The Plan at a Glance

MMC Benefits Handbook


Plan Feature	Highlights
How the Plan Works	You may contribute to the Plan through payroll deductions on a before-tax basis. When you have reimbursable dependent care expenses, you can receive your money back tax-free, up to the amount that is in your account when you ask for reimbursement.
Eligibility	You are eligible if you are an employee classified on payroll as a US regular employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than Marsh & McLennan Agency LLC and any of its subsidiaries (MMA)). You are eligible if you are an employee classified on payroll as a US regular employee of Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Alaska (MMA-Alaska), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast), Security Insurance Services of Marsh & McLennan Agency LLC or Marsh & McLennan Agency LLC, Private Client Services – National Region (MMA PCS – National). See "Participating in the Plan" for details.
Enrollment	You are eligible to enroll: within 30 days of the date you become eligible during Annual Enrollment. You must enroll each plan year in order to participate in the Dependent Care Flexible Spending Account.
Contributions	You can contribute: between $120 and either: $2,500 per year if you are married and you and your spouse file separate income tax returns, or $5,000 per year if you are single or if you are married and you and your spouse file a joint income tax return.
Reimbursements	In general, the Plan will reimburse expenses: for care provided to your qualifying family members during the hours that you and your spouse are working, looking for work, or attending school full time that generally could be applied as a dependent care tax credit on your tax return if you did not use the Plan for dependent care services in the plan year for which you make contributions.
Unused Contributions	In accordance with IRS rules, you will forfeit any account balance remaining in your Dependent Care Flexible Spending Account not used to pay eligible expenses incurred between January 1 and December 31 of the plan year if they are not submitted by March 31 of the following year. You have until March 31 of the following year to submit claims for reimbursement of eligible expenses you incur during the plan year.
Qualifying Family Members	Generally, a qualifying family member is: your qualifying child up to the age 12 (i.e., until the child's 13th birthday) who lives with you for more than half the year, if you claim your child as a dependent on your tax return a dependent of any age, like a parent, grandparent, brother or sister, who is physically or mentally not able to provide self-care, who lives with you for more than half the year, and whom you claim as a dependent on your tax return your spouse who is physically or mentally not able to provide self-care and who lives with you for more than half the year. See "Participating in the Plan" for more details.
Contact Information	For more information, contact: Spending Account Service Center (Claims Administrator) P.O. Box 350 Conshohocken, PA 19428 Phone: +1 866 324 4087 Fax: +1 888 788 1928 Website: https://trion.lh1ondemand.com/ Marsh McLennan does not administer this plan. The Spending Account Service Center's decisions are final and binding.