These plans and the Benefits Handbook, whether on a single basis or in combination, are not a contract of employment and do not give any individual a right of employment or continued employment with Marsh & McLennan Companies, Inc.

Every effort is made to pay your benefits from the plans accurately, but mistakes may occur occasionally. The Plan Administrator or Claims Administrator will make corrections that it deems appropriate, such as requiring a participant to repay an overpayment to the applicable plan, making an additional payment to an underpaid participant, adjusting future benefit payments, or other actions as necessary to correct errors or omissions. You or your family member will be notified if a plan determines that a mistake was made.

If for some reason a benefit is paid that is larger than the amount allowed by a particular plan, the plan has a right to recover the excess amount from the person or agency that received it. The Plan Administrator or Claims Administrator must produce any instruments or papers necessary to insure the right of recovery, unless prohibited by law, and present them to the person receiving benefits.

If a plan is required to provide COBRA coverage, a COBRA event occurs and you or your eligible family members do not elect COBRA, your plan coverage will end. You cannot convert the plan's coverage to an individual policy.