MMC Benefits Handbook
When Coverage Begins
Marsh & McLennan Companies New Hire (other than MMA)
If you enroll for Voluntary AD&D, your coverage begins on the business day after your election is saved, as long as you are eligible.
MMA New Hire
If you enroll for Voluntary AD&D, your coverage begins on the business day after your election is saved, as long as you are eligible.
What happens if I am not at work on the day my coverage is supposed to start?
Marsh & McLennan Companies New Hire (other than MMA)
If you are not Actively-At-Work on the day your coverage is supposed to begin, your coverage will be effective on the first day of eligibility when you are Actively-At-Work, as long as you complete enrollment within 30 days of your eligibility date.
MMA New Hire
If you are not Actively-At-Work on the day your coverage is supposed to begin, your coverage will be effective on the first day of eligibility when you are Actively-At-Work, as long as you complete enrollment within 30 days of your eligibility date.
What happens if I am in the hospital when my coverage is supposed to start?
If you are hospitalized on the day your coverage is supposed to begin, your coverage will start on the business day you are Actively-At-Work if you are a Marsh & McLennan Companies employee.
What happens if my family member is in the hospital when coverage is supposed to start?
If your family member is hospitalized on the day your coverage is supposed to begin, his or her coverage will start immediately as long as you are Actively-At-Work if you are a Marsh & McLennan Companies employee on the day your coverage begins.