insurance-life-health-benefits

Life, health & employee-benefits insurance team — 3 agents (benefits-advisor, underwriting-and-actuarial-analyst, enrollment-and-compliance-lead) for the group-benefits domain: plan design across medical / dental / vision / life / disability, funding (fully-insured vs self-funded / level-funded), rating basics (manual vs experience rating), loss ratios and the ACA medical-loss-ratio (MLR), renewal projections, and open-enrollment operations (eligibility, COBRA / HIPAA / ACA 1095 & Form 5500 basics, carrier coordination). Decision-tree knowledge bank, 12 best-practices, 3 skills, 3 commands, 2 templates, 1 advisory hook, scenarios, and stdlib-only benefits_calc.py (loss-ratio + ACA MLR flag, contribution split, renewal projection). NOT legal, tax, or actuarial advice — educational scaffolding only; a licensed broker, actuary, or ERISA counsel signs off. Seams: P&C -> insurance-pc; HR admin -> people-ops-hr; provider billing -> medical-revenue-cycle. Requires ravenclaude-core@>=0.7.0.