MMC Benefits Handbook
Site Map
- 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
- 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
- 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
- Anthem
BlueCross BlueShield Medical Plan Options
- 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
- 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
- UnitedHealthcare
Medical Plan Options
- 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
- 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
- Marsh & McLennan Companies 401(k) Savings & Investment Plan
- The Plan at a Glance
- Participating in the Plan
- How the Plan Works
- 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
- 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
- How Benefits Are Paid
- When Benefits Are Paid
- Automatic Distributions
- Required Minimum Distribution
- Requesting a Required Minimum Distribution
- Taxes on Required Minimum Distributions
- Applying for Benefit
- Rollovers Out of the Plan
- 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
- Account Information
- Miscellaneous
- Glossary
- MMA 401(k) Savings & Investment Plan
- The Plan at a Glance
- Participating in the Plan
- How the Plan Works
- 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
- 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
- How Benefits Are Paid
- When Benefits Are Paid
- Automatic Distributions
- Required Minimum Distribution
- Requesting a Required Minimum Distribution
- Taxes on Required Minimum Distributions
- Applying for Benefit
- Rollovers Out of the Plan
- 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
- Account Information
- Miscellaneous
-
Glossary
- Preventive/Wellness Care
- 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
- 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
- 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
- Preventive/Wellness Care
- Teladoc Medical Experts
- 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 - HMSAs Health Plan
Hawaii Plus HMO (HMO)
- Hawaii - HMSAs 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
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