Life Events and Family Status Changes
Mid-year plan changes are only allowed if you have a life event that allows a change to your benefits. Changes must be made within 30 days of life event and must be consistent with the life event. Documentation of the event is required. Open Enrollment is the only time of the year you may change your benefit elections without a qualifying life event. The following are examples of life events:
- Adoption, Birth, or Legal Guardianship
- Employment Status Change
- Change in Work Schedule
- Change in Dependent Status
- Gain or Loss of Other Coverage
- Significant Change in Cost
*Marriage would allow adding stepchild(ren) but not spouse unless eligible as a Legally Domiciled Adult.
Transfer Between Two Participating Employers
Employers that participate in MCC benefit plans are offering the same plans. Therefore, if you leave employment at one participating employer and begin employment at another participating employer, this is a transfer and your benefit elections transfer with you. You generally are not allowed to make any change in your benefit selections including adding or removing dependents. If the transfer causes another qualifying life event to occur, then you may be able to make appropriate benefit election changes due to that life event. Please contact MCC Benefits Team at 800-395-5565 to discuss options.
Termination/Separation From Employment
Your benefits will stop at the end of the month in which in terminate employment. If you need a letter documenting loss of coverage, please contact MCC Benefits at 800-395-5565.
- COBRA continuation of health coverage is not available.
- Life insurance plans offer the ability to continue your coverage through portability or conversion.
If you are retiring and plan to start your pension benefits from the Lay Employees’ Retirement Plan, please contact MCC Benefits team at least 90 but not more than 180 days prior to retirement to request a retirement application packet.
MCC does not offer retiree health benefits.
Please see Termination.
Death of an Employee
Life insurance benefits are payable according to the Life Policy upon the death of an employee. If the employee is vested in the Lay Employees’ Retirement Plan there is a pre-retirement death benefit payable to the employees’ beneficiary.
Please make you have a beneficiary named for Life Insurance, Option life Insurance and Lay Employees’ Retirement Plan as applicable. Beneficiary information is available on Employee Self-Serve and beneficiary forms are available in Forms.