DOCUMENT

RFP - Employees Group Long Term Disability Insurance 2006

  • YEAR CREATED: 2006
  • ENTITY TYPE: County
  • TYPE OF DOCUMENT: RFP - Request for Proposals
The document is a request for proposals for employee group long-term disability insurance. The proposal should include a master agreement and provide a clear description of the insurance company's capabilities. The document emphasizes the need for completeness and clarity in the proposal, and repetition of the terms and conditions without additional explanation will not be considered responsive. Confidential information should not be shared without prior written approval. The current coverage, rate and claims history, status of current claims, and census data are provided as exhibits. The rates should be firm from the effective date of the contract to the next anniversary date, and any proposed premium changes should be submitted for approval 90 days prior to the July 1 anniversary date. The plan should become effective no later than July 1, 2006, and may be renegotiated for subsequent years. The minimum plan requirements include an elimination period, benefit per month of disability, maximum benefit period, and pre-existing condition limitations. The successful company must waive all pre-existing condition limitations for initial or previously covered enrollees. Enrollment should be accepted for currently enrolled employees, and new employees should have insurance coverage effective from the first of the month following their date of employment. The coverage requirements include definitions of total disability and successive periods of disability. Premium payments should be made during the waiting period but waived during the benefit period.
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