Dependent Life Insurance plan set up as Coverage Option

Does anyone have their dependent life plan set up as Coverage Type = Coverage Options? And if so does this work well for you?

We currently have our dependent life insurance options set up as separate plans and Coverage Type = Coverage Amounts. Plan A $10,000 coverage; Plan B $20,000 coverage; Plan C Waive Coverage. We are prepping to launch new hire benefit enrollment (with Intellias Benefit Addins) and we would like dependent life options to display similar to how health & dental display (so the coverage amount and cost appear on the same screen). They explained only Coverage Option benefits can display this way. Wondering if setting up a new plan is our answer or if we need to live with it as is.

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unknown

We aren't live with Benefits yet but we setup our Child Life as a H&W Vision plan with Coverage Options/Options Amount with a Coverage Options Table that lists out all of the enrollment options ($5k, $10k, $15k, $20k) just like coverage tiers (Individual, Dual, Family). We were able to do this for this plan type because Child Life doesn't require a dependent on record, which means there's no EOI to worry about. Even though we aren't live yet, I have tested this setup many times and it is working well.

I noticed this is an old post, so I'm curious if you ended up going with the separate plans or if you tried combining them and how that worked for you?

unknown

Thanks for the response! I like how you set it up as coverage options. We did not change the set up of our plans and currently have 3 plans ($10K, $20K & Waive). Another idea I thought of but didn't try (too many other things going on) is to use 1 plan code with a coverage type of Coverage Amounts and then define the coverage as Increments of $10K with a min of $10K & a max of $20K. Not sure if the system would even allow this. Doing this would mean the coverage amount would need to be entered when doing the enrollment and not just automatic based on plan elected so that would be an extra entry for the benefits staff to make.

unknown

We were going to try that option but, as you said, you do have to enter the coverage amount during an enrollment and the system doesn't display your options, so the employee/benefits staff could enter any number they want. The system will enforce the rules you setup- for example, if the user enters anything other than $10k or $20k they would receive an error message- but it's not the greatest user experience.

Since our Spouse Life Insurance does require a spouse on file and does have EOI, we had to set that up as multiple plans just as you did. I'm not too excited about going live like this because I'm concerned we will have issues with EOI and our interfaces, but I guess it is what it is

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