Life Events Work Events Admin Info
Handbook
Home
 
spacer
Work Events > Military Leave and Your Benefits > Your Benefits Coverage spacer
spacer
    Work Events
        Authorized Unpaid Leave of Absence
        Leaving the Company
        Military Leave and Your Benefits
        
Your Benefits Coverage
         Will I Lose Coverage?
         Contact
        Newly Hired or Rehired Employee
        Relocation
spacer
Your Benefits Coverage
The following table showing benefits coverage reflects the provisions of the Uniformed Services Employment and Reemployment Rights Act of 1994 ("USERRA"). Note that USERRA has specific reemployment rights, and many states have also enacted statutes protecting employees on military leave; some of those statutes provide, in certain respects, broader protection than USERRA.
MMC Benefit Plan
Coverage
Medical
Coverage for you and your family continues (primary to military medical coverage). Your payroll deduction contributions will continue on a before-tax basis.*
Dental
Coverage for you and your family continues (primary for military dental coverage). Your payroll deduction contributions will continue on a before-tax basis.*
Vision
Coverage for you and your family continues (primary for military dental coverage). Your payroll deduction contributions will continue on a before-tax basis.*
Flexible Spending Accounts
You may (1) discontinue before-tax contributions and receive reimbursement for expenses incurred before the leave began, or (2) elect to continue contributions on a before-tax basis* during the leave and receive reimbursement for expenses incurred during the leave.
Basic Life Insurance
Your coverage continues based on your salary in effect prior to the military call up. There is no exclusion for declared or undeclared war.
Optional/Spouse/Dependent Children Life Insurance
Your coverage continues based on your salary in effect prior to the military call up (for Optional/Spouse Life Insurance), provided you pay the required contributions. You may not enroll in or increase coverage during the leave. There is no exclusion for declared or undeclared war, and there is no coverage for spouses or children called into military service.
Personal Life Insurance
Your coverage continues, provided you pay the required contributions.
Long Term Care Insurance
Your coverage continues, provided you pay the required contributions.
Choice Auto and Home Insurance
Your coverage continues, provided you pay the required contributions.
Pet Insurance
Your coverage continues, provided you pay the required contributions.
Legal Assistance Plan
Your coverage continues, provided you pay the required contributions.
Identity Theft Plan
Your coverage continues, provided you pay the required contributions.
Disability (Short Disability Plan, Basic Long Term Disability Plan, Optional Long Term Disability Plan, and Long Term Disability Bonus Income Plan)
Your coverage is suspended during the leave; your contributions for the Optional and Long-Term Disability Bonus Income Plans cease.
Business Travel Accident
Your coverage ends on the last day you are actively at work if you are a MMC employee (other than Kroll) or in active work status if you are a Kroll employee.
Personal Accident Insurance
If the leave is less than two months, your coverage continues, provided you pay the required contributions.* Otherwise, coverage stops when you are called to military duty. Your coverage for family members can continue through payroll deduction.
401(K) Savings & Investment Plan
Contributions
If you take an unpaid military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), retroactive contributions for all or a period of your leave can be made after you return to active employment with the Company, provided you return within the period required by USERRA.
Loans
While you are on an unpaid military leave of absence, you can continue to make loan repayments by:
  • certified check
  • bank check
  • money order
  • direct debit from checking or savings account.
Alternatively, you can suspend payments for the duration of your leave. If you suspend payments, interest continues to accrue during the leave. A maximum interest rate cap imposed under federal law could apply.
Stock Purchase Plan
Your contributions may continue (if there is salary from which to withhold). Otherwise, your contributions cease. You can withdraw the balance or keep the balance in the plan to buy shares at the end of the current quarterly purchase period.
Mercer HR Services Retirement Plan
If you take an unpaid military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), retroactive contributions for the period of your leave will be made after you return to active employment, provided that you return within the period required by USERRA and your period of absence for such military service will be counted as service for all purposes under the Plan.
MMC Retirement Plan
If you take a military or other uniformed leave of absence and such leave is covered by the Uniformed Services Employment and Reemployment Rights Act (USERRA), service credit will be provided after you return to work, provided that you return within the period required by USERRA. For the purpose of determining your accrued benefit under the Plan, you will receive credit for each regularly scheduled working hour (exclusive of overtime) during a qualifying leave and your monthly earnings will be deemed to be the same as your monthly earnings for the last month of active service prior to the qualifying leave.
Special Death Benefit
Your coverage continues.
* As long as there is salary from which to deduct. Otherwise, you will need to remit contributions on an after-tax basis.
 
spacer
spacer