MMC Benefits Handbook
When Coverage Ends
When does eligibility in the Plan end?
Your eligibility for Individual Disability Insurance Plan coverage will continue until the earliest of the following:
- the date of your death
- the date the Plan is terminated
- the date you discontinue coverage
- the date your employment is terminated
- non-payment of premium.
The Plan includes a portability feature that allows you to continue coverage on a direct bill basis after your termination of employment.
Can I take my Individual Disability Insurance policy with me if I leave the Company?
Yes. You own this policy and you can take it with you and retain the same rate including the discount applicable because it is offered to employees of Marsh McLennan.
How do I continue my Individual Disability Insurance policy when I leave the Company?
If for any reason your employment with Marsh McLennan is terminated (including if you transfer employment to a non-participating entity within Marsh & McLennan Agency LLC), you are eligible to continue coverage under your Individual Disability Insurance policy. When Marsh McLennan notifies Unum of your termination of employment, Unum will provide you with a description of the rules regarding portability and how you can continue coverage under your individual policy.