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Small Group Underwriting Quick Reference Charts

​​​​​​​​At Word & Brown, our goal is to process your new group enrollment easily and efficiently in order to provide you and your client with a quick approval.  With this in mind,​ we have created Underwriting Quick Reference Charts, which are listed below, to help you determine your group's eligibility requirements in a timely manner, without the hass​le of having to search through carriers' Underwriting Guidelines.   ​

 Participation & Alongside Guidelines 
     (Effective 8/1/2019)     ​

​​                      PEO Guide           ​         
        (Effective 7/1/2019)     ​​

               Valid Waivers Guide              
        (Effective 8/1/2019)        

           Husband ​& Wife Groups         
       (Effective 7/1/2019)     ​

               Owner Only Groups              ​ 
     (Effective 8/1/2019)      
                 Start-up Groups                 
  (Effective 8/1/2019)   

​​   Special Open Enrollment Window     ​
 (Not available)   
              Waiting Period Options           
(Effective 3/1/2019)


                  2019 Payroll Guide                 
(Effective 1/1/2019)

               New Hire Rating Guide             
     (Effective 8/1/2019)