Coverage levels, in basic terms, are the election choices an administrator gives to employees. The Coverage Levels for a plan can be edited and read in any manner the administrator decides.

For example:

• For Medical or Dental benefits, these will be employee-only or possibly employee + spouse.
• For supplemental life benefits, the coverage may be $10,000 or $120,000.

Some coverage level options will depend on the type of benefit. 

The 'Coverage Level' tab provides columns for:

• Coverage Level - The name of your coverage level. 
• Default Coverage Level -  The default coverage level for a plan.
• Display Order
• Coverage Level Rank
• Flat Benefit Amount
• Compensation Multipliers
• # Employees Enrolled

You can modify some fields directly from the list, such as the display order, coverage level rank, flat benefit amount, and compensation multiplier. If you have modified any of the provided fields, click Save to save your changes.

Actions

The Actions drop-down menu allows you to:

• Add Coverage Level
• Duplicate Selected Records
• Delete Selected Records

Add or Edit a Coverage Level

1. Click Add Coverage Level from the Actions drop-down menu to create a new coverage level or click the name of an existing coverage level.

   

2. Enter the name, coverage codes, deduction codes, etc.

   

   • This coverage level will be the default selected coverage level assigned to an employee when creating a benefit record (unless otherwise specified via a Rollover Mapping) - This option should be enabled if the specific coverage level should be the default for employees when electing the benefit. 
   • Coverage Code - Specify if the coverage is Waived or Non-Waived. This is used to exclude "Waive" coverage levels from reports and data exports.
   • Name - The name of the coverage level.
   • Name (spanish) - The Spanish name of the coverage level.
   • Assigning Payroll or Carrier Codes to this Coverage Level
     • Coverage Code
     • Deduction Code - When assigning values from Setup > Setup Properties > Field Value Setup > Deductions, the Deduction Code and Deduction Code (Post Tax Split) will save a Deduction Record to the Employee > Payroll > Deductions screen following any Add or Update to an Employee's Election. 
     • Deduction Code Alt 1
     • Deduction Code Alt 2
   • Contribution Options
     • Contribution Entry Type - Controls the Entry Input Type for this Coverage Level. The Flat Amount Entry Type will require that a flat contribution amount be entered by the enrollee. This is generally used for FSA or HSA Benefit Types. The Percent of Compensation type will require that a percent be entered by the Enrollee. This is generally used for Retirement Benefit Types.
     • Min Contribution Allowed - Used to control the minimum contribution (either flat amount or percent, depending upon the Entry Type) that will be allowed for this Coverage Level.
     • Max Contribution Allowed - Used to control the maximum contribution (either flat amount or percent, depending upon the Entry Type) that will be allowed for this Coverage Level.
   • Employer Contribution / Matching Options
     • No Match / Employer Contribution
     • Flat Employer Contribution
     • Percent Match
       • Level 1: Match X% of employee contribution up to X% or up to the flat amount of X
       • Level 2: Match X% of employee contribution up to X% or up to the flat amount of X
   • Advanced Dependent Eligibility
     • The minimum number of dependents that an employee must have on file to be eligible X - Specify how many dependents an employee must have to be eligible. 
     • The employee will be eligible for this coverage level if they have more than the minimum number of required dependents.
     • A spouse is required to be eligible for this coverage level.
     • A spouse is included in the count of required Minimum Dependents.
3. Click Save when finished.

Duplicating a Coverage Level

If you are creating multiple similar coverage levels with little differences, such as only differences in flat benefit amounts, it can help to duplicate a standard coverage level instead of making each coverage level individually.

1. Select the coverage level(s) to duplicate with the checkbox(es) to the right.

   

2. Click Duplicate Selected Records from the Actions drop-down menu.

   

3. Confirm the duplication.

   

4. The duplicate coverage level(s) will be added to the list with "- Copy" appended to the name.

   

Deleting a Coverage Level

1. Select the coverage level(s) to delete with the checkbox(es) to the right.

   

2. Click Delete Selected Records from the Actions drop-down menu.

   

3. Confirm the deletion.