LIMRA Data Exchange Standards Community Support Forum

I understand how coverage is mapped to "employee" by way of Employer > employee > Employee > coverage.  How is coverage mapped to "dependent"?  Dependent is mapped Employer > employee > Employee > dependent > Dependent > {properties}.  However there is no "coverage" included in the Dependent?  Will some please help me think this through since I have a need to receive dependent coverages.  Thanks!

#LDEx-API
#LDEx-BEM
#LDEx-JSON

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PAUL EHRSAM
Quality Engineering (QE) Consultant
Securian Financial Group
ST PAUL MN
651-665-4564
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Dependents are built in the Dependent object then linked to any Coverage by using the CoverageInsured object, in the Coverage Object. You use the dependentPartyID as the InsuredPartyID in CoverageInsured to link a dependent to a coverage.

Herer is a brief snippet of how CoverageInsured works. Attached is a larger example including the dependent object.

                                                                                "Coverage": {
                                                                                                "CoverageID": "O001",
                                                                                                "GroupPolicyNumber": "R1234567",
                                                                                                "ProductTypeCode": "Accident",
                                                                                                "BenefitPlanIdentifier": "815",
                                                                                                "CoverageEffectiveDate": "2024-07-01",
                                                                                                "CoverageTierCode": "EmployeeFamily",
                                                                                                "EmployeeContributionCode": "EmployeePaid",
                                                                                                "EmployeePremiumContributionAmount": "32.53",
                                                                                                "TotalPlanPremiumAmount": "32.53",
                                                                                                "PaymentMethodCode": "PayrollDeduction",
                                                                                                "PremiumModeQuantity": "12",
                                                                                                "CarrierID": "MYCARRIER_ID",
                                                                                                "CoverageInsured": [
                                                                                                                {
                                                                                                                                "InsuredPartyID": "916063",
                                                                                                                                "PrimaryInsuredIndicator": "true",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                },
                                                                                                                {
                                                                                                                                "InsuredPartyID": "111111111",
                                                                                                                                "PrimaryInsuredIndicator": "false",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                },
                                                                                                                {
                                                                                                                                "InsuredPartyID": "111121111",
                                                                                                                                "PrimaryInsuredIndicator": "false",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                },
                                                                                                                {
                                                                                                                                "InsuredPartyID": "111131111",
                                                                                                                                "PrimaryInsuredIndicator": "false",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                }
                                                                                                ],

------------------------------
Michael J Grudgings
Business Architect, Industry Solutions | LL Global, Inc.
300 Day Hill Road, Windsor, CT, 06095
t: (860) 298-3850 | mgrudgings@limra.com
------------------------------

Hello Michael -

Thank you for explaining how to map dependent coverages in the JSON for LDEx BEM2.0.  Your explanation is easy to follow!

------------------------------
PAUL EHRSAM
Quality Engineering (QE) Consultant
Securian Financial Group
ST PAUL MN
651-665-4564
------------------------------

Original Message:
Sent: 02-10-2025 10:16
From: Michael Grudgings
Subject: How is dependent coverage mapped in LDExBEM_2.0.JSON?

Dependents are built in the Dependent object then linked to any Coverage by using the CoverageInsured object, in the Coverage Object. You use the dependentPartyID as the InsuredPartyID in CoverageInsured to link a dependent to a coverage.

Herer is a brief snippet of how CoverageInsured works. Attached is a larger example including the dependent object.

                                                                                "Coverage": {
                                                                                                "CoverageID": "O001",
                                                                                                "GroupPolicyNumber": "R1234567",
                                                                                                "ProductTypeCode": "Accident",
                                                                                                "BenefitPlanIdentifier": "815",
                                                                                                "CoverageEffectiveDate": "2024-07-01",
                                                                                                "CoverageTierCode": "EmployeeFamily",
                                                                                                "EmployeeContributionCode": "EmployeePaid",
                                                                                                "EmployeePremiumContributionAmount": "32.53",
                                                                                                "TotalPlanPremiumAmount": "32.53",
                                                                                                "PaymentMethodCode": "PayrollDeduction",
                                                                                                "PremiumModeQuantity": "12",
                                                                                                "CarrierID": "MYCARRIER_ID",
                                                                                                "CoverageInsured": [
                                                                                                                {
                                                                                                                                "InsuredPartyID": "916063",
                                                                                                                                "PrimaryInsuredIndicator": "true",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                },
                                                                                                                {
                                                                                                                                "InsuredPartyID": "111111111",
                                                                                                                                "PrimaryInsuredIndicator": "false",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                },
                                                                                                                {
                                                                                                                                "InsuredPartyID": "111121111",
                                                                                                                                "PrimaryInsuredIndicator": "false",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                },
                                                                                                                {
                                                                                                                                "InsuredPartyID": "111131111",
                                                                                                                                "PrimaryInsuredIndicator": "false",
                                                                                                                                "InsuredCoverageEffectiveDate": "2024-07-01"
                                                                                                                }
                                                                                                ],

------------------------------
Michael J Grudgings
Business Architect, Industry Solutions | LL Global, Inc.
300 Day Hill Road, Windsor, CT, 06095
t: (860) 298-3850 | mgrudgings@limra.com
------------------------------