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â¢ Insured Earnings is the earnings as. described in your policy and used to. calculate your employeeâs benefits. â¢ It can vary depending on the definition. you choose for each eligibility group. â¢ Changes to insured earnings become. effective at the Insured Earnings.
Employee portions of fully insured premiums often are deducted pre-tax through payroll. Self-insured and fully insured policies are two very different approaches to employer-sponsored group medical plans. With a self-insured policy, the player sets up a plan that pays for insurance claims as they arise. With the more common fully insured plan, the employer pays regular premiums to the provider in exchange for guaranteed payment of benefits on claims.