Renewal rates always increase due to the average age of the group, medical inflation and also claims history of the past 12 months. Generally most groups see a rate increase of between 5-12 percent but we have seen some as high as 65% due to large medical claims. If you are seeing a large rate increase it is probably because your group has had some large medical claims during the past year. Some of those medical expenses may have happened in the previous year but only showed up as claims during the past twelve months. That of course would then effect present renewal rates.