MMC Benefits Handbook
When Coverage Starts and Ends
When does coverage start?
Your coverage begins on your eligibility date if you elected coverage within 30 days of when you were first eligible.
Otherwise, if you are Actively-At-Work and you do not elect coverage within 30 days of when you are first eligible; your coverage begins once your Evidence of Insurability application is approved by the Claims Administrator.
If you are absent from work due to disability or leave of absence on the date your coverage would have become effective, your coverage will not become effective until you work one regular working day.
When does eligibility for coverage end?
Your eligibility for coverage ends:
- the date of your death
- the date the Plan is terminated
- the date you no longer meet the eligibility requirements
- the date you discontinue coverage
- the date you terminate your employment
- the date you commence an unpaid leave of absence
- the end of the period for which the premium has not been paid.
If You Die
Your Optional Long Term Disability Plan coverage ends on the date of your death. If you are receiving disability benefits under this plan, your last check will be prorated through the date of your death.
If You Are on an Authorized Unpaid Leave of Absence
Your Optional Long Term Disability Plan coverage is suspended on the date you begin an unpaid leave of absence authorized by the Company. Coverage will resume on the date you return to active employment as a regular employee.
If You No Longer Satisfy the Plan's Eligibility Requirements
Your Optional Long Term Disability Plan coverage ends on the date you no longer satisfy the plan's eligibility requirements.
Converting to an Individual Plan
The Optional Long Term Disability Plan does not offer conversion privileges. You can not convert this disability plan benefit to an individual policy when you are no longer eligible for coverage.