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.

There is no waiting period if you are actively at work. Your eligibility date is the first day you are actively at work on or after your date of hire.

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.

There is no waiting period for Kroll employees for this Plan if you are actively at work. Your eligibility date is the first day your active work status began on or after your date of hire.

Note: The Business Travel Accident Insurance Plan covers all employees worldwide who meet the eligibility requirements set forth by the Plan. Employees located outside of the U.S. should check their local intranet or contact their Human Resources Representative to confirm what coverage may already be provided while traveling abroad on business.