MMC Benefits Handbook
Additional Benefits
Will my beneficiary receive an extra benefit if I was wearing my seat belt in a car accident that resulted in my death?
There is a benefit of the lesser of $50,000 or 10% of your principal sum under the Voluntary AD&D Plan, if you were wearing a properly fastened seat belt. In addition, if the Seat Belt Benefit is payable and the automobile air bag system properly inflated upon impact during a car accident that causes death, an additional benefit of the lesser of $50,000 or 10% of your principal sum is payable.
Is there an education benefit for my children if I die?
If you have elected family coverage and die while covered under the Voluntary AD&D Plan, your children may receive an education benefit. The education benefit is 5% of your principal sum to a maximum of $10,000, but no more than the actual annual tuition (whichever is less) and is paid annually, for a maximum of four consecutive years, as long as your child remains a full-time student.
To qualify, your child has to be:
  • covered under this Plan, and
  • enrolled as a full-time student in a college or university, or
  • in the 12th grade, if the child enrolls in a college or university as a full-time student within 365 days of your death.
If there are no children who qualify for this benefit, the Plan will pay a one-time lump sum of $10,000 to your designated beneficiary.
Will my spouse receive an education benefit if I die in an accident?
If you have elected family coverage and die while covered under the Plan, your spouse may receive an education benefit. The education benefit is 5% of your principal sum benefit, to a maximum of $10,000 a year, but no more than the actual tuition,(whichever is less) for up to four consecutive years.
To qualify, your spouse has to be:
  • covered under this Plan, and
  • enrolled in a college, university, professional, or trade school, or
  • enrolled within 30 months after the date of your death.
This benefit will be paid for each year your spouse is continuously enrolled.
If your spouse ceases enrollment as a student, the benefit ends, even if he or she reenrolls at a later date. The benefit does not cover education costs that were incurred before your death.
If your spouse is not eligible for this benefit within 30 months after your death, a one-time lump sum amount of $10,000 will be paid to your designated beneficiary.
Is there a benefit if I become disabled because of an accident?
If, as a result of an injury, you are rendered permanently totally disabled within 365 days of the accident that caused the injury, the Plan will pay 100% of the principal sum at the end of 12 consecutive months of the permanent total disability. You must be age 69 or younger to qualify for this benefit. This benefit is not provided after age 69 because of significant cost considerations in providing such coverage.
Will I receive an extra benefit if I am involved in a work-related accident?
There is no additional benefit for work-related accidents under the Voluntary AD&D Plan. The Company does provide you with a Company-paid Business Travel Accident Insurance Plan.
Is there a day care benefit in case of my or my spouse's death?
If you have elected family coverage and you or your spouse accidentally dies, a day care expense benefit of up to 5% of your principal sum (not to exceed $15,000) is paid annually for up to four years to the surviving parent of a covered minor child under age 13. The annual benefit paid is not to exceed the actual cost of the day care center for that year.
If there are no family members who qualify for this benefit, a one-time lump sum of $10,000 will be paid to your designated beneficiary.
To qualify, your child has to be:
  • under age 13. and
  • covered under this Plan, and
  • enrolled in a day care center, or
  • enrolled within 365 days after the date of your death
Is there a rehabilitation benefit if I have an accident?
The Plan will pay up to $15,000 in rehabilitation expenses incurred within two years of the date causing the covered injury if you suffer an accidental dismemberment or paralysis loss that is payable under the Plan.
Is there a disability benefit for my spouse who has become disabled as a result of an accident?
100% of the spouse's principal sum is payable if they become totally and permanently disabled (as defined by the Claims Administrator) before age 70. The disability must be the result of an accident and must occur within 365 days after the accident.
Will my survivors' coverage continue if I die?
If you suffer an accidental injury which results in your covered death that is payable under the Plan, your covered family members' coverage will continue at no cost for up to six months. Coverage ends on the earliest of 6 months, the date your spouse remarries, the date the children are no longer eligible under the plan or the date the plan ends.
Is there a monthly benefit payable to my surviving covered family members if I die in an accident?
A monthly benefit of 0.5% of your principal sum will be paid for up to six consecutive months to your surviving covered spouse; otherwise, in equal shares to your surviving covered children.
Is there a maximum benefit for my family if we suffer losses from the same accident?
If both you and your covered family members suffer a loss from the same accident, the Plan's payment for all of you combined is limited to an increase in the family member's benefit by 100%, up to a maximum of $2 million, provided that all suffer loss of life within 90 days of the accident and the accident occurs at the same time or within 24 hours of each other.