Glossary
Actively-at-work
You are "actively at work" if you are fulfilling your job responsibilities at a Company-approved location on the day coverage is supposed to begin (e.g., you are not out ill or on a leave of absence).
Active Work Status
You must be actively-at-work during your approved scheduled work week and not on any type of leave.
After Tax Deductions (Employee Contributions)
Deductions taken from your pay after Social Security (FICA and Medicare) and federal unemployment insurance (FUTA) taxes and other applicable federal, state and local taxes are withheld.
Approved Spouse and Domestic Partner
Adding a spouse or same gender or opposite gender domestic partner to certain benefits coverage is permitted upon employment or during the Annual Enrollment period for coverage effective the following January 1st if you satisfy the plans' criteria, or immediately upon satisfying the plans' criteria if you previously did not qualify. To obtain spousal or domestic partner coverage, you will need to complete an Affidavit of Eligible Family Membership via PeopleLink (www.mmcpeoplelink.com), declaring that:
Spouse / Domestic Partner
  • You have already received a marriage license from a U.S. state or local authority, or registered your domestic partnership with a U.S. state or local authority.
Spouse Only
  • Although not registered with a U.S. state or local authority, your relationship constitutes a marriage under U.S. state or local law (e.g. common law marriage or a marriage outside the U.S. that is honored under U.S. state or local law).
Domestic Partner Only
  • Although not registered with a U.S. state or local authority, your relationship constitutes an eligible domestic partnership. To establish that your relationship constitutes an eligible domestic partnership you and your domestic partner must:
    • be at least 18 years old
    • not be legally married, under federal law, to each other or anyone else or part of another domestic partnership during the previous 12 months
    • currently be in an exclusive, committed relationship with each other that has existed for at least 12 months and is intended to be permanent
    • currently reside together, and have resided together for at least the previous 12 months, and intend to do so permanently
    • have agreed to share responsibility for each other's common welfare and basic financial obligations
    • not be related by blood to a degree of closeness that would prohibit marriage under applicable state law.
  • Marsh & McLennan Companies reserves the right to require documentary proof of your domestic partnership or marriage at any time, for the purpose of determining benefits eligibility. If requested, you must provide documents verifying the registration of your domestic partnership with a state or local authority, your cohabitation and/or mutual commitment, or a marriage license that has been approved by a state or local government authority.
Once your Affidavit of Eligible Family Membership is completed and processed, you may cover the dependent child(ren) of your spouse or domestic partner.
Complete your affidavit, via PeopleLink (www.mmcpeoplelink.com). Select the Finances tab and under Voluntary Benefits, click Group Umbrella Liability Ins. Then go to Take Action in the right navigation bar and select Enroll, view, change benefits.
Certificate of Insurance
Upon enrollment in the plan, you will be mailed a Certificate of Insurance to your home outlining the policy and exclusions in more detail.
Claims Administrator
Provider that administers the Plan and processes claims; the provider's decisions are final and binding.
Eligible MMA Employees
MMA employees are defined as employees classified on payroll as a U.S. regular employee of MMA Corporate, Insurance Alliance, MMA-NIA or the MMA Anchorage office.
Eligible Marsh & McLennan Companies Employees (other than MMA)
Marsh & McLennan Companies employees (other than MMA) are defined as employees classified on payroll as a U.S. regular employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than MMA and any or its subsidiaries).
Net Loss
The sum actually paid or payable due to a claim for which the employee is liable either by a settlement agreed to by the Insurer or a final judgment. Such sums will include proper adjustment for recoveries and salvage.
Waiting Period/Elimination Period
The amount of time you must wait before being able to participate in a plan.