Benefits Handbook

Following is a summary of the benefit plans available to you when you start work with the Company.

You may elect coverage under the plan for you and your eligible family members. You may have a choice of plans to select from:

Eligibility for certain medical plans is based on your residence zip code.

You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when you are actively-at-work if you are a Marsh McLennan employee or eligible MMA employee.

You may elect coverage under the plan for you and your eligible family members.

You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh McLennan employee or eligible MMA employee.

You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.

Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.

You have to participate in the Marsh & McLennan Companies $1,600 Deductible Plan or $3,200 Deductible Plan to enroll in this plan.

You are eligible to enroll:

You must enroll each plan year in order to participate in the Limited Purpose Health Care Flexible Spending Account.

You are eligible to participate in the Limited Purpose Health Care Flexible Spending Account if you meet the eligibility requirements described in the Participating in Spending Accounts section.

Note: If your spouse is enrolled in a traditional health care flexible spending account or non-high-deductible health plan, you will not be eligible to contribute to this plan or the Marsh & McLennan Companies Health Savings Account. If you are covered by a traditional health care flexible spending account, including either the Marsh & McLennan Companies Health Care Flexible Spending Account or another health care flexible spending account (e.g., through your spouse or another job), you will not be eligible to participate in this plan.

When you first enroll as a newly eligible employee or as a result of a qualified family status change, deductions will begin in the next available pay period after your enrollment is processed.

If you enroll during the Annual Enrollment period, your contributions will begin with the first paycheck of the new plan year.

You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.

Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.

You must enroll (subject to eligibility requirements):

You must enroll each plan year in order to participate in the Health Savings Account.

Enrollment procedures are described in the Participating in Spending Accounts section.

Deductions will begin:

You will automatically be enrolled on your first day of eligibility when you are Actively-At-Work if you are a Marsh McLennan employee or eligible MMA employee.

You must enroll within 30 calendar days of your start date. Once you enroll, your coverage will start the day after your saved election in the Company's enrollment system, as long as you are Actively-At-Work if you are a Marsh McLennan employee or eligible MMA employee.

Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh McLennan employee or eligible MMA employee.

As of May 1, 2014, UNUM ceased writing the Personal Life Insurance product, therefore, the Personal Life Insurance Plan has been frozen effective May 1, 2014. No new enrollees will be allowed into the plan. If you currently are a UNUM Personal Life Insurance Plan participant, you will remain in the plan and payroll deductions will continue unless you elect otherwise.

You will automatically be enrolled on your first day of eligibility when you are Actively-At-Work if you are a Marsh McLennan, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast), Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) or Marsh & McLennan Agency LLC, Private Client Services – National Region (MMA PCS – National) employee.

You will automatically be enrolled on your first day of eligibility when you are Actively-At-Work if you are a Marsh McLennan, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast), Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) or Marsh & McLennan Agency LLC, Private Client Services – National Region (MMA PCS – National) employee.

You can enroll at any time, but Evidence of Insurability is required if you enroll after 30 calendar days from your eligibility date.

Once you enroll, your coverage is effective on your first day of eligibility when you are Actively-At-Work if you are a Marsh McLennan, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast), Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) or Marsh & McLennan Agency LLC, Private Client Services – National Region (MMA PCS – National) employee.

The Long Term Disability Bonus Income plan year starts January 1st and ends December 31st. A newly eligible participant of Marsh McLennan, Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast), Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) or Marsh & McLennan Agency LLC, Private Client Services – National Region (MMA PCS – National) can enroll in the plan during the Annual Enrollment period (normally in November of each year).

As of July 1, 2022, the Individual Disability Insurance Plan is frozen. No new enrollees will be allowed into the plan. If you currently are a Unum Individual Disability Insurance Plan participant, you will remain in the plan and payroll deductions will continue unless you elect otherwise.

Enrollment in the Personal Excess Liability Insurance 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.

You enroll for coverage by going to Voluntary Benefits (www.mmcvoluntarybenefits.com).

You must enroll within 30 calendar days of your start date.

You must enroll within 30 calendar days of your start date.

You must enroll within 30 calendar days of your start date.

You are eligible to participate immediately if you are classified as a US regular or temporary employee (including US expatriates) of the Company* or any of its subsidiaries, are paid on a US payroll and are at least age 18 years of age. Your election will be effective in the next available pay cycle.

To enroll, go to Colleague Connect (https://mmcglobal.sharepoint.com/sites/home), click Pay & Benefits and select Transamerica under Benefits or call HR Services at +1 866 374 2662.

You must make the elections 11 business days (if you are on the semi-monthly payroll) or 5 business days (if you are on the weekly payroll) prior to the paycheck in which you wish the enrollment to be reflected.

*"Company means" Marsh & McLennan Companies, Inc. and its subsidiaries other than Marsh & McLennan Agency LLC.

You are eligible to participate immediately if you begin employment with MMA* or any subsidiary or affiliate of MMA that adopts the Plan, are paid on a US payroll and are at least 18 years of age. Your election will be effective in the next available pay cycle.

To enroll, go to Colleague Connect (https://mmcglobal.sharepoint.com/sites/home), click Pay & Benefits and select Transamerica under Benefits or call HR Services at +1 866 374 2662.

You must make the elections 11 business days (if you are on the semi-monthly payroll) or 5 business days (if you are on the weekly payroll) prior to the paycheck in which you wish the enrollment to be reflected. The deadlines that apply to you may be different if you are on a payroll system that is not managed by Marsh McLennan.

You are eligible to participate if:

If eligible, you must enroll during the Annual Enrollment period for participation effective in the following calendar year.

To enroll, go to Colleague Connect (https://mmcglobal.sharepoint.com/sites/home), click Pay & Benefits and select Transamerica under Benefits or call HR Services at +1 866 374 2662.

You are eligible to participate in the Plan on the first business day of October 1 if you are classified on payroll as a US (regular or temporary) employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies provided that you:

If you are rehired and you had at least six months of service when you left the Company, you may be eligible to participate at the start of the next plan year, which begins on the first business day of October, without any prior waiting period. If you do not have a total of six months of service by the first business day of October, you must wait until the next plan year to participate.

You may enroll in the plan during Annual Enrollment (generally in early September.

You enroll for coverage by contacting HealthEquity (www.wageworks.com).

Your coverage begins when your application for coverage has been approved by the program's insurer.

You enroll for coverage by contacting Mercer Health & Benefits Administration at +1 800 225 2265.

Nationwide:

If you are a Marsh McLennan employee or MMA employee and meet the eligibility requirements, you are immediately eligible.