Participating in the Plan

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 document to Marsh & McLennan Companies mean Marsh McLennan.

If you are an employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies and you meet the requirements set forth below, you become eligible on your eligibility date.

You have the option to cover:

your spouse or domestic partner who meets the eligibility requirements that are described in the Participating in Insurance Benefits section.

your children who meet the eligibility requirements that are described in "Eligible Children."