When Coverage Starts

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	Participating in Healthcare Benefits

	Eligible Employees

	Eligible Family Members

	Enrollment

	Costs

	When Coverage Starts

	If You Have Other Coverage

	Changing Levels of Coverage

	When Coverage Ends

	Continuing Coverage

	HIPAA

When Coverage Starts

Existing Employees

If you are an existing employee and you experience a qualified family status change (such as marriage), your family member's coverage will become effective on the date of the event, if you enroll the family member within 30 days of the qualified family status change (60 days of the qualified family status change for medical plan changes).

MMC New Hire (other than Kroll and Marsh)

Your coverage will be effective on the first day you are actively at work on or after your date of hire, as long as you complete enrollment within 30 days of your eligibility date.

Kroll New Hire

Your coverage will be effective on the 31st calendar day from your date of hire (the date your active work status began), as long as you complete enrollment within 30 days of your eligibility date.

Marsh New Hire

Your coverage will be effective on the 31st calendar day from your date of hire for medical and dental plan benefits (the date your active work status began), as long as you complete enrollment within 30 days of your eligibility date.

Your coverage for vision benefits will be effective on the first day you are actively at work on or after your date of hire, as long as you complete enrollment within 30 days of your eligibility date.

What happens if I am not at work on the day my coverage is supposed to start?

If you are a new hire and you are not actively at work on the day your coverage is supposed to begin, your coverage will be effective on your first day of employment when you are actively at work, as long as you complete enrollment within 30 days of your eligibility date.

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. If you are hospitalized on the day your coverage is supposed to begin and you had prior coverage, your prior plan would pay for the confinement and ancillary charges until discharge.

What happens if I am in the hospital when my coverage is supposed to start?

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 had prior coverage, your prior plan would pay for the confinement and ancillary charges until discharge.

What happens if my family member is in the hospital when coverage is supposed to start?

If your family member is confined to a health care facility or home under a physician's care on the date coverage would otherwise become effective, your family member's medical coverage will begin the day after the hospitalization ends.

When does my child's coverage start?

A newborn natural child is eligible for coverage at birth. An adopted child is eligible for coverage on the day the child is placed for adoption or the date the adoption is finalized. A stepchild is eligible for coverage upon your marriage to his or her parent.

You must enroll your child within 30 days of the event that made the child eligible for coverage (within 60 days of the event for medical coverage). If you do not enroll the child within that period, you must wait until the next Annual Enrollment period to enroll your child.