MMC Benefits Handbook
When Coverage Starts
Marsh & McLennan Companies Employees
Coverage starts on January 1 if you:
  • are Actively-At-Work,
  • elected coverage when you were first eligible, and
  • already enrolled in the Optional Long Term Disability Plan.
Otherwise, if Actively-At-Work and you join:
  • when you are first eligible and you are not enrolled in the Optional Long Term Disability Plan, coverage begins at the same time that enrollment in the Optional Long Term Disability Plan becomes effective, or
  • after you are first eligible and you are already enrolled in the Optional Long Term Disability Plan, coverage begins once your Evidence of Insurability application under the Long Term Disability Bonus Income Plan is approved by the Claims Administrator, or
  • after you are first eligible and you are not enrolled in the Optional Long Term Disability Plan, coverage begins once your enrollment in the Optional Long Term Disability Plan becomes effective and your Evidence of Insurability application under the Long Term Disability Bonus Income Plan 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.
MMA Employees
Coverage starts on January 1 if you:
  • are Actively-At-Work,
  • elected coverage when you were first eligible, and
  • already enrolled in the Optional Long Term Disability Plan.
Otherwise, if Actively-At-Work and you join:
  • when you are first eligible and you are not enrolled in the Optional Long Term Disability Plan, coverage begins at the same time that enrollment in the Optional Long Term Disability Plan becomes effective, or
  • after you are first eligible and you are already enrolled in the Optional Long Term Disability Plan, coverage begins once your Evidence of Insurability application under the Long Term Disability Bonus Income Plan is approved by the Claims Administrator, or
  • after you are first eligible and you are not enrolled in the Optional Long Term Disability Plan, coverage begins once your enrollment in the Optional Long Term Disability Plan becomes effective and your Evidence of Insurability application under the Long Term Disability Bonus Income Plan 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.