Benefits Handbook

You may (1) discontinue coverage, or (2) elect to continue coverage and continue making contributions on a before-tax basis* during the leave.

You may (1) discontinue coverage, or (2) elect to continue coverage and continue making contributions on a before-tax basis* during the leave.

You may (1) discontinue coverage, or (2) elect to continue coverage and continue making contributions on a before-tax basis* during the leave.

You may (1) discontinue before-tax contributions and receive reimbursement for expenses incurred before the leave began, or (2) elect to continue contributions on a before-tax basis* during the leave and receive reimbursement for expenses incurred during the leave.

If you continue participating in the $1,600 Deductible Plan or $3,200 Deductible Plan, then you may continue contributing to your HSA on a before- or after-tax basis.* If you do not continue participating in the $1,600 Deductible Plan or $3,200 Deductible Plan or otherwise become ineligible for HSA contributions, you cannot make or receive contributions to your HSA (either on a before- or after-tax basis).

Your coverage continues.

Your coverage continues.

Your coverage continues.

Your coverage continues based on your salary in effect prior to the military call up. There is no exclusion for declared or undeclared war.

Your coverage continues based on your salary in effect prior to the military call up (for Group Variable Universal Life), provided you pay the required contributions. You may not enroll in or increase coverage during the leave. There is no exclusion for declared or undeclared war, and there is no coverage for spouses or children called into military service.

Your coverage continues, provided you pay the required contributions.

Your coverage continues, provided you pay the required contributions.

Your coverage continues, provided you pay the required contributions.

Your coverage continues, provided you pay the required contributions.

Your coverage continues, provided you pay the required contributions.

Your coverage is suspended during the leave; your contributions for the Optional and Long-Term Disability Bonus Income Plans cease.

Your coverage continues, provided you pay the required contributions.

Your coverage ends on the last day you are actively-at-work if you are a Marsh McLennan employee or eligible MMA employee.

If the leave is less than two months, your coverage continues, provided you pay the required contributions.* Otherwise, coverage stops when you are called to military duty. Your coverage for family members can continue through payroll deduction.

Your coverage continues, provided you pay the required contributions.

Your coverage continues, provided you pay the required contributions.

Your coverage continues, provided you pay the required contributions.

Contributions

If you take an unpaid military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), retroactive contributions for all or a period of your leave can be made after you return to active employment with the Company, provided you return within the period required by USERRA.

Loans

While you are on an unpaid military leave of absence, you can continue to make loan repayments by:

Alternatively, you can suspend payments for the duration of your leave. If you suspend payments, interest continues to accrue during the leave. A maximum interest rate cap imposed under federal law could apply.

Contributions

If you take an unpaid military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), retroactive contributions for all or a period of your leave can be made after you return to active employment with the Company, provided you return within the period required by USERRA.

Loans

While you are on an unpaid military leave of absence, you can continue to make loan repayments by:

Alternatively, you can suspend payments for the duration of your leave. If you suspend payments, interest continues to accrue during the leave. A maximum interest rate cap imposed under federal law could apply.

Your contributions may continue (if there is salary from which to withhold). Otherwise, your contributions cease. You can withdraw the balance or keep the balance in the plan to buy shares at the end of the current quarterly purchase period.

If you take a military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), service credit will be provided after you return to work, provided that you return within the period required by USERRA. For the purpose of determining your accrued benefit under the plan, you will receive credit for each regularly scheduled working hour (exclusive of overtime) up to and including December 31, 2016, the date that benefit accruals were discontinued under the plan, during your qualifying leave.

For the purpose of determining your Vesting Service under the plan, you will receive credit for each regularly scheduled working hour (exclusive of overtime) during your qualifying leave.

Your coverage continues.