Normal Commencement: If You Commence Once You Attain Age 65

Marsh & McLennan Companies Retirement Plan

Important Defined Benefit Plan Concepts

US Retirement Program

The Marsh & McLennan Companies Retirement Plan at-a-Glance

How to Use this Section of the Benefits Handbook

Participating in the Plan

How the Marsh & McLennan Companies Retirement Plan Works

When Benefits Commence

Timing of Small Benefit Payments

Normal Commencement: If You Commence Once You Attain Age 65

Early Commencement: If You Commence Before Age 65

Deferred Commencement: If You Commence After Age 65

How Benefits are Paid

Obtaining an Estimate

Commencing a Benefit

How Benefits are Taxed

In the Event of Divorce, Legal Separation or Child Support Order

Transfers From a Non-participating Company

Transfers to a Non-participating Company

If you Leave Marsh McLennan and are Rehired

Leave of Absence

Acquired Companies

Additional Information

MMC Benefits Handbook

Normal Commencement: If You Commence Once You Attain Age 65

If you commence on the first of the month coincident with or next following your 65th birthday, you are commencing on your Normal Retirement Date. You will receive monthly payments without an adjustment for early or deferred commencement as discussed in this subsection. Note that if you accrued benefits under a plan that was merged into the Marsh & McLennan Companies Retirement Plan, such as the JLT (USA) Employees' Retirement Plan, those benefits may have different rules regarding normal retirement date and commencement. If you have service with an acquired company, see "Acquired Companies" for details.

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