MMC Benefits Handbook
How the Plan Works
You can elect an accidental death benefit of one to 10 times your salary, rounded to the next $1,000, if not already an even multiple of $1,000, up to a maximum of $1,000,000. The amount you elect is called the principal sum.
If I am on an authorized unpaid leave of absence, does the Plan still provide a benefit?
If the Company grants you an authorized unpaid leave of absence, Voluntary AD&D Plan coverage for you and your family members continues for the duration of your authorized period of unpaid leave but for no longer than 48 months. It is your responsibility to pay any employee contributions due. (If your leave is covered by the Family and Medical Leave Act, you may prepay contributions on a before-tax basis by authorizing a lump-sum payroll deduction prior to the start of your leave. Coverage may continue during the course of the authorized unpaid leave for no longer than 48 months.)
If I am on Long Term Disability, does the Plan still provide a benefit?
During a period of approved Disability, your Voluntary AD&D Plan coverage will continue for you and your covered family members but for no longer than 48 months. It is your responsibility to pay any contributions due for Voluntary AD&D Plan coverage on an after-tax basis. If your leave is covered by the Family and Medical Leave Act, you may prepay contributions on a before-tax basis by authorizing a lump-sum payroll deduction prior to the start of your leave. Coverage may continue during the course of the long term disability leave for no longer than 48 months.
If I Die
If you die as a result of a covered accident under this plan while you are an active employee, your family members' coverage will continue at no cost for six months following your accidental death
If My Family Member Loses Eligibility Status
If your family member no longer meets the eligibility requirements, his or her coverage under the Voluntary AD&D Plan ends.
It is your responsibility to cancel coverage when a family member is no longer eligible. No refund of contribution will be paid beyond the date eligibility ceases, and no benefit will be paid if your family member dies or becomes dismembered as a result of an accident.