Beneficiary If I Die Before Benefits Commence
If you are not married and do not have a domestic partner, are married for fewer than twelve consecutive months at the time of your death, have a partner but do not meet the Domestic Partner requirements as defined by the Plan or are not vested in the Plan, the Plan does not pay a benefit upon your death.
If you are vested in the Marsh & McLennan Companies Retirement Plan but die while actively employed or terminate and die before your benefit begins, a benefit is paid to your surviving spouse or surviving Domestic Partner. Your surviving spouse is your legal spouse who is of opposite sex, to whom you have been married for at least twelve consecutive months at the time of your death.
Employees who contributed to the Sedgwick Retirement Plan (which was merged into the Marsh & McLennan Companies Retirement Plan on January 1, 2000) may have a beneficiary on file to receive a refund of their contributions plus interest in the event they die before benefits commence and have not been married for at least one year at the time of death. This beneficiary election may be updated at any time.