1. A method for implementing an insurance plan with rules to coordinate an adjudication of a submitted claim corresponding to the plan, the plan including a people model and a benefit model combined by a plurality of policies, the method comprising the steps of: assigning a first predefined inheritance of global attributes to coupled elements of the people model; assigning a second predefined inheritance of global attributes to coupled elements of the benefits model; and assigning a local rule for at least one local attribute, the assignment between a selected people element of the people model and a selected benefit element of the benefits model, the local rule for overriding the corresponding global attributes of the selected elements; wherein resolution of the global attributes with the local attributes for the selected elements provides a rule set for adjudication of the submitted claim.