Opensource Setup Guide For HCM - Benefits v1.0

OpensourceSetupDataforFusionBenefits
OpensourceSetupDataforFusion
Benefits
17Feb2012

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Table of Contents
Overview.......................................................................................................................................................3
BenefitsSetupDocumentation.....................................................................................................................4
BenefitsObjectHierarchies..........................................................................................................................4
BenefitsComponentCreationSequence......................................................................................................5
SetupandMaintenanceofDerivedFactors.................................................................................................7
OpensourceSetupforDerivedFactors.....................................................................................................8
ManageBenefitEligibilityComponents........................................................................................................8
OpensourceSetupforEligibilityProfiles................................................................................................11
SetupandManagementofBenefitLifeEvents..........................................................................................12
OpensourceSetupforLifeEvents...........................................................................................................14
ManageBenefitProgramsandPlansBenefitsHierarchyObjects:HowTheyWorkTogether...................15
OpensourceSetupforPlanTypes...........................................................................................................17
SetupofBenefitOptions.............................................................................................................................18
OpensourceSetupsforOptions..............................................................................................................18
BenefitPlanCreationMethods...................................................................................................................20
OpensourceSetupsforBenefitPlanswithOptions................................................................................24
DefinedRateFrequencyandCommunicatedRateFrequencyValues.......................................................25
OpensourceSetupsforBenefitRates.....................................................................................................25
HowCoveragesAreCalculated..................................................................................................................39
OpensourceSetupforPlanCoverages..................................................................................................40
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Overview
Asanindustrythoughtleader,OracleFusionHCMDevelopmenthasworkedwithvarious
implementationpartnersintheUSandtheUKtocreatethebodyofknowledgeforkeyImplementation
initiatives.ThegoaloftheOpenSourceDataistodeliverrealworld,bestpracticesetupdata.Thisdata
ismadeavailableforimplementingFusionHCMcustomersforthepurposeofachievingarapid,
accurate,andcosteffectivesetupofkeyconfigurationtableswithintheapplications.Thislibraryis
intendedtogrowovertimewithcontributionsfromcustomersandimplementationpartners.
Asanimplementingcustomerand/orpartner,youcanusethisdatatosetupyoursystemfortesting,for
aproofofconceptand/ortocreateafinalconfigurationforgolive.Anautomatedutilitytoreview,
select,andimportsetupdatarelevanttoyourbusinessisunderdevelopmentandwillbemadeavailable
toOraclecustomersinthefuture.Untilthatutilityisavailable,youandyourimplementationteamcan
manuallymodifyandenterthebenefitssetupswhichhavebeendevelopedbasedonbestpractice
setups.
ThisdocumentisintendedtoworkinconjunctionwiththeOpensourceSetupDataforFusionBenefits
spreadsheet.Thedocumentwalksyouthroughthesetupstepsforimplementingandgivesyour
implementationteamahighlevellistofitemsthattheycansetupforeachimplementationtask.The
spreadsheetwillgiveyounavigationaswellasdetailsetupsanddata.
Disclaimer
ThisRUP1ContentDocumentdescribesproductfeaturesthatareproposedforthespecifiedrelease
ofOracleFusion.Thisdocumentdescribesnewfunctionalityonly.
Thisdocumentinanyform,softwareorprintedmatter,containsproprietaryinformationthatisthe
exclusivepropertyofOracle.Youraccesstoanduseofthisconfidentialmaterialissubjecttothe
termsandconditionsofyourOracleSoftwareLicenseandServiceAgreement,whichhasbeen
executedandwithyouagreetocomply.Thisdocumentandinformationcontainedhereinmaynot
bedisclosed,copied,reproducedordistributedtoanyoneoutsideOraclewithoutpriorwritten
consentofOracle.Thisdocumentisnotpartofyourlicenseagreementnorcanitbeincorporated
intoanycontractualagreementwithOracleoritssubsidiariesoraffiliates.
Thisdocumentisforinformationalpurposesonlyandisintendedsolelytoassessthebusiness
benefitsofupgradingtoFusion,andassistyouinplanningfortheimplementationandupgradeofthe
productfeaturesdescribed.
Itisnotacommitmenttodeliveranymaterial,code,orfunctionality,andshouldnotbereliedupon
inmakingpurchasingdecisions.Thedevelopment,release,andtimingofanyfeaturesor
functionalitydescribedinthisdocumentremainsatthesolediscretionofOracle.
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BenefitsSetupDocumentation
Therearemanyfactorsthatneedtobethoughtthroughwhensettingupbenefits,soneedlesstosay
therearemanysetupsthatneedtobedefinedtosetupyourbenefitsprograms.Thisdocumentis
intendedtobeusedbycustomerstohelpflushoutyourbenefitprogramrequirementsand
configurations.AlongwiththisWorddocumentyoushouldalsohaveaspreadsheetoftheconfiguration
setupswiththecompletedetailsofthesetup.
TheOpensourceSetupsallhaveaneffectivedateof01/01/1950.Ifitisdecidedthatyouwillcreate
yourownsetupswesuggestthatyouusethesameeffectivedate,sothatyoucanconvertemployee
recordsandmakeanychangestothehistoryofarecord.
Clientsshouldnotusethedeliveredtemplatesasis.Witheveryimplementationyouwillneedtochange
theLegalEntityforthesetupsaswellaschangetheratesoftheplanstoreflectthecorrectrates,
enrollmentperiods,etcClientsshouldreviewalldetailsandmakeneededchangesbeforebeginning
thesetups.
InRup2OracleBenefitswillbedeliveringaspreadsheettemplatethatcanbeuploadedintothe
application.ThistemplatewillenablecustomerstotaketheOpensourcetemplate,makeanynecessary
changesforyourbusinessandthenuploadthetemplatetoyourenvironment.Thiswillallowyouto
review,spellcheckandstandardizeyoursetupsbeforeloadingthemintothesystem.
BenefitsObjectHierarchies
Thesequenceforcreatingbenefitshierarchyobjectsdiffersfromtheresultinghierarchicalorder.You
cancreatenewobjectsasneededatanytime.However,becausesomebenefitshierarchyobjectsare
referencedduringthedefinitionofotherbenefitshierarchyobjects,itismoreefficienttocreatethese
objectsintheordershowninthefigure.Thisfigureillustratesthemostefficientsequenceforcreating
benefitshierarchyobjects:plantypes,options(ifused),plans,thenprograms.
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1.Beginbycreatingoneormoreplantypes.PlanTypesorganizeplansintogroupsthatprovide
similarcategoriesofbenefits,suchashealth,savings,education,andsoon.AtthePlanTypelevel
ofthehierarchy,youcanefficientlyadministercorporatebenefitspoliciesthatapplyacrossall
planswithinthatbenefitcategoryortype.
2.Whencreatinganoption,youcanoptionallyassociateoneormoreexistingplantypes.This
restrictstheavailabilityoftheoptiontoplansthatbelongtothenamedplantypes.
3.Whenusingtheplanconfigurationprocesstodefinebenefitplandetails,youmustassociateone
existingplantype,andcanoptionallytieexistingoptionstotheplan.
4.Whenusingtheprogramconfigurationprocesstodefineprogramdetails,youcanassociate
existingplantypesandexistingplanswiththeprogram.
BenefitsComponentCreationSequence
Thefollowingfigureillustratessomeofthedependenciesamongsetupdatacomponents,showing
severaltypesofsetupcomponentsorganizedaroundtheperipheryofthemainbenefitsobjects.Some
typesofcomponentsaredeliveredandsometypesarenot.
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Hereisadditionalinformationaboutsomeofthesetupcomponentsinthefigure.
Alengthylistofderivedfactorsisdelivered.Variouscombinationsofderivedfactorscanbeusedto
definedifferenteligibilityprofiles.InthisdocumentyouwillfindadditionalOpensourcesuggested
derivedfactorsandeligibilityprofiles.
Sometemporalandscheduledlifeeventsaredelivered.OntheCreateLifeEventspage,youcan
extendthelistofavailablelifeeventsbycreatingasmanyofyourownuniquelifeeventsasyou
need.Youcansetuplifeeventssothattheywillbetriggeredbycertaintemporalderivedfactors,such
asageorlengthofservice.Lifeeventsarereusable,andcanbeusedtocontrolenrollmentatthe
program,plan,andoptionlevels.InthisdocumentyouwillfindadditionalOpensourcesuggestedlife
events.
Theenrollmentcertificationtypesanddeterminationrulesaredelivered.Youcannotextendthe
availablelistofcertificationtypesordeterminationsrules,butyoucanrenametheexistinglookup
valuesthatappearinthosefields.Youcanselectdifferentcombinationsoftypesandrules,andthenset
uptheassociationwithplansontheplanconfigurationprocesscertificationpage.
Asetofactionitemsaredelivered.Youcannotextendthelistofavailableactionitems,butyoucan
renamethemontheManageActionItemspage.Youcanassociateactionitemswithdesignation
requirementsattheplantypelevelorattheplanlevel,butnotatbothlevelswithinthesameobject
hierarchy.
Noeligibilityprofilesaredelivered,howeverOpensourcehasdeliveredsuggestedeligibilityprofilesas
youwillseelaterinthedocument.Youcancreateasmanyeligibilityprofilesasyouneed.Eligibility
profilesarereusable.Youcanassociateeligibilityprofilesatthefollowinglevels:optioninplan,plan,
planinprogram,plantypeinprogram,andprogram.Eligibilityprofilesarealsousedindefinitionsfor
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variablerateandvariablecoverageprofiles.Aneligibilityprofilemustbespecifiedwhenyoucreate
variablerateorvariablecoverageprofiles.
Asetofoptiontypesaredeliveredforselectionwhenyoudefineyourplantypeobjects.Inaddition
Opensourcehasidentifiedadditionaloptiontypesthatyoumaywanttoconsiderforyour
implementation.Optiontypescontrolinternalprocessing.Forexample,plantypesintheHealth
coveragecategoryareprocesseddifferentlythanplantypesforSavings.Thedeliveredlistofoption
typesisnotextensible.
Ratesandcoveragessetupfollowsplanandoptionsetupbecauseratesandcoveragesarespecificto
namedplansandoptions.Ratesandcoveragescanbeassociatedatmanylevelsinyourconfiguration,
suchasplan,optioninplan,andoptioninplaninprogram.Opensourcealsodeliverssuggestedrates
andcoveragespleasenoteifyoudecidetousetheOpensourceconfigurationyouwillneedtochange
ratesamountsaseachcustomerhasdifferentrates.
Variablerateandcoverageprofilescanbeassociatedwithratesandcoverages,respectively,sothat
thecalculatedresultsvarywithfactorsthatchangeovertime,suchasagegrouporworklocation.
Ifyoudefinecoverageacrossplantypes,thatsetupoccursaftersettinguptheaffectedprograms.
Youmustselectoneexistingprogramandoneormoreexistingplantypesduringsetupofcoverage
acrossplantypes.
________________________________________________________________
Note
Youwillnotalwaysperformsetupforallofthecomponentsshowninthefigure.
________________________________________________________________
SetupandMaintenanceofDerivedFactors
Derivedfactorsdefinehowtocalculatecertaineligibilitycriteriathatchangeovertime,suchasa
person'sageorlengthofservice.Youaddderivedfactorstoeligibilityprofilesandthenassociatethe
profileswithobjectsthatrestricteligibility.
DerivedFactorTypes
Youcancreatesixdifferenttypesofderivedfactors:age,compensation,lengthofservice,hours
worked,fulltimeequivalent,andacombinationofageandlengthofservice.
DeterminationRulesandOtherSettings
Foreachfactorthatyoucreate,youspecifyoneormorerulesabouthoweligibilityisdetermined.For
example,thedeterminationruleforanagederivedfactorspecifiesthedayonwhichtoevaluatethe
person'scalculatedageforeligibility.Ifthedeterminationruleissettothefirstoftheyear,thenthe
person'sageasofthefirstoftheyearisusedtodetermineeligibility.
Forthefulltimeequivalentfactor,youspecifytheminimumandmaximumfulltimeequivalent
percentageandwhethertousetheprimaryassignmentorthesumofallassignmentswhenevaluating
eligibility.Forexample,ifthepercentagerangeis90to100percentforthesumofallassignments,then
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apersonwhoworks50percentfulltimeontwodifferentassignmentsisconsideredeligible.Other
settingsdefinetheunitofmeasurefortimeormonetaryamounts,roundingrules,andminimumsand
maximums.
UseaFormulatoDetermineEligibility
Acompanywantstoofferaspotincentivebonustohourlyemployeeswhoworked100percentoftheir
scheduledshifthoursinathreemonthperiod.Todetermineeligibilityforthebonus,createaformula
thatcalculatesscheduledhourslessworkedhoursforeachweekinthepreviousthreemonths.Ifthe
resultofsuccessivecalculationsislessthanorequaltozero,thentheformulareturnsaresultofYes.
Thefirststepistocreatetheformula.Oncetheformulahasbeendefined,createauserdefined
criteriontoruntheformula.
OpensourceSetupforDerivedFactors
DerivedFactors
Age2529(asoffirstofnextyear)
Age<25(asoffirstofnextyear)
Age>=50(asofeventdate)
Age>=70(asoffirstofnextyear)
FordetailsonthesetupspleaseseetheBenefitsWorkshopspreadsheet>DerivedFactorstab
ManageBenefitEligibilityComponents
Youaddeligibilitycriteriatoaneligibilityprofile,andthenassociatetheprofilewithanobjectthat
restrictseligibility.Thefollowingfigureshowstherelationshipsbetweeneligibilitycomponents.
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EligibilityCriteria
Youcanadddifferenttypesofeligibilitycriteriatoaneligibilityprofile.Formanycommoncriteria,such
asgenderoremploymentstatus,youcanselectfromalistofpredefinedcriteriavalues.However,you
mustcreateuserdefinedcriteriaandderivedfactorsbeforeyoucanaddthemtoaneligibilityprofile.
EligibilityProfile
Whenyouaddaneligibilitycriteriontoaprofile,youdefinehowtouseittodetermineeligibility.For
example,whenyouaddgenderasacriterion,youmustspecifyagendervalue(maleorfemale)and
whethertoincludeorexcludepersonswhomatchthatvalue.
AssociatingtheProfilewithObjects
Youcanassociateaneligibilityprofilewithdifferentkindsofobjects:
InBenefits,associateaneligibilityprofilewithavariablerateorvariablecoverageprofileto
establishthecriteriarequiredtoqualifyforthatrateorcoverage.
InHR,associateaneligibilityprofilewithachecklisttasktocontrolwhetherthattaskappearsinan
allocatedchecklist.
InCompensation,associateaneligibilityprofilewithatotalcompensationstatementtoapply
additionaleligibilitycriteriaafterstatementgenerationpopulationparameters.
InBenefits,associateoneormoreeligibilityprofileswithabenefitsorcompensationobjectto
establishtheeligibilitycriteriaforspecificplansandoptions.
EligibilityProfiles:Explained
Aneligibilityprofiledefinescriteriausedtodeterminewhetherapersonqualifiesforabenefitsoffering,
variablerateprofile,variablecoverageprofile,compensationobject,checklisttask,orotherobjectfor
whicheligibilitymustbeestablished.Thefollowingarekeyaspectsofworkingwitheligibilityprofiles:
Planningandprerequisites
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Specifyingtheprofiletypeandusage
Definingeligibilitycriteria
Excludingfromeligibility
Assigningsequencenumbers
Addingmultiplecriteria
Viewingthecriteriahierarchy
PlanningandPrerequisites
Beforeyoucreateaneligibilityprofile,considerthefollowing:
Ifaneligibilityprofileusesderivedfactors,userdefinedformulas,oruserdefinedcriteriato
establisheligibility,youmustcreatetheseitemsbeforeyoucreatetheeligibilityprofile.
Ifyouaredefiningeligibilitycriteriaforachecklisttask,variablerateprofile,orvariablecoverage
profile,youmustincludeallcriteriainasingleeligibilityprofile,becausetheseobjectscanbe
associatedwithonlyoneeligibilityprofile.Youcan,however,associatemultipleeligibilityprofiles
withbenefitsofferingsandcompensationobjects.
Eligibilityprofilesarereusable,sousenamesthatidentifythecriteriabeingdefinedratherthan
theobjectwithwhichtheprofileisassociated.Forexample,use"Age2025+NonSmoker"rather
than"SupplementalLifeMinRate."
SpecifyingProfileTypesandUsage
Whenyoucreateaneligibilityprofile,youspecifywhethertheprofileappliestoparticipantsor
dependents.Useparticipantprofilestodefinecriteriaforemployeesorexemployeeswhoareeligible
forthebenefitsofferedbyyourbusiness.Usedependentprofilesforparticipants'spouses,family
members,orotherindividualswhoqualifyasdependents.Dependentprofilescanbeassociatedonly
withplansandplantypes.
DefiningEligibilityCriteria
Criteriadefinedinaneligibilityprofilearedividedintocategories:
Personal:Includesgender,persontype,postalcoderanges,andotherpersonspecificcriteria
Employment:Includesassignmentstatus,hourlyorsalaried,job,grade,andotheremployment
specificcriteria
Derivedfactors:Includesage,compensation,lengthofservice,hoursworked,fulltimeequivalent,
andacombinationofageandlengthofservice
Other:Includesmiscellaneousanduserdefinedcriteria
Relatedcoverage:Includescriteriabasedonwhetherapersoniscoveredby,eligiblefor,or
enrolledinotherbenefitsofferings.
ExcludingfromEligibility
Foreacheligibilitycriterionthatyouaddtoaprofile,youcanindicatewhetherpersonswhomeetthe
criterionareconsideredeligibleorareexcludedfromeligibility.Forexample,anagefactorcaninclude
personsbetween20and25yearsoldorexcludepersonsover65.Ifyouexcludecertainagebands,then
allagebandsnotexplicitlyexcludedareautomaticallyincluded.Similarly,ifyouincludecertainage
bands,thenallagebandsnotexplicitlyincludedareautomaticallyexcluded.
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AssigningSequenceNumbers
Youmustassignasequencenumbertoeachcriterion.Thesequencedeterminestheorderinwhichthe
criterionisevaluatedrelativetoothercriteriaofthesametype.Note,whenassigningsequence
numberspleaseallowspacefornewcriteriatobeaddedinthefuture.
AddingMultipleCriteria
Ifyoudefinemultiplevaluesforthesamecriteriatype,suchastwopostalcoderanges,apersonneeds
tosatisfyatleastoneofthecriteriatobeconsideredeligible.Forexample,apersonwhoresidesin
eitherpostalrangeiseligible.Ifyouincludemultiplecriteriaofdifferenttypes,suchasgenderandage,a
personmustmeetatleastonecriteriondefinedforeachcriteriatype.
ViewingtheCriteriaHierarchy
SelecttheViewHierarchytabtoseealistofallcriteriathatyouhavesavedforthisprofile.Thelistis
arrangedbycriteriatype.
SupportforMultipleEligibilityProfiles
Ifyouaredefiningeligibilitycriteriaforachecklisttask,variablerateprofile,orvariablecoverageprofile,
youmustincludeallcriteriainasingleeligibilityprofile,becausetheseobjectscanbeassociatedwith
onlyoneeligibilityprofile.Youcan,however,associatemultipleeligibilityprofileswithbenefitsofferings
andcompensationobjects.
EfficiencyandPerformance
Foroptimumperformanceandefficiency,youshouldusuallyattachprofilesatthehighestpossiblelevel
inthebenefitsobjecthierarchyandavoidduplicatingcriteriaatlowerlevels.Plantypesinprogram,
plansinprogram,plans,andoptionsinplansinherittheeligibilitycriteriaassociatedwiththeprogram.
Forexample,tobeeligibleforabenefitsplantype,apersonmustsatisfyeligibilityprofilesdefinedat
theprogramlevelandattheplantypeinprogramlevel.However,itissometimesfastertocreatemore
thanoneprofileandattachtheprofilesatvariouslevelsinthehierarchy.Forexample,youmight
excludeemployeesfromeligibilityattheprogramlevelwhodonothaveanactiveassignment.Atthe
levelofplantypeinprogram,youmightexcludeemployeeswhodonothaveafulltimeassignment.
Finally,attheplanlevel,youmightexcludeemployeeswhoseprimaryaddressisnotwithinaservice
areayoudefine.
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Note
Eligibilitycriteriacanbeusedtoincludeorexcludepersonsfromeligibility.Sequencingofcriteriais
morecomplicatedwhenyoumixincludedandexcludedcriteriainthesameprofile.Foreaseof
implementation,trytokeepallexcludedcriteriainaseparateeligibilityprofile.
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OpensourceSetupforEligibilityProfiles
401(k)NonhighlyCompedParticipants
RegularEmployee
401(k)HighlyCompedParticipants
Age50andAboveasofEventDate
FordetailsonthesetupspleaseseetheBenefitsWorkshopspreadsheet>EligibilityProfilestab
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_________________________________________________________________
Note
HighlyCompedEligibilityprofilesneedtobefullydefinedaseverycompanyhasdifferentcriteriaof
whathighlycompedmeans.
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SetupandManagementofBenefitLifeEvents
Alifeeventisachangetoapersonoraperson'semploymentthataffectsbenefitsparticipation.
Examplesoflifeeventsarechangesinworkerassignment,anniversaryofemployment,andmarriage.
Lifeeventsaffectbenefitsprocessingforaworker.Aspectsoflifeeventsthatarerelatedtobenefits
processingare:TypeandStatus.
Type
Thefourtypesoflifeeventsareexplicit,temporal,scheduled,andunrestricted.Youconfigure
explicitlifeeventsduringimplementation.Theycanincludeeitherpersonalorworkrelated
changes,suchasanaddresschangeorassignmenttransfer.Temporallifeeventsoccurwiththe
passageoftime,suchasthesixthmonthofemployment,andarepredefined.Fortemporalevents,
youusederivedfactorsassociatedwithplandesigneligibilityfactors.Scheduledlifeeventsare
assigned.Openenrollmentperiodsareanexampleofascheduledlifeevent.Unrestrictedlife
eventsareforbenefitenrollmentsthatarenottimedependent,suchassavingsplanenrollments.
Participantscanmakeenrollmentchangesatanytime.
Status
Twolifeeventstatusesareimportantforbenefitsprocessing,potentialandactive.Potentiallife
eventsaredetectedlifeevents,buttheydonotgenerateenrollmentactions.Potentiallifeevents
areprocessedbytheparticipationevaluationprocess.Ifpotentiallifeeventsmeetplandesign
requirements,theybecomeactivelifeevents,whichcangenerateenrollmentopportunities.In
additiontolifeeventsstatusesthataffectbenefitsprocessing,youcanupdateindividuallifeevent
statusesforaworker.Lifeeventsstatusesthatyoucansetincludeclosed,backedout,andvoided.
Closingalifeeventpreventsfurtherenrollmentprocessingofthelifeevent.Backingoutalifeevent
rescindsanyupdatestoworkerrecordsthataregeneratedbytheparticipationevaluationprocess.
Youcanbackoutonlylifeeventsinthestartedstatusorprocessedstatus.Voidingalifeevent
rescindsanyupdatesandpreventsfurtherprocessing.
ExplicitLifeEvents:Explained
Youconfigureexplicitlifeeventsduringimplementation.Theycanincludeeitherpersonalorwork
relatedchanges,suchasanaddresschangeorassignmenttransfer.Defineanexplicitlifeeventby
specifyingitsprocessingcharacteristicsandthedatabasechangesthatgenerateit.Usecriteriasimilarto
thosethatdefineeligibilityprofilesandvariablerateprofiles.Aspectsofexplicitlifeeventsinclude:
Type,DefinitionandDetection.
Type
Thetwotypesofexplicitlifeeventsarepersonchangeandrelatedpersonchange.Aperson
changeisachangeinHRdatathatyoudefinetoindicatethatapersonhasexperiencedalife
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event.ArelatedpersonchangeisachangeinHRdatathatyoudefinetoindicatethataperson
hasexperiencedarelatedpersonlifeevent.
Definition
Todefinechangestoaperson'srecordthatgeneratealifeevent,youspecifydatabasetableand
columnvaluesthat,whenchanged,aredetectedandprocessedasalifeevent.Forexample,you
mightdefinethatalifeeventoccurswhenthedatabasevalueofaperson'smaritalstatus
changesfromsingletomarried.Anexampleofarelatedpersonlifeeventiswhenaparticipant's
child,whoisolderthan26,becomesdisabled.Theparticipant'srecordcanbeupdatedtoreflect
thisandthechildcanbedesignatedasadependent.
Detection
Specifythenewvalueforthiscombinationofdatabasetableandcolumnthat,whendetected,
indicatesthatalifeeventhasoccurred.Apersonchangecanbedefinedtobedetectedbased
on:
Anewvalue
Achangefromaspecificoldvaluetoaspecificnewvalue
Anychangetoavalue
Achangefromanyvaluetonovalue
Achangefromnovaluetoanyvalue
______________________________________________________________
Note
Ifyoudonotfindcriteriaamongchoicesinselectionlistsoftableandcolumnobjects,youcanusea
formulatogeneratealifeevent.Associatethepersonchangethatyoudefinewithalifeevent.Youcan
linkmultiplepersonchangestoasinglelifeeventandyoucanlinkasinglepersonchangetomorethan
onelifeevent.
ScheduledLifeEvents:Explained
Ascheduledlifeeventisanassignedlifeevent,suchasanopenenrollmentperiod.Typesofscheduled
lifeeventsare:AdministrativeandOpenenrollment.
Administrative
Assignadministrativelifeeventstoapersonorgroupwhenthetermsandconditionsofabenefit
planchangesignificantlyandparticipantsmustbeallowedtoreevaluatetheirelections.Thistype
oflifeeventisalsousedduringimplementationtouploaddatainitially.
OpenEnrollment
Theopenenrollmentlifeeventdetermineseligibilityforanopenenrollmentperiod.Open
enrollmentperiodstypicallyrecuronascheduledbasis,suchasanannualhealthandwelfare
benefitsenrollmentoraquarterlysavingsplanenrollment.
UnrestrictedLifeEvents:Explained
Useunrestrictedlifeeventsforbenefitenrollmentsthatarenottimedependent,suchassavingsplan
enrollments.Participantscanmakeenrollmentchangesatanytime.Thetwotypesofunrestrictedlife
eventare:
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UnrestrictedUnrestrictedlifeeventshaveaonedayenrollmentperiodandremaininthestarted
statusuntilthenextunrestrictedlifeeventisstarted.
UnrestrictedOpenYoucanconfiguretheenrollmentperiodforunrestrictedopenlifeevents.
TemporalLifeEvents:Explained
Alltemporallifeeventsarepredefined.Temporallifeeventsoccurwiththepassageoftime,suchasthe
sixthmonthofemployment.Aspectsoftemporallifeeventsinclude:Types,Detectionrules,and
Implementation.
Types
Thepredefinedtemporallifeeventsusederivedfactorsandinclude:
Derivedage
Derivedcombinationofageandlengthofservice
Derivedcompensation
Derivedhoursworkedinperiod
Derivedlengthofservice
Derivedtotalpercentageoffulltime
Whenyouruntheparticipationevaluationprocessinscheduled,lifeevent,ortemporalmode,alife
eventiscreatedwhentheminimumormaximumboundaryiscrossedasspecifiedinthedefinition
oftheapplicablederivedfactor.
DetectionRules
Whenyoucreateoreditalifeevent,selectfromamongtheseoptionsforthetemporaldetection
rule:
Donotdetectpastorfuturetemporalevents.Thisoptionpreventsthedetectionofpast
temporaleventswhiletheapplicationprocessesthislifeevent.
Donotdetectpasttemporalevents.Thesecondoptionpreventstemporaleventdetection
whiletheapplicationprocessesthespecifiedlifeevent.Usethisrulewithopenand
administrativeevents,orexplicitevents,whenyoudonotwanttodetecttemporalevents.
Neverdetectthistemporallifeevent.Thisoptionpreventstheautomaticdetectionofa
specifictemporalevent.Setthisruleforanyseededtemporalevent,forexample,agechangeor
lengthofservicechange,thatyoudonotwanttodetect,suchasduringmidyearchanges.
OpensourceSetupforLifeEvents
GlobalLifeEventsTypicallyUsed
intheUSandUK
AddressChange
FTE/PTE
Rehire
TemptoPerm
BenefitsGroupChange
Location
SalaryChange
PermtoTemp
Demotion
NewHire
StandardHours
Termination
Transfer
DependentLossofEligibility
GradeChange
Marriage
ReturnfromPaidLeave
LossofSpouse
AdditionofChild
Divorce
JobChange
OveragedDependent
ReturnfromUnpaidLeave
LossofDomesticPartner
BargainingUnitChange
EmployeeDeath
LossofDependent
PaidLeave
UnpaidLeave
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LifeEventsthatareTypically
UsedintheUS
ExemptandNonExempt
Promotion
DependentGainofEligibility
DependentStudentStatus
GainofSpouseCoverage
LossofDomesticPartnerCoverage
MedicareEligibility
DisabledDependent
LegalSeparation
MilitaryLeave
PositionChange
GainofDomesticPartnerCoverage
LossofSpouseCoverage
OrganizationChange
ReturnfromMilitaryLeave
FordetailsonthesetupspleaseseetheBenefitsWorkshopspreadsheet>LifeEventstab
_______________________________________________________________
Note
ElementswillneedtobecreatedforsomeoftheLifeEventstofurtherdefinethem,suchasdefining
whatabsencetypesequalpaidandunpaid.
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ManageBenefitProgramsandPlansBenefitsHierarchyObjects:HowTheyWork
Together
Useoneormorebenefitobjecthierarchiestoorganizeandmaintainyourbenefitsofferings.
Administrativepoliciesandprocedures,suchaseligibilityrequirements,lifeeventdefinitions,costs,and
coveragelimitsthataresetatahigherlevelcascadetoobjectsatlowerlevels,unlessoverriddenby
morespecificrulesdefinedatalowerpointinthehierarchy.Thisfigureshowsabenefitobjecthierarchy
forahealthinsurancebenefitsofferingthatispopulatedatallfouravailablelevels:program,plantype,
plan,andoption.
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DescriptionofChart
Theiconsshowninthefigurealsoappearnexttobenefitsobjectsinvariousplacesthroughoutthe
application.Theiconsservetoquicklyidentifythebenefitsobjectfunction:program,plantype,plan,or
optionswithinthehealthinsuranceprogramaretwoplantypes:medicalanddental.Twomedicalplans
arewithinthemedicalplantype,andtwodentalplansarewithinthedentalplantype.Atthefourth
levelareoptionstoenrolltheemployeeplusfamily,employeeplusspouse,oremployeeonly.Once
defined,optionscanbereused.Forexample,theoptiontoenrolltheemployeeplusspouseisavailable
toboththehealthmaintenanceorganizationandthepreferredproviderorganizationmedicalplans,but
isnotavailabletoeitherdentalplan.Theemployeeoptionisassociatedwithallplansinthishierarchy.
__________________________________________________________________
Note
Itisnotnecessarytopopulateallfourlevelsofthebenefitsobjecthierarchy.
Whenplansdonotofferoptions,theoptionslevelofthehierarchyisnotpopulated.Whenabenefits
offeringsuchasavingsplanisnotorganizedunderaprogram,andissubsequentlyidentifiedasaplan
notinprogram,theprogramlevelisnotpopulated.Theplantypebecomesthetoplevel,followedby
theplannotinprogramatthenextlowerlevel.Options,ifany,wouldpopulatethelowestlevelofthe
hierarchy.
____________________________________________________________
Thefollowingfigureshowsahierarchywheretheprogramlevelisnotpopulated.
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Theplantypecontainsaplannotinprogram.Thedashedlinesindicatethatiftheplannotinprogram
doesnotofferoptions,thentheoptioninplanlevelisnotpopulated.Inthatcase,thehierarchywould
haveonlytwolevels:plantypeandplannotinprogram.
PlanTypes
Aplanisaspecificofferingwithintheplantype.Ahealthmaintenanceorganizationandapreferred
providerorganizationareexamplesofspecificmedicalinsuranceplans.
OpensourceSetupforPlanTypes
Medical
Dental
EmployeeStockPurchasePlan
Vision
GroupTermLife
MealPlan
HealthClubMembership
LongTermDisability
Parking
FlexibleSpendingAccount
Other
Transportation
SupplementalLife
BusinessTravelInsurance
GroupLegal
AccidentalDeathand
Dismemberment
SavingsPlan
LongTermCareInsurance
PersonalExcessLiabilityInsurance
DependentLifeInsurance
FinancialPlanning
EmployeeAssistanceProgram
SupplementalAccidentalDeathand
Dismemberment
ShortTermDisability
HealthandWellbeing
PermanentHealthInsurance
LeaveTrading
OracleConfidential
GlobalLifeEventsTypicallyUsed
intheUSandUK
CompanyCar
LifeEventsTypicallyUsedinthe
US
LifeEventsTypicallyUsedinthe
UK
PensionScheme
Voucher
TravelInsurance
ParkingSubsidy
CriticalIllnessCoverage
LifeInsurance
Page17
HealthScreening
GroupIncomeProtection
FordetailsonthesetupspleaseseetheBenefitsWorkshopspreadsheet>PlanTypestab
SetupofBenefitOptions
Anoptionisanelectablechoicewithinaplan,suchascoverageforanemployee,employeeplusspouse,
ortheemployee'simmediatefamily.Optionsarereusable.Oncedefined,youcanassociateanoption
withoneormoreplansandplantypes.Whenyouassociateanoptionwithaplantype,youmakethat
optionavailableforselectioninallplansofthatplantype.
OpensourceSetupsforOptions
GlobalOptionsTypicallyUsed
intheUSandUK
WaiveOption
1XSalary
4XSalary
50%ofSalary
2XSalary
75%ofSalary
3XSalary
EmployeeOnly
Employee+DomesticPartner+
Children
Employee+Child(ren)
Employee+3Children
66.67%ofSalary
6XSalary
MidSizeCar
$10,000
NoElection
Employee+Spouse
Employee+DomesticPartner's
Children
Employee+1Child
Employee+4Children
70%ofSalary
7XSalary
LuxuryCar
$25,000
FlatAmount
25%ofSalary
GBP50,000
Level3Car
InvestmentFund3
SelfOnly
GBP10,000
Level1Car
InvestmentFund1
CompanyCanteenDiscount
SelfandPartner
GBP25,000
Level2Car
InvestmentFund2
MealVoucherPlan
SelfandDependents
Family
Selfand1Dependent
Selfand2Dependents
Selfand3Dependents
SelfandPartnerand2Dependent
Employee
OneLevel1Car
TwoLevel2Cars
Level1CarAllowance
Buy
Selfand4Dependents
SelfandPartnerand3Dependents
Spouse/DomesticPartner
TwoLevel1Cars
OneLevel3Car
Level2CarAllowance
Sell
SelfandPartnerand1Dependent
SelfandPartnerand4Dependents
Dependent
OneLevel2Car
TwoLevel3Cars
Level3CarAllowance
OptionsTypicallyUsedinthe
US
Employee+Family
Employee+DomesticPartner
Employee+2Children
60%ofSalary
5XSalary
CompactCar
Truck
$50,000
PercentageofEligibleEarnings
OptionsTypicallyUsedinthe
UK
OracleConfidential
Page18
FordetailsonthesetupspleaseseetheBenefitsWorkshopspreadsheet>Optionstab
EnrollmentandBeneficiaryActionItems
Youcandefineenrollmentandbeneficiarydesignationrequirementactionitemswhich,ifnotprovided,
causeeitherenrollmentinthebenefitofferingtobesuspendedorbeneficiaryenrollmenttobe
suspended.Youcandefinedifferentcertificationrequirementsfordifferentactionitems.
VariableRateProfilesandVariableCoverageProfiles
Dependingonyourbusinessrequirements,youcanassociateoneormorevariablerateprofilesand
variablecoverageprofileswithratesandcoverages,respectively.Thevariablerateprofiledefinition
offersseveraldeliveredcalculationmethods.Also,theselectedvariablerateprofilecalculationcanbe
definedtoeitherreplaceoraddtothestandardratecalculation.Eacheligibilityprofilecanhaveoneor
moreassociatedderivedfactorcriteria,suchasAge,LengthofService,andCompensation.For
example,youwantthecalculatedrateforaparticipant'slifeinsurancetovarydependingonthe
participant'sage.Participantsinthe31to40agegrouppay$3,thoseaged41to50pay$4,andthose
51to60pay$5.Configurethreevariablerateprofiles,eachwithaneligibilityprofilematchingthe
appropriateAgetemporalattribute.
______________________________________________________________
Note
EligibilityProfileisarequiredfieldwhendefiningvariablerateandcoverageprofiledetails.
______________________________________________________________
StandardandVariableRates
Youattachstandardratestoabenefitsobjecttospecifymonetarycontributionsanddistributionstobe
madebytheemployeeandemployer.Avarietyofstandardratecalculationmethodsarepredefined,or
youcandefineyourownformulasforthispurpose.Whenaparticipantenrollsinaplan,participation
evaluationprocessingentersthecalculatedresultonapayrollelementfortheemployee.Informational
ratestypicallyusedforadditionalreportingdonotusepayrollelements.
StandardandVariableCoverages
Standardandvariablecoveragesworksimilarlytostandardandvariablerates.Severalcalculation
methodsarepredefined.Youcancreateandattachvariablecoverageprofilestocoveragesusinga
methodthatissimilartothewaythatyoucreateandattachvariablerateprofilestorates.Also,variable
coverageprofiledefinitionsrequirethatyouspecifyaneligibilityprofile,towhichyoucanoptionally
attachoneormorederivedfactors.Therefore,variablecoveragecalculatedresultscanvarydepending
onthecalculationmethod,associatedeligibilityprofile,andtemporalevents.
ConfiguringEnrollmentCriteriaatGeneralvs.DetailedHierarchyLevels
Setupeffortandoperatingperformancevarydependingonwhereenrollmentcriteriaaredefinedinthe
hierarchy.Generally,youshouldassociatecriteriaatthehighestlevelthatprovidestheneededdegree
ofcontrol.Ifaplanoroptionhasspecificrequirementsthatarenotcommontothelevelsaboveit,then
itisappropriatetoassociatecriteriaatthatlowerlevel.Thefollowingfigureshowstheenrollment
determinationhierarchyorganizedfromtoptobottom,lefttoright,generaltodetail.
OracleConfidential
Page19
Enrollmentrequirementsdefinedatalowerlevelinthehierarchyoverridethosedefinitionscascading
fromabove.Attheleft,thehierarchyshowsthethreeenrollmentconfigurationlevelsthatare
availableontheprogramconfigurationenrollmentpage.Thethreeenrollmentrequirementlevels
availableduringprogramconfiguration(organizedfromgeneraltodetailed)areprogram,plantypein
program,andplaninprogram.Belowtheprogramenrollmentconfigurationsarethetwoenrollment
configurationlevelsthatareavailableontheplanconfigurationEnrollmentpage:planandoptionin
plan.Optioninplanenrollmentrequirementssetupontheplanconfigurationenrollmentpageoverride
anydefinitionsthathavebeensetupatahigherlevel,suchastheplaninprogramleveloftheprogram
configurationenrollmentpage.Fromthelifeeventtabsthatappearontheprogramconfiguration
enrollmentpageandtheplanconfigurationenrollmentpage,youcansetupenrollmentrequirements
associatedwithoneormorelifeeventsatanyoftheavailablehierarchylevels.
Shownattherightsideofthisfigureisahierarchyoffiveenrollmentconfigurationsthatareavailable
fromtheLifeEventtabsontheprogramandplanenrollmentpages.Againarrangedfromgeneralto
detailed,theselifeeventenrollmentconfigurationsarelifeeventinprogram,lifeeventinplantypein
program,lifeeventinplaninprogram,lifeeventinplan,andlifeeventinoptioninplan.Becauselife
eventsaremorespecific,thelifeeventconfigurationsoverridetheircorrespondingparallel
configurationsappearingimmediatelytotheirleftinthisfigure.Forexample,enrollmentrequirements
atthelifeeventinoptioninplanoverridethosesetupabove,suchasforthelifeeventinplan.Thelife
eventinoptioninplansetupalsooverridessetupattheleftfortheoptioninplan.
BenefitPlanCreationMethods
Threemethodsareavailableforcreatingbenefitsplans:
CompletetheQuickCreatePlan
Completetheplanconfigurationprocess
CompletetheCreatePlanpageaccessedfromtheQuickCreateProgram
OracleConfidential
Page20
QuickCreatePlan
TheQuickCreatePlanpageisusefulwhenyouwanttoquicklysetuptheessentialframeworkofaplan
configuration,orcreatemanystandardratesassociatedwiththeplanoroptioninplan.Thisprocess
providestheabilitytocreateonenewplantypeandmultipleoptionswithoutneedingtoexittothe
ManagePlanTypesorManageBenefitOptionstasks.Youcanimmediatelyassociateanexisting,orthe
newlycreatedplantypeandoptionswiththeplan.Youcanquicklyconfigureessentialcharacteristicsfor
aplaninprogramornotinprogram.WhenyouspecifytheUsageasNotinprogram,anadditional
sectionappearsforspecifyingcurrency,definedratefrequencyandcommunicatedratefrequency,
whichwouldotherwisebeinheritedfromtheoverarchingprogramconfiguration.Whenyouusethe
QuickCreatePlanpage,severalplancharacteristicsareautomaticallysettocommonlyusedvalues.If
thosedefaultsettingsdonotfityourneeds,youcanusetheplanconfigurationprocesstoretrievethe
planinprogramorplannotinprogramandtheneditoradddetailsatanytime.Youcannotusequick
createfunctionalitytoeditanyexistingobject.
PlanConfigurationProcess
Theplanconfigurationprocessoffersthecompletesetofplancharacteristicsandthereforethegreatest
flexibilityforsettingupandmaintainingBenefitsplans.Itistheonlymeanstoeditaplanafterithas
beensaved,regardlessofthemethodusedtocreatetheplan.Ontheotherhand,ifyouaremidway
throughtheplanconfigurationprocessanddiscoverthatyouhavenotcompletedthesetupforan
objectthatyouneedtouseintheplanconfiguration,youwillneedtoexittothosetasksandcomplete
thatauxiliarysetupbeforeyoucanreturnandcompletetheplanconfiguration.
CreatePlanpageAccessedfromtheQuickCreateProgramPage
ThethirdmethodtocreateaplaninprogramisavailablewhileyouareusingtheQuickCreateProgram
pagetosetuptheessentialframeworkofaprogramconfiguration.ClicktheCreatePlanbuttontoopen
theCreatePlanBasicDetailswindowwhereyoucanspecifytheessentialcharacteristicsofaplanin
programwithoutneedingtoexittotheManageBenefitPlanDetailstask.TheCreatePlanBasicDetails
pageprovidestheabilitytoassociatethenewplanwithanexistingplantypeandmultipleexisting
options.UponreturningtotheQuickCreateProgrampage,youcanimmediatelyassociatethejust
createdplanwiththeprogram.
ClicktheCreatePlanbuttontoopentheCreatePlanBasicDetailswindowwhereyoucanspecifythe
essentialcharacteristicsofaplaninprogramwithoutneedingtoexittotheManageBenefitPlanDetails
task.TheCreatePlanBasicDetailspageprovidestheabilitytoassociatethenewplanwithanexisting
plantypeandmultipleexistingoptions.UponreturningtotheQuickCreateProgrampage,youcan
immediatelyassociatethejustcreatedplanwiththeprogram.
AutomaticSettings
Whenyouusequickcreateplanfunctionality,thefollowingfieldvaluesareautomaticallyset.
TheplanstatusissettoPending.
ThestatusesofanyassociatedplanoptionsaresettoActive.
Thetypesforanyassociatedratesaresettostandardrates.
Thetypesforanyassociatedcoveragesaresettostandardcoverages.
Programyearperiodsareautomaticallyselectedfortherangeoftwoyearsbeforeandone
yearafterthecurrentyear.Allplanyearperiodsareoftypecalendaryear.
Foranyassociatedeligibilityprofile,theRequiredcriteriamatchcheckboxisnotselected.
TheenrollmentruleissettoCurrentcankeeporchoose;newcanchoose.
TheplanfunctionissettoRegular.
OracleConfidential
Page21
IftheplanusageissettoInprogram,thenEnableunrestrictedenrollmentisdisabled.
IftheplanusageissettoNotinprogram,Enableunrestrictedenrollmentisenabled.Youcan
eitherselectornotselectthatfield.
Ifyouenableunrestrictedenrollment,then
RateStartDateandCoverageStartDatearesettoEvent.
PreviousRateStartDateandPreviousCoverageStartDatearesettoOnedaybeforeevent.
EnrollmentlifeeventissettoUnrestricted.
EnrollmentPeriodStartDateandEnrollmentPeriodEndDatearesettoAsofEventDate.
CloseEnrollmentPeriodDateissettoWhenelectionsaremade.
Noautomaticsettingsaremadefor:
Dependentorbeneficiarydesignation
Primarycarephysiciandesignation
_______________________________________________________________
Note
YoucanlateruseManageBenefitPlanDetailsconfigurationprocesstoretrieveexistingplan
configurationsandtheneditanyoftheautomaticsettings.Youcanalsoadddefinitionsthatwerenot
specifiedduringthequickcreateprocess.
_______________________________________________________________
EditingPlanConfiguration
Youcannotusequickcreateplanfunctionalitytoeditanyfieldofanysavedplan.Afteryouusequick
createplanfunctionalitytosaveaplandefinition,youusemanagebenefitplandetailsfunctionalityto
retrievetheexistingplanconfiguration.Atthattime,youcaneditexistingpreviouslyunspecified
settings.Afterretrievingaquickcreateplan,youcan:
Changeplanstatus.
Addpredefinedoptions.Youcanalsochangeoptionstatus.
Addplanyearperiodsforfiscalyears.
Addorremovestandardrates,andaddimputedrates,andvariablerates.Youcanselectfrom
severalavailablepredefinedratecalculationmethodsordefineyourownratecalculation
formulas.
Addorremovestandardcoverages,andaddvariablecoverages.Youcanselectfromseveral
availablepredefinedcoveragecalculationmethodsordefineyourowncoveragecalculation
formulas.
Addorremoveeligibilityprofiles.YoucanalsoselecttheRequiredcriteriamatchcheckboxfor
anyassociatedeligibilityprofile.
Configurerequirementsfor:
Scheduledandlifeeventenrollment
Dependentandbeneficiarydesignation
Primarycarephysiciandesignation
WaivePlansandWaiveOptions:Explained
Waiveplansandwaiveoptionsenableparticipantstodeclineenrollmentopportunitiesforwhichthey
areotherwiseeligible.Considerthefollowingaspects:
Benefitsofincludingwaiveplansandoptionsinplanconfigurations
Creatingandusingwaiveplans
Creatingandusingwaiveoptions
OracleConfidential
Page22
BenefitsofWaivePlansandOptions
Bydeployingwaiveplansandwaiveoptions,youcanusepredefinedreportstoshowenrollmentresults
forthoseemployeeswhohavechosentowaiveplansandoptions.Suchreportsareusefulwhen
consideringwhethertoredesignyourbenefitsofferings.Correlationsofdemographicdatawithwaive
enrollmentshelpsdiscernbenefitspricingissuesandcoverageissueswithrespecttothenatureof
benefitsthatarecurrentlyoffered.
Youtypicallydefineawaiveplanoroptionwhenyouwantthewaiveplanoroptiontoappeartothe
participantasanelectablechoiceamongstotherplansoroptions.Clearchoicesavoid
misunderstandings.Forexample,thebusinessrequirementmaybetoautomaticallyenrollemployees
intoabasicmedicalinsuranceplanbydefault,unlesstheemployeeexplicitlyoptsoutofallmedical
insuranceplans.Whenemployeesmanuallyelectawaiveplanthatisclearlypresentedamongstother
medicalplans,theirintentionstooptoutareclear.Ifmedicalcoverageissueslateroccur,itisclearthat
theemployeesexplicitlychosetonotbeenrolledineitherthedefaultplanoranyothermedicalplan
offering,andthattheirchoicewasnotmadeintheabsenceofknowledgeofavailablealternatives.
CreatingandUsingWaivePlans
Youcancreateawaiveplantoenableeligiblepersonstodeclineparticipationattheplantypelevel.To
designateaplanasawaiveplan,settheplanfunctionfieldtoWaiveintheplanconfigurationbasic
detailssection.Afteryoucreatethewaiveplan,usetheplansandplantypessectionoftheprogram
configurationbasicdetailspagetoselectandaddthewaiveplantothetableofplansassociatedwith
theplantypeinthatprogram.Whenaneligiblepersonelectsthewaiveplan,thatpersondeclines
enrollmentinallplanswithinthatplantype.
CreatingandUsingWaiveOptions
Similarly,youcanattachawaiveoptioninadditiontotheregularoptionsinaplantoenableeligible
personstodeclineparticipationattheplanlevel.Afteryoucreatethewaiveoption,usetheoptions
sectionoftheplanconfigurationbasicdetailspagetoselectandaddthewaiveoptiontothetable
ofoptionsassociatedwiththeplan.Whenaneligiblepersonelectsthewaiveoption,thatperson
declinesenrollmentinalloptionswithinthatplan.Ifaplantypecontainsonlyoneexistingplan,
considerattachingawaiveoptiontotheexistingplaninsteadofaddingawaiveplantotheplantype.
_________________________________________________________
Note
Donotattachawaiveplanorwaiveoptiontoplanconfigurationsthatrequireeligiblepersonstoelect
atleastoneregularoptionfromagroupofoptionsoratleastoneregularplanfromagroupofplans.
____________________________________________________________
OracleConfidential
Page23
OpensourceSetupsforBenefitPlanswithOptions
BenefitPlans
CompanyCarPlan
401(k)CatchupPlan(FlatAmount)
401(k)SavingsPlan
Parking
AD&DLifeInsurance
ChildLifeInsurance
Dental
DependentCareFSA
EAP(EmployeeAssistanceProgram)
GroupLegal
GroupTermLife
HealthCareFSA
LongTermDisability
MedicalBasic
MedicalEnhanced
MedicalHMO
ShortTermDisability
SpouseLifeInsurance
SupplementalLifePlan
TransportationFSA
Vision
WaiveMedical
PetMedicalInsurance
AVC
ChildcareVoucher
CriticalIllness
OracleConfidential
OptionsforBenefitPlans
GlobalBenefitPlansTypicallyUsedintheUSandUK
LuxuryCar,MidSizeCar,CompactCar,Truck,Level1,Level2,Level3
BenefitPlansTypicallyUsedintheUS
FlatAmount,Percentage
$50,000,1XSalary,2XSalary,3XSalary,4XSalary,5XSalary,6XSalary,7X
Salary
EmployeeOnly,Employee+Spouse,Employee+DomesticPartner,
Employee+Child(ren),Employee+Family,WaiveOption
Salary
50%ofSalary,60%ofSalary
Employee+Child(ren),Employee+Family
70%ofSalary,75%ofSalary
$10,000,$25,000
Salary
Employee+Child(ren),Employee+Family,WaiveOption
WaiveOption
BenefitPlansTypicallyUsedintheUK
InvestmentFund1,InvestmentFund2,InvestmentFund3
25%ofSalary,50%ofSalary,75%ofSalary
Page24
CycletoWork
DiscountRetailVoucherPlan
EmployeeLifeInsurance
EmployeeSharePurchasePlan
GymMembership
HealthScreening
Waive,1XSalary,2XSalary,3XSalary,4XSalary
SelfOnly,SelfandPartner
SelfOnly,SelfandPartner
IncomeProtection
MealPlan
PensionDefineContribution
PensionDefinedBenefit
PrivateDentalCare
PrivateHealthcare
SportsandSocial
TravelInsurance
25%ofSalary,50%ofSalary,75%ofSalary
CompanyCanteenDiscount,MealVoucherPlan
Waive,InvestmentFund1,InvestmentFund2,InvestmentFund3
Waive
Waive,SelfOnly,SelfandPartner,Self+Dependents,Family
Waive,SelfOnly,SelfandPartner,Self+Dependents,Family
FordetailsonthesetupspleaseseetheBenefitsWorkshopspreadsheet>PlanTypestab
DefinedRateFrequencyandCommunicatedRateFrequencyValues
Thedefinedratefrequencyandcommunicatedratefrequencyvaluesestablishthetimebasisforrate
amountsthatareeitherusedinternallyordisplayedtoparticipants.
Thedefinedratefrequencydeterminesthetimebasisofratesusedincalculationsorstoredforother
internaluse.
Thecommunicatedratefrequencydeterminesthetimebasisofratesthatappeartoparticipants.
Definedratefrequency,communicatedratefrequency,andprogramdefaultcurrencyareprogramlevel
attributes.Anexceptionoccursinplanconfiguration,wheresettingtheplanusagefieldtoNotin
programcausesthedefinedratefrequency,communicatedratefrequency,andplandefaultcurrency
fieldstoappear.Inthatspecialcase,theseattributesarerequiredtobespecifiedaspartoftheplan
notinprogramconfiguration.Afterthedefinedratefrequency,communicatedratefrequency,and
currencyareappropriatelydefinedforbenefitsprogramsorplansnotinprogram,youcanusethe
CreateRatespagetodefinenamedratesforspecificobjectswithinthosehierarchies.
OpensourceSetupsforBenefitRates
RateName
PlanName
401(k)CatchupEmployeeContribution(FlatAmount)
401(k)HighlyCompedEmployeeContribution(%)
401(k)SavingsPlanEmployeeContribution(%)
401(k)SavingsPlanEmployeeContribution(FlatAmount)
CompactCarImputedIncome
ESPPPayrollContribution(%)
LuxuryCarImputedIncome
MidsizeCarImputedIncome
Parking
AD&DLifeInsurance1xCompensationEmployee
OracleConfidential
401(k)CatchupPlan(FlatAmount)
401(k)SavingsPlan
401(k)SavingsPlan
CompanyCarPlan
CompanyCarPlan
CompanyCarPlan
Parking
AD&DLifeInsurance
Page25
GroupTermLifePlan$50,000Employer
ChildLifeInsuranceEmployee$10,000
DentalEmployeeRate
DentalEmployee+Child(ren)EmployerRate
DentalEmployee+Child(ren)Rate
DentalEmployee+DomesticPartnerEmployerRate
DentalEmployee+DomesticPartnerRate
DentalEmployee+FamilyEmployerRate
DentalEmployee+FamilyRate
DentalEmployee+SpouseEmployerRate
DentalEmployee+SpouseRate
DentalEmployeeOnlyEmployerRate
DependentCareFSAEmployeeContribution
EAPEmployer
GroupLegalEmployee
GroupTermLife$50,000Employee
GroupTermLife1xSalaryEmployee
GroupTermLifePlan2xSalaryEmployee
GroupTermLifePlan$50,000Employer
GroupTermLifePlan1xSalaryEmployer
HealthCareFSAEmployeeContribution
LTD%Employer
LTD50%
LTD50%Employer
LTD60%
MedicalBasicEmployee+DomesticPartnerEmployerRate
MedicalBasicEmployee+FamilyEmployerRate
MedicalBasicEmployee+SpouseRate
MedicalBasicEmployeeRate
MedicalBasicEmployeeonlyEmployerRate
MedicalBasicEmployee+Child(ren)Rate
MedicalBasicEmployee+DomesticPartnerRate
MedicalBasicEmployee+FamilyRate
OracleConfidential
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
GroupTermLife
ChildLifeInsurance
Dental
Dental
Dental
Dental
Dental
Dental
Dental
Dental
Dental
Dental
DependentCareFSA
EmployeeAssistanceProgram
GroupLegal
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
HealthCareFSA
LongTermDisability
LongTermDisability
LongTermDisability
LongTermDisability
MedicalBasic
MedicalBasic
MedicalBasic
MedicalBasic
MedicalBasic
MedicalBasic
MedicalBasic
MedicalBasic
Page26
MedicalEnhancedEmployee+Child(ren)Rate
MedicalEnhancedEmployee+DomesticPartnerEmployerRate
MedicalEnhancedEmployee+DomesticPartnerRate
MedicalEnhancedEmployee+FamilyEmployerRate
MedicalEnhancedEmployee+FamilyRate
MedicalEnhancedEmployeeOnlyEmployerRate
MedicalEnhancedEmployeeRate
MedicalEnhancedEmployee+SpouseEmployerRate
MedicalEnhancedEmployee+SpouseRate
MedicalEnhancedEmployee+Child(ren)EmployerRate
MedicalHMOEmployee+Child(ren)EmployerRate
MedicalHMOEmployee+DomesticPartnerEmployerRate
MedicalHMOEmployee+DomesticPartnerRate
MedicalHMOEmployee+FamilyRate
MedicalHMOEmployee+SpouseRate
MedicalHMOEmployee+SpouseEmployerRate
MedicalHMOEmployeeEmployerRate
MedicalHMOEmployeeRate
MedicalHMOEmployee+Child(ren)Rate
MedicalHMOEmployee+FamilyEmployerRate
STD70%Employee
STD70%Employer
STD75%Employee
STD75%Employer
SpouseLifeInsuranceEmployee$10,000
SpouseLifeInsuranceEmployee$25,000
SupplementalLife1xSalaryEmployee
SupplementalLifeEmployee$50,000
TransportationFSAEmployeeContribution
VisionEmployee+Child(ren)Rate
VisionEmployee+DomesticPartnerEmployerRate
VisionEmployee+DomesticPartnerRate
VisionEmployee+FamilyEmployerRate
VisionEmployee+FamilyRate
VisionEmployee+SpouseEmployeeRate
VisionEmployee+SpouseEmployerRate
VisionEmployeeRate
VisionEmployerRate
VisionEmployee+Child(ren)EmployerRate
PetMedicalInsuranceEmployee
TruckImputedIncome
OracleConfidential
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalEnhanced
MedicalHMO
MedicalHMO
MedicalHMO
MedicalHMO
MedicalHMO
MedicalHMO
MedicalHMO
MedicalHMO
MedicalHMO
MedicalHMO
ShortTermDisability
ShortTermDisability
ShortTermDisability
ShortTermDisability
SpouseLifeInsurance
SpouseLifeInsurance
TransportationFSA
Vision
Vision
Vision
Vision
Vision
Vision
Vision
Vision
Vision
Vision
PetMedicalInsurance
CompanyCarPlan
Page27
AVC:10:OIPL:EmployeeRate
CycletoWork:PLN:EmployeeRate
CycletoWork:PLN:EmployerRate
EmployeeLifeInsurance:1x:OIPL:EmployeeRate
GymMembershipSingleDeduction
HealthScreening:10:OIPL:EmployeeRate
HealthScreening:20:OIPL:EmployeeRate
HealthScreening:10:OIPL:EmployerRate
HealthScreening:20:OIPL:EmployerRate
IncomeProtection:10:OIPL:EmployeeRate
PensionDefinedContribution1
PensionDefinedContribution2
PrivateHealthcare:10:OIPL:EmployeeRate
PrivateDentalCare:10:OIPL:EmployeeRate
SportsandSocial:PLN:EmployeeRate
TravelInsurance:10:OIPL:EmployeeRat
TravelInsurance:20:OIPL:EmployeeRate
TravelInsurance:10:OIPL:EmployerRate
AVC
AVC
AVC
CycletoWork
CycletoWork
GymMembership
HealthScreening
HealthScreening
HealthScreening
HealthScreening
IncomeProtection
IncomeProtection
IncomeProtection
HealthScreening
HealthScreening
HealthScreening
HealthScreening
PrivateDentalCare
PrivateDentalCare
PrivateDentalCare
PrivateDentalCare
SportsandSocial
TravelInsurance
TravelInsurance
TravelInsurance
TravelInsurance
TravelInsurance
TravelInsurance
TravelInsurance
TravelInsurance
______________________________________________________________
Note
SavingsPlanssuchas401(k)andotherretirementplansemployercontributionsshouldbesetupin
PayrollandnotinBenefits.IfFusionPayrollisbeingusedyouwillneedtosetupanemployer
contributionasapayrollelement.
________________________________________________________________
DependentDesignationLevel:PointstoConsider
Youcandefinedependentdesignationrequirementseitherattheplantypeinprogramlevelortheplan
levelofthebenefitsobjecthierarchy.OntheprogramconfigurationBasicDetailspageforagiven
program,youmustselectoneofthesedependentdesignationlevels:Null,Plantypeinprogramand
Plan.
OracleConfidential
Page28
Whenthedependentdesignationlevelisnullorblank,theDesignationRequirementspageofthe
programconfigurationisdisabled.Designationrequirementscannotbespecifiedbecausethe
dependentdesignationlevelisnotconfiguredfortheprogram.
PlanTypeinProgram
WhenthedependentdesignationlevelissettoPlantypeinprogram,theplantypescurrently
attachedtothisprogramappearasrowsinthetablelocatedintheheadersectionoftheprogram
configurationDesignationRequirementspage.Todefinedesignationrequirementsforaparticular
plantypeinthisprogram,highlighttheplantypenameinthetable,andthenconfigurethe
designationrequirementsinthetabbedregionofthepage.
Plan
WhenthedependentdesignationlevelissettoPlan,theDesignationRequirementspageofthe
programconfigurationisdisabled.Youcanconfiguredesignationrequirementsattheplanlevelon
theDesignationRequirementspageoftheplanconfiguration.
SettingsThatAffectEnrollmentRules
Enrollmentrulesareaffectedbytwosettings:theperson'senrollmentstatusandtheselected
enrollmentoption.Enrollmentstatuses:
Current:Participantswhoareenrolledinthebenefitsobjectatthepresenttime
New:Personswhoarenotcurrentlyenrolled
________________________________________________________________
Note
Neitherofthesetwoenrollmentstatusesmeansthatcontinuedparticipationornewenrollmentis
necessarilygrantedforthenextcoverageperiod.
_________________________________________________________________
Enrollmentforthenextperiodisdeterminedbyenrollmentoptions.Enrollmentoptions:
Canchoose:Allowedtomakenewelections.
Cankeep:Allowedtokeeptheircurrentelections.
Cankeeporchoose:Allowedtoeitherkeeptheircurrentelectionsormakenewelections.
Keeporchoose,startsnew:Allowedtokeepcurrentelectionsormakenewelections.The
coverageendsattheconfiguredenddatefortheprocessedlifeeventandrestartsthenextday.
However,theparticipantmustexplicitlyreelectcoverageamounts,eventhoughthecoverage
amountmaystaythesame.
Chooseonly:Mustmakeanexplicitelectiontostayenrolled.
Keeponly:Mustkeepcurrentelections.
Loseonly:Mustdisenrollfromcurrentelections.
Assignautomatically:Enrolledautomaticallyandcannotdisenroll.
Nothing:Cannotmakeelectionsforthisbenefitsobject.
Formula:Useaformulathatyouhavepreviouslydefinedtodetermineelectabilitybasedon
enrollmentstatus.TheformulamustbeofthetypeEnrollmentOpportunity.
UnsuspendedCoverageandRateRules:PointstoConsider
Unsuspendedrulesdefinethecoverageandratestartdatestousewhenasuspendedenrollment
becomesunsuspended.Youcansetuponeunsuspendedruleforcoverageandadifferentunsuspended
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ruleforthecorrespondingrate.Whenarequiredactionitemiscompleted,therelevantelectionsare
unsuspendediftherearenootherincompleterequiredactionitems.Ifarequiredactionitemisnot
completed,andtheactionisduebeforethecloseofenrollment,thentheCloseEnrollmentprocess
providesanauditloglistingoftheactionitemsthatfailed.Similarly,iftheCloseEnrollmentActionItems
processrunswithforceclose,anauditlogagainliststheactionitemsthatfailed.Ineithercase,the
suspensionandanyinterimrateandcoveragewillcarryforward.Subsequentparticipationevaluation
processingforthisparticipantwillgenerateanerror.
___________________________________________________________
Note
Theunsuspendedrulecontrolsthestartdateoftheenrollmentiftheunsuspendeddateisequaltoor
laterthantheoriginalstartdate.
Ifyoudonotselectanunsuspendedrule,thestartdateisthedateonwhichtheenrollmentis
unsuspended.
Ifyouassigninterimcoveragewhileanenrollmentissuspended,theinterimenrollmentisendedone
daybeforethecoveragestartdateoftheunsuspendedenrollment.
__________________________________________________________
ActionItemandCertificationTypes
Actionitemsincludedesignationofdependents,beneficiaries,andprimarycareproviders,aswellas
furnishingofdependentsocialsecuritynumbers,beneficiaryaddresses,orotheritemsofinformation.
Certificationdocuments,suchasbirthcertificates,marriagecertificates,proofofgoodhealth,andproof
ofstudentstatus,arealsoactionitems.Youcandefinecertificationrequirementsforanyofthe
followingsituations:
Generalenrollmentinabenefitsoffering
Enrollmentfollowingaspecificlifeevent
Restrictionsbasedoncoverageorbenefitsselected
Coverageorbenefitsrestrictionsforspecificlifeevents
Designationofdependents
Designationofbeneficiaries
ConfiguringRequiredActionItemsandCertifications
YoudefineactionitemsontheEditPlanCertificationsandEditPlanDesignationRequirementspagesin
thePlanConfigurationworkarea.Acertificationrequirementactionitemmayincludeoneormore
individualcertifications,suchasproofofgoodhealththatmustbeprovidedtofulfilltherequirement.
Whenyouaddacertification,youcanselecttheRequiredoptionandthensettheDeterminationRule,
whichcontrolswhenthecertificationisrequired.Forexample,acertificationmightberequiredonly
whenaparticipantisenrollingforthefirsttimeoritmayberequiredforeverylifeevent.Ifyouselect
multiplecertifications,thenaparticipantmustprovideallrequiredcertificationsandatleastone
optionalcertificationtofulfilltherequirement.Forexample,youmightrequirethataparticipant
provideeitheraMarriageCertificateoraDomesticPartnerAffidavitwhendesignatingaspouse
dependent.Inthiscase,youwouldselecttheRequiredoptionforthecertificationrequirementaction
item,butnotforeachoftheindividualcertifications.SelectingtheRequiredoptionforotheraction
items,suchasdesignationofabeneficiary,dependent,orprimarycarephysician,doesnotaffect
processing,butcanbeusefulfortrackinganactionitemininternalreports.
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PlanorOptionSequenceRestrictions:PointstoConsider
Setupforbenefitscertificationcoveragerestrictionsattheplanlevelvariesdependingonwhetherthe
RestrictionTypeissettoBenefitrestrictionappliesorOptionrestrictionapplies.Youcansetup
restrictionsfortheentireplanorforspecificlifeeventsfortheplan.Youcannotsetuprestrictions
baseduponcoveragecalculationamounts,iftheRestrictionTypeissettoOptionrestrictionapplies.
PlansinProgramVs.NotinProgram:CriticalChoices
Whenyoudefineabenefitsplan,itisnotnecessarythattheplanbeplacedinaprogram.However,
thereareadvantagestoassociatingaplanwithaprogram.
PlansinProgram
Ingeneral,associateaplanwithaprogramwhen:
Participantstypicallyenrollintheplanatthesametimethattheyenrollinotherplansinthe
program.
Participationeligibilityrequirementsdefinedfortheprogramalsoapplytotheplan.
PlansNotinProgram
Plansnotinaprogramenableparticipantstoenrollanddisenrollmultipletimesthroughoutthe
year.Forexample,aretirementsavingsplannotinprogramthatallowsunlimited,unrestricted
enrollmentchanges.
Ingeneral,donotassociateaplanwithaprogramwhen:
Participantstypicallyenrollintheplanatadifferenttimethanotherplansintheprogram.
Participationeligibilityrequirementsdefinedfortheprogramdiffersubstantiallyfromthose
definedfortheplan.
Benefitsthattheplanprovidesdiffersubstantiallyfromthebenefitsprovidedbyotherplansinthe
program.
CreatingLifeEventsforQuickCreateProgram:Explained
Attachenrollmentlifeeventstoaprogramtotriggerprogramenrollmentopportunitieswhenthoselife
eventsoccur.Usethecreatelifeeventsfeaturetomakenewenrollmentlifeeventsavailablefor
attachmenttothequickcreateprogram.Youcan:
Selectoneormorepredefinedlifeeventconfigurations.
Createoneuserdefinedlifeeventatatime.
ManageBenefitRatesandCoverageRatesandCoverages:
Ratesdeterminecostsforpurchasingbenefitcoverage,suchaslifeorhealthinsurance.Coverages
definemonetaryamountsavailabletoenrolledparticipantsintheeventofaclaim,suchasformedical
expenses.Ratesusuallydetermineanamountofmonetarycontributionspaidbytheemployee,the
employer,oracombinationofboth.Ratescanalsodetermineamountsdistributedfromtheemployer
totheemployee,suchasfortuitionreimbursement.Avarietyofcalculationmethodsforstandardrates
aredeliveredwiththeapplication.Whenaratevariesbasedoncriteria,youcanassociatevariablerate
profilestofurtheradjustorreplacethestandardratewhenthosecriteriaapply.Forexample,youcan
adjustaratebasedoncombinationsoflocation,lengthofservice,andparticipant'sage.Whenyou
createavariablerateprofile,youselectonecalculationmethodandattachoneeligibilityprofilethat
definescriteriatoqualifyforanadjustedrate.Youcanassociatemultiplevariablerateprofilestoa
givenstandardrate,andcontrolthesequenceinwhichmultipleadjustmentsareapplied.Coverages
definethelevelofbenefitsthataparticipantreceivesaccordingtoabenefitscontract.Avarietyof
calculationmethodsforstandardcoveragesarealsodeliveredwiththeapplication.Withvariablerate
OracleConfidential
Page31
profiles,youcanassociatevariablecoverageprofilestoadjustcoverageaccordingtoapplicablecriteria.
Youcanalsoapplylimitsandroundingrulestotheinitialcalculationtoderivethefinalcoverage.
StandardRates,VariableRateProfiles,andVariableFormulas:PointstoConsider
Youcancreatebenefitratesinseveraldifferentways,dependingonthetypeofrateandthecomplexity
ofthecalculation.Youmustdecidewhethertouse:Standardrate,VariablerateprofilesandVariable
formula.
StandardRate
Ifaratedoesnotvarybasedonanyfactors,definetherateonthestandardratepage.Forexample,
ifadentalplanrateisaflatamountof8.00permonthregardlessofageorotherfactors,astandard
rateisappropriate.
VariableRateProfiles
Ifaratevariesbasedonafactor,suchasage,smokingstatus,orcompensationamount,createa
variablerateprofileforeachrateamount.Forexample,ifalifeinsuranceplancostsmorefora
smokerthananonsmoker,youwouldcreatetwovariablerateprofiles,oneforsmokersandanother
fornonsmokers.Eachvariablerateprofilewouldbeassociatedwithaneligibilityprofileforthe
appropriatesmokingstatus.Therateforasmokermightbe10.00,whiletherateforanonsmoker
mightbe5.00.
_______________________________________________________________
Note
Youcanonlyattachoneeligibilityprofiletoavariablerateprofile.Ifaratevariesbasedonmultiple
factors,suchasageandsmokingstatus,usethesamelogictoacreatevariablerateprofilesand
associatedeligibilityprofilesforeachsetoffactorsaffectingtherate,asshownhere.
Ageislessthan25andpersonisnonsmoker
Ageislessthan25andpersonissmoker
Ageis26to40andpersonisnonsmoker
Ageis26to40andpersonissmoker
_____________________________________________________________________
Createthevariableprofilesfirstandthenaddthemtothestandardrate.Generally,youdefine
variablerateprofilessothatpersonswhomeetcertaincriteriaareeligibletoreceivethevariable
rate.However,youcanalsodefineavariablerateprofilesothatpersonswhomeetthecriteriaare
excludedfromreceivingthevariablerate.Insuchcases,thestandardrateforthebenefitappliesto
thesepersons.Avariablerateprofilecandefineanamountthatisaddedto,multipliedby,
subtractedfrom,orusedinsteadofthestandardrateforparticipantswhomeettheeligibility
criteria.Avariableprofile'streatmentrule(addtostandardrate,multiplybystandardrate,subtract
fromstandardrate,orreplace)defineshowtheratedefinedintheprofileisappliedtothestandard
rate.
VariableFormula
Ifavariablerateisbasedonacomplexcalculation,youcandefineoneormorefastformulasto
computetherateandthenassociatetheformulaswiththestandardrate.
____________________________________________________________________
Note
Youcanassociatevariablerateprofilesoravariableformulatoastandardrate;youcannot
associateboth.
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____________________________________________________________________
Rates:HowTheyAreCalculated
Ratesdefinecontributionanddistributionamountsforspecificbenefitsofferings.Ratesarecalculated
byapplyingacalculationmethodtovaluesyoudefineoronesthatareenteredbytheparticipantduring
enrollment.Youcanalsodefinelimitersandroundingrulestoapplytotheinitialcalculationto
derivethefinalrate.
SettingsThatAffectRateCalculations
Thefollowingcalculationmethodsareavailableforcomputingrates:
HowRatesAreCalculated
Thecalculationmethodandothersettingsdefinedforaratedeterminewhenandhowtherateis
calculated.Forexample,theratemaybecalculatedpriortoenrollment,uponenrollment,orafter
enrollmenthasbeencompleted.
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Example:MultipleofCompensation
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Page34
Prerequisites
1.Createthelifeinsuranceplantowhichtherateapplies.
2.Defineapayrollelementandinputvaluetoassociatewiththerate.
3.Createderivedfactorsfortheagebandsassociatedwitheachvariablerate,suchas:
Age_2029
Age_3039
Age_4049
Age_5059
Age_6069
Age_70greater
4.Createeligibilityprofilesforeachageband,andassociatewiththeappropriatederivedfactor.For
example:
Life_Age_2029
Life_Age_3039
Life_Age_4049
Life_Age_5059
Life_Age_6069
Life_Age_70greater
CreatingVariableRateProfiles
1.InthePlanConfigurationworkarea,selecttheManageBenefitRatestask.
2.ClicktheVariableRateProfilestab.
3.ClickCreate.
4.OntheCreateVariableRateProfilepage,completethefields,asshowninthistable.Usethedefault
valuesexceptwhereindicated.
OracleConfidential
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CreatingaStandardRate
1.ClicktheRatesandCoveragestab.
2.OntheStandardRatestab,clickCreateCreateStandardRate.
3.OntheCreateStandardRatespage,completethefields,asshowninthistable.Usethedefaultvalues
exceptwhereindicated.
AssociatingtheVariableRateProfilestotheStandardRate
1.OntheVariableRateProfileNametab,clickSelectandAdd.
2.OntheSelectandAddwindowenterasequencenumberandselectthefirstofthesixvariable
profilesyoucreatedearlier.ClickOK.
3.Repeatsteps1and2toaddtheotherfivevariableprofilestothisrate.
4.ClickSaveandClose.
ImputedRates:Explained
ImputedincomereferstocertainformsofindirectcompensationthatUSInternalRevenueService
Section79definesasfringebenefitsandtaxestherecipientaccordingly.Examplesincludeemployer
paymentofgrouptermlifeinsurancepremiumsoveracertainmonetaryamount,personaluseofa
companycar,andothernoncashawards.
Ifaplanissubjecttoimputedincome,youmustcreateanimputedrate,inadditiontothestandard
ratesfortheplan.Youmustalsocreateashellplantorecordtheimputedincomecalculation.You
typicallyassociatevariablerateprofileswiththeimputedrate,becauseimputedincometaxesvary
OracleConfidential
Page36
basedonaperson'sage.Thefollowingfigureillustratesthegeneralstepsinvolvedincreatingimputed
rates:
Prerequisites
Performthefollowingtasksbeforeyoucreateanimputedrate.
Definethepayrollelementfortherate.
Definederivedfactorsforeachageband(oranyotherfactors)forwhichtheratevaries,suchas
ages2025,2630,andsoon.
Defineaneligibilityprofileforeachagebandandattachtheappropriatederivedfactors.
Defineanyotherobjectsrequiredbythespecificrate,suchasformulas.
CreatingtheImputedIncomePlan
Createtheplanthatissubjecttoimputedincome.SettheSubjectToImputedIncomefieldtothe
appropriatepersontypeforthisrate,suchasparticipant,spouse,ordependent.
CreatingtheShellPlan
Createanotherplantoholdtheresultsoftheimputedincomecalculation,usingthefollowingsettings:
SettheplantypetoImputedShell.
SettheplanfunctiontoImputedShell.
Settheimputedincomecalculationtothepersontype(participant,spouse,ordependent)thatis
subjecttoimputedincome.
_______________________________________________________________
Note
Theimputedincomecalculationassumesthattheemployerpays100%ofthebenefit,anddoesnot
subtractemployeecontributionsfromthecalculation.
_______________________________________________________________
CreatingtheVariableRateProfiles
Createvariablerateprofilesforeachvariablerate,usingthefollowingsettings:
SettheactivitytypetoImputedBenefit.
Selecttheappropriateeligibilityprofilefortheageband.
SetthecalculationmethodtoFlatAmount.
Entertherateamount.
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Page37
Provideadditionalinformationasapplicablefortherate.
CreatingtheImputedRate
FromtheStandardRatestab,clicktheCreatemenuandthenclickCreateImputedRate.
IntheImputedShellPlanfield,selecttheshellplanyoucreatedearlier.Provideadditionalrate
informationasapplicable.AssociatingtheVariableRateProfileswiththeImputedRate
Selectandaddthevariablerateprofilestotheimputedrate.
ElementsandInputValuesforBenefitRates:Explained
Elementsarecomponentsinthecalculationofemployeepay.Anelementcancontainmultipleinput
values,whichyoudefinewhenyoucreatetheelement.Theseitemsofinformationarecalledinput
valuesbecausetheyaretheinputstocalculationsperformedbythepayrollapplication.Inputvalues
holdinformationforcalculatingtheelement'srunresult.Aninputvaluecanholdunitsofone
type,suchasmoneyorhours.Whenyoucreateabenefitrate,youselecttheElementInputValueto
whichtheratecorresponds.Thatway,whentheapplicationcalculatestherateforapersonandbenefits
offering,theresultcanbecapturedandtransferredtopayroll.Ifyouaredefiningarateforanabsence
planandyouneedtoassociatemorethanoneinputvaluewiththerate,selecttheExtraInputFormula
thatcalculatesthevaluestobereturnedtotheotherinputvalues.UsetheExtraInputstabto
associatetheformularesultswiththeappropriateinputvalues.
ValuePassedtoPayroll:PointstoConsider
IntheValuePassedtoPayrollfieldontheCreateorEditRatespage,selecttheamountthatyouwantto
passtoaparticipant'spayrollelemententryonenrollment.Yourchoicesare:
Communicatedamount
Theamountthattheparticipantistoldtoexpectfortheircontributionordistribution.
Definedamount
Theamountthatisdefinedfortherate,whichmaybedifferentthantheamountcommunicatedto
theparticipant.
Estimatedperpayperiodamount
Anestimatebasedonafixednumberofpayperiods.Forexample,abiweeklypayrollmight
occasionallyhave25or27payperiodsinacalendaryear,dependingonthesetup.Likewise,a
weeklypayrollmighthave51or53periods.Whenyouselectthisoption,thecalculationusesthe
usualnumberofpayperiods,whichwouldbe26forbiweeklyor52forweekly.
Perpayperiodamount
Theactualperpayperiodamountbasedondefinedcalculations.Ifyoudonotselectavalue,the
calculationusestheperpayperiodamount.Youcanprorateonlyperpayperiodamounts.
Annualamount
Thedefinedamountannualized.
________________________________________________________________
Note
Whenusingaformulatodefinerateperiods,selectAnnualamount,Definedamount,orCommunicated
amount.
________________________________________________________________
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Page38
HowCoveragesAreCalculated
Thecalculationmethodandothersettingsdefinedforcoveragedeterminewhenandhowitis
calculated.Forexample,thecoveragemaybecalculatedpriortoenrollment,uponenrollment,orafter
enrollmenthasbeencompleted.
Example: Multiple of Compensation
OracleConfidential
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ManageBenefitRatesandCoverage
What'sthedifferencebetweenLimitersandUltimateLimiters?
Limitersestablishtheminimumandmaximumvariablerateorcoverageamountbeforeitisaddedto,
subtractedfrom,ormultipliedbythestandardrateorcoverage.Ultimatelimitersestablishthe
minimumandmaximumvariablerateorcoverageamountafteritaddedto,subtractedfrom,or
multipliedbythestandardrateamount.Forexample,theultimatehighlimitvaluesetsthe
absolutemaximumrateamountwhentheAddtotreatmentruleisselected,wherebythevariablerate
calculatedresultisaddedtothestandardratecalculation.
OpensourceSetupforPlanCoverages
CoverageName
AD&DLifeInsurance$50,000
AD&DLifeInsurance1xSalary
OracleConfidential
PlanName
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
OptionName
$50,000
1XSalary
2XSalary
Page40
ChildLifeInsurance$10,000
DependentCareFSA
GroupTermLife$50,000
GroupTermLife1xSalary
HealthCareFSA
LongTermDisability50%ofSalary
LongTermDisability60%ofSalary
ShortTermDisability70%ofSalary
ShortTermDisability75%ofSalary
SpouseLifeInsurance$10,000
SpouseLifeInsurance$25,000
SupplementalLife$50,000
SupplementalLife1xSalary
TransportationFSA
1xSalary
CriticalIllness:10:OIPL:Coverage
CriticalIllness:20:OIPL:Coverage
CriticalIllness:PLN:Coverage
HealthScreening:PLN:Coverage
TravelInsurance:PLN:Coverage
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
AD&DLifeInsurance
ChildLifeInsurance
DependentCareFSA
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
GroupTermLife
HealthCareFSA
LongTermDisability
LongTermDisability
ShortTermDisability
ShortTermDisability
SpouseLifeInsurance
SpouseLifeInsurance
TransportationFSA
CriticalIllness
CriticalIllness
CriticalIllness
HealthScreening
TravelInsurance
3XSalary
4XSalary
5XSalary
6XSalary
7XSalary
$10,000
$50,000
1XSalary
2XSalary
3XSalary
4XSalary
5XSalary
6XSalary
7XSalary
50%ofSalary
60%ofSalary
70%ofSalary
75%ofSalary
$10,000
$25,000
$50,000
1XSalary
2XSalary
3XSalary
4XSalary
5XSalary
6XSalary
7XSalary
1XSalary
75%ofSalary
25%ofSalary
50%ofSalary
FordetailsonthesetupspleaseseetheBenefitsWorkshopspreadsheet>PlanCoveragetab
OracleConfidential
Page41

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