Dollars per claimant
Although we have total dollar cost data, we do not have the total number of claimants nor do we have data on the affirmed sexes of the individuals – thus we can only estimate that the average dollars per claimant ranged between $15,963 and $63,853. If we assume that 15 different people (the median of our lower and upper bounds of total possible claimants) filed claims over the five year period, total costs averaged $25,542 per claimant.
We can break this down by years:
2001-2004: In the first 3 years, with a cap of $50,000, between 4 and 7 claimants utilized the benefit, averaging between $22,286 and $39,000 each.
2004-2006: In the two year period following the increase in the cap, between 7 and 18 claimants claimed a total of $227,117, or between $12,618 and $32,445 per claimant.
The affirmed sexes of the claimants and the precise nature of services are also not known. Thus it is not possible to assess the accuracy of the projected dollar amounts for services. Similarly, it is not possible to say whether any individual claimant reached the maximum dollar limit on services.
 Lifetime cap on services of $50,000 in this period, claims totaled just over $150,000, the minimum number of claimants is 4.
 Lifetime cap on services increased to $75,000. If no one from previous years has claims, then minimum number of new claimants would be 3 for this year. However, we might assume that some or all of the 4 from previous years returned to access benefits under the new lifetime cap. The total number of possible claimants for the entire period 2001-2005 is 5 ($339,000 /$75,000 = 4.52). Thus the minimum possible number of new claimants this year is 1 (total five minus the four counted above).
 Lifetime cap on services is $75,000, a minimum of 5 people account for costs in the previous years but have not necessarily reached their cap ($375,000 - $339,000 = $36,000). The additional claims costs in this year mean that at least one more person had to have accessed services.
 This is the figure actually reported by the SF HRC.
 1.2 claimants per year / 37,000 employees x 1,000 = 0.0324 minimum; 4.8 claimants per year/ 25,000 employees x 1,000 = 0.192 maximum.
 We have calculated based on the three-year period when the surcharge rate was uniform and the benefit available to just one plan. However, for the subsequent two years, the benefit was available to all employees, retirees and dependents in all plans. The 70,261 figure does not represent all retirees, employees, and dependents of the City, just those enrolled in the City's self-insured plan. There were certainly other retirees, employees and dependents enrolled in other plans.
 1.2 claimants per year / 100,000 enrollees x1,000 = 0.012 minimum; 4.8 claimants per year / 70,260 enrollees x 1,000 = 0.0683 maximum. Note that 1.2 claimants per year / 70,260 enrollees x1,000 = 0.0171.
 Assuming as many as 24 separate individuals filed claims in the 5 years.
 Assuming only 6 individuals filed claims over the 5 years. It is likely that higher number filed claims.