MMC Benefits Handbook
Your Benefits Coverage
The following table showing benefits coverage reflects the provisions of the Uniformed Services Employment and Reemployment Rights Act of 1994 ("USERRA"). Note that USERRA has specific reemployment rights, and many states have also enacted statutes protecting employees on military leave; some of those statutes provide, in certain respects, broader protection than USERRA.
Marsh & McLennan Companies Benefit Plan
Coverage
Medical
You may (1) discontinue coverage, or (2) elect to continue coverage and continue making contributions on a before-tax basis* during the leave.
Dental
You may (1) discontinue coverage, or (2) elect to continue coverage and continue making contributions on a before-tax basis* during the leave.
Vision
You may (1) discontinue coverage, or (2) elect to continue coverage and continue making contributions on a before-tax basis* during the leave.
Flexible Spending Accounts
You may (1) discontinue before-tax contributions and receive reimbursement for expenses incurred before the leave began, or (2) elect to continue contributions on a before-tax basis* during the leave and receive reimbursement for expenses incurred during the leave.
Health Savings Account
If you continue participating in the $1,500 Deductible Plan or $2,850 Deductible Plan, then you may continue contributing to your HSA on a before- or after-tax basis.* If you do not continue participating in the $1,500 Deductible Plan or $2,850 Deductible Plan or otherwise become ineligible for HSA contributions, you cannot make or receive contributions to your HSA (either on a before- or after-tax basis).
Best Doctors
Your coverage continues.
Health Advocate
Your coverage continues.
Healthyroads
Your coverage continues.
MSK Direct
Your coverage continues.
Basic Life Insurance
Your coverage continues based on your salary in effect prior to the military call up. There is no exclusion for declared or undeclared war.
Group Variable Universal Life
Your coverage continues based on your salary in effect prior to the military call up (for Group Variable Universal Life), provided you pay the required contributions. You may not enroll in or increase coverage during the leave. There is no exclusion for declared or undeclared war, and there is no coverage for spouses or children called into military service.
Personal Life Insurance
Your coverage continues, provided you pay the required contributions.
Long Term Care Insurance
Your coverage continues, provided you pay the required contributions.
Choice Auto and Home Insurance
Your coverage continues, provided you pay the required contributions.
Pet Insurance
Your coverage continues, provided you pay the required contributions.
Legal Assistance Plan
Your coverage continues, provided you pay the required contributions.
Identity Protection Benefit Program
Your coverage continues, provided you pay the required contributions.
Disability (Short Disability Plan, Basic Long Term Disability Plan, Optional Long Term Disability Plan, and Long Term Disability Bonus Income Plan)
Your coverage is suspended during the leave; your contributions for the Optional and Long-Term Disability Bonus Income Plans cease.
Individual Disability Insurance Plan
Your coverage continues, provided you pay the required contributions.
Business Travel Accident
Your coverage ends on the last day you are actively-at-work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
Voluntary AD&D
If the leave is less than two months, your coverage continues, provided you pay the required contributions.* Otherwise, coverage stops when you are called to military duty. Your coverage for family members can continue through payroll deduction.
Accident Insurance
Your coverage continues, provided you pay the required contributions.
Critical Illness
Your coverage continues, provided you pay the required contributions.
Hospital Indemnity
Your coverage continues, provided you pay the required contributions.
Marsh & McLennan Companies 401(k) Savings & Investment Plan
Contributions
If you take an unpaid military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), retroactive contributions for all or a period of your leave can be made after you return to active employment with the Company, provided you return within the period required by USERRA.
Loans
While you are on an unpaid military leave of absence, you can continue to make loan repayments by:
  • certified check
  • bank check
  • money order
  • direct debit from checking or savings account.
Alternatively, you can suspend payments for the duration of your leave. If you suspend payments, interest continues to accrue during the leave. A maximum interest rate cap imposed under federal law could apply.
MMA 401(k) Savings & Investment Plan
Contributions
If you take an unpaid military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), retroactive contributions for all or a period of your leave can be made after you return to active employment with the Company, provided you return within the period required by USERRA.
Loans
While you are on an unpaid military leave of absence, you can continue to make loan repayments by:
  • certified check
  • bank check
  • money order
  • direct debit from checking or savings account.
Alternatively, you can suspend payments for the duration of your leave. If you suspend payments, interest continues to accrue during the leave. A maximum interest rate cap imposed under federal law could apply.
Employee Stock Purchase Plan
Your contributions may continue (if there is salary from which to withhold). Otherwise, your contributions cease. You can withdraw the balance or keep the balance in the plan to buy shares at the end of the current quarterly purchase period.
Marsh & McLennan Companies Retirement Plan
If you take a military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), service credit will be provided after you return to work, provided that you return within the period required by USERRA. For the purpose of determining your accrued benefit under the plan, you will receive credit for each regularly scheduled working hour (exclusive of overtime) up to and including December 31, 2016, the date that benefit accruals were discontinued under the plan, during your qualifying leave.
For the purpose of determining your Vesting Service under the plan, you will receive credit for each regularly scheduled working hour (exclusive of overtime) during your qualifying leave.
Special Death Benefit
Your coverage continues.
* As long as there is salary from which to deduct. Otherwise, you will need to remit contributions on an after-tax basis.