MMC Benefits Handbook
Making Changes to Benefits
You must register the qualified family status change event and make changes to your benefit plans by going to Colleague Connect (https://colleagueconnect.mmc.com). You must make your change within 30 calendar days of your child's birth or adoption.
Medical Plan
You must remove your spouse from coverage within 60 calendar days of your divorce.
In addition, you may make the following changes:
  • change your plan,
  • remove your child(ren) from coverage,
  • enroll yourself and/or your eligible children under Company coverage if your or their coverage is lost under your spouse's plan.
Coverage for your spouse ends on the midnight of the day prior to your divorce date. Your ex-spouse is eligible to continue coverage through COBRA for up to 36 months by making a timely election and paying the full group rate plus an additional two percent for administrative expenses.
This is a HIPAA special enrollment event.
Changes to this plan must be made within 60 calendar days of your divorce.
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 coverage within 30 calendar days of your divorce.
In addition, you may make the following changes:
  • change your plan,
  • remove your child(ren) from coverage,
  • enroll yourself and/or your eligible children under Company coverage if your or their coverage is lost under your spouse's plan.
Coverage for your spouse ends on midnight of the day prior to your divorce date. Your ex-spouse is eligible to continue coverage through COBRA for up to 36 months by making a timely election and paying the full group rate plus an additional two percent for administrative expenses.
Changes to this plan must be made within 30 calendar days of your divorce.
Vision Care Plan
You must remove your spouse from coverage within 30 calendar days of your divorce.
In addition, you may make the following changes:
  • change your plan,
  • remove your child(ren) from coverage,
  • enroll yourself and/or your eligible children under Company coverage if your or their coverage is lost under your spouse's plan.
Coverage for your spouse ends on midnight of the day prior to your divorce date. Your ex-spouse is eligible to continue coverage through COBRA for up to 36 months by making a timely election and paying the full group rate plus an additional two percent for administrative expenses.
Changes to this plan must be made within 30 calendar days of your divorce.
Health Care Flexible Spending Account Plan
You may make the following changes:
  • enroll, but only if you lose coverage under your spouse's plan,
  • increase your contributions for the year, or
  • decrease your contributions 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 divorce.
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, but only if you were not previously eligible (e.g., because your spouse was not working),
  • increase your contributions for the year,
  • decrease your contributions for the year, or
  • stop future contributions for the year.
Changes to this plan must be made within 30 calendar days of your divorce.
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 ex-spouse from coverage within 30 calendar days of your divorce.
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 divorce.
Group Variable Universal Life Insurance Plan
You must make the following changes:
  • cancel your spouse coverage,
  • decrease or cancel your dependent child(ren) coverage.
Changes to this plan must be made within 31 calendar days of your divorce.
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).
Changes must be made within 30 calendar days of your divorce.
Refer to the individual benefit plan sections for further information.
Legal Assistance Plan
If you get divorced during the plan year, your spouse will automatically be removed from coverage effective from the date of divorce.
Identity Protection Benefit Program
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 Voluntary Benefits (www.mmcvoluntarybenefits.com).
Changes must be made within 30 calendar days of your divorce.
Accident Insurance
You must remove your spouse from coverage within 60 calendar days of your divorce.
In addition, you may make the following changes:
  • remove your child(ren) from coverage,
  • enroll yourself and/or your eligible children if your or their coverage is lost under your spouse's plan.
Coverage for your spouse ends on the midnight of the day prior to your divorce date.
Changes to this plan must be made within 30 calendar days of your divorce.
Critical Illness
You must remove your spouse from coverage within 60 calendar days of your divorce.
In addition, you may make the following changes:
  • remove your child(ren) from coverage,
  • enroll yourself and/or your eligible children if your or their coverage is lost under your spouse's plan.
Coverage for your spouse ends on the midnight of the day prior to your divorce date.
Changes to this plan must be made within 30 calendar days of your divorce.
Hospital Indemnity
You must remove your spouse from coverage within 60 calendar days of your divorce.
In addition, you may make the following changes:
  • remove your child(ren) from coverage,
  • enroll yourself and/or your eligible children if your or their coverage is lost under your spouse's plan.
Coverage for your spouse ends on the midnight of the day prior to your divorce date.
Changes to this plan must be made within 30 calendar days of your divorce.