Starting at your renewal in 2014, your group will no longer have a rate adjustment factor (RAF). With the elimination of health status rating and other rating factors, all groups will move to the equivalent of a 1.0 RAF. If you had an RAF greater than 1.0, this will benefit your rates. If your company had an RAF lower then 1.0, then you will no longer receive the discount on your rates. In addition to this change, other new factors will impact your renewal rates.