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 to be 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.
Approved 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 spousal or 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.
- 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
- not be Medicare eligible
- 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 spouse or domestic partner, you will be required to agree to the Affidavit of Eligible Family Membership. Go to Colleague Connect (https://colleagueconnect.mmc.com), click Career & Rewards and select Mercer Marketplace Benefits Enrollment Website under Tools.
Before Tax Deductions (Employee Contributions)
Contributions taken from your paycheck generally before Social Security (FICA and Medicare) and federal unemployment insurance (FUTA) taxes and other applicable federal, state, local and other income taxes are withheld.
For certain plans, such as the 401(k) Savings & Retirement Plan and the Supplemental Savings & Retirement Plan, contributions are taken from your paycheck after Social Security and federal unemployment insurance taxes are withheld but before federal, and, if applicable, state or local income taxes are withheld.
A health care professional from a Care Management Organization.
Care advisors do not identify medical conditions (the insured individual's physician does this). Services performed by care advisors include:
- assessing long-term care needs;
- developing a long-term care service plan;
- requisitioning and coordinating long-term care services;
- implementing the long-term care service plan; and
- periodically monitoring and reassessing long-term care services.
A Chronically Ill individual is a person who has been certified by a licensed Health Care Practitioner as:
- Being unable to perform, without substantial assistance (either standby assistance or hands-on assistance) from another individual, at least two Activities of Daily Living for a period of at least 90 days due to a loss of functional capacity. In addition, this loss of functional capacity must, at first, be expected to exist for a period of at least 90 days; or
- Requiring substantial supervision to protect the person from threats to health and safety due to Severe Cognitive Impairment.
Evidence of Insurability
Evidence of Insurability is proof of good health and is generally required if you do not enroll for coverage when you first become eligible, if the coverage level you are requesting requires such evidence, or if you are increasing coverage. Establishing Evidence of Insurability may require a physical examination at the employee's expense. The Evidence of Insurability must be provided to and approved by the insurer before coverage can go into effect.
An economy-wide increase in costs and prices from one year to the next.