Following is a summary of the benefit plans available to you when you start work with the Company.

You may elect coverage under the plan for you and your eligible family members. You may have a choice of plans to select from:

Eligibility for certain medical plans is based on your residence zip code.

You must enroll within 30 days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when 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 may elect coverage under the plan for you and your eligible family members. 

You must enroll within 30 days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when 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 may elect coverage under the plan for you and your eligible family members. 

You must enroll within 30 days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when 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 will automatically be enrolled in the program on your first day of eligibility when 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 must enroll within 30 days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.

Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.

You must enroll within 30 days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.

Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.

You will automatically be enrolled on your first day of eligibility when 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 must enroll within 30 days of your start date. Once you enroll, your coverage will start the day after your saved election in the Company's enrollment system, as long as 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 will automatically be enrolled on your first day of eligibility when 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 enroll at any time, but Evidence of Insurability is required if you enroll after 30 days from your eligibility date or if you elect a level of coverage greater than $1.2 million.

Once you enroll, your coverage is effective on your first day of eligibility when 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 enroll at any time, but Evidence of Insurability is required if you enroll after 30 days from your eligibility date or if you elect a level of coverage greater than $75,000 for Spouse Life Insurance.

You can choose the following coverage for your eligible family members:

Once you enroll, your coverage is effective on your first day of eligibility when 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 enroll at anytime, but Evidence of Insurability is required if you enroll after 30 days from your eligibility date.

Once you enroll, your coverage is effective on the date you complete the application and the Salary Deduction Authorization form.

You will automatically be enrolled on your first day of eligibility when 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 will automatically be enrolled on your first day of eligibility when 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 enroll at any time, but Evidence of Insurability is required if you enroll after 30 days from your eligibility date.

Once you enroll, your coverage is effective on your first day of eligibility when 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.

This plan is offered each July 1 to certain employees in receipt of bonus income.

You enroll for coverage by accessing MMC PeopleLink's MMC Benefits Online.

You are eligible to participate immediately if you are classified on payroll as a U.S. salaried employee of MMC or any subsidiary and any of their subsidiaries and are at least age 18 years of age. Your election will be effective in the next available pay cycle.

You can enroll by going online to ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or call the MMC Employee Service Center at 1-866-374-2662.

You must make the elections 11 business days (if you are on the semi-monthly payroll) or 5 business days (if you are on the weekly payroll) prior to the paycheck in which you wish the enrollment to be reflected.

You are eligible to participate if:

You can enroll by going online to ibenefitcenter via MMC PeopleLink (www.mmcpeoplelink.com) or call the MMC Employee Service Center at 1-866-374-2662.

You must enroll within 30 days from your date of hire or during the Annual Enrollment period for participation effective in the following calendar year.

You are eligible to participate in the Plan on the first business day of October 1 if you are of MMC provided that you:

If you are rehired and you had at least six months of service when you left the Company, you may be eligible to participate at the start of the next plan year, which begins on the first business day of October, without any prior waiting period. If you do not have a total of six months of service by the first business day of October, you must wait until the next plan year to participate.

You may enroll in the plan during Annual (generally in early September) by accessing MMC PeopleLink's Employee Self Service and clicking on the Stock Purchase Plan link.

Kroll Employees: You must complete the MMC Employee Stock Purchase Plan Enrollment Form and deliver it to your Human Resources Representative before the end of the business day on the last day of the enrollment period. To access the form, visit www.mmcpeoplelink.com, and then click on the SPP icon on the homepage. You will not have the option of using Employee Self Service.

You are eligible to participate if you are at least age 21 and have one year of vesting service.

You are automatically enrolled in the MMC Retirement Plan.

You enroll for coverage by contacting WageWorks.

You may get coverage under the plan for you and your eligible family members.

Also, you must:

Once you enroll, your coverage will start on the first of the month following acceptance by MetLife.

Your coverage begins when your application for coverage has been approved by the program's insurer.

You enroll for coverage by contacting Marsh Voluntary Benefits at 1-800-225-2265.