Health Savings Account

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	Participating in Spending Accounts

	Health Care Flexible Spending and Limited Purpose Health Care Flexible Spending Accounts

	Dependent Care Flexible Spending Account

	Health Savings Account

		Eligibility Requirements

		Your Eligibility Date

		Enrollment

		Taxes

		When Contributions Start

		When Contributions End

		Continuing Participation

Health Savings Account

Eligibility Requirements

If you are an employee of MMC or any subsidiary or affiliate of MMC and you meet the requirements set forth below, you become eligible on your eligibility date.

In order to establish and contribute to the Health Savings Account, you must:

be enrolled in the MMC Consumer Directed Health Plan,

not be covered by other health insurance (this rule does not apply to specific injury insurance and accident, disability, dental care, vision care, or long-term care),

not be eligible for Medicare, and

not be claimed as a dependent on someone else's tax return.

Therefore you cannot elect the Health Savings Account if you or a family member participates in a traditional Health Care Flexible Spending Account, you are enrolled in Medicare, or have other non-high-deductible health plan coverage (such as through your spouse's employer plan). You may, however, be eligible to participate in MMC's Limited Purpose Health Care Flexible Spending Account, which is designed specifically for employees who participate in the MMC Consumer Directed Health Plan and Health Savings Account.

Eligible MMC Employees (other than Kroll)

You are eligible if you are an employee classified on payroll as a U.S. salaried employee of MMC or any subsidiary or affiliate of MMC (other than Kroll, Inc., and any of its subsidiaries).

MMC employees who are classified on payroll as hourly employees or who are compensated as independent contractors are not eligible to participate.

Eligible Kroll Employees

You are eligible if you are classified on payroll as a U.S. full-time regular employee of Kroll, Inc. or any of its subsidiaries. You are considered "full-time" if you are generally scheduled to work 35 hours or more per week.

Kroll employees who are classified on payroll as contingent or part-time employees or who are compensated as independent contractors are not eligible to participate.