Available Benefit Plans

You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies employee or eligible MMA employee.

Dental Plan

You may elect coverage under the plan for you and your eligible family members.

Vision Plans

Vision Care Plan

You may elect coverage under the plan for you and your eligible family members.

Vision Discount Program

You will automatically be enrolled in the program on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies employee or eligible MMA employee.

Health Care Flexible Spending Account

You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.

Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.

Limited Purpose Health Care Flexible Spending Account

You have to participate in the Marsh & McLennan Companies Consumer Directed Health Plan and the Marsh & McLennan Companies Health Savings Account to enroll in this plan.

You are eligible to enroll:

within 30 calendar days of the date you become eligible

during Annual Enrollment.

You must enroll each plan year in order to participate in the Limited Purpose Health Care Flexible Spending Account.

You are eligible to participate in the Limited Purpose Health Care Flexible Spending Account if you meet the eligibility requirements described in the Participating in Spending Accounts section.

Note: If your spouse is enrolled in a traditional health care flexible spending account or non-high-deductible health plan, you will not be eligible to contribute to this plan or the Marsh & McLennan Companies Health Savings Account. If you are covered by a traditional health care flexible spending account, including either the Marsh & McLennan Companies Health Care Flexible Spending Account or another health care flexible spending account (e.g., through your spouse or another job), you will not be eligible to participate in this plan.

When you first enroll as a newly eligible employee or as a result of a qualified family status change, deductions will begin in the next available pay period after your enrollment is processed.

If you enroll during the Annual Enrollment period, your contributions will begin with the first paycheck of the new plan year.

Dependent Care Flexible Spending Account

You must enroll within 30 calendar days of your eligibility date. Once you enroll, your coverage is effective on your first day of eligibility.

Deductions will begin with the first available pay cycle after you make your election and will be prorated over the remaining payroll periods in the calendar year.

Health Savings Account

You must enroll (subject to eligibility requirements):

within 30 calendar days of the date you become eligible to participate,

anytime during the plan year if you are enrolled in the Marsh & McLennan Companies Consumer Directed Health Plan,

during the Annual Enrollment period, or

within 30 calendar days of a qualifying change in family status that makes you eligible to enroll.

You must enroll each plan year in order to participate in the Health Savings Account.

Enrollment procedures are described in the Participating in Spending Accounts section.

Deductions will begin:

the first of the month coincident with or following your eligibility date as long as you are actively employed. Your contributions will be prorated based on the number of full months remaining in the calendar year and your level of coverage under the Marsh & McLennan Companies Consumer Directed Health Plan.

January 1 if you enroll during the Annual Enrollment period (delayed until the first pay check after April 1 if you participated in a traditional Health Care Flexible Spending Account in the prior year.)

Business Travel Accident Insurance

You will automatically be enrolled on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies employee or eligible MMA employee.

Personal Accident Insurance

You must enroll within 30 calendar days of your start date. Once you enroll, your coverage will start the day after your saved election in the Company's enrollment system, as long as you are actively at work if you are a Marsh & McLennan Companies employee or eligible MMA employee.

Life Insurance Plans

Basic Life Insurance (Company-paid)

You will automatically be enrolled on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies employee or eligible MMA employee.

Optional Life Insurance (Employee-paid)

You can enroll at any time, but Evidence of Insurability is required if you enroll after 30 calendar days from your eligibility date or if you elect a level of coverage greater than $1.2 million.

Once you enroll, your coverage is effective on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies employee or eligible MMA employee.

Family Member Life Insurance Plans

You can enroll at any time, but Evidence of Insurability is required if you enroll after 30 calendar days from your eligibility date or if you elect a level of coverage greater than $25,000 for Spouse Life Insurance.

You can choose the following coverage for your eligible family members:

Spouse Life Insurance

Dependent Children Life Insurance

Once you enroll, your coverage is effective on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies employee or eligible MMA employee.

Personal Life Insurance

You can enroll at anytime, but Evidence of Insurability is required if you enroll after 30 calendar days from your eligibility date.

Once you enroll, your coverage is effective on the date you complete the application and the Salary Deduction Authorization form.

Disability Plans

Short Term Disability (Company-paid)

You will automatically be enrolled on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies employee.

Basic Long Term Disability (Company-paid)

You will automatically be enrolled on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies, MMA Corporate, the MMA Anchorage office employee.

Optional Long Term Disability (Employee-paid)

You can enroll at any time, but Evidence of Insurability is required if you enroll after 30 calendar days from your eligibility date.

Once you enroll, your coverage is effective on your first day of eligibility when you are actively at work if you are a Marsh & McLennan Companies, MMA Corporate, the MMA Anchorage office employee.

Long Term Disability Bonus Income Plan (Employee-paid)

This plan is offered each July 1 to certain employees in receipt of bonus income.

Group Umbrella Liability Insurance Plan

You enroll for coverage by accessing PeopleLink.

Marsh & McLennan Companies 401(k) Savings & Investment Plan

You are eligible to participate immediately if you are classified as a U.S. regular or temporary employee (including U.S. expatriates) of the Company* or any of its subsidiaries, are paid on a U.S. payroll and are at least age 18 years of age. Your election will be effective in the next available pay cycle.

To enroll go online to PeopleLink (www.mmcpeoplelink.com), click MMC 401(k) Plan via the Finances tab and from the right navigation bar, select Enroll, view, change benefits under Take Action or call the Employee Service Center at +1 866 374 2662.

You must make the elections 11 business days (if you are on the semi-monthly payroll) or 5 business days (if you are on the weekly payroll) prior to the paycheck in which you wish the enrollment to be reflected.

*"Company" means Marsh & McLennan Companies, Inc. and its subsidiaries other than Marsh & McLennan Agency LLC.

Supplemental Savings & Investment Plan

You are eligible to participate if:

you are classified as a U.S. regular or temporary employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than CS STARS, LLC formerly Corporate Systems, Inc. or Marsh & McLennan Agency LLC), including any subsidiaries or successors in interest,

your annual base pay exceeds the Compensation Limit, and

you are a participant in the Marsh & McLennan Companies 401(k) Savings & Investment Plan.

If eligible, you must enroll during the Annual Enrollment period for participation effective in the following calendar year.

To enroll go online to PeopleLink (www.mmcpeoplelink.com), click MMC Supplemental Savings Plan via the Finances tab and from the right navigation bar, select Enroll, view, change benefits under Take Action or call the Employee Service Center at +1 866 374 2662.

Stock Purchase Plan

You are eligible to participate in the Plan on the first business day of October 1 if you are classified on payroll as a U.S. (regular or temporary) employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies provided that you:

began working for the Company on or before the preceding April 30 or were otherwise credited with six months of service (which may include service with a business prior to its acquisition by the Company) by the CEO or the highest ranking Human Resources officer, and

are scheduled to work at least 20 hours a week.

If you are rehired and you had at least six months of service when you left the Company, you may be eligible to participate at the start of the next plan year, which begins on the first business day of October, without any prior waiting period. If you do not have a total of six months of service by the first business day of October, you must wait until the next plan year to participate.

You may enroll in the plan during Annual Enrollment (generally in early September) by accessing PeopleLink's Employee Self Service and clicking on the Stock Purchase Plan link.

U.S. Retirement Program

You are eligible to participate if you are at least age 21 and have one year of vesting service.

You are automatically enrolled in the Marsh & McLennan Companies Retirement Plan.

Transportation Reimbursement Incentive Program (TRIP)

You enroll for coverage by contacting WageWorks.

Long Term Care Insurance Plan

You may get coverage under the plan for you and your eligible family members.

Also, you must:

provide Evidence of Insurability if you enroll more than 90 days after your first day of eligibility, and

always provide Evidence of Insurability for your family members who enroll.

Once you enroll, your coverage will start on the first of the month following acceptance by MetLife.

Choice Auto and Home Insurance Program

Your coverage begins when your application for coverage has been approved by the program's insurer.

You enroll for coverage by contacting Marsh US Consumer at +1 800 225 2265.

Pet Insurance Plan

You may enroll your pet for pet insurance at any time by accessing VPI's enrollment website, www.petinsurance.com/affiliates/mmc_pr, or by calling VPI at +1 800 225 2265.

Evidence of insurability may be required for each pet (cat, dog, bird and/or exotic pet).

Legal Assistance Plan

You can enroll for Legal Assistance Plan coverage by accessing PeopleLink (www.mmcpeoplelink.com).

You must enroll within 30 calendar days of the date you become eligible or during Annual Enrollment.

Identity Theft Plan

You can enroll for coverage for yourself and your approved spouse or domestic partner in the Identity Theft Plan at any time during the year.

Make an initial election by accessing PeopleLink.