Benefits Handbook

MMC Benefits Handbook

• Benefits Handbook

• About This Benefits Handbook

• Life Events

• Adding a Domestic Partner

• About the Life Event
• Impact on Benefits

• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes

• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact

• Becoming Eligible for State Premium Assistance or Government Programs

• About the Event
• Making Changes to Benefits

• When to Make Changes
• Pay-related Changes

• Contact

• Child No Longer Eligible for Benefits

• About the Event

• COBRA Coverage
• COBRA Eligibility and Enrollment

• Impact on Benefits

• When to Make Changes
• Pay-related Changes

• Contact

• Death of a Child

• About the Event
• Impact on Benefits

• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes

• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact

• Death of a Spouse

• About the Event
• Impact on Benefits

• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes

• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact

• Death of an Employee

• Plans That May Pay Survivor Benefits
• Plans That Do Not Pay Survivor Benefits
• Special Death Benefit
• Beneficiary Elections

• COBRA Coverage
• COBRA Eligibility and Enrollment

• Contact

• Getting Divorced

• About the Event

• COBRA Coverage
• COBRA Eligibility and Enrollment

• Impact on Benefits

• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes

• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact

• Getting Legally Separated

• About the Event

• COBRA Coverage
• COBRA Eligibility and Enrollment

• Impact on Benefits

• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes

• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact

• Getting Married

• About the Event
• Impact on Benefits

• Making Changes to Benefits
• When to Make Changes
• Pay-related changes

• Other Things to Think About
• Beneficiary Elections
• Contact

• Having a Baby / Adopting a Child

• About the Event
• Impact on Benefits

• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes

• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact

• CHIP/Medicaid Loss of Eligibility

• About the Event

• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes

• Contact

• Covered Family Member Gains Coverage Elsewhere

• About the Event
• Impact on Benefits

• When to Make Changes
• Pay-related Changes

• Contact

• Covered Family Member Becomes Eligible for Government Insurance

• About the Event
• Impact on Benefits

• When to Make Changes
• Pay-related Changes

• Contact

• Spouse Leaves a Job

• About the Event
• Impact on Benefits

• When to Make Changes
• Pay-related Changes

• Employee Assistance Program (EAP)
• Contact

• Spouse - Loss/Change of Coverage under Another Employer Plan

• About the Event
• Impact on Benefits

• When to Make Changes
• Pay-related Changes

• Employee Assistance Program (EAP)
• Contact

• Termination of a Domestic Partnership

• About the Event
• Impact on Benefits

• When to Make Changes
• Pay-Related Changes

• Employee Assistance Program (EAP)
• Contact

• You Become Eligible for the Federal or a State Health Insurance Marketplace Exchange

• About the Event
• Making Changes to Benefits

• When to Make Changes
• Pay-related Changes

• Contact

• Your Covered Family Member Becomes Eligible for the Federal or a State Health Insurance Marketplace Exchange

• About the Event
• Making Changes to Benefits

• When to Make Changes
• Pay-related Changes

• Contact

• Glossary

• Work Events

• Authorized Unpaid Leave of Absence

• About the Event
• Impact on Benefits
• Paying for Coverage While on Leave
• Contact

• Leaving the Company

• About the Event
• Pay-Related Information

• COBRA Coverage
• COBRA Eligibility and Enrollment
• COBRA Rates

• Impact on Benefits
• Qualifying Event-Termination of Employment
• Other Things to Think About
• Contact

• Military Leave and Your Benefits

• Your Benefits Coverage
• Will I Lose Coverage?
• Contact

• Newly Hired or Rehired Employee

• Getting Paid
• Benefit-Related Information

• Rehired by the Company

• Enrollment in Before-Tax Benefits
• Available Benefit Plans
• Beneficiary Elections
• Company Policies

• Relocation

• About the Event
• Pay-related information
• Relocation Assistance
• Employee Assistance Program (EAP)
• Transfers
• Glossary

• Healthcare Benefits

• Participating in Healthcare Benefits

• Eligible Employees

• Your Eligibility Date

• Eligible Family Members

• Spouses and Domestic Partners
• Children

• Retiree Plan Participation

• Transfers/Status Changes/Rehires

• Enrollment

• Enrolling/Terminating Retiree Medical Plan Coverage
• Deferring Retiree Medical Plan Coverage

• Costs

• Taxes

• When Coverage Starts
• If You Have Other Coverage
• Changing Levels of Coverage
• When Coverage Ends
• Continuing Coverage

• About COBRA Coverage
• COBRA Eligibility and Enrollment
• COBRA Rates
• COBRA and Flexible Spending Accounts
• Employee Enrollment in COBRA Coverage
• Enrolling a Family Member under COBRA
• Changes While on COBRA
• Paying for COBRA Coverage
• Extending Benefits Due to Disability
• Impact of Medicare Eligibility
• When COBRA Coverage Ends
• Filing a Claim under COBRA
• COBRA Contact

• HIPAA

• How HIPAA Works
• Enrollment
• Pre-existing Conditions and Coverage Information

• Glossary

• Transparency in Coverage - Machine-Readable Files

• Your Rights and Protections Against Surprise Medical Bills

• Medical Coverage Options

• Participating in Pre-65 Retiree Medical Coverage

• Eligibility

• Spouses and Domestic Partners
• Transfers/Status Changes/Rehires

• Enrollment

• Enrolling/Terminating Retiree Medical Plan Coverage
• Deferring Retiree Medical Plan Coverage
• Enrollment Changes

• Paying for Coverage
• When Coverage Begins

• Aetna Medical Plan Options

• The Medical Plan Options at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Medical Plan Options Work

• Member Advocacy
• Health Savings Account and Flexible Spending Accounts
• Deductibles
• Out-of-Pocket Maximums
• Networks
• Utilization Review

• What’s Covered

• Preventive/Wellness Care
• Maternity
• Family Planning
• Gender Affirming Surgery
• Inpatient Hospital and Physician Services
• Cardiac Care
• Massage Therapy
• Mastectomy - Reconstructive Surgery
• Musculoskeletal Surgery - Knee, Hip, Spine
• Obesity Surgery
• Occupational Therapy
• Orthognathic Coverage
• Physical Therapy
• Sword Thrive Digital Physical Therapy
• Prescription Drugs
• Prescription Drug Programs
• Mental Health/Substance Use
• Speech Therapy
• Temporomandibular Joint (TMJ) Coverage
• Travel and Lodging
• Virtual Medicine
• Detailed List of Covered Services

• What’s Not Covered

• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Use
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• TMJ
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions

• Filing a Claim

• Appealing a Claim

• Glossary

• Anthem BlueCross BlueShield Medical Plan Options

• The Medical Plan Options at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Medical Plan Options Work

• Member Advocacy
• Health Savings Account and Flexible Spending Accounts
• Deductibles
• Out-of-Pocket Maximums
• Networks
• Utilization Review

• What’s Covered

• Preventive/Wellness Care
• Maternity
• Family Planning
• Gender Affirming Surgery
• Gene Therapy Services
• Inpatient Hospital and Physician Services
• Cardiac Care
• Massage Therapy
• Mastectomy - Reconstructive Surgery
• Musculoskeletal Surgery - Knee, Hip, Spine
• Obesity Surgery
• Occupational Therapy
• Orthognathic Coverage
• Physical Therapy
• Sword Thrive Digital Physical Therapy
• Prescription Drugs
• Prescription Drug Programs
• Mental Health/Substance Use
• Speech Therapy
• Temporomandibular Joint (TMJ) Coverage
• Travel and Lodging
• Virtual Medicine
• Detailed List of Covered Services

• What’s Not Covered

• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Use
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• TMJ
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions

• Filing a Claim

• Appealing a Claim

• Glossary

• Kaiser Medical Plan Options

• The Medical Plan Options at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Kaiser Medical Plan Options Work

• Health Savings Account and Flexible Spending Accounts
• Deductibles
• Out-of-Pocket Maximums
• Networks

• Filing a Claim

• Appealing a Claim

• Glossary

• HMSA’s Health Plan Hawaii Plus HMO

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Plan Works
• Filing a Claim
• Glossary

• HMSA’s Preferred Provider Plan (PPP)

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Plan Works
• Filing a Claim
• Glossary

• Surest Copay Plan

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Plan Works

• Flexible Spending Accounts
• Out-of-Pocket Maximums
• Network
• Utilization Review

• What’s Covered

• Preventive/Wellness Care
• Maternity
• Family Planning
• Gender Affirming Surgery
• Inpatient Hospital and Physician Services
• Massage Therapy
• Mastectomy - Reconstructive Surgery
• Musculoskeletal Surgery - Knee, Hip, Spine
• Obesity Surgery
• Occupational Therapy
• Physical Therapy
• Sword Thrive Digital Physical Therapy
• Prescription Drugs
• Prescription Drug Programs
• Mental Health/Substance Use
• Speech Therapy
• Temporomandibular Joint (TMJ) Coverage
• Travel and Lodging
• Virtual Medicine
• Detailed List of Covered Services

• What’s Not Covered

• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs Administered through Surest (see prescription drugs section for exclusions specific to CVS Caremark®)
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Gender Dysphoria
• Medical Supplies and Appliances
• Mental Health/Substance Use
• Nutrition
• Physical Appearance
• Procedures and Treatments
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Types of Care
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions

• Filing a Claim

• Appealing a Claim

• Glossary

• Post-65 Retiree Medical Coverage

• Retiree Reimbursement Account (RRA) Plan

• The RRA Plan at a Glance
• Participating in the RRA Plan

• Eligibility
• When Participation Begins
• When Participation Ends

• How the RRA Plan Works
• Using the Benefit Dollars in your RRA
• Required Information for Filing a Claim for Reimbursement of Eligible Healthcare Expenses

• Claim for Reimbursement Denials and Appeals

• What’s Not Covered
• Glossary

• Dental Plan

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Plan Works

• About the Network
• Deductible
• Predetermination of Benefits
• Treatment Started Before Coverage Begins
• Treatment Started Before Coverage Ends
• Coordinating with Other Plans

• What’s Covered

• Alternative Benefits
• Covered Service Benefits and ADA Codes

• What’s Not Covered

• General Exclusions
• Diagnostic and Preventive Exclusions
• Restorative Exclusions
• General Services Exclusions
• Orthodontic Exclusions

• Filing Claims

• Appealing Claims

• Glossary

• Vision Care Plan

• Plan at a Glance
• Participating in the Plan

• Enrollment
• Cost of Coverage
• ID Cards

• How the Plan Works

• Finding a VSP Network Doctor
• Non-VSP Doctors
• What to Know About Vision Care
• Coordinating with other plans

• What’s Covered

• More on Covered Services

• What’s Not Covered
• Filing a Claim
• Glossary

• Spending Accounts

• Participating in Spending Accounts

• Health Care Flexible Spending and Limited Purpose Health Care Flexible Spending Accounts

• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Participation Starts
• When Participation Ends
• Continuing Participation

• Dependent Care Flexible Spending Account

• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Participation Starts
• When Participation Ends
• Continuing Participation

• Health Savings Account

• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Contributions Start
• When Contributions End
• Continuing Participation

• Health Savings Account

• The Account at a Glance
• Participating in the Account

• Enrollment
• Contributions
• Contribution Limits
• Investment Options
• When Contributions Start
• When Contributions End
• Taxes

• How the Account Works

• Withdrawals

• Qualified Medical Expenses
• Nonqualified Medical Expenses
• Account Information
• Glossary

• Dependent Care Flexible Spending Account

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Contributions
• Taxes

• How the Plan Works

• Impact on Benefits
• Reimbursements

• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Health Care Flexible Spending Account

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Contributions
• Taxes

• How the Plan Works

• Impact on Benefits
• Reimbursements

• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Limited Purpose Health Care Flexible Spending Account

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Contributions
• Taxes

• How the Plan Works

• Impact on Benefits
• Reimbursements

• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Insurance Benefits

• Participating in Insurance Benefits

• Eligible Employees

• Your Eligibility Date

• Eligible Family Members

• Spouses and Domestic Partners
• Children

• Enrollment
• Beneficiaries
• Costs
• When Coverage Starts
• Changing Your Coverage
• When Coverage Ends
• Continuing Coverage

• Basic Life Insurance Plan

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• When Coverage Ends

• How the Plan Works

• Salary
• Accelerated Benefit Option
• Assigning Your Benefit
• Retiree Benefit

• Funeral Discount and Planning Services
• Grief Counseling
• Survivor Assistance
• Empathy Services
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Group Variable Universal Life (GVUL) Insurance Plan

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Eligible Children
• Eligible Spouse/Domestic Partner
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends

• How the Plan Works
• Spouse/Domestic Partner Coverage - How the Plan Works
• Child Coverage - How the Plan Works

• Salary
• Accelerated Benefit Option
• Investment Feature
• Assigning Your Benefit

• Funeral Discount and Planning Services
• Grief Counseling
• Survivor Assistance
• Empathy Services
• Will Preparation
• Estate Resolution
• Digital Estate Planning
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Voluntary AD&D Plan

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends
• Beneficiaries

• How the Plan Works

• Spouse and Domestic Partner Benefits
• Dependent Children Benefits
• Coma Benefits
• Dismemberment Benefits
• Additional Benefits
• What Is Not Covered

• How Benefits Are Paid
• Filing a Claim
• Glossary

• Personal Excess Liability Insurance Plan

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Enrollment
• Changing Coverage
• When Coverage Ends
• Underlying Primary Levels of Coverage
• Cost of Coverage

• How the Plan Works

• What’s Covered
• Supplementary Payments

• Exclusions
• Glossary

• Business Travel Accident Insurance Plan

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Cost of Coverage
• When Coverage Begins
• When Coverage Ends
• Beneficiaries

• How the Plan Works

• Spouse and Domestic Partner Benefits
• Dependent Children Benefits
• Coma Benefits
• Dismemberment Benefits
• Additional Benefits

• What Is Not Covered
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Disability Coverage

• Short Term Disability Benefits Payroll Policy

• Participating in the STD Benefits Payroll Policy

• Eligible Employees
• Eligibility Date
• When Coverage Starts and Ends
• Enrollment
• Cost of Coverage

• Duration and Coverage Level of STD Benefits

• Elimination Period
• Coverage Level and Duration
• Actively-At-Work

• Qualifying for STD Benefits

• Serious Health Condition
• Exclusions
• Filing a Claim
• Disability Review Process

• Payment Information

• Initiation of Payments
• Method of Payments
• Taxes on STD Benefits
• Effect on Other Benefits
• Merit Increases
• Company Holidays
• Termination of Payments

• Additional Periods of Disability

• Modified Work Schedule
• Recurring Disabilities

• Federal, State and Local Family & Medical Leave Laws
• Returning to Work
• Contact with Manager
• Subrogation
• Overpayment
• Denial of a Claim

• Eligibility to Participate and Procedural Step Appeals
• Claims Administrator Appeal

• Amendment or Termination of This STD Benefits Payroll Policy

• Basic Long Term Disability

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• When Coverage Starts and Ends
• Cost of Coverage

• How the Plan Works

• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits

• Disability Payment Details

• Getting Paid

• Other Sources of Disability Benefits

• Subrogation

• Filing a Claim
• Glossary

• Optional Long Term Disability

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• When Coverage Starts and Ends
• Cost of Coverage

• How the Plan Works

• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits

• Disability Payment Details

• Getting Paid

• Other Sources of Disability Benefits

• Subrogation

• Filing a Claim
• Glossary

• Long Term Disability Bonus Income Plan

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Changing Coverage
• When Coverage Starts
• When Coverage Ends
• Cost of Coverage

• How the Plan Works

• Eligible Bonus
• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits

• Disability Payment Details

• Getting Paid

• Other Sources of Disability Benefits
• Filing a Claim
• Glossary

• Individual Disability Insurance Plan

• The Plan at a Glance
• Participating in the Plan

• Enrollment
• Changing Coverage
• When Coverage Starts
• When Coverage Ends
• Cost of Coverage

• Taxes
• How the Plan Works

• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work Benefits

• Disability Payment Details

• Getting Paid

• Other Sources of Disability Benefits
• Filing a Claim
• Glossary

• Investment and Retirement

• Employee Stock Purchase Plan

• The Plan at a Glance
• How the Plan Works

• Eligibility
• Enrollment
• Contributions
• If You Leave the Company
• If You Die
• Purchasing Shares

• Share Ownership

• Fidelity Investments Services
• Voting/Ownership Rights
• Dividends

• Taxes
• Legal Disclosures
• Glossary

• Marsh & McLennan Companies 401(k) Savings & Investment Plan

• The Plan at a Glance

• Edelman Financial Engines

• Participating in the Plan
• How the Plan Works

• Automatic Enrollment Process
• Vesting
• Receiving a Distribution

• Your Contributions

• Your Contribution Amounts
• Effect on Other Benefits
• Eligible Base Pay for Determining Marsh & McLennan Companies 401(k) Savings & Investment Plan Contributions
• IRS Limit on Pay
• Maximum Contributions
• Minimum Contributions
• Catch-up Contributions
• Roth 401(k) Contributions
• Rollovers into the Plan

• In-Plan Roth Conversions

• Maximum Number of In-Plan Roth Conversions
• Taxes on Distributions from In-Plan Roth Conversion Accounts

• Company Matching Contributions

• Breaks in Service
• Rehires
• Transfers from Non-Participating Marsh & McLennan Companies
• Leave of Absence

• Fixed Company Contributions

• Breaks in Service
• Rehires
• Transfers from Non-Participating Marsh & McLennan Companies
• Leave of Absence

• JLT Transition Contributions

• Eligibility & Amount
• How You Received the JLT Transition Contribution
• Vesting and Distribution Rules

• Investing Your Account Balance

• How Company Contributions Are Invested
• Special Company Contributions
• Changing Investment Direction of Future Contributions
• Moving Money Among Funds
• Your Investment Options
• Learning More About the Funds
• Limit on Number of Funds
• Outside Investments
• Making Investment Elections
• No Investment Election
• Responsibility for Investment Decisions and Performance
• Investing In Marsh & McLennan Companies Stock
• How Your Account Is Valued
• Prices Used To Value Stock
• Fees For Investment Changes

• Dividends on Marsh & McLennan Companies Shares and Stock Voting Rights

• MMC Stock Fund Record and Payout Dates
• Dividend Direction Options
• Changing Your Dividend Election
• Taxes on Dividends
• About Marsh & McLennan Companies Stock

• In-Service Withdrawals

• Qualifying for an In-service Withdrawal
• Requesting an In-Service Withdrawal
• Check Delivery
• Redepositing My Withdrawals
• Taxes on Withdrawals

• Financial Hardship Withdrawals

• Approval
• Taxes on Financial Hardship Withdrawals
• How to Apply
• Check Delivery

• Loans

• Comparison with Withdrawals
• Loan Terms
• Maximum Number of Loans
• Available Loan Amount
• Loan Repayment Summary
• Applying for a Loan
• Loan Defaults
• Consequences of Loan Default
• Requesting a Loan
• Home Purchase Loan
• Loan Taxes
• Available Loan Amounts
• Loan Repayments
• Repaying Loan When Not Working

• Transfers to a Non-Participating Company
• Leaving the Company

• Leaving Your Money in the Plan
• Taxes When Taking a Distribution
• Reporting a Change in Address

• How Benefits Are Paid

• Direct Deposit
• Distribution Delivery
• Stock Distributions
• Resale Restrictions

• When Benefits Are Paid

• Automatic Distributions
• Required Minimum Distribution
• Requesting a Required Minimum Distribution
• Taxes on Required Minimum Distributions

• Applying for Benefit

• Spouse Consent

• Rollovers Out of the Plan

• How to Apply for a Rollover
• Distributions Including Outstanding Loans

• How Benefits Are Taxed

• Effect on Your Paycheck
• Taxes When Taking a Distribution
• Tax Treatment of an In-Kind Distribution of Marsh & McLennan Companies Stock

• In Case of Divorce
• In Case of Your Death

• Choosing a Beneficiary
• Changing a Beneficiary
• Who Gets Your Benefit
• How the Benefit Is Paid
• How to Apply for a Benefit
• When a Benefit Is Paid
• Taxes

• Merged Plans

• Plan Spin-off or Merger

• Account Information

• Account Updating
• Account Statements

• Miscellaneous

• Account and Investment Management Fees

• Glossary

• MMA 401(k) Savings & Investment Plan

• The Plan at a Glance

• Edelman Financial Engines

• Participating in the Plan
• How the Plan Works

• Automatic Enrollment Process
• Vesting
• Receiving a Distribution

• Your Contributions

• Your Contribution Amounts
• Effect on Other Benefits
• Eligible Base Pay for Determining MMA 401(k) Savings & Investment Plan Contributions
• IRS Limit on Pay
• Maximum Contributions
• Minimum Contributions
• Catch-up Contributions
• Roth 401(k) Contributions
• Rollovers into the Plan

• In-Plan Roth Conversions

• Maximum Number of In-Plan Roth Conversions
• Taxes on Distributions from In-Plan Roth Conversion Accounts

• Company Matching Contributions

• Breaks in Service
• Rehires
• Transfers from Non-Participating MMA and Marsh McLennan
• Leave of Absence

• Investing Your Account Balance

• How Company Matching Contributions Are Invested
• Special Company Contributions
• Changing Investment Direction of Future Contributions
• Moving Money Among Funds
• Your Investment Options
• Learning More About the Funds
• Limit on Number of Funds
• Outside Investments
• Making Investment Elections
• No Investment Election
• Responsibility for Investment Decisions and Performance
• Investing In Marsh & McLennan Companies Stock
• How Your Account Is Valued
• Prices Used To Value Stock
• Fees For Investment Changes

• Dividends on Marsh & McLennan Companies Shares and Stock Voting Rights
• In-Service Withdrawals

• Qualifying for an In-Service Withdrawal
• Requesting an In-Service Withdrawal
• Check Delivery
• Redepositing My Withdrawals
• Taxes on Withdrawals

• Financial Hardship Withdrawals

• Approval
• Taxes on Financial Hardship Withdrawals
• How to Apply
• Check Delivery

• Loans

• Comparison with Withdrawals
• Loan Terms
• Maximum Number of Loans
• Available Loan Amount
• Loan Repayment Summary
• Applying for a Loan
• Loan Defaults
• Consequences of Loan Default
• Requesting a Loan
• Home Purchase Loan
• Loan Taxes
• Available Loan Amounts
• Loan Repayments
• Repaying Loan When Not Working

• Leaving the Company

• Leaving Your Money in the Plan
• Taxes When Taking a Distribution
• Reporting a Change in Address

• How Benefits Are Paid

• Direct Deposit
• Distribution Delivery
• Stock Distributions
• Resale Restrictions

• When Benefits Are Paid

• Automatic Distributions
• Required Minimum Distributions of Roth Balances
• Requesting a Required Minimum Distribution
• Taxes on Required Minimum Distributions

• Applying for Benefit

• Spouse Consent

• Rollovers Out of the Plan

• How to Apply for a Rollover
• Distributions Including Outstanding Loans

• How Benefits Are Taxed

• Effect on Your Paycheck
• Taxes When Taking a Distribution
• Tax Treatment of an In-Kind Distribution of Marsh & McLennan Companies Stock

• In Case of Divorce
• In Case of Your Death

• Choosing a Beneficiary
• Changing a Beneficiary
• Who Gets Your Benefit
• How the Benefit Is Paid
• How to Apply for a Benefit
• When a Benefit Is Paid
• Taxes

• Merged Plans

• Plan Spin-off or Merger

• Account Information

• Account Updating
• Account Statements

• Miscellaneous

• Account and Investment Management Fees

• Glossary

• Supplemental Savings & Investment Plan

• The Plan at a Glance

• Edelman Financial Engines

• Participating in the Plan
• How the Plan Works

• Deferrals and Credits
• Vesting
• Effect on Other Company Benefits
• Rollovers Into the Plan

• Company Matching Credits

• What Pay Counts
• Company Match Rate
• Transfers from Non-Participating Marsh McLennan
• Employees of Acquired Businesses
• If You Are Rehired
• If You Take a Leave of Absence

• Fixed Company Credits

• What Pay Counts
• Transfers from Non-Participating Marsh McLennan
• Employees of Acquired Businesses
• If You Are Rehired
• If You Take a Leave of Absence

• Your Deferrals

• Relationship to Marsh & McLennan Companies 401(k) Savings & Investment Plan Deferral Elections
• Changing Your Deferrals
• Stopping Your Deferrals
• Your Deferrals If You Take an Unpaid Leave of Absence or Go on Long Term Disability

• Notionally Investing Your Account Balance

• Notional Investment of Employee Deferrals
• Changing Notional Investment Direction
• Moving Money Among Notional Investment Options
• Your Notional Investment Options
• Learning More About the Notional Investment Options
• Number of Notional Investment Options You May Elect
• Outside Investments
• Making Notional Investment Option Elections
• No Notional Investment Direction Election
• Responsibility for Notional Investment Option Decisions and Performance
• Ability to Diversify
• Directing, Reallocating and Valuing Notional Investment Options
• About Marsh & McLennan Companies Stock

• When Benefits Are Paid
• How Benefits Are Paid

• Distribution Elections/Changes
• Direct Deposit
• Distribution Delivery
• Rollovers

• How Benefits Are Taxed

• Taxes on Deferrals
• Taxes When Taking a Distribution

• In Case of Your Death

• Choosing a Beneficiary
• Changing a Beneficiary
• No Beneficiary Named
• Who Gets Your Benefit
• How the Benefit Is Paid
• How to Apply for a Benefit
• When a Benefit Is Paid
• Taxes

• Transfers to a Non-Participating Company
• Leaving the Company

• Notional Investment Direction for Contributions Following Rehire
• Reporting a Change in Address

• Account Information

• Grandfathered Portion of Account
• Account Updating
• Account Statements

• Miscellaneous

• Account and Investment Management Fees
• Failure to Comply with Requirements of IRC Section 409A
• Change in Control
• Amendment and Termination of the Plan
• Future Fund Reallocation and/or Transfers in the Event of Plan Termination

• Glossary

• Benefit Equalization Plan

• Important Concepts for Non-qualified Retirement Plans
• US Retirement Program
• How to Use this Section of the Benefits Handbook
• The BEP at a Glance
• Participating in the Plan
• How the BEP Works

• Plan Benefit Formula for Benefit Accrued on or after January 1, 2006 and before January 1, 2017
• Plan Benefit Formula for Benefit Accrued prior to January 1, 2006
• Accrued Benefit Credited Both Before and After January 1, 2006
• Transition Benefit
• What Pay Counts
• Vesting

• When the 409A BEP Benefit Commences

• Separation from Service
• Separation from Service Due to a Reduction in Hours
• Separation from Service Due to an Unpaid Leave of Absence
• Separation from Service Due to Disability
• Separation from Service Due to Death prior to Commencement
• 409A BEP Benefit Small Benefit Payment Rule

• How the 409A BEP Benefit is Paid

• How to Make an Election
• Payment Form Options

• Death Before 409A BEP Benefit Commences

• Eligible Survivor
• 409A Survivor Benefit If You Die While Actively Employed
• 409A Survivor Benefit if You Die after Termination of Employment but before Commencing a 409A BEP Benefit

• Obtaining an Estimate
• How 409A BEP Benefit is Taxed

• FICA Tax on Plan Payments
• Income Taxes on Plan Payments
• Withholdings
• Tax Implications if Non-Compliant with IRC Section 409A

• Grandfathered BEP Benefit

• Determining the Grandfathered BEP Benefit
• When the Grandfathered BEP Benefit Commences
• Small Benefit Payment Rule for Grandfathered BEP Benefit
• How Grandfathered BEP Benefits are Paid
• Impact of Starting Payment of Your Retirement Plan Benefit under the Phased Retirement Program
• Grandfathered Survivor Benefits
• How the Grandfathered BEP Benefit is Taxed

• Glossary

• Supplemental Retirement Plan

• Important Concepts for Non-qualified Retirement Plans
• US Retirement Program
• How to Use this Section of the Benefits Handbook
• The SRP at a Glance
• Participating in the Plan
• How the SRP Works

• Plan Benefit Formula for Benefit Accrued on or after January 1, 2006 and before January 1, 2017
• Plan Benefit Formula for Benefit Accrued prior to January 1, 2006
• Accrued Benefit Credited Both Before and After January 1, 2006
• Transition Benefit
• What Pay Counts
• Vesting

• When the 409A SRP Benefit Commences

• Separation from Service
• Separation from Service Due to a Reduction in Hours
• Separation from Service Due to an Unpaid Leave of Absence
• Separation from Service Due to Disability
• Separation from Service Due to Death prior to Commencement
• 409A SRP Benefit Small Benefit Payment Rule

• How the 409A SRP Benefit is Paid

• How to Make an Election
• Payment Form Options

• Death Before a 409A SRP Benefit Commences

• Eligible Survivor
• 409A Survivor Benefit If You Die While Actively Employed
• 409A Survivor Benefit if You Die after Termination of Employment but before Commencing a 409A SRP Benefit

• Obtaining an Estimate
• How 409A SRP Benefit is Taxed

• FICA Tax on Plan Payments
• Income Taxes on Plan Payments
• Withholdings
• Tax Implications if Non-Compliant with IRC Section 409A

• Grandfathered SRP Benefit

• Determining the Grandfathered SRP Benefit
• When the Grandfathered SRP Benefit Commences
• Small Benefit Payment Rule for Grandfathered SRP Benefit
• How Grandfathered SRP Benefits are Paid
• Impact of Starting Payment of Your Retirement Plan Benefit under the Phased Retirement Program
• Grandfathered Survivor Benefit
• How the Grandfathered SRP Benefit is Taxed

• Glossary

• Marsh & McLennan Companies Retirement Plan

• Important Defined Benefit Plan Concepts
• US Retirement Program
• The Marsh & McLennan Companies Retirement Plan at-a-Glance
• How to Use this Section of the Benefits Handbook
• Participating in the Plan
• How the Marsh & McLennan Companies Retirement Plan Works

• Plan Benefit Formula for Benefit Accrued on or after January 1, 2006
• Plan Benefit Formula for Benefit Accrued prior to January 1, 2006
• Accrued Benefit Credited Both Before and After January 1, 2006
• Transition Benefit
• What Pay Counts
• Benefit Service
• Vesting Service

• When Benefits Commence

• Timing of Small Benefit Payments
• Normal Commencement: If You Commence Once You Attain Age 65
• Early Commencement: If You Commence Before Age 65
• Deferred Commencement: If You Commence After Age 65

• How Benefits are Paid

• Lump Sum
• Normal Form of Payment
• Single Life Annuity
• Contingent Annuity
• Period Certain
• Social Security Level Income
• Special Limited-Time Benefit Payment Opportunities
• Limited Time Benefit Offer in 2017
• Limited Time Benefit Offer in 2018
• Limited Time Benefit Offer in 2023
• Mercer US Phased Retirement Program

• Obtaining an Estimate
• Commencing a Benefit

• If you are Currently an Active Participant Who is Eligible to Retire
• If you are Currently a Terminated Vested or Retired Participant Who has not yet Commenced Monthly Benefit Payments
• If you do not Commence your Benefit by the April 1st Following the Calendar Year in which you Attain Age 70-1/2

• How Benefits are Taxed
• Rollovers
• Death Benefits

• Eligible Survivor if You Die Before Your Benefit Commencement Date
• Survivor Benefit if You Die Before Your Benefit Commencement Date
• Death Benefit if You Die After Your Benefit Commencement Date

• In the Event of Divorce, Legal Separation or Child Support Order
• US Expatriates
• Transfers From a Non-participating Company
• Transfers to a Non-participating Company

• Transfers to Mercer Services on or After March 1, 2016
• Transfers to Mercer HR Services, LLC, Mercer Trust Company and Mercer Health and Benefits Administration, LLC Prior to March 1, 2016
• Transfers to Marsh Risk Consulting Practice, Forensic Construction or Kroll Corporate Preparedness
• Transfers to Marsh ClearSight (formerly CS STARS)
• Transfers to Marsh & McLennan Agency

• If you Leave Marsh McLennan and are Rehired
• Leave of Absence
• Acquired Companies

• Employees of A.S. Hansen Inc. on the Date of the Acquisition
• Employees of Johnson & Higgins on the Date of the Acquisition
• Employees of Meidinger, Inc. on the Date of the Acquisition
• Employees of Montgomery and Montgomery Inc. on the Date of the Acquisition
• Employees of Organization Resources Counselors, Inc. (ORC)
• Employees of Sedgwick on the Date of the Acquisition

• Glossary
• Additional Information

• Employee Programs and Policies

• Education Program

• Scholarship Program

• The Program at a Glance
• Eligibility for the Program
• How the Program Works

• How to Apply
• Other Application Requirements
• Covered Costs
• Financial Concerns

• Voluntary Offerings

• Accident Insurance Plan

• Choice Auto and Home Insurance Program

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Enrollment
• Cost of Coverage
• When Coverage Starts and Ends
• Changing Coverage

• How the Program Works

• Insurance Through the Program
• Filing a Claim

• Critical Illness Insurance Plan

• Hospital Indemnity Insurance Plan

• Identity Protection Benefit Program

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Family Member Eligibility
• Enrollment
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends

• How the Plan Works

• Covered Services

• Glossary

• Pet Insurance Plan (Nationwide®)

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Enrollment
• Cost of Coverage
• When Coverage Starts
• Changing Coverage
• When Coverage Ends

• How the Plan Works
• Covered Services

• Avian and Exotic Pet Plan

• What’s Not Covered by My Pet Protection®
• Filing a Claim
• Glossary

• Additional Benefits

• MSK Direct

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost
• Coordination with Medical Plan

• How the Program Works

• Services Provided
• Maximum
• Complete Confidentiality

• Glossary

• Transportation Reimbursement Incentive Program (TRIP)

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Enrollment
• Taxes
• Changing Coverage
• When Coverage Ends
• Special Notes

• How the Plan Works

• Elections
• Managing Your Elections
• Transit Passes and Parking
• Commuter Cards
• Eligible Expenses
• Ineligible Expenses

• Sword Health Prevention Program

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan

• How the Program Works

• Services Provided
• Maximum
• Confidentiality
• Additional Information

• Glossary

• Bright Horizons Family Solutions

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family and Household Member Eligibility
• When Coverage Starts and Ends
• Cost

• How the Program Works

• Maximum
• Coverage Area

• Glossary

• Goldman Sachs Ayco SurvivorSupport® Financial Counseling Service

• Goldman Sachs Ayco SurvivorSupport® Financial Counseling Service at a Glance
• Participating in Goldman Sachs Ayco SurvivorSupport® Financial Counseling Service

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost

• How Goldman Sachs Ayco SurvivorSupport® Financial Counseling Service Works

• Services Provided
• Complete Confidentiality
• Additional Information

• Teladoc Medical Experts

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and End
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan

• How the Program Works

• Maximum
• Out-of-Area Care
• Emergency Care
• Complete Confidentiality

• Glossary

• Employee Assistance Program (EAP)

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family and Household Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan
• For Former Employees:

• How the Program Works

• Maximum
• Out-of-Area Care
• Emergency Care
• Legal Assistance
• Identity Theft Support
• Financial Services
• Complete Confidentiality

• Glossary

• Care.com Family Resource Program

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member and Household Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy

• How the Program Works

• The Care Specialist
• Referrals

• Glossary

• Health Advocate

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan

• How the Program Works

• Services Provided
• Maximum
• Out-of-Area Care
• Emergency Care
• Complete Confidentiality
• Additional Information

• Glossary

• Legal Assistance Plan

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Family Eligibility
• Enrollment
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends

• How the Plan Works

• Coordination with Other Plans
• Covered Services
• Legal Forms
• Reimbursements
• Filing a Claim

• Detailed List of Covered Services
• Defining Covered Services

• Advice and Consultation
• Consumer Protection
• Debt Matters
• Defense of Civil Lawsuits
• Document Preparation
• Family Law
• Personal Injury
• Real Estate Matters
• Traffic and Criminal Matters
• Wills and Estate Planning
• Attorney Services for Non-Covered Matters

• Services Not Covered
• Finding an Attorney

• Attorney Credentials
• Already Working with an Attorney

• Glossary

• Administrative Information

• How the Benefits Handbook Is Used
• Administrative Details about the Plans

• The $1,600 and $3,200 Deductible Plans and Surest Copay Plan
• The Basic Life Insurance Plan
• The Basic Long Term Disability Plan
• Teladoc Medical Experts Program
• The Business Travel Accident Insurance Plan
• Dental Plan
• The Dependent Care Flexible Spending Account Plan (DCFSA)
• The Employee Assistance Program (EAP)
• The Group Benefits Plan
• The Group Variable Universal Life Insurance (GVUL) Plan
• Hawaii - HMSA’s Health Plan Hawaii Plus HMO (HMO)
• Hawaii - HMSA’s Preferred Provider Plan (PPP)
• The Health Advocate Program
• The Health Care Flexible Spending Account Plan (HCFSA)
• The Health Savings Account (HSA)
• The Individual Disability Insurance Plan
• The Legal Assistance Plan
• The Limited Purpose Health Care Flexible Spending Account Plan (LPHCFSA)
• Long Term Disability Bonus Income Plan
• The Sword Thrive Digital Physical Therapy Program
• The Sword Health Wellness Prevention Program
• The Marsh & McLennan Companies Health & Welfare Benefits Program
• The Marsh & McLennan Companies Retirement Plan
• The MSK Direct Program
• The Optional Long Term Disability Plan
• The Voluntary AD&D Plan
• The Retiree Reimbursement Account Plan (RRA)
• The Marsh & McLennan Companies 401(k) Savings & Investment Plan
• The MMA 401(k) Savings & Investment Plan
• The Short Term Disability Benefits Payroll Policy
• The Vision Care Plan

• Other Administrative Details
• ERISA and Your Rights under ERISA

• Your Rights under ERISA
• Prudent Actions by Plan Fiduciaries
• Enforce Your Rights
• Assistance with Your Questions

• Summary Plan Descriptions
• Annual Funding Notice and Summary Annual Reports
• Plan Summaries
• Official Plan Documents
• Plan Amendments
• Plan Termination

• Limits on Plan Amendments

• Claims, Reviews, and Appeals

• Authority over Benefit Determinations and Appeals
• Healthcare and Welfare Plans
• Healthcare Plans
• Dependent Care Flexible Spending Account Plan
• Disability Plans
• Life Insurance, Accident Insurance and Legal Assistance Plans
• Retirement and Savings Plans

• Right of Recovery/Subrogation
• Conversion or Portability Rights
• Non-Assignment of Benefits
• About Plan Coverage

• Healthcare Plans
• Health Care Flexible Spending Account and Limited Purpose Health Care Flexible Spending Account
• Dependent Care Flexible Spending Account
• Health Savings Account

• Other Important Information about the Plans

• Contact Information