Benefits Handbook

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 are eligible to participate in the Individual Disability Insurance Plan.

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)). In addition, you must have eligible insurable income as defined for purposes of the Individual Disability Insurance Plan. See "What is Eligible Insurable Income for the Individual Disability Insurance Plan?" for details.

Individuals who are classified on payroll as temporary employees, who are compensated as independent contractors or who are employed by any entity in Bermuda, Barbados or Cayman Islands are not eligible to participate.

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 – Northeast (MMA-Northeast) Marsh & McLennan Agency LLC – Alaska (MMA-Alaska) or Marsh & McLennan Agency LLC, Private Client Services – National Region (MMA PCS – National). In addition, you must have eligible insurable income as defined for purposes of the Individual Disability Insurance Plan. See "What is Eligible Insurable Income for the Individual Disability Insurance Plan?" for details.

Individuals who are classified on payroll as temporary employees or who are compensated as independent contractors are not eligible to participate.