Glossary
Active Work Status
You must be actively-at-work during your approved scheduled work week and not on any type of leave.
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).
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
    • not be Medicare eligible
    • 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 Insurance Benefits, click Business Travel Accident. Then go to Take Action in the right navigation bar and select Enroll, view, change benefits.
Beneficiary
The person or entity you designate to be entitled to benefits when you die. For Spouse and Dependent Children Life Insurance, Personal Life Insurance, and Personal Accident Insurance, you are automatically the beneficiary if a covered family member dies.
Coma
Coma/comatose means profound state of unconsciousness from which you cannot be aroused to consciousness, even by powerful stimulation, as determined by a physician. The coma must continue for 30 continuous days.
Dismemberment
The loss of one or more arms, legs, hands, feet, hearing, speech, or eyesight because of an accident that doesn't cause death.
Earned Commissions
Earned commissions means commissions that have been paid and are not subject to retroactive reduction.
Eligible MMA Employees
As used throughout this document, "MMA Employees" are defined as employees classified on payroll as U.S. regular employees of MMA.
Eligible Marsh & McLennan Companies Employees (other than MMA)
As used throughout this document, "Marsh & McLennan Companies Employees (other than MMA)" are defined as employees classified on payroll as U.S. regular employees of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than MMA and any of its subsidiaries).
Regular Draw
Regular draw means a draw against commissions not subject to retroactive deduction.
Salary
For Marsh & McLennan Companies employees (other than MMA):
Salary for the purpose of the Plan is your annual base salary (excluding overtime, bonuses, commissions, and other extra compensation).
For MMA employees:
Salary for the purpose of the Plan is your annual base salary, regular draw and earned commissions.