MMC Benefits Handbook
Summary Plan Descriptions
About SPDs
Summary Plan Descriptions (SPDs) are intended to provide you with easy-to-understand general explanations of the more significant provisions of your benefit plans. If any conflict should arise between the Summary Plan Description and the provisions of the plan, or if any provision is not explained or only partially explained in the Summary Plan Description, your rights will be determined under the provisions of the plan document (which may be changed from time to time), as interpreted by the Claims Administrator or Plan Administrator, as applicable.
Plans subject to ERISA, described under "ERISA and Your Rights under ERISA", are required to provide Summary Plan Descriptions (SPDs) for those plans. This Benefits Handbook serves as the Summary Plan Description for the following plans:
Health & Welfare Plans
  • The $1,600 and $3,200 Deductible Plans
  • The Surest Copay Plan
  • The Basic Life Insurance Plan
  • The Basic Long Term Disability Plan
  • The Teladoc Medical Experts Program
  • The Business Travel Accident Insurance Plan
  • The Dental Plan
  • The Employee Assistance Plan (EAP)
  • The Group Variable Universal Life Insurance (GVUL) Plan
  • Hawaii – HMSA's Health Plan Hawaii Plus (HMO)
  • Hawaii – HMSA's Preferred Provider Plan (PPP)
  • The Health Care Flexible Spending Account Plan (HCFSA)
  • The Individual Disability Insurance Plan
  • The Legal Assistance Plan
  • The Limited Purpose Health Care Flexible Spending Account Plan (LPHCFSA)
  • The Long Term Disability Bonus Income Plan
  • The Optional Long Term Disability Plan
  • The Voluntary AD&D Plan
  • The Retiree Reimbursement Account Plan (RRA)
  • The Vision Care Plan
Tax-qualified Retirement and Savings Plans
  • The Marsh & McLennan Companies Retirement Plan
  • The Marsh & McLennan Companies 401(k) Savings & Investment Plan
  • The MMA 401(k) Savings & Investment Plan
The information presented in these Summary Plan Descriptions is intended to comply with the disclosure requirements of the regulations issued by the US Department of Labor under the Employee Retirement Income Security Act of 1974 (ERISA).