Aon Hewitt recommends performing regular dependent verifications through their Plan-Smart program to identify ineligible dependents enrolled in benefit plans. This helps reduce costs from incorrectly enrolled dependents by an average of 5-7% per audit. Plan-Smart conducts an initial full dependent audit and then ongoing verifications to ensure only eligible dependents remain enrolled. The audits are administered through Aon Hewitt's technology-driven process which provides customizable communications, customer service, and reporting to clients. Regular dependent verifications can result in substantial and ongoing cost savings for organizations.

1. Aon Hewitt
Risk. Reinsurance. Human Resources.
Initial, ongoing, and event-based dependent verifications preserve the integrity of your benefit plans
by identifying incorrectly enrolled dependents. Sometimes these enrollments are simple oversights
by the employee or plan administrator. Other times, they’re an intentional attempt to gain benefits
for someone not entitled to coverage. Either way, these enrollments cost the plan and the plan
participants significant dollars.
It Makes Business Sense
In addition to cost savings and cost containment, other good business reasons to perform a dependent
audit include:
To demonstrate fiduciary responsibility;
To reduce compliance risk under Sarbanes-Oxley, ERISA, and DOL guidelines;
To adhere to the exclusive benefit rule;
To provide fair treatment of all employees;
To keep benefits premiums low; and
To demonstrate that employee fraud is not acceptable at your company.
Plan-Smart—An Easy-to-Implement Solution
Plan-Smart performs the verification work and removes a potentially tedious task from the desks of the HR
team. Aon Hewitt’s easy-to-implement solution helps ensure a maximum return on your benefits investment
by reducing future dependent health care costs and improving employee understanding of health care cost
drivers and their personal responsibility for controlling these costs.
Plan-Smart performs a complete audit of your entire enrolled dependent population. Only a complete audit,
as compared to a statistical sampling, can ensure maximum return on investment while treating all
employees equitably.
Measurable and Documented Results
Plan-Smart delivers significant financial results measured in months, not years. Depending on the size of a
population, the cost savings can be substantial. Our solution reduces the number of enrolled dependents by
as much as 30 percent with an average reduction of 5 to 7 percent. At an average cost per covered
dependent of $4,100, the savings to be gained add up quickly.
If you’re interested in
learning how your company
and its plan participants can
benefit from Aon Hewitt’s
Plan-Smart dependent
verification services, contact
your local Aon Hewitt
consultant, visit the Plan-
Smart Web site at
plan-smart.com, or email
peoplesolutions@aonhewitt
.com

2. Aon Hewitt
© Aon plc 2015. All rights reserved.
Plan-Smart® and Plan-Guard® Dependent Verification Services 2
Average Audit Population and Results
Client Industry
Employees
Covering
Dependents
Dependents
Enrolled
Percentage of
Ineligible
Dependents
Biotechnology and Drugs 3,654 7,332 3.46%
Construction 5,968 8,608 10.14%
Energy 6,670 11,429 5.79%
Financial 5,218 11,227 4.48%
Government 11,163 18,521 10.41%
Health Care 3,262 6,979 6.08%
Manufacturing 2,536 5,418 6.87%
Miscellaneous 5,138 9,024 7.91%
Retail 9,393 16,523 7.59%
Technology & Telecommunications 22,794 43,297 4.41%
Overall Average 7,957 14,789 6.78%
Additional Advantages
Plan-Smart is a customizable, high-tech solution that’s objective, consistent, defensible, and actionable.
Other reasons companies chose Plan-Smart include:
Alleviates the internal need to establish technology and process frameworks;
Insulates you from the process through third-party objectivity that preserves employee/employer
goodwill;
Guaranteed service excellence through performance standards and written guarantees;
Simple and easy-to-use Web-based reporting;
And, not to be overlooked, reduction of the HR and benefit department’s burden, leaving more time to
focus on strategic, business-critical initiatives.
Plan-Smart’s product and service quality excellence is demonstrated through our core strength and
commitment to quality. Core strengths include:
Communications. Communication is critical to the overall success of your audit’s outcome. Our flexible
solution includes timelines, letter content, FAQs, and response deadlines you personally control.
Service. Our customer service representatives are employee-focused and our program is transparent.
Inbound call center support, online FAQs, secure message inquiry support, and employee phone
outreach combine to provide a comprehensive program specific to your needs. You can help manage
and control the process thanks to a Web-based tool kit you can control.
Technology and Reporting. The cornerstone to our process is a sophisticated, flexible determination
engine that accepts documents submitted by the enrolled employees and determines their
dependents’ eligibility. Configured to match your plan design, this systematic adjudication ensures
repeatable, consistent, and defensible results.
Plan-Smart examines 100 percent of your entire enrolled dependent population. Questionnaires, surveys,
and sampling tactics produce only a modest fraction of the possible results and subject the plan to
discrimination allegations. Only a complete audit, as compared to a statistical sampling, can ensure
maximum return on investment while treating all employees equitably.
Plan-Smart Helps Maintain the Integrity of Your Benefit Plans
If preventative measures are not incorporated following a comprehensive audit, most employers end up
back where they started in terms of qualified eligibility in as little as two to three years.

3. Aon Hewitt
© Aon plc 2015. All rights reserved.
Plan-Smart® and Plan-Guard® Dependent Verification Services 3
Our Plan-Smart service helps you preserve the integrity of your benefit plans and protect the results of your
comprehensive audit. We do this by continually identifying ineligible dependents whom employees attempt
to enroll at the time of a new hire, qualified family status change events, and new dependents added during
the open enrollment process.
Our flexible solution ensures that the verification process is designed to meet the specific requirements of
your organization, while minimizing your own time commitment to the process. We’ll make certain that
ineligible dependents don’t get on your group health plans and incur claims that are fraudulent and present
a liability and fiduciary infraction on you, as plan sponsor. Based on our experience, our average ongoing
verification results are two times the results of your initial audit.
Plan-Smart also prevents duplicative work by your employees to stay “verified.” It eliminates the need to
repeat a comprehensive audit every few years.
Plan-Smart Makes Good Business Sense
We recognize that you and your HR colleagues are responsible for ensuring that your benefit programs are in
compliance, that benefit dollars are spent wisely, and that your chosen benefit options assist in the
recruitment and retention of key talent. Aon Hewitt’s Plan-Smart verification process solves the difficult task
of verifying dependent eligibility for you now and in the future.
With hundreds of audit clients that range in size from 500 to more than 300,000 employee lives, Aon Hewitt
is the leader and best practice solution for dependent verification solutions.
Aon Hewitt’s Dependent Eligibility System
Communications
Our process begins with a positive,
customized introduction to the process and
solicitation of necessary documentation.
Our solution flexes to match your company
culture.
You control timelines, customized letter
content, FAQs and response deadlines.
Service
Our culture of outstanding service is most
evident in our employee-focused customer
service representatives.
Transparent technology solutions ensure that
you can see everything we do throughout a
manageable process.
Our goal is to deliver the best possible
experience and outcome for your company
and each of your employees.
Technology
The provisions of your SPD(s) control the
evaluation of your dependent eligibility audit.
Business-driven rules ensure the process,
required documentation and escalation rules.
Verification documents are scanned and
entered into the system. This process ensures
a consistent and objective assessment.
Reporting
Each client has access to a Web-based utility to
design and monitor the entire audit process.
Your employees have access to a custom
designed Web portal which allows them
access to audit status and the ability to ask
questions, request information and update
personal data.
You have complete control from beginning to
end without the burden of clerical tasks.