Participating in the Plan

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	Basic Long Term Disability

	The Plan at a Glance

	Participating in the Plan

		Enrollment

		When Coverage Starts and Ends

		Cost of Coverage

	How the Plan Works

	Disability Payment Details

	Other Sources of Disability Benefits

	Filing a Claim

Participating in the Plan

Eligibility

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

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

• 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)

• For Kroll participants: a U.S. full-time regular employee of 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.

Eligibility Requirements

MMC Employees (other than Kroll)

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.

Kroll Employees

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.

Your Eligibility Date

Eligibility Date for MMC Employees (other than Kroll and Marsh)

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.

Eligibility Date for Kroll Employees (other than Kroll employees in the following Technical Services Groups: Background America, Laboratory Specialists, & Factual Data)

Kroll employees have a 30 day waiting period before they are eligible for coverage. This 30 day waiting period begins on the first day that the employee is actively at work. The eligibility date is the 31st calendar day from the first day that the employee is actively at work. For example, if the first day that an employee is actively at work is August 1, his/her eligibility date is August 31.

Eligibility Date for Kroll Employees of the following Technical Services Groups: Background America, Laboratory Specialists, & Factual Data

Kroll employees have a 90 day waiting period before they are eligible for coverage. This 90 day waiting period begins on the first day that the employee is actively at work. The eligibility date is the 91st calendar day from the first day that the employee is actively at work. For example, if the first day that an employee is actively at work is August 1, his/her eligibility date is October 30.

Eligibility Date for Marsh Employees

Marsh employees have a 30-day waiting period before they are eligible for coverage. This 30-day waiting period begins on the first day that the employee is actively at work. The eligibility date is the 31st calendar day from the first day that the employee is actively at work. For example, if the first day that an employee is actively at work is August 1, his/her eligibility date is August 31.