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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]]}
[]
["2026 Flexible Benefits Program Calculator Tool",null,null,null,null,null,null,null,null,null,"   INSTRUCTIONS"]
[]
[]
[]
[]
[]
[]
[]
["Enter your age* at January 1, 2026:"]
["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":{"$error":"#NAME?"}},{"$f":"CalcEHCredits()","v":{"$error":"#NAME?"}},{"$f":"SUM(H14-G14)","v":{"$error":"#NAME?"}}]
[" Dental","Comprehensive","Employee Only",null,"YES",null,{"$f":"CalcDenCosts()","v":{"$error":"#NAME?"}},{"$f":"CalcDenCredits()","v":{"$error":"#NAME?"}},{"$error":"#NAME?"}]
[" Employee Basic Life Insurance",null,{"$f":"IF(B10 = \"\", \"N/A\",IF(B10 > 64,\"N/A\",IF(B16 = \"Core\",25000,IF(B16 = \"Comprehensive\", 100000,IF( B16 = \"Enhanced\",IF(B11 * 3 <=100000,\"3 X Annual Earnings (\" & DOLLAR(100000) & \")\",\"3 X Annual Earnings (\" & DOLLAR(CEILING(3 * B11,1000)) & \")\"),\"\")))))","v":"N/A"},null,null,"YES",{"$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",{"$f":"IF(B10=\"\",0,IF(B10>64,0,IF(B17 = \"Waive\",0,IF(AND(B17<>\"\",C17<>\"\"),INDEX(EmployeeOptional!A1:BE41,MATCH(C17,EmployeeOptional!A1:A41,0),MATCH(B17,EmployeeOptional!A1:BE1,0)),0))))","v":0},null,0]
[" Spouse Optional Life",null,null,null,null,null,{"$f":"IF(B10=\"\",0,IF(B10>64,0,IF(B18 = \"Waive\",0,IF(AND(B18<>\"\",C18<>\"\"),INDEX(SpouseOptional!A1:BE21,MATCH(C18,SpouseOptional!A1:A21,0),MATCH(B18,SpouseOptional!A1:BE1,0)),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":{"$error":"#NAME?"}}]
[" Optional Family Funeral Benefit",null,"N/A",null,null,"YES",{"$f":"IF(B10=\"\",0,IF(B10>64,0,CalcFnlCosts()))","v":0},null,0,null,"    Monthly maximum (i.e., Maximum/12)",null,null,null,{"$f":"SUM(O19/12)","v":{"$error":"#NAME?"}}]
[" 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":{"$error":"#NAME?"}}]
[null,null,"Total Cost of Before Tax Benefits",null,null,null,{"$f":"SUM(G14:G15)","v":{"$error":"#NAME?"}}]
[null,null,"Total Cost of After Tax Benefits",null,null,null,{"$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":{"$error":"#NAME?"}},null,null,null,{"$f":"B32+C32","v":{"$error":"#NAME?"}}]
["Credits",null,{"$f":"(SUM(H13:H23))*-1","v":{"$error":"#NAME?"}},null,null,null,{"$f":"B33+C33","v":{"$error":"#NAME?"}}]
["Health Spending Account Allocation",null,{"$f":"B27","v":0},null,null,null,{"$f":"B34+C34","v":0}]
["Your Costs",{"$f":"B32","v":0},{"$f":"C32+C34+C33","v":{"$error":"#NAME?"}},null,null,null,{"$f":"(B35+C35)*-1","v":{"$error":"#NAME?"}}]
[]
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[]
[]
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["   "]

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{"sheet":"SpouseOptional","index":2,"n_rows":21,"n_cols":57,"rows_kept":21,"cut":false,"hidden":true,"merged":[]}
["Waive","UNDER 35 MAN / BOY N / S","UNDER 35 MAN / BOY SMOKER","UNDER 35 WOMAN / GIRL N / S","UNDER 35 WOMAN / GIRL SMOKER","UNDER 35 NON-BINARY N / S","UNDER 35 NON-BINARY SMOKER","UNDER 35 PREFER NOT TO ANSWER N / S","UNDER 35 PREFER NOT TO ANSWER SMOKER","AGE 35-39 MAN / BOY N / S","AGE 35-39 MAN / BOY SMOKER","AGE 35-39 WOMAN / GIRL N / S","AGE 35-39 WOMAN / GIRL SMOKER","AGE 35-39 NON-BINARY N / S","AGE 35-39 NON-BINARY SMOKER","AGE 35-39 PREFER NOT TO ANSWER N / S","AGE 35-39 PREFER NOT TO ANSWER SMOKER","AGE 40-44 MAN / BOY N / S","AGE 40-44 MAN / BOY SMOKER","AGE 40-44 WOMAN / GIRL N / S","AGE 40-44 WOMAN / GIRL SMOKER","AGE 40-44 NON-BINARY N / S","AGE 40-44 NON-BINARY SMOKER","AGE 40-44 PREFER NOT TO ANSWER N / S","AGE 40-44 PREFER NOT TO ANSWER SMOKER","AGE 45-49 MAN / BOY N / S","AGE 45-49 MAN / BOY SMOKER","AGE 45-49 WOMAN / GIRL N / S","AGE 45-49 WOMAN / GIRL SMOKER","AGE 45-49 NON-BINARY N / S","AGE 45-49 NON-BINARY SMOKER","AGE 45-49 PREFER NOT TO ANSWER N / S","AGE 45-49 PREFER NOT TO ANSWER SMOKER","AGE 50-54 MAN / BOY N / S","AGE 50-54 MAN / BOY SMOKER","AGE 50-54 WOMAN / GIRL N / S","AGE 50-54 WOMAN / GIRL SMOKER","AGE 50-54 NON-BINARY N / S","AGE 50-54 NON-BINARY SMOKER","AGE 50-54 PREFER NOT TO ANSWER N / S","AGE 50-54 PREFER NOT TO ANSWER SMOKER","AGE 55-59 MAN / BOY N / S","AGE 55-59 MAN / BOY SMOKER","AGE 55-59 WOMAN / GIRL N / S","AGE 55-59 WOMAN / GIRL SMOKER","AGE 55-59 NON-BINARY N / S","AGE 55-59 NON-BINARY SMOKER","AGE 55-59 PREFER NOT TO ANSWER N / S","AGE 55-59 PREFER NOT TO ANSWER SMOKER","AGE 60-64 MAN / BOY N / S","AGE 60-64 MAN / BOY SMOKER","AGE 60-64 WOMAN / GIRL N / S","AGE 60-64 WOMAN / GIRL SMOKER","AGE 60-64 NON-BINARY N / S","AGE 60-64 NON-BINARY SMOKER","AGE 60-64 PREFER NOT TO ANSWER N / S","AGE 60-64 PREFER NOT TO ANSWER SMOKER"]
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[50000,36,60,18,24,36,60,36,60,36,72,24,36,36,72,36,72,48,120,36,60,48,120,48,120,96,204,60,120,96,204,96,204,174,354,96,180,174,354,174,354,288,588,168,276,288,588,288,588,378,792,216,384,378,792,378,792]
[75000,54,90,27,36,54,90,54,90,54,108,36,54,54,108,54,108,72,180,54,90,72,180,72,180,144,306,90,180,144,306,144,306,261,531,144,270,261,531,261,531,432,882,252,414,432,882,432,882,567,1188,324,576,567,1188,567,1188]
[100000,72,120,36,48,72,120,72,120,72,144,48,72,72,144,72,144,96,240,72,120,96,240,96,240,192,408,120,240,192,408,192,408,348,708,192,360,348,708,348,708,576,1176,336,552,576,1176,576,1176,756,1584,432,768,756,1584,756,1584]
[125000,90,150,45,60,90,150,90,150,90,180,60,90,90,180,90,180,120,300,90,150,120,300,120,300,240,510,150,300,240,510,240,510,435,885,240,450,435,885,435,885,720,1470,420,690,720,1470,720,1470,945,1980,540,960,945,1980,945,1980]
[150000,108,180,54,72,108,180,108,180,108,216,72,108,108,216,108,216,144,360,108,180,144,360,144,360,288,612,180,360,288,612,288,612,522,1062,288,540,522,1062,522,1062,864,1764,504,828,864,1764,864,1764,1134,2376,648,1152,1134,2376,1134,2376]
[175000,126,210,63,84,126,210,126,210,126,252,84,126,126,252,126,252,168,420,126,210,168,420,168,420,336,714,210,420,336,714,336,714,609,1239,336,630,609,1239,609,1239,1008,2058,588,966,1008,2058,1008,2058,1323,2772,756,1344,1323,2772,1323,2772]
[200000,144,240,72,96,144,240,144,240,144,288,96,144,144,288,144,288,192,480,144,240,192,480,192,480,384,816,240,480,384,816,384,816,696,1416,384,720,696,1416,696,1416,1152,2352,672,1104,1152,2352,1152,2352,1512,3168,864,1536,1512,3168,1512,3168]
[225000,162,270,81,108,162,270,162,270,162,324,108,162,162,324,162,324,216,540,162,270,216,540,216,540,432,918,270,540,432,918,432,918,783,1593,432,810,783,1593,783,1593,1296,2646,756,1242,1296,2646,1296,2646,1701,3564,972,1728,1701,3564,1701,3564]
[250000,180,300,90,120,180,300,180,300,180,360,120,180,180,360,180,360,240,600,180,300,240,600,240,600,480,1020,300,600,480,1020,480,1020,870,1770,480,900,870,1770,870,1770,1440,2940,840,1380,1440,2940,1440,2940,1890,3960,1080,1920,1890,3960,1890,3960]
[275000,198,330,99,132,198,330,198,330,198,396,132,198,198,396,198,396,264,660,198,330,264,660,264,660,528,1122,330,660,528,1122,528,1122,957,1947,528,990,957,1947,957,1947,1584,3234,924,1518,1584,3234,1584,3234,2079,4356,1188,2112,2079,4356,2079,4356]
[300000,216,360,108,144,216,360,216,360,216,432,144,216,216,432,216,432,288,720,216,360,288,720,288,720,576,1224,360,720,576,1224,576,1224,1044,2124,576,1080,1044,2124,1044,2124,1728,3528,1008,1656,1728,3528,1728,3528,2268,4752,1296,2304,2268,4752,2268,4752]
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[350000,252,420,126,168,252,420,252,420,252,504,168,252,252,504,252,504,336,840,252,420,336,840,336,840,672,1428,420,840,672,1428,672,1428,1218,2478,672,1260,1218,2478,1218,2478,2016,4116,1176,1932,2016,4116,2016,4116,2646,5544,1512,2688,2646,5544,2646,5544]
[375000,270,450,135,180,270,450,270,450,270,540,180,270,270,540,270,540,360,900,270,450,360,900,360,900,720,1530,450,900,720,1530,720,1530,1305,2655,720,1350,1305,2655,1305,2655,2160,4410,1260,2070,2160,4410,2160,4410,2835,5940,1620,2880,2835,5940,2835,5940]
[400000,288,480,144,192,288,480,288,480,288,576,192,288,288,576,288,576,384,960,288,480,384,960,384,960,768,1632,480,960,768,1632,768,1632,1392,2832,768,1440,1392,2832,1392,2832,2304,4704,1344,2208,2304,4704,2304,4704,3024,6336,1728,3072,3024,6336,3024,6336]
[425000,306,510,153,204,306,510,306,510,306,612,204,306,306,612,306,612,408,1020,306,510,408,1020,408,1020,816,1734,510,1020,816,1734,816,1734,1479,3009,816,1530,1479,3009,1479,3009,2448,4998,1428,2346,2448,4998,2448,4998,3213,6732,1836,3264,3213,6732,3213,6732]
[450000,324,540,162,216,324,540,324,540,324,648,216,324,324,648,324,648,432,1080,324,540,432,1080,432,1080,864,1836,540,1080,864,1836,864,1836,1566,3186,864,1620,1566,3186,1566,3186,2592,5292,1512,2484,2592,5292,2592,5292,3402,7128,1944,3456,3402,7128,3402,7128]
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{"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]