Benefits Handbook

If you enroll for Voluntary AD&D, your coverage begins on the business day after your election is saved, as long as you are eligible.

If you enroll for Voluntary AD&D, your coverage begins on the business day after your election is saved, as long as you are eligible.

If you are not Actively-At-Work on the day your coverage is supposed to begin, your eligibility date is the first day you are Actively-At-Work, as long as you complete enrollment within 30 days of your eligibility date. Voluntary AD&D insurance coverage will become effective the business day after your election is made in the Aptia365 Benefits Enrollment System.

If you are not Actively-At-Work on the day your coverage is supposed to begin, your eligibility date is the first date you are Actively-At-Work, as long as you complete enrollment within 30 days of your eligibility date. Voluntary AD&D insurance coverage will become effective the business day after your election is made in the Aptia365 Benefits Enrollment System.

If you are hospitalized on the day your coverage is supposed to begin, your coverage will start on the business day you are Actively-At-Work if you are a Marsh McLennan employee.

If your family member is hospitalized on the day your coverage is supposed to begin, his or her coverage will start immediately as long as you are Actively-At-Work if you are a Marsh McLennan employee on the day your coverage begins.