How to Create Benefits Eligibility Based on Multiple Participant & Spouse Criteria

Summary:

I need to understand how I can create eligibility criteria based on multiple factors related to participants (employee) and their Spouse to calculate a rate.

Content (required):

Hello Experts! Looking for your expertise!

We have a plan that calculates the employees rate based on the following criteria:

1. The employee's **** (Female or Male)
2. The employee's age (age bands starting at 15 and every 5 years: 15-19, 20-24, etc.)
3. If the employees OR their spouse is a smoker
   1. If the Employee OR Spouse is a smoker, than the smoker rate applies
   2. If neither the Employee OR Spouse is a smoker, than the non-smoker rate applies