<xs:element name="CoveragesList" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:complexType>
    <xs:sequence>
      <xs:element name="BenefitCoverage">
        <xs:complexType>
          <xs:sequence>
            <xs:element type="xs:boolean" name="Active" />
            <xs:element type="xs:string" name="Name" />
            <xs:element type="xs:string" name="Description" />
            <xs:element type="xs:string" name="HrOptionCode" />
            <xs:element type="xs:string" name="PRDeduction" />
            <xs:element type="xs:string" name="PRBenefitCode" />
            <xs:element type="xs:float" name="EECost" nillable="true" />
            <xs:element type="xs:float" name="ERCost" nillable="true" />
            <xs:element type="xs:float" name="Deductable" nillable="true" />
            <xs:element type="xs:integer" name="DependentMaxAge" nillable="true" />
            <xs:element type="xs:integer" name="EmployeeMaxAge" nillable="true" />
            <xs:element type="xs:string" name="CoverageLevelType" />
            <xs:element type="xs:integer" name="MinimumAge" nillable="true" />
            <xs:element type="xs:string" name="DeductionFrequency" />
            <xs:element type="xs:string" name="Trustee" />
            <xs:element type="xs:string" name="AccountNumber" />
            <xs:element type="xs:boolean" name="BonusElectionsActive" />
            <xs:element type="xs:boolean" name="LoansAllowed" />
            <xs:element type="xs:boolean" name="HardshipWithdrawalsAllowed" />
            <xs:element type="xs:integer" name="RetirementWaitPeriodDays" nillable="true" />
            <xs:element type="xs:string" name="EmployerCostType" />
            <xs:element type="xs:string" name="EmployeeCostType" />
            <xs:element type="xs:float" name="EmployeeCostPeriodMaximum" nillable="true" />
            <xs:element type="xs:float" name="EmployeeCostAnnualMaximum" nillable="true" />
            <xs:element type="xs:float" name="EmployeeCostLifetimeMaximum" nillable="true" />
            <xs:element type="xs:float" name="EmployerCostPeriodMaximum" nillable="true" />
            <xs:element type="xs:float" name="EmployerCostAnnualMaximum" nillable="true" />
            <xs:element type="xs:float" name="EmployerCostLifetimeMaximum" nillable="true" />
            <xs:element type="xs:float" name="LifeInsEmployeeIncrement" nillable="true" />
            <xs:element type="xs:float" name="LifeInsSpouseIncrement" nillable="true" />
            <xs:element type="xs:float" name="LifeInsChildIncrement" nillable="true" />
            <xs:element type="xs:string" name="LifeInsPremiumType" />
            <xs:element type="xs:string" name="LifeInsERAssistanceType" />
            <xs:element type="xs:float" name="LifeInsERAssistanceIncrement" nillable="true" />
            <xs:element type="xs:float" name="LifeInsERAssistancePremium" nillable="true" />
            <xs:element type="xs:float" name="LifeInsERAssistanceAmount" nillable="true" />
            <xs:element type="xs:float" name="LifeInsChildPremiumAmount" nillable="true" />
            <xs:element type="xs:float" name="EmployeeLifetimeMaxBenefit" nillable="true" />
            <xs:element type="xs:string" name="Coinsurance" />
            <xs:element type="xs:string" name="RxCoverage" />
            <xs:element type="xs:string" name="HospitalCoverage" />
            <xs:element type="xs:string" name="OfficeVisitCoverage" />
            <xs:element type="xs:string" name="UrgentCareCoverage" />
            <xs:element type="xs:boolean" name="EmployeeDecidesCost" />
            <xs:element type="xs:float" name="EmployeeCoverageAmount" nillable="true" />
            <xs:element type="xs:float" name="SpouseCoverageAmount" nillable="true" />
            <xs:element type="xs:float" name="ChildCoverageAmount" nillable="true" />
            <xs:element type="xs:float" name="EmployeeMaxCoverageAmount" nillable="true" />
            <xs:element type="xs:float" name="SpouseMaxCoverageAmount" nillable="true" />
            <xs:element type="xs:float" name="ChildMaxCoverageAmount" nillable="true" />
            <xs:element type="xs:string" name="LifeInsCoverageType" />
            <xs:element type="xs:float" name="LifeInsSmokerIncrement" nillable="true" />
            <xs:element type="xs:float" name="SecondaryERCost" nillable="true" />
            <xs:element type="xs:float" name="LifeInsBenefitAmount" nillable="true" />
            <xs:element type="xs:float" name="LifeInsBenefitType" nillable="true" />
            <xs:element type="xs:string" name="CustomDetails1" nillable="true" />
            <xs:element type="xs:string" name="CustomDetails2" nillable="true" />
            <xs:element type="xs:float" name="SpouseMaxCoverageCap" nillable="true" />
            <xs:element type="xs:float" name="ChildMaxCoverageCap" nillable="true" />
            <xs:element type="xs:boolean" name="UseEmployeeAgeForSpousePremiums" />
            <xs:element type="xs:boolean" name="LifeInsUseSingleChildForPremium" />
            <xs:element type="xs:float" name="LifeInsEmployeeGuarantee" nillable="true" />
            <xs:element type="xs:float" name="LifeInsSpouseGuarantee" nillable="true" />
            <xs:element name="RetirementMatchPoliciesList">
              <xs:complexType>
                <xs:sequence>
                  <xs:element name="BenefitCoverageMatchPolicy">
                    <xs:complexType>
                      <xs:sequence>
                        <xs:element type="xs:float" name="MatchLevel" />
                        <xs:element type="xs:float" name="LowerLimitPercent" />
                        <xs:element type="xs:float" name="UpperLimitPercent" />
                        <xs:element type="xs:float" name="AnnualMaximumMatchAmount" nillable="true" />
                      </xs:sequence>
                    </xs:complexType>
                  </xs:element>
                </xs:sequence>
              </xs:complexType>
            </xs:element>
            <xs:element name="LifeInsuranceAgeBasedPremiumsList">
              <xs:complexType>
                <xs:sequence>
                  <xs:element name="BenefitCoverageLifeInsuranceAgeBasedPremium">
                    <xs:complexType>
                      <xs:sequence>
                        <xs:element type="xs:int" name="MinAge" nillable="true" />
                        <xs:element type="xs:int" name="MaxAge" nillable="true" />
                        <xs:element type="xs:float" name="EmployeePremium" />
                        <xs:element type="xs:float" name="EmployeeSmokerPremium" />
                        <xs:element type="xs:float" name="SpousePremium" />
                        <xs:element type="xs:float" name="SpouseSmokerPremium" />
                      </xs:sequence>
                    </xs:complexType>
                  </xs:element>
                </xs:sequence>
              </xs:complexType>
            </xs:element>
          </xs:sequence>
        </xs:complexType>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
</xs:element>