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• Life Events
• Adding a Domestic Partner
• About the Life Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Becoming Eligible for State Premium Assistance Program
• About the Event
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Child No Longer Eligible for Benefits
• About the Event
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Death of a Child
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Death of a Spouse
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Death of an Employee
• Plans That May Pay Survivor Benefits
• Plans That Do Not Pay Survivor Benefits
• Special Death Benefit
• Beneficiary Elections
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Contact
• Getting Divorced
• About the Event
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Getting Legally Separated
• About the Event
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• Getting Married
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related changes
• Other Things to Think About
• Beneficiary Elections
• Contact
• Having a Baby / Adopting a Child
• About the Event
• Impact on Benefits
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Other Things to Think About
• Beneficiary Elections
• Employee Assistance Program (EAP)
• Contact
• CHIP/Medicaid Loss of Eligibility
• About the Event
• Making Changes to Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Covered Family Member Gains Coverage Elsewhere/or Becomes Eligible for Government Insurance
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Contact
• Spouse Leaves a Job
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-related Changes
• Employee Assistance Program (EAP)
• Contact
• Termination of a Domestic Partnership
• About the Event
• Impact on Benefits
• When to Make Changes
• Pay-Related Changes
• Employee Assistance Program (EAP)
• Contact
• Glossary

• Work Events
• Authorized Unpaid Leave of Absence
• About the Event
• Impact on Benefits
• Paying for Coverage While on Leave
• Contact
• Leaving the Company
• About the Event
• Pay-Related Information
• COBRA Coverage
• COBRA Eligibility and Enrollment
• Impact on Benefits
• Qualifying Event-Termination of Employment
• Other Things to Think About
• Contact
• Military Leave and Your Benefits
• Your Benefits Coverage
• Will I Lose Coverage?
• Contact
• Newly Hired or Rehired Employee
• Getting Paid
• Benefit-Related Information
• Rehired by the Company
• Enrollment in Before-Tax Benefits
• Available Benefit Plans
• Beneficiary Elections
• Company Policies
• Contact
• Relocation
• About the Event
• Pay-related information
• Relocation Assistance
• Employee Assistance Program (EAP)
• Contact
• Transfers
• Glossary

• Healthcare Benefits

• Participating in Healthcare Benefits
• Eligible Employees
• Your Eligibility Date
• Eligible Family Members
• Spouses and Domestic Partners
• Children
• Retiree Plan Participation
• Retiree Eligibility Requirements
• Transfers/Status Changes/Rehires
• Enrollment
• Enrolling/Terminating Retiree Medical Plan Coverage
• Deferring Retiree Medical Plan Coverage
• Costs
• Taxes
• When Coverage Starts
• If You Have Other Coverage
• Changing Levels of Coverage
• When Coverage Ends
• Continuing Coverage
• About COBRA Coverage
• COBRA Eligibility and Enrollment
• COBRA and Flexible Spending Accounts
• Employee Enrollment in COBRA Coverage
• Enrolling a Family Member under COBRA
• Changes While on COBRA
• Paying for COBRA Coverage
• Extending Benefits Due to Disability
• Impact of Medicare Eligibility
• When COBRA Coverage Ends
• Filing a Claim under COBRA
• COBRA Contact
• HIPAA
• Eligibility
• How HIPAA Works
• Enrollment
• Pre-existing Conditions and Coverage Information
• Other Certificate Information

• Medical Coverage Options
• Available Options

• Participating in Pre-65 Retiree Medical Coverage
• Eligibility
• Spouses and Domestic Partners
• Transfers/Status Changes/Rehires
• Enrollment
• Enrolling/Terminating Retiree Medical Plan Coverage
• Deferring Retiree Medical Plan Coverage
• Enrollment Changes
• Paying for Coverage
• When Coverage Begins
• Medicare Prescription Drug Benefits

• Consumer Directed Health Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Health Savings Account
• Limited Purpose Health Care FSA Participation
• Deductibles
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Mastectomy - Reconstructive Surgery
• Prescription Drugs
• Mental Health/Substance Abuse
• Gender Reassignment Surgery
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Appealing a Claim
• Glossary

• Preferred Provider Organization (PPO)
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Deductibles
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Mastectomy - Reconstructive Surgery
• Prescription Drugs
• Mental Health/Substance Abuse
• Gender Reassignment Surgery
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Glossary

• BCBS Exclusive Provider Organization
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Mastectomy - Reconstructive Surgery
• Prescription Drugs
• Gender Reassignment Surgery
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Glossary

• UHC Exclusive Provider Organization
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Out-of-Pocket Maximums
• Networks
• Utilization Review
• What's Covered
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Mastectomy - Reconstructive Surgery
• Obesity Surgery
• Prescription Drugs
• Gender Reassignment Surgery
• Detailed List of Covered Services
• What's Not Covered
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Filing a Claim
• Glossary

• CA North & South-Kaiser Foundation Health Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Out-of-Pocket Maximums
• Networks
• Your Primary Care Physician
• Utilization Review
• What's Covered
• Pre-existing Conditions
• Office Visits
• Preventive/Wellness Care
• Maternity
• Inpatient Hospital and Physician Services
• Mastectomy - Reconstructive Surgery
• Prescription Drugs
• Emergency Room
• Mental Health
• Detailed List of Covered Services
• Filing a Claim
• Glossary

• HMSA's Health Plan Hawaii Plus HMO
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Filing a Claim
• Glossary

• HMSA's Preferred Provider Plan (PPP)
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• Filing a Claim
• Glossary

• Post-65 Retiree Medical Coverage

• Comprehensive Medical Plan (CMP)
• The Plan at a Glance
• Participating in the Plan
• Eligibility
• Dependent Eligibility Requirements
• Enrolling/Terminating Retiree Medical Plan Coverage
• Deferring Retiree Medical Plan Coverage
• Enrollment Changes
• ID Cards
• Cost of Coverage
• When Coverage Starts
• Changing Levels of Coverage
• When Coverage Ends
• How the Plan Works
• Deductibles
• Out-of-Pocket Maximums
• Utilization Review
• Prolonged Illness Coverage
• Coordinating with Other Plans
• Coordination of Benefits with Medicare
• Injury and Illness Caused by a Third Party
• Filing a Claim
• What's Covered
• Pre-existing Conditions
• Office Visits
• Preventive/Wellness Care
• Maternity
• Family Planning
• Inpatient Hospital and Physician Services
• Surgery
• Emergency Room
• Mental Health
• Alcohol and Substance Abuse
• Speech, Physical and Occupational Therapy
• Allergies
• CAT/PET Scans
• Chiropractors
• Cardiac Rehabilitation
• Durable Medical Equipment
• Hearing Care
• Home Health Care
• Laboratory Charges
• MRIs
• Skilled Nursing Facility
• X-rays
• Mastectomy - Reconstructive Surgery
• Prescription Drugs
• Detailed List of Covered Services
• What's Not Covered
• Preventive/Wellness Care
• Alternative Treatments
• Comfort or Convenience
• Dental
• Drugs
• Experimental or Investigational Services or Unproven Services
• Foot Care
• Medical Supplies and Appliances
• Mental Health/Substance Abuse
• Nutrition
• Physical Appearance
• Providers
• Reproduction
• Services Provided under Another Plan
• Transplants
• Travel
• Vision and Hearing
• Work-Related Accident and Illness
• All Other Exclusions
• Glossary

• Dental Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• About the Network
• Deductible
• Predetermination of Benefits
• Treatment Started Before Coverage Begins
• Treatment Started Before Coverage Ends
• Coordinating with Other Plans
• What's Covered
• Alternative Benefits
• Covered Service Benefits and ADA Codes
• What's Not Covered
• General Exclusions
• Diagnostic and Preventive Exclusions
• Restorative Exclusions
• General Services Exclusions
• Orthodontic Exclusions
• Filing Claims
• Appealing Claims
• Glossary

• Vision Care Plan
• Plan at a Glance
• Participating in the Plan
• Enrollment
• Cost of Coverage
• ID Cards
• How the Plan Works
• About the Vision Discount Program
• Finding a VSP Network Doctor
• Non-VSP Doctors
• What to Know About Vision Care
• Coordinating with other plans
• What's Covered
• More on Covered Services
• What's Not Covered
• Filing a Claim
• Glossary

• Vision Discount Program
• Participating in the Vision Discount Program
• Enrollment
• Cost of Coverage
• ID Cards
• What the Program Provides
• Contact Information
• Glossary

• Spending Accounts

• Participating in Spending Accounts
• Health Care Flexible Spending and Limited Purpose Health Care Flexible Spending Accounts
• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Participation Starts
• When Participation Ends
• Continuing Participation
• Dependent Care Flexible Spending Account
• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Participation Starts
• When Participation Ends
• Continuing Participation
• Health Savings Account
• Eligibility Requirements
• Your Eligibility Date
• Enrollment
• Taxes
• When Contributions Start
• When Contributions End
• Continuing Participation

• Health Savings Account
• The Account at a Glance
• Participating in the Account
• Enrollment
• Contributions
• Contribution Limits
• Investment Options
• When Contributions Start
• When Contributions End
• Taxes
• Retirees
• Administrative Fees for Retirees
• How the Account Works
• Withdrawals
• Qualified Medical Expenses
• Nonqualified Medical Expenses
• Account Information
• Glossary

• Dependent Care Flexible Spending Account
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Contributions
• Taxes
• How the Plan Works
• Reimbursements
• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Health Care Flexible Spending Account
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Contributions
• Taxes
• How the Plan Works
• Reimbursements
• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Limited Purpose Health Care Flexible Spending Account
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Contributions
• Taxes
• How the Plan Works
• Reimbursements
• Examples of Eligible Expenses
• Examples of Ineligible Expenses
• About Your Account
• Glossary

• Insurance Benefits

• Participating in Insurance Benefits
• Eligible Employees
• Your Eligibility Date
• Eligible Family Members
• Spouses and Domestic Partners
• Children
• Enrollment
• Beneficiaries
• Costs
• When Coverage Starts
• Changing Your Coverage
• When Coverage Ends
• Continuing Coverage

• Basic Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• When Coverage Ends
• How the Plan Works
• Salary
• Accelerated Benefit Option
• Assigning Your Benefit
• Retiree Benefit
• Survivor Assistance
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Spouse Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends
• How the Plan Works
• Salary
• Survivor Assistance
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Dependent Children Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Children
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• Child Hospitalized on Effective Date
• Changing Coverage
• When Coverage Ends
• Evidence of Insurability for Plan Conversion
• How the Plan Works
• Survivor Assistance
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Optional Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Enrollment
• Evidence of Insurability
• Beneficiaries
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends
• How the Plan Works
• Salary
• Accelerated Benefit Option
• Assigning Your Benefit
• Survivor Assistance
• Will Preparation
• Estate Resolution
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Personal Accident Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Cost of Coverage
• When Coverage Begins
• Changing Coverage
• When Coverage Ends
• Beneficiaries
• How the Plan Works
• Spouse and Domestic Partner Benefits
• Dependent Children Benefits
• Coma Benefits
• Dismemberment Benefits
• Additional Benefits
• What Is Not Covered
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Group Umbrella Liability Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Enrollment
• Changing Coverage
• When Coverage Ends
• Underlying Primary Levels of Coverage
• Cost of Coverage
• How the Plan Works
• What's Covered
• Supplementary Payments
• Exclusions
• Glossary

• Business Travel Accident Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Cost of Coverage
• When Coverage Begins
• When Coverage Ends
• Beneficiaries
• How the Plan Works
• Spouse and Domestic Partner Benefits
• Dependent Children Benefits
• Coma Benefits
• Dismemberment Benefits
• Additional Benefits
• What Is Not Covered
• How Benefits Are Paid
• Filing a Claim
• Glossary

• Long Term Care Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Eligible Spouses and Domestic Partners
• Eligible Family Members
• Enrollment
• Evidence of Insurability
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends
• How the Plan Works
• About Your Benefits
• What Is Not Covered
• Filing a Claim
• Glossary

• Disability Coverage

• Short Term Disability Benefits Policy
• Participating in the STD Benefits Policy
• Eligible Employees
• Eligibility Date
• When Coverage Starts and Ends
• Enrollment
• Cost of Coverage
• Duration and Coverage Level of STD Benefits
• Unpaid Waiting Period
• Coverage Level and Duration
• Actively at Work
• Qualifying for STD Benefits
• Exclusions
• Filing a Claim
• Disability Review Process
• Payment Information
• Initiation of Payments
• Method of Payments
• Taxes on STD Benefits
• Effect on Other Benefits
• Merit Increases
• Termination of Payments
• Additional Periods of Disability
• Modified Work Schedule
• Recurring Disabilities
• Federal and State Family and/or Medical Leave Laws
• Returning to Work
• Contact with Manager
• Subrogation
• Overpayment
• Denial of a Claim
• Eligibility to Participate and Procedural Step Appeals
• Claims Administrator Appeal
• Amendment or Termination of This STD Policy

• 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 Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits
• Disability Payment Details
• Getting Paid
• Other Sources of Disability Benefits
• Subrogation
• Filing a Claim

• Optional Long Term Disability
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Changing Coverage
• When Coverage Starts and Ends
• Cost of Coverage
• How the Plan Works
• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits
• Disability Payment Details
• Getting Paid
• Other Sources of Disability Benefits
• Subrogation
• Filing a Claim

• Long Term Disability Bonus Income Plan
• The Plan at a Glance
• Participating in the Plan
• Enrollment
• Changing Coverage
• When Coverage Starts
• When Coverage Ends
• Cost of Coverage
• How the Plan Works
• Eligible Bonus
• Disability Explanation
• Pregnancy
• Mental Health and Substance Abuse
• Exclusions
• Returning to Work
• Rehabilitation Benefits
• Disability Payment Details
• Getting Paid
• Other Sources of Disability Benefits
• Filing a Claim
• Glossary

• Investment and Retirement

• Stock Purchase Plan
• The Plan at a Glance
• How the Plan Works
• Eligibility
• Enrollment
• Contributions
• If You Leave the Company
• If You Die
• Purchasing Stock
• Stock Ownership
• Voting/Ownership Rights
• Dividends
• Taxes
• Legal Disclosure
• Glossary

• Marsh & McLennan Companies 401(k) Savings & Investment Plan
• The Plan at a Glance
• Participating in the Plan
• How the Plan Works
• Automatic Enrollment Process
• Vesting
• Receiving a Distribution
• Your Contributions
• Your Contribution Amounts
• Effect on Other Benefits
• Eligible Base Pay for Determining Marsh & McLennan Companies 401(k) Savings & Investment Plan Contributions
• IRS Limit on Pay
• Maximum Contributions
• Minimum Contributions
• Catch-up Contributions
• Roth 401(k) Contributions
• Rollovers into the Plan
• Company Matching Contributions
• Breaks in Service
• Rehires
• Transfers from Non-Participating Marsh & McLennan Companies
• Leave of Absence
• Investing Your Account Balance
• How Company Matching Contributions Are Invested
• Special Company Contributions
• Changing Investment Direction of Future Contributions
• Moving Money Among Funds
• Your Investment Options
• Learning More About the Funds
• Limit on Number of Funds
• Outside Investments
• Making Investment Elections
• No Investment Election
• Responsibility for Investment Decisions and Performance
• Investing In Marsh & McLennan Companies Stock
• How Your Account Is Valued
• Prices Used To Value Stock
• Fees For Investment Changes
• Dividends on Marsh & McLennan Companies Shares and Stock Voting Rights
• MMC Stock Fund Record and Payout Dates
• Dividend Direction Options
• Changing Your Dividend Election
• Taxes on Dividends
• About Marsh & McLennan Companies Stock
• In-Service Withdrawals
• Qualifying for an In-service Withdrawal
• Requesting an In-Service Withdrawal
• Check Delivery
• Redepositing My Withdrawals
• Taxes on Withdrawals
• Financial Hardship Withdrawals
• Approval
• Taxes on Financial Hardship Withdrawals
• How to Apply
• Check Delivery
• Loans
• Comparison with Withdrawals
• Loan Terms
• Maximum Number of Loans
• Available Loan Amount
• Loan Repayment Summary
• Applying for a Loan
• Loan Defaults
• Consequences of Loan Default
• Requesting a Loan
• Home Purchase Loan
• Loan Taxes
• Available Loan Amounts
• Loan Repayments
• Repaying Loan When Not Working
• Leaving the Company
• Leaving Your Money in the Plan
• Taxes When Taking a Distribution
• Reporting a Change in Address
• How Benefits Are Paid
• Direct Deposit
• Distribution Delivery
• Stock Distributions
• Resale Restrictions
• When Benefits Are Paid
• Automatic Distributions
• Required Minimum Distribution
• Requesting a Required Minimum Distribution
• Taxes on Required Minimum Distributions
• Applying for Benefit
• Spouse Consent
• Rollovers Out of the Plan
• How to Apply for a Rollover
• Distributions Including Outstanding Loans
• How Benefits Are Taxed
• Effect on Your Paycheck
• Taxes When Taking a Distribution
• Tax Treatment of an In-Kind Distribution of Marsh & McLennan Companies Stock
• In Case of Divorce
• In Case of Your Death
• Choosing a Beneficiary
• Changing a Beneficiary
• Who Gets Your Benefit
• How the Benefit Is Paid
• How to Apply for a Benefit
• When a Benefit Is Paid
• Taxes
• Merged Plans
• Plan Spin-off or Merger
• Account Information
• Account Updating
• Account Statements
• Miscellaneous
• Account Fees
• Investment Management Fees
• Glossary

• MMA 401(k) Savings & Investment Plan
• The Plan at a Glance
• Participating in the Plan
• How the Plan Works
• Automatic Enrollment Process
• Vesting
• Receiving a Distribution
• Your Contributions
• Your Contribution Amounts
• Effect on Other Benefits
• Eligible Base Pay for Determining MMA 401(k) Savings & Investment Plan Contributions
• IRS Limit on Pay
• Maximum Contributions
• Minimum Contributions
• Catch-up Contributions
• Roth 401(k) Contributions
• Rollovers into the Plan
• Company Matching Contributions
• Breaks in Service
• Rehires
• Transfers from Non-Participating MMA and Marsh & McLennan Companies
• Leave of Absence
• Investing Your Account Balance
• How Company Matching Contributions Are Invested
• Special Company Contributions
• Changing Investment Direction of Future Contributions
• Moving Money Among Funds
• Your Investment Options
• Learning More About the Funds
• Limit on Number of Funds
• Outside Investments
• Making Investment Elections
• No Investment Election
• Responsibility for Investment Decisions and Performance
• Investing In Marsh & McLennan Companies Stock
• How Your Account Is Valued
• Prices Used To Value Stock
• Fees For Investment Changes
• Dividends on Marsh & McLennan Companies Shares and Stock Voting Rights
• In-Service Withdrawals
• Qualifying for an In-Service Withdrawal
• Requesting an In-Service Withdrawal
• Check Delivery
• Redepositing My Withdrawals
• Taxes on Withdrawals
• Financial Hardship Withdrawals
• Approval
• Taxes on Financial Hardship Withdrawals
• How to Apply
• Check Delivery
• Loans
• Comparison with Withdrawals
• Loan Terms
• Maximum Number of Loans
• Available Loan Amount
• Loan Repayment Summary
• Applying for a Loan
• Loan Defaults
• Consequences of Loan Default
• Requesting a Loan
• Home Purchase Loan
• Loan Taxes
• Available Loan Amounts
• Loan Repayments
• Repaying Loan When Not Working
• Leaving the Company
• Leaving Your Money in the Plan
• Taxes When Taking a Distribution
• Reporting a Change in Address
• How Benefits Are Paid
• Direct Deposit
• Distribution Delivery
• Stock Distributions
• Resale Restrictions
• When Benefits Are Paid
• Automatic Distributions
• Required Minimum Distribution
• Requesting a Required Minimum Distribution
• Taxes on Required Minimum Distributions
• Applying for Benefit
• Spouse Consent
• Rollovers Out of the Plan
• How to Apply for a Rollover
• Distributions Including Outstanding Loans
• How Benefits Are Taxed
• Effect on Your Paycheck
• Taxes When Taking a Distribution
• Tax Treatment of an In-Kind Distribution of Marsh & McLennan Companies Stock
• In Case of Divorce
• In Case of Your Death
• Choosing a Beneficiary
• Changing a Beneficiary
• Who Gets Your Benefit
• How the Benefit Is Paid
• How to Apply for a Benefit
• When a Benefit Is Paid
• Taxes
• Merged Plans
• Plan Spin-off or Merger
• Account Information
• Account Updating
• Account Statements
• Miscellaneous
• Account Fees
• Investment Management Fees
• Glossary

• Supplemental Savings & Investment Plan
• The Plan at a Glance
• Participating in the Plan
• How the Plan Works
• Deferrals and Credits
• Vesting
• Effect on Other Company Benefits
• Rollovers Into the Plan
• Company Matching Credits
• What Pay Counts
• Company Match Rate
• Transfers from Non-Participating Marsh & McLennan Companies
• If You Are Rehired
• If You Take a Leave of Absence
• Your Deferrals
• Relationship to Marsh & McLennan Companies 401(k) Savings & Investment Plan Deferral Elections
• Changing Your Deferrals
• Stopping Your Deferrals
• Your Deferrals If You Take an Unpaid Leave of Absence or Go on Long Term Disability
• Notionally Investing Your Account Balance
• Notional Investment of Employee Deferrals
• Changing Notional Investment Direction
• Moving Money Among Notional Investment Options
• Your Notional Investment Options
• Learning More About the Notional Investment Options
• Number of Notional Investment Options You May Elect
• Outside Investments
• Making Notional Investment Option Elections
• No Notional Investment Direction Election
• Responsibility for Notional Investment Option Decisions and Performance
• Ability to Diversify
• Directing, Reallocating and Valuing Notional Investment Options
• About Marsh & McLennan Companies Stock
• When Benefits Are Paid
• How Benefits Are Paid
• Distribution Elections/Changes
• Direct Deposit
• Distribution Delivery
• Rollovers
• How Benefits Are Taxed
• Taxes on Deferrals
• Taxes When Taking a Distribution
• In Case of Your Death
• Choosing a Beneficiary
• Changing a Beneficiary
• No Beneficiary Named
• Who Gets Your Benefit
• How the Benefit Is Paid
• How to Apply for a Benefit
• When a Benefit Is Paid
• Taxes
• Leaving the Company
• Notional Investment Direction for Contributions Following Rehire
• Reporting a Change in Address
• Account Information
• Account Updating
• Account Statements
• Miscellaneous
• Account Fees
• Investment Management Fees
• Failure to Comply with Requirements of IRC Section 409A
• Change in Control
• Amendment and Termination of the Plan
• Future Fund Reallocation and/or Transfers in the Event of Plan Termination
• Glossary

• Mercer HR Services Retirement Plan
• The Plan at a Glance
• Participating in the Plan
• How the Plan Works
• Vesting
• If You Leave the Company and Marsh & McLennan Companies and Return
• Company Contributions
• What Pay Counts
• Receiving Contributions
• Maximum Contributions
• Minimum Contributions - Top-heavy Provisions
• If You Become Disabled
• If You Take a Leave of Absence
• Investing Your Account Balance
• Changing Investment Direction of Future Contributions
• Moving Money Among Funds
• Your Investment Options
• Learning More about the Funds
• Number of Funds You May Elect
• Outside Investments
• Making Investment Elections
• No Investment Direction Election
• Responsibility for Decisions
• How Your Account Is Valued
• Prices Used to Value Funds
• Fees For Investment Changes
• About Marsh & McLennan Companies Stock
• When Benefits Are Paid
• In-Service Withdrawals
• Disabled
• Automatic Distributions
• Required Minimum Distribution
• Requesting a Required Minimum Distribution
• Taxes on Required Minimum Distributions
• Resale Restrictions
• How Benefits Are Paid
• Direct Deposit
• Distribution Delivery
• Stock Distributions
• Rollovers
• How Benefits Are Taxed
• Taxes When Taking a Distribution
• Special Tax Treatment of In-Kind Distributions of Marsh & McLennan Companies Stock
• Applying for Benefits
• How to Apply for Distributions
• Spouse Consent
• In Case of Divorce
• What Happens to Your Account
• Beneficiary Designation
• In Case of Your Death
• Choosing a Beneficiary
• Changing a Beneficiary
• Who Gets Your Benefit
• How the Benefit Is Paid
• How to Apply for a Benefit
• When a Benefit Is Paid
• Taxes
• Leaving Marsh & McLennan Companies
• Leaving Your Money in the Plan
• Investment Direction for Contributions Following Rehire
• Reporting a Change in Address
• Merged Plans
• Plan Spin-off or Merger
• Account Information
• Account Updating
• Account Statements
• Miscellaneous
• Account Fees
• Investment Management Fees
• Glossary

• U.S. Retirement Program
• How the U.S. Retirement Program Works

• Benefit Equalization Plan
• The Plan at a Glance
• Participating in the Plan
• How the Plan Works
• Formula
• Transition Benefit
• Vesting
• Time and Form of Payment
• Post-2004 Benefit
• Pre-2005 Benefit
• Taxes
• Income Taxes on Plan Payments
• Tax Implications if Non-Compliant with IRC Section 409A
• In the Case of Your Death
• Glossary

• Supplemental Retirement Plan
• The Plan at a Glance
• Participating in the Plan
• How the Plan Works
• Formula
• Transition Benefit
• Vesting
• Time and Form of Payment
• Post-2004 Benefit
• Pre-2005 Benefit
• Taxes
• Income Taxes on Plan Payments
• Tax Implications if Non-Compliant with IRC Section 409A
• In the Case of Your Death
• Glossary

• Marsh & McLennan Companies Retirement Plan
• The Marsh & McLennan Companies Retirement Plan at-a-Glance
• Participating in the Plan
• When Participation Begins
• How the Marsh & McLennan Companies Retirement Plan Works
• IRS Limit on Pay
• Vesting
• Benefit Service
• Transfers
• If You Leave Marsh & McLennan Companies and Return
• Military Leave
• What the Plan Pays
• Retirement Plan Formula for Benefits Earned on or after January 1, 2006
• Retirement Plan Formula for Benefits Earned as of December 31, 2005
• Benefits Earned Before and After January 1, 2006
• Transition Benefit
• Temporary Transition Benefit
• When Benefits Are Paid
• Normal Retirement
• Early Retirement
• Deferring Your Retirement Benefit Past Age 65
• Disability
• Not Eligible for Retirement
• How Benefits are Paid
• Normal Form of Payment
• Straight Life Annuity
• Contingent Annuity
• Period Certain
• Social Security Level Income
• Lump Sum
• Changing Your Form of Payment
• Determining Your Form of Payment
• Direct Deposit
• Payment by Check
• Requesting a Calculation
• Applying for Benefits
• Terminated Vested or Retired Participant Initiating Benefits
• Reporting a Change in Address
• How Benefits are Taxed
• Changing Withholdings
• Taxes on a Lump Sum
• Reported Withholdings
• Rollovers
• Where to Find Tax Information on Rollovers
• In Case of Divorce
• Qualified Domestic Relations Order (QDRO) Rules
• Retirement Benefit for an Alternate Payee
• Remarriage After a Qualified Domestic Relations Order (QDRO)
• In the Case of Your Death
• Beneficiary If I Die Before Benefits Commence
• Beneficiary If I Die After Benefits Commence
• Benefit to Beneficiary If I Die While Actively Employed
• Benefit to Beneficiary If I Die after Termination but Before Benefits Commence
• Benefit to Beneficiary If I Die After Benefits Commence
• Merged Plans
• Service with an Acquired Company
• Special Sedgwick Rules
• Special Johnson & Higgins Rules
• Glossary

• Employee Programs and Policies

• Education Programs

• Tuition Assistance Program
• Taxes
• Contact

• Scholarship Program
• The Program at a Glance
• Eligibility for the Program
• Eligible Employees
• How the Program Works
• How to Apply
• Other Application Requirements
• Covered Costs
• Financial Concerns

• Other Protection Plans

• Personal Life Insurance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Your Eligibility Date
• Eligible Spouses and Domestic Partners
• Eligible Children
• Enrollment
• Evidence of Insurability For Voluntary Benefits Coverage
• Beneficiaries
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends
• How the Plan Works
• Definition of Salary
• Cash Values and Dividends
• Loan Provisions
• Additional Benefits
• Filing a Claim
• Glossary

• Choice Auto and Home Insurance Program
• The Program at a Glance
• Participating in the Program
• Eligible Employees
• Enrollment
• Cost of Coverage
• When Coverage Starts and Ends
• Changing Coverage
• How the Program Works
• Insurance Through the Program
• Filing a Claim

• Pet Insurance
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Enrollment
• Evidence of Insurability
• Cost of Coverage
• When Coverage Starts
• Changing Coverage
• When Coverage Ends
• How the Plan Works
• Covered Services
• Superior and Standard Options for Cats and Dogs
• Avian Option for Birds
• Exotic Pet Option
• Additional Coverage
• Services Not Covered
• Filing a Claim
• Glossary

• Legal Assistance Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Family Eligibility
• Enrollment
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends
• How the Plan Works
• Coordination with Other Plans
• Covered Services
• Legal Forms
• Reimbursements
• Filing a Claim
• Detailed List of Covered Services
• Defining Covered Services
• Advice and Consultation
• Consumer Protection
• Debt Matters
• Defense of Civil Lawsuits
• Document Preparation
• Family Law
• Personal Injury
• Real Estate Matters
• Traffic and Criminal Matters
• Wills and Estate Planning
• Services Not Covered
• Finding an Attorney
• Attorney Credentials
• Already Working with an Attorney
• Glossary

• Identity Theft Plan
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Enrollment
• Cost of Coverage
• When Coverage Starts
• When Coverage Ends
• How the Plan Works
• Covered Services
• Detailed List of Covered Services
• Additional Services
• Services Not Covered
• Glossary

• Additional Benefits

• Alere
• The Program at a Glance
• Participating in the Program
• Eligible Employees
• Family and Household Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• How the Program Works
• Health Assessment
• Health Advisor Program
• Online Wellness Programs
• Health Improvement Programs
• Quit For LifeR Tobacco Cessation Program
• Condition Management Programs
• Gaps in Care
• Complete Confidentiality
• Glossary

• Best Doctors
• The Program at a Glance
• Participating in the Program
• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and End
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan
• How the Program Works
• Maximum
• Out-of-Area Care
• Emergency Care
• Complete Confidentiality
• Glossary

• Employee Assistance Program (EAP)
• The Program at a Glance
• Participating in the Program
• Eligible Employees
• Family and Household Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan
• How the Program Works
• Maximum
• Out-of-Area Care
• Emergency Care
• Legal Assistance
• Identity Theft Support
• Financial Services
• Complete Confidentiality
• Glossary

• HelloWallet
• HelloWallet at a Glance
• Participating in HelloWallet
• Eligible Employees
• When Coverage Starts and Ends
• Cost
• Converting to Direct Bill
• How HelloWallet Works
• Services Provided
• HelloWallet Access
• Complete Confidentiality
• Additional Information

• Health Advocate
• The Program at a Glance
• Participating in the Program
• Eligible Employees
• Family Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• COBRA Coverage
• Coordination with Medical Plan
• How the Program Works
• Services Provided
• Maximum
• Out-of-Area Care
• Emergency Care
• Complete Confidentiality
• Additional Information
• Glossary

• Family Resource Program
• The Program at a Glance
• Participating in the Program
• Eligible Employees
• Family Member and Household Member Eligibility
• When Coverage Starts and Ends
• Cost
• Converting to an Individual Policy
• How the Program Works
• Topics to Call About
• The Program Representative
• Referrals
• Glossary

• Matching Gifts
• The Program at a Glance
• Participating in the Program
• How the Program Works
• Application Process
• How do I submit a matching gift request?
• Status of Submitted Application
• Application Time Limits

• Transportation Reimbursement Incentive Program (TRIP)
• The Plan at a Glance
• Participating in the Plan
• Eligible Employees
• Enrollment
• Taxes
• Changing Coverage
• When Coverage Ends
• Special Notes
• How the Plan Works
• Elections
• Managing Your Elections
• Transit Passes and Parking
• Eligible Expenses
• Ineligible Expenses

• Administrative Information
• How the Benefits Handbook Is Used
• Administrative Details about the Plans
• Alere
• The Basic Life Insurance Plan
• The Basic Long Term Disability Plan
• Best Doctors Program
• The Business Travel Accident Insurance Plan
• The Comprehensive Medical Plan (CMP)
• The Consumer Directed Health Plan ("CDHP")
• Dental Plan
• The Dependent Care Flexible Spending Account Plan ("DCFSA")
• The Dependent Children Life Insurance Plan
• The Employee Assistance Program (EAP)
• The Employee-Funded Welfare Benefit Plan
• The Employer-Funded Welfare Benefit Plan
• The Exclusive Provider Organization Plan ("EPO")
• The Group Benefits Plan
• Hawaii - HMSA's Health Plan Hawaii Plus ("HMO")
• Hawaii - HMSA's Preferred Provider Plan ("PPP")
• The Health Advocate Program
• The Health Care Flexible Spending Account Plan ("HCFSA")
• The Health Savings Account ("HSA")
• The HelloWallet Program
• The Kaiser Foundation Health Plan, California - North & South ("HMO")
• The Legal Assistance Plan
• The Limited Purpose Health Care Flexible Spending Account Plan ("LPHCFSA")
• Long Term Care Insurance Plan
• Long Term Disability Bonus Income Plan
• The Mercer HR Services Retirement Plan
• The Marsh & McLennan Companies Retirement Plan
• The Optional Life Insurance Plan
• The Optional Long Term Disability Plan
• The Personal Accident Insurance Plan
• The Preferred Provider Organization Plan ("PPO")
• The Marsh & McLennan Companies 401(k) Savings & Investment Plan
• The MMA 401(k) Savings & Investment Plan
• The Short Term Disability Benefits Policy
• Spouse Life Insurance Plan
• The Vision Care Plan
• Other Administrative Details
• ERISA, and Your Rights under ERISA
• Your Rights under ERISA
• Prudent Actions by Plan Fiduciaries
• Enforce Your Rights
• Assistance with Your Questions
• Summary Plan Descriptions
• Annual Funding Notice and Summary Annual Reports
• Plan Summaries
• Official Plan Documents
• Plan Amendments
• Plan Termination
• Limits on Plan Amendments
• Claims, Reviews, and Appeals
• Authority over Benefit Determinations and Appeals
• Healthcare Plans and Healthcare Flexible Spending Accounts
• Dependent Care Flexible Spending Account Plan
• Disability Plans
• Life and Accident Insurance Plans
• Accident Insurance and Legal Assistance Plans
• Long Term Care Insurance Plan
• Retirement and Savings Plans
• Conversion Rights
• Non-Assignment of Benefits
• About Plan Coverage
• Healthcare Plans
• Healthcare Flexible Spending Accounts
• Dependent Care Flexible Spending Account
• Health Savings Account
• Other Important Information about the Plans

• Contact Information