MMC Benefits Handbook
Making Changes to Benefits
You can make changes to your benefit plans by going to Colleague Connect (https://colleagueconnect.mmc.com).
Medical Plan
You must remove your spouse from coverage.
In addition, you may make the following changes:
  • enroll,
  • add your eligible children to your coverage.
This is a HIPAA special enrollment event if you or your eligible children lost coverage due to your spouse's death.
Changes to this plan must be made within 60 calendar days of your spouse's death.
See "Enrollment Changes" under the Pre-65 Retiree Medical Eligibility section for changes to your under age 65 retiree medical coverage.
Dental Plan
You must remove your spouse from your coverage.
In addition, you may make the following changes:
  • enroll,
  • add your eligible children to your coverage.
Changes to this plan must be made within 30 calendar days of your spouse's death.
Vision Care Plan
You must remove your spouse from your coverage.
In addition, you may make the following changes:
  • enroll,
  • add your eligible children to your coverage.
Changes to this plan must be made within 30 calendar days of your spouse's death.
Health Care Flexible Spending Account Plan
You may make the following changes:
  • enroll,
  • increase your contribution amount for the year,
  • decrease your contribution as long as you do not decrease them below what has already been paid out of your account for the year.
Changes to this plan must be made within 30 calendar days of your spouse's death.
Only claims incurred on or after the effective date of the qualified family status change will be eligible for reimbursement of the increased amount.
Dependent Care Flexible Spending Account Plan
You may make the following changes:
  • enroll,
  • increase your contribution amount for the year,
  • stop future contributions for the remainder of the year, or
  • decrease your contributions.
Changes to this plan must be made within 30 calendar days of your spouse's death.
Only claims incurred on or after the effective date of the qualified family status change will be eligible for reimbursement of the increased amount.
Voluntary AD&D Plan
You must remove your spouse from coverage.
You may also make the following change:
  • increase or decrease your level and amount of coverage.
Changes to this plan must be made within 30 calendar days of your spouse's death.
Group Variable Universal Life
You must make the following change:
  • cancel your spouse coverage.
Changes to this plan must be made within 31 calendar days of your spouse's death.
Other Insurances
Coverage will end when your spouse no longer meets the eligibility requirements under the terms of the applicable plan.
If your spouse no longer meets the eligibility requirements, you must remove your spouse from coverage by going to Colleague Connect (https://colleagueconnect.mmc.com).
Refer to the individual benefit plan sections for further information about removing a spouse.
Legal Assistance Plan
Coverage will end when your spouse no longer meets the eligibility requirements under the terms of the plan.
Identity Protection Benefit Program
Coverage will end when your spouse no longer meets the eligibility requirements under the terms of the plan.
Accident Insurance
You must remove your spouse from coverage.
In addition, you may make the following changes:
  • enroll, or
  • add your eligible children to your coverage.
Changes to this plan must be made within 30 calendar days of your spouse's death.
Critical Illness
You must remove your spouse from coverage.
In addition, you may make the following changes:
  • enroll, or
  • add your eligible children to your coverage.
Changes to this plan must be made within 30 calendar days of your spouse's death.
Hospital Indemnity
You must remove your spouse from coverage.
In addition, you may make the following changes:
  • enroll, or
  • add your eligible children to your coverage.
Changes to this plan must be made within 30 calendar days of your spouse's death.