We need to set up a disability plan that allows employees to choose either $10K or $20K worth of coverage and the premium they pay is based on their age at time of enrollment. If an employee enrollees and then changes their level of coverage the premium rate will still be based on their age at initial enrollment, not their age at the time of coverage change. Anyone have a plan set up that works this way? We are stumped on how to set up the parameter to look at age at time of enrollment and not have them move to another band if changes occur.
