We have had our workers comp policy with BBG for several years and have been extremely happy. These cookies will be stored in your browser only with your consent. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. Business Associate Agreement, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} She always responds quickly and is very professional. They are responsive and well informed in their efforts to ensure that we are satisfied. For example, a health insurance policy may require the insured to pay a $250 deductible before coverage begins. WebAggregate Stop Loss reimburses the employer for total plan claims that exceed expected plan claims by more than an established percent Eligible claim expenses that the This website uses cookies to improve your experience while you navigate through the website. endstream endobj 108 0 obj <>>>/Metadata 46 0 R/Names 134 0 R/Outlines 103 0 R/Pages 105 0 R/Type/Catalog/ViewerPreferences<>>> endobj 109 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/Properties<>/XObject<>>>/Rotate 0/Tabs/W/Thumb 38 0 R/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 110 0 obj <>stream The north closure is near the top of Willow Creek Pass at the Grand County and Jackson 0000004048 00000 n When year-end accounting is done the actual claims are compared to the aggregate attachment point. WebAggregate stop-loss (agg) is, for many people, the most intuitive form of medical excess claim coverage. Some stop-loss carriers evaluate TPAs and work only with those that meet their quality standards. Our first open enrollment in their system went off without a hitch. Stop loss insurance has been used for decades among health care sponsors who self-insure their medical and prescription drug coverage. We use analytics cookies to ensure you get the best experience on our website. Save Time Billing and Get Paid 2x Faster With FreshBooks. Great staff, always willing to go that extra mile to get things done for you. BBG is always extremely responsive and help answer any questions. Necessary cookies are absolutely essential for the website to function properly. 0000016870 00000 n WebWe offer specific and aggregate stop loss insurance products, with flexible options and extra features based on our special health expertise, that ensure employers have a range of choices to meet their needs. Specific Notification/Reimbursement Claim Form, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} They have amazing customer service across all of their departments. There are a number of different insurances that are useful for small business owners. Our seal also provides a nice shine to your Note: This just calculates the cost of gas, not maintenance or wear and tear on the car. WebThe maximum fine may not exceed ten thousand dollars for each violation. Billy Wood went out of his way to help me. If the Aggregate corridor is exceeded at the end of the policy year, the Stop Loss policy reimburses an employer for covered medical expenses that exceed the corridor, helping to protect the employers bottom line. Repricing Form, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} Great organization made up of great people. Our philosophy and vision unites our teams and distinguishes us from all others in the industry. They are a full service firm that doesn't just sign companies up for benefit coverages, they act as a strategic advisor to determine what solutions fit best for each company's situation and demographic. Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. 691 0 obj <> endobj It also states by what time the employer must pay any claims that they are liable for. At first I was skeptical about their employee navigator system but all more concerns were quickly resolved. Specific stop-loss puts a cap on the amount that the employer will pay for one individual employees claim. Webindividual stop loss coverage 8 aggregate stop loss coverage 8 policyholder duties 10 exclusions 12 omission, concealment or misrepresentation of fact 13 subrogation and acts of third parties 13 privacy of information 14 premiums 15 right to change terms of coverage 16 termination 17 general provisions 19 schedule of insurance 22 125% is the prevalent level, chosen by 83% of those with aggregate coverage, with 120% next at 11%. The primary focus of the survey remains current premium rates, as shown in the following more stable plans. Aegle. 0000007612 00000 n Self-funding can incur risks from catastrophic claims. 0000011454 00000 n Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. 0000014556 00000 n BBG takes the whole HR process from benefits enrollment to HR management, and streamlines the process to make it user-friendly, professional, and a huge time saver. We moved from One Digital over to BBG, and it was the best thing that we could have done. PREMIUM RATE: $73.17 per employee per month Composite rate for both Individual and Aggregate Stop Loss . Webyour Medical Stop Loss (stop loss) insurance coverage. Special thanks to Ulysses and Siobhan that have helped me greatly over the past few weeks. The team at BBG work tirelessly to ensure my company benefits package works for all of my employees. Specifically, Allison Brown has been amazing to work with. I love working with BBG! 0000011839 00000 n 0000002953 00000 n Individuals are often presented with a wide variety of options when purchasing health insurance policies, especially when it comes to deductibles and coverage limits. To ensure that you get the coverage you need, speak with a benefits consultant. These are a great group of folks who seem to strive at providing excellent customer service at every opportunity. All stop loss inquiries, claim notifications, and payment requests should be submitted to the Amalgamated Life people shown below. 0 I've worked with BBG for 7 years and was responsible for introducing BBG at my new company. I have found their team to be extremely helpful, very knowledgeable and responsive. What's the cost of a 125 mile road trip? FwC5;wBLx1O89+gnwpv6dL)|!ZG]- 5Co')4ix }^:+RN4fAr=e4,Qr&CH"CT,I#*svl!tCiC{[k(6 e'OF%$=-nV`$x[X{5c;ES. 0000004003 00000 n This mechanism can allow for improved ceding commission terms and bridge a gap between the cedants and reinsurers loss expectations. They are very knowledgeable in their area of expertise and you can always count on them to provide the best advice/counsel regarding various applicable matters. Medical stop loss provides an added layer of insurance protection to employers who choose to self-fund their health benefit plans. The employer is typically reimbursed by the carrier at the end of the contract period for any aggregate claims. (\.r6Gi*J 7T*G4U)LhJ'w1UVDIuD&JhLIS# ':WVO.RQ 7. Our financial strength ensures our clients will always be protected. Control the severity risk of your self-insured program through a stop loss captive from Tokio Marine HCC Stop Loss Group. 0000016539 00000 n Brock Reynolds is always very helpful and timely in all requests that me and my team make of him. Thanks Michelle!!! Overall, BBG is an outstanding organization that provide Subject Matter Expertise in everything they do. BBG has been incredibly helpful with my business insurance needs. A corridor deductible is expensespaid by the insured in excess of an insurance policys coverage limit, but below the threshold at which additional coverage options are available. H9'3e`/ 5/4;s ](1=THjb]_@l` n This deductible then has to be multiplied by the number of covered employees that the employer has for the month. Choosing Bronze, Silver, Gold, or Platinum Health Plans, Retirement Costs You May Not Have Considered, Health Insurance for Pregnant Women: Cost and How to Get It, Example of How a Corridor Deductible Works. Basic policy benefits are paid first, and when the basic policy benefits are exhausted, the corridor deductible then applies. finance the corridor between budgeted claims and aggregate stop-loss. Their availability, responsiveness, and ability to customize benefit plans to fit the businesss unique needs is unmatched. We found that the gamma distribution provides a fit that is almost always the best for both ground-up and excess layers. WebThere are two types of stop loss coverage: 1.Specific Stop Loss Protects the plan against high claims on any one individual 2.Aggregate Stop Loss Protects the plan against the accumulation of claims from the entire group that exceed a I am so impressed with them and with all the offerings BBG has for clients. Medical Stop Loss Fact Sheet, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} Aggregate Stop-Loss Aggregating Specific Corridor Claims Corridor Claims Funding (Level Funding) Contract Period ASL, Agg Aggregating Specific Deductible, Aggregating Spec Corridor Factor, Risk corridor, Attachment Corridor, Attachment percentage Claim liability, Maximum claim exposure, Monthly claims funding (MCF), AGGREGATE STOP LOSS PERCENTAGE: 125% . endstream endobj startxref What aggregate stop loss coverage does is protect the employer against higher than anticipated claims. I would highly recommend them!! trailer Great service! If you have ever been through a home remodel project, you get close to your clients and get to know them pretty well. 0000010287 00000 n WebStop Loss limits a self-funded employers health plan liability to a specified amount and protects the financial integrity of the self-funded plan. As an HR Professional, I have had an opportunity to work with several benefits brokers and BBG is by far a stand out. %PDF-1.3 % In contrast, specific stop-loss coverage may reimburse any individual claim in excess of $50,000. 0000012299 00000 n I LOVE BBG and their staff. A high-deductible health plan is health insurance with a high minimum deductible for medical expenses that must be paid before insurance coverage kicks in. If your employees filed $200,000 in total claims, therefore, the insurer would cover $75,000. %PDF-1.6 % Working with Derek we set up a three-year plan to reduce costs without any disruption to employees. The employer and insurance provider first estimate the average value of the anticipated claims. Disclosure Statement, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} If there is found to be any amounts in excess of this aggregate attachment point, they are reimbursed by the reinsurer. MLB RE, Inc. - Managing General Underwriter (MGU) providing Stop Loss Insurance, > Administration of Insurance Claims, Premium, & Policies, Reimbursement amounts available are $1,000,000 and $2,000,000. 0000002991 00000 n Aggregate stop-loss insurance is essentially insurance on insurance. Costs above the aggregate limit and above the corridor deductible may be shared by the insured and insurer through a cost-sharing arrangement. We are thankful! 170 0 obj <>stream They helped us navigate the daunting task of yearly health plan choice and enrollment flawlessly. 0 What are the loss ratios associated with stop loss insurance policies? We just recently went through open enrollment and it went incredibly smoothly. Expected claims. I recommend her to everyone. Derek is an industry expert his Broker of the Year award is well-deserved. Couldn't be happier. MSL Specimen Policy-Sample, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} They are very professional, responsive and easy to work with. Aggregate stop-loss insurance is designed as a form of protection for employers. When you're a client of BBG it's like your part of a big family (in a good way), everyone is always willing to assist in any way they can. preliminary claim unit (PCU)/specialty claim unit (SCU), Architects & Engineers and Contractors Prof. Working with BBG has been extremely easy and beneficial for our organization. With self-funded insurance, the employer assumes all financial risk when providing his or her employees with healthcare coverage. 0000001107 00000 n This means that the first dollars of medical expense incurred above I've had the opportunity to work closely with BBG for the last two years, as they serve as the broker for each of our commercial lines of insurance. Brock is very responsive and answers emails quickly and clearly. We started working with BBG this spring and are thrilled with the level of service, attention to detail, and knowledgeable staff. These are claims that are expected by their employees on a monthly basis. 0000010343 00000 n During that time, BBG has treated me and my company as valued business partners, providing proactive service around renewals and open enrollment, as well as giving us experienced expertise to manage changes during the pandemic.Most recently, Secoyia Wilson assisted with our D&O renewal, working to help me understand how organization changes would impact our premium. Earlier this year we interviewed severally companies for benefits administration and BBG was hands down the best service and takes professionalism and service to whole nother level. We've used BBG for our business benefits & insurance for almost 7 years. Guards against multiple large claims or an excessive number of moderate claims. hb```e``2 cc`a8n3No(@GO!_vGC&)&Sb#*9?.L8"r%tHJEGGGP((bt ; BL@$R A health insurance deductible is the amount of money you must pay out of pocket each year before your insurance plan benefits kick in. Aggregate stop loss provides employers with a ceiling on the dollar amount of any eligible expenses that the employer would ordinarily pay during a contract period, thus providing protection for the entire groups population. They have become an extension of our organizational family. Patty is the most organized person Ive ever worked with and keeps track of details with amazing accuracy. 0000007238 00000 n Aggregate stop-loss insurance is held for self-funded insurance plans for which an employer as 0000012420 00000 n 0000010763 00000 n A health insurance premium is an upfront payment made on behalf of an individual or family in order to keep their health insurance policy active. Michelle Milam is an incredible person! endstream endobj startxref With this information, we can calculate the monthly deductible per month per employee. The value of their monthly expected claims are set by the insurance company as $250 per month. WebAggregate Stop Loss Specifications: FIRST POLICY YEAR: October 1, 2019 through September 30, 2020 . BBG truly has top notch professionals that consistently provide excellent and proactive customer service. hXkSJVR[=u. Pricing of Aggregate Stop Loss is determined by projecting a claim target and attaching a risk corridor. Thank you so much BBG for being there for all of our benefits broker needs. Agg policies reimburse the insured organization when total claims during a stated period, usually 12 months, exceed a stated threshold (also known as the agg attachment point). The cost of the plan is calculated based on a percentage of projected plan costs, which is usually around 125 percent of the anticipated claims for the year. For paid reinstatements then extra premium is payable to reinstate the layer limit. This arrangement accomplishes a couple of things. Tokio Marine HCC has developed a medical stop loss solution specifically dedicated to meeting the unique needs of Taft-Hartley union plans. They are always available to answer questions and help whenever we need them. It has been a pleasure to work with BBG and their representatives. 0000025723 00000 n WebThis could also be used to estimate the gas costs of driving 125 miles/year or driving 125 miles over the life of the car. Arizona indicates that only Property and Casualty insurers are allowed to write aggregate stop loss insurance in that state. 5. Brought them into my current company as well as soon as an opportunity presented itself. More on How Aegle Works here Att. Plain and simple, BBG saves our company money. Thank you BBG making these complicated decision easier and for doing an excellent job! They are hands down one of the best! For small to medium sized employers, Cigna Level FundingSM and Graded Funding include Individual and Aggregate stop loss automatically. I highly recommend partnering with BBG. Looking forward to working with you in the future. I also cannot imagine not having such a great broker relationship, as I know they are always looking our for our interests and make recommendations that can be helpful. The value of the monthly cost would then be multiplied by the stop-loss attachment multiplier. He recently helped us with an audit and was very patient, explaining the details and helping us come to a resolution. Policies may have an initial deductible that is paid by the insured, a first benefit level that is paid by the insurer, a corridor deductible paid by the insured, and a secondary benefit level with costs shared by both the insured and insurer. Stop loss coverage creates a ceiling for how much a self-insured employer has to pay for high claims, and aggregate and specific are two forms of this coverage. This means that the price per month per employee for the stop-loss insurance policies for this company would be $375. WebAggregate Stop Loss Insurance that protects against an unusually high level of claims for the entire group. CPT4 Codes List, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} Mac, Walter and the BBG team are all top-notch folks. They save us money, and help us select products that fit our company's corporate culture, and future business goals. When I met Kelly Cole, their Office Manager a few years ago, she asked me if I had life insurance. They are responsive, proactive, and always willing to go the extra mile to assist. 0000040836 00000 n I know when I go to them with any questions or needs, they are quickly on it to get me the answers and resolutions I need. Thank you to your great team! aw )v['mq%(i,UD8^s5Q|10aG?Syn"[%EF%eh``P10AAb@AFa3:c@yU -* FA~2[O9-P=hdrCF@/@hKDCAH:F.-LL 0000005019 00000 n We highly recommend them and look forward to our continued partnership! WebSummit Racing Universal X-Pipe Kits SUM-642125 SUM-642125. This is usually based on estimates from the initial month of coverage. On average, individual stop loss levels typically range from $50,000 to $300,000 based on $25,000 increments. DQQszxv}+M g^#t[^&m>|9!T5*hU Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. BBG has been an excellent resource for us. Thats because our stop loss insurance can be specifically tailored to an employers needs Network Questionnaire, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} BBG is an incredible business partner and our dedicated consultants act like extended members of our company's team. As more and more employers begin to see the benefits of self-funded healthcare, the value of aggregate stop loss becomes more apparent. They have also provided additional resources that help me stay abreast of upcoming changes that affect our business, as well as helping me expand my Human Resources knowledge base. Statement of Commitment to Data Privacy and Security. WebMSL Aggregate Stop Loss Protection for the Captive $5M limit excess of ~ $3.2M in paid claims combined for E Trust A and EB Trust B between their respective Specific Excess Medical Stop We have tried out three different brokers and systems before selecting BBG and sticking with them. Johnny finds a side carrier to buy down the aggregate corridor to 105% of expected. We also use third-party cookies that help us analyze and understand how you use this website. They are very good at what they do and you will not be disappointed. The team I work with Jamie Trepanier and Kelci Payne are amazing. hb```"~V0e9n0f]x'qj(6IfmjxBeA7A^2, 0000020096 00000 n Stop loss coverage may be sold to a small group. xref By making the most of aggregate stop-loss insurance, you can be sure that youll never have to pay a bank-breaking claim from your employees. This is because if a large number of employees suddenly need medical coverage, or if there is a very large claim, the employer may not be able to afford it. WebRemove Corridor on Aggregate Stop-Loss. UR Vendor Questionnaire. Year End Aggregate Claim Form, .cls-1pdf,.cls-2pdf{fill:none;stroke:#009ce5;stroke-width:2px;}.cls-1pdf{stroke-linejoin:round;}.cls-2pdf{stroke-miterlimit:10;}.cls-3pdf{fill:#009ce5;} In this article, were going to talk about aggregate stop-loss insurance. By continuing to browse the site, you are agreeing to our use of cookies. They were able to provide great benefits and cost saving for our employees as well! WebAggregate and Expected Factors - These factors are used to determine the aggregate stop loss funding level. <]/Prev 733186>> 0000002740 00000 n Jessica and her team have made the renewal process seamless and she's always looking for ways to enhance our benefits. Under self-funded insurance, the employer must pay for each claim as it is provided instead of paying the insurance carrier a fixed premium for a fully-insured plan. I was new to the contracting and business insurance world and James helped me all the way to finalize the policy requirements and finally sending me the certificate. Everyone at BBG is knowledgeable and their willingness to make themselves available to not only our company, but our employees is unmatched. BBG defines excellence. Looking for Insurance? You also have the option to opt-out of these cookies. 748 0 obj <>stream WebWhen we lay your exposed aggregate, we seal the concrete with a high-quality resin to protect it from oil, grease, water, and stains. Their quick responses are helpful & direct. Keep up the GREAT work!! Insurance coverage is underwritten by Berkley Life and Health Insurance Company and/or StarNet Insurance Company, both member companies of W. R. Berkley Corporation and both rated A+ (Superior) by A.M. Best. 0000011198 00000 n 0000011616 00000 n Aggregating specific stop loss, a blend of both specific and aggregate stop loss. You may disable these by changing your browser settings, but this may affect how the website functions. Worked with the benefits and HR teams at a previous company as someone had referred them to me. An employer may, for example, purchase an aggregate stop-loss policy that covers claims over 125 percent of total anticipated annual claims. Through aggregate stop loss, it is possible to achieve and maintain financial stability. Learn more about aggregate stop loss and the best way to get it. The corridor deductible is usually a fixed dollar amount per loss and applies in the transitional area between basic coverage and major medical expense coverage. This is my third year serving my client and working with BBG to fulfill and complete the enrollment process. I had the pleasure of meeting Kelly Cole when she hired my company Phoenix Home Services to build her the kitchen of her dreams. I've worked with numerous benefits brokers over the years and they are second to none. It has been an auspicious pleasure working with BBG. If an employer has a monthly deductible, the amount that is owed per month can change. Sarah always provides excellent guidance and support for our questions big or small. 27 0 obj <> endobj 4. Kelly asked me one day who my broker was, I did not have one at that point but needed one. In the end, I was very pleased with both our renewal and the service from our partners at BBG. This provides employers with extended coverage for an average of three extra months following the termination of the stop loss policy. They all work together to keep us safe, healthy and protected! WebLoss Corridor Loss The ceding company retains part of the risk that starts at a pre-determined value of the loss ratio and for a pre-determined width Reinstatements Premium Limits the number of total and Losses losses covered by the contract. BBG is more than an insurance broker. I am very appreciative of our partnership with BBG. %%EOF MLB RE, Inc. is a full service Managing General Underwriter (MGU) headquartered in the Northeast. 0000003917 00000 n Kelly was thrilled to introduce me to Mike Gore, he was extremely helpful in setting up my coverage. Thank you BBG and here's to many more years of partnership. 0000007648 00000 n In dealing with setting up payroll for deductions for health benefit plans, my broker Jaimie put in touch with the right personnel, Michelle, in a quick manner. If there was 6 starts i would put that for them. Wonderful customer-service skills. 2023 Berkley Accident and Health. For any single participant, individual stop loss coverage is only liable for claims up to a certain deductible. Categories: Health and Benefits. The onboarding welcome webinar was an excellent way to become familiar with BBG. Aggregate stop-loss coverage protects a self-funded employer against large, unexpected costs that may put their business in financial risk. It was just really an act of kindness and assistance. trailer << /Size 336 /Info 297 0 R /Root 303 0 R /Prev 272307 /ID[<9b8e41d07ef949736ac9b97084ba6bfb><0f775d69b60e8c89efcea9e294314e98>] >> startxref 0 %%EOF 303 0 obj << /Type /Catalog /Pages 298 0 R /Metadata 299 0 R >> endobj 334 0 obj << /S 1785 /Filter /FlateDecode /Length 335 0 R >> stream 0000003247 00000 n In addition, BBG provides HR resources which have already proven to be valuable to our team. Stop Loss Purchasing Stop Loss Definitions Agg: 125%. If you are looking for a quality Benefits Group this would be the group to go with. Send invoices, track time, manage payments, and morefrom anywhere. However, the meaning of an attachment point depends upon the context in which it is used. I love working with BBG! 0000006653 00000 n We cannot say enough about their customer support, and recommend them to anybody looking for benefits consulting and insurance. On a side note, this is the first review I've ever left anywhere so that says something :). Before the aggregate corridor can be added, the expected claims level must be determined. That way, you can make a more informed decision. 0000002232 00000 n Their stop-loss attachment multiplier is 150%. To see our product designed specifically for your country, please visit the United States site. Stop-loss insurers often start coverage at 125% of your projected claims for the year$125,000 in our example. Their benefits plans are very competitive in the market. Having a high coverage limit allows the insured to have more of the total cost of procedures and care paid for by the insurer, but are also likely to cost more than policies with lower limits. I am so impressed with the benefits platform and the unlimited access provided to tools for HR knowledge and compliance. A corridordeductible is taken after all the medical and hospital expenses are paid up to a specifiedamount. Stop loss insurance, also referred to as excess insurance, is a product targeted towards self-insured employers. You can decline analytics cookies and navigate our website, however cookies must be consented to and enabled prior to using the FreshBooks platform. Today's help was the motivation to write a review. This means that the employer remains responsible for any claims that are below the deductible amount. We have an incredible rep who responds to our questions and concerns day or night and the technology platforms they have on offer have allowed us to streamline our HR functions to save us time and money. Copyright 2022, Tokio Marine HCC. WebTypical attachment points for aggregate stop loss (ASL) are set at 125 percent of a groups expected claims level, with some groups being written at lower levels115 percent or 0000003961 00000 n 0000003100 00000 n After the corridor deductible is paid,the major medical plan benefits come into effect. For employers with self-funded plans that set their own ISL level of deductible, the level should then be based on the plans unique risk tolerance.
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