Benefits Handbook

Your beneficiary should contact your Human Resources Representative to notify the Company of your death and initiate any claims processing.

Your beneficiary will need to submit one certified death certificate to HR Services in order for claims processing to begin.

If you die as the result of an accident that happens while you are on a Company-approved business trip, including travel to and from work, your beneficiary will receive a benefit.

If you do not have a designated beneficiary on file, your Business Travel Accident Insurance will be paid to your estate.

If you die as a result of a covered accident, your beneficiary will receive the amount of insurance you elected.

If you do not have a designated beneficiary on file, your Voluntary AD&D Insurance will be paid to your estate.

After your death, your Basic Life Insurance and Group Variable Universal Life Insurance (if any) will be paid to your designated beneficiary (or beneficiaries if you elected more than one). If you do not have a designated beneficiary on file, your Life Insurance will be paid to your estate.

After your death, your Personal Life Insurance will be paid to your designated beneficiary (or beneficiaries if you elected more than one). If you do not have a designated beneficiary on file, your Personal Life Insurance will be paid to your estate.

Your beneficiary should contact Mercer Health & Benefits Administration at +1 800 225 2265, for details on how to submit a Personal Life Insurance claim.

After your death, your account is payable as follows:

Note: Domestic partners do not qualify as spouses.

After your death, your account balance is payable according to the distribution election form on file for at least 12 months.

Your estate will receive a refund of your plan year contributions and interest paid up to the date of your death. Your estate's representative can contact the plan's recordkeeper for shares you purchased through prior plan years that are held in a book entry account with the plan's service provider.

If are a vested participant at the time of your death, your spouse to whom you have been married for at least one year will be eligible to receive a benefit.

If you die prior to age 50, the benefit can be paid as early as the date you would have attained age 55.

If you die at age 50 or over, your spouse will begin to receive a benefit immediately.

Note: The US Retirement Program provides survivor benefits to qualified domestic partners. See "Eligible Survivor" in the Marsh & McLennan Companies Retirement Plan , Benefit Equalization Plan and Supplemental Retirement Plan sections of the Benefits Handbook for specific domestic partner plan details.