aireadylife-benefits-op-coverage-reviewlisted

## What It Does Runs quarterly to catch two distinct types of coverage problems: administrative errors (elections that were supposed to be in place but got dropped or misconfigured) and strategic gaps (coverage amounts that are technically in place but insufficient given current income, assets, or dependent situation). **Administrative verification:** Reads current benefit elections from `vault/benefits/00_current/` — the coverage confirmation or benefits summary document from the most recent enrollment — and cross-checks against payroll deduction data from `vault/benefits/` pay stub records. If a benefit is elected, the corresponding deduction should appear on every paycheck. A missing deduction for medical, dental, vision, life, disability, or FSA is a signal that the election may not have been processed correctly by HR. Catches this type of administrative error — which happens more often than it should, particularly after a job transition, open enrollment system migration, or life event change. **Coverage adequacy analysis:** For each active coverage line, checks whether the coverage amount is sufficient given the user's current situation: *Life insurance:* Applies the 10-12x annual gross income rule. Total life coverage from all sources (employer group life + any supplemental life elected + any individual term policies) compared to the target. If dependents are present, the multiplier should be at the high end of the range (12x). Outstanding mortgage or other signific