Glossary

Handbook
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	Long Term Care Insurance Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	What Is Not Covered

	Filing a Claim

	Glossary

Glossary

Active Work Status

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

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).

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.

Approved Spouse and Domestic Partner

Adding a spouse or same gender or opposite gender domestic partner to certain benefits coverage is permitted upon employment or during the Annual Enrollment period for coverage effective the following January 1st if you satisfy the plans' criteria, or immediately upon satisfying the plans' criteria if you previously did not qualify. To obtain spousal or domestic partner coverage, you will need to complete an Affidavit of Eligible Family Membership via MMC Benefits Online declaring that:

Spouse / Domestic Partner

You have already received a marriage license from a U.S. state or local authority, or registered your domestic partnership with a U.S. state or local authority; or

Spouse Only

Although not registered with a U.S. state or local authority, your relationship constitutes a marriage under U.S. state or local law (e.g. common law marriage or a marriage outside the U.S. that is honored under U.S. state or local law).

Domestic Partner Only

Although not registered with a U.S. state or local authority, your relationship constitutes an eligible domestic partnership. To establish that your relationship constitutes an eligible domestic partnership you and your domestic partner must:

be at least 18 years old

not be legally married, under federal law, to each other or anyone else or part of another domestic partnership during the previous 12 months

currently be in an exclusive, committed relationship with each other that has existed for at least 12 months and is intended to be permanent

not be Medicare eligible

currently reside together, and have resided together for at least the previous 12 months, and intend to do so permanently, and

have agreed to share responsibility for each other's common welfare and basic financial obligations

not related by blood to a degree of closeness that would prohibit marriage under applicable state law.

MMC reserves the right to require documentary proof of your domestic partnership at any time, for the purpose of determining benefits eligibility. If requested, you must provide documents verifying either the registration of your domestic partnership with a state or local authority or your cohabitation and/or mutual commitment.

Once your Affidavit of Eligible Family Membership is completed and processed, you may cover the dependent child(ren) of your spouse or domestic partner.

Before Tax Deductions (Employee Contributions)

Contributions taken from your paycheck generally before Social Security (FICA and Medicare) and federal unemployment insurance (FUTA) taxes and other applicable federal, state, local and other income taxes are withheld.

For certain plans, such as the 401(k) Savings & Retirement Plan and the Supplemental Savings & Retirement Plan, contributions are taken from your paycheck after Social Security and federal unemployment insurance taxes are withheld but before federal, and, if applicable, state or local income taxes are withheld.

Care advisor

A health care professional from a Care Management Organization.

Care advisors do not identify medical conditions (the insureds physician does this). Services performed by care advisors include:

assessing long-term care needs;

developing a long-term care service plan;

requisitioning and coordinating long-term care services;

implementing the long-term care service plan; and

periodically monitoring and reassessing long-term care services.

Chronically Ill

Chronically Ill means that:

you are unable to perform, without substantial assistance from another individual, at least two Activities of Daily Living for a period of at least 90 days due to a loss of functional capacity; or

you require substantial supervision to protect you from threats to health and safety due to Severe Cognitive Impairment.

Eligible 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.

Eligible 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).

Full-time Regular Employee of Kroll

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.

Evidence of Insurability

Evidence of Insurability is proof of good health and is generally required if you do not enroll for coverage when you first become eligible, if the coverage level you are requesting requires such evidence, or if you are increasing coverage. Establishing Evidence of Insurability may require a physical examination at the employee's expense. The Evidence of Insurability must be provided to and approved by the insurer before coverage can go into effect.

Inflation

An economy-wide increase in costs and prices from one year to the next.