and the system structure. Thus, it is found that when grinding a working steel layer of the composite system using the standard grinding conditions recommended in the reference handbooks for steel workpieces, the temperature in the working and polymer-composite layers, as a rule, exceeds the threshold values for these materials.