IS IT POSSIBLE TO APPLY DIFFERENT FUNDING PERCENTAGES TO DIFFERENT CLASSES OF EMPLOYEES, WHILE STILL KEEPING THEM ALL ON THE SAME PLAN DESIGN? IS THIS AS SIMPLE AS PUTTING IN A SEPARATE SPD FOR EACH CLASS OR IS IT MORE COMPLICATED?

The SPD does not specify each employee or employer contributions. Listed below is the standard language found in our documents.

“The Employer and employees both contribute to the Plan. Premiums are paid to the Insurers for fully insured Benefit Programs and benefits will be paid by the Insurer in accordance with the applicable insurance contract/policy.”