MMC Benefits Handbook
When Coverage Starts
Coverage becomes effective the first of the month or the first pay period following acceptance into the Plan. Coverage will take effect only if the employee is Actively-At-Work for the prior 30 calendar day period. If this requirement is not met, the effective date of coverage will be deferred until the first of the month or the first day of the payroll billing period on which the employee is Actively-At-Work and has been Actively-At-Work for the prior 30 calendar day period.
What happens if I`m not Actively-At-Work on the effective date?
If you are an eligible employee who applied without providing Evidence of Insurability and you are not Actively-At-Work on the day your coverage is supposed to go into effect, your coverage will begin the first of the month or the first day of the payroll billing period following your return to work.
When can I change my coverage?
Long Term Care coverage selections can be changed at any time:
  • To increase the coverage level to a higher option at any time a request must be sent with satisfactory proof of good health. Upon approval, premiums for the additional coverage will be based on the age of the insured on the date the change is effective.
  • To decrease the coverage level, proof of good health is not required. The premium for the reduced coverage will be based on the original issue age.