Making Changes to Benefits

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	Life Events

	Adding a Domestic Partner

	Child No Longer Eligible for Benefits

	Death of a Child

	Death of a Spouse

	Death of an Employee

	Getting Divorced

		About the Event

		Impact on Benefits

			Making Changes to Benefits

			When to Make Changes

			Pay-related Changes

		Other Things to Think About

		Beneficiary Elections

		Employee Assistance Program (EAP)

		Contact

	Getting Legally Separated

	Getting Married

	Having a Baby / Adopting a Child

	Spouse Gets a Job

	Spouse Leaves a Job

	Termination of a Domestic Partnership

Making Changes to Benefits

You must register the qualified family status change event and make changes to your benefit plans by accessing MMC PeopleLink's MMC Benefits Online. You must make your change within 30 days of your child's birth or adoption.

Medical Plan

You must remove your ex-spouse from coverage within 60 days of your divorce.

In addition, you may make the following changes:

enroll yourself and/or your eligible children under Company coverage if your or their coverage is lost under your spouse's plan

Coverage for your ex-spouse ends on the date your divorce is final. Your ex-spouse is eligible to continue coverage through COBRA for up to 36 months by making a timely election and paying the full group rate plus an additional two percent for administrative expenses.

This is a HIPAA special enrollment event.

Changes to this plan must be made within 60 days of your divorce.

Dental Plan

You must remove your ex-spouse from coverage within 30 days of your divorce.

In addition, you may make the following changes:

enroll yourself and/or your eligible children under Company coverage if your or their coverage is lost under your spouse's plan

Changes to this plan must be made within 30 days of your divorce.

Health Care Flexible Spending Account Plan

You may make the following changes:

enroll, but only if you lose coverage under your spouse's plan or

increase your contributions for the year or

decrease your contributions as long as you do not decrease them below what has already been paid out of your account for the year

Changes to this plan must be made within 30 days of your divorce.

Only claims incurred on or after the effective date of the qualified family status change will be eligible for reimbursement of the increased amount.

Dependent Care Flexible Spending Account Plan

You may make the following changes:

enroll, but only if you were not previously eligible (e.g., because your spouse was not working) or

increase your contributions for the year or

decrease your contributions for the year or

stop your contributions for the year

Changes to this plan must be made within 30 days of your divorce.

Only claims incurred on or after the effective date of the qualified family status change will be eligible for reimbursement of the increased amount.

Personal Accident Insurance Plan

You must remove your ex-spouse from coverage within 30 days of your divorce.

In addition, you may make the following change:

decrease the level and amount of coverage

Changes to this plan must be made within 30 days of your divorce.

Spouse Life Insurance Plan

You must make the following change:

cancel your coverage

Changes to this plan must be made within 30 days of your divorce.

Dependent Children Life Insurance Plan

If your children are no longer eligible family members, you must make the following change:

decrease your coverage or

cancel your coverage

Changes to this plan must be made within 30 days of your divorce.

Other Insurances

Coverage will end when your spouse no longer meets the eligibility requirements under the terms of the applicable plan.

If your spouse no longer meets the eligibility requirements, you must remove your spouse from coverage by accessing MMC PeopleLink's MMC Benefits Online.

Changes must be made within 30 days of your divorce.

Refer to the individual benefit plan sections for further information.

Legal Assistance Plan

If you get divorced during the plan year, your spouse will automatically be removed from coverage effective from the date of divorce.

Identity Theft Plan

Coverage will end when your spouse no longer meets the eligibility requirements under the terms of the applicable plan.

If your spouse no longer meets the eligibility requirements, you must remove your spouse from coverage by accessing MMC PeopleLink's MMC Benefits Online.

Changes must be made within 30 days of your divorce.