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Administrator Guide
Last Updated: 2023-06-23
Create Cross Plan Insurance Coverage Maximums

Create Cross Plan Insurance Coverage Maximums

Security:
Set Up: Benefits
 in the Benefits functional area.
Define the maximum amount an employee can elect in insurance coverage when enrolling in 2 or more insurance coverage plans.
  1. Access the
    Create Cross Plan Insurance Coverage Maximum
     task.
  2. As you complete this task, consider:
    Option Description
    Inactive
    Inactivates the cross plan rule for future use when it’s no longer valid. Transaction currently in progress completes as normal.
    Restricted to these Benefit Groups
    Limits the rule to specific benefit groups.
    If you leave this field blank, then Workday applies the rule to all benefit groups.
    Benefit Plans
    You can only select benefit plans belonging to benefit groups listed in the
    Restricted to these Benefit Groups
     field.
    Cross Plan Maximum
    Enter the total amount of insurance coverage that employees can elect.
    Allow Coverage Up to Maximum
    Defines how employees elect 1 or more insurance plans during enrollment.
    • Select so employees can elect 1 or more insurance plans with coverage up to the maximum. During enrollment, Workday displays only those coverage amounts that are equal to or 1 level greater than the maximum coverage. Workday automatically adjusts the coverage amount so that total coverage doesn't go over the maximum.
    • Clear the check box to display all options that employees can select. Workday automatically adjusts the coverage amount so that total coverage doesn't go over the maximum.
    Limit Display of Messages in Enrollment
    Select to hide Workday-delivered cross-plan messages under
    Important Messages
    . Workday continues to display auto-waive and error messages.
    Benefit Plan Calculation Order
    Orders the plans according to how you want the maximum coverage amount allocated if there are more than 1
    Benefit Plans
    .
Workday ensures that workers submit benefit elections that meet the maximum coverage of the cross plan insurance defined for a benefit group. However, employees can save their elections and return to the enrollment event to correct them later.
To limit the total coverage for Basic and Supplemental Life to $650,000:
  1. In the
    Restricted to these Benefit Groups
     field, select the benefit groups to which the $1,000,000 limit applies.
  2. In the
    Benefit Plan(s)
     field, select
    Basic Life
     and
    Supplemental Life
    .
    Note that the combined coverage in both plans can’t exceed the amount in the
    Cross Plan Maximum
     field.
  3. In the
    Cross Plan Maximum
     field, enter $650,000.
With these selections, Workday works 2 different ways depending on whether or not you selected the
Allow Coverage Up to Maximum
 check box. For an employee who has a salary of 100,000, Basic Insurance coverage is 1X, 2X, 3X, 4X, 5X the employee salary. Supplemental insurance coverage is the same as Basic.
If you selected the check box, the employee sees all options available for Basic Insurance. The employee elects 3X. For Supplemental Insurance coverage, the employee only sees the 1X, 2X, 3X, and 4X options. 4X is available because it’s the option that takes the employee insurance coverage to the maximum. The employee elects 4X. Because the maximum is $650,000, Workday automatically adjusts the coverage amount to $350,000 to prevent the total amount from exceeding the maximum.
Total Insurance Coverage = 650,000 (Basic = 3 X 100,000, Supplemental = 4 X 100,000) - (Workday's adjustment 50,000 to meet Cross Plan Maximum)
If you didn’t select the check box, the employee sees all options available for Basic and Supplement. If the employee elected 3X for Basic and 4X for Supplemental, Workday would display an error when the employee submitted the elections. The employee has to go back into the enrollment form to correct the elections.