Filing at a Glance · 2014. 11. 25. · Michael Franzese State Filing Specialist . Electric...

Filing at a Glance Company: Electric Insurance Company

Product Name: Multi-Peril Homeowners

State: Wisconsin

TOI: 04.0 Homeowners

Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations

Filing Type: Rate/Rule

Date Submitted: 11/10/2014

SERFF Tr Num: ELEC-129801048

SERFF Status: Closed-Filed

State Tr Num:

State Status:

Co Tr Num: WI-CRT-14

Effective DateRequested (New):

02/23/2015

Effective DateRequested (Renewal):

02/23/2015

Author(s): Tom Kelley, Jenny Rybarczyk, Mike Franzese, Thomas MacDonald

Reviewer(s): Shasta Hoffhein (primary)

Disposition Date: 11/10/2014

Disposition Status: Filed

Effective Date (New): 02/23/2015

Effective Date (Renewal): 02/23/2015

SERFF Tracking #: ELEC-129801048 State Tracking #: Company Tracking #: WI-CRT-14

State: Wisconsin Filing Company: Electric Insurance Company

TOI/Sub-TOI: 04.0 Homeowners/04.0000 Homeowners Sub-TOI Combinations


Project Name/Number: /

PDF Pipeline for SERFF Tracking Number ELEC-129801048 Generated 11/11/2014 06:31 AM

General Information

Company and Contact

Filing Fees

Project Name: Status of Filing in Domicile: Not Filed

Project Number: Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 11/10/2014

State Status Changed: Deemer Date:

Created By: Mike Franzese Submitted By: Mike Franzese

Corresponding Filing Tracking Number:

Filing Description:

Electric Insurance Company submits for your review, under the file & use provision, a revision to our Multi-Peril Homeownersprogram. We propose to introduce the use of tiering for renters and condo forms. This change will not have a rating impact ourcurrent book of business. All current policies will be slotted into the neutral tier upon renewal. Subsequent renewals are noteligible for tier-movement. We intend to implement this change effective February 23, 2015 for new and renewal business.Please see the attached manual pages, tiering model and tier underwriting summary for further details.

Filing Contact InformationMichael Franzese, State Filing Specialist [email protected]

75 Sam Fonzo Drive

Beverly, MA 01915

800-227-2757 [Phone] 5048 [Ext]

Filing Company InformationElectric Insurance Company

75 Sam Fonzo Drive

Beverly, MA 01915

(800) 227-2757 ext. [Phone]

CoCode: 21261

Group Code: 57

Group Name: Electric

FEIN Number: 04-2422119

State of Domicile:Massachusetts

Company Type: Property &Casualty

State ID Number:

Fee Required? No

Retaliatory? No

Fee Explanation:







Correspondence Summary DispositionsStatus Created By Created On Date SubmittedFiled Shasta Hoffhein 11/10/2014 11/10/2014







Disposition

Disposition Date: 11/10/2014

Effective Date (New): 02/23/2015

Effective Date (Renewal): 02/23/2015

Status: Filed

Comment:Filed is used with rates, rules and advertisements.

Rate data does NOT apply to filing.

Schedule Schedule Item Schedule Item Status Public AccessSupporting Document Rate Filed YesSupporting Document Rule Filed YesSupporting Document Cover Letter Filed YesSupporting Document Tiering Model and Rules Filed YesRate New Manual Page Filed YesRate Revised Manual Page Filed Yes







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 Filed 11/10/2014 New Manual Page WI-B-1(c) New New Manual Page.pdf2 Filed 11/10/2014 Revised Manual Page WI-OR-1.a Replacement Revised Manual Page.pdf







ELECTRIC INSURANCE CO.- HOMEOWNER’S MULTIPERIL- WISCONSIN

TIER FACTORS (Forms HO 00 04 and HO 00 06)

Apply the following factors to the base rate.

Tier Factor

E5 0.85

G0 1.00

G7 1.07

K0 1.40

WI-B-1(c) EFFECTIVE: FEBRUARY 23, 2015 NEW AND RENEWAL BUSINESS

ELECTRIC INSURANCE CO.- HOMEOWNER’S MULTIPERIL- WISCONSIN

ORDER OF RATE CALCULATION (FORMS HO 00 04 & HO 00 06)

1. Territorial Base Rates

X Key Factors X Tier Factors X Protection Class = Base Premium*

2. Base Premium (Step 1) X Construction Factor X Building Code Effectiveness Grading = Class Plan Premium

3. Class Plan Premium (Step 2) X Protective Device Discount (HO 04 16) X Multi-Policy Discount X Payroll Deduct Discount

= Adjusted Class Plan Premium 4. Adjusted Class Plan Premium (Step 3)

X Multiplicative Endorsement Factors (except HO 04 16) = Adjusted Premium 5. Adjusted Premium (Step 4)

X 1 - Deductible Factor = Deductible Credit

6. Adjusted Premium (Step 4) - Deductible Credit (Step 5) = Basic Premium

7. Dwelling Premium (Step 6) + Additive Endorsement Premium** X Multi-Policy Discount

= Total Policy Premium***

* Multiply Territorial Base Rates by Protection Class to determine Key Premium. ** Includes Increased Limits of Liability for Cov. D, Cov. E & Cov. F *** Rounds each endorsement after applying the Multi-Policy Discount. Total premium is rounded in Step 7.

WI-OR-1.a EFFECTIVE: FEBRUARY 23, 2015 NEW AND RENEWAL BUSINESS

Supporting Document Schedules Bypassed - Item: RateBypass Reason: n/aAttachment(s):Item Status: FiledStatus Date: 11/10/2014

Bypassed - Item: RuleBypass Reason: n/aAttachment(s):Item Status: FiledStatus Date: 11/10/2014

Satisfied - Item: Cover LetterComments:Attachment(s): Cover Letter.pdfItem Status: FiledStatus Date: 11/10/2014

Satisfied - Item: Tiering Model and RulesComments:

Attachment(s): Wisconsin Home Tier Underwriting Summary 20150223.pdfWisconsin Home Tiering Model 20150223.pdfItem Status: FiledStatus Date: 11/10/2014







November 10, 2014 Honorable Theodore K. Nickel Office of the Commissioner of Insurance Bureau of Market Regulation P.O. Box 7873 Madison, Wisconsin 53707-7873 Attention: Property & Casualty Rate Filings RE: Electric Insurance Company (NAIC 057-21261) Homeowners Multi-Peril – Rate/Rule Filing Our File Number – WI-CRT-14 Dear Commissioner Nickel: Electric Insurance Company submits for your review, under the file & use provision, a revision to our Multi-Peril Homeowners program. We propose to introduce the use of tiering for renters and condo forms. This change will not have a rating impact our current book of business. All current policies will be slotted into the neutral tier upon renewal. Subsequent renewals are not eligible for tier-movement. We intend to implement this change effective February 23, 2015 for new and renewal business. Please see the attached manual pages, tiering model and tier underwriting summary for further details. If you have any questions or concerns, please contact me by phone at 800.227.2757 Ext. 5048, by fax at 978.236.5048 or by email: [email protected]. Sincerely,

Michael Franzese State Filing Specialist Electric Insurance Company

mailto:[email protected]

Wisconsin

II. Tier Program Guidelines

Dwelling Forms

Overview

Customers will be assigned to a tier based on their Underwriting Score. A more detailed explanation on what characteristics make up an Underwriting Score as well as how the tiering structure will affect existing, new and renewal business provided below.

Model Characteristics

The Underwriting Score is determined by the following:

o Age of insured o Animals on the premises o Coverage A amount o Credit-Based Underwriting Score o Number of adults in household o Number of children in household o Years at residence

New Business Process

Eligibility Requirements

When a New Business applicant is interested in obtaining insurance through Electric Insurance Company, they must first meet all of our eligibility criteria before their Underwriting Score is determined.

Tier Placement

If a New Business applicant meets our eligibility requirements they will then go into a scoring model whereby they will be assigned their Underwriting Score.

Renewal Business Process

Reviewing Risks

All existing customers will be reviewed prior to their renewal date with Electric Insurance Company and the necessary action taken. Policyholders will be eligible for tier movement every 2 years from their original effective date. Movement to a better or worse tier will apply as follows.

Tier Movement – to a worse tier

If a policy’s Underwriting Score indicates placement in a higher rated tier they will move towards the indicated tier subject to a 2 tier cap.

Tier Movement – to a better tier

If a policy’s Underwriting Score indicates placement in a lower rated tier they will move towards the indicated tier subject to a 1 tier cap.

Renter and Condo Forms

Overview

Customers will be assigned to a tier based on their credit-based Underwriting Score. Refer to the Tier Placement table for a detailed explanation of the tier assignment criteria. The sections below describe how the tiering structure will affect existing, new and renewal business.

Original effective dates prior to 2/23/15

First Renewal

All existing policies written prior to the implementation of this program will slot into the neutral tier (G0) at the next renewal.

Subsequent Renewals

Policies will remain in tier G0 for all subsequent renewals.

Original effective dates of 2/23/15 and later

Eligibility Requirements

When a New Business applicant is interested in obtaining insurance through Electric Insurance Company, they must first meet all of our eligibility criteria before their Tier Placement is determined.

Tier Placement

If a New Business applicant meets our eligibility requirements they will then be placed into a tier based on the Tier Placement table.

Subsequent Renewals

Policies will remain in the previously assigned tier for all subsequent renewals.

All Forms

Disclosure Notices All existing customers that renew with Electric Insurance Company will continue to receive a renewal declaration prior to their actual renewal date. This notice will serve as confirmation of any changes to their policy in the upcoming year and will be in compliance with any and all Wisconsin rules and regulations.

Use of Credit

Electric Insurance Company will be ordering credit reports on all New and Renewal Business. We have contracted the services of LexisNexis and will be using the nationally recognized Automobile LN Attract Scoring model to determine a credit score on all applicants.

In the case of a “no hit” or “no score,” every effort will be made with the consumer to verify that all information being used to obtain credit information is accurate. However, if a report still comes back as a “no hit” or “no score” we will apply an appropriate factor.

Effective 2/23/15 New and Renewal

Tier TierLabel Factor

0.000 to 0.675 C5 0.6500.675 to 0.725 D0 0.7000.725 to 0.775 D5 0.7500.775 to 0.825 E0 0.8000.825 to 0.875 E5 0.8500.875 to 0.925 F0 0.9000.925 to 0.975 F5 0.9500.975 to 1.025 G0 1.0001.025 to 1.075 G5 1.0501.075 to 1.125 H0 1.1001.125 to 1.175 H5 1.1501.175 to 1.225 I0 1.2001.225 to 1.275 I5 1.2501.275 to 1.325 J0 1.3001.325 to 1.375 J5 1.3501.375 to 1.425 K0 1.4001.425 to 1.475 K5 1.4501.475 to 1.525 L0 1.5001.525 to 1.575 L5 1.5501.575 to 1.625 M0 1.6001.625 to 1.675 M5 1.6501.675 to 1.725 N0 1.7001.725 to 1.775 N5 1.7501.775 to 1.825 O0 1.8001.825 to 1.875 O5 1.8501.875 to 1.925 P0 1.9001.925 to 1.975 P5 1.9501.975 to 2.025 Q0 2.0002.025 to 2.050 Q5 2.050

greater than 2.050 V0** 2.500

* Multiply Part 1 and Part 2 Underwriting Scores to obtain final Underwriting Score**Decline New BusinessPart 2: If unknown for Age of insured is unknown use 69+

If residence years is unknown use 7+

Underwriting Score* Range

ELECTRIC INSURANCE COMPANYWISCONSIN HOMEOWNERS (ALL FORMS EXCEPT HO 00 04 & HO 00 06)

TIER PLACEMENT

ELECTRIC INSURANCE COMPANY

UNDERWRITING SCORE - PART 1Note:

If the credit score is not shown in the table below, interpolate the credit factors using the nearest limit above and below the credit score.

Part 1 Part 1 Part 1 Part 1Credit Underwriting Credit Underwriting Credit Underwriting Credit UnderwritingScore Score Score Score Score Score Score Score


UNDERWRITING SCORE - PART 2

Part 2Coverage A Number Number Age of Length of Presence Underwriting

Amount of Adults of Children Insured Residence of Animals Score

>$75,000 0-Unknown 0 18 - 28 yrs 0 - 6 yrs No 1.120>$75,000 0-Unknown 0 18 - 28 yrs 0 - 6 yrs Yes 1.213>$75,000 0-Unknown 0 18 - 28 yrs 7+ yrs No 1.064>$75,000 0-Unknown 0 18 - 28 yrs 7+ yrs Yes 1.152>$75,000 0-Unknown 0 29 - 68 yrs 0 - 6 yrs No 1.087>$75,000 0-Unknown 0 29 - 68 yrs 0 - 6 yrs Yes 1.177>$75,000 0-Unknown 0 29 - 68 yrs 7+ yrs No 1.033>$75,000 0-Unknown 0 29 - 68 yrs 7+ yrs Yes 1.118>$75,000 0-Unknown 0 69+ yrs 0 - 6 yrs No 0.978>$75,000 0-Unknown 0 69+ yrs 0 - 6 yrs Yes 1.059>$75,000 0-Unknown 0 69+ yrs 7+ yrs No 0.929>$75,000 0-Unknown 0 69+ yrs 7+ yrs Yes 1.007>$75,000 0-Unknown 1 18 - 28 yrs 0 - 6 yrs No 1.245>$75,000 0-Unknown 1 18 - 28 yrs 0 - 6 yrs Yes 1.348>$75,000 0-Unknown 1 18 - 28 yrs 7+ yrs No 1.183>$75,000 0-Unknown 1 18 - 28 yrs 7+ yrs Yes 1.281>$75,000 0-Unknown 1 29 - 68 yrs 0 - 6 yrs No 1.209>$75,000 0-Unknown 1 29 - 68 yrs 0 - 6 yrs Yes 1.309>$75,000 0-Unknown 1 29 - 68 yrs 7+ yrs No 1.148>$75,000 0-Unknown 1 29 - 68 yrs 7+ yrs Yes 1.244>$75,000 0-Unknown 1 69+ yrs 0 - 6 yrs No 1.088>$75,000 0-Unknown 1 69+ yrs 0 - 6 yrs Yes 1.178>$75,000 0-Unknown 1 69+ yrs 7+ yrs No 1.033>$75,000 0-Unknown 1 69+ yrs 7+ yrs Yes 1.119>$75,000 0-Unknown 2 18 - 28 yrs 0 - 6 yrs No 1.283>$75,000 0-Unknown 2 18 - 28 yrs 0 - 6 yrs Yes 1.390>$75,000 0-Unknown 2 18 - 28 yrs 7+ yrs No 1.219>$75,000 0-Unknown 2 18 - 28 yrs 7+ yrs Yes 1.320>$75,000 0-Unknown 2 29 - 68 yrs 0 - 6 yrs No 1.246>$75,000 0-Unknown 2 29 - 68 yrs 0 - 6 yrs Yes 1.349>$75,000 0-Unknown 2 29 - 68 yrs 7+ yrs No 1.183>$75,000 0-Unknown 2 29 - 68 yrs 7+ yrs Yes 1.282>$75,000 0-Unknown 2 69+ yrs 0 - 6 yrs No 1.121>$75,000 0-Unknown 2 69+ yrs 0 - 6 yrs Yes 1.214>$75,000 0-Unknown 2 69+ yrs 7+ yrs No 1.065>$75,000 0-Unknown 2 69+ yrs 7+ yrs Yes 1.153>$75,000 0-Unknown 3+ 18 - 28 yrs 0 - 6 yrs No 1.344>$75,000 0-Unknown 3+ 18 - 28 yrs 0 - 6 yrs Yes 1.455>$75,000 0-Unknown 3+ 18 - 28 yrs 7+ yrs No 1.276>$75,000 0-Unknown 3+ 18 - 28 yrs 7+ yrs Yes 1.382>$75,000 0-Unknown 3+ 29 - 68 yrs 0 - 6 yrs No 1.304>$75,000 0-Unknown 3+ 29 - 68 yrs 0 - 6 yrs Yes 1.413>$75,000 0-Unknown 3+ 29 - 68 yrs 7+ yrs No 1.239>$75,000 0-Unknown 3+ 29 - 68 yrs 7+ yrs Yes 1.342>$75,000 0-Unknown 3+ 69+ yrs 0 - 6 yrs No 1.174>$75,000 0-Unknown 3+ 69+ yrs 0 - 6 yrs Yes 1.271>$75,000 0-Unknown 3+ 69+ yrs 7+ yrs No 1.115>$75,000 0-Unknown 3+ 69+ yrs 7+ yrs Yes 1.208

WISCONSIN HOMEOWNERS (ALL FORMS EXCEPT HO 00 04 & HO 00 06)

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>$75,000 1 - 2 0 18 - 28 yrs 0 - 6 yrs No 1.030>$75,000 1 - 2 0 18 - 28 yrs 0 - 6 yrs Yes 1.115>$75,000 1 - 2 0 18 - 28 yrs 7+ yrs No 0.979>$75,000 1 - 2 0 18 - 28 yrs 7+ yrs Yes 1.060>$75,000 1 - 2 0 29 - 68 yrs 0 - 6 yrs No 1.000>$75,000 1 - 2 0 29 - 68 yrs 0 - 6 yrs Yes 1.083>$75,000 1 - 2 0 29 - 68 yrs 7+ yrs No 0.950>$75,000 1 - 2 0 29 - 68 yrs 7+ yrs Yes 1.029>$75,000 1 - 2 0 69+ yrs 0 - 6 yrs No 0.900>$75,000 1 - 2 0 69+ yrs 0 - 6 yrs Yes 0.975>$75,000 1 - 2 0 69+ yrs 7+ yrs No 0.855>$75,000 1 - 2 0 69+ yrs 7+ yrs Yes 0.926>$75,000 1 - 2 1 18 - 28 yrs 0 - 6 yrs No 1.145>$75,000 1 - 2 1 18 - 28 yrs 0 - 6 yrs Yes 1.240>$75,000 1 - 2 1 18 - 28 yrs 7+ yrs No 1.088>$75,000 1 - 2 1 18 - 28 yrs 7+ yrs Yes 1.178>$75,000 1 - 2 1 29 - 68 yrs 0 - 6 yrs No 1.112>$75,000 1 - 2 1 29 - 68 yrs 0 - 6 yrs Yes 1.204>$75,000 1 - 2 1 29 - 68 yrs 7+ yrs No 1.056>$75,000 1 - 2 1 29 - 68 yrs 7+ yrs Yes 1.144>$75,000 1 - 2 1 69+ yrs 0 - 6 yrs No 1.001>$75,000 1 - 2 1 69+ yrs 0 - 6 yrs Yes 1.084>$75,000 1 - 2 1 69+ yrs 7+ yrs No 0.951>$75,000 1 - 2 1 69+ yrs 7+ yrs Yes 1.030>$75,000 1 - 2 2 18 - 28 yrs 0 - 6 yrs No 1.180>$75,000 1 - 2 2 18 - 28 yrs 0 - 6 yrs Yes 1.278>$75,000 1 - 2 2 18 - 28 yrs 7+ yrs No 1.121>$75,000 1 - 2 2 18 - 28 yrs 7+ yrs Yes 1.214>$75,000 1 - 2 2 29 - 68 yrs 0 - 6 yrs No 1.146>$75,000 1 - 2 2 29 - 68 yrs 0 - 6 yrs Yes 1.241>$75,000 1 - 2 2 29 - 68 yrs 7+ yrs No 1.089>$75,000 1 - 2 2 29 - 68 yrs 7+ yrs Yes 1.179>$75,000 1 - 2 2 69+ yrs 0 - 6 yrs No 1.031>$75,000 1 - 2 2 69+ yrs 0 - 6 yrs Yes 1.117>$75,000 1 - 2 2 69+ yrs 7+ yrs No 0.980>$75,000 1 - 2 2 69+ yrs 7+ yrs Yes 1.061>$75,000 1 - 2 3+ 18 - 28 yrs 0 - 6 yrs No 1.236>$75,000 1 - 2 3+ 18 - 28 yrs 0 - 6 yrs Yes 1.339>$75,000 1 - 2 3+ 18 - 28 yrs 7+ yrs No 1.174>$75,000 1 - 2 3+ 18 - 28 yrs 7+ yrs Yes 1.272>$75,000 1 - 2 3+ 29 - 68 yrs 0 - 6 yrs No 1.200>$75,000 1 - 2 3+ 29 - 68 yrs 0 - 6 yrs Yes 1.300>$75,000 1 - 2 3+ 29 - 68 yrs 7+ yrs No 1.140>$75,000 1 - 2 3+ 29 - 68 yrs 7+ yrs Yes 1.235>$75,000 1 - 2 3+ 69+ yrs 0 - 6 yrs No 1.080>$75,000 1 - 2 3+ 69+ yrs 0 - 6 yrs Yes 1.170>$75,000 1 - 2 3+ 69+ yrs 7+ yrs No 1.026>$75,000 1 - 2 3+ 69+ yrs 7+ yrs Yes 1.111

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>$75,000 3+ 0 18 - 28 yrs 0 - 6 yrs No 1.120>$75,000 3+ 0 18 - 28 yrs 0 - 6 yrs Yes 1.213>$75,000 3+ 0 18 - 28 yrs 7+ yrs No 1.064>$75,000 3+ 0 18 - 28 yrs 7+ yrs Yes 1.152>$75,000 3+ 0 29 - 68 yrs 0 - 6 yrs No 1.087>$75,000 3+ 0 29 - 68 yrs 0 - 6 yrs Yes 1.177>$75,000 3+ 0 29 - 68 yrs 7+ yrs No 1.033>$75,000 3+ 0 29 - 68 yrs 7+ yrs Yes 1.118>$75,000 3+ 0 69+ yrs 0 - 6 yrs No 0.978>$75,000 3+ 0 69+ yrs 0 - 6 yrs Yes 1.059>$75,000 3+ 0 69+ yrs 7+ yrs No 0.929>$75,000 3+ 0 69+ yrs 7+ yrs Yes 1.007>$75,000 3+ 1 18 - 28 yrs 0 - 6 yrs No 1.245>$75,000 3+ 1 18 - 28 yrs 0 - 6 yrs Yes 1.348>$75,000 3+ 1 18 - 28 yrs 7+ yrs No 1.183>$75,000 3+ 1 18 - 28 yrs 7+ yrs Yes 1.281>$75,000 3+ 1 29 - 68 yrs 0 - 6 yrs No 1.209>$75,000 3+ 1 29 - 68 yrs 0 - 6 yrs Yes 1.309>$75,000 3+ 1 29 - 68 yrs 7+ yrs No 1.148>$75,000 3+ 1 29 - 68 yrs 7+ yrs Yes 1.244>$75,000 3+ 1 69+ yrs 0 - 6 yrs No 1.088>$75,000 3+ 1 69+ yrs 0 - 6 yrs Yes 1.178>$75,000 3+ 1 69+ yrs 7+ yrs No 1.033>$75,000 3+ 1 69+ yrs 7+ yrs Yes 1.119>$75,000 3+ 2 18 - 28 yrs 0 - 6 yrs No 1.283>$75,000 3+ 2 18 - 28 yrs 0 - 6 yrs Yes 1.390>$75,000 3+ 2 18 - 28 yrs 7+ yrs No 1.219>$75,000 3+ 2 18 - 28 yrs 7+ yrs Yes 1.320>$75,000 3+ 2 29 - 68 yrs 0 - 6 yrs No 1.246>$75,000 3+ 2 29 - 68 yrs 0 - 6 yrs Yes 1.349>$75,000 3+ 2 29 - 68 yrs 7+ yrs No 1.183>$75,000 3+ 2 29 - 68 yrs 7+ yrs Yes 1.282>$75,000 3+ 2 69+ yrs 0 - 6 yrs No 1.121>$75,000 3+ 2 69+ yrs 0 - 6 yrs Yes 1.214>$75,000 3+ 2 69+ yrs 7+ yrs No 1.065>$75,000 3+ 2 69+ yrs 7+ yrs Yes 1.153>$75,000 3+ 3+ 18 - 28 yrs 0 - 6 yrs No 1.344>$75,000 3+ 3+ 18 - 28 yrs 0 - 6 yrs Yes 1.455>$75,000 3+ 3+ 18 - 28 yrs 7+ yrs No 1.276>$75,000 3+ 3+ 18 - 28 yrs 7+ yrs Yes 1.382>$75,000 3+ 3+ 29 - 68 yrs 0 - 6 yrs No 1.304>$75,000 3+ 3+ 29 - 68 yrs 0 - 6 yrs Yes 1.413>$75,000 3+ 3+ 29 - 68 yrs 7+ yrs No 1.239>$75,000 3+ 3+ 29 - 68 yrs 7+ yrs Yes 1.342>$75,000 3+ 3+ 69+ yrs 0 - 6 yrs No 1.174>$75,000 3+ 3+ 69+ yrs 0 - 6 yrs Yes 1.271>$75,000 3+ 3+ 69+ yrs 7+ yrs No 1.115>$75,000 3+ 3+ 69+ yrs 7+ yrs Yes 1.208

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$70,000 0-Unknown 0 18 - 28 yrs 0 - 6 yrs No 1.136$70,000 0-Unknown 0 18 - 28 yrs 0 - 6 yrs Yes 1.231$70,000 0-Unknown 0 18 - 28 yrs 7+ yrs No 1.080$70,000 0-Unknown 0 18 - 28 yrs 7+ yrs Yes 1.169$70,000 0-Unknown 0 29 - 68 yrs 0 - 6 yrs No 1.103$70,000 0-Unknown 0 29 - 68 yrs 0 - 6 yrs Yes 1.195$70,000 0-Unknown 0 29 - 68 yrs 7+ yrs No 1.048$70,000 0-Unknown 0 29 - 68 yrs 7+ yrs Yes 1.135$70,000 0-Unknown 0 69+ yrs 0 - 6 yrs No 0.993$70,000 0-Unknown 0 69+ yrs 0 - 6 yrs Yes 1.075$70,000 0-Unknown 0 69+ yrs 7+ yrs No 0.943$70,000 0-Unknown 0 69+ yrs 7+ yrs Yes 1.022$70,000 0-Unknown 1 18 - 28 yrs 0 - 6 yrs No 1.264$70,000 0-Unknown 1 18 - 28 yrs 0 - 6 yrs Yes 1.369$70,000 0-Unknown 1 18 - 28 yrs 7+ yrs No 1.200$70,000 0-Unknown 1 18 - 28 yrs 7+ yrs Yes 1.300$70,000 0-Unknown 1 29 - 68 yrs 0 - 6 yrs No 1.227$70,000 0-Unknown 1 29 - 68 yrs 0 - 6 yrs Yes 1.329$70,000 0-Unknown 1 29 - 68 yrs 7+ yrs No 1.166$70,000 0-Unknown 1 29 - 68 yrs 7+ yrs Yes 1.262$70,000 0-Unknown 1 69+ yrs 0 - 6 yrs No 1.104$70,000 0-Unknown 1 69+ yrs 0 - 6 yrs Yes 1.196$70,000 0-Unknown 1 69+ yrs 7+ yrs No 1.049$70,000 0-Unknown 1 69+ yrs 7+ yrs Yes 1.136$70,000 0-Unknown 2 18 - 28 yrs 0 - 6 yrs No 1.302$70,000 0-Unknown 2 18 - 28 yrs 0 - 6 yrs Yes 1.410$70,000 0-Unknown 2 18 - 28 yrs 7+ yrs No 1.237$70,000 0-Unknown 2 18 - 28 yrs 7+ yrs Yes 1.340$70,000 0-Unknown 2 29 - 68 yrs 0 - 6 yrs No 1.264$70,000 0-Unknown 2 29 - 68 yrs 0 - 6 yrs Yes 1.369$70,000 0-Unknown 2 29 - 68 yrs 7+ yrs No 1.201$70,000 0-Unknown 2 29 - 68 yrs 7+ yrs Yes 1.301$70,000 0-Unknown 2 69+ yrs 0 - 6 yrs No 1.138$70,000 0-Unknown 2 69+ yrs 0 - 6 yrs Yes 1.232$70,000 0-Unknown 2 69+ yrs 7+ yrs No 1.081$70,000 0-Unknown 2 69+ yrs 7+ yrs Yes 1.171$70,000 0-Unknown 3+ 18 - 28 yrs 0 - 6 yrs No 1.364$70,000 0-Unknown 3+ 18 - 28 yrs 0 - 6 yrs Yes 1.477$70,000 0-Unknown 3+ 18 - 28 yrs 7+ yrs No 1.296$70,000 0-Unknown 3+ 18 - 28 yrs 7+ yrs Yes 1.403$70,000 0-Unknown 3+ 29 - 68 yrs 0 - 6 yrs No 1.324$70,000 0-Unknown 3+ 29 - 68 yrs 0 - 6 yrs Yes 1.434$70,000 0-Unknown 3+ 29 - 68 yrs 7+ yrs No 1.258$70,000 0-Unknown 3+ 29 - 68 yrs 7+ yrs Yes 1.362$70,000 0-Unknown 3+ 69+ yrs 0 - 6 yrs No 1.192$70,000 0-Unknown 3+ 69+ yrs 0 - 6 yrs Yes 1.290$70,000 0-Unknown 3+ 69+ yrs 7+ yrs No 1.132$70,000 0-Unknown 3+ 69+ yrs 7+ yrs Yes 1.226

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$70,000 1 - 2 0 18 - 28 yrs 0 - 6 yrs No 1.045$70,000 1 - 2 0 18 - 28 yrs 0 - 6 yrs Yes 1.132$70,000 1 - 2 0 18 - 28 yrs 7+ yrs No 0.993$70,000 1 - 2 0 18 - 28 yrs 7+ yrs Yes 1.076$70,000 1 - 2 0 29 - 68 yrs 0 - 6 yrs No 1.015$70,000 1 - 2 0 29 - 68 yrs 0 - 6 yrs Yes 1.099$70,000 1 - 2 0 29 - 68 yrs 7+ yrs No 0.964$70,000 1 - 2 0 29 - 68 yrs 7+ yrs Yes 1.044$70,000 1 - 2 0 69+ yrs 0 - 6 yrs No 0.914$70,000 1 - 2 0 69+ yrs 0 - 6 yrs Yes 0.989$70,000 1 - 2 0 69+ yrs 7+ yrs No 0.868$70,000 1 - 2 0 69+ yrs 7+ yrs Yes 0.940$70,000 1 - 2 1 18 - 28 yrs 0 - 6 yrs No 1.163$70,000 1 - 2 1 18 - 28 yrs 0 - 6 yrs Yes 1.259$70,000 1 - 2 1 18 - 28 yrs 7+ yrs No 1.104$70,000 1 - 2 1 18 - 28 yrs 7+ yrs Yes 1.196$70,000 1 - 2 1 29 - 68 yrs 0 - 6 yrs No 1.129$70,000 1 - 2 1 29 - 68 yrs 0 - 6 yrs Yes 1.222$70,000 1 - 2 1 29 - 68 yrs 7+ yrs No 1.072$70,000 1 - 2 1 29 - 68 yrs 7+ yrs Yes 1.161$70,000 1 - 2 1 69+ yrs 0 - 6 yrs No 1.016$70,000 1 - 2 1 69+ yrs 0 - 6 yrs Yes 1.100$70,000 1 - 2 1 69+ yrs 7+ yrs No 0.965$70,000 1 - 2 1 69+ yrs 7+ yrs Yes 1.045$70,000 1 - 2 2 18 - 28 yrs 0 - 6 yrs No 1.198$70,000 1 - 2 2 18 - 28 yrs 0 - 6 yrs Yes 1.298$70,000 1 - 2 2 18 - 28 yrs 7+ yrs No 1.138$70,000 1 - 2 2 18 - 28 yrs 7+ yrs Yes 1.233$70,000 1 - 2 2 29 - 68 yrs 0 - 6 yrs No 1.163$70,000 1 - 2 2 29 - 68 yrs 0 - 6 yrs Yes 1.260$70,000 1 - 2 2 29 - 68 yrs 7+ yrs No 1.105$70,000 1 - 2 2 29 - 68 yrs 7+ yrs Yes 1.197$70,000 1 - 2 2 69+ yrs 0 - 6 yrs No 1.047$70,000 1 - 2 2 69+ yrs 0 - 6 yrs Yes 1.134$70,000 1 - 2 2 69+ yrs 7+ yrs No 0.995$70,000 1 - 2 2 69+ yrs 7+ yrs Yes 1.077$70,000 1 - 2 3+ 18 - 28 yrs 0 - 6 yrs No 1.255$70,000 1 - 2 3+ 18 - 28 yrs 0 - 6 yrs Yes 1.359$70,000 1 - 2 3+ 18 - 28 yrs 7+ yrs No 1.192$70,000 1 - 2 3+ 18 - 28 yrs 7+ yrs Yes 1.291$70,000 1 - 2 3+ 29 - 68 yrs 0 - 6 yrs No 1.218$70,000 1 - 2 3+ 29 - 68 yrs 0 - 6 yrs Yes 1.319$70,000 1 - 2 3+ 29 - 68 yrs 7+ yrs No 1.157$70,000 1 - 2 3+ 29 - 68 yrs 7+ yrs Yes 1.253$70,000 1 - 2 3+ 69+ yrs 0 - 6 yrs No 1.096$70,000 1 - 2 3+ 69+ yrs 0 - 6 yrs Yes 1.187$70,000 1 - 2 3+ 69+ yrs 7+ yrs No 1.041$70,000 1 - 2 3+ 69+ yrs 7+ yrs Yes 1.128

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$70,000 3+ 0 18 - 28 yrs 0 - 6 yrs No 1.136$70,000 3+ 0 18 - 28 yrs 0 - 6 yrs Yes 1.231$70,000 3+ 0 18 - 28 yrs 7+ yrs No 1.080$70,000 3+ 0 18 - 28 yrs 7+ yrs Yes 1.169$70,000 3+ 0 29 - 68 yrs 0 - 6 yrs No 1.103$70,000 3+ 0 29 - 68 yrs 0 - 6 yrs Yes 1.195$70,000 3+ 0 29 - 68 yrs 7+ yrs No 1.048$70,000 3+ 0 29 - 68 yrs 7+ yrs Yes 1.135$70,000 3+ 0 69+ yrs 0 - 6 yrs No 0.993$70,000 3+ 0 69+ yrs 0 - 6 yrs Yes 1.075$70,000 3+ 0 69+ yrs 7+ yrs No 0.943$70,000 3+ 0 69+ yrs 7+ yrs Yes 1.022$70,000 3+ 1 18 - 28 yrs 0 - 6 yrs No 1.264$70,000 3+ 1 18 - 28 yrs 0 - 6 yrs Yes 1.369$70,000 3+ 1 18 - 28 yrs 7+ yrs No 1.200$70,000 3+ 1 18 - 28 yrs 7+ yrs Yes 1.300$70,000 3+ 1 29 - 68 yrs 0 - 6 yrs No 1.227$70,000 3+ 1 29 - 68 yrs 0 - 6 yrs Yes 1.329$70,000 3+ 1 29 - 68 yrs 7+ yrs No 1.166$70,000 3+ 1 29 - 68 yrs 7+ yrs Yes 1.262$70,000 3+ 1 69+ yrs 0 - 6 yrs No 1.104$70,000 3+ 1 69+ yrs 0 - 6 yrs Yes 1.196$70,000 3+ 1 69+ yrs 7+ yrs No 1.049$70,000 3+ 1 69+ yrs 7+ yrs Yes 1.136$70,000 3+ 2 18 - 28 yrs 0 - 6 yrs No 1.302$70,000 3+ 2 18 - 28 yrs 0 - 6 yrs Yes 1.410$70,000 3+ 2 18 - 28 yrs 7+ yrs No 1.237$70,000 3+ 2 18 - 28 yrs 7+ yrs Yes 1.340$70,000 3+ 2 29 - 68 yrs 0 - 6 yrs No 1.264$70,000 3+ 2 29 - 68 yrs 0 - 6 yrs Yes 1.369$70,000 3+ 2 29 - 68 yrs 7+ yrs No 1.201$70,000 3+ 2 29 - 68 yrs 7+ yrs Yes 1.301$70,000 3+ 2 69+ yrs 0 - 6 yrs No 1.138$70,000 3+ 2 69+ yrs 0 - 6 yrs Yes 1.232$70,000 3+ 2 69+ yrs 7+ yrs No 1.081$70,000 3+ 2 69+ yrs 7+ yrs Yes 1.171$70,000 3+ 3+ 18 - 28 yrs 0 - 6 yrs No 1.364$70,000 3+ 3+ 18 - 28 yrs 0 - 6 yrs Yes 1.477$70,000 3+ 3+ 18 - 28 yrs 7+ yrs No 1.296$70,000 3+ 3+ 18 - 28 yrs 7+ yrs Yes 1.403$70,000 3+ 3+ 29 - 68 yrs 0 - 6 yrs No 1.324$70,000 3+ 3+ 29 - 68 yrs 0 - 6 yrs Yes 1.434$70,000 3+ 3+ 29 - 68 yrs 7+ yrs No 1.258$70,000 3+ 3+ 29 - 68 yrs 7+ yrs Yes 1.362$70,000 3+ 3+ 69+ yrs 0 - 6 yrs No 1.192$70,000 3+ 3+ 69+ yrs 0 - 6 yrs Yes 1.290$70,000 3+ 3+ 69+ yrs 7+ yrs No 1.132$70,000 3+ 3+ 69+ yrs 7+ yrs Yes 1.226

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$25,000 0-Unknown 0 18 - 28 yrs 0 - 6 yrs No 1.217$25,000 0-Unknown 0 18 - 28 yrs 0 - 6 yrs Yes 1.318$25,000 0-Unknown 0 18 - 28 yrs 7+ yrs No 1.156$25,000 0-Unknown 0 18 - 28 yrs 7+ yrs Yes 1.252$25,000 0-Unknown 0 29 - 68 yrs 0 - 6 yrs No 1.182$25,000 0-Unknown 0 29 - 68 yrs 0 - 6 yrs Yes 1.280$25,000 0-Unknown 0 29 - 68 yrs 7+ yrs No 1.122$25,000 0-Unknown 0 29 - 68 yrs 7+ yrs Yes 1.216$25,000 0-Unknown 0 69+ yrs 0 - 6 yrs No 1.063$25,000 0-Unknown 0 69+ yrs 0 - 6 yrs Yes 1.152$25,000 0-Unknown 0 69+ yrs 7+ yrs No 1.010$25,000 0-Unknown 0 69+ yrs 7+ yrs Yes 1.094$25,000 0-Unknown 1 18 - 28 yrs 0 - 6 yrs No 1.353$25,000 0-Unknown 1 18 - 28 yrs 0 - 6 yrs Yes 1.466$25,000 0-Unknown 1 18 - 28 yrs 7+ yrs No 1.286$25,000 0-Unknown 1 18 - 28 yr

Filing at a Glance · 2014. 11. 25. · Michael Franzese State Filing Specialist . Electric...

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Transcript of Filing at a Glance · 2014. 11. 25. · Michael Franzese State Filing Specialist . Electric...