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    Administrative Information
        How the Benefits Handbook Is Used
        Administrative Details about the Plans
        Other Administrative Details
        ERISA, and Your Rights under ERISA
       
Summary Plan Descriptions
        Summary Annual Reports
        Plan Summaries
        Official Plan Documents
        Plan Amendments
        Plan Termination
        Claims, Reviews, and Appeals
        Conversion Rights
        Non-Assignment of Benefits
        About Plan Coverage
        Other Important Information about the Plans
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Summary Plan Descriptions
About SPDs
Summary plan descriptions (SPDs) are intended to provide you with easy-to-understand general explanations of the more significant provisions of your benefit plans. If any conflict should arise between the Summary Plan Description and the provisions of the plan, or if any provision is not explained or only partially explained in the Summary Plan Description, your rights will be determined under the provisions of the plan document (which may be changed from time to time), as interpreted by the Claims Administrator or Plan Administrator, as applicable.
Plans subject to ERISA, described under "ERISA, and Your Rights under ERISA", are required to provide summary plan descriptions (SPDs) for those plans. This Benefits Handbook serves as the summary plan description for the following plans:
Health & Welfare Plans
  • The Basic Life Insurance Plan
  • The Basic Long Term Disability Plan
  • The Business Travel Accident Insurance Plan
  • The Comprehensive Medical Plan ("CMP")
  • The Consumer Directed Health Plan ("CDHP")
  • The Dental Plan
  • The Dependent Care Flexible Spending Account Plan ("DCFSA")
  • The Dependent Children Life Insurance Plan
  • The Employee Assistance Plan ("EAP")
  • The Exclusive Provider Organization Plan ("EPO")
  • Hawaii – HMSA's Health Plan Hawaii Plus ("HMO")
  • Hawaii – HMSA's Preferred Provider Plan ("PPP")
  • The Health Care Flexible Spending Account Plan ("HCFSA")
  • The Health Savings Account ("HSA")
  • The Kaiser Foundation Health Plan, California – North & South ("HMO")
  • The Legal Assistance Plan
  • The Limited Purpose Health Care Flexible Spending Account Plan ("LPHCFSA")
  • The Long Term Care Insurance Plan
  • The Long Term Disability Bonus Income Plan
  • The Optional Life Insurance Plan
  • The Optional Long Term Disability Plan
  • The Personal Accident Insurance Plan
  • The Personal Life Insurance Plan
  • The Preferred Provider Organization Plan ("PPO")
  • The Vision Care Plan)
Tax-qualified Retirement and Savings Plans
  • The Mercer HR Services Retirement Plan
  • The MMC Retirement Plan
  • The MMC 401(k) Savings & Investment Plan
The information presented in these Summary Plan Descriptions is intended to comply with the disclosure requirements of the regulations issued by the U.S. Department of Labor under the Employee Retirement Income Security Act of 1974 (ERISA).
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MMC Companies spacer Benefits effective June 6, 2008
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