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How is age calculated in Spending Game?

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Spending Game offers six different preference options for calculating ages for a case. The best choice depends on how you prefer to present the information and/or your desire to align ages with insurance illustrations.

Common choices are:

  • Actual Age at Beginning (or End) of Period - while setting Project From Date to January 1st of the current year (so the period is based on calendar year)
  • Project From Date Attained Age at Beginning (or End) of Period - while setting Project From Date to date of an illustration you intend to match.

The following is a brief explanation of each option and how it's calculated...

Definitions

  • PFD = Project From Date
  • DOB = Client(Spouse) Date of Birth
  • Attained Age = If remaining partial age is > 6 months, age is rounded up.

Actual Age at Beginning of Period: The age is calculated as of the [Project From Date]. Math: PDF.Year - DOB.Year ( - 1 if birthday is after PFD Month/Day).

Actual Age at End of Period: The age is calculated as of the [Project From Date] plus 1 year - to present the client age at the end of the period year. Math: (PFD.Year + 1) - DOB.Year ( - 1 if birthday is after PFD Month/Day).

Calendar Year Attained Age at Beginning of Period: The attained age as of January 1st of the calendar year of the [Project From Date] (target date). Math: PFD.Year - DOB.Year ( + 1 if birthday > 6 months from target date or -1 if birthday is < 6 months from target date.)

Calendar Year Attained Age at End of Period: The attained age as of January 1st of the calendar year of the [Project From Date] (target date) + 1 year. Math: PFD.Year - DOB.Year ( + 1 if birthday > 6 months from target date or -1 if birthday is < 6 months from target date.)

Project From Date Attained Age at Beginning of Period: The attained age as of the [Project From Date] (target date). Math: PFD.Year - DOB.Year ( + 1 if birthday > 6 months from target date or -1 if birthday is < 6 months from target date.)

Project From Date Attained Age at Endof Period: The attained age as of the [Project From Date] (target date) + 1 year. Math: PFD.Year - DOB.Year ( + 1 if birthday > 6 months from target date or -1 if birthday is < 6 months from target date.)

Why do we have so many choices? Because, over time, our member community requested each of them!

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