Participating in the Plan

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	Personal Accident Insurance Plan

	The Plan at a Glance

	Participating in the Plan

		Eligible Employees

		Eligible Spouses and Domestic Partners

		Eligible Children

		Enrollment

		Cost of Coverage

		When Coverage Begins

		Changing Coverage

		When Coverage Ends

		Beneficiaries

	How the Plan Works

	How Benefits Are Paid

	Filing a Claim

	Glossary

Participating in the Plan

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

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

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

• 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).

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.

You can also cover your eligible spouse, approved domestic partner, child, and child of your approved domestic partner under this plan.

MMC Employees (other than Kroll)

As used throughout this plan summary, "MMC Employees (other than Kroll)" are defined as employees classified on payroll as U.S. salaried employees of MMC or any subsidiary or affiliate of MMC (other than Kroll Inc., and any of its subsidiaries).

Kroll Employees

As used throughout this plan summary, "Kroll Employees" are defined as employees classified on payroll as U.S. full-time regular employees of Kroll, Inc. or any of its subsidiaries.