Plans That May Pay Survivor Benefits

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	Life Events

	Adding a Domestic Partner

	Child No Longer Eligible for Benefits

	Death of a Child

	Death of a Spouse

	Death of an Employee

		Plans That May Pay Survivor Benefits

		Plans That Do Not Pay Survivor Benefits

		Special Death Benefit

		Beneficiary Elections

		Contact

	Getting Divorced

	Getting Legally Separated

	Getting Married

	Having a Baby / Adopting a Child

	Spouse Gets a Job

	Spouse Leaves a Job

	Termination of a Domestic Partnership

Plans That May Pay Survivor Benefits

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 two certified death certificates to the MMC Employee Service Center in order for claims processing to begin.

Business Travel Accident Insurance Plan

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.

Personal Accident Insurance Plan

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 Personal Life Insurance will be paid to your Estate.

Life Insurance Plans

Basic and Optional Life Insurance Plans

After your death, your Basic Life Insurance and Optional 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.

Personal Life Insurance Plan

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 Marsh Voluntary Benefits at 1-800-225-2265, an MMC Company formerly know as Marsh @WorkSolutions for details on how to submit a Personal Life Insurance claim.

401(k) Savings & Investment Plan

After your death, your account is payable as follows:

if you are not married and have a completed "401(k) Savings & Investment Plan Beneficiary Designation Form" on file, your account will be paid to your named beneficiary

if you are not married and do not have a completed "401(k) Savings & Investment Plan Beneficiary Designation Form" on file, your account will be paid to your Estate

if you are married, your account will be paid to your spouse unless you have a valid "401(k) Savings & Investment Plan Beneficiary Designation Form" on file, naming someone other than your spouse as beneficiary. The Beneficiary Designation Form will only be valid if the Spouse's Waiver Section is completed, signed and notarized.

Note: Domestic partners do not qualify as spouses.

Supplemental Savings & Investment Plan

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

if you are not married and have a completed "Supplemental Savings & Investment Plan Beneficiary Designation Form" on file, your account will be paid to your named beneficiary

if you are not married and do not have a completed "Supplemental Savings & Investment Plan Beneficiary Designation Form" on file, your account will be paid to your Estate

if you are married and do not have a completed "Supplemental Savings & Investment Plan Beneficiary Designation Form" on file, your account will be paid to your spouse.

Mercer HR Services Retirement Plan

if you are not married and have a completed "Mercer HR Services Retirement Plan Beneficiary Designation Form" on file, your account will be paid to your named beneficiary

if you are not married and do not have a completed "Mercer HR Services Retirement Plan Beneficiary Designation Form" on file, your account will be paid to your Estate

if you are married, your account will be paid to your spouse unless you have a valid "Mercer HR Services Retirement Plan Beneficiary Designation Form" on file, naming someone other than your spouse as beneficiary. The Beneficiary Designation Form will only be valid if the Spouse's Waiver Section is completed, signed and notarized

Stock Purchase Plan

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.

Retirement Program

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.