|
|
| 2-4
Employees: 1.10 (w/ long questionnaire) |
| 5-10
Employees: .90 (w/ long questionnaire) |
| 11-50
Employees: .90 (w/ short questionnaire) |
|
|
| 2-5
Employees: 1.0 (individual health statement) |
| 6-9
Employees: .95 (individual health statements) |
| 10-15
Employees: .90 (individual health statements) |
| 16-50
Employees: .90 (employer questionnaire) |
|
2-4 Employees are always quoted 1.10 |
Groups with 5-50 employees are quoted with the 1.00 RAF before the final RAF is applied in underwriting. |
| Note: Life only employees and COBRA members are not included in the overall employee count. 2-14 employees, individual health statement required. 15+, employer health questionnaire required. |
|
|
| 2-5
Employees: 1.10 (automatic w/out health statements or
option to submit long form for industry discount --
SIC sensitive) |
| 6-9
Employees: .90 (long form) |
| 10+
Employees: .90 (employer questionnaire) |
|
2-5 Employees are always quoted 1.10 |
Groups with 6-50 employees are quoted with the 1.00 RAF before the final RAF is applied in underwriting. |
| Note: Life only employees and COBRA members are not included in the overall employee count. 2-14 employees, individual health statement required. 15+, employer health questionnaire required. |
|
|
| 2
Employees: 1.10 RAF(w/ individual health statements) |
| 3 Employees: 1.00 RAF (w/ individual health statements) |
4 Employees: .95 RAF (w/ individual health statements) |
5+
Employees: minimum .90 RAF (w/ individual health statements) |
|
2-5 Employees: Automatic 1.10 RAF (individual health statement required) |
6+ Employees: minimum .90 RAF (for 2 - 24 enrolling employees, individual health statement required; for 25 or more enrolling employees, employer level health questionnaire required)
|
