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{"sheet":"CalcSheet","index":0,"n_rows":47,"n_cols":16,"rows_kept":47,"cut":false,"hidden":false,"merged":[[18,10,18,13],[19,10,19,13],[1,0,1,8],[5,0,5,7],[2,0,2,8],[8,0,8,8],[17,10,17,13]]}
[]
["2024 Flexible Benefits Program Calculator Tool",null,null,null,null,null,null,null,null,null,"   INSTRUCTIONS"]
[]
[]
[]
[]
[]
[]
[]
["Enter your age* at January 1, 2024:"]
["Enter your annual earnings:  ",null,null,null,"Before Tax","After Tax"]
["Benefit Plan","Option","Coverage Level"]
[" General Flex Credits",null,null,null,null,null,null,200,{"$f":"SUM(H13-G13)","v":200}]
[" Extended Health","Comprehensive","Employee Only",null,"YES",null,{"$f":"CalcEHCosts()","v":792},{"$f":"CalcEHCredits()","v":792},{"$f":"SUM(H14-G14)","v":0}]
[" Dental","Comprehensive","Employee Only",null,"YES",null,{"$f":"CalcDenCosts()","v":642},{"$f":"CalcDenCredits()","v":642},0]
[" Employee Basic Life Insurance",null,{"$f":"IF(B10 = \"\", \"N/A\",IF(B10 > 64,\"N/A\",IF(B16 = \"Core\",25000,IF(B16 = \"Comprehensive\", 100000,IF( B16 = \"Enhanced\",IF(B11 * 3 <=100000,\"3 X Annual Earnings (\" & DOLLAR(100000) & \")\",\"3 X Annual Earnings (\" & DOLLAR(3 * B11) & \")\"),\"\")))))","v":"N/A"},null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10 > 64,0,CalcBLCosts()))","v":0},{"$f":"IF(B10=\"\",0,IF(B10 > 64,0,CalcBLCredits()))","v":0},{"$f":"SUM(H16-G16)","v":0}]
[" Employee Optional Life Insurance",null,null,null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10>64,0,IF(B17 = \"Waive\",0,IF(AND(B17<>\"\",C17<>\"\"),INDEX(EmployeeOptional!A1:AC41,MATCH(C17,EmployeeOptional!A1:A41,0),MATCH(B17,EmployeeOptional!A1:AC1,0)),0))))","v":0},null,0]
[" Spouse Optional Life",null,null,null,null,null,{"$f":"IF(B10=\"\",0,IF(B10>64,0,IF(B18 = \"Waive\",0,IF(AND(B18<>\"\",C18<>\"\"),INDEX(SpouseOptional!A1:AC21,MATCH(C18,SpouseOptional!A1:A21,0),MATCH(B18,SpouseOptional!A1:AC1,0)),0))))","v":0},null,0,null,"    Minimum HSA allocation you could make:",null,null,null,100]
[" Child Optional Life",null,null,null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10>64,0,CalcCOptCosts()))","v":0},null,0,null,"    Maximum HSA allocation:",null,null,null,{"$f":"SUM(H13:H16) - (G14 + G15)","v":200}]
[" Optional Family Funeral Benefit",null,"N/A",null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10>64,0,CalcFnlCosts()))","v":0},null,0,null,"    Monthly maximum (i.e., Maximum/12)",null,null,null,{"$f":"SUM(O19/12)","v":16.666666666666668}]
[" Employee Optional AD&D",null,null,null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10>64,0,calceadd()))","v":0},null,0]
[" Spouse Optional AD&D",null,null,null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10>64,0,calcsadd()))","v":0},null,0]
[" Child Optional AD&D",null,null,null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10>64,0,calccadd()))","v":0},null,0]
[null,null,"                     Total Flex Credits (Before tax dollars)",null,null,null,null,{"$f":"SUM(H13:H23)","v":1634}]
[null,null,"Total Cost of Before Tax Benefits",null,null,null,{"$f":"SUM(G14:G15)","v":1434}]
[null,null,"Total Cost of After Tax Benefits",null,null,null,{"$f":"SUM(G16:G23)","v":0}]
["HSA Allocation",0,null,null,null,null,null,null,null,null,null,null,null,null,null,"`"]
[]
[]
["Summary of Annual Costs & Credits Table"]
["Item","After Tax","Before Tax",null,null,null,"Total"]
["Costs",{"$f":"SUM(G16:G23)","v":0},{"$f":"SUM(G14+G15)","v":1434},null,null,null,{"$f":"B32+C32","v":1434}]
["Credits",null,{"$f":"(SUM(H13:H23))*-1","v":-1634},null,null,null,{"$f":"B33+C33","v":-1634}]
["Health Spending Account Allocation",null,{"$f":"B27","v":0},null,null,null,{"$f":"B34+C34","v":0}]
["Your Costs",{"$f":"B32","v":0},{"$f":"C32+C34+C33","v":-200},null,null,null,{"$f":"(B35+C35)*-1","v":200}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["   "]

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[25000,18,30,9,12,18,36,12,18,24,60,18,30,48,102,30,60,87,177,48,90,144,294,84,138,189,396,108,192]
[50000,36,60,18,24,36,72,24,36,48,120,36,60,96,204,60,120,174,354,96,180,288,588,168,276,378,792,216,384]
[75000,54,90,27,36,54,108,36,54,72,180,54,90,144,306,90,180,261,531,144,270,432,882,252,414,567,1188,324,576]
[100000,72,120,36,48,72,144,48,72,96,240,72,120,192,408,120,240,348,708,192,360,576,1176,336,552,756,1584,432,768]
[125000,90,150,45,60,90,180,60,90,120,300,90,150,240,510,150,300,435,885,240,450,720,1470,420,690,945,1980,540,960]
[150000,108,180,54,72,108,216,72,108,144,360,108,180,288,612,180,360,522,1062,288,540,864,1764,504,828,1134,2376,648,1152]
[175000,126,210,63,84,126,252,84,126,168,420,126,210,336,714,210,420,609,1239,336,630,1008,2058,588,966,1323,2772,756,1344]
[200000,144,240,72,96,144,288,96,144,192,480,144,240,384,816,240,480,696,1416,384,720,1152,2352,672,1104,1512,3168,864,1536]
[225000,162,270,81,108,162,324,108,162,216,540,162,270,432,918,270,540,783,1593,432,810,1296,2646,756,1242,1701,3564,972,1728]
[250000,180,300,90,120,180,360,120,180,240,600,180,300,480,1020,300,600,870,1770,480,900,1440,2940,840,1380,1890,3960,1080,1920]
[275000,198,330,99,132,198,396,132,198,264,660,198,330,528,1122,330,660,957,1947,528,990,1584,3234,924,1518,2079,4356,1188,2112]
[300000,216,360,108,144,216,432,144,216,288,720,216,360,576,1224,360,720,1044,2124,576,1080,1728,3528,1008,1656,2268,4752,1296,2304]
[325000,234,390,117,156,234,468,156,234,312,780,234,390,624,1326,390,780,1131,2301,624,1170,1872,3822,1092,1794,2457,5148,1404,2496]
[350000,252,420,126,168,252,504,168,252,336,840,252,420,672,1428,420,840,1218,2478,672,1260,2016,4116,1176,1932,2646,5544,1512,2688]
[375000,270,450,135,180,270,540,180,270,360,900,270,450,720,1530,450,900,1305,2655,720,1350,2160,4410,1260,2070,2835,5940,1620,2880]
[400000,288,480,144,192,288,576,192,288,384,960,288,480,768,1632,480,960,1392,2832,768,1440,2304,4704,1344,2208,3024,6336,1728,3072]
[425000,306,510,153,204,306,612,204,306,408,1020,306,510,816,1734,510,1020,1479,3009,816,1530,2448,4998,1428,2346,3213,6732,1836,3264]
[450000,324,540,162,216,324,648,216,324,432,1080,324,540,864,1836,540,1080,1566,3186,864,1620,2592,5292,1512,2484,3402,7128,1944,3456]
[475000,342,570,171,228,342,684,228,342,456,1140,342,570,912,1938,570,1140,1653,3363,912,1710,2736,5586,1596,2622,3591,7524,2052,3648]
[500000,360,600,180,240,360,720,240,360,480,1200,360,600,960,2040,600,1200,1740,3540,960,1800,2880,5880,1680,2760,3780,7920,2160,3840]
[525000,378,630,189,252,378,756,252,378,504,1260,378,630,1008,2142,630,1260,1827,3717,1008,1890,3024,6174,1764,2898,3969,8316,2268,4032]
[550000,396,660,198,264,396,792,264,396,528,1320,396,660,1056,2244,660,1320,1914,3894,1056,1980,3168,6468,1848,3036,4158,8712,2376,4224]
[575000,414,690,207,276,414,828,276,414,552,1380,414,690,1104,2346,690,1380,2001,4071,1104,2070,3312,6762,1932,3174,4347,9108,2484,4416]
[600000,432,720,216,288,432,864,288,432,576,1440,432,720,1152,2448,720,1440,2088,4248,1152,2160,3456,7056,2016,3312,4536,9504,2592,4608]
[625000,450,750,225,300,450,900,300,450,600,1500,450,750,1200,2550,750,1500,2175,4425,1200,2250,3600,7350,2100,3450,4725,9900,2700,4800]
[650000,468,780,234,312,468,936,312,468,624,1560,468,780,1248,2652,780,1560,2262,4602,1248,2340,3744,7644,2184,3588,4914,10296,2808,4992]
[675000,486,810,243,324,486,972,324,486,648,1620,486,810,1296,2754,810,1620,2349,4779,1296,2430,3888,7938,2268,3726,5103,10692,2916,5184]
[700000,504,840,252,336,504,1008,336,504,672,1680,504,840,1344,2856,840,1680,2436,4956,1344,2520,4032,8232,2352,3864,5292,11088,3024,5376]
[725000,522,870,261,348,522,1044,348,522,696,1740,522,870,1392,2958,870,1740,2523,5133,1392,2610,4176,8526,2436,4002,5481,11484,3132,5568]
[750000,540,900,270,360,540,1080,360,540,720,1800,540,900,1440,3060,900,1800,2610,5310,1440,2700,4320,8820,2520,4140,5670,11880,3240,5760]
[775000,558,930,279,372,558,1116,372,558,744,1860,558,930,1488,3162,930,1860,2697,5487,1488,2790,4464,9114,2604,4278,5859,12276,3348,5952]
[800000,576,960,288,384,576,1152,384,576,768,1920,576,960,1536,3264,960,1920,2784,5664,1536,2880,4608,9408,2688,4416,6048,12672,3456,6144]
[825000,594,990,297,396,594,1188,396,594,792,1980,594,990,1584,3366,990,1980,2871,5841,1584,2970,4752,9702,2772,4554,6237,13068,3564,6336]
[850000,612,1020,306,408,612,1224,408,612,816,2040,612,1020,1632,3468,1020,2040,2958,6018,1632,3060,4896,9996,2856,4692,6426,13464,3672,6528]
[875000,630,1050,315,420,630,1260,420,630,840,2100,630,1050,1680,3570,1050,2100,3045,6195,1680,3150,5040,10290,2940,4830,6615,13860,3780,6720]
[900000,648,1080,324,432,648,1296,432,648,864,2160,648,1080,1728,3672,1080,2160,3132,6372,1728,3240,5184,10584,3024,4968,6804,14256,3888,6912]
[925000,666,1110,333,444,666,1332,444,666,888,2220,666,1110,1776,3774,1110,2220,3219,6549,1776,3330,5328,10878,3108,5106,6993,14652,3996,7104]
[950000,684,1140,342,456,684,1368,456,684,912,2280,684,1140,1824,3876,1140,2280,3306,6726,1824,3420,5472,11172,3192,5244,7182,15048,4104,7296]
[975000,702,1170,351,468,702,1404,468,702,936,2340,702,1170,1872,3978,1170,2340,3393,6903,1872,3510,5616,11466,3276,5382,7371,15444,4212,7488]
[1000000,720,1200,360,480,720,1440,480,720,960,2400,720,1200,1920,4080,1200,2400,3480,7080,1920,3600,5760,11760,3360,5520,7560,15840,4320,7680]

{"sheet":"SpouseOptional","index":2,"n_rows":21,"n_cols":29,"rows_kept":21,"cut":false,"hidden":true,"merged":[]}
["Waive","UNDER 35 MALE N / S","UNDER 35 MALE SMOKER","UNDER 35 FEMALE N / S","UNDER 35 FEMALE SMOKER","AGE 35-39 MALE N / S","AGE 35-39 MALE SMOKER","AGE 35-39 FEMALE N / S","AGE 35-39 FEMALE SMOKER","AGE 40-44 MALE N / S","AGE 40-44 MALE SMOKER","AGE 40-44 FEMALE N / S","AGE 40-44 FEMALE SMOKER","AGE 45-49 MALE N / S","AGE 45-49 MALE SMOKER","AGE 45-49 FEMALE N / S","AGE 45-49 FEMALE SMOKER","AGE 50-54 MALE N / S","AGE 50-54 MALE SMOKER","AGE 50-54 FEMALE N / S","AGE 50-54 FEMALE SMOKER","AGE 55-59 MALE N / S","AGE 55-59 MALE SMOKER","AGE 55-59 FEMALE N / S","AGE 55-59 FEMALE SMOKER","AGE 60-64 MALE N / S","AGE 60-64 MALE SMOKER","AGE 60-64 FEMALE N / S","AGE 60-64 FEMALE SMOKER"]
[25000,18,30,9,12,18,36,12,18,24,60,18,30,48,102,30,60,87,177,48,90,144,294,84,138,189,396,108,192]
[50000,36,60,18,24,36,72,24,36,48,120,36,60,96,204,60,120,174,354,96,180,288,588,168,276,378,792,216,384]
[75000,54,90,27,36,54,108,36,54,72,180,54,90,144,306,90,180,261,531,144,270,432,882,252,414,567,1188,324,576]
[100000,72,120,36,48,72,144,48,72,96,240,72,120,192,408,120,240,348,708,192,360,576,1176,336,552,756,1584,432,768]
[125000,90,150,45,60,90,180,60,90,120,300,90,150,240,510,150,300,435,885,240,450,720,1470,420,690,945,1980,540,960]
[150000,108,180,54,72,108,216,72,108,144,360,108,180,288,612,180,360,522,1062,288,540,864,1764,504,828,1134,2376,648,1152]
[175000,126,210,63,84,126,252,84,126,168,420,126,210,336,714,210,420,609,1239,336,630,1008,2058,588,966,1323,2772,756,1344]
[200000,144,240,72,96,144,288,96,144,192,480,144,240,384,816,240,480,696,1416,384,720,1152,2352,672,1104,1512,3168,864,1536]
[225000,162,270,81,108,162,324,108,162,216,540,162,270,432,918,270,540,783,1593,432,810,1296,2646,756,1242,1701,3564,972,1728]
[250000,180,300,90,120,180,360,120,180,240,600,180,300,480,1020,300,600,870,1770,480,900,1440,2940,840,1380,1890,3960,1080,1920]
[275000,198,330,99,132,198,396,132,198,264,660,198,330,528,1122,330,660,957,1947,528,990,1584,3234,924,1518,2079,4356,1188,2112]
[300000,216,360,108,144,216,432,144,216,288,720,216,360,576,1224,360,720,1044,2124,576,1080,1728,3528,1008,1656,2268,4752,1296,2304]
[325000,234,390,117,156,234,468,156,234,312,780,234,390,624,1326,390,780,1131,2301,624,1170,1872,3822,1092,1794,2457,5148,1404,2496]
[350000,252,420,126,168,252,504,168,252,336,840,252,420,672,1428,420,840,1218,2478,672,1260,2016,4116,1176,1932,2646,5544,1512,2688]
[375000,270,450,135,180,270,540,180,270,360,900,270,450,720,1530,450,900,1305,2655,720,1350,2160,4410,1260,2070,2835,5940,1620,2880]
[400000,288,480,144,192,288,576,192,288,384,960,288,480,768,1632,480,960,1392,2832,768,1440,2304,4704,1344,2208,3024,6336,1728,3072]
[425000,306,510,153,204,306,612,204,306,408,1020,306,510,816,1734,510,1020,1479,3009,816,1530,2448,4998,1428,2346,3213,6732,1836,3264]
[450000,324,540,162,216,324,648,216,324,432,1080,324,540,864,1836,540,1080,1566,3186,864,1620,2592,5292,1512,2484,3402,7128,1944,3456]
[475000,342,570,171,228,342,684,228,342,456,1140,342,570,912,1938,570,1140,1653,3363,912,1710,2736,5586,1596,2622,3591,7524,2052,3648]
[500000,360,600,180,240,360,720,240,360,480,1200,360,600,960,2040,600,1200,1740,3540,960,1800,2880,5880,1680,2760,3780,7920,2160,3840]

{"sheet":"Lists","index":3,"n_rows":61,"n_cols":3,"rows_kept":61,"cut":false,"hidden":true,"merged":[]}
["Medical Services Plan",null,"Cash"]
["Waive",null,"Health Spending Account"]
[]
["Employee Only",null,"Employee Only"]
["Employee + 1 Dependant",null,"Employee + Spouse"]
["Employee + 2 or More Dependants"]
[]
["Option 1",null,"Waive"]
["Option 2",null,"Coordination"]
["Option 3",null,"Comprehensive"]
["Option 4",null,"Enhanced"]
["Option 5"]
["Waive",null,"Core"]
[null,null,"Comprehensive"]
["Option 1",null,"Enhanced"]
["Option 2"]
["Option 3"]
["Option 4",null,"N/A"]
["Option 5"]
["Option 6"]
["Waive"]
[]
["Funeral Ben. (Sp.$10K-Ch.$5K)"]
["Waive"]
[]
[5000]
[10000]
[15000]
[20000]
[]
["Child Optional Life"]
["Waive"]
[]
["Optional AD/D"]
["Waive"]
[]
[10000]
[20000]
[30000]
[40000]
[50000]
[60000]
[70000]
[80000]
[90000]
[100000]
[110000]
[120000]
[130000]
[140000]
[150000]
[160000]
[170000]
[180000]
[190000]
[200000]
[210000]
[220000]
[230000]
[240000]
[250000]