MMC Benefits Handbook
When Coverage Starts and Ends
When does coverage start?
Your coverage begins on your eligibility date.
When does eligibility for coverage end?
Your eligibility for coverage ends:
  • the date of your death
  • the date the Plan is terminated
  • the date you no longer meet the eligibility requirements
  • the date you terminate your employment
  • the date you commence an unpaid leave of absence.
If You Die
Your Basic Long Term Disability Plan coverage ends on the date of your death. If you are receiving disability benefits under this plan, your last check will be prorated through the date of your death.
If You Are on an Authorized Unpaid Leave of Absence
Your Basic Long Term Disability Plan coverage is suspended on the date you begin an unpaid leave of absence authorized by the Company. Coverage will resume on the date you return to active employment as a regular employee.
If You No Longer Satisfy the Plan's Eligibility Requirements
Your Basic Long Term Disability Plan coverage ends on the date you no longer satisfy the plan's eligibility requirements.
Converting to an Individual Plan
The Basic Long Term Disability Plan does not offer conversion privileges. You cannot convert this disability plan benefit to an individual policy when you are no longer eligible for coverage