Common use of Adding the Policyholder’s Characteristics Clause in Contracts

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 (Panel 12 Round 1 or Panel 11 Round 3). Then you would select PRPL records matching HC-101 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 and RN=1) or (PANEL=11 and RN=3)]. From HC-101, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 or HC-107. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2016 (Panel 12 21 Round 1 or Panel 11 20 Round 3). Then you would select PRPL records matching HC-101 HC-177 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=21 and RN=1) or (PANEL=11 PANEL=20 and RN=3)]. From HC-101HC-177, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-177 or HC-107HC-184. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, when creating nationally representative estimates of policies and policyholders, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates. This is because MEPS policyholders include policies covering dependents outside the RU, because this and including RU members covered by a policyholder outside the RU will result in double countingcounting policies that span RUs. Alternatively, as RU members covering those outside a researcher could create nationally representative estimates of covered persons, regardless of whether the RU are already includedpolicyholder was in the RU, using all the covered persons in the MEPS.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2015 (Panel 12 20 Round 1 or Panel 11 19 Round 3). Then you would select PRPL records matching HC-101 HC-167 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=20 and RN=1) or (PANEL=11 PANEL=19 and RN=3)]. From HC-101HC-167, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-167 or HC-107HC-174. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, when creating nationally representative estimates of policies and policyholders, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates. This is because MEPS policyholders include policies covering dependents outside the RU, because this and including RU members covered by a policyholder outside the RU will result in double countingcounting policies that span RUs. Alternatively, as RU members covering those outside a researcher could create nationally representative estimates of covered persons, regardless of whether the RU are already includedpolicyholder was in the RU, using all the covered persons in the MEPS.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2014 (Panel 12 19 Round 1 or Panel 11 18 Round 3). Then you would select PRPL records matching HC-101 HC-159 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=19 and RN=1) or (PANEL=11 PANEL=18 and RN=3)]. From HC-101HC-159, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-159 or HC-107HC-165. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2005 (Panel 12 10 Round 1 or Panel 11 9 Round 3). Then you would select PRPL records matching HC-101 HC-084 (PITFLG=1PUF84FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=10 and RN=1) or (PANEL=11 PANEL=9 and RN=3)]. From HC-101HC-084, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-084 or HC-107HC-090. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG PUF84FLG and FYFLG PUF90FLG may be equal to 02, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-establishment- policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2009 (Panel 12 14 Round 1 or Panel 11 13 Round 3). Then you would select PRPL records matching HC-101 HC-117 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=14 and RN=1) or (PANEL=11 PANEL=13 and RN=3)]. From HC-101HC-117, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-117 or HC-107HC-123. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-employment- based insurance is through an employee working full time at a current main job as of the first interview of 2007 2001 (Panel 12 Round 6 round 1 or Panel 11 Round 5 round 3). Then you would select PRPL records matching HC-101 HC-034 (PITFLG=1PUF34FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=6 and RN=1) or (PANEL=11 PANEL=5 and RN=3)]. From HC-101HC-034, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-034 or HC-107HC-055. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG PUF34FLG and FYFLG PUF55FLG may be equal to 02, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2003 (Panel 12 Round 8 round 1 or Panel 11 Round 7 round 3). Then you would select PRPL records matching HC-101 HC-064 (PITFLG=1PUF64FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=8 and RN=1) or (PANEL=11 PANEL=7 and RN=3)]. From HC-101HC-064, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-064 or HC-107HC-073. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG PUF64FLG and FYFLG PUF73FLG may be equal to 02, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2002 (Panel 12 Round 7 round 1 or Panel 11 Round 6 round 3). Then you would select PRPL records matching HC-101 HC-053 (PITFLG=1PUF53FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=7 and RN=1) or (PANEL=11 PANEL=6 and RN=3)]. From HC-101HC-053, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-053 or HC-107HC-062. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG PUF53FLG and FYFLG PUF62FLG may be equal to 02, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2013 (Panel 12 18 Round 1 or Panel 11 17 Round 3). Then you would select PRPL records matching HC-101 HC-151 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=18 and RN=1) or (PANEL=11 PANEL=17 and RN=3)]. From HC-101HC-151, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-151 or HC-107HC-157. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 1999 (Panel 12 Round 1 or Panel 11 Round 34 round 1). Then you would select PRPL records matching HC-101 HC- 013 (PITFLG=1PUF13FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 and RN=1) or (PANEL=11 and RN=3)]. From HC-101HC-013, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-013 or HC-107HC-038. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG PUF13FLG and FYFLG PUF38FLG may be equal to 02, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2012 (Panel 12 17 Round 1 or Panel 11 16 Round 3). Then you would select PRPL records matching HC-101 HC-143 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=17 and RN=1) or (PANEL=11 PANEL=16 and RN=3)]. From HC-101HC-143, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-143 or HC-107HC-149. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2010 (Panel 12 15 Round 1 or Panel 11 14 Round 3). Then you would select PRPL records matching HC-101 HC-125 (PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=15 and RN=1) or (PANEL=11 PANEL=14 and RN=3)]. From HC-101HC-125, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-125 or HC-107HC-132. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG and FYFLG may be equal to 0, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2000 (Panel 12 Round 5 round 1 or Panel 11 Round 4 round 3). Then you would select PRPL records matching HC-101 HC-022 (PITFLG=1PUF22FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL00=2 and RN=1) or (PANEL=11 PANEL00=1 and RN=3)]. From HC-101HC-022, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-022 or HC-107HC-039. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG PUF22FLG and FYFLG PUF39FLG may be equal to 02, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.

Adding the Policyholder’s Characteristics. The PHLDRIDX allows you to link characteristics of the policyholder onto the records of every person covered by the plan. For example, suppose you wanted to study persons whose private employment-based insurance is through an employee working full time at a current main job as of the first interview of 2007 2006 (Panel 12 11 Round 1 or Panel 11 10 Round 3). Then you would select PRPL records matching HC-101 HC-093 (PITFLG=1PUF93FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=12 PANEL=11 and RN=1) or (PANEL=11 PANEL=10 and RN=3)]. From HC-101HC-093, select the DUPERSID and HOUR13 variables and rename DUPERSID to PHLDRIDX. Merge HOUR13 onto the PRPL file by PHLDRIDX. Some policyholders do not have records on HC-101 HC-093 or HC-107HC-099. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PITFLG PUF93FLG and FYFLG PUF99FLG may be equal to 02, depending on when the policyholder left the RU. All of the covered person records for these establishment-policyholder pairs are flagged with DECPHLDR, OUTPHLDR, or NOPUFLG equal to 1. Deceased policyholders complicate the estimation of nationally representative statistics on active policies. For these establishment-policyholder pairs, users must choose a covered person with a positive weight. However, establishment-policyholder pairs where the policyholder resides outside the RU should not be included in estimates, because this will result in double counting, as RU members covering those outside the RU are already included.