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 1999 (Panel 4 round 1). Then you would select PRPL records matching HC- 013 (PUF13FLG=1) where the insurance is through a current main job (CMJINS=1). From HC-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-013 or HC-038. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG and PUF38FLG may be equal to 2, 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 1999 2002 (Panel 4 7 round 11 or Panel 6 round 3). Then you would select PRPL records matching HC- 013 HC-053 (PUF13FLG=1PUF53FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=7 and RN=1) or (PANEL=6 and RN=3)]. From HC-013HC-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-013 HC-053 or HC-038HC-062. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PUF53FLG and PUF38FLG PUF62FLG may be equal to 2, 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 1999 2010 (Panel 4 round 115 Round 1 or Panel 14 Round 3). Then you would select PRPL records matching HC- 013 HC-125 (PUF13FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=15 and RN=1) or (PANEL=14 and RN=3)]. From HC-013HC-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-013 HC-125 or HC-038HC-132. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2007 (Panel 4 round 112 Round 1 or Panel 11 Round 3). Then you would select PRPL records matching HC- 013 HC-101 (PUF13FLG=1PITFLG=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-013HC-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-013 HC-101 or HC-038HC-107. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2015 (Panel 4 round 120 Round 1 or Panel 19 Round 3). Then you would select PRPL records matching HC- 013 HC-167 (PUF13FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=20 and RN=1) or (PANEL=19 and RN=3)]. From HC-013HC-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-013 HC-167 or HC-038HC-174. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2016 (Panel 4 round 121 Round 1 or Panel 20 Round 3). Then you would select PRPL records matching HC- 013 HC-177 (PUF13FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=21 and RN=1) or (PANEL=20 and RN=3)]. From HC-013HC-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-013 HC-177 or HC-038HC-184. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2005 (Panel 4 round 110 Round 1 or Panel 9 Round 3). Then you would select PRPL records matching HC- 013 HC-084 (PUF13FLG=1PUF84FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 and RN=1) or (PANEL=9 and RN=3)]. From HC-013HC-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-013 HC-084 or HC-038HC-090. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PUF84FLG and PUF38FLG PUF90FLG may be equal to 2, 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 1999 2000 (Panel 5 round 1 or Panel 4 round 13). Then you would select PRPL records matching HC- 013 HC-022 (PUF13FLG=1PUF22FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL00=2 and RN=1) or (PANEL00=1 and RN=3)]. From HC-013HC-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-013 HC-022 or HC-038HC-039. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PUF22FLG and PUF38FLG PUF39FLG may be equal to 2, 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 1999 2012 (Panel 4 round 117 Round 1 or Panel 16 Round 3). Then you would select PRPL records matching HC- 013 HC-143 (PUF13FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=17 and RN=1) or (PANEL=16 and RN=3)]. From HC-013HC-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-013 HC-143 or HC-038HC-149. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2014 (Panel 4 round 119 Round 1 or Panel 18 Round 3). Then you would select PRPL records matching HC- 013 HC-159 (PUF13FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=19 and RN=1) or (PANEL=18 and RN=3)]. From HC-013HC-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-013 HC-159 or HC-038HC-165. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2009 (Panel 4 round 114 Round 1 or Panel 13 Round 3). Then you would select PRPL records matching HC- 013 HC-117 (PUF13FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=14 and RN=1) or (PANEL=13 and RN=3)]. From HC-013HC-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-013 HC-117 or HC-038HC-123. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2013 (Panel 4 round 118 Round 1 or Panel 17 Round 3). Then you would select PRPL records matching HC- 013 HC-151 (PUF13FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=18 and RN=1) or (PANEL=17 and RN=3)]. From HC-013HC-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-013 HC-151 or HC-038HC-157. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PITFLG and PUF38FLG FYFLG may be equal to 20, 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 1999 2001 (Panel 4 6 round 11 or Panel 5 round 3). Then you would select PRPL records matching HC- 013 HC-034 (PUF13FLG=1PUF34FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=6 and RN=1) or (PANEL=5 and RN=3)]. From HC-013HC-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-013 HC-034 or HC-038HC-055. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PUF34FLG and PUF38FLG PUF55FLG may be equal to 2, 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 1999 2003 (Panel 4 8 round 11 or Panel 7 round 3). Then you would select PRPL records matching HC- 013 HC-064 (PUF13FLG=1PUF64FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=8 and RN=1) or (PANEL=7 and RN=3)]. From HC-013HC-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-013 HC-064 or HC-038HC-073. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF13FLG PUF64FLG and PUF38FLG PUF73FLG may be equal to 2, 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.