Important Disclaimers

ScoreMyBenefits is a decision-support tool designed to help you evaluate and compare your benefits program against market benchmarks. It is not a substitute for actuarial analysis, legal counsel, or licensed underwriting services.

The scores, projections, and recommendations provided are based on aggregated data and modeled scenarios—they reflect comparative positioning, not guaranteed outcomes. Your actual costs, savings, and program performance will vary based on plan design, carrier contracts, employee demographics, utilization patterns, and market conditions.

We recommend consulting with qualified benefits advisors, actuaries, and legal professionals before making benefits decisions. ScoreMyBenefits does not provide actuarial, legal, tax, or underwriting advice.

The five-year cost projections and savings estimates are modeled scenarios designed to illustrate potential directional impact of program changes under stated assumptions—they are not forecasts or guarantees of future expenses.

Actual results will differ based on factors including but not limited to: medical inflation rates, claims experience, employee demographics, plan participation, carrier rate changes, regulatory changes, and market conditions.

Past performance and modeled projections do not guarantee future results.

Our benchmarks are derived from aggregated public data sources, including government filings, industry surveys, and normalized market ranges. While we strive to maintain current and accurate benchmark data, the following limitations apply:

• Benchmarks represent aggregated market data and may not reflect your specific market conditions
• Industry categories are broad and may not capture nuances of your specific sector
• Company size ranges are generalized and may not account for unique organizational structures
• Geographic variation in healthcare costs may not be fully reflected in national averages
• Benchmark data has inherent lag time from data collection to publication

The accuracy of your results depends on the completeness and accuracy of the data you provide:

• High Confidence: Complete, verified program data with detailed plan information
• Medium Confidence: Partial data with some estimates based on industry ranges
• Low Confidence: Limited data requiring significant reliance on industry averages

Our scoring algorithm uses normalized assumptions where data is incomplete. These assumptions may not reflect your specific situation.

ScoreMyBenefits is not designed to replace or provide:

• Actuarial modeling or certified actuarial projections
• ERISA-compliant plan valuations or compliance audits
• Detailed stop-loss analysis or underwriting evaluation
• Legal plan document review or regulatory guidance
• DOL, IRS, or ACA compliance reporting documentation
• Licensed insurance advice or formal underwriting decisions

If you need certified actuarial projections, legal plan document review, or assistance with regulatory compliance requirements, please consult licensed professionals in those domains.