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 2005 (Panel 10 Round 1 or Panel 9 Round 3). Then you would select PRPL records matching HC-084 (PUF84FLG=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-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-084 or HC-090. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG and 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- 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 2005 2016 (Panel 10 21 Round 1 or Panel 9 20 Round 3). Then you would select PRPL records matching HC-084 HC-177 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=21 and RN=1) or (PANEL=9 PANEL=20 and RN=3)]. From HC-084HC-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-084 HC-177 or HC-090HC-184. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2015 (Panel 10 20 Round 1 or Panel 9 19 Round 3). Then you would select PRPL records matching HC-084 HC-167 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=20 and RN=1) or (PANEL=9 PANEL=19 and RN=3)]. From HC-084HC-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-084 HC-167 or HC-090HC-174. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2007 (Panel 10 12 Round 1 or Panel 9 11 Round 3). Then you would select PRPL records matching HC-084 HC-101 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=12 and RN=1) or (PANEL=9 PANEL=11 and RN=3)]. From HC-084HC-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-084 HC-101 or HC-090HC-107. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2009 (Panel 10 14 Round 1 or Panel 9 13 Round 3). Then you would select PRPL records matching HC-084 HC-117 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=14 and RN=1) or (PANEL=9 PANEL=13 and RN=3)]. From HC-084HC-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-084 HC-117 or HC-090HC-123. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2012 (Panel 10 17 Round 1 or Panel 9 16 Round 3). Then you would select PRPL records matching HC-084 HC-143 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=17 and RN=1) or (PANEL=9 PANEL=16 and RN=3)]. From HC-084HC-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-084 HC-143 or HC-090HC-149. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2001 (Panel 10 Round 6 round 1 or Panel 9 Round 5 round 3). Then you would select PRPL records matching HC-084 HC-034 (PUF84FLG=1PUF34FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=6 and RN=1) or (PANEL=9 PANEL=5 and RN=3)]. From HC-084HC-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-084 HC-034 or HC-090HC-055. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PUF34FLG and PUF90FLG 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- 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 2005 2003 (Panel 10 Round 8 round 1 or Panel 9 Round 7 round 3). Then you would select PRPL records matching HC-084 HC-064 (PUF84FLG=1PUF64FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=8 and RN=1) or (PANEL=9 PANEL=7 and RN=3)]. From HC-084HC-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-084 HC-064 or HC-090HC-073. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PUF64FLG and PUF90FLG 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- 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 2005 2014 (Panel 10 19 Round 1 or Panel 9 18 Round 3). Then you would select PRPL records matching HC-084 HC-159 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=19 and RN=1) or (PANEL=9 PANEL=18 and RN=3)]. From HC-084HC-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-084 HC-159 or HC-090HC-165. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2010 (Panel 10 15 Round 1 or Panel 9 14 Round 3). Then you would select PRPL records matching HC-084 HC-125 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=15 and RN=1) or (PANEL=9 PANEL=14 and RN=3)]. From HC-084HC-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-084 HC-125 or HC-090HC-132. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2000 (Panel 10 Round 5 round 1 or Panel 9 Round 4 round 3). Then you would select PRPL records matching HC-084 HC-022 (PUF84FLG=1PUF22FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL00=2 and RN=1) or (PANEL=9 PANEL00=1 and RN=3)]. From HC-084HC-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-084 HC-022 or HC-090HC-039. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PUF22FLG and PUF90FLG 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- 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 2005 2013 (Panel 10 18 Round 1 or Panel 9 17 Round 3). Then you would select PRPL records matching HC-084 HC-151 (PUF84FLG=1PITFLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=18 and RN=1) or (PANEL=9 PANEL=17 and RN=3)]. From HC-084HC-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-084 HC-151 or HC-090HC-157. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PITFLG and PUF90FLG 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- 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 2005 2002 (Panel 10 Round 7 round 1 or Panel 9 Round 6 round 3). Then you would select PRPL records matching HC-084 HC-053 (PUF84FLG=1PUF53FLG=1) where the insurance is through a current main job (CMJINS=1) and [(PANEL=10 PANEL=7 and RN=1) or (PANEL=9 PANEL=6 and RN=3)]. From HC-084HC-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-084 HC-053 or HC-090HC-062. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PUF53FLG and PUF90FLG 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- 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 2005 1999 (Panel 10 Round 1 or Panel 9 Round 34 round 1). Then you would select PRPL records matching HC-084 HC- 013 (PUF84FLG=1PUF13FLG=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-084HC-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-084 HC-013 or HC-090HC-038. These include deceased policyholders and policyholders residing outside the RU. For these policyholders, PUF84FLG PUF13FLG and PUF90FLG 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- 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.