The "Benefit Dependencies" tab allows you to specify which benefit a benefit is dependent on. This can simplify your benefits by preventing enrollment in unnecessary benefits if the required benefit is waived.

When using this option, the dependent benefits should be listed after the benefit they depend upon. For benefits that are not dependent on other benefits, please disregard this tab entirely.

Enrollment in this benefit is dependent upon enrollment in the following benefit - Enable and select the benefit that the current benefit is dependent on from the dropdown menu with all previously created benefits.

For example, while setting up the spouse's supplemental life, you can select the employee's supplemental life as the dependent benefit in the dropdown option. Nothing special needs to be selected for the employee supplemental life, but you must select employee supplemental life as the dependent benefit for spouse supplemental life.

Specify the Rules of Dependency

• The Elected Coverage Level for this benefit must match the elected coverage level of the benefit selected above: For this option, you must have identical coverage level ranks within your dependent benefit and the benefit with the dependency. You will see the coverage level rank at the plan level under Step 2 - Coverage Levels. If level 2 is selected in the original benefit, then dependent election will only allow the employee to elect whatever level 2 is. An employee cannot waive if the original benefit was not selected as waived with a matching level rank.
• The Elected Coverage Level for this benefit must either be Waive OR match the elected coverage level of the benefit selected above: Identical as first selection, but allows employees the option to waive or only select the same coverage level through the level rank field from the dependent benefit. Employees with this option get two coverage options, but nothing else.
• The elected Benefit Amount for this benefit must not exceed the following percentage of the elected Benefit Amount for the Benefit selected above: X %: This option will allow employees to elect up to the percentage chosen for the benefit that the dependent benefit is looking to, or any option less than that desired percentage. If the percentage is set at 50% and the employee elects $410,000 option in the benefit that the dependent benefit is based on, then the employee will only see $50,000 option, along with waive and other elections that are less than 50 percent of the initial benefit election.
• Base the Benefit Amount dependencies on the Benefit Amount of the Benefit selected above before Age Reductions are applied: This option is added to the percentage election if desired. The system can apply a percentage of the initial benefit before age reduction. If age reductions start at age 70, where employees receive 65% of the initial benefit for say a $100,000 election, then the system will still allow the dependent benefit election to be $50,000 instead of $32,500.