Marsh & McLennan Companies Legal Assistance Plan

511

This is a welfare plan.

The plan year is January 1 - December 31.

The Plan Sponsor is:

Eligible employees of Marsh & McLennan Companies, Inc. are covered by the employee benefits plan described in this document, as well as eligible employees of any subsidiary or affiliate which:

You may write to the Plan Administrator to learn which employers participate in this plan.

The Plan Administrator is Marsh & McLennan Companies, Inc. Benefits Administration Committee and can be reached at:

The Plan Administrator has full discretion and authority to control and manage the operation and administration of each of the plans except to the extent authority has been granted to the Claims Administrator for adjudication of claims.

The group contract number is 130.

The Legal Assistance Plan is provided through contracts with the Claims Administrator, who administers claims for this plan and is solely responsible for providing benefits.

The Company has engaged the services of the Claims Administrator for processing claims for this fully-insured plan.

Contributions are made solely by participating employees.

Except where preempted by ERISA or other U.S. laws, the validity of the plan and any of its provisions will be determined under the laws of Delaware without giving effect to principles of conflict of laws.

(This is the main business address for the Administrator. Be sure to check your claim form or instructions for the address of the claims processing office.)

For filing a claim:

For appealing a claim:

For converting your coverage: