Glossary

Handbook
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	Group Umbrella Liability Insurance Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	Exclusions

	Glossary

Glossary

Actively-at-Work

You are "actively at work" if you are fulfilling your job responsibilities at a Company-approved location on the day coverage is supposed to begin (e.g., you are not out ill or on a leave of absence).

Active Work Status

You must be actively-at-work during your approved scheduled work week and not on any type of leave.

After Tax Deductions (Employee Contributions)

Deductions taken from your pay after Social Security (FICA and Medicare) and federal unemployment insurance (FUTA) taxes and other applicable federal, state and local taxes are withheld.

Certificate of Insurance

Upon enrollment in the plan, you will be mailed a Certificate of Insurance to your home outlining the policy and exclusions in more detail.

Claims Administrator

Vendor that administers the Plan and processes claims; the vendor's decisions are final and binding.

Eligible Employees

Eligible MMC Employees (other than Kroll)

MMC employees (other than Kroll) are defined as employees 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

Kroll employees are defined as employees classified on payroll as U.S. full-time regular employees 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.

Full-Time Regular Employees of Kroll means employees that were not hired to perform short-term projects, special programs of a temporary nature and will not be terminated from employment upon completion of their assignment.

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.

MMC Benefits Online

From your personalized home page, go to the Enterprise Menu (upper left) and click on the MMC Benefits Online heading; then click the MMC Benefits Online link. Next, follow the appropriate path to this transaction.

Net Loss

The sum actually paid or payable due to a claim for which the employee is liable either by a settlement agreed to by the Insurer or a final judgment. Such sums will include proper adjustment for recoveries and salvage.

Waiting Period/Elimination Period

The amount of time you must wait before being able to participate in a plan.