Set Up Benefit Rate Tables

Rate tables allow you to test for specific conditions and to perform complex calculations. You define the calculations once and then reference this information for other plans that you define. For example, you can set up a rate table that calculates different premiums based on whether the employee coverage includes a spouse or dependent children.

Rate Tables Must be Unique

Each benefit plan must reference a unique rate table. That is, you cannot have more than one benefit plan reference the same rate table. For example, if you set up an "HMO" rate table and you know you will want five benefit plans to reference it, set up five separate rate tables with the same values, naming them HMO, 1HMO, 2HMO, 3HMO, and 4HMO.

Use the Copy Table button on the Benefit Rate Table Setup Detail page to copy a rate table with the same values and then enter a different code and description for the rate table.

Sage ESS

If you are using Sage ESS, you should never change or remove a rate table that is currently in use in a life event or attached to a life event that has not yet been transferred to Sage HRMS.

To Set Up Benefit Rate Tables

1. Select Setup > Employees > Benefits > Rate Table Setup.
2. From the Employer drop-down list, select the employer with whom you want to work.
3. Click Add (or select an existing table, click More and then click Copy Table to copy the original rate table to a new rate table). The Benefit Rate Table Setup Detail page opens.
4. Enter the Code and Description for the rate table. When you set up a benefit plan, you reference the rate table by this code.
5. Enter a column heading for the first condition you want to check. Sage HRMS can checks for a condition by the following methods. These methods are called Column Match Types. Select one of the following:
   • Exact Match. Sage HRMS looks at the condition it is checking for and if it exactly matches a condition in the rate table, Sage HRMS will use the associated rate.
   • Up To and Including. Sage HRMS looks at the condition it is checking for and if it falls within a range defined in the rate table, Sage HRMS will use the associated rate. Use Up To and Including for a coverage, premium, or contribution amount since they usually fall within a range.

   • Cumulative. Cumulative is normally used for savings plans. You can define an employer match for different percentages the employee contributes to the plan.

     For example, an employer matches dollar for dollar employee contributions up to the first 4% of their salary. If an employee contributes 6%, then the employer still matches dollar for dollar up to 4% but only matches $.50 on the dollar on the remaining 2%. Going one step further, if an employee contributes 8% of their salary, the employer matches dollar for dollar on the first 4%, $.50 on the dollar for the next 2%, then $.25 on the dollar for the remaining 2%.

6. In the Column Expression field, enter a function. The Column Expression field enables you to enter a function or expression. To define the expression as an amount, enter the amount in the field. To define the expression as a function or formula, select Expression Builder. The Expression Builder opens so you can define the expression for the rate table.
7. If you are using Sage ESS and are defining a rate table expression to be used in a benefit plan for life events or open enrollment, please note that Sage ESS can only support benefit calculation expressions that reference records from the following tables:

   Table Name	Table	Alias
   Benefit Plan Set Up	HBePlan	BT
   Employee Benefit Plan	HBene	BE
   Employee Personnel	HRPersnl	PE
   Dependent Benefits	HDepben	DB
   Employee Dependents	HDepend	DE

8. Repeat steps 5-6 for each condition you want to check.
9. Click the Rate Table tab to enter the rates.

Entering Rate Table Data

When you set rates for the conditions you are checking for, you specify the order in which Sage HRMS checks the conditions and the rates it should use for those conditions.

For example, a rate table for a medical plan defines the following rates for enrolled dependents:

• $0 for no spouse and no children
• $100 for a spouse and no children
• $75 for no spouse and one child
• $150 for a spouse and one child
• $250 for a spouse and two or more children

The order and conditions for this rate table are illustrated by the table below.

Order	Insured Spouse	Insured Child	Rate
1	0	0	0
2	1	0	100
3	0	1	75
4	1	1	150
5	1	99	250

To Enter Data

1. On the Rate Table tab, click Add. Sage HRMS automatically inserts the number 1 in the Order column of the first row.
2. Click Tab to move to the first column.
3. To set up the first rate, enter a value for the first column. Click Tab to move to the other columns and enter the appropriate values.
4. Click Tab to move to the Rate column and enter a value.
5. Click Enter to save your rate and move back to the Order column.
6. Click Add to set the next rate. Sage HRMS inserts the number 2 in the Order column.
7. Repeat the process, clicking Add for each new rate, until you've completed the rates for the benefit plan.

   Note: Do not exceed 251 characters in the Rate column.

8. Click OK to save your rate table. Sage HRMS returns you to the Benefit Rate Table Setup page.

   Note: As you set up your own plans, remember your insurance provider sets your rates.

Published: May 17, 2017
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