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 health care expenses, you can receive your money back tax-free, up to the amount that you elect to contribute for the year and any carryover amount.
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 or 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 elect to participate each plan year in order to participate in the Health Care Flexible Spending Account. You are not eligible for this plan if you enroll in the Marsh & McLennan Companies Health Savings Account.
Contributions	You can contribute between $120 and $3,050 per plan year.
Reimbursements	In general, the Plan will reimburse: eligible health care expenses that are not covered by another plan, including copayments, deductibles, coinsurance and costs after your dental, vision or medical plan paid a benefit, that generally would be qualified medical expenses under federal tax law, and that are incurred in the plan year for which you make contributions.
Unused Contributions	Up to a maximum balance of $610 will be carried over for eligible expenses incurred in the next plan year. Any account balance over $610 will be forfeited after the claims filing deadline of March 31 following the plan year. You have until March 31 of the following year to submit claims for reimbursement of eligible expenses you incur during the plan year.
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.