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Spaggregate® Underwriting Guidelines

  • Case Size: Minimum of 25 lives required to quote
  • Participation Requirements: 75% Participation
  • Ineligible Industries:
    1. PEOs
    2. Casinos
    3. Nursing Homes
    4. Long Haul Trucking
    5. Employee Leasing Firms
    6. Hotels
    7. Indian Tribes
    8. Bars
  • No outside HMO involvement
  • No Indemnity plans
  • Groups with over 20% over age 60 will be declined
  • No Manual quotes on groups over 150 lives
  • Current rates & renewal rates if available are required along with the current Schedule of Benefits
  • Claim experience is required on groups currently self-funded or if experience is made available to employer
  • Contracts:
    1. 12/12
    2. 15/12
    3. 24/12 @ Renewal
    4. 12/18