Coverage becomes effective the first of the month following acceptance into the Plan.

If you are a MMC employee (other than Kroll) who enrolled without providing evidence of insurability and you are not actively at work, or a Kroll employee and not in active work status, on the day your coverage is supposed to go into effect, your coverage will begin the first of the month following your return to work.

You can decrease your coverage any time during the year.

Evidence of Insurability is required to increase your coverage.