Benefits Handbook

If you are rehired within 30 calendar days of your termination date in the same calendar year, all pre-tax benefit elections are reinstated automatically at prior coverage levels and contribution amounts, provided you previously met the full waiting period. You must make new post-tax benefit elections within 30 calendar days of rehire. Prior coverage levels for the Life Insurance and Disability Plans will be approved without satisfying evidence of insurability (EOI) requirements, provided you previously met the full waiting period. Prior days of service will not count toward the waiting period.

If you are rehired within 30 calendar days of your termination date in a different calendar year, you must make new pre-tax and post-tax benefit elections within 30 calendar days of rehire. Prior coverage levels for the Life Insurance and Disability Plans will be approved without satisfying EOI requirements, provided you previously met the full waiting period. Prior days of service will not count toward the waiting period.

If you are rehired after 30 calendar days from your termination date within the same or different calendar year, you must make new pre-tax and post-tax benefit elections within 30 calendar days of rehire. You will be treated as a "new hire" for purposes of satisfying EOI requirements for the Life Insurance and Disability Plans. Prior coverage levels and contribution amounts will not be reinstated. You must meet the full waiting period before coverage is effective, even if you previously met it in full. Prior days of service will not count toward the waiting period.

Note: In all cases if you did not meet the full waiting period prior to termination, you must satisfy the new waiting period starting from your rehire date. You must make new pre-tax and post-tax benefit elections within 30 calendar days of rehire. You will be treated as a "new hire" for purposes of satisfying EOI requirements for the Life Insurance and Disability Plans. Prior coverage levels and contribution amounts will not be reinstated. Prior days of service will not count toward the waiting period.

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.

If you are rehired within three months of your termination of employment, the Company does not treat this as a termination of employment. If you have taken a distribution from your Marsh & McLennan Companies 401(k) Savings & Investment Plan, MMA 401(k) Savings & Investment Plan, Supplemental Savings & Investment Plan, or Employee Stock Purchase Plan, or begun payments from the US Retirement Program, the distributions or payments will need to be paid back to the plan.

If a retiree is rehired as a regular employee after at least a three-month break in service, any retirement benefits will cease for the duration of his or her reemployment.

If you are eligible for retiree medical coverage, terminate and are later rehired as a regular employee, you will retain your eligibility to immediately elect or defer participation in retiree medical coverage when you terminate again from the Company.

If you elected retiree medical coverage prior to rehire, your retiree medical coverage is suspended upon rehire. When you subsequently terminate, you:

If you decide to cancel your retiree medical coverage, you will not have the opportunity to re-enroll at a later date.

If you were eligible for the Company-subsidized retiree medical coverage when you terminated, and

If you were eligible for the unsubsidized retiree medical coverage when you terminated, you will retain your eligibility for the unsubsidized retiree medical coverage when you subsequently terminate from the Company.

If you were not eligible for retiree medical coverage when you terminated, you will not be eligible for the Company-subsidized retiree medical coverage upon rehire. However, upon rehire, you will accrue service towards the eligibility for unsubsidized retiree medical coverage (prior service and new service will be used to determine eligibility). If you meet the retiree medical coverage eligibility requirements at the time of your subsequent termination, you will be eligible to participate in unsubsidized retiree medical coverage.

If you are eligible for retiree medical coverage, terminate and are later rehired as a regular employee, you will retain your eligibility for retiree medical coverage when you terminate again from the Company as long as you meet the eligibility requirements applicable to you at the time of your subsequent termination.

If you were eligible for the Company-subsidized retiree medical coverage when you terminated, and

If you were eligible for the unsubsidized retiree medical coverage when you terminated, you will retain your eligibility for the unsubsidized retiree medical coverage when you subsequently terminate from the Company.

If you were eligible for the Company-subsidized retiree medical coverage when you terminated, and you are still covered on the date you are rehired, your Company retiree medical coverage will be suspended upon rehire, but you will retain your eligibility for the Company-subsidized retiree medical coverage when you subsequently terminate from the Company. Upon rehire, you once again accrue eligibility service towards the Company-subsidy potentially resulting in a lower premium due to a greater subsidy amount upon your subsequent termination.

If you are eligible for Company-subsidized retiree medical coverage, terminate (but are not retirement eligible) and are later rehired as a regular employee, you will not be eligible for Company-subsidized retiree medical coverage when you subsequently terminate from the Company. However, you will be eligible to participate in unsubsidized retiree medical coverage as long as you meet the eligibility requirements applicable to you at the time of your subsequent termination, and, if this coverage is elected, you will pay the full monthly cost for coverage based on the current Company Retiree Medical Plan's group rates in effect.

If you are eligible for retiree medical coverage, terminate, elect Company retiree medical coverage, are later rehired as a temporary employee and are still covered on the date you are rehired:

If you are eligible for retiree medical coverage, terminate, are later rehired as a temporary employee and you did not elect Company retiree medical coverage prior to the date you are rehired, you will be eligible for unsubsidized retiree medical coverage at the time of your subsequent termination of employment.

If you are eligible for retiree medical coverage, terminate, are later rehired as a temporary employee and you dropped your retiree medical coverage prior to the date you are rehired, you will be eligible for unsubsidized retiree medical coverage if you meet the eligibility requirements applicable to you at the time of your subsequent termination of employment.

If you are eligible for retiree medical coverage, terminate, elect Company retiree medical coverage, are later rehired as a temporary employee and are still covered on the date you are rehired:

If you are eligible for retiree medical coverage, terminate, are later rehired as a temporary employee and either did not elect Company retiree medical coverage or dropped the coverage prior to the date you are rehired, you will be eligible for unsubsidized retiree medical coverage if you meet the eligibility requirements applicable to you at the time of your subsequent termination of employment.