Below the Employee Rate Breakdown in a group or business health insurance proposal or paycheck/paystub, there may be column headings that indicate EE Rate, Total Rate, Dep Rate, ER Cont and EE Cont.
Though business health insurance quotes come in various formats, most insurance providers use the same abbreviations. The EE Rate is the employee rate. This is usually placed in the column to the far left, on that same line. This is the rate of the employee’s insurance, regardless of whether they have dependents or not. The Dep Rate column displays the rate for the employee’s requested dependents, such as children. This rate is the total premium for all of the dependents. The premium will not adjust if it is rated as “family”, or even if the member or employee chooses to add more dependents to his or her health plan. An employee’s total premium is displayed in the Total Rate column, which includes the premium for the employee only, and the premium for their dependents. In case that an employee does not enroll any dependents, the result of the EE Rate will be the same as the Total Rate, and the space intended for the Dep Rate will indicate $0.
The column labeled EE contribution displays the percentage of the Total Rate which the employee will shoulder. This is derived from the employee and dependent contribution portions or percentages that are applied to compute the health plan quotes. In addition, the column labeled ER contribution shows the percentage of the Total Rate which the employer will shoulder, the Employer Contribution. This amount should be equal to the difference between the Total Rate and the EE Contribution. Each of the columns should show a total amount at the bottom – this shows the combined rates for every employee.
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