# Reliance Standard Life Insurance Company — Medical Loss Ratio & rebates (North Carolina, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Reliance Standard Life Insurance Company (parent group: Tokio Marine Holdings Inc GRP, as reported) in North Carolina, 2024 MLR reporting year, by market: large group 77.9%. Owed $13,498 in rebates. RECORDED CMS-published MLR / standard / premium / rebate; rebate-as-%-of-premium is DERIVED. A spending ratio across the whole book in a market — not plan quality or advice. CC0.

Claims (warrant · source), each re-fetchable to verify:

- **Reliance Standard Life Insurance Company spent 77.9% of large group premiums on care in NC (2024) → $13,498 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **What a Medical Loss Ratio is — and is NOT** — INTERPRETATION · Coverage Atlas L5 boundary (a book-level spending ratio ≠ plan quality) (https://coverage-atlas.ryanjhunter.workers.dev/)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/76994-nc.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Reliance Standard Life Insurance Company (North Carolina, 2024)** (1): Large group — 77.9% — 85% — no — $190,107 — $13,498 — ≈$16 — RECORDED…