Impact on Benefits explains how leaving the Company affects your benefits.

Your coverage ends on your termination date. You and your covered family members can continue your coverage through COBRA (unless you are terminated for gross misconduct) for up to 18 months by paying the full group rate, plus an additional two percent for administrative expenses.

If you are eligible to retire, in lieu of COBRA coverage you may elect retiree medical coverage. Your eligible family members can be covered until the earliest of their ceasing to be eligible or their death. The coverage, if elected, is effective on your retirement date and continues for as long as the coverage is offered by the Company, provided you make an election within 30 days of your retirement and you pay the required contributions. If you do not enroll in coverage upon your retirement, you may not enroll at a later time. Additionally, if you enroll for medical coverage at retirement but you discontinue it later, you may not re-enroll.

Your coverage ends on your termination date. You and your covered family members can continue your coverage through COBRA (unless you are terminated for gross misconduct) for up to 18 months by paying the full group rate, plus an additional two percent for administrative expenses.

Your coverage ends on your termination date. You and your covered family members can continue your coverage through COBRA (unless you are terminated for gross misconduct) for up to 18 months by paying the full group rate, plus an additional two percent for administrative expenses.

Your contributions end on your termination date. You can be reimbursed for eligible health care expenses that you have incurred up until your termination date (less any reimbursement amounts you have already received) up to your elected annual contribution amount.

You may also be eligible to continue your coverage through COBRA (unless you are terminated for gross misconduct) by paying your monthly contribution rate (on an after-tax basis), plus an additional two percent for administrative expenses. COBRA coverage for your Health Care Flexible Spending Account may continue only until the end of the year in which the qualifying event occurs and may not be continued into the next year.

Your contributions end on your termination date. You can be reimbursed for eligible dependent care expenses that you have incurred up to your termination date (less any reimbursement amounts you have already received) up to your remaining contributions.

Your coverage ends on the last day you are actively at work if you are a MMC employee (other than Kroll) or in active work status if you are a Kroll employee.

Your coverage ends on the last day you are actively at work if you are a MMC employee (other than Kroll) or in active work status if you are a Kroll employee.

You can convert your Personal Accident Insurance coverage to an individual plan at standard insurance company rates by applying and making the premium payments to the insurance company within 30 days of the date your coverage ends (unless you retire).

Retired employees are eligible for $10,000 in coverage up to a maximum of $50,000, in multiples of $10,000 in either individual or family coverage. The amount selected cannot exceed that which the retired employee had as an active employee. At age 75, the amount reduces to $10,000, for both the retired employee and covered family members. If a retired employee and spouse are both eligible as retired employees, only one may enroll coverage for children. This reduction in benefit takes into consideration the increased cost in providing coverage at and after age 70.

Coverage ends on your termination date. When your coverage ends for Basic Life Insurance, Optional Life Insurance, Spouse Life Insurance and Dependent Children Life Insurance, you can apply for an individual policy.

You have 31 days from your termination date to apply for and pay the required premium for an individual policy.

If you are eligible to retire, are a past retiree, or if you retired from an acquired company, refer to the respective Life Insurance Plan Summary Plan Descriptions for the amount of life insurance to which you are eligible, if any. (Note: if you are a past retiree or if you retired from an acquired company, the letter provided to you when you retired should specify the amount of life insurance to which you are eligible as a retired employee, if any.)

You may continue your Optional Life Insurance on a group basis instead of converting to an individual policy if permitted in your state of residence under the plan's portability feature. The cost of coverage is higher than employee contributions, but may be lower than a comparable individual policy.

Your payroll contributions end on your termination date.

You can keep your Personal Life Insurance coverage if you leave the Company for any reason, including retirement. When you leave employment, your coverage will continue at your same guaranteed rate. Contact the plan's insurer to make arrangements to pay premiums directly. When employment ends, the Company subsidy of 26% of premium ends. You will be billed by MetLife for the entire premium amount.

Your coverage ends on the last day you are actively at work if you are a MMC employee (other than Kroll) or in active work status if you are a Kroll employee.

Your coverage ends on the last day you are actively at work if you are a MMC employee (other than Kroll) or in active work status if you are a Kroll employee.

Your coverage ends on the last day you are actively at work if you are a MMC employee (other than Kroll) or in active work status if you are a Kroll employee.

Your coverage ends on the last day you are actively at work if you are a MMC employee (other than Kroll) or in active work status if you are a Kroll employee.

Your coverage ends 30 days from your termination date.

If you are eligible to retire or a surviving spouse, you may continue coverage on a direct bill basis. Contact Marsh Voluntary Benefits at 1-800-225-2265 for further information.

Your contributions end on your termination date.

If you are under age 70-1/2 and the vested value of your account balance is over $1,000, you can request a final distribution of your account or you can defer payment until April 1st of the year following the calendar year in which you attain age 70-1/2 or, if later, the April 1st of the calendar year following the calendar year in which you terminated employment.

If the vested value of your account is $1,000 or less, you will be automatically paid out generally within 90 days of your termination date. If you want to roll over the distribution to an IRA or another employer's plan, a Benefit Distribution Form must be returned within 30days from the date of the letter in your Termination Kit. Otherwise, the account will be paid out and taxes will be withheld. If no form is received within 30 days of your termination date and your account balance exceeds $1,000 on the 90th day following your termination date, you account will not be paid out automatically.

If you are age 70-1/2 or above, you must take an immediate distribution of your account. If you do not request a final distribution of your account, the vested value of your account will be automatically paid out to you, less the mandatory 20% Federal Income tax withholding.

Your deferrals end on your termination date.

If you terminate employment before disability, retirement or death, your Supplemental Savings & Investment Plan benefits are distributed in a single lump-sum payment, less applicable taxes. The portion of your account deemed to be invested in MMC shares will be paid in shares of MMC stock to a book entry account established for you with the Company's transfer agent; any balance, including the portion of your account, if any, deemed to be invested in the mutual funds, will be paid to you by check.

If you become eligible for a distribution due to disability, retirement or death, you may choose a Plan distribution in a lump sum, or you may receive annual installment payments if you have a valid distribution election on file. Refer to the Plan Summary on www.mmcpeoplelink.com for details on valid distribution elections.

Your contributions end on your termination date.

When you leave the Company, your contributions cease. You will receive a refund of the contributions made during that plan year, plus interest.

For shares that you own from prior plan years, if any, you can choose to:

For more information, contact the plan's service provider, Smith Barney.

You are eligible for a quarterly Company contribution if you were active on the last business day of the quarter.

If you are under age 70-1/2 and the vested value of your account balance is over $1,000, you can request a final distribution of your account or you can defer payment until April 1st of the year following the calendar year in which you attain age 70-1/2 or, if later, the April 1st of the calendar year following the calendar year in which you terminated employment.

If the vested value of your account is $1,000 or less, you will be automatically paid out generally within 90 days of your termination date. If you want to roll over the distribution to an IRA or another employer's plan, a Benefit Distribution Form must be returned within 30days from the date of the letter in your Termination Kit. Otherwise, the account will be paid out and taxes will be withheld. If no form is received within 30 days from the date of the letter in your Termination Kit and your account balance exceeds $1,000 on the 90th day following your termination date, you account will not be paid out automatically.

If you are age 70-1/2 or above, you must take an immediate distribution of your account. If you do not request a final distribution of your account, the vested value of your account will be automatically paid out to you, less the mandatory 20% Federal income tax withholding.

Benefit accruals stop at the end of the month in which you terminate employment.

If you are a vested participant, under age 55, you are eligible for a deferred vested benefit payable as early as age 55.

If you are a vested participant age 55 or over when you terminate employment, you are eligible to commence your benefit immediately.

After your employment ends, your elections will automatically be cancelled for future months. If you missed the deadline for canceling your pass - and you terminate employment before the start of the following month - you can either return the pass for that month to the transit authority for a refund (if the transit authority allows) or use the pass. Note, however, that you are responsible for the cost of the pass and you may be liable for taxes on the value of the pass. You may wish to consult with a tax professional for details.

You will not be entitled to reimbursement for any expenses incurred after you leave the Company. Any unused amounts set aside in your account for which you do not properly request reimbursement for qualified expenses within 180 days of your termination date will be forfeited. As a result, if the deadline for changing or canceling your election has not yet passed by the time you realize that you will be leaving the Company, you should change your election to avoid incurring an excess deduction and possibly losing money because of a forfeiture. Refer to the individual benefit plan sections for further details or call the MMC Employee Service Center at 1-866-374-2662.

Your payroll contributions end on your termination date.

You may be eligible to continue your Long Term Care Insurance coverage on a direct bill basis with the plan's insurer. You will have the option of continuing your coverage at your current premium rate.

Upon leaving the Company, you will automatically be converted to a direct bill payment option for your coverage. Upon renewal, you will lose any discounts that are applicable to your status as an active employee per your state's guidelines.

Upon leaving the Company, you will automatically be converted to a direct bill payment option for your coverage. Upon renewal, you will lose any discounts that are applicable to your status as an active employee.

Coverage ends on your termination date. You can convert your Legal Assistance Plan coverage to an individual plan for two years after your coverage ends by contacting the Claims Administrator and making the required payment within 31 days of your coverage end date. Any case that is open and pending when coverage ends will be covered to completion.

Upon leaving the Company, you will automatically be converted to a direct bill payment option for your coverage. If you choose to continue coverage on a group basis, post-employment rates are not higher than employee rates.

Coverage ends on your termination date. If you are in treatment your coverage will continue for 30 days. If you need to continue treatment, you can continue your coverage through COBRA.

You and your covered family members can continue your coverage through COBRA (unless you are terminated for gross misconduct) for up to 18 months by paying the full group rate, plus an additional two percent for administrative expenses.

Coverage ends on your termination date.