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Traditional Specific/Aggregate Underwriting Guidelines

Group Size
30-50 employees
51-100
101-199
200-299
300-399
400-499
500-599
600-799
800-999
1,000-1,999
2,000-3,999
4,000-4,999
5,000-7,499
7,500+
Recommend Specific Deductible
$15,000
$20,000
$25,000
$30,000
$40,000
$50,000
$60,000
$70,000
$85,000
$100,000
$125,000
$150,000
$165,000
$200,000
Contract Types: 12/12, 15/12, and 18/12 (for new business to TPA)
12/12, 15/12, 18/12, and 24/12 (for renewal business)
Maximum Expenses: 15% Producer Commission
Excluded Industries: Associations, MEWAs, Casinos, PEOs, Indian Tribes, and Leasing Firms
Lifetime Maximums: Specific: up to $2,000,000
Aggregate: $1,000,000