MMC Benefits Handbook
You are eligible to participate if you:
- are a US regular employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies, (other than (i) Marsh & McLennan Agency, LLC and any of its subsidiaries and generally, (ii) Mercer Services (which consists of Mercer HR Services LLC, Mercer Trust Company, and Mercer Health and Benefits Administration LLC, and was formerly known as Mercer Outsourcing or Mercer Human Resources Services) who terminates employment at age 55 or older with at least five years of vesting service, and
- are a current retiree under age 65, or
- are the non-Medicare eligible dependent of a Medicare eligible retiree.
Individuals who are classified on payroll as temporary employees or who are compensated as independent contractors are not eligible to participate.
When you or a covered family member reach age 65 or are covered by Medicare, those Medicare eligible family members are no longer eligible for coverage under the pre-65 retiree medical plans.
Note: Although you may be eligible to participate in retiree medical coverage, the opportunity to defer your retiree medical coverage election only applies to employees that terminate employment on or after April 1, 2010. As an example, if you are under age 65 and terminated employment prior to April 1, 2010, the rules regarding the deferral of your retiree medical coverage election do not apply to you.
How does Medicare eligibility affect my benefits under the Pre-65 retiree medical coverage?
Your eligibility for coverage under the pre-65 retiree plans ends once you are Medicare eligible. If your spouse/domestic partner or dependent children are under 65, they will continue to receive benefits under the pre-65 medical benefit.
Eligibility for your spouse/domestic partner's coverage under the pre-65 medical coverage ends once he or she is Medicare eligible.
Once you or your spouse/domestic partner is deemed to be Medicare eligible, the Medicare-eligible family member(s) are no longer eligible for pre-65 Retiree Medical Coverage, regardless of whether the Medicare-eligible family members(s) enroll/enrolled in Medicare.
Can I cover my dependent child?
You can cover:
- your biological child
- a child for whom you or your spouse are the legally appointed guardian with full financial responsibility
- the child of a domestic partner
- your stepchild
- your legally adopted child or a child placed with you for adoption.
Note: Any child that meets one of these eligibility requirements and who is incapable of self support by reason of a total physical or mental disability as determined by the Claims Administrator, may be covered beyond the end of the calendar year in which the child attains age 26.
Dependent children are eligible for healthcare coverage until the end of the calendar year in which they attain age 26. This eligibility provision applies even if your child is married, has access to coverage through his or her employer, doesn't attend school full-time or live with you, and is not your tax dependent.
Note: While married children are eligible for healthcare coverage under your plan until the end of the calendar year in which they attain age 26, this provision does not apply to your child's spouse and/or child(ren), unless you or your spouse is the child's legally appointed guardian with full financial responsibility.
The Company has the right to require documentation to verify the relationship (such as a copy of the court order appointing legal guardianship). Company medical coverage does not cover foster children or other children living with you, including your grandchildren, unless you are their legal guardian with full financial responsibility—that is, you or your spouse claims them as a dependent on your annual tax return
What happens to my active employee medical coverage upon termination of employment if I am eligible to participate in retiree medical coverage?
If you (and your eligible family members) are enrolled in active employee medical coverage, active employee medical coverage for you and your eligible family members ends on the last day of the month in which you terminate employment. If you are eligible to participate in retiree medical coverage, you will be given an opportunity to enroll immediately following your termination of employment or defer your Marsh & McLennan Companies retiree medical coverage enrollment to some time in the future. If you defer, no immediate action is required at termination unless you wish to elect COBRA.
What happens to my active employee medical coverage upon termination of employment if I am not eligible to participate in retiree medical coverage?
If you (and your eligible family members) are enrolled in active employee medical coverage but you are not eligible to participate in retiree medical coverage, coverage for you and your eligible family members ends on your last day of employment.
COBRA medical coverage will automatically be offered to you. You will have 60 days from the date of the COBRA notice to elect COBRA continuation. Your COBRA premium will be due 45 days from your election date. The COBRA medical coverage effective date will be the day following your last day of employment.
Does eligibility to participate in retiree medical coverage impact any benefits other than active employee medical coverage?
Yes, if you are eligible to participate in retiree medical coverage, your active employee medical, dental, vision care plan, and/or EAP coverage, whichever plans you are enrolled in, will be continued through the end of the month in which you terminate.
If I am not enrolled in active employee medical coverage at the time of my termination, am I eligible to participate in retiree medical coverage?
Yes, if you meet the retiree eligibility requirements you are eligible to participate in retiree medical coverage. You will be given an opportunity to immediately elect or defer retiree medical coverage following your termination of employment.
Since you were not enrolled in Marsh & McLennan Companies' active medical coverage, you will not have the option to elect COBRA medical coverage.
Should I elect to participate in retiree medical coverage immediately following my termination date?
This is an individual decision that you must make based on your personal facts and circumstances. Note though, if you defer your retiree medical coverage enrollment election beyond 60 days of your termination, additional rules and documentation requirements apply.