Benefits Handbook

If eligible, you can elect retiree medical coverage. If you elect this coverage, retiree medical coverage is considered an alternative to continuing Marsh McLennan's medical coverage through COBRA.

You can elect any of the medical plan options that are available to active employees in the state in which you reside regardless of whether you were enrolled in active employee medical coverage. When you or a covered family member reach age 65 or are covered by Medicare, those Medicare eligible family members are no longer eligible for coverage under the pre-65 retiree medical plans.

In order to initiate your retiree medical coverage election, you must call HR Services at least 30 days prior to your Retiree Medical Coverage Participation Date. Contact HR Services at +1 866 374 2662, any business day, from 8:00 a.m. to 8:00 p.m. Eastern time, to make your election. The requirement to contact HR Services at least 30 days prior to your Retiree Medical Coverage Participation Date will be waived if you elect to participate in retiree medical coverage within 60 days following your termination from Marsh McLennan.

If you are eligible to participate in retiree medical coverage and you elect to participate, your Retiree Medical Coverage Participation Date will be reflected as the 1st of the month following your termination date, or if you defer your election and elect coverage at a later date, the 1st of any month when you later elect to participate, but no later than the 1st of any month prior to the month you attain age 65 (retiree medical coverage participation dates always are on the 1st of a month).

If you defer your retiree medical coverage participation election date beyond 60 days of your termination date, you can elect to participate at a later date (no later than the 1st of any month prior to the month you attain age 65).

Your retiree medical coverage will take effect the 1st of the month following the earlier of your Retiree Medical Coverage Participation Date or the 1st of any month prior to the month you attain age 65. If you do not contact HR Services at least 30 days prior to your participation date, your coverage will begin the 1st of the next month following notification. If you notify HR Services beyond the attainment of age 65, you will be denied retiree medical coverage. The Company does not offer retiree healthcare coverage for Medicare-eligible former employees.

Note: If you elect COBRA for you and/or your covered spouse upon termination, when COBRA has been exhausted, you can enroll yourself and/or your spouse in any applicable Company retiree medical plan option within 30 days of the event (i.e. when COBRA has been exhausted). Termination of COBRA is considered a HIPAA qualifying event.

In order to initiate your retiree medical coverage election once your COBRA coverage has been exhausted, you must call HR Services within 30 days of the date in which your COBRA has been exhausted. Your retiree medical coverage will take effect the first of the month following the last day of your COBRA coverage.

To elect retiree medical coverage, you must contact HR Services at +1 866 374 2662, any business day, from 8:00 a.m. to 8:00 p.m. Eastern time, at least 30 days prior to your Retiree Medical Coverage Participation Date. The requirement to contact HR Services at least 30 days prior to your Retiree Medical Coverage Participation Date will be waived if you elect to participate in retiree medical coverage within 60 days of your termination from Marsh McLennan.

For example:

Note: If you elect COBRA for you and/or your covered spouse upon termination, when COBRA has been exhausted, you can enroll yourself and/or your spouse in any applicable Company retiree medical plan option within 30 days of the event (i.e. when COBRA has been exhausted). Termination of COBRA is considered a HIPAA qualifying event.

In order to initiate your retiree medical coverage election once your COBRA coverage has been exhausted, you must call HR Services within 30 days of the date in which your COBRA has been exhausted. Your retiree medical coverage will take effect the first of the month following the last day of your COBRA coverage.

Yes, you can terminate your retiree medical coverage at any time by sending a letter requesting the discontinuance of your retiree medical coverage to:

You must submit your termination of coverage request 30 days prior to your coverage end date (always the last day of a month). Retiree medical coverage cannot be terminated on a retroactive basis, nor can paid premiums be refunded. Also remember, terminated retiree medical coverage cannot be reinstated. You have a one-time opportunity to elect retiree medical coverage.

No. Your request to discontinue your Retiree Medical Plan coverage is not considered a qualifying event. COBRA coverage is not an available option following your termination of Retiree Medical Plan coverage.