MMC Benefits Handbook
Child Coverage — How the Plan Works
When you elect GVUL insurance coverage for yourself, you can also elect coverage for your eligible dependent child(ren). The Plan pays money to you if your covered child dies.
The child death benefit options for your eligible children are:
There are no benefits paid in the event of suicide, while sane or insane, within two years from the effective date of coverage. In the event of suicide (while sane or insane) after this initial two-year period, any increase in coverage must be in effect for at least two years.
Will my benefits be reduced as my child gets older?
There is no reduction of the child coverage amount because of your child's age.
Are there any losses not covered under the Plan?
There are no benefits paid in the event of suicide, while sane or insane, within two years from the effective date of coverage. In the event of suicide (while sane or insane) after this initial two-year period, any increase in coverage must be in effect for at least two years.
Does the child coverage pay an additional amount for an accidental death?
No, the Plan doesn't pay any additional amount for accidental death.
The Company has a separate Voluntary Accidental Death & Dismemberment Plan (AD&D) in which you may cover your eligible family members.
If I am on an authorized unpaid leave of absence, does the Plan still provide a benefit?
You may continue coverage, provided you pay the required contributions. You may not enroll for or increase coverage while you are on a leave of absence.
If I am disabled, does the Plan still provide a benefit?
If you are totally disabled, your Life Insurance portion of your coverage will continue for as long as you receive benefits under the Company's Basic Long Term Disability Plan. You must make any other premium payments under this Plan, including for Spouse and Child(ren) Life Insurance coverage and any premiums for Investment options, to keep that portion of the coverage in force.
If I Die
Your child's coverage ends when you die.