Benefits Handbook

Your or your spouse/domestic partner's participation in the RRA Plan begins on the first of the month in which you satisfy the eligibility requirements.

No, the Company does not offer retiree healthcare coverage for Medicare-eligible former employees and their eligible family members. When you or an eligible family member reach age 65 or become eligible for Medicare, you and/or your eligible family member(s) may obtain individual healthcare insurance coverage in any manner you or they choose. One (but not the only) individual healthcare insurance coverage option is through Mercer Marketplace Retiree, a Mercer Marketplace company, which is a business unit of Mercer (US), Inc., a wholly owned subsidiary of the Company. Mercer Marketplace Retiree will mail information directly to your primary address on file about the individual healthcare insurance options made directly available to you through the Mercer Marketplace Retiree. The Company does not sponsor or endorse the Mercer Marketplace Retiree or any of the individual healthcare insurance coverage options available through the Mercer Marketplace Retiree. The Company's sole function with respect to the Mercer Marketplace Retiree is to make you aware of it.

If you meet the eligibility criteria listed in items 3, 4 and 5 above and your spouse or domestic partner meets the eligibility criteria listed in items 1 and 2 above, your spouse or domestic partner may be eligible to receive an RRA credit. See the table in "How the RRA Plan Works."

Under current tax laws, the Company's cost for providing the RRA to domestic partners may result in "imputed income" to you, and you must pay tax on this income. The Company will provide you with the appropriate tax forms indicating the amount of any imputed income. It is your responsibility to file your tax return accordingly.

Any non-Medicare eligible participant or non-Medicare eligible family member can elect Pre-65 Retiree Medical Coverage, provided they meet the eligibility requirements for Pre-65 Retiree Medical Coverage.

Yes. Your spouse/domestic partner can continue participation and, if eligible, continue to receive credits to his or her RRA following your death based on the terms of the RRA Plan at that time.

Your eligible spouse/domestic partner is your spouse/domestic partner at the time of your initial enrollment. No future spouse/domestic partner will be eligible to participate in the RRA.

Yes. Based on the terms of the RRA Plan at that time, your spouse/domestic partner can continue participation and, if eligible, continue to receive credits to his or her RRA for up to 37 months of coverage.

No. A separate RRA is established for you and/or your spouse/domestic partner, if eligible. After your spouse/domestic partner's death you do not receive additional credits to your RRA that were attributable to your former spouse/domestic partner's RRA.

You must call Mercer Marketplace Retiree at +1 800 553 4958 to report your divorce/dissolution of partnership.