MMC Benefits Handbook
When Coverage Ends
Coverage ends on the first of the following to occur:
  • the date of your death
  • the date the Plan is terminated
  • the date you no longer meet the eligibility requirements
  • the date you discontinue coverage
  • the last date worked.
Can I convert my coverage to an individual policy when my coverage ends?
You can convert your Voluntary AD&D. To apply for conversion to an individual policy, you must contact AIG c/o Reuben Warner Associates at +1 800 421 3005 ext. 320. The minimum benefit is $100,000 and the maximum benefit is $500,000 in coverage, to an individual plan at standard insurance company rates by applying and making the premium payments to the insurance company within:
  • 31 days from the date coverage ends, or
  • 15 days from the date notice is given, if notice is given more than 15 days from the date coverage ends.
However, in no event will the conversion period extend beyond 91 days from the date coverage ends.
Note: Retirees can convert up to $50,000 in coverage to an individual plan, without providing evidence of insurability, within 31 days of the last day of employment.
When does my individual policy take effect?
Your individual policy takes effect on the later of the date the coverage ends or the date the application and premium payment are received by the insurance company.
Do I need Evidence of Insurability to convert to an individual policy?
You don't have to provide Evidence of Insurability to convert to an individual policy.