MMC Benefits Handbook
You are "Actively-At-Work" if you are an employee classified on payroll as a US regular employee who is performing the usual duties of his/her job at the usual place of work as required by Marsh & McLennan Companies. You are considered Actively-At-Work while on Company approved vacations, holidays and regularly scheduled days off, or during temporary business closures. You are not considered Actively-At-Work if you are unable to perform your usual duties due to a sickness, accident or injury; or if you are on a leave of absence, a sabbatical or retired from the Company.
After Tax Deductions (Employee Contributions)
Deductions taken from your pay after Social Security (FICA and Medicare) and federal unemployment insurance (FUTA) taxes and other applicable federal, state and local taxes are withheld.
Certificate of Insurance
Upon enrollment in the plan, you will be mailed a Certificate of Insurance to your home outlining the policy and exclusions in more detail.
Claims Administrator
Provider that administers the Plan and processes claims; the provider's decisions are final and binding.
Net Loss
The sum actually paid or payable due to a claim for which the employee is liable either by a settlement agreed to by the Insurer or a final judgment. Such sums will include proper adjustment for recoveries and salvage.
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 or marriage at any time, for the purpose of determining benefits eligibility. If requested, you must provide documents verifying the registration of your domestic partnership with a state or local authority, your cohabitation and/or mutual commitment, or a marriage license that has been approved by a state or local government authority.
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 (, click Career & Rewards and select Mercer Marketplace Benefits Enrollment Website under Tools.
Waiting Period/Elimination Period
The amount of time you must wait before being able to participate in a plan.