MMC Benefits Handbook
Enrolling a Family Member under COBRA
Do I have to enroll all my family members?
No, you do not have to enroll all of your family members. Each eligible family member has the right to enroll for COBRA coverage. You can enroll as a family, but you do not have to.
Can I enroll my domestic partner under COBRA coverage?
Although not legally required to do so, Marsh & McLennan Companies extends COBRA coverage to domestic partners of Marsh & McLennan Companies employees and/or their dependent children who have coverage under the Company Benefits Program. (A few medical plans may not extend COBRA to domestic partners or their children; refer to the specific medical plan section to learn about COBRA availability.)
This coverage may be changed or terminated by the Company at any time.
What is the COBRA coverage period if my family member is totally disabled when qualifying for COBRA coverage?
If your family member is disabled according to the Social Security Administration when they qualify for COBRA coverage or become disabled according to the Social Security Administration within the 60 calendar day COBRA election period, you and your covered family members can extend your COBRA coverage for an additional 11 months, for a total of 29 months from the qualifying event.
Note that your premiums are increased to 150% of the full group rate for those additional 11 months from the beginning of the 19th month through the end of the 29th month.
If a second qualifying event occurs within the first 18 months of the COBRA coverage, you pay the full group rate on an after-tax basis plus an additional two percent for administrative expenses from the beginning of the 19th month through the end of the 36th month. If a second qualifying event occurs within the 19th through 29th month of COBRA coverage extended for disability, your premiums will be increased by an additional 50 percent through the end of the 36th month.