MMC Benefits Handbook
Impact on Benefits
Impact on Benefits describes how taking an authorized unpaid leave of absence affects your benefits. Your participation in and certain service credit under many of the benefit plans can continue for up to the first 12 months of your authorized unpaid leave of absence. However, your participation in certain plans will be suspended when you start your leave.
Medical Plan
What happens to my medical coverage when I am on an authorized unpaid leave of absence?
Coverage continues with the same Company subsidy as active employees if you pay the required contributions on an after-tax basis. Medical coverage will be cancelled as a result of non-payment. (In some circumstances, COBRA medical coverage may be available.)
If you take an authorized unpaid leave of absence that is covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions to the plan by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave.
Before-tax contributions will resume when you return to active employment.
Dental Plan
What happens to my dental coverage when I am on an authorized unpaid leave of absence?
Coverage continues with the same Company subsidy as active employees if you pay the required contributions on an after-tax basis. Dental coverage will be cancelled as a result of non-payment. (In some circumstances, COBRA dental coverage may be available.)
If you take an authorized unpaid leave of absence that is covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions to the plan by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave.
Before-tax contributions will resume when you return to active employment.
Vision Care Plan
What happens to my vision coverage when I am on an authorized unpaid leave of absence?
Coverage continues if you pay the required contributions on an after-tax basis. Vision coverage will be cancelled as a result of non-payment. (In some circumstances, COBRA vision coverage may be available.)
If you take an authorized unpaid leave of absence that is covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions to the plan by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave.
Health Care Flexible Spending Account and Limited Purpose Health Care Flexible Spending Account
What happens to my Health Care Flexible Spending Account and Limited Purpose Health Care Flexible Spending Account when I am on an authorized unpaid leave of absence?
Your before-tax contributions cease. (In some circumstances, COBRA participation may be available.)
Upon return to work, your before-tax contributions will resume. The amount of your before-tax contributions will be recalculated for the remainder of the year to "catch-up" for your missed contributions while on unpaid leave. The balance of your annual election will be divided by your remaining pay dates, spreading the balance over the rest of your paychecks through the end of the year. This will increase your per pay period contribution upon return from unpaid leave. For example, suppose your annual election to the Health Care Flexible Spending Account is $1,200 and you are on an authorized unpaid leave from July 1 through November 1. You will have contributed $600 before you began leave and your contributions will stop while you are on leave. When you return to work, the remaining $600 of your annual election will be spread out over the paychecks you receive in November and December. Any eligible expenses you incur while on unpaid leave will be paid.
Dependent Care Flexible Spending Account
What happens to my Dependent Care Flexible Spending Account when I am on an authorized unpaid leave of absence?
Your before-tax contributions cease while you are on an authorized unpaid leave of absence. If you return to active employment in the same calendar year, your before-tax contributions will resume.
Health Savings Account
What happens to my Health Savings Account coverage when I am on an authorized unpaid leave of absence?
While you are on leave, you may continue to contribute to your Health Savings Account (HSA) if you remain covered by the $1,500 Deductible Plan or $2,850 Deductible Plan as your Medical Plan option, provided you are not covered by Medicare and meet all other eligibility criteria. However, your contributions to the HSA may be made directly to the HSA Administrator, during the leave. You may be able to claim a deduction when you file your taxes. Please consult your personal tax advisor. If you are enrolled in the $1,500 Deductible Plan or $2,850 Deductible Plan option and want to contribute to an HSA, you must contact the HSA Administrator directly.
Business Travel Accident Insurance Plan
What happens to my Business Travel Accident Insurance when I am on an authorized unpaid leave of absence?
Coverage is suspended during the authorized unpaid leave of absence and will resume when you return to active employment.
Voluntary AD&D
What happens to my Voluntary AD&D when I am on an authorized unpaid leave of absence?
Coverage continues during the authorized unpaid leave of absence if you pay the required contributions on an after-tax basis, but for no longer than 48 months.
If you take an authorized unpaid leave of absence that's covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave. Coverage may continue during the course of the authorized unpaid leave for no longer than 48 months.
Upon return from leave of absence, you will need to elect Voluntary AD&D coverage.
Life Insurance Plans
Group Variable Universal Life
What happens to my Group Variable Universal Life when I am on an authorized unpaid leave of absence?
Group Variable Universal Life coverage may continue for up to the first 12 months of the authorized unpaid leave of absence, provided you pay the required contributions. Note: As long as you receive benefits under the Company's Basic Long Term Disability Plan, your Group Variable Universal Life coverage will continue while out on Long-Term Disability. No contributions for Group Variable Universal Life will be required during this period.
Your coverage will continue during Short Term Disability. The cost for continuing your Group Variable Universal Life will be deducted from your paycheck.
You may not enroll for or increase Group Variable Universal Life coverage during your leave.
Payroll deductions for coverage will resume when you return to active employment.
Basic Life Insurance
What happens to my Basic Life Insurance when I am on an authorized unpaid leave of absence?
Basic Life Insurance continues for up to the first 12 months of the authorized unpaid leave of absence at no cost to you. If you are totally disabled, your coverage will continue for as long as you receive benefits under the Company's Basic Long Term Disability Plan.
Personal Life Insurance
Personal Life Insurance coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.
If you participate in the Personal Life Insurance Plan, you must contact Mercer Health & Benefits Administration at +1 800 695 7451 to resume payroll deductions for coverage when you return to active employment.
Disability
What happens to my Short Term Disability Plan, Basic Long Term Disability Plan, Optional Long Term Disability Plan, and Long Term Disability Bonus Income Plan while I am on an authorized unpaid leave of absence?
Coverage (and any related contributions) is suspended during the authorized unpaid leave of absence and will resume when you return to active employment.
What happens to my Individual Disability Insurance Plan while I am on an authorized unpaid leave of absence?
Coverage under your Individual Disability Insurance policy may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by Unum with instructions on how to continue submitting plan contributions.
To resume payroll deductions for Individual Disability Insurance when you return to active employment, contact Unum to have payroll deductions re-started.
Personal Excess Liability Insurance*
What happens to my Personal Excess Liability Insurance coverage while I am on an authorized unpaid leave of absence?
Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.
You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.
* Includes uninsured/underinsured liability insurance, if elected.
Marsh & McLennan Companies 401(k) Savings & Investment Plan and Supplemental Savings & Investment Plan
Can I continue to contribute to the Marsh & McLennan Companies 401(k) Savings & Investment Plan and the Supplemental Savings & Investment Plan while I am on an authorized unpaid leave of absence?
Contributions are suspended during the leave of absence. (Service credit continues for up to the first 12 months of the leave of absence.) Loan repayments must continue.
Contributions will resume when you return to active employment
Special rules apply if you are on a military leave of absence.
Marsh & McLennan Agency 401(k) Savings & Investment Plan
Can I continue to contribute to the Marsh & McLennan Agency 401(k) Savings & Investment Plan while I am on an authorized unpaid leave of absence?
Contributions are suspended during the leave of absence. (Service credit continues for up to the first 12 months of the leave of absence.) Loan repayments must continue.
Contributions will resume when you return to active employment.
Special rules apply if you are on a military leave of absence.
Employee Stock Purchase Plan
Can I continue to contribute to the Employee Stock Purchase Plan while I am on an authorized unpaid leave of absence?
Contributions are suspended during the leave of absence, although you may keep your balance in the plan and it will continue to earn interest. Your balance will be used to buy shares at the end of the current quarterly purchase period, even if you have not yet returned to active employment by then.
Contributions will resume if you return to active employment.
US Retirement Program
What happens to my service credit for the US Retirement Program while I am on an authorized unpaid leave of absence?
Service credit towards eligibility for and vesting in the plan continues for up to the first 12 months of the leave of absence.
Transportation Reimbursement Incentive Program (TRIP)
What happens to my Transportation Reimbursement Incentive Program (TRIP) coverage while I am on an authorized unpaid leave of absence?
Your contributions cease. You are responsible for the cost of any transit pass you ordered.
You cannot purchase a transit pass or be reimbursed for expenses incurred during the leave of absence.
You must contact WageWorks to re-elect your TRIP benefit when you return to active employment.
Long Term Care Insurance Plan
What happens to my Long Term Care coverage while I am on an authorized unpaid leave of absence?
Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.
You must contact Genworth Life Insurance Company at +1 800 416 3624 to resume payroll deductions for coverage when you return to active employment.
Choice Auto and Home Insurance Program
What happens to my Choice Auto and Home Insurance coverage while I am on an authorized unpaid leave of absence?
Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.
You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.
Pet Insurance Plan
What happens to my Pet Insurance coverage while I am on an authorized unpaid leave of absence?
Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.
You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.
Legal Assistance Plan
What happens to my Legal Assistance Plan coverage while I am on an authorized unpaid leave of absence?
Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.
You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.
Identity Protection Benefit Program
What happens to my Identity Protection coverage while I am on an authorized unpaid leave of absence?
Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.
You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.
Accident Insurance
Critical Illness
Hospital Indemnity
Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions.
MSK Direct
What happens to MSK Direct coverage while I am on an authorized unpaid leave of absence?
Access to MSK Direct continues during the authorized unpaid leave of absence.