Help, please - Combined Limits and Expressions for Insurance Plans

Question

I seem to be configuring something incorrectly using the Combined Limits and Expression in the IMG.  I was wondering if somebody has used this successfully and can give me some pointers?  I've used it successfully when I've limited a plan to coverage of not more than 50% of the coverage for another plan, but I can't seem to get it to work for my current requirement.  Here is my current requirement:
I have 2 life insurance plans, one basic and one supplemental.  The supplemental can only be elected if the basic plan is elected, so the basic plan would be the priority plan.  The individual maximum allowable coverage amount for each plan is $3,000,000, which is configured under the coverage rules.  However, the combined limit between the 2 plans is also 3,000,000.  A person can have the basic plan only and have the full 3 mil, or they can have both plans and must not go over the 3 mil between the 2 plans.  The basic plan is 1x but the supp plan can be 1x - 8x so it is very possible that the basic will not hit the limit, but the supp will. 
I tried to set the combined limit of 3,000,000 for the 2 plans using the 2 pieces of the combined limits config, but I've tried everything, and it does not cut them back.
Can anyone tell me step by step how to configure this, or do I need to enable and develop a user exit?
Thanks!
Lisa

Answer 1

Hi, Lisa
This should not be a problem.
Firstly, have you set the Basic plan as a corequisite for your optional plan?
Benefits--> Flexible Administration -->Prerequisites and Corequisites --> Define Corequisite Plans;
Choose your secondary plan from the drop-down; then define your primary plan as the corequisite.  In most instances, selecting the 'Any plan required' radio button  should to the trick.
Now for the combined limits:
This is a 2-step process.
1:  Define Combined Coverage Limits.
Choose your Optional life plan, and enter the following:  Limit Amount -- 3,000,000; Rel. Operator :  >=
REPEAT FOR BASIC PLAN AS WELL!!!!
When you save this, your resulting screen should read something like this :  OPTL     Optional Life Limit   3,000,000   0.000  >=
2:Define Combined Coverage Limit Expressions
Select your Optional life plan.
Enter the following in the table:
1.00  |  Basic Life Plan
1.00  |  Optional Life Plan
Again, do the same for the Basic plan.
the combination of these two steps  creates the following equation:
3,000,000 >= 1* Basic Life + 1* Optional Life.
Feel free to ping me if you have questions.   Contact details are on my business card.
Rob
Select your Optional life plan