MMC Benefits Handbook
When Coverage Starts
Existing Employees
If you are an existing employee and did not enroll when you were first eligible, you can enroll at any time. Your coverage becomes effective the date of your enrollment.
If you are enrolled and get married or acquire a domestic partner or child during the plan year, your family members will automatically be covered under the Plan.
If you get divorced during the plan year, your spouse will automatically be removed from coverage effective from the date of divorce.
Marsh McLennan New Hire (other than MMA)
Your coverage will be effective the date of your enrollment as long as you are actively-at-work on or after your date of hire.
MMA New Hire
Your coverage will be effective on the date of your enrollment as long as you are actively-at-work on or after your date of hire.
What happens if I am not at work when my coverage is supposed to begin?
Existing Employees
If you are an existing employee and you are not actively-at-work on the day your coverage is supposed to begin, your coverage will be effective on the day it is supposed to begin.
Marsh McLennan New Hire (other than MMA)
If you are not actively-at-work on the day your coverage is supposed to begin, your coverage will be effective on the first day of eligibility when you are actively-at-work, as long as you complete your enrollment.
MMA New Hire
If you are not actively-at-work on the day your coverage is supposed to begin, your coverage will be effective on the first day of eligibility when you are actively-at-work, as long as you complete your enrollment.
What happens if I am hospitalized when my coverage is supposed to begin?
If you are hospitalized on the day your coverage is supposed to begin, your coverage will start on the first day you are actively-at-work if you are a Marsh McLennan or MMA employee.