MMC Benefits Handbook
Glossary
Actively-At-Work
You are "Actively-At-Work" if you are fulfilling your job responsibilities at a Company-approved location on the day coverage is supposed to begin (e.g., you are not out ill or on a leave of absence).
Annual Enrollment
The period of time each year designated by the Company when you may generally enroll in plans and make changes to your benefit elections, if allowed by the plan.
Before-tax (Pre-tax) Contributions
Contributions taken from your paycheck generally before Social Security (FICA and Medicare) and federal unemployment insurance (FUTA) taxes and other applicable federal, state, and other income taxes are withheld.
Claims Administrator/Health Savings Account Administrator
Vendor that administers the Plan and processes claims; the vendor's decisions are final and binding.
Consolidated Omnibus Budget Reconciliation Act (COBRA)
A Federal law that lets you and your eligible family members covered by a group health plan extend group health coverage temporarily, at their own expense, at group rates plus an administrative fee, in certain circumstances when their coverage would otherwise end due to a "qualifying event", as defined under COBRA.
A "qualifying event" under COBRA includes loss of coverage as a result of your leaving the Company (other than for gross misconduct); a reduction in hours, your death, divorce or legal separation; your eligibility for Medicare, or a dependent child's loss of dependent status; or, if you are a retiree, loss of coverage due to the Company filing for bankruptcy.
High Deductible Health Plan
A high deductible health plan is a health plan that satisfies certain tax law requirements including having a statutory minimum deductible and a statutory maximum out-of-pocket expense limit.
IRS Publication 502
Go to www.irs.gov and enter "502" in the "Search" box for more information about IRC Section 213 qualified medical expenses. Note that certain items listed in Publication 502 may not qualify for Health Care Flexible Spending Account reimbursement, such as premiums for dental or vision insurance.
Plan Year
The plan year is January 1 through December 31.
Qualified Family Status Change (Status Change, Qualified Change in Family Status)
An event that allows you to make changes your benefits. For example, getting married and having a child or your spouse or dependent lose other coverage. You can make certain changes to your before-tax benefit elections that are due to and consistent with the change in family status.
Qualifying Event
A "qualifying event" under COBRA includes loss of coverage as a result of your leaving the Company (other than for gross misconduct); a reduction in hours, your death, divorce or legal separation; your eligibility for Medicare, or a dependent child's loss of dependent status; or, if you are a retiree, loss of coverage due to the Company filing for bankruptcy.
Qualifying Family Member(s)
According to the IRS, a qualifying family member includes any person who is your spouse, child, or other person whom you may claim as a dependent on your tax return.
You can make withdrawals for qualified medical expenses for you, your spouse or your eligible family members.
Unless your domestic partner or his or her children qualify as your dependents as described in IRS Publication 501, the federal government does not permit you to use Health Savings Accounts for expenses incurred by your domestic partner or his or her children on a tax-free basis.
Salary
For Marsh & McLennan Companies employees (other than MMA):
Salary for the purpose of the Plan is your annual base salary (excluding overtime, bonuses, commissions, and other extra compensation).
For MMA employees:
Salary for the purpose of the Plan is your annual base salary, regular draw and earned commissions.
Spouse and Domestic Partner
Adding a spouse or same gender or opposite gender domestic partner to certain benefits coverage is permitted upon employment or during the Annual Enrollment period for coverage effective the following January 1st if you satisfy the plans' criteria, or immediately upon satisfying the plans' criteria if you previously did not qualify. To obtain domestic partner coverage, you will need to agree to the Affidavit of Eligible Family Membership declaring that:
Spouse / Domestic Partner
  • You have already received a marriage license from a US state or local authority, or registered your domestic partnership with a US state or local authority.
Spouse Only
  • Although not registered with a US state or local authority, your relationship constitutes a marriage under US state or local law (e.g. common law marriage or a marriage outside the US that is honored under US state or local law).
Domestic Partner Only
  • Although not registered with a US state or local authority, your relationship constitutes an eligible domestic partnership. To establish that your relationship constitutes an eligible domestic partnership you and your domestic partner must:
    • be at least 18 years old
    • not be legally married, under federal law, to each other or anyone else or part of another domestic partnership during the previous 12 months
    • currently be in an exclusive, committed relationship with each other that has existed for at least 12 months and is intended to be permanent
    • currently reside together, and have resided together for at least the previous 12 months, and intend to do so permanently
    • have agreed to share responsibility for each other's common welfare and basic financial obligations
    • not be related by blood to a degree of closeness that would prohibit marriage under applicable state law.
Marsh & McLennan Companies reserves the right to require documentary proof of your domestic partnership at any time, for the purpose of determining benefits eligibility. If requested, you must provide documents verifying either the registration of your domestic partnership with a state or local authority or your cohabitation and/or mutual commitment.
In order to cover the child(ren) of a domestic partner, you will be required to agree to the Affidavit of Eligible Family Membership.
Go to Colleague Connect (https://colleagueconnect.mmc.com), click Career & Rewards and select Mercer Marketplace Benefits Enrollment Website under Tools.