Benefits Handbook

For questions not answered in this handbook, or to follow up on a claim, learn more about a network, etc., please use the contact information below.

For questions about… Claims Administrator Aetna
P.O. Box 981106
El Paso, TX 79998-1106
Phone: +1 866 210 7858 Group #: 868802 (Be sure to check your claim form or instructions for the address of the claims processing office.) Pharmacy Benefits Manager CVS Caremark
One CVS Drive Woonsocket, RI 02895
Phone: +1 844 449 0362 Group #: 21CW Prescription Drug Programs: Anthem BlueCross BlueShield Claims Administrator

Anthem BlueCross BlueShield
P.O. Box 105187
Atlanta, GA 30348-5187
Phone: +1 855 570 1150
Website: www.anthem.com

Group #: 270146 (Be sure to check your claim form or instructions for the address of the claims processing office.) Pharmacy Benefits Manager CVS Caremark
One CVS Drive Woonsocket, RI 02895
Phone: +1 844 449 0362 Group #: 21CW Prescription Drug Programs: Claims Administrator Kaiser Permanente – Northern CA Kaiser Foundation Health Plan, Inc.
P.O. Box 12923
Oakland, CA 94612 Phone: +1 800 464 4000 Northern California Group #: 604494 Kaiser Permanente –Southern CA Kaiser Foundation Health Plan, Inc.
P.O. Box 7004
Downey, CA 90242-0361 Phone: +1 800 464 4000 Southern California Group #: 232189 Kaiser Permanente - CO Kaiser Foundation Health Plan of Colorado
P.O. Box 373150
Denver, CO 80237-9998 Phone: +1 800 632 9700 Colorado Group #: 35660 Kaiser Permanente - GA Kaiser Permanente
P.O. Box 370010
Denver, CO 80237-9998 Phone: +1 888 865 5813 Georgia Group #: 10165 Kaiser Permanente – MAS (Virginia/Maryland/Washington D.C.) Kaiser Permanente
P.O. Box 371860
Denver, CO 80237-9998 Phone: +1 800 777 7902 Virginia/Maryland/Washington D.C. Group #: 23042 Kaiser Permanente – NW (Oregon and Southwest Washington) Kaiser Foundation Health Plan of the Northwest
Kaiser Permanente Claims Administration P.O. Box 370050
Denver, CO 80237-9998 Phone: +1 800 813 2000 Oregon and Southwest Washington Group #: 19847 Kaiser Permanente – Washington (Western Washington and Spokane area) Kaiser Foundation Health Plan of the Washington
Kaiser Permanente Claims Administration P.O. Box 30766
Salt Lake City, UT 84130-0766 Phone: +1 888 901 4636 Washington Group #: 25988 HMSA's Health Plan Hawaii Plus HMO Claims Administrator HMSA
P.O. Box 860
Honolulu, HI 96808-0860
Phone: +1 808 948 6372
Website: www.hmsa.com Group #: 96770-1 and 96770-3 (COBRA) (Be sure to check your claim form or instructions for the address of the claims processing office.) HMSA's Preferred Provider Plan Claims Administrator HMSA
P.O. Box 860
Honolulu, HI 96808-0860
Phone: +1 808 948 6111
Website: www.hmsa.com Group #: 96770-1 and 96770-3 (COBRA) (Be sure to check your claim form or instructions for the address of the claims processing office.) Claims Administrator Surest
P.O. Box 211758
Eagan, MN 55121
Phone: +1 866 683 6440 Website: Benefits.Surest.com Group #: 78800361 Pharmacy Benefits Manager CVS Caremark
One CVS Drive Woonsocket, RI 02895
Phone: +1 844 449 0362 Group #: 21CW Prescription Drug Programs: My Benefits Service Center COBRA Administrator For election forms and premium payments: My Benefits Service Center
P.O. Box 2672
Omaha, NE 68108-2672 For all other correspondence: My Benefits Service Center
P.O. Box 350
Conshohocken, PA 19428 Phone: +1 866 324 4087, any business day, 8:30 a.m. to 5:30 p.m., Eastern time. Retiree Medical Billing Administrator

My Benefits Service Center
Phone: +1 866 324 4087, any business day, 8:30 a.m. to 5:30 p.m., Eastern time.

Dental Plan Claims Administrator

Metropolitan Life Insurance Company (MetLife)
One Madison Avenue
New York, NY 10010
Phone: +1 800 942 0854

Website: www.metlife.com/mybenefits (enter "Marsh McLennan" in the account sign in box to enter your company name)

Standard Group #: 0313066 Premier Group#: 0313065 Vision Care Plan Claims Administrator Phone: +1 800 877 7195 Group #: 40153086 Spending Accounts Dependent Care Flexible Savings Account Claims Administrator

Spending Account Service Center
P.O. Box 350
Conshohocken, PA 19428
Phone: +1 866 324 4087
Fax: +1 888 788 1928

Group #: 36-2668272 Health Care Flexible Savings Account Claims Administrator Spending Account Service Center
P.O. Box 350 Conshohocken, PA 19428
Phone: +1 866 324 4087
Fax: +1 888 788 1928 Group #: 36-2668272 Health Savings Account (HSA) Claims Administrator Spending Account Service Center
P.O. Box 350 Conshohocken, PA 19428
Phone: +1 866 324 4087
Fax: +1 888 788 1928 Group #: 36-2668272 Limited Purpose Health Care Flexible Savings Account Claims Administrator Spending Account Service Center
P.O. Box 350 Conshohocken, PA 19428
Phone: +1 866 324 4087
Fax: +1 888 788 1928 Group #: 36-2668272 Basic Life Insurance Plan Claims Administrator Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166 Group #: 1098400 (Be sure to check your claim form for the address of the claims processing office.) For general information: HR Services
Phone: +1 866 374 2662, any business day, 8 a.m. to 8 p.m., Eastern time. For filing a claim: Metropolitan Life Insurance Company
Group Life Claims
P.O. Box 3016
Utica, NY 13504 For appealing a claim: Metropolitan Life Insurance Company
Group Life Claims
P.O. Box 3016
Utica, NY 13504 For converting your coverage: Metropolitan Life Insurance Company
Phone: +1 877 275 6387 Business Travel Accident Insurance Plan Claims Administrator National Union Fire Insurance Company of Pittsburgh, Pa (National Union), an AIG Company

P.O. Box 25987
Shawnee Mission, KS 66225
Phone: +1 800 551 0824 or +1 913 495 6520
Policy Number: MTA 9160537

For filing a claim: National Union Fire Insurance Company of Pittsburgh, Pa (National Union), an AIG Company

A&H Claims Division
P.O. Box 25987
Shawnee Mission, KS 66225
Phone: +1 800 551 0824 or +1 913 495 6520

Fax: +1 866 893 8574 For appealing a claim National Union Fire Insurance Company of Pittsburgh, Pa (National Union), an AIG Company

A&H Claims Division
P.O. Box 25987
Shawnee Mission, KS 66225
Phone: +1 800 551 0824 or +1 913 495 6520

Fax: +1 866 893 8574 Group Variable Universal Life Insurance Plan (GVUL) Claims Administrator Metropolitan Life Insurance Company
13045 Tesson Ferry Road
Mail Code A2-10
St Louis, MO 63128 Group #: 0105231 For general information: Mercer Voluntary Benefits (provided by Mercer Health & Benefits Administration)

Phone: +1 800 225 2265, any business day, 8 a.m. to 9 p.m. and Saturdays 8 a.m. to 2 p.m. Eastern time. [You will be transferred to a MetLife GVUL Customer Service Representative.]

Enter "Marsh McLennan GVUL." in the Account Sign in box.
For filing a claim: Metropolitan Life Insurance Company
13045 Tesson Ferry Road
Mail Code A2-10
St Louis, MO 63128 For appealing a claim: Metropolitan Life Insurance Company
13045 Tesson Ferry Road
Mail Code A2-10
St Louis, MO 63128 For converting your coverage: Mercer Voluntary Benefits (provided by Mercer Health & Benefits Administration)

Phone: +1 800 225 2265, any business day, 8 a.m. to 9 p.m. and Saturdays 8 a.m. to 2 p.m. Eastern time. [You will be transferred to a MetLife GVUL Customer Service Representative.]
Website: www.metlife.com/metlife-advice

Personal Excess Liability Insurance Plan Claims Administrator Chubb Insurance Company Group #: GPE-157342816 For general information:

Mercer Voluntary Benefits (provided by Mercer Health & Benefits Administration)
Phone: +1 800 225 2265, any business day, 8 a.m. to 9 p.m. and Saturdays 8 a.m. to 2 p.m. Eastern time.

Voluntary AD&D Plan Claims Administrator

National Union Fire Insurance Company of Pittsburg, Pa (National Union), an AIG Company
P.O. Box 25987
Shawnee Mission, KS 66225

Phone: +1 800 551 0824 or +1 913 495 6520 Active Group #: PAI 0009131403-B Retired Group #: PAI 0009132260-B (Be sure to check your claim form for the address of the claims processing office.) For filing a claim: National Union Fire Insurance Company of Pittsburg, Pa (National Union), an AIG Company AIG
A&H Claims Division P.O. Box 25987
Shawnee Mission, KS 66225
Phone: +1 800 551 0824 or +1 913 495 6520 For appealing a claim: National Union Fire Insurance Company of Pittsburg, Pa (National Union), an AIG Company AIG
A&H Claims Division P.O. Box 25987
Shawnee Mission, KS 66225
Phone: +1 800 551 0824 or +1 913 495 6520 For converting your coverage: AIG – American Home Assurance Company

c/o Reuben Warner Associates
1655 Richmond Avenue
Staten Island, New York 10312
Phone: +1 800 421 3005

Fax: +1 718 477 7366 Basic Long Term Disability Claims Administrator The Hartford Life and Accident Insurance Company
P.O. Box 14306
Lexington, KY 40512-4306 Phone: +1 866 432 6727
Fax: +1 866 411 5613 Policy #: GLT-342134 For filing an appeal: The Hartford Life and Accident Insurance Company Appeals Unit
P.O. Box 14087
Lexington, KY 40512-4087 Fax: +1 855 339 7249 Long Term Disability Bonus Income Plan Claims Administrator The Hartford Life and Accident Insurance Company
P.O. Box 14306
Lexington, KY 40512-4306 Phone: +1 866 432 6727
Fax: +1 866 411 5613 Policy #: GLT-204034 For filing an appeal: The Hartford Life and Accident Insurance Company Appeals Unit
P.O. Box 14087
Lexington, KY 40512-4087 Fax: +1 855 339 7249 Optional Long Term Disability Claims Administrator The Hartford Life and Accident Insurance Company
P.O. Box 14306
Lexington, KY 40512-4306 Phone: +1 866 432 6727
Fax: +1 866 411 5613 Policy #: GLT-342135 For filing an appeal: The Hartford Life and Accident Insurance Company Appeals Unit
P.O. Box 14087
Lexington, KY 40512-4087 Fax: +1 855 339 7249 Short Term Disability Claims Administrator The Hartford Life and Accident Insurance Company HR Services
(Leave Management Team)
+1 866 374 2662 Individual Disability Insurance Claims Administrator Unum Group The Benefits Center P.O. Box 100262 Columbia, SC 29202-3262 Phone: +1 888 226 7959 (Monday – Friday, 8:00 am to 8:00 pm ET) Fax: +1 866 562 4794 For filing an appeal: Unum Group The Appeals Unit PO Box 15112 Worcester, MA 01615-0112 Fax: +1 866 562 4794 Investment and Savings Employee Stock Purchase Plan

For more information after stock is purchased, contact the Plan's service provider, Fidelity Investments:

Attn: Employee Stock Plan Services
100 Howe Drive Mailzone HSGD
Covington, KY 41015
Website: www.netbenefits.com

Stock Plan Services: +1 800 544 9354
TDD/Hearing Impaired: +1 800 610 4015
Outside the United States:

Stock Plans Services International: Fidelity.com/globalcall Benefit Equalization Plan Plan Administrator – Benefit Equalization Plan
c/o Global Benefits Department, 31 st Floor Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 For appealing a claim: Plan Administrator – Benefit Equalization Plan
c/o Global Benefits Department, 31 st Floor Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 Marsh & McLennan Companies Retirement Plan For filing a claim:

Plan Administrator – Marsh & McLennan Companies Retirement Plan
c/o Global Benefits Department, 31 st Floor

Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 For appealing a claim:

Plan Administrator – Marsh & McLennan Companies Retirement Plan
c/o Global Benefits Department, 31 st Floor

Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 Marsh & McLennan Companies 401(k) Savings & Investment Plan For filing a claim:

Plan Administrator – Marsh & McLennan Companies 401(k) Savings & Investment Plan
c/o Global Benefits Department, 31 st Floor

Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 For appealing a claim:

Plan Administrator – Marsh & McLennan Companies 401(k) Savings & Investment Plan
c/o Global Benefits Department, 31 st Floor

Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 MMA 401(k) Savings & Investment Plan For filing a claim:

Plan Administrator – MMA 401(k) Savings & Investment Plan
c/o Global Benefits Department, 31 st Floor

Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 For appealing a claim:

Plan Administrator – MMA 401(k) Savings & Investment Plan
c/o Global Benefits Department, 31 st Floor

Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 Supplemental Savings & Investment Plan For filing a claim: Plan Administrator – Supplemental Savings & Investment Plan

c/o Global Benefits Department, 31 st Floor
Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036

For appealing a claim:

Plan Administrator – Supplemental Savings & Investment Plan
c/o Global Benefits Department, 31 st Floor
Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036

Supplemental Retirement Plan Plan Administrator – Supplemental Retirement Plan
c/o Global Benefits Department, 31 st Floor Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036 For appealing a claim:

Plan Administrator – Supplemental Plan
c/o Global Benefits Department, 31 st Floor
Marsh McLennan
1166 Avenue of the Americas
New York, NY 10036

Voluntary Offerings Accident Insurance Claims Administrator Metropolitan Life Insurance Company
P.O. Box 80826
Lincoln, NE 68501-0826 Phone: +1 800 GET MET8 (+1 800 438 6388)
Website: https://www.metlife.com/info/mmc Choice Auto and Home Insurance Program To receive a quote, apply for coverage, or ask questions: Mercer Voluntary Benefits (provided by Mercer Health & Benefits Administration)

Phone: +1 800 225 2265, any business day, 8 a.m. to 9 p.m. and Saturdays 8 a.m. to 2 p.m. Eastern time.

Critical Illness Claims Administrator Metropolitan Life Insurance Company
P.O. Box 80826
Lincoln, NE 68501-0826 Phone: +1 800 GET MET8 (+1 800 438 6388)
Website: https://www.metlife.com/info/mmc Hospital Indemnity Claims Administrator Metropolitan Life Insurance Company
P.O. Box 80826
Lincoln, NE 68501-0826 Phone: +1 800 GET MET8 (+1 800 438 6388)
Website: https://www.metlife.com/info/mmc Identity Protection Benefit Program Allstate Identity Protection
7350 N Dobson Rd
Suite 101
Scottsdale, AZ 85256 Mercer Voluntary Benefits (provided by Mercer Health & Benefits Administration)

Phone: +1 800 225 2265, any business day, 8 a.m. to 9 p.m. and Saturdays 8 a.m. to 2 p.m. Eastern time.

Legal Assistance Plan Claims Administrator

MetLife Legal Plans
1111 Superior Avenue
Cleveland, OH 44114-2507
Phone: +1 800 535 4137
Website: www.mmcvoluntarybenefits.com

Group #: 130

(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.)