MMC Benefits Handbook
Plans That Do Not Pay Survivor Benefits
Coverage under certain plans will also end for your eligible family members. Coverage for your eligible family members who had previously been covered under a Company medical and/or dental plan may continue for up to 36 months, under COBRA.
Medical Plan
After your death, although not required by law, as a special benefit, the Company will contribute towards the monthly cost of COBRA coverage for your eligible family members who had previously been covered under Company medical coverage during the first 12 months of the COBRA period, provided they pay the required employee level contributions. After the first 12 months, your eligible family members can continue COBRA coverage for the remaining COBRA period, for up to an additional 24 months, by paying the full group rate, plus an additional two percent for administrative expenses.
Dental Plan
After your death, although not required by law, as a special benefit, the Company will contribute towards the monthly cost of COBRA coverage for your eligible family members who had previously been covered under Company dental coverage during the first 12 months of the COBRA period, provided they pay the required employee level contributions. After the first 12 months, your eligible family members can continue COBRA coverage for the remaining COBRA period, up to an additional 24 months, by paying the full group rate, plus an additional two percent for administrative expenses.
Vision Care Plan
Coverage for your eligible family members ends on your date of death. Your eligible family members can continue coverage through COBRA for up to 36 months.
Health Care Flexible Spending Account Plan
After your death, your eligible family members may be reimbursed for eligible health care expenses that may have been incurred through your date of death, up to your elected annual contribution amount (less any reimbursement amounts already received).
Your qualified beneficiary may then elect to continue participation through the end of the calendar year, on an after-tax basis, through COBRA.
Dependent Care Flexible Spending Account Plan
After your death, your spouse may be reimbursed for eligible dependent care expenses through the end of the calendar year, up to the remaining balance in your account.
Voluntary AD&D Plan
Coverage for your eligible family members ends on your date of death. Your eligible family members may be able to convert coverage to an individual policy within 31 days of termination of coverage.
Life Insurance Plans
Coverage for your eligible family members ends on your date of death. Your eligible family members may be able to convert coverage to an individual policy within 31 days of termination of coverage.
Group Variable Universal Life Insurance Plan
After your death, we may determine the beneficiary to be one or more of the following who survive you, in the order listed below:
  • Your Spouse or Domestic Partner;
  • Your child(ren);
  • Your parent(s); or
  • Your sibling(s).
Legal Assistance Plan
Coverage ends on the date of your death.
Identity Protection Benefit Program
Coverage ends on the date of your death.
Employee Assistance Program (EAP)
Coverage for your eligible family members ends on your date of death. Your eligible family members can continue coverage through COBRA for up to 36 months.
Best Doctors
Coverage for your eligible family members ends on your date of death. Your eligible family members can continue coverage through COBRA for up to 36 months.
Health Advocate
Coverage for your eligible family members ends on your date of death. Your eligible family members can continue coverage through COBRA for up to 36 months.
Healthyroads
Coverage for your eligible family members ends on your date of death. Your eligible family members can continue coverage through COBRA for up to 36 months.
MSK Direct
Access to MSK Direct for your eligible family members ends on your date of death.