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 may make the following changes:
  • change your plan,
  • enroll,
  • add your eligible spouse (and/or your spouse's children) to your existing coverage or to newly elected coverage,
  • increase or decrease your level of coverage if your eligible children are covered under the Company plan and will be covered under your spouse's plan,
  • cancel your coverage if you and your eligible children are covered under the Company plan and will be covered under your spouse's plan.
This is a HIPAA special enrollment event.
Changes to this plan must be made within 60 calendar days of your marriage.
See "Enrollment Changes" under the Pre-65 Retiree Medical Eligibility section for changes to your under age 65 retiree medical coverage.
Dental Plan
You may make the following changes:
  • change your plan,
  • enroll,
  • add your eligible spouse (and/or your spouse's children) to your coverage,
  • increase or decrease your level of coverage if your eligible children are covered under the Company plan and will be covered under your spouse's plan,
  • cancel your coverage if you and your eligible children are covered under the Company plan and will be covered under your spouse's plan.
Changes to this plan must be made within 30 calendar days of your marriage.
Vision Care Plan
You may make the following changes:
  • change your plan,
  • enroll,
  • add your eligible spouse (and/or your spouse's children) to your coverage,
  • increase or decrease your level of coverage if your eligible children are covered under the Company plan and will be covered under your spouse's plan,
  • cancel your coverage if you and your eligible children are covered under the Company plan and will be covered under your spouse's plan.
Changes to this plan must be made within 30 calendar days of your marriage.
Health Care Flexible Spending Account Plan
You may make the following changes:
  • enroll,
  • increase or decrease your contribution amount for the year, or
  • stop future contributions.
Changes to this plan must be made within 30 calendar days of your marriage.
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, or
  • decrease or stop future contributions.
Changes to this plan must be made within 30 calendar days of your marriage.
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 may make the following change:
  • increase or decrease the level and amount of your coverage.
Changes to this plan must be made within 30 calendar days of your marriage.
Group Variable Universal Life Insurance Plan
You may make the following change:
  • enroll your spouse or the child(ren) of your spouse.
Changes to this plan must be made within 31 calendar days of your marriage in order for Evidence of Insurability to be waived (for your spouse/domestic partner coverage only).
Other Insurances
Generally, you can make changes to after-tax benefits at any time during the plan year when not tied to a qualified family status change. In some cases, Evidence of Insurability is required before coverage becomes effective. Refer to the individual benefit plan sections for further information.
Legal Assistance Plan
If you are enrolled and get married or acquire a domestic partner or child during the plan year, your family members will automatically be covered under the Plan.
Identity Protection Benefit Program
You can enroll for coverage for yourself and your spouse or domestic partner in the Identity Protection Benefit Program at any time during the year. Make an initial election on Voluntary Benefits (www.mmcvoluntarybenefits.com). After this initial enrollment, you will receive a membership kit in the mail.
Accident Insurance
You may make the following changes:
  • enroll,
  • add your eligible spouse (and/or your spouse's children) to your coverage or to newly elected coverage,
  • increase or decrease your level of coverage if your eligible children are covered under the plan and will be covered under your spouse's plan,
  • cancel your coverage if you and your eligible children are covered under the plan and will be covered under your spouse's plan.
Changes to this plan must be made within 30 calendar days of your marriage.
Critical Illness
You may make the following changes:
  • enroll,
  • add your eligible spouse (and/or your spouse's children) to your coverage or to newly elected coverage,
  • increase or decrease your level of coverage if your eligible children are covered under the plan and will be covered under your spouse's plan,
  • cancel your coverage if you and your eligible children are covered under the plan and will be covered under your spouse's plan.
Changes to this plan must be made within 30 calendar days of your marriage.
Hospital Indemnity
You may make the following changes:
  • enroll,
  • add your eligible spouse (and/or your spouse's children) to your coverage or to newly elected coverage,
  • increase or decrease your level of coverage if your eligible children are covered under the plan and will be covered under your spouse's plan,
  • cancel your coverage if you and your eligible children are covered under the plan and will be covered under your spouse's plan.
Changes to this plan must be made within 30 calendar days of your marriage.