MMC Benefits Handbook
Available Benefit Plans
Following is a summary of the benefit plans available to you when you start work with the Company.
Medical Plans
You may elect coverage under the plan for you and your eligible family members. You may have a choice of plans to select from:
  • $400 Deductible Plan
  • $900 Deductible Plan
  • $1,500 Deductible Plan
  • $2,850 Deductible Plan
  • HMSA Health Plan Hawaii Plus (Hawaii HMO)
  • HMSA Preferred Provider Plan (Hawaii PPP)
Eligibility for certain medical plans is based on your residence zip code.
You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when you are actively-at-work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
Dental Plan
  • Premier Option and Standard Option
You may elect coverage under the plan for you and your eligible family members.
You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
Vision Plans
  • High (Enhanced) Option and Low (Standard) Option
You may elect coverage under the plan for you and your eligible family members.
You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
Health Care Flexible Spending Account
You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.
Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.
Limited Purpose Health Care Flexible Spending Account
You have to participate in the Marsh & McLennan Companies $1,500 Deductible Plan or $2,850 Deductible Plan to enroll in this plan.
You are eligible to enroll:
  • within 30 calendar days of the date you become eligible
  • during Annual Enrollment.
You must enroll each plan year in order to participate in the Limited Purpose Health Care Flexible Spending Account.
You are eligible to participate in the Limited Purpose Health Care Flexible Spending Account if you meet the eligibility requirements described in the Participating in Spending Accounts section.
Note: If your spouse is enrolled in a traditional health care flexible spending account or non-high-deductible health plan, you will not be eligible to contribute to this plan or the Marsh & McLennan Companies Health Savings Account. If you are covered by a traditional health care flexible spending account, including either the Marsh & McLennan Companies Health Care Flexible Spending Account or another health care flexible spending account (e.g., through your spouse or another job), you will not be eligible to participate in this plan.
When you first enroll as a newly eligible employee or as a result of a qualified family status change, deductions will begin in the next available pay period after your enrollment is processed.
If you enroll during the Annual Enrollment period, your contributions will begin with the first paycheck of the new plan year.
Dependent Care Flexible Spending Account
You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.
Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.
Health Savings Account
You must enroll (subject to eligibility requirements):
  • within 30 calendar days of the date you become eligible to participate,
  • anytime during the plan year if you are enrolled in the Marsh & McLennan Companies $1,500 Deductible Plan or $2,850 Deductible Plan,
  • during the Annual Enrollment period, or
  • within 30 calendar days of a qualifying change in family status that makes you eligible to enroll.
You must enroll each plan year in order to participate in the Health Savings Account.
Enrollment procedures are described in the Participating in Spending Accounts section.
Deductions will begin:
  • the first of the month coincident with or following your eligibility date as long as you are actively employed. Your contributions will be prorated based on the number of full months remaining in the calendar year and your level of coverage under the Marsh & McLennan Companies $1,500 Deductible Plan or $2,850 Deductible Plan.
  • January 1 if you enroll during the Annual Enrollment period (delayed until the first pay check after April 1 if you participated in a traditional Health Care Flexible Spending Account in the prior year.)
Business Travel Accident Insurance
You will automatically be enrolled on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
Voluntary AD&D
You must enroll within 30 calendar days of your start date. Once you enroll, your coverage will start the day after your saved election in the Company's enrollment system, as long as you are Actively-At-Work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
Life Insurance Plans
  • Basic Life Insurance (Company-paid)
You will automatically be enrolled on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
  • Group Variable Universal Life Insurance (Employee-paid)
You can enroll at any time, but Evidence of Insurability is required if you enroll after 60 calendar days from your eligibility date or if you elect a level of coverage greater than $1.2 million.
Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
You can elect a death benefit for your eligible spouse/domestic partner at any time, but Evidence of Insurability is required if you enroll after 60 calendar days from your eligibility date or if you elect a level of coverage greater than $30,000 for Group Variable Universal Life.
You do not need to provide Evidence of Insurability for your eligible child.
You can choose the following coverage for your eligible family members:
    • Group Variable Universal Life
Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies employee or eligible MMA employee.
Personal Life Insurance
As of May 1, 2014, UNUM ceased writing the Personal Life Insurance product, therefore, the Personal Life Insurance Plan has been frozen effective May 1, 2014. No new enrollees will be allowed into the plan. If you currently are a UNUM Personal Life Insurance Plan participant, you will remain in the plan and payroll deductions will continue unless you elect otherwise.
Disability Plans
Short Term Disability (Company-paid)
You will automatically be enrolled on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast) or Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) employee.
Basic Long Term Disability (Company-paid)
You will automatically be enrolled on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast) or Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) employee.
Optional Long Term Disability (Employee-paid)
You can enroll at any time, but Evidence of Insurability is required if you enroll after 30 calendar days from your eligibility date.
Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh & McLennan Companies, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast) or Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) employee.
Long Term Disability Bonus Income Plan (Employee-paid)
The Long Term Disability Bonus Income plan year starts January 1st and ends December 31st. A newly eligible participant of Marsh & McLennan Companies, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast) or Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) can enroll in the plan during the Annual Enrollment period (normally in November of each year).
Individual Disability Insurance Plan (Employee-paid)
The Individual Disability Insurance plan year starts September 1st and ends August 31st. A newly eligible participant of Marsh & McLennan Companies, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast) or Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) can enroll in the plan during the Individual Disability Insurance Plan enrollment period (normally in July of each year).
Personal Excess Liability Insurance Plan
Enrollment in the Personal Excess Liability Insurance Plan can be at any time and coverage stays in affect through the plan year which ends December 31. Once you are enrolled, your coverage conveniently carries over every calendar year unless you want to make a change. Coverage can be cancelled during annual enrollment by electing to waive coverage.
You enroll for coverage by going to Voluntary Benefits (www.mmcvoluntarybenefits.com).
Accident Insurance
You must enroll within 30 calendar days of your start date.
Critical Illness
You must enroll within 30 calendar days of your start date.
Hospital Indemnity
You must enroll within 30 calendar days of your start date.
Marsh & McLennan Companies 401(k) Savings & Investment Plan
You are eligible to participate immediately if you are classified as a US regular or temporary employee (including US expatriates) of the Company* or any of its subsidiaries, are paid on a US payroll and are at least age 18 years of age. Your election will be effective in the next available pay cycle.
To enroll, go to Colleague Connect (https://colleagueconnect.mmc.com), click Career & Rewards and select Transamerica or call the Employee Service Center at +1 866 374 2662.
You must make the elections 11 business days (if you are on the semi-monthly payroll) or 5 business days (if you are on the weekly payroll) prior to the paycheck in which you wish the enrollment to be reflected.
*"Company means" Marsh & McLennan Companies, Inc. and its subsidiaries other than Marsh & McLennan Agency LLC.
Marsh & McLennan Agency 401(k) Savings & Investment Plan
You are eligible to participate immediately if you begin employment with MMA* or any subsidiary or affiliate of MMA that adopts the Plan, are paid on a US payroll and are at least 18 years of age.
To enroll, go to Colleague Connect (https://colleagueconnect.mmc.com), click Career & Rewards and select Transamerica or call the Employee Service Center at +1 866 374 2662.
You must make the elections 11 business days (if you are on the semi-monthly payroll) or 5 business days (if you are on the weekly payroll) prior to the paycheck in which you wish the enrollment to be reflected. The deadlines that apply to you may be different if you are on a payroll system that is not managed by Marsh & McLennan Companies.
*MMA means Marsh & McLennan Agency LLC. and its subsidiaries.
Supplemental Savings & Investment Plan
You are eligible to participate if:
  • you are classified as a US regular or temporary employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than Marsh & McLennan Agency LLC), including any subsidiaries or successors in interest, paid on US payroll,
  • your annual base pay exceeds the Compensation Limit, and
  • you are a participant in the Marsh & McLennan Companies 401(k) Savings & Investment Plan.
If eligible, you must enroll during the Annual Enrollment period for participation effective in the following calendar year.
To enroll, go to Colleague Connect (https://colleagueconnect.mmc.com), click Career & Rewards and select Transamerica or call the Employee Service Center at +1 866 374 2662.
Employee Stock Purchase Plan
You are eligible to participate in the Plan on the first business day of October 1 if you are classified on payroll as a US (regular or temporary) employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies provided that you:
  • began working for the Company on or before the preceding April 30 or were otherwise credited with six months of service (which may include service with a business prior to its acquisition by the Company) by the CEO or the highest ranking Human Resources officer, and
  • are scheduled to work at least 20 hours a week.
If you are rehired and you had at least six months of service when you left the Company, you may be eligible to participate at the start of the next plan year, which begins on the first business day of October, without any prior waiting period. If you do not have a total of six months of service by the first business day of October, you must wait until the next plan year to participate.
You may enroll in the plan during Annual Enrollment (generally in early September.
Transportation Reimbursement Incentive Program (TRIP)
You enroll for coverage by contacting WageWorks (www.wageworks.com).
Long Term Care Insurance Plan
As of January 1, 2017, Genworth Life Insurance Company has discontinued their current Long Term Care product offering. Other long term care plan insurance coverage may be offered in the future at which point the details of these offerings will be communicated to you. Current policy holders will be allowed to continue their existing policy; however, no new enrollments in Marsh & McLennan Companies Long Term Care Insurance Plan will be accepted beyond December 31, 2016. All current policyholders will continue with their payroll deduction (or direct billing) with no change. It is important to note that all in-force certificates issued under this group policy will remain in-force subject to the terms and conditions of the respective certificates. If you have any questions, please contact Genworth Life Insurance Company at +1 800 416 3624.
Choice Auto and Home Insurance Program
Your coverage begins when your application for coverage has been approved by the program's insurer.
You enroll for coverage by contacting Mercer Health & Benefits Administration at +1 800 225 2265.
Pet Insurance Plan
  • You may enroll your pet for pet insurance at any time by accessing Nationwide's enrollment website, www.petinsurance.com/affiliates/mmc_pr, or by calling Nationwide at +1 800 225 2265
  • Evidence of insurability may be required for each pet (cat, dog, bird and/or exotic pet).
Legal Assistance Plan
  • You can enroll for Legal Assistance Plan coverage by going to Voluntary Benefits (www.mmcvoluntarybenefits.com).
  • Enrollment in the Legal Assistance Plan can be at any time and coverage stays in affect through the plan year which ends December 31. Once you are enrolled, your coverage conveniently carries over every calendar year unless you want to make a change. Coverage can be cancelled during annual enrollment by electing to waive coverage.
Identity Protection Benefit Program
  • You can enroll for coverage for yourself and your spouse or domestic partner in the Identity Protection Benefit Program at any time during the year.
  • Make an initial election by going to Voluntary Benefits (www.mmcvoluntarybenefits.com).
MSK Direct
  • If you are a Marsh & McLennan Companies employee or MMA employee and meet the eligibility requirements, you are immediately eligible.