MMC Benefits Handbook
When Coverage Starts
Coverage starts on September 1 if you:
  • are Actively-At-Work, and
  • elected coverage when you were first eligible, and
  • application for coverage is approved by Unum.
If you are absent from work due to disability or leave of absence on the date your coverage would have become effective, your coverage will not become effective until you work one regular working day. Unum will only issue an Individual Disability Insurance policy to eligible individuals who are actively-at-work.