MMC Benefits Handbook
The Plan at a Glance
COVID-19 Related Update
On May 4, 2020, the US Department of Labor and US Department of the Treasury issued regulations regarding employee benefit plans in response to the COVID-19 National Emergency. The regulations suspend various plan administration deadlines and give employees/participants more time to file claims for benefits (including claims for reimbursement, such as run out period claims, under a Health Care Flexible Spending Account) or appeal denied claims. If you have questions about how this regulatory guidance impacts your Health Care Flexible Spending Account reimbursement claims, please contact Trion at +1 866 324 4087, any business day, 8:30 am to 5:30 pm, ET.
The unlimited carryover of unused balances for the Health Care Flexible Spending Account (FSA) applies only to your 2020 plan year (carryover into 2021) and 2021 plan year (carryover into 2022) FSA balances. For future plan years, it is possible the permitted carryover amount will be reduced. Generally, under the plan, up to a maximum balance of $550 will be carried over for eligible expenses incurred in the next plan year and any account balance over $550 will be forfeited after the claims filing deadline of March 31 following the plan year.
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 or any subsidiary or affiliate of Marsh & McLennan Companies (other than Marsh & McLennan Agency LLC or 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 $2,750 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
  • Your unused balance at the end of the 2021 plan year (up to the plan maximum) will be carried over for eligible expenses incurred in the next 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 does not administer this plan. Trion's Flexible Spending Account decisions are final and binding.