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2020 Broker Bonus Program

Public Sector Business

Earn even more with our updated bonus program!

We’ve updated our 2020 bonus program for our fully insured public sector group business: all new business sold between July 1, 2020 and December 31, 2020 will receive double the case count and double the premium credit towards full year bonus program goals! We’ll count each case sold during this period twice when calculating the bonus.

Plus — even if a broker hits the program maximum of $100,000, they can earn an additional $50,000 on new premium written between July 1, 2020 and December 31, 2020 (with effective dates from July 1 through the end of 2020).

These bonuses are in addition to our standard commission schedule.

What sales are eligible for the Public Sector Group Business bonuses?

The bonuses reward brokers for new sales and persistency with public sector groups. Public sector groups include:

  • Education: K-12 public school systems, boards of education
  • Government: Townships, municipalities, cities, counties

Brokers must maintain at least $5,000,000 in annual premiums from fully insured public sector groups to qualify. Fully insured public sector groups with Delta Dental PPO™ and Delta Dental PPO Plus Premier™ - type plans in New Jersey or Connecticut are eligible.

How is the Public Sector Business new sales bonus determined?

The new sales bonus is based on either:

  • The number of new fully insured public sector groups sold within the calendar year (January 1-December 31, 2020); or
  • The total amount of new fully insured public sector premium in the calendar year (January 1-December 31, 2020).

Fully Insured Public Sector Group New Sales Bonus: Broker

New Sales Bonus Level New Cases New Premium New Sales Bonus
Level 11 0 $0 -
Level 2 5 OR $150,000 - $499,999 2.00%
Level 3 10 $500,000 or more 3.00%

Sales must be new, meaning the group does not already offer a Delta Dental plan in New Jersey or Connecticut. Sales are counted based on the effective date of the policy, starting January 1, 2020. Broker of Record transfers during the period of the Revised Broker Bonus program will not be included for bonus calculation purposes. Only new contracts sold will be included in the calculation of the number of contracts eligible for the bonus payments.

How is the Public Sector Group persistency bonus determined?

The persistency bonus is for retaining existing fully insured public sector business. Persistency is defined as:

  • Groups that were active on December 31, 2019 and remained active on December 31, 2020; and
  • Premium was maintained from December 31, 2019 through December 31, 2020. (Persistency is calculated based on the amount of earned premium at the start of the year, not on any premium changes made during the year.)

“Delta Dental” refers to Delta Dental of New Jersey, Inc., Delta Dental of Connecticut, and affiliated companies. These companies are members, or affiliates of members, of the Delta Dental Plans Association.

Fully Insured Public Sector Group Persistency Bonus: Broker

Persistency Bonus Level Persistency 94% - 95.9% Persistency 96% - 97.9% Persistency 98% - 99.9% Persistency 100% 
Level 1 Bonus 0.10% 0.25% 0.5% 0.75%
Level 2 Bonus 0.25% 0.50% 0.75%  -
Level 3 Bonus 0.50% 0.75% 1.00%  -


Total broker bonus payout (for New Sales and Persistency combined) is up to $150,000 for 2020 ($100,000 yearly maximum plus $50,000 for new premium written between July 1, 2020 and December 31, 2020).


What else should brokers know?

  • This program is for brokers only (not General Agents).
  • Bonuses will be calculated after the close of the calendar year, which ends December 31, 2020.
  • Premium can be aggregated between states, and/or between associated broker agencies wholly owned by a single entity. Aggregate preferences for an entity are binding once confirmed.
  • Brokers must be in good standing and the broker of record on December 31, 2020 to receive bonuses.
  • Brokers who sell group commercial business may also participate in Delta Dental’s Group Commercial Business Bonus Program. These programs operate under separate rules and limitations. 
  • Delta Dental may terminate this program at any time. Our determination of coverage and bonus level is final.
  • If a group has a commission split, premium will be applied to bonus calculations using the split percentage between paid brokers.
  • If a group has a paid and a non-paid broker of record, the paid broker will have 100% of premium applied to bonus calculations, the non-paid broker/consultant will have 0% premium applied.
  • If a group has a non-paid broker/consultant only, the non-paid consultant will have 100% of premium applied to bonus calculations.

Sample Bonus Calculations:

Based on maintained annual premium prequalification

Fully Insured Public Sector New Sales Bonus: Broker Fully Insured Public Sector Persistency Bonus: Broker
New Policies Sold 5 New Sales Reached Sales Bonus Level 1
New Annual Premium $45,623.55 Annual Premium $5,452,836.24
New Sales Bonus Level 1 2.00% bonus Persistency Rate 94.78% 0.10% bonus
Bonus Paid $912.47 Bonus Paid $5,452.84



Fully Insured Public Sector Commercial Sales Bonus: Broker
New Policies Sold 2
New Annual Premium $265,246.08
New Sales Bonus Level 1 0.20% bonus
Bonus Paid   $5,304.92

Thank you for your partnership with Delta Dental. For more information about our plans and this program, contact your Delta Dental account executive, or our Sales Department:; 800-624-2633.  

1 Level 1 New Sales Bonus Level offers no sales bonus but is used for determining the Persistency Bonus.