Participating in Healthcare Benefits

MMC Benefits Handbook

"You," "Your," and "Employee"

As used throughout this plan summary, "employee", "you" and "your" always mean:

For Marsh & McLennan Companies participants: a US regular employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than MMA).

For MMA participants: a US regular employee of MMA-Corporate, MMA-Alaska, MMA-Northeast, Security Insurance Services of Marsh & McLennan Agency LLC or Marsh & McLennan Agency LLC, Private Client Services – National Region (MMA PCS - National).

In addition, references in this section to Marsh & McLennan Companies mean Marsh McLennan.

This section explains which employees are eligible to participate in the Marsh & McLennan Companies (Company) healthcare benefits. This section also explains which family members are eligible to participate in the healthcare plans.

Participation Information for Non-Employees

For the healthcare plans that provide benefits for those who are not current employees (such as Medicare eligible retirees), the eligibility and participation information is generally contained in the section that describes the applicable benefit. However, information on pre 65 retiree medical coverage can be found in the section called Participating in Pre-65 Retiree Medical Coverage.