MMC Benefits Handbook
The Plan at a Glance
Plan Feature
How the Plan Works
  • You may contribute to the Plan through payroll deductions on a before-tax basis.
  • When you have reimbursable health care expenses, you can receive your money back tax-free, up to the amount that you elect to contribute for the year and any carryover amount.
  • You are eligible if you are an employee classified on payroll as a US regular employee of Marsh & McLennan Companies and any subsidiary or affiliate of Marsh & McLennan Companies (other than Marsh & McLennan Agency LLC and any of its subsidiaries (MMA)).
  • 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 – Northeast (MMA-Northeast), or Security Insurance Services of Marsh & McLennan Agency LLC.
  • See "Participating in the Plan" for details.
  • You are eligible to enroll:
    • within 30 days of the date you become eligible
    • during Annual Enrollment.
  • You must elect to participate each plan year in order to participate in the Health Care Flexible Spending Account.
  • You are not eligible for this plan if you enroll in the Marsh & McLennan Companies Health Savings Account.
  • You can contribute between $120 and $2,700 per plan year.
  • In general, the Plan will reimburse:
    • eligible health care expenses that are not covered by another plan, including copayments, deductibles, coinsurance and costs after your dental, vision or medical plan paid a benefit,
    • that generally would be qualified medical expenses under federal tax law, and
    • that are incurred in the plan year for which you make contributions.
Unused Contributions
  • Up to a maximum balance of $500 will be carried over for eligible expenses incurred in the next plan year.
  • Any account balance over $500 will be forfeited after the claims filing deadline of March 31 following the plan year.
  • You have until March 31 of the following year to submit claims for reimbursement of eligible expenses you incur during the plan year.
Contact Information
For more information, contact:
Trion Spending Account Service Center (Claims Administrator)
2300 Renaissance Boulevard
King of Prussia, PA 19406
Phone: +1 866 324 4087
Fax: +1 888 788 1928
Marsh & McLennan Companies does not administer this plan. Trion's Flexible Spending Account decisions are final and binding.