Benefits Handbook

You can name anyone as your beneficiary, including a trust or an estate, or you can name multiple beneficiaries who will split the benefit. Enroll and name your beneficiary designation on the GVUL MetLife website, accessible from the Aptia365 Benefits Enrollment Website. Go to Colleague Connect (https://mmcglobal.sharepoint.com/sites/home), click Pay & Benefits and select Aptia365 Benefits Enrollment Website under Benefits. Click on the Enroll/Change/View GVUL Coverage link to be directed to the GVUL MetLife website.

You are automatically the beneficiary for the Spouse and Child Life Insurance coverage. If your spouse, domestic partner or covered child dies, you will receive the benefit.

The Plan also permits an absolute assignment to an individual or a trust. See "Assigning Your Benefit." It is important to have a current beneficiary designation on file with the Company at all times. If you have no surviving beneficiary, the benefit will be paid to your estate.

Name or change a beneficiary on the GVUL MetLife website, accessible from the Aptia365 Benefits Enrollment Website. Go to Colleague Connect (https://mmcglobal.sharepoint.com/sites/home), click Pay & Benefits and select Aptia365 Benefits Enrollment Website under Benefits. Click on the Enroll/Change/View GVUL Coverage link to be directed to the GVUL MetLife website. However, if an irrevocable or absolute assignment is completed, you cannot change your beneficiary under any circumstances.

If you don't name a beneficiary, or if your beneficiary isn't alive when you die, the benefit will be paid to your estate.

If you die at the same time as your spouse/domestic partner and/or child, your benefit will be determined based on the New York Estates, Powers & Trust Law governing multiple deaths, which generally provides that the benefit will be distributed as if you survived your beneficiary, if there is no sufficient evidence that your deaths were not simultaneous.