You can name anyone you wish as a beneficiary. You name or change a beneficiary by completing a Beneficiary Designation Form.

You can download the Beneficiary Designation Form by logging onto MMC PeopleLink. Click on "View and print forms", then click on "Beneficiary Designations" and select the appropriate form.

Return the completed form as it instructs. You are always the beneficiary if your covered family members die.

If you do not name a beneficiary, or if your beneficiary isn't alive when you die, the benefit will go to your estate.

The Plan permits absolute assignment by gift. Assignments are generally made to a spouse or an adult child, or a trustee of an executed trust agreement. You may obtain an Assignment of Insurance Form by using the link provided. Any such assignment will irrevocably transfer the right, title, interest and incidents of ownership, both present and future, in such benefits.

The assignment form must be reviewed, approved and authorized by the appropriate insurance company representative.

Assignment of benefits may involve federal and state income gift and estate tax questions. Legal advice from an attorney prior to making an assignment is recommended.

If you and your beneficiary die at the same time, your benefit [and your beneficiary(ies)] will be determined based on the New York Estates, Powers & Trust Law governing multiple deaths, which generally provides that the benefit will be distributed as if you survived your beneficiary if there is no sufficient evidence that your deaths were not simultaneous.