Participating in the Plan

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	Long Term Care Insurance Plan

	The Plan at a Glance

	Participating in the Plan

		Eligible Employees

		Eligible Spouses and Domestic Partners

		Eligible Family Members

		Enrollment

		Evidence of Insurability

		Cost of Coverage

		When Coverage Starts

		When Coverage Ends

	How the Plan Works

	What Is Not Covered

	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).

The following section provides information on how you start participating in the program.

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 family members and approved opposite gender or same gender domestic partners under this Plan to the extent permissible by state insurance regulations.

MMC Employees (other than Kroll)

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