Benefits Handbook

• Benefits Handbook

• About This Benefits Handbook

• Life Events

• Adding a Domestic Partner
• About the Life Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Becoming Eligible for State Premium Assistance Program
• About the Event
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Child No Longer Eligible for Benefits
• About the Event
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Death of a Child
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Death of a Spouse
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Death of an Employee
• Plans That May Pay Survivor Benefits
• Plans That Do Not Pay Survivor Benefits
• Special Death Benefit
• Beneficiary Elections
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Contact
• Getting Divorced
• About the Event
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Getting Legally Separated
• About the Event
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Getting Married
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related changes
• Other Things to Think About
• Beneficiary Elections
• Contact
• Having a Baby / Adopting a Child
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• CHIP/Medicaid Loss of Eligibility
• About the Event
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Covered Family Member Gains Coverage Elsewhere/or Becomes Eligible for Government Insurance
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Spouse Leaves a Job
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Employee Assistance Program (EAP)
• Contact
• Spouse - Loss/Change of Coverage under Another Employer Plan
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Employee Assistance Program (EAP)
• Contact
• Termination of a Domestic Partnership
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-Related Changes
• Employee Assistance Program (EAP)
• Contact
• Glossary

• Work Events

• Authorized Unpaid Leave of Absence

• About the Event
• Impact on Benefits
• Paying for Coverage While on Leave
• Contact

• Leaving the Company

• About the Event
• Pay-Related Information

• COBRA Coverage
• COBRA Eligibility and Enrollment
• COBRA Rates

• Impact on Benefits
• Qualifying Event-Termination of Employment
• Other Things to Think About
• Contact

• Military Leave and Your Benefits

• Your Benefits Coverage
• Will I Lose Coverage?
• Contact

• Newly Hired or Rehired Employee

• Getting Paid
• Benefit-Related Information

• Rehired by the Company

• Enrollment in Before-Tax Benefits
• Available Benefit Plans
• Beneficiary Elections
• Company Policies

• Relocation

• About the Event
• Pay-related information
• Relocation Assistance
• Employee Assistance Program (EAP)
• Transfers
• Glossary

• Healthcare Benefits

• Participating in Healthcare Benefits

• Eligible Employees

• Your Eligibility Date

• Eligible Family Members

• Spouses and Domestic Partners
• Children

• Retiree Plan Participation

• Retiree Eligibility Requirements
• Transfers/Status Changes/Rehires

• Enrollment

• Enrolling/Terminating Retiree Medical Plan Coverage
• Deferring Retiree Medical Plan Coverage

• Costs

• Taxes

• When Coverage Starts
• If You Have Other Coverage
• Changing Levels of Coverage
• When Coverage Ends
• Continuing Coverage

• About COBRA Coverage
• COBRA Eligibility and Enrollment
• COBRA Rates
• COBRA and Flexible Spending Accounts
• Employee Enrollment in COBRA Coverage
• Enrolling a Family Member under COBRA
• Changes While on COBRA
• Paying for COBRA Coverage
• Extending Benefits Due to Disability
• Impact of Medicare Eligibility
• When COBRA Coverage Ends
• Filing a Claim under COBRA
• COBRA Contact

• HIPAA

• How HIPAA Works
• Enrollment
• Pre-existing Conditions and Coverage Information

• Glossary
• Transparency in Coverage — Machine-Readable Files
• Your Rights and Protections Against Surprise Medical Bills
• Medical Coverage Options
• Participating in Pre-65 Retiree Medical Coverage
• Eligibility
• Spouses and Domestic Partners
• Transfers/Status Changes/Rehires
• Enrollment
• Enrolling/Terminating Retiree Medical Plan Coverage
• Deferring Retiree Medical Plan Coverage
• Enrollment Changes
• Paying for Coverage
• When Coverage Begins
• Aetna Medical Plan Options
• The Medical Plan Options at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Medical Plan Options Work
• Member Advocacy
• Health Savings Account and Flexible Spending Accounts
• Deductibles
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What’s Covered
• Preventive/Wellness Care
• Maternity
• Family Planning
• Gender Reassignment Surgery
• Inpatient Hospital and Physician Services
• Mastectomy - Reconstructive Surgery
• Obesity Surgery
• Musculoskeletal Surgery - Knee, Hip, Spine
• Occupational Therapy
• Orthognathic Coverage
• Physical Therapy
• Prescription Drugs
• Prescription Drug Programs
• Mental Health/Substance Use
• Speech Therapy
• Temporomandibular Joint (TMJ) Coverage
• Virtual Medicine
• Detailed List of Covered Services
• What’s Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Use
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• TMJ
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Appealing a Claim
• Glossary
• Anthem BlueCross BlueShield Medical Plan Options
  • The Medical Plan Options at a Glance
  • Participating in the Plan
  • Enrollment
  • Cost of Coverage
  • ID Cards
  • How the Medical Plan Options Work
  • Member Advocacy
  • Health Savings Account and Flexible Spending Accounts
  • Deductibles
  • Out-of-Pocket Maximums
  • Networks
  • Utilization Review
  • What’s Covered
  • Preventive/Wellness Care
  • Maternity
  • Family Planning
  • Gender Reassignment Surgery
  • Gene Therapy Services
  • Inpatient Hospital and Physician Services
  • Cleveland Clinic Cardiac Concierge
  • Mastectomy - Reconstructive Surgery
  • Musculoskeletal Surgery - Knee, Hip, Spine
  • Obesity Surgery
  • Occupational Therapy
  • Orthognathic Coverage
  • Physical Therapy
  • Prescription Drugs
  • Prescription Drug Programs
  • Mental Health/Substance Use
  • Speech Therapy
  • Temporomandibular Joint (TMJ) Coverage
  • Virtual Medicine
  • Detailed List of Covered Services
  • What’s Not Covered
  • Alternative Treatments
  • Comfort or Convenience
  • Dental
  • Drugs
  • Experimental or Investigational Services or Unproven Services
  • Foot Care
  • Medical Supplies and Appliances
  • Mental Health/Substance Use
  • Nutrition
  • Physical Appearance
  • Providers
  • Reproduction
  • Services Provided under Another Plan
  • TMJ
  • Transplants
  • Travel
  • Vision and Hearing
  • Work-Related Accident and Illness
  • All Other Exclusions
  • Filing a Claim
  • Appealing a Claim
  • Glossary
  • UnitedHealthcare Medical Plan Options
    • The Medical Plan Options at a Glance
    • Participating in the Plan
    • Enrollment
    • Cost of Coverage
    • ID Cards
    • How the Medical Plan Options Work
    • Member Advocacy
    • Health Savings Account and Flexible Spending Accounts
    • Deductibles
    • Out-of-Pocket Maximums
    • Networks
    • Utilization Review
    • What’s Covered
    • Preventive/Wellness Care
    • Maternity
    • Family Planning
    • Gender Reassignment Surgery
    • Inpatient Hospital and Physician Services
    • Mastectomy - Reconstructive Surgery
    • Musculoskeletal Surgery - Knee, Hip, Spine
    • Obesity Surgery
    • Occupational Therapy
    • Physical Therapy
    • Prescription Drugs
    • Prescription Drug Programs
    • Mental Health/Substance Use
    • Speech Therapy
    • Temporomandibular Joint (TMJ) Coverage
    • Virtual Medicine
    • Detailed List of Covered Services
    • What’s Not Covered
    • Alternative Treatments
    • Comfort or Convenience
    • Dental
    • Drugs Administered through UHC (see pharmacy section for exclusions specific to Express Scripts)
    • Experimental or Investigational Services or Unproven Services
    • Foot Care
    • Medical Supplies and Appliances
    • Mental Health/Substance Use
    • Nutrition
    • Orthognathic Coverage Exclusion
    • Physical Appearance
    • Providers
    • Reproduction
    • Services Provided under Another Plan
    • TMJ
    • Transplants
    • Travel
    • Vision and Hearing
    • Work-Related Accident and Illness
    • All Other Exclusions
    • Filing a Claim
    • Appealing a Claim
    • Glossary
    • Kaiser Medical Plan Options
    • The Medical Plan Options at a Glance
    • Participating in the Plan
    • Enrollment
    • Cost of Coverage
    • ID Cards
    • How the Kaiser Medical Plan Options Work
    • Health Savings Account and Flexible Spending Accounts
    • Deductibles
    • Out-of-Pocket Maximums
    • Networks
    • Filing a Claim
    • Appealing a Claim
    • Glossary
    • HMSA’s Health Plan Hawaii Plus HMO
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Cost of Coverage
    • ID Cards
    • How the Plan Works
    • Filing a Claim
    • Glossary
    • HMSA’s Preferred Provider Plan (PPP)
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Cost of Coverage
    • ID Cards
    • How the Plan Works
    • Filing a Claim
    • Glossary
    • Post-65 Retiree Medical Coverage
    • Retiree Reimbursement Account (RRA) Plan
    • The RRA Plan at a Glance
    • Participating in the RRA Plan
    • Eligibility
    • When Participation Begins
    • When Participation Ends
    • How the RRA Plan Works
    • Using the Benefit Dollars in your RRA
    • Required Information for Filing a Claim for Reimbursement of Eligible Healthcare Expenses
    • Claim for Reimbursement Denials and Appeals
    • What’s Not Covered
    • Glossary
    • Dental Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Cost of Coverage
    • ID Cards
    • How the Plan Works
    • About the Network
    • Deductible
    • Predetermination of Benefits
    • Treatment Started Before Coverage Begins
    • Treatment Started Before Coverage Ends
    • Coordinating with Other Plans
    • What’s Covered
    • Alternative Benefits
    • Covered Service Benefits and ADA Codes
    • What’s Not Covered
    • General Exclusions
    • Diagnostic and Preventive Exclusions
    • Restorative Exclusions
    • General Services Exclusions
    • Orthodontic Exclusions
    • Filing Claims
    • Appealing Claims
    • Glossary
    • Vision Care Plan
    • Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Cost of Coverage
    • ID Cards
    • How the Plan Works
    • Finding a VSP Network Doctor
    • Non-VSP Doctors
    • What to Know About Vision Care
    • Coordinating with other plans
    • What’s Covered
    • More on Covered Services
    • What’s Not Covered
    • Filing a Claim
    • Glossary
    • Spending Accounts
    • Participating in Spending Accounts
    • Health Care Flexible Spending and Limited Purpose Health Care Flexible Spending Accounts
    • Eligibility Requirements
    • Your Eligibility Date
    • Enrollment
    • Taxes
    • When Participation Starts
    • When Participation Ends
    • Continuing Participation
    • Dependent Care Flexible Spending Account
    • Eligibility Requirements
    • Your Eligibility Date
    • Enrollment
    • Taxes
    • When Participation Starts
    • When Participation Ends
    • Continuing Participation
    • Health Savings Account
    • Eligibility Requirements
    • Your Eligibility Date
    • Enrollment
    • Taxes
    • When Contributions Start
    • When Contributions End
    • Continuing Participation
    • Health Savings Account
    • The Account at a Glance
    • Participating in the Account
    • Enrollment
    • Contributions
    • Contribution Limits
    • Investment Options
    • When Contributions Start
    • When Contributions End
    • Taxes
    • How the Account Works
    • Withdrawals
    • Qualified Medical Expenses
    • Nonqualified Medical Expenses
    • Account Information
    • Glossary
    • Dependent Care Flexible Spending Account
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Contributions
    • Taxes
    • How the Plan Works
    • Impact on Benefits
    • Reimbursements
    • Examples of Eligible Expenses
    • Examples of Ineligible Expenses
    • About Your Account
    • Glossary
    • Health Care Flexible Spending Account
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Contributions
    • Taxes
    • How the Plan Works
    • Reimbursements
    • Examples of Eligible Expenses
    • Examples of Ineligible Expenses
    • About Your Account
    • Glossary
    • Limited Purpose Health Care Flexible Spending Account
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Contributions
    • Taxes
    • How the Plan Works
    • Reimbursements
    • Examples of Eligible Expenses
    • Examples of Ineligible Expenses
    • About Your Account
    • Glossary
    • Insurance Benefits
    • Participating in Insurance Benefits
    • Eligible Employees
    • Your Eligibility Date
    • Eligible Family Members
    • Spouses and Domestic Partners
    • Children
    • Enrollment
    • Beneficiaries
    • Costs
    • When Coverage Starts
    • Changing Your Coverage
    • When Coverage Ends
    • Continuing Coverage
    • Basic Life Insurance Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Evidence of Insurability
    • Beneficiaries
    • Cost of Coverage
    • When Coverage Begins
    • When Coverage Ends
    • How the Plan Works
    • Salary
    • Accelerated Benefit Option
    • Assigning Your Benefit
    • Retiree Benefit
    • Funeral Discount and Planning Services
    • Grief Counseling
    • Survivor Assistance
    • How Benefits Are Paid
    • Filing a Claim
    • Glossary
    • Group Variable Universal Life (GVUL) Insurance Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Eligible Employees
    • Eligible Children
    • Eligible Spouse/Domestic Partner
    • Enrollment
    • Evidence of Insurability
    • Beneficiaries
    • Cost of Coverage
    • When Coverage Begins
    • Changing Coverage
    • When Coverage Ends
    • How the Plan Works
    • Spouse/Domestic Partner Coverage - How the Plan Works
    • Child Coverage - How the Plan Works
    • Salary
    • Accelerated Benefit Option
    • Investment Feature
    • Assigning Your Benefit
    • Funeral Discount and Planning Services
    • Grief Counseling
    • Survivor Assistance
    • Will Preparation
    • Estate Resolution
    • Digital Estate Planning
    • How Benefits Are Paid
    • Filing a Claim
    • Glossary
    • Voluntary AD&D Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Eligible Employees
    • Eligible Spouses and Domestic Partners
    • Eligible Children
    • Enrollment
    • Cost of Coverage
    • When Coverage Begins
    • Changing Coverage
    • When Coverage Ends
    • Beneficiaries
    • How the Plan Works
    • Spouse and Domestic Partner Benefits
    • Dependent Children Benefits
    • Coma Benefits
    • Dismemberment Benefits
    • Additional Benefits
    • What Is Not Covered
    • How Benefits Are Paid
    • Filing a Claim
    • Glossary
    • Personal Excess Liability Insurance Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Eligible Employees
    • Enrollment
    • Changing Coverage
    • When Coverage Ends
    • Underlying Primary Levels of Coverage
    • Cost of Coverage
    • How the Plan Works
    • What’s Covered
    • Supplementary Payments
    • Exclusions
    • Glossary
    • Business Travel Accident Insurance Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Eligible Employees
    • Eligible Spouses and Domestic Partners
    • Eligible Children
    • Enrollment
    • Cost of Coverage
    • When Coverage Begins
    • When Coverage Ends
    • Beneficiaries
    • How the Plan Works
    • Spouse and Domestic Partner Benefits
    • Dependent Children Benefits
    • Coma Benefits
    • Dismemberment Benefits
    • Additional Benefits
    • What Is Not Covered
    • How Benefits Are Paid
    • Filing a Claim
    • Glossary
    • Disability Coverage
    • Short Term Disability Benefits Payroll Policy
    • Participating in the STD Benefits Payroll Policy
    • Eligible Employees
    • Eligibility Date
    • When Coverage Starts and Ends
    • Enrollment
    • Cost of Coverage
    • Duration and Coverage Level of STD Benefits
    • Elimination Period
    • Coverage Level and Duration
    • Actively-At-Work
    • Qualifying for STD Benefits
    • Serious Health Condition
    • Exclusions
    • Filing a Claim
    • Disability Review Process
    • Payment Information
    • Initiation of Payments
    • Method of Payments
    • Taxes on STD Benefits
    • Effect on Other Benefits
    • Merit Increases
    • Company Holidays
    • Termination of Payments
    • Additional Periods of Disability
    • Modified Work Schedule
    • Recurring Disabilities
    • Federal, State and Local Family & Medical Leave Laws
    • Returning to Work
    • Contact with Manager
    • Subrogation
    • Overpayment
    • Denial of a Claim
    • Eligibility to Participate and Procedural Step Appeals
    • Claims Administrator Appeal
    • Amendment or Termination of This STD Benefits Payroll Policy
    • Basic Long Term Disability
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • When Coverage Starts and Ends
    • Cost of Coverage
    • How the Plan Works
    • Disability Explanation
    • Pregnancy
    • Mental Health and Substance Abuse
    • Exclusions
    • Returning to Work
    • Rehabilitation Benefits
    • Disability Payment Details
    • Getting Paid
    • Other Sources of Disability Benefits
    • Subrogation
    • Filing a Claim
    • Glossary
    • Optional Long Term Disability
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • When Coverage Starts and Ends
    • Cost of Coverage
    • How the Plan Works
    • Disability Explanation
    • Pregnancy
    • Mental Health and Substance Abuse
    • Exclusions
    • Returning to Work
    • Rehabilitation Benefits
    • Disability Payment Details
    • Getting Paid
    • Other Sources of Disability Benefits
    • Subrogation
    • Filing a Claim
    • Glossary
    • Long Term Disability Bonus Income Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Changing Coverage
    • When Coverage Starts
    • When Coverage Ends
    • Cost of Coverage
    • How the Plan Works
    • Eligible Bonus
    • Disability Explanation
    • Pregnancy
    • Mental Health and Substance Abuse
    • Exclusions
    • Returning to Work
    • Rehabilitation Benefits
    • Disability Payment Details
    • Getting Paid
    • Other Sources of Disability Benefits
    • Filing a Claim
    • Glossary
    • Individual Disability Insurance Plan
    • The Plan at a Glance
    • Participating in the Plan
    • Enrollment
    • Changing Coverage
    • When Coverage Starts
    • When Coverage Ends
    • Cost of Coverage
    • Taxes
    • How the Plan Works
    • Disability Explanation
    • Pregnancy
    • Mental Health and Substance Abuse
    • Exclusions
    • Returning to Work Benefits
    • Disability Payment Details
    • Getting Paid
    • Other Sources of Disability Benefits
    • Filing a Claim
    • Glossary
    • Investment and Retirement
    • Employee Stock Purchase Plan
    • The Plan at a Glance
    • How the Plan Works
    • Eligibility
    • Enrollment
    • Contributions
    • If You Leave the Company
    • If You Die
    • Purchasing Shares
    • Share Ownership
    • Fidelity Investments Services
    • Voting/Ownership Rights
    • Dividends
    • Taxes
    • Legal Disclosures
    • Glossary
    • Marsh & McLennan Companies 401(k) Savings & Investment Plan
    • The Plan at a Glance
    • Edelman Financial Engines
    • Participating in the Plan
    • How the Plan Works
    • Automatic Enrollment Process
    • Vesting
    • Receiving a Distribution
    • Your Contributions
    • Your Contribution Amounts
    • Effect on Other Benefits
    • Eligible Base Pay for Determining Marsh & McLennan Companies 401(k) Savings & Investment Plan Contributions
    • IRS Limit on Pay
    • Maximum Contributions
    • Minimum Contributions
    • Catch-up Contributions
    • Roth 401(k) Contributions
    • Rollovers into the Plan
    • In-Plan Roth Conversions
    • Maximum Number of In-Plan Roth Conversions
    • Taxes on Distributions from In-Plan Roth Conversion Accounts
    • Company Matching Contributions
    • Breaks in Service
    • Rehires
    • Transfers from Non-Participating Marsh & McLennan Companies
    • Leave of Absence
    • Fixed Company Contributions
    • Breaks in Service
    • Rehires
    • Transfers from Non-Participating Marsh & McLennan Companies
    • Leave of Absence
    • JLT Transition Contributions
    • Eligibility & Amount
    • How You Received the JLT Transition Contribution
    • Vesting and Distribution Rules
    • Investing Your Account Balance
    • How Company Contributions Are Invested
    • Special Company Contributions
    • Changing Investment Direction of Future Contributions
    • Moving Money Among Funds
    • Your Investment Options
    • Learning More About the Funds
    • Limit on Number of Funds
    • Outside Investments
    • Making Investment Elections
    • No Investment Election
    • Responsibility for Investment Decisions and Performance
    • Investing In Marsh & McLennan Companies Stock
    • How Your Account Is Valued
    • Prices Used To Value Stock
    • Fees For Investment Changes
    • Dividends on Marsh & McLennan Companies Shares and Stock Voting Rights
    • MMC Stock Fund Record and Payout Dates
    • Dividend Direction Options
    • Changing Your Dividend Election
    • Taxes on Dividends
    • About Marsh & McLennan Companies Stock
    • In-Service Withdrawals
    • Qualifying for an In-service Withdrawal
    • Requesting an In-Service Withdrawal
    • Check Delivery
    • Redepositing My Withdrawals
    • Taxes on Withdrawals
    • Financial Hardship Withdrawals
    • Approval
    • Taxes on Financial Hardship Withdrawals
    • How to Apply
    • Check Delivery
    • Loans
    • Comparison with Withdrawals
    • Loan Terms
    • Maximum Number of Loans
    • Available Loan Amount
    • Loan Repayment Summary
    • Applying for a Loan
    • Loan Defaults
    • Consequences of Loan Default
    • Requesting a Loan
    • Home Purchase Loan
    • Loan Taxes
    • Available Loan Amounts
    • Loan Repayments
    • Repaying Loan When Not Working
    • Transfers to a Non-Participating Company
    • Leaving the Company
    • Leaving Your Money in the Plan
    • Taxes When Taking a Distribution
    • Reporting a Change in Address
    • How Benefits Are Paid
    • Direct Deposit
    • Distribution Delivery
    • Stock Distributions
    • Resale Restrictions
    • When Benefits Are Paid
    • Automatic Distributions
    • Required Minimum Distribution
    • Requesting a Required Minimum Distribution
    • Taxes on Required Minimum Distributions
    • Applying for Benefit
    • Spouse Consent
    • Rollovers Out of the Plan
    • How to Apply for a Rollover
    • Distributions Including Outstanding Loans
    • How Benefits Are Taxed
    • Effect on Your Paycheck
    • Taxes When Taking a Distribution
    • Tax Treatment of an In-Kind Distribution of Marsh & McLennan Companies Stock
    • CARES Act Distribution and Loan Provisions
    • In Case of Divorce
    • In Case of Your Death
    • Choosing a Beneficiary
    • Changing a Beneficiary
    • Who Gets Your Benefit
    • How the Benefit Is Paid
    • How to Apply for a Benefit
    • When a Benefit Is Paid
    • Taxes
    • Merged Plans
    • Plan Spin-off or Merger
    • Account Information
    • Account Updating
    • Account Statements
    • Miscellaneous
    • Account and Investment Management Fees
    • Glossary
    • MMA 401(k) Savings & Investment Plan
    • The Plan at a Glance
    • Edelman Financial Engines
    • Participating in the Plan
    • How the Plan Works
    • Automatic Enrollment Process
    • Vesting
    • Receiving a Distribution
    • Your Contributions
    • Your Contribution Amounts
    • Effect on Other Benefits
    • Eligible Base Pay for Determining MMA 401(k) Savings & Investment Plan Contributions
    • IRS Limit on Pay
    • Maximum Contributions
    • Minimum Contributions
    • Catch-up Contributions
    • Roth 401(k) Contributions
    • Rollovers into the Plan
    • In-Plan Roth Conversions
    • Maximum Number of In-Plan Roth Conversions
    • Taxes on Distributions from In-Plan Roth Conversion Accounts
    • Company Matching Contributions
    • Breaks in Service
    • Rehires
    • Transfers from Non-Participating MMA and Marsh & McLennan Companies
    • Leave of Absence
    • Investing Your Account Balance
    • How Company Matching Contributions Are Invested
    • Special Company Contributions
    • Changing Investment Direction of Future Contributions
    • Moving Money Among Funds
    • Your Investment Options
    • Learning More About the Funds
    • Limit on Number of Funds
    • Outside Investments
    • Making Investment Elections
    • No Investment Election
    • Responsibility for Investment Decisions and Performance
    • Investing In Marsh & McLennan Companies Stock
    • How Your Account Is Valued
    • Prices Used To Value Stock
    • Fees For Investment Changes
    • Dividends on Marsh & McLennan Companies Shares and Stock Voting Rights
    • In-Service Withdrawals
    • Qualifying for an In-Service Withdrawal
    • Requesting an In-Service Withdrawal
    • Check Delivery
    • Redepositing My Withdrawals
    • Taxes on Withdrawals
    • Financial Hardship Withdrawals
    • Approval
    • Taxes on Financial Hardship Withdrawals
    • How to Apply
    • Check Delivery
    • Loans
    • Comparison with Withdrawals
    • Loan Terms
    • Maximum Number of Loans
    • Available Loan Amount
    • Loan Repayment Summary
    • Applying for a Loan
    • Loan Defaults
    • Consequences of Loan Default
    • Requesting a Loan
    • Home Purchase Loan
    • Loan Taxes
    • Available Loan Amounts
    • Loan Repayments
    • Repaying Loan When Not Working
    • Leaving the Company
    • Leaving Your Money in the Plan
    • Taxes When Taking a Distribution
    • Reporting a Change in Address
    • How Benefits Are Paid
    • Direct Deposit
    • Distribution Delivery
    • Stock Distributions
    • Resale Restrictions
    • When Benefits Are Paid
    • Automatic Distributions
    • Required Minimum Distribution
    • Requesting a Required Minimum Distribution
    • Taxes on Required Minimum Distributions
    • Applying for Benefit
    • Spouse Consent
    • Rollovers Out of the Plan
    • How to Apply for a Rollover
    • Distributions Including Outstanding Loans
    • How Benefits Are Taxed
    • Effect on Your Paycheck
    • Taxes When Taking a Distribution
    • Tax Treatment of an In-Kind Distribution of Marsh & McLennan Companies Stock
    • CARES Act Distribution and Loan Provisions
    • In Case of Divorce
    • In Case of Your Death
    • Choosing a Beneficiary
    • Changing a Beneficiary
    • Who Gets Your Benefit
    • How the Benefit Is Paid
    • How to Apply for a Benefit
    • When a Benefit Is Paid
    • Taxes
    • Merged Plans
    • Plan Spin-off or Merger
    • Account Information
    • Account Updating
    • Account Statements
    • Miscellaneous
    • Account and Investment Management Fees
    • Glossary
  • Supplemental Savings & Investment Plan
  • The Plan at a Glance
  • Edelman Financial Engines
  • Participating in the Plan
  • How the Plan Works
  • Deferrals and Credits
  • Vesting
  • Effect on Other Company Benefits
  • Rollovers Into the Plan
  • Company Matching Credits
  • What Pay Counts
  • Company Match Rate
  • Transfers from Non-Participating Marsh & McLennan Companies
  • Employees of Acquired Businesses
  • If You Are Rehired
  • If You Take a Leave of Absence
  • Fixed Company Credits
  • What Pay Counts
  • Transfers from Non-Participating Marsh & McLennan Companies
  • Employees of Acquired Businesses
  • If You Are Rehired
  • If You Take a Leave of Absence
  • Your Deferrals
  • Relationship to Marsh & McLennan Companies 401(k) Savings & Investment Plan Deferral Elections
  • Changing Your Deferrals
  • Stopping Your Deferrals
  • Your Deferrals If You Take an Unpaid Leave of Absence or Go on Long Term Disability
  • Notionally Investing Your Account Balance
  • Notional Investment of Employee Deferrals
  • Changing Notional Investment Direction
  • Moving Money Among Notional Investment Options
  • Your Notional Investment Options
  • Learning More About the Notional Investment Options
  • Number of Notional Investment Options You May Elect
  • Outside Investments
  • Making Notional Investment Option Elections
  • No Notional Investment Direction Election
  • Responsibility for Notional Investment Option Decisions and Performance
  • Ability to Diversify
  • Directing, Reallocating and Valuing Notional Investment Options
  • About Marsh & McLennan Companies Stock
  • When Benefits Are Paid
  • How Benefits Are Paid
  • Distribution Elections/Changes
  • Direct Deposit
  • Distribution Delivery
  • Rollovers
  • How Benefits Are Taxed
  • Taxes on Deferrals
  • Taxes When Taking a Distribution
  • In Case of Your Death
  • Choosing a Beneficiary
  • Changing a Beneficiary
  • No Beneficiary Named
  • Who Gets Your Benefit
  • How the Benefit Is Paid
  • How to Apply for a Benefit
  • When a Benefit Is Paid
  • Taxes
  • Transfers to a Non-Participating Company
  • Leaving the Company
  • Notional Investment Direction for Contributions Following Rehire
  • Reporting a Change in Address
  • Account Information
  • Account Updating
  • Account Statements
  • Miscellaneous
  • Account and Investment Management Fees
  • Failure to Comply with Requirements of IRC Section 409A
  • Change in Control
  • Amendment and Termination of the Plan
  • Future Fund Reallocation and/or Transfers in the Event of Plan Termination
  • Glossary
  • Benefit Equalization Plan
  • Important Concepts for Non-qualified Retirement Plans
  • US Retirement Program
  • How to Use this Section of the Benefits Handbook
  • The BEP at a Glance
  • Participating in the Plan
  • How the BEP Works
  • Plan Benefit Formula for Benefit Accrued on or after January 1, 2006 and before January 1, 2017
  • Plan Benefit Formula for Benefit Accrued prior to January 1, 2006
  • Accrued Benefit Credited Both Before and After January 1, 2006
  • Transition Benefit
  • What Pay Counts
  • Vesting
  • When the 409A BEP Benefit Commences
  • Separation from Service
  • Separation from Service Due to a Reduction in Hours
  • Separation from Service Due to an Unpaid Leave of Absence
  • Separation from Service Due to Disability
  • Separation from Service Due to Death prior to Commencement
  • 409A BEP Benefit Small Benefit Payment Rule
  • How the 409A BEP Benefit is Paid
  • How to Make an Election
  • Payment Form Options
  • Death Before 409A BEP Benefit Commences
  • Eligible Survivor
  • 409A Survivor Benefit If You Die While Actively Employed
  • 409A Survivor Benefit if You Die after Termination of Employment but before Commencing a 409A BEP Benefit
  • Obtaining an Estimate
  • How 409A BEP Benefit is Taxed
  • FICA Tax on Plan Payments
  • Income Taxes on Plan Payments
  • Withholdings
  • Tax Implications if Non-Compliant with IRC Section 409A
  • Grandfathered BEP Benefit
  • Determining the Grandfathered BEP Benefit
  • When the Grandfathered BEP Benefit Commences
  • Small Benefit Payment Rule for Grandfathered BEP Benefit
  • How Grandfathered BEP Benefits are Paid
  • Grandfathered Survivor Benefits
  • How the Grandfathered BEP Benefit is Taxed
  • Glossary
  • Supplemental Retirement Plan
  • Important Concepts for Non-qualified Retirement Plans
  • US Retirement Program
  • How to Use this Section of the Benefits Handbook
  • The SRP at a Glance
  • Participating in the Plan
  • How the SRP Works
  • Plan Benefit Formula for Benefit Accrued on or after January 1, 2006 and before January 1, 2017
  • Plan Benefit Formula for Benefit Accrued prior to January 1, 2006
  • Accrued Benefit Credited Both Before and After January 1, 2006
  • Transition Benefit
  • What Pay Counts
  • Vesting
  • When the 409A SRP Benefit Commences
  • Separation from Service
  • Separation from Service Due to a Reduction in Hours
  • Separation from Service Due to an Unpaid Leave of Absence
  • Separation from Service Due to Disability
  • Separation from Service Due to Death prior to Commencement
  • 409A SRP Benefit Small Benefit Payment Rule
  • How the 409A SRP Benefit is Paid
  • How to Make an Election
  • Payment Form Options
  • Death Before a 409A SRP Benefit Commences
  • Eligible Survivor
  • 409A Survivor Benefit If You Die While Actively Employed
  • 409A Survivor Benefit if You Die after Termination of Employment but before Commencing a 409A SRP Benefit
  • Obtaining an Estimate
  • How 409A SRP Benefit is Taxed
  • FICA Tax on Plan Payments
  • Income Taxes on Plan Payments
  • Withholdings
  • Tax Implications if Non-Compliant with IRC Section 409A
  • Grandfathered SRP Benefit
  • Determining the Grandfathered SRP Benefit
  • When the SRP Benefit Commences
  • Small Benefit Payment Rule for Grandfathered SRP Benefit
  • How Grandfathered SRP Benefits are Paid
  • Grandfathered Survivor Benefit
  • How the Grandfathered SRP Benefit is Taxed
  • Glossary
  • Marsh & McLennan Companies Retirement Plan
  • Important Defined Benefit Plan Concepts
  • US Retirement Program
  • The Marsh & McLennan Companies Retirement Plan at-a-Glance
  • How to Use this Section of the Benefits Handbook
  • Participating in the Plan
  • How the Marsh & McLennan Companies Retirement Plan Works
  • Plan Benefit Formula for Benefit Accrued on or after January 1, 2006
  • Plan Benefit Formula for Benefit Accrued prior to January 1, 2006
  • Accrued Benefit Credited Both Before and After January 1, 2006
  • Transition Benefit
  • What Pay Counts
  • Benefit Service
  • Vesting Service
  • When Benefits Commence
  • Timing of Small Benefit Payments
  • Normal Commencement: If You Commence Once You Attain Age 65
  • Early Commencement: If You Commence Before Age 65
  • Deferred Commencement: If You Commence After Age 65
  • How Benefits are Paid
  • Lump Sum
  • Normal Form of Payment
  • Single Life Annuity
  • Contingent Annuity
  • Period Certain
  • Social Security Level Income
  • Limited Time Benefit Offer
  • Obtaining an Estimate
  • Commencing a Benefit
  • If you are Currently an Active Participant Who is Eligible to Retire
  • If you are Currently a Terminated Vested or Retired Participant Who has not yet Commenced Monthly Benefit Payments
  • If you do not Commence your Benefit by the April 1st Following the Calendar Year in which you Attain Age 70-1/2
  • How Benefits are Taxed
  • Rollovers
  • Death Benefits
  • Eligible Survivor if You Die Before Your Benefit Commencement Date
  • Survivor Benefit if You Die Before Your Benefit Commencement Date
  • Death Benefit if You Die After Your Benefit Commencement Date
  • In the Event of Divorce, Legal Separation or Child Support Order
  • US Expatriates
  • Transfers From a Non-participating Company
  • Transfers to a Non-participating Company
  • Transfers to Mercer Services on or After March 1, 2016
  • Transfers to Mercer HR Services, LLC, Mercer Trust Company and Mercer Health and Benefits Administration, LLC Prior to March 1, 2016
  • Transfers to Marsh Risk Consulting Practice, Forensic Construction or Kroll Corporate Preparedness
  • Transfers to Marsh ClearSight (formerly CS STARS)
  • Transfers to Marsh & McLennan Agency
  • If you Leave Marsh & McLennan Companies and are Rehired
  • Leave of Absence
  • Acquired Companies
  • Employees of A.S. Hansen Inc. on the Date of the Acquisition
  • Employees of Johnson & Higgins on the Date of the Acquisition
  • Employees of Meidinger, Inc. on the Date of the Acquisition
  • Employees of Montgomery and Montgomery Inc. on the Date of the Acquisition
  • Employees of Organization Resources Counselors, Inc. (ORC)
  • Employees of Sedgwick on the Date of the Acquisition
  • Glossary
  • Additional Information
  • Employee Programs and Policies
  • Education Program
  • Scholarship Program
  • The Program at a Glance
  • Eligibility for the Program
  • Eligible Employees
  • How the Program Works
  • How to Apply
  • Other Application Requirements
  • Covered Costs
  • Financial Concerns
  • Voluntary Offerings
  • Accident Insurance Plan
  • Choice Auto and Home Insurance Program
  • The Program at a Glance
  • Participating in the Program
  • Eligible Employees
  • Enrollment
  • Cost of Coverage
  • When Coverage Starts and Ends
  • Changing Coverage
  • How the Program Works
  • Insurance Through the Program
  • Filing a Claim
  • Critical Illness Insurance Plan
  • Hospital Indemnity Insurance Plan
  • Identity Protection Benefit Program
  • The Plan at a Glance
  • Participating in the Plan
  • Eligible Employees
  • Family Member Eligibility
  • Enrollment
  • Cost of Coverage
  • When Coverage Starts
  • When Coverage Ends
  • How the Plan Works
  • Covered Services
  • Glossary
  • Personal Life Insurance Plan
  • The Plan at a Glance
  • Participating in the Plan
  • Eligible Employees
  • Your Eligibility Date
  • Eligible Spouses and Domestic Partners
  • Eligible Children
  • Enrollment
  • Evidence of Insurability For Voluntary Benefits Coverage
  • Beneficiaries
  • Cost of Coverage
  • When Coverage Starts
  • When Coverage Ends
  • How the Plan Works
  • Definition of Salary
  • Cash Values and Dividends
  • Loan Provisions
  • Additional Benefits
  • Filing a Claim
  • Glossary
  • Pet Insurance Plan (Nationwide®)
  • The Plan at a Glance
  • Participating in the Plan
  • Eligible Employees
  • Enrollment
  • Evidence of Insurability
  • Cost of Coverage
  • When Coverage Starts
  • Changing Coverage
  • When Coverage Ends
  • How the Plan Works
  • Covered Services
  • Avian and Exotic Pet Plan
  • What’s Not Covered for My Pet Protection® Plans
  • Filing a Claim
  • Glossary
  • Pet Insurance Plan (Nationwide®)
  • The Plan at a Glance
  • Participating in the Plan
  • Eligible Employees
  • Enrollment
  • Evidence of Insurability
  • Cost of Coverage
  • When Coverage Starts
  • Changing Coverage
  • When Coverage Ends
  • How the Plan Works
  • Covered Services
  • Avian and Exotic Plan
  • What’s Not Covered for My Pet ProtectionSM Plans
  • Filing a Claim
  • Glossary

• Additional Benefits

• MSK Direct

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost
• Coordination with Medical Plan

• How the Program Works

• Services Provided
• Maximum
• Complete Confidentiality

• Glossary

• Transportation Reimbursement Incentive Program (TRIP)

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Enrollment
• Taxes
• Changing Coverage
• When Coverage Ends
• Special Notes

• How the Plan Works

• Elections
• Managing Your Elections
• Transit Passes and Parking
• Transit and Parking Commuter Cards
• Eligible Expenses
• Ineligible Expenses

• Bright Horizons Family Solutions;

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family and Household Member Eligibility
• When Coverage Starts and Ends
• Cost

• How the Program Works

• Maximum
• Coverage Area Care

• Glossary

• Ayco’s SurvivorSupport® Financial Counseling Service

• Ayco’s SurvivorSupport® Financial Counseling Service at a Glance
• Participating in Ayco’s SurvivorSupport® Financial Counseling Service

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost

• How Ayco’s SurvivorSupport® Financial Counseling Service Works

• Services Provided
• Complete Confidentiality
• Additional Information

• Teladoc Medical Experts
• The Program at a Glance
• Participating in the Program
• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and End
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan
• How the Program Works
• Maximum
• Out-of-Area Care
• Emergency Care
• Complete Confidentiality
• Glossary

• Employee Assistance Program (EAP)

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family and Household Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan

• How the Program Works

• Maximum
• Out-of-Area Care
• Emergency Care
• Legal Assistance
• Identity Theft Support
• Financial Services
• Complete Confidentiality

• Glossary

• LifeCare® Family Resource Program

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member and Household Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy

• How the Program Works

• The Program Specialist
• Referrals

• Glossary

• Health Advocate

• The Program at a Glance
• Participating in the Program

• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan

• How the Program Works

• Services Provided
• Maximum
• Out-of-Area Care
• Emergency Care
• Complete Confidentiality
• Additional Information

• Glossary

• Legal Assistance Plan

• The Plan at a Glance
• Participating in the Plan

• Eligible Employees
• Family Eligibility
• Enrollment
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends

• How the Plan Works

• Coordination with Other Plans
• Covered Services
• Legal Forms
• Reimbursements
• Filing a Claim

• Detailed List of Covered Services
• Defining Covered Services

• Advice and Consultation
• Consumer Protection
• Debt Matters
• Defense of Civil Lawsuits
• Document Preparation
• Family Law
• Personal Injury
• Real Estate Matters
• Traffic and Criminal Matters
• Wills and Estate Planning

• Services Not Covered
• Finding an Attorney

• Attorney Credentials
• Already Working with an Attorney

• Glossary

• Administrative Information

• How the Benefits Handbook Is Used
• Administrative Details about the Plans

• The $400, $900, $1,500 and $2,850 Deductible Plans
• 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 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

• Your Rights under ERISA
• Prudent Actions by Plan Fiduciaries
• Enforce Your Rights
• Assistance with Your Questions

• Summary Plan Descriptions
• Annual Funding Notice and Summary Annual Reports
• Plan Summaries
• Official Plan Documents
• Plan Amendments
• Plan Termination

• Limits on Plan Amendments

• Claims, Reviews, and Appeals

• Authority over Benefit Determinations and Appeals
• Healthcare Plans
• Dependent Care Flexible Spending Account Plan
• Disability Plans
• Life Insurance, Accident Insurance and Legal Assistance Plans
• Retirement and Savings Plans

• Right of Recovery/Subrogation
• Conversion or Portability Rights
• Non-Assignment of Benefits
• About Plan Coverage

• Healthcare Plans
• Health Care Flexible Spending Account and Limited Purpose Health Care Flexible Spending Account
• Dependent Care Flexible Spending Account
• Health Savings Account

• Other Important Information about the Plans

• Contact Information

• Benefits Handbook Archives

• January 1, 2012 Handbook Archives
• March 1, 2012 Handbook Archives
• May 1, 2012 Handbook Archives
• July 1, 2012 Handbook Archives
• September 1, 2012 Handbook Archives
• November 1, 2012 Handbook Archives
• January 1, 2013 Handbook Archives
• March 1, 2013 Handbook Archives
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• November 1, 2013 Handbook Archives
• January 1, 2014 Handbook Archives
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• November 1, 2014 Handbook Archives
• January 1, 2015 Handbook Archives
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• January 1, 2016 Handbook Archives
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