Benefits Handbook

This section of the Benefits Handbook summarizes the Marsh & McLennan Companies Retirement Plan. Benefit accruals were discontinued under the Plan effective December 31, 2016 and only employees who met the Plan's eligibility requirements before January 1, 2017 may be eligible for a retirement benefit provided they meet other Plan rules. See "Participating in the Plan."

It is organized to present you first with the Plan's general and most commonly applicable rules, such as eligibility, vesting and the Plan's benefit formula. Later subsections provide information about special rules that may apply to you, such as transition rules, transfer rules and preserved rights and features under plans of acquired employers.

As you read any subsection describing a general rule, please look for indications that special rule(s) may apply to your individual situation. If so, be sure to also read subsections that discuss those special rules.