MMC Benefits Handbook
Impact on Benefits
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 if your covered family member gains coverage elsewhere due to a new job:
  • remove your spouse from your coverage,
  • remove your child(ren) from your coverage,
  • cancel your coverage.
Changes to this plan must be made within 60 calendar days of your covered family member's date of obtaining coverage elsewhere due to a new job.
You may make the following changes if your covered family member obtains government insurance such as by joining the military or by being entitled to Medicare:
  • remove your spouse from your coverage,
  • remove your child from your coverage.
Changes to this plan must be made within 60 calendar days of your covered family member's date of obtaining government insurance.
Dental Plan
You may make the following changes if your covered family member gains coverage elsewhere due to a new job:
  • remove your spouse from your coverage,
  • remove your child(ren) from your coverage,
  • cancel your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining coverage elsewhere due to a new job.
You may make the following changes if your covered family member obtains government insurance such as by joining the military or by being entitled to Medicare:
  • remove your spouse from your coverage,
  • remove your child from your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining government insurance.
Vision Care Plan
You may make the following changes if your covered family member gains coverage elsewhere due to a new job:
  • remove your spouse from your coverage,
  • remove your child(ren) from your coverage,
  • cancel your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining coverage elsewhere due to a new job.
You may make the following changes if your covered family member obtains government insurance such as by joining the military or by being entitled to Medicare:
  • remove your spouse from your coverage,
  • remove your child from your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining government insurance.
Health Care Flexible Spending Account Plan
You may make the following change:
  • 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 covered family member's date of obtaining coverage elsewhere due to a new job or obtaining government insurance.
Dependent Care Flexible Spending Account Plan
You may make the following changes:
  • enroll, or
  • increase your contribution amount for the year.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining coverage elsewhere due to a new job or obtaining government insurance.
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 your level and amount of coverage.
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
Refer to the individual benefit plan section for further information, including the contact number for the Claims Administrator.
Identity Protection Benefit Program
Refer to the individual benefit plan section for further information, including the contact number for the Claims Administrator.
Accident Insurance
You may make the following changes if your covered family member gains coverage elsewhere due to a new job:
  • remove your spouse from your coverage,
  • remove your child(ren) from your coverage,
  • cancel your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining coverage elsewhere due to a new job.
You may make the following changes if your covered family member obtains government insurance such as by joining the military or by being entitled to Medicare:
  • remove your spouse from your coverage,
  • remove your child from your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining government insurance.
Critical Illness
You may make the following changes if your covered family member gains coverage elsewhere due to a new job:
  • remove your spouse from your coverage,
  • remove your child(ren) from your coverage,
  • cancel your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining coverage elsewhere due to a new job.
You may make the following changes if your covered family member obtains government insurance such as by joining the military or by being entitled to Medicare:
  • remove your spouse from your coverage,
  • remove your child from your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining government insurance.
Hospital Indemnity
You may make the following changes if you or your covered family member gains coverage elsewhere due to a new job:
  • remove your spouse from your coverage,
  • remove your child(ren) from your coverage,
  • cancel your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining coverage elsewhere due to a new job.
You may make the following changes if your covered family member obtains government insurance such as by joining the military or by being entitled to Medicare:
  • remove your spouse from your coverage,
  • remove your child from your coverage.
Changes to this plan must be made within 30 calendar days of your covered family member's date of obtaining government insurance.