MMC Benefits Handbook
When Coverage Starts
Existing Employees
If you are an existing employee and you experience a qualified family status change (such as marriage), your family member's coverage will become effective on the date of the event, if you enroll the family member within 30 calendar days of the qualified family status change (60 calendar days of the qualified family status change for medical plan changes).
Marsh & McLennan Companies New Hire (other than Marsh and MMA)
Your coverage will be effective on the first day you are actively-at-work on or after your date of hire, as long as you complete enrollment within 30 days of your eligibility date.
Marsh New Hire
Your coverage will be effective on the first day you are Actively-At-Work on or after your date of hire, as long as you complete enrollment within 30 days of your eligibility date.
MMA New Hire
Your coverage will be effective on the first day you are Actively-At-Work on or after your date of hire, as long as you complete enrollment within 30 days of your eligibility date.
What happens if I am not at work on the day my coverage is supposed to start?
As a new hire, if you are eligible for coverage and enroll, your coverage will be effective on the first day that you begin fulfilling your job responsibilities with the Company at a Company-approved location. If you are absent for any reason on your scheduled first day of work, your coverage will not begin on that date. For example, if you are scheduled to begin work on August 3rd, but are unable to begin work on that day (e.g., because of illness, jury duty, bereavement or otherwise), your coverage will not begin on August 3rd. Thereafter, if you report for your first day of work on August 4th, your coverage will be effective on August 4th.
If you are an existing employee and you are not Actively-At-Work on the day your coverage is supposed to begin, your coverage will be effective on the day it is supposed to begin. If you are hospitalized on the day your coverage is supposed to begin and you had prior coverage, your prior plan would pay for the confinement and ancillary charges until discharge.
What happens if my family member is in the hospital when coverage is supposed to start?
If your family member is confined to a health care facility or home under a physician's care on the date coverage would otherwise become effective, your family member's medical coverage will be effective on the day it is supposed to begin. Your prior plan coverage would pay for the confinement and ancillary charges until discharged.
When does my child's coverage start?
A newborn natural child is eligible for coverage at birth. An adopted child is eligible for coverage on the day the child is placed for adoption or the date the adoption is finalized. A stepchild is eligible for coverage upon your marriage to his or her parent.
You must enroll your child within 30 calendar days of the event that made the child eligible for coverage (within 60 calendar days of the event for medical coverage). If you do not enroll the child within that period, you must wait until the next Annual Enrollment period to enroll your child.
When will my retiree medical coverage be effective?
If you decide to elect to participate, your Retiree Medical Coverage Participation Date will be reflected as the 1st of the month following your termination date, or if you defer your election and elect coverage at a later date, the 1st of any month, but no later than the 1st of the month following your attainment of age 65 (retiree medical coverage participation dates always are on the 1st of a month).