Administrative Information
How the Benefits Handbook Is Used
Administrative Details about the Plans
The $1,600 and $3,200 Deductible Plans and Surest Copay Plan
The Basic Life Insurance Plan
The Basic Long Term Disability Plan
Teladoc Medical Experts Program
The Business Travel Accident Insurance Plan
Dental Plan
The Dependent Care Flexible Spending Account Plan (DCFSA)
The Employee Assistance Program (EAP)
The Group Benefits Plan
The Group Variable Universal Life Insurance (GVUL) Plan
Hawaii - HMSA's Health Plan Hawaii Plus HMO (HMO)
Hawaii - HMSA's Preferred Provider Plan (PPP)
The Health Advocate Program
The Health Care Flexible Spending Account Plan (HCFSA)
The Health Savings Account (HSA)
The Individual Disability Insurance Plan
The Legal Assistance Plan
The Limited Purpose Health Care Flexible Spending Account Plan (LPHCFSA)
Long Term Disability Bonus Income Plan
The Sword Thrive Digital Physical Therapy Program
The Sword Health Wellness Prevention Program
The Marsh & McLennan Companies Health & Welfare Benefits Program
The Marsh & McLennan Companies Retirement Plan
The MSK Direct Program
The Optional Long Term Disability Plan
The Voluntary AD&D Plan
The Retiree Reimbursement Account Plan (RRA)
The Marsh & McLennan Companies 401(k) Savings & Investment Plan
The MMA 401(k) Savings & Investment Plan
The Short Term Disability Benefits Payroll Policy
The Vision Care Plan
Other Administrative Details
ERISA and Your Rights under ERISA
Summary Plan Descriptions
Annual Funding Notice and Summary Annual Reports
Plan Summaries
Official Plan Documents
Plan Amendments
Plan Termination
Claims, Reviews, and Appeals
Right of Recovery/Subrogation
Conversion or Portability Rights
Non-Assignment of Benefits
About Plan Coverage
Other Important Information about the Plans
MMC Benefits Handbook
The Marsh & McLennan Companies Health & Welfare Benefits Program
Plan Name
Marsh & McLennan Companies Health & Welfare Benefits Program
The plan provides health, dependent care, life insurance and disability benefits to eligible employees through the below component welfare plans. Each of the welfare plans that form the Marsh & McLennan Companies Health & Welfare Benefits Program is not an individual "plan" but is component benefit under a single plan.
  • The $1,600 and $3,200 Deductible Plans
  • The Surest Copay Plan
  • The Basic Life Insurance Plan
  • The Basic Long Term Disability Plan
  • Dental Plan
  • 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 Limited Purpose Health Care Flexible Spending Account Plan (LPHCFSA)
  • Optional Long Term Disability Plan
Plan Number
501
Plan Type
This is a welfare plan.
Plan Year
The plan year is January 1 - December 31.
Plan Sponsor
The Plan Sponsor is:
Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036
Plan Administrator
Unless otherwise stated in the individual welfare plan, the Plan Administrator is Marsh & McLennan Companies, Inc. Benefits Administration Committee and can be reached at:
Marsh McLennan
c/o Global Benefits Department – 31st Floor
1166 Avenue of the Americas
New York, NY 10036
Telephone: +1 212 345 5000
The Plan Administrator has full discretion and authority to control and manage the operation and administration of each of the individual welfare plans that form the Marsh & McLennan Companies Health & Welfare Benefits Program except to the extent authority has been granted to the Claims Administrator for adjudication of claims under such welfare plans.
Group Contract Number
N/A
Source of Benefits Funding
The Marsh & McLennan Companies Health & Welfare Benefits Program provides benefits through various welfare plans. For information on the source of funding, see the individual welfare plans. Notwithstanding anything to the contrary, (i) all of the benefits payable under the Marsh & McLennan Companies Health & Welfare Benefits Program may be paid from contributions made by (a) Marsh & McLennan Companies, Inc., (b) the participating employee or (c) the participating employee paying a fixed fee amount with Marsh & McLennan Companies, Inc. paying the balance and that any of the benefits under the plan may be partly or completely funded through a trust or an insurance policy, (ii) as a condition of eligibility for benefits under any benefit available under the plan, a participant may be required to contribute to the plan in amounts determined by Marsh & McLennan Companies, Inc. in its sole discretion, and (iii) any assets of the plan, including participant contributions, may be used to pay for any benefit costs and administrative expenses of the plan and other legally permissible expenses.