Participating in Healthcare Benefits

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	Participating in Healthcare Benefits

	Eligible Employees

	Eligible Family Members

	Enrollment

	Costs

	When Coverage Starts

	If You Have Other Coverage

	Changing Levels of Coverage

	When Coverage Ends

	Continuing Coverage

	HIPAA

Participating in Healthcare Benefits

"You," "Your," and "Employee"

As used throughout this Handbook, "employee", "you" and "your" always mean:

• For MMC participants: a U.S. salaried employee of MMC or any subsidiary or affiliate of MMC (other than Kroll, Inc. and any of its subsidiaries).

• For Kroll participants: a U.S. full-time regular employee of Kroll, Inc and any of its subsidiaries

This section explains which employees are eligible to participate in the MMC healthcare benefits. This section also explains which family members are eligible to participate in the healthcare plans.

Participation Information for Non-Employees

For the healthcare plans that provide benefits for those who are not current employees (such as post 65 retirees), the eligibility and participation information is generally contained in the section that describes the applicable benefit. However, information on pre 65 retiree medical coverage can be found in the section called Participating in Pre-65 Retiree Medical Coverage.