COBRA Eligibility and Enrollment

MMC Benefits Handbook

You are eligible for COBRA continuation if you are enrolled in Company-sponsored coverage and lose coverage due to a qualifying event. Note: An event is a qualifying event only if it causes a covered family member (beneficiary) to lose coverage.

Qualifying for Coverage/Qualifying Events

You and your covered family members can continue medical, dental, vision, Health Care Flexible Spending Account, Limited Purpose Health Care Flexible Spending Account, Employee Assistance Program (EAP), Teladoc Medical Experts, and/or Health Advocate coverage for up to 18 months (Health Care Flexible Spending Account and Limited Purpose Health Care Flexible Spending Account coverage continues through the end of the calendar year of the qualifying event) if:

your employment terminates, unless you were terminated because of gross misconduct

you experience a reduction in hours.

Although not required by law, Marsh McLennan currently allows you to continue medical, dental, vision, Health Care Flexible Spending Account, Limited Purpose Health Care Flexible Spending Account, Employee Assistance Program (EAP), Teladoc Medical Experts, and/or Health Advocate coverage for up to 18 months (Health Care Flexible Spending Account and Limited Purpose Health Care Flexible Spending Account coverage continues through the end of the calendar year of the qualifying event) if your status is changed to temporary from regular.

Your covered family members can continue coverage for up to 36 months if:

you become divorced or legally separated

you die while you are covered under an eligible plan

your family member no longer qualifies as an eligible family member

you are a retiree who participates in a Company medical plan and the Company files for bankruptcy.

The coverage period for eligible family members may be longer if you enroll in Medicare while covered by COBRA. If you experience an employment termination or a reduction of hours following Medicare enrollment, your spouse and dependent child(ren) who are your covered family members may elect COBRA coverage for up to 36 months from the date of Medicare enrollment or 18 months from the employee's termination or reduction in hours, whichever is longer.

Periods of Coverage:


Qualifying Events	Covered Family Members	Coverage
Termination of employment Reduction of hours	Employee Spouse Dependent child	18 months*
Employee enrolled in Medicare Divorce or legal separation from employee Death of covered employee	Spouse Dependent child	36 months
Loss of "dependent child" status	Dependent child	36 months

* In the case of individuals who are determined by the Social Security Administration to be disabled when they leave the Company or within the 60 calendar day COBRA election period, special rules may apply to extend coverage by an additional 11 months for the disabled individual and other individuals who are qualified beneficiaries with respect to the same qualifying event.

Participants in the Health Care Flexible Spending Account or Limited Purpose Health Care Flexible Spending Account may be eligible for COBRA coverage. This COBRA coverage may continue only until the end of the calendar year in which the qualifying event occurs and may not be continued into the next calendar year.

You can continue your Health Care Flexible Spending Account or Limited Purpose Health Care Flexible Spending Account for the balance of the calendar year if you go on an unpaid leave of absence or terminate employment.

You can continue coverage under the Employee Assistance Program, Teladoc Medical Experts, and/or Health Advocate through COBRA if you experience a COBRA qualifying event and register your event within the legally allowable time frame.