MMC Benefits Handbook
Health Care Flexible Spending and Limited Purpose Health Care Flexible Spending Accounts
Eligibility Requirements
If you are an employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies and you meet the requirements set forth below, you become eligible on your eligibility date.
If you participate in the Health Care Flexible Spending Account, or are covered by another health care flexible spending account (e.g., through your spouse's employer), you are not eligible for the Marsh & McLennan Companies Health Savings Account. However, if you participate in the Health Savings Account, you are also eligible to participate in Marsh & McLennan Companies' Limited Purpose Health Care Flexible Spending Account, which is designed specifically for employees who participate in the Marsh & McLennan Companies $1,500 Deductible Plan or $2,850 Deductible Plan and Health Savings Account.
Eligible Marsh & McLennan Companies Employees (other than MMA)
You are eligible if you are an employee classified on payroll as a US regular employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than Marsh & McLennan Agency LLC and any of its subsidiaries (MMA)).
Individuals who are classified on payroll as temporary employees, who are compensated as independent contractors or who are employed by any entity in Bermuda, Barbados or Cayman Islands are not eligible to participate.
Eligible MMA Employees
You are eligible if you are an employee classified on payroll as a US regular employee of Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Alaska (MMA-Alaska), Marsh & McLennan Agency LLC – Southwest (excluding MHBT Inc., IA Consulting, Insurance Partners of Texas, Hendrick & Hendrick, Inc. and Eustis Insurance) (MMA-Southwest), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast), or Security Insurance Services.
Individuals who are classified on payroll as temporary employees or who are compensated as independent contractors are not eligible to participate.