{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Fair Lawn","Calculations","Legacy Plan Table","NJEHP Table","GSHP Table","Rates as of 202507"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Fair Lawn","index":0,"n_rows":20,"n_cols":8,"rows_kept":20,"cut":false,"hidden":false,"merged":[[18,1,18,3],[16,1,16,3],[17,1,17,3],[10,1,10,3],[5,1,5,4],[8,1,8,7],[15,1,15,7],[11,1,11,3],[9,1,9,7],[14,1,14,7],[12,1,12,3]]}
["Fair Lawn Board of Education",null,null,null,null,null,"Powered by"]
["Employee Health Benefits Calculator"]
["Effective 7/1/25 to 6/30/26 "]
[]
[null,"Enter your estimated annual pensionable salary.",null,null,null,null,"Select 10 or 12 month employee"]
[]
[]
[]
[null,"Legacy Medical and Rx Plan (per pay period)"]
[null,"These plans are only available to employees hired prior to July 1, 2020"]
[null,null,null,null,"Single","Parent/Child(ren)","2 Adult","Family"]
[null,"Direct 10 Medical/Rx",null,null,{"$f":"Calculations!B34","v":0},{"$f":"Calculations!C34","v":0},{"$f":"Calculations!D34","v":0},{"$f":"Calculations!E34","v":0}]
[null,"Direct 15 Medical/Rx",null,null,{"$f":"Calculations!B35","v":0},{"$f":"Calculations!C35","v":0},{"$f":"Calculations!D35","v":0},{"$f":"Calculations!E35","v":0}]
[]
[null,"These plans are available to all employees"]
[null,"Estimated NJEHP and Garden State Health Plan (per pay period)"]
[null,null,null,null,"Single","Parent/Child(ren)","2 Adult","Family"]
[null,"NJEHP & Rx",null,null,{"$f":"Calculations!B14","v":0},{"$f":"Calculations!C14","v":0},{"$f":"Calculations!D14","v":0},{"$f":"Calculations!E14","v":0}]
[null,"GSHP & Rx",null,null,{"$f":"Calculations!B15","v":0},{"$f":"Calculations!C15","v":0},{"$f":"Calculations!D15","v":0},{"$f":"Calculations!E15","v":0}]
["*NJEHP and GSHP are based on a percentage of pensionable salary. Final contribution amount will be determined by payroll."]

{"sheet":"Calculations","index":1,"n_rows":35,"n_cols":7,"rows_kept":35,"cut":false,"hidden":true,"merged":[[22,0,22,4],[27,0,27,4],[32,0,32,4],[16,0,16,4]]}
[]
["Salary from Calculator Sheet",{"$f":"'Fair Lawn'!B6","v":0},null,"10 Month","Yes"]
["Month Employment Indicator",{"$f":"IF('Fair Lawn'!G6=\"10 Month\",1,IF('Fair Lawn'!G6=\"12 Month\",2,0))","v":0},null,"12 Month","No"]
["NJEHP Contribution Max",{"$f":"IF(B2>125000,1,0)","v":0}]
[]
[null,"Single","P+C","2ADULT","FAMILY"]
["Chapter 78 Rate (Legacy Plans)",{"$f":"VLOOKUP($B$2,'Legacy Plan Table'!$A$2:$F$20,3)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'Legacy Plan Table'!$A$2:$F$20,4)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'Legacy Plan Table'!$A$2:$F$20,5)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'Legacy Plan Table'!$A$2:$F$20,6)","v":{"$error":"#N/A"}}]
["NJEHP Rate",{"$f":"VLOOKUP($B$2,'NJEHP Table'!$A$3:$F$11,3)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'NJEHP Table'!$A$3:$F$11,4)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'NJEHP Table'!$A$3:$F$11,5)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'NJEHP Table'!$A$3:$F$11,6)","v":{"$error":"#N/A"}}]
["GSHP Rate",{"$f":"VLOOKUP($B$2,'GSHP Table'!$A$3:$F$11,3)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'GSHP Table'!$A$3:$F$11,4)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'GSHP Table'!$A$3:$F$11,5)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP($B$2,'GSHP Table'!$A$3:$F$11,6)","v":{"$error":"#N/A"}}]
[]
["NJEHP Annual Employee Contribution",{"$f":"IF($B$4=0,B8*$B$2,B8*125000)","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
["GSHP Annual employee Contribution",{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[]
["NJEHP Per Paycheck Employee Contribution",{"$f":"IFERROR(IF($B$3=1,B11/20,IF($B$3=2,B11/24,0)),\" \")","v":0},{"$f":"IFERROR(IF($B$3=1,C11/20,IF($B$3=2,C11/24,0)),\" \")","v":0},0,0]
["GSHP Per Paycheck Employee Contribution",0,0,0,0]
[]
["Monthly Full Premium"]
["Plan Name","Single Rate","P+C Rate","2 Adult Rate","Family Rate"]
["Direct 10",{"$f":"'Rates as of 202507'!B5","v":1571.4499999999998},{"$f":"'Rates as of 202507'!C5","v":2922.9},{"$f":"'Rates as of 202507'!D5","v":3142.9},{"$f":"'Rates as of 202507'!E5","v":4494.3500000000004}]
["Direct 15",{"$f":"'Rates as of 202507'!B6","v":1509.73},{"$f":"'Rates as of 202507'!C6","v":2808.1},{"$f":"'Rates as of 202507'!D6","v":3019.46},{"$f":"'Rates as of 202507'!E6","v":4317.82},null,"Note: I deleted the rows in this tab for the plans that are no longer offered"]
[]
[]
["Annual Full Premium"]
[{"$f":"A19","v":"Direct 10"},{"$f":"B19*12","v":18857.399999999998},35074.800000000003,37714.800000000003,53932.200000000004]
[{"$f":"A20","v":"Direct 15"},18116.760000000002,33697.199999999997,36233.520000000004,51813.84]
[]
[]
["Annual Employee Contribution"]
[{"$f":"A19","v":"Direct 10"},{"$f":"B24*B$7","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[{"$f":"A20","v":"Direct 15"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[]
[]
["Employee Per Paycheck Contribution"]
[{"$f":"A19","v":"Direct 10"},{"$f":"IFERROR(IF($B$3=1,B29/20,IF($B$3=2,B29/24,0)),\" \")","v":0},{"$f":"IFERROR(IF($B$3=1,C29/20,IF($B$3=2,C29/24,0)),\" \")","v":0},0,0]
[{"$f":"A20","v":"Direct 15"},0,0,0,0]

{"sheet":"Legacy Plan Table","index":2,"n_rows":21,"n_cols":8,"rows_kept":21,"cut":false,"hidden":true,"merged":[]}
[null,"Salary","Single","Parent/Child(ren)","Member/Spouse","Family"]
[0.01,"Less than $20,000",4.4999999999999998E-2,3.5000000000000003E-2,3.5000000000000003E-2,0.03]
[20000,"$20,000 - $24,999.99",5.5E-2,3.5000000000000003E-2,3.5000000000000003E-2,0.03]
[25000,"$25,000 - $29,999.99",7.4999999999999997E-2,4.4999999999999998E-2,4.4999999999999998E-2,0.04]
[30000,"$30,000 - $34,999.99",0.1,0.06,0.06,0.05]
[35000,"$35,000 - $39,999.99",0.11,7.0000000000000007E-2,7.0000000000000007E-2,0.06]
[40000,"$40,000 - $44,999.99",0.12,0.08,0.08,7.0000000000000007E-2]
[45000,"$45,000 - $49,999.99",0.14000000000000001,0.1,0.1,0.09]
[50000,"$50,000 - $54,999.99",0.2,0.15,0.15,0.12]
[55000,"$55,000 - $59.999.99",0.23,0.17,0.17,0.14000000000000001]
[60000,"$60,000 - $64,999.99",0.27,0.21,0.21,0.17]
[65000,"$65,000 - $69,999.99",0.28999999999999998,0.23,0.23,0.19]
[70000,"$70,000 - $74,999.99 ",0.32,0.26,0.26,0.22]
[75000,"$75,000 - $79,999.99",0.33,0.27,0.27,0.23,null,"Revised per email from Jen Bednarek, July 11, 2022"]
[80000,"$80,000 - $84,999.99",0.34,0.28000000000000003,0.28000000000000003,0.24,null,"We added another tier to the Chapter 78(legacy plans) -  75-99,999  is calculated at 26% instead of 28%"]
[85000,"$85,000 - $89,999.99",0.34,0.3,0.3,0.26]
[90000,"$90,000 - $94,999.99",0.34,0.3,0.3,0.28000000000000003]
[95000,"$95,000 - $99,999.99",0.35,0.3,0.3,0.28999999999999998]
[100000,"$100,000 - $109,999.99",0.35,0.35,0.35,0.32]
[110000,"$110,000 and over",0.35,0.35,0.35,0.35]
[1000000]

{"sheet":"NJEHP Table","index":3,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":true,"merged":[]}
[null,"Salary","Single","Parent/Child(ren)","Member/Spouse","Family"]
[null,null,1.7000000000000001E-2,2.1999999999999999E-2,2.8000000000000001E-2,3.3000000000000002E-2]
[0.01,"Up to 40,000",1.7000000000000001E-2,2.1999999999999999E-2,2.8000000000000001E-2,3.3000000000000002E-2]
[40000.99,"40001-50000",1.9E-2,2.5000000000000001E-2,3.3000000000000002E-2,3.9E-2]
[50000.99,"50001-60000",2.1999999999999999E-2,2.8000000000000001E-2,3.9E-2,4.3999999999999997E-2]
[60000.99,"60001-70000",2.5000000000000001E-2,0.03,4.3999999999999997E-2,0.05]
[70000.990000000005,"70001-80000",2.8000000000000001E-2,3.3000000000000002E-2,0.05,5.5E-2]
[80000.990000000005,"80001-90000",0.03,3.5999999999999997E-2,5.5E-2,0.06]
[90000.99,"90001-100000",3.3000000000000002E-2,3.9E-2,0.06,6.6000000000000003E-2]
[100000.99,"100001-125000",3.5999999999999997E-2,4.3999999999999997E-2,6.6000000000000003E-2,7.1999999999999995E-2]
[100000000.98999999]
[]
[]
[]
[]
[]
[null,"peer reviewed Liz 4/5/23"]

{"sheet":"GSHP Table","index":4,"n_rows":18,"n_cols":14,"rows_kept":18,"cut":false,"hidden":true,"merged":[[11,2,11,4],[11,10,11,12]]}
[null,"Salary","Single","Parent/Child(ren)","Member/Spouse","Family",null,null,null,"Salary","Single","Parent/Child(ren)","Member/Spouse","Family"]
[null,null,{"$f":"IF(K2/2<0.015, 0.015,K2/2)","v":1.4999999999999999E-2},{"$f":"IF(L2/2<0.015,0.015,L2/2)","v":1.4999999999999999E-2},{"$f":"IF(M2/2<0.015,0.015,M2/2)","v":1.4999999999999999E-2},{"$f":"IF(N2/2<0.015,0.015,N2/2)","v":1.6500000000000001E-2},null,null,null,null,1.7000000000000001E-2,2.1999999999999999E-2,2.8000000000000001E-2,3.3000000000000002E-2]
[0.01,"Up to 40,000",{"$f":"IF(K3/2<0.015, 0.015,K3/2)","v":1.4999999999999999E-2},{"$f":"IF(L3/2<0.015,0.015,L3/2)","v":1.4999999999999999E-2},{"$f":"IF(M3/2<0.015,0.015,M3/2)","v":1.4999999999999999E-2},{"$f":"IF(N3/2<0.015,0.015,N3/2)","v":1.6500000000000001E-2},null,null,0.01,"Up to 40,000",1.7000000000000001E-2,2.1999999999999999E-2,2.8000000000000001E-2,3.3000000000000002E-2]
[40000.99,"40001-50000",1.4999999999999999E-2,1.4999999999999999E-2,1.6500000000000001E-2,1.95E-2,null,null,40000.99,"40001-50000",1.9E-2,2.5000000000000001E-2,3.3000000000000002E-2,3.9E-2]
[50000.99,"50001-60000",1.4999999999999999E-2,1.4999999999999999E-2,1.95E-2,2.1999999999999999E-2,null,null,50000.99,"50001-60000",2.1999999999999999E-2,2.8000000000000001E-2,3.9E-2,4.3999999999999997E-2]
[60000.99,"60001-70000",1.4999999999999999E-2,1.4999999999999999E-2,2.1999999999999999E-2,2.5000000000000001E-2,null,null,60000.99,"60001-70000",2.5000000000000001E-2,0.03,4.3999999999999997E-2,0.05]
[70000.990000000005,"70001-80000",1.4999999999999999E-2,1.6500000000000001E-2,2.5000000000000001E-2,2.75E-2,null,null,70000.990000000005,"70001-80000",2.8000000000000001E-2,3.3000000000000002E-2,0.05,5.5E-2]
[80000.990000000005,"80001-90000",1.4999999999999999E-2,1.7999999999999999E-2,2.75E-2,0.03,null,null,80000.990000000005,"80001-90000",0.03,3.5999999999999997E-2,5.5E-2,0.06]
[90000.99,"90001-100000",1.6500000000000001E-2,1.95E-2,0.03,3.3000000000000002E-2,null,null,90000.99,"90001-100000",3.3000000000000002E-2,3.9E-2,0.06,6.6000000000000003E-2]
[100000.99,"100001-125000",1.7999999999999999E-2,2.1999999999999999E-2,3.3000000000000002E-2,3.5999999999999997E-2,null,null,100000.99,"100001-125000",3.5999999999999997E-2,4.3999999999999997E-2,6.6000000000000003E-2,7.1999999999999995E-2]
[100000000.98999999,null,null,null,null,null,null,null,100000000.98999999]
[null,null,"GSHP Table",null,null,null,null,null,null,null,"NJEHP Table"]
[]
[]
[]
[]
[]
[null,"peer reviewed Liz 4/5/23"]

{"sheet":"Rates as of 202507","index":5,"n_rows":30,"n_cols":6,"rows_kept":30,"cut":false,"hidden":true,"merged":[]}
[null,"7/1/25 to 6/30/26"]
[]
[null,"Legacy Medical"]
["Combined","Single","PC","2A","Family"]
["Direct 10",{"$f":"B9+B13","v":1571.4499999999998},{"$f":"C9+C13","v":2922.9},3142.9,4494.3500000000004]
["Direct 15",{"$f":"B10+B14","v":1509.73},2808.1,3019.46,4317.82]
[]
["Medical","Single","PC","2A","Family"]
["Direct 10",1285.07,2390.23,2570.15,3675.31]
["Direct 15",1223.3499999999999,2275.4299999999998,2446.71,3498.78]
[]
["Rx","Single","PC","2A","Family"]
["Direct 10",286.38,532.66999999999996,572.75,819.04]
["Direct 15",286.38,532.66999999999996,572.75,819.04]
[null,"Waiting on Rx decision/rates",null,null,null,"Waiting on Dental decision/rates"]
[]
[null,"Legacy Rx",null,null,null,"Delta Dental NJ"]
["Single",286.38,null,null,"Single",38.06]
["Parent/Child",532.66999999999996,null,null,"Parent/Child",69.180000000000007]
["EE/Spouse",572.75,null,null,"EE/Spouse",66.06]
["Family",819.04,null,null,"Family",105]
[]
[null,"Total Medical & Rx 7/1/25 to 6/30/26"]
[null,"Aetna POS II $15 & Legacy Rx",null,"Need to check when have Rx rates"]
["Single",{"$f":"#REF!+B18","v":{"$error":"#REF!"}}]
["Parent/Child",{"$f":"#REF!+B19","v":{"$error":"#REF!"}}]
["EE/Spouse",{"$f":"#REF!+B20","v":{"$error":"#REF!"}}]
["Family",{"$f":"#REF!+B21","v":{"$error":"#REF!"}}]
[]
[null,"For Chapter 78"]