START UP GROUPS

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Carrier

Requirements

Note: The group cannot be comprised of owner and spouse / domestic partner only.
• Requires an eligible W-2 employee to enroll who is not the owner and not the spouse of the owner.
• Submit a copy of the most recently filed DE9C.
• If a DE9C is not available, two consecutive weeks of payroll records for the eligible W-2 employee.

Note: The group cannot be comprised of owner and spouse / domestic partner only.
• Conditions of Enrollment/Start-Up Companies form
• 30 days of payroll (within 45 days of the effective date)
• Requires an eligible W2 employee or 2 owners on or before the requested effective date.
  Cannot be an owner and spouse.

• Start-up groups must have been in business and have employed at least one eligible W-2 employee for less than six weeks.
• Start-Up Companies/Spin-Off Group Eligibility Statement will be required
• W4 forms for all W2 employees are required
Note: PT Employees must work for at least 50% of the working days in the prior quarter to be eligible for coverage

Start-up groups must be actively engaged in business for at least 6 weeks prior to the requested effective date. If more than 50% of the enrollment consists of owners not on payroll, owner documentation required regardless of group size. If a business was established after the previous quarter, payroll may be accepted instead of a Quarterly Wage Report at the underwriter’s discretion.

• 1 enrolling: Employee must have 4 weeks of payroll.

• 2 enrolling: At least 1 employee with 4 weeks of payroll. The second employee will require payroll from the date of hire to current. If unavailable, provide 1 week of payroll. If the group consists of owner and employee, provide owner documents and 6 weeks of payroll for employees.

• 3-4 enrolling: At least 1 employee with 4 weeks of payroll. Other employees are required to be on payroll for at least 1 week on or prior to the effective date, or from start date to current (whichever is greater). The remaining payroll to complete a month is due by the last day of the month of the requested effective date.

• 5+ enrolling: If the majority enrolling are employees, must provide payroll from start date to current (1 week of payroll if unavailable). If the majority enrolling are owners, need 1 employee on payroll for 4 weeks. Must provide owner documentation in both instances. The remaining payroll to complete a month is due by the last day of the month of the requested effective date.

Groups established less than 90 days before the effective date will need to submit at least 30 days of payroll records

At least 1 eligible W-2 employee on payroll for a minimum of 30 days. Cannot be comprised of owner and spouse/domestic partner only.
Note: Groups with 2 weeks of payroll can be reviewed on an exception basis

Note: The group cannot be comprised of owner and spouse / domestic partner only.
• 1-5 enrolling: Must qualify through the calendar quarter test or prior calendar year test to be considered for coverage, otherwise not eligible for coverage. (Minimum 1 eligible W-2 employee or 2 officers with 1 officer who is listed on the DE9C for 50% of the prior quarter)
• 6+ enrolling: Must be in business for at least 4 weeks. A minimum of 2 weeks of payroll is required to establish eligibility. If payroll submitted is not enough to prove the employee works the minimum eligible hours, the under¬writer may request additional payroll.

Note: (Sole Props & Partnerships): Owners/Partners and their Spouses/Domestic Partners do not count as the eligible employee.
(Corporations & LLCs): A single owner may count as the eligible W2 employee who will appear on payroll with eligible wages.
• Minimum eligible W-2 employee, on or before requested effective date and unable to provide 2 weeks of payroll.
• Group must provide Payroll Attestation form at enrollment and follow with 2 weeks of payroll within 45 days of effective date.

Note: The group cannot be comprised of owner and spouse / domestic partner only.
• As the sole carrier, will accept 1 eligible employee on payroll for a minimum of 30 days.
• When written alongside another carrier, MediExcel will accept the same requirements as the other CA carrier.

Minimum eligible W-2 employee. Start-up groups must be in business for at least 4 weeks.

Minimum eligible W-2 employee. Start-up groups require a minimum of 6 weeks of payroll.

Note: The group cannot be comprised of owner and spouse / domestic partner only.
Start-up groups must be in business for at least 6 weeks with 2 weeks of payroll to support length of time in business. Payroll records must confirm length of time in business and must cover at least 1 eligible W-2 employee.
The group must also have and maintain the business licenses and/or the proper state filings to conduct busi¬ness in California.