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Agenda 07/10/2018 Item #16E 307/10/2018 EXECUTIVE SUMMARY Recommendation to approve the purchase of Group Life insurance, Accidental Death insurance, Long Term Disability insurance, Short Term Disability Claims and Family Medical Leave Act Administration Services (Agreement #18-7409) from Reliance Standard/Matrix Absence Management, Inc., for a three-year period effective January 1, 2019, in the estimated annual amount of $670,994. OBJECTIVE: To provide a competitive, best value Group Life and Disability insurance program as part of the County’s comprehensive group insurance package and administer the County’s self -insured Short- Term Disability, Family Medical Leave (FMLA) and Medical Leave of Absence (MLOA) programs. CONSIDERATIONS: The Collier County Board of Commissioners through the Risk Management Division administers a Group Insurance Program for its eligible employees and participating constitutional officer employees. As part of this program, the County provides two times salary life and accidental death insurance and a 40% short and long-term disability benefit. Employees can purchase additional short and long-term disability coverage up to a maximum benefit of 66 2/3% of salary (a 26 2/3% buy-up benefit). The short-term disability benefit is self-funded. All other benefits are fully insured. Employees may also purchase additional voluntary life and accidental death coverage on themselves and their dependents. Due to the nature of disability claims, the life insurance, long term disability insurance and short-term disability administration programs must be integrated and purchased from the carrier chosen. The County currently administers the requirements of the Family Medical Leave Act (FMLA) in-house. The FMLA is a federal law that guarantees certain employees up to 12 workweeks of unpaid leave in any 12-month period for various specified purposes with the right for the employee to return to the same or an equivalent position after returning from FMLA leave. FMLA also requires that employers covered by the law maintain the health benefits of eligible workers just as if they were working. The law requires consistent and close administration with the County’s sick leave bank and disability programs. The law also imposes significant financial penalties if the requirements of the Act are not followed. As Federal and State leave requirements have become more complex, the Risk Management Division, Human Resources and Willis Towers Watson, the County’s benefits brokerage and actuarial firm, believe there is considerable risk in continuing to administer the requirements of these laws internally. Therefore, in conjunction with the marketing of the group insurance programs noted above, terms were obtained from the disability insurers to administer FMLA ensuring compliance with state and federal regulations; reducing the risk of violations of law; securing protected health information; and ensuring that leave requests are valid. The current Group Life and Disability program is underwritten by Aetna and expires on December 31, 2018. In anticipation of this expiration, Willis Towers Watson marketed the program and received proposals from nine carriers including the incumbent, Aetna. After reviewing the terms and pricing of each proposal received, the list was narrowed to three carriers that provided the most competitive financial terms. Aetna was eliminated from the group due to a pricing increase of 50%, making them uncompetitive. All three carriers guaranteed rates for three years. The table below shows the price terms quoted. Carrier Total Annual Cost Cost Difference from Lowest Proposal 16.E.3 Packet Pg. 1990 07/10/2018 The Standard $664,506 NA Reliance Standard $670,994 $6,488 Voya $681,506 $17,000 Staff completed a due diligence review of the three carriers to assess their ability to manage and integrate the Short-Term Disability and FMLA administration portions with the County’s practices and procedures. Although there was a marginal $3,738 annual difference in cost between Reliance Standard Life Insurance Company and the lowest carrier (The Standard), staff unanimously recommended Reliance Standard Life due to their proven service record and experience with the carrier. The absence and disability management services quoted by Reliance Standard Life Insurance Company will be administered and managed by its sister company Matrix Absence Management, Inc., as set forth in the attached Agreement. The program will commence effective January 1, 2019. FISCAL IMPACT: The total estimated annual cost of the Group Life, Disability insurance program, FMLA and MLOA Administration is $670,994 based upon current reportable payroll. The estimated additional annual cost to the Board is $118,986, which represents a rate increase due to experience of $67,535 and costs for FMLA and MLOA services of $51,451. There are sufficient funds available in Fund 517, Group Health and Life, for this purchase. GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this item. LEGAL CONSIDERATIONS: This item is approved as to form and legality, and requires majority vote for Board approval. -SRT RECOMMENDATION: To approve the purchase of Group Life insurance, Long Term Disability insurance, Short Term Disability Administration Services, and Accidental Death Insurance and FMLA and MLOA Administration from Reliance Standard/Matrix Absence Management, Inc., as outlined in the executive summary, and authorize the Chairman to execute the attached agreement. Prepared by: Jeff Walker, Director, Risk Management ATTACHMENT(S) 1. CCG RFP Cover and Instructions (PDF) 2. Collier County GovernmentSTD-FMLA-ADAAA Proposal (PDF) 3. 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (PDF) 4. Agreement #18-7409 CAO approved. rev (PDF) 16.E.3 Packet Pg. 1991 07/10/2018 COLLIER COUNTY Board of County Commissioners Item Number: 16.E.3 Doc ID: 5888 Item Summary: Recommendation to approve the purchase of Group Life insurance, Accidental Death insurance, Long Term Disability insurance, Short Term Disability Claims and Family Medical Leave Act Administration Services (Agreement #18-7409) from Reliance Standard/Matrix Absence Management, Inc., for a three-year period effective January 1, 2019, in the estimated annual amount of $670,994. Meeting Date: 07/10/2018 Prepared by: Title: Benefits Analyst – Risk Management Name: Sonja Sweet 06/22/2018 8:42 AM Submitted by: Title: Division Director - Risk Management – Risk Management Name: Jeff Walker 06/22/2018 8:42 AM Approved By: Review: Risk Management Jeff Walker Additional Reviewer Completed 06/22/2018 8:51 AM Procurement Services Ted Coyman Additional Reviewer Completed 06/22/2018 9:38 AM Procurement Services Sandra Herrera Additional Reviewer Completed 06/22/2018 2:03 PM Procurement Services Sandra Herrera Level 1 Purchasing Gatekeeper Completed 06/22/2018 2:03 PM Administrative Services Department Michael Cox Level 1 Division Reviewer Completed 06/22/2018 2:50 PM Administrative Services Department Len Price Level 2 Division Administrator Review Completed 06/25/2018 11:01 AM County Attorney's Office Scott Teach Level 2 Attorney Review Completed 06/26/2018 8:25 AM Office of Management and Budget Valerie Fleming Level 3 OMB Gatekeeper Review Completed 06/26/2018 1:08 PM Office of Management and Budget Laura Wells Additional Reviewer Completed 06/26/2018 1:13 PM County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Completed 06/28/2018 5:13 PM County Manager's Office Nick Casalanguida Level 4 County Manager Review Completed 07/02/2018 2:11 PM Board of County Commissioners MaryJo Brock Meeting Pending 07/10/2018 9:00 AM 16.E.3 Packet Pg. 1992 Collier County Government Request for Proposal Basic Life and AD&D, Supplemental Life and AD&D , Short Term Disability, Long Term Disability and FML Administration March 2018 16.E.3.a Packet Pg. 1993 Attachment: CCG RFP Cover and Instructions (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA Administration) Collier County Government 1 Request for Proposal March 2018 Willis Towers Watson Confidential Table of Contents Section 1 : Introduction ......................................................................................................................... 1 Section 2 : General Information ............................................................................................................ 3 Section 3 : Requirements....................................................................................................................... 3 Section 1: Introduction Willis Towers Watson, acting on behalf of our client, the Collier County Government, is requesting a proposal for Basic Life, AD&D, Supplemental Life and AD&D, Administrative Services Only (ASO) Short Term Disability, Long Term Disability Insurance and Family Medical Leave Administration to be effective January 1, 2019. We have included all of the pertinent group demographics and financial data that have been made available at this time. Your proposal must conform to the conditions set forth in this RFP. Any deviations from the requested information should be clearly explained and noted on the questionnaire included with this RFP. Questions Any questions concerning the content of these requirements must be presented to the following Willis Towers Watson team members in writing via email by 4:00 p.m. on March 29, 2018. Any additional information or clarifications that are provided to one respondent will be provided to all respondents . Lisa Whiteman Senior Placement Specialist Willis Towers Watson 262 780 3920 lisa.Whiteman@WillisTowersWatson.com Additional Contacts Douglas Ley Senior Vice President/Director 262 780 3340 Douglas.ley@willistowerswatson.com Jill Goehrig 262 780 3284 Jill.goehrig@willistowerswatson.com Please note that the client is not to be contacted under any circumstances. Any contact with employees or elected officials concerning this RFP will result in your response being disqualified. 16.E.3.a Packet Pg. 1994 Attachment: CCG RFP Cover and Instructions (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA Administration) Collier County Government 2 Request for Proposal March 2018 Willis Towers Watson Confidential Bid Schedule The dates set forth below are for informational purposes only. All dates are tentative and subject to change. Activity Date Issue RFP March 22, 2018 Questions March 29, 2018 Responses Due April 9, 2018 Finalist Interviews April 26 or 27, 2018 Program implemented January 1, 2019 Proposal Format Your proposal must include the following by the stated due date:  Electronic (e-mail) copy of the following:  Proposed Rates/Benefit Offering – your quote  Questionnaire These will be interpreted as your company’s proposal. Therefore, it is important that any exceptions, deviations, etc. are noted on these forms. All information contained in this Request for Proposal is confidential and proprietary. This information must be used solely for the purpose of responding to Willis Towers Watson’ Request for Proposal. As noted, all proposals are due in the office of Willis Towers Watson by 4:30 p.m. CT on April 9, 2018. The proposal is binding during the 180 day period following the due date. A proposal may not be withdrawn or changed during this period without written agreement from Willis Towers Watson. Submit your proposal to Willis Towers Watson via electronic format : Lisa Whiteman Senior Placement Specialist Willis Towers Watson 262-780-3920 lisa.Whiteman@WillisTowersWatson.com Thank you for considering this request. 16.E.3.a Packet Pg. 1995 Attachment: CCG RFP Cover and Instructions (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA Administration) Collier County Government 3 Request for Proposal March 2018 Willis Towers Watson Confidential Section 2: General Information Profile Collier County is located on southwest Florida’s Paradise Coast, on the Gulf of Mexico. The county, including the communities of Naples, Marco Island, Everglades City and Immokalee, is famous for its pristine beaches, magnificent sunsets, parks, art galleries, theaters, museums, universities and an abundance of championship golf courses. Collier County is the western gateway to the world famous Everglades. The Everglades and Big Cypress National Parks cover two thirds of the county’s total land mass and are a nature lover’s paradise. One of the largest geographical counties east of the Mississippi River, the county encompasses more than 2,000 square miles. The Collier County Board of County Commissioners, comprised of five members elected in the five different districts of the county, serves as the governing body. The Board of County Commissioners sets policy and appoints a county manager to carry out policy and oversee the county’s day-to-day operations. Vision To be the best community in America to live, work and play. Mission To deliver high quality, best-value, public services, programs, and facilities to meet the needs of our residents, visitors, and businesses today and tomorrow. Motto Exceeding expectations, every day! Location 3299 Tamiami Trail East, Naples, FL Website http://www.colliergov.net Type Public Company Size 1,001-5,000 employees Carrier Background The Basic Life and AD&D, Supplemental Life and AD&D, ASO STD and LTD programs have been with Aetna since 1/1/2016. The FMLA is currently administered in-house, but the CCG is extremely interested in evaluating the cost and benefits of outsourcing this responsibility. Section 3: Requirements Your proposal should assume the following requirements:  Included with this RFP is a copy of the certificates applicable to the coverage in force with Aetna. It is a requirement of this RFP that there be no less generous provisions in your coverage. Please confirm you agree to meet, at a minimum, the current policy terms and provisions. If you believe any of your policy terms or provisions are more generous, please clearly outline those provisions and why you believe they are superior to what is in place with Aetna today. 16.E.3.a Packet Pg. 1996 Attachment: CCG RFP Cover and Instructions (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA Administration) Collier County Government 4 Request for Proposal March 2018 Willis Towers Watson Confidential  January 1, 2019 effective date. Note, if the CCG elects to outsource FML, it may occur at a date other than January 1, 2019.  Dedicated account management team. The ability to provide an onsite resource will be viewed extremely favourably, especially if FML administration is included.  It is preferred that all lines of coverage outlined in this RFP will be awarded to one carrier, including the FMLA, if possible.  Proposal must match the current benefits, including the Basic Life and AD&D offered to Retirees and the specific benefits offered to the County Manager and County Attorney.  Quoted rates are to be guaranteed for at least three years through 12/31/2021. Carriers may offer a guarantee extending beyond three years as an option. Extensions beyond three years will be viewed favourably.  Quoted rates must be final regardless of actual plan enrollment. This means that we expect you to waive all minimum participation levels, fluctuation levels, etc. for the duration of the rate guarantee period.  Evidence of Insurability will not be required for in-force life amounts for supplemental or dependent coverage, including those that are pending with the incumbent carrier. Provide confirmation.  All basic rates will be non-contributory, fully insured premium rates.  All supplemental and dependent life rates will be 100% contributory.  Proposals should be net of commissions for Basic Life and AD&D, ASO STD, LTD and FMLA. Proposal should include 20% commission for Voluntary Life and AD&D and 10% commission for Buy-Up LTD. Include language confirming that rates will not be reduced if commissions are not included.  Proposal should include a 3 year contract term with a 30 day “without cause” termination clause, with the option to extend this contract after the 3 year term is exhausted.  Agree to provide an annual executive review of the utilization and performance of the program. Additional Considerations Please address the following in your proposal and questionnaire.  Employees are required to use all PTO prior to the onset of STD. This is an issue with their current STD carrier. Address how you would ensure an employee has exhausted their PTO prior to the onset of STD.  Are you willing to offer performance guarantees with fees at risk?  Are you willing to offer any implementation credits?  With regard to the STD, please provide an advice to pay option in addition to the current ASO arrangement, where Aetna cuts the check. 16.E.3.a Packet Pg. 1997 Attachment: CCG RFP Cover and Instructions (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA Administration) Short Term Disability, FMLA Management, Leave of Absence Services Administration with ADA Advantage P roposal Prepared for Collier County Government Presented by Willis of Wisconsin April 18, 2016 “A+” rated, providing flexible, affordable benefits solutions for over a century. www.reliancestandard.com www.matrixcos.com www.adaadvantage.com 16.E.3.b Packet Pg. 1998 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential ASO STD/FMLA/ADA Proposal Broker: Willis of Wisconsin Page 2 Contents Executive Summary ....................................................................... 3 Summary of Proposed Services .................................................... 5 Cost Summary ............................................................................. 10 Terms and Conditions .................................................................. 12 About Reliance Standard ............................................................. 15 Proposal Date: 04/18/2018 Proposal Effective Date: 01/01/2019 Proposal Expiration Date: 07/18/2018 Sales Representative Nick McCalmont Reliance Standard Life Insurance Company Wisconsin & Minnesota Regional Sales Office Direct: 414-831-5416 Email: Nicholas.McCalmont@rsli.com 16.E.3.b Packet Pg. 1999 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 2 Executive Summary This proposal has been developed to specifically address the needs of Collier County Government. Reliance Standard Life Insurance Company and Matrix Absence Management have been developing and implementing customized Integrated Disability programs since 1995, and employers have found that these programs are more than a product. Properly designed and implemented they also serve as a business strategy. Our goal is to act as a true business partner to your company, effectively executing this strategy. Absence Solutions® is the integrated employee benefits platform created by and marketed exclusively by the sister companies Reliance Standard Life Insurance Company (Reliance Standard) and, Matrix Absence Management (Matrix). Absence Solutions® integrates non-occupational disabilities and employer-sponsored leave programs with comprehensive leave management, clinical case management and administrative reporting. Our focus on absence and productivity makes us the industry leader in helping companies manage all types of leaves and quantify their return on investment. A unique hallmark to our program is our client-centric approach to Collier County Government’s culture, employee population and benefit program objectives. As one of the largest absence management vendors, with over a decade of experience, we have the skill and the scale to be a strategic partner to Collier County Government. Through Absence Solutions®, we provide a fully integrated approach to managing Collier County Government’s program in a single claim management environment. From intake to financial reporting, all components of the process are owned and operated by us. With Absence Solutions®, we will provide Collier County Government with:  Simplified process for both you and your employees.  Complete “end to end” ownership of integrated productivity management.  Technical strength in the outsourcing and administration of complex FMLA, disability, and all other leave management including day one absence.  Integrated co-located team of claim and clinical resources dedicated to servicing the Collier County Government account.  Web-based technology platform and comprehensive information-reporting database. One Solution from First Call to Return to Work Employees don’t think of their absences in terms of where they fit – disability or another type of leave. Regardless of the reason for a leave, employees simply call our toll-free absence reporting number and identify their employer. Our intake specialists gather the needed information to determine the type of claim(s), set expectations on next steps and start the claim process. We work from a fully customized intake script based on the Collier County Government program, and we start the return-to-work process on day one. Technical Strength and Expertise You can expect expertise in custom program implementation, integrated service delivery, and technology tools that provide easy access to all your program data. Our experience and focus on improving productivity will help Collier County Government achieve your vision. From intake to financial reporting, all components of the process are owned and operated by us. Dedicated Co-Located Team A dedicated team of claim and clinical management professionals will manage your leave management program. Our teams are all located in the same office and work together to manage client-specific programs. Our results have demonstrated that a team located together ensures a consistent approach across all plans by applying the employer’s culture in all aspects of the claim management process. 16.E.3.b Packet Pg. 2000 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 3 Clients using Matrix for ASO STD and FMLA management are staffed by our Absent Management Specialist (AMS) team model. AMS strategies integrate LOA administration and STD claim management into a single managed employee leave event. The AMS model is led by the AMS Claims Examiner (AMS CE), a single individual claim professional responsible for the concurrent management of STD/FMLA claims. The AMS CE is cross-trained in products, policies, systems, regulations and procedures. This single point of contact drives fully integrated claim and leave management decisions with coordinated communications to meet employer needs. Because of the value of this approach, we have begun the process of transitioning our existing clients onto the AMS Model. The AMS model:  Has a single AMS Examiner managing both the FML and STD leave events  Provides integrated leave claim decisions and coordinated communications  Exceeds marketplace expectations for single point of contact at claim level  Minimizes confusion for the employee during a difficult time in his or her life  Provides employers with a single designated team familiar with your culture, operations and internal structure  Promotes our core Best Practices and is the standard claim team structure for all clients Comprehensive Reporting Platform Our flexible web-based technology platform provides comprehensive information-reporting capabilities. eServices, our proprietary e-business platform, will be your “single-source” system that provides electronic access to claim files, robust data mining and real-time reporting. We have broad experience in linking our data to payroll and HRIS systems and in working with data integration vendors. We appreciate the opportunity to provide our leave management services to Collier County Government. As you review the details of our proposal, please feel free to ask for clarifications or alternatives. This type of program can be complex and our aim is to partner with you in making an informed decision. Sincerely, Nick McCalmont Regional Sales Manager Wisconsin & Minnesota RSO 414-831-5416 16.E.3.b Packet Pg. 2001 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 4 Summary of Proposed Services Event Reporting We don’t process absence claims – we manage them, just as we would an injury or illness. As an Absence Solutions® customer, your employees can choose either telephonic reporting or our web-based claim-filing tool, eFiling. Both intake options will be customized to meet the needs of Collier County Government. It is through this type of collaborative partnership that our intake specialists can identify an employee in a “teachable moment” and direct them to the appropriate resources provided by Collier County Government, even if the health risk is not the specific reason for the employee’s leave. During claim intake, the customized questions and reminders on the intake statement can solicit information that would assist in the identification of potential referrals and include information related to the specific program applicable to the employee’s situation. Additional benefits of our intake services include:  All events reported through a single process  All reporting is to an Absence Solutions® employee – it is never subcontracted  All intake calls are recorded and kept for one year  Employees calling during peak call volume times have the option of requesting a priority callback  Translation services available for over 150 languages Finally, we believe so strongly in our process and our ability to have a positive impact on employee durations, we make our telephonic and web-based filing options available 24 hours a day, 7 days a week, for all of our customers. Customized Leave Packets and Next Steps We see our services as an extension of your human resources department. Our goal is to relieve your staff of the burden of the administrative tasks related to employee leaves. One way we accomplish this goal is to customize the leave packet to meet the unique employee benefit goals and objectives of Collier County Government. Our standard procedure is to be in contact with the employer, the employee and the provider, during the first business day of a reported absence.  At event reporting, the employee provides a summary of the incident  The employees customized leave packet is sent within 24 hours.  A client checklist which outlines the employee’s roles and responsibilities is included in the packet, along with a medical certification form and expected time line.  Each packet is customized to include any other forms, documents, and letters required by Collier County Government. Triage Immediately upon completion of the intake interview, all claims are subject to our automated duration review process. Using industry guidelines and standards based on diagnostic information and expected duration; claims are reviewed and assigned to resources based on complexity. In addition, we can use Collier County Government- specific criteria to determine which additional cases go to your dedicated in-house nurse case manager. Clinical Case Management – Medical Director Model An automated duration review system completes initial screening of cases. However, your claim examiners and dedicated nurse case manager evaluate all claims that are flagged as complex or that meet a predetermined criteria 16.E.3.b Packet Pg. 2002 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 5 so we can establish a plan of action. Our medical directors are specialists in their respective fields and work with our nurse case managers to review and manage all complex claims. We use best practice escalation criteria to determine additional claims that should be referred to the nurse case manager and/or medical directors based on claim facts. Our claim staff can also make referrals based on their own knowledge of the employee and the facts surrounding the disability event. In addition, your dedicated nurse case manager will:  Manage clinical aspect of complex cases  Management based on primary and secondary diagnosis  Referral to Health and Wellness Programs  Coordinate with Health and Workers’ Compensation Clinical Managers  Work with the medical provider, employee and employer to effect the earliest return-to work  Negotiate with treating physician to determine diagnosis and develop a return-to-work strategy  Utilize absence duration industry standard references  Engage specialty resources  Medical director  Field nurse case management  Behavioral health consultants  Network of specialty physician advisors  IME / FCE / Peer Review This is NOT a Tracking System Just as our name suggests, what we offer is a comprehensive Absence Solution. Our processes allow us to identify patterns of utilization, which are outside the prescribed certification times. No leave will be approved without a certification that supports the time off. All intermittent leaves are reviewed every 60 days to analyze day of the week and other patterns that could go undetected. Your dedicated claim examiner will personally intervene to encourage your employees to schedule appointments outside of working hours and make a timely return-to-work. Our claim technology has the ability to identify potential abuse of FMLA leave. We also will report quantitative and qualitative impact of the program to you on at least an annual basis. Absence Solutions® by Matrix also provides compliance in all 50 states. An increasing number of states have enacted legislation that;  Changes the employee threshold to as few as 10 employees.  Expands the definition of ‘Family’.  Defines varying rules for parental vs. non-parental leaves.  Grants leave to victims of Domestic Violence or similar crimes. Do you have employees in more than one state? Do you know the laws in all of the states where you have employees? Matrix also has the ability to, at your option, manage other leave types outside of Federal and State leave management including, but not limited to;  Jury Duty  Military Leave  Bereavement Leave  Personal Leave  Medical Leave  Accommodation Leave 16.E.3.b Packet Pg. 2003 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 6 FMLA/LOA – Team Integration Perhaps the single greatest asset we bring to Collier County Government is over a decade of expertise in consultative leave management, and a customized platform without fragmentation or the need for multiple vendor partners. We can seamlessly integrate all types of leave (State, Federal, Company Policies, Military Leave, Bereavement, and Jury Duty). With the Absence Solutions® program we are proposing, Collier County Government will realize significant benefits:  Eligibility determined according to the applicable Federal/State/Company Policies both initially and ongoing.  Systemic application according to hard-coded legislative information encompassing Federal and State FMLA statutes, along with client-specific leave policies to ensure the correct application of entitlement.  Proactively secure medical certification.  Customized communications  Eligibility information sent within 5 business days  Outlines all information required by the Department of Labor  Email notification sent to Collier County Government’s “recipient listing”. Communications are coordinated throughout the life of the claim to ensure that both the employee and employer are aware of claim status, pertinent dates and information.  A tried and tested focus on Intermittent Leave Management that is enforced equitably across your organization. ADA Advantage™ ADA Advantage™ offers employers a suite of services to reduce the administrative burden associated with ADA. The ADA Advantage™ program provides tools to communicate your ADA program to your employees, as well as assist with “leave” as an accommodation. Additionally, we can manage the employee request for accommodations, the interactive process and the follow-up on the success of the accommodation. The employer will always maintain the decision regarding the choice to accommodate a qualified individual with a disability and the choice of the accommodation. The employer determines which option to put into effect and for how long. Matrix will track, monitor, obtain additional information as directed and follow up on the success of the accommodation during the course of the accommodation event. A fully supported ADA strategy, ADA Advantage™ provides support of key activities for ALL accommodations, including:  Proactive identification of potential accommodation needs prior to the exhaustion of entitlement with medical provider(s)  Validation of medical information including nature, duration, restrictions and health providers suggested alternatives  Compilation of all information to employer for employer determination of reasonable accommodation  When employer agrees to accommodate, Matrix will support the communication process  Obtaining medical information  Facilitating interactive employee and employer discussions  Assuming responsibility for employee communication throughout the entire process  Where appropriate and directed, supporting the ongoing information gathering such and specialty exams and ergonomic evaluations  Ongoing medical management, with a full return to work focus  Tracking of all accommodated leaves and follow up on effectiveness This service delivery model leverages a secure software platform accessed jointly by both Matrix and Collier County Government administrators for streamlined data collection, communication, tracking, reporting and follow up. Tasks required for effective management will be documented and tracked inside the system for full audit capabilities. Collier County Government has the following responsibilities: 16.E.3.b Packet Pg. 2004 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 7  Complete a brief questionnaire/intake form to initiate the non leave related request  Confirm the job description  Join in the interactive discussions  Approve/reject the accommodation. For regulatory purposes the employer retains the decision to accept/reject the requested accommodations. The interactive process is managed internally at Matrix by an ADA Specialist. ADA Specialists are expected to act independently to develop solutions to complex problems regarding accommodations, analyzing data and take into consideration key factors such as, labor contracts, local practices, federal and state statutes and business needs. Their daily responsibilities include:  Engaging with employees, supervisors, and HR Business Partners to assist employees with disabilities who require workplace accommodations that enable them to perform their jobs by providing reasonable accommodations.  Documenting the employee’s request for accommodation and facilitating in the interactive process between the employee and his/her employer.  Gathering relevant facts from multiple sources including medical data, as requested.  Engaging with medical vendor(s) to clarify and validate the request for accommodation.  Maintaining accurate, detailed documentation.  Staying current on both State and Federal laws and regulations surrounding the ADAAA and other relevant legislation. eServices Included in our proposal for Collier County Government is access to our eServices suite of applications, which includes:  eFiling – An alternative to telephonic reporting, eFiling allows an employee to report his or her absence online.  eClaims – An employer application that provides information on all aspects of an individual claim, including payments, notes, certification history and claim status.  eAccounts – An employee application, used to give employees information about their open claims  eReports – An employer application that allows self-service access to a range of standard and ad-hoc reporting across the entire Collier County Government program.  eReports designer – Includes a sub-application which permits the user to design, generate and save customized ad-hoc reports using any data elements captured within eReports.  Also included in our eServices applications is the new Absence Radar, which is a set of tools that will help you manage employee absence. This tool includes:  Status Notifications- One consolidated email for all your employees absences that will keep you up- to-date. These emails inform you of any new or updated information about absences on your team.  Absence Radar Calendar- This calendar tool provides a detailed, interactive view of employee absences over a12-month period, allowing you to review previous absences and plan around future ones. The information on your calendar will be customized for your role and responsibilities within your company. This web-deployed suite of applications offers enriched communications, real-time claim activity, and on-demand program analysis and information transfer. Put simply, Collier County Government will be armed with the data necessary to make informed decisions about necessary adjustments to your plans as well as information on current trends. 16.E.3.b Packet Pg. 2005 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 8 Return to Work Management The Absence Solutions® proactive approach continues throughout the life of the claim, up to and including the return to work process. Our return to work services include;  A call to your employee five days prior to their scheduled return to work.  A reminder of any Collier County Government-specific RTW policies such as:  Required RTW note from attending physician  Mandatory drug testing requirement  Reminder to check in with Collier County Government designated personnel  Return to work status notification to Collier County Government confirming actual return-to-work date  On the scheduled return to work date we will contact the employee and/or supervisor to confirm employee has resumed his/her work assignment. Employer and Employee Satisfaction Consistently meeting our own high standards and yours is key to our success. Customer satisfaction surveys are sent to your employees after intake and at the close of every claim. Results will be specific to Collier County Government and will be delivered by your assigned account manager, who will assist you in interpreting these results and identifying areas of improvement. Matrix company-wide scores have never fallen below 95% customer satisfaction. Account Management A dedicated account manager will serve as your single point of contact and assumes total responsibility for the implementation and ongoing management of your account with us. The account manger works closely with your dedicated team of claim and clinical resources. 16.E.3.b Packet Pg. 2006 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Cost Summary Prepared For – Collier County Government Date: 04/18/2018 Proposal Expiration Date: 07/18/2018 Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 9 Eligibility STD – We intend to match the in-force definition of eligibility. FMLA - All employees meeting the eligibility requirements of The Family Medical Leave Act of 1993 and its amendments. ADA Advantage - All employees meeting the eligibility requirements of the Americans with Disabilities Act Amendments Act (ADAAA). Plan Descriptions Benefit Percentage: Match Current Weekly Maximum: Match Current Benefit Duration: Match Current Accident Benefits Begin: Match Current Sickness Benefits Begin: Match Current Partial Disability: Yes FMLA Benefits: Set by Federal and State Law Rate Guarantee: 3 Years Cost Summary Service Assumed Number of Covered Lives Rate Per Employee Per Month Estimated Fee per Quarter Estimated Annual Fee Short Term Disability* 2,232 $1.72 $11,517.12 $46,068.48  Check Cutting Additional 0.10 PEPM FMLA (State/Federal)* 2,232 $1.75 $11,718.00 $46,872.00 ADA Advantage™* 2,232 $0.88 $5,892.48 $23,569.92 Please note – If the ADA incidence exceeds 2% an additional fee of $275 per event will apply for events in excess of the 2% incidence cap. One-time implementation fee (applicable only to FMLA offering & ADA Advantage if selected) $5,000.00 (+3,500.00 if ADA Advantage selected) 16.E.3.b Packet Pg. 2007 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Terms and Conditions Prepared For – Collier County Government Date: 04/18/2018 Proposal Expiration Date: 07/18/2018 Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 10 Terms and Conditions  If at any time during the life of the agreement, the FMLA/LOA incidence rate for Collier County Government exceeds 10% Reliance Standard/Matrix reserves the right to review, and if necessary, revise the pricing reflected above. Additionally, if ADA Advantage incidence rate exceeds 2% there will be a $275 per claim charge.  Please Note - Matrix facilitates all actions but final decision making authority at all times rests with the employer.  Administration fees are inclusive of all standard services as outlined above.  Non-standard expenses are outlined below.  Run-out Services are not included as part of this proposal.  Invoicing is based on eligible headcount as reported from client supplied data eligibility feeds Value Added Services & Expenses Additional LOA Tracking Jury Duty – priced separately Military Leave – priced separately Bereavement Leave – priced separately Personal Leave – priced separately Premium Billing Services Priced separately Take over of existing STD Claims $265 per claim Take over of existing FMLA Claims $165 per claim STD Appeal $370 per appeal Banking Services $2,750 annually Payroll Services (if Matrix issues checks) $2,750 annually Custom Billing $40 per invoice Benefit Deduction Service (if Matrix issues checks) Post tax only – included with Payroll Services 16.E.3.b Packet Pg. 2008 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Terms and Conditions Prepared For – Collier County Government Date: 04/18/2018 Proposal Expiration Date: 07/18/2018 Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 11 eServices Access Up to 25 users included. Additional users available in blocks of 10 users at $2,500 per block. Data Feeds - Including but not limited to: Custom Payroll Feeds & “Reverse Feeds” $200/hour plus $200 per exception Changes to Data Feeds - $5,000 Ad Hoc Reporting Services (Customized Programming and Reporting);  An Ad Hoc report-writing tool is provided to all our clients free of charge, this gives access to all major data elements and allows users to generate their own reports.  Reports that require complex logic, scheduling, distribution or data encryption are chargeable at our hourly rate and will be custom developed after sign off by the client on a report specification. This specification will be produced by Matrix / Reliance Standard in conjunction with client representatives. LOA Data File Transfer Fee File transfer, upon termination. One time transfer in Matrix standard format – No charge. Customization and/or increased frequency – At Cost 16.E.3.b Packet Pg. 2009 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Terms and Conditions Prepared For – Collier County Government Date: 04/18/2018 Proposal Expiration Date: 07/18/2018 Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 12 Term Definitions Takeover Existing STD Claims We can at your option take over and seamlessly continue the management of employees currently receiving STD benefits. We would typically require additional information to ensure no disruption to your employees Takeover Existing FMLA Claims We can at your option take over and seamlessly continue the management of employees currently on leave. We have the ability to take over historical data and usually recommend at least 24 months of data. STD Appeal Matrix will agree to assist the client with denied claims on appeal. This will include one written recommendation to the client based on the information available within the timeframes specified within the ASO agreement. Banking Services Matrix establishes a unique bank account on behalf of the client that does not commingle funds with any other bank accounts. Arrangements for reimbursement of claim monies must be in place whereby Matrix is reimbursed for the claims monies paid out on the client’s behalf. These arrangements are established at the inception of the program, based on the client’s preferred method of reimbursement (ACH Credit or ACH Debit) and frequency of reimbursement (usually Monthly) to adequately fund claim liabilities. Matrix requires a pre-funding amount to cover the maximum expected claim payments issued during your selected reimbursement period. Payroll Services Matrix will ensure the withholding of Federal income taxes, Social Security taxes, and Medicare taxes for disability payments if Matrix is issuing checks on ASO business. The taxes and W2s are handled under Matrix’s FEIN. ACH Credit/ACH Debit With ACH Credit the client funds, or reimburses, the bank account for the amount of claims paid out under the ASO/STD plan through a wire transfer or other Electronic Funds Transfer of the required funds. With ACH Debit, the client grants Matrix permission to fund, or reimburse, the bank account for the amount of claims paid out under the ASO/STD plan by having Matrix draw from a specific designated client-owned account. Benefit Deduction Services A client-selected service which allows employee benefit deductions to be taken from disability benefit checks, with the exception of 401(k) or other pre-tax withholding. Additional LOA Tracking In addition to FMLA administration, we have the ability to track and manage Jury, Bereavement, Military, Personal, and Medical Leaves. We also provide an Advise to Pay with a PTO bank, but do not track PTO or Vacation time as a standard part of our Absence Management Program. 16.E.3.b Packet Pg. 2010 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Terms and Conditions Prepared For – Collier County Government Date: 04/18/2018 Proposal Expiration Date: 07/18/2018 Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 13 Premium Billing Services When an employee is out on FMLA or other unpaid leave, it’s easy to forget the insurance premium that’s due — especially when the employee is used to paying premiums through payroll deduction. We can offer a fully customizable solution to ensure employees maintain the insurance they had while at work. We offer flexibility and streamlined collection of insurance premiums from employees on unpaid leave. You control the content and timing of all letters and notices. How Premium Billing Works: 1. Employee goes out on unpaid leave; 2. Customized communications and payment coupons are sent from Matrix to the employee; 3. Employee makes monthly benefit payment; 4. Matrix reconciles the payment and reports out to the employer; 5. Employers and employees have immediate access to payment information via easy web access; 6. Matrix advises the employer when payments stop, so you can determine continuation of benefits. Non-Standard Data Feed Matrix would consider a standard data feed to be one that is a single-source file feed in our preferred format. A non-standard data feed would be one with multiple sources, outside of our standard format and/or with customized field definitions. 16.E.3.b Packet Pg. 2011 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and About Reliance Standard Confidential Proposal for FMLA Administration with ADA Advantage Broker: Willis of Wisconsin Page 14 Reliance Standard Life Insurance Company was incorporated in 1907 as Central Life Insurance of Illinois. Reliance Standard is domiciled in Illinois, and maintains its administrative offices in Philadelphia. Reliance Standard is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. Our Commitment to Service Excellence Employee benefits consist of three parts - the coverage itself, implementation and on-going customer service. Reliance Standard has invested heavily in people and systems to make it easy to do business with us. We reduce your administration downtime with easy-to-use online billing and enrollment support, backed by a National Service Organization spanning our entire network of sales and service offices. Our service and sales professionals are committed to assisting you in every step; from designing an affordable, customized benefit plan to assure smooth and effortless implementation, to assisting employees with questions and service requirements. A Strong, Diversified Company As a premier insurance carrier, Reliance Standard consistently earns strong financial ratings:  A.M. Best “A+” (Superior)  Standard & Poor’s “A” (Strong) Reliance Standard Life Insurance Company is a member of the Tokio Marine Group. The Tokio Marine Group operates in the property and casualty insurance, reinsurance and life insurance sectors globally. The Group’s main operating subsidiary, Tokio Marine & Nichido Fire (TMNF), was founded in 1879 and is the oldest and leading property and casualty insurer in Japan. Comprehensive Benefits and Services In business for over 100 years, Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance, dental insurance, critical illness and accident insurance. Reliance Standard offers a complete suite of voluntary (employee paid) coverage options and services, as well as fully integrated absence management services. Our products and services are marketed through independent brokers and agents to employers of all sizes. 16.E.3.b Packet Pg. 2012 Attachment: Collier County GovernmentSTD-FMLA-ADAAA Proposal (5888 : Group Life, Accidental Death, Disability Insurance and Claims and Client Contact Name #1 Client Advocate's name Client Contact Title #1 Client Advocate's position/title Client Contact Name #2 Client Manager's name Client Contact Title #2 Client Manager's position/title Employee Benefit Renewal and Marketing Presentation Collier County Government Effective: 01/01/2019 Presentation Date: XX/XX/20XX 16.E.3.c Packet Pg. 2013 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government ANCILLARY BENEFIT/COST ANALYSIS - SUMMARY PAGE Effective: 01/01/2019 Aetna Aetna Aetna Reliance Standard The Standard Voya Current Renewal Negotiated Renewal Option 1 Option 2 Option 3 Monthly Premiums Monthly Premiums Monthly Premiums Monthly Premiums Monthly Premiums Monthly Premiums Life $21,755 $47,955 $32,048 $28,071 $28,305 $30,411 AD&D $5,848 $5,848 $5,848 $5,848 $4,679 $5,848 ASO STD $5,670 $6,188 $5,670 $3,829 $4,897 $4,808 Long Term Disability $12,727 $14,152 $12,749 $13,880 $12,749 $12,749 Total Monthly Premium $46,001 $74,144 $56,315 $51,629 $50,630 $53,816 Total Annual Premium $552,008 $889,730 $675,784 $619,543 $607,564 $645,796 Cost Difference (%)--61.2%22.4%12.2%10.1%17.0% Cost Difference ($)--$337,722 $123,776 $67,535 $55,557 $93,788 Total Cost with FMLA First Year FMLA Cost $0.00 $50,286 $50,286 $51,451 $56,941 $35,710 Total Annual Cost with FMLA $552,008 $940,016 $726,070 $670,994 $664,506 $681,506 Cost Difference (%)--70.3%31.5%21.6%20.4%23.5% Cost Difference ($)--$388,008 $174,062 $118,986 $112,498 $129,498 Performance Guarantees 5% of Fully Insured 2% of Fee Based 5% of the previous quarter's plan administration expenses, excluding commission, premium tax and risk charges 2% of Premium and Fees 1% of Life 2% of LTD (Employer and Employee Paid Premiums) 16.E.3.c Packet Pg. 2014 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government LIFE BENEFIT/COST ANALYSIS Effective: 01/01/2019 Basic Life Aetna Current/Renewal Class Definitions Class 1 County Attorney & County Manager County Attorney & County Manager County Attorney & County Manager County Attorney & County Manager Class 2 Employees not covered in any other class Employees not covered in any other class Employees not covered in any other class Employees not covered in any other class Class 3 Retired Employees who participate in the medical plan Retired Employees who participate in the medical plan Retired Employees who participate in the medical plan Retired Employees who participate in the medical plan Class 4 Cl 2 Employees waiving taxable life benefits Cl 2 Employees waiving taxable life benefits Cl 2 Employees waiving taxable life benefits Cl 2 Employees waiving taxable life benefits Definition of Earnings Annual salary, excludes commissions, overtime pay and bonuses Annual salary, excludes commissions, overtime pay and bonuses Annual salary, excludes commissions, overtime pay and bonuses Annual salary, excludes commissions, overtime pay and bonuses Benefit Class 1 3 x BAE 3 x BAE 3 x BAE 3 x BAE Class 2 2 x BAE 2 x BAE 2 x BAE 2 x BAE Class 3 Flat $2,000 Flat $2,000 Flat $2,000 Flat $2,000 Class 4 Flat $50,000 Flat $50,000 Flat $50,000 Flat $50,000 Maximum Benefit $500,000 $500,000 $500,000 $500,000 Guarantee Issue Amount $500,000 $500,000 $500,000 $500,000 Age Reduction Reduces to:Reduces to:Reduces to:Reduces to: Age 65 -------- Age 70 40%40%40%-- Age 75 ------60% Age 80 ------35% Age 85 ------28.0% Age 90 ------20% Age 95 ------8.0% Age 100 ------5% Contract Features Waiver of Premium To age 70 if disabled prior to age 60 for 9 months To age 70 if disabled prior to age 60 for 9 months To age 70 if disabled prior to age 60 for 9 months To age 70 if disabled prior to age 60 for 9 months Accelerated Death Benefit 75% to $500,000 max, 12 months life expectancy 75% to $500,000 max, 12 months life expectancy 75% to $500,000 max, 12 months life expectancy 75% to $500,000 max, 12 months life expectancy Reliance Standard VoyaThe Standard 16.E.3.c Packet Pg. 2015 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government LIFE BENEFIT/COST ANALYSIS Effective: 01/01/2019 Pricing Current Renewal Negotiated Renewal Total Covered Lives 2,265 2,265 2,265 Total Covered Benefit $233,928,997 $233,928,997 $233,928,997 Life Rate per $1,000 Benefit $0.093 $0.205 $0.137 Monthly Premium $21,755 $47,955 $32,048 Annual Premium $261,065 $575,465 $384,579 Cost Difference (%)--120%47% Cost Difference ($)--$314,401 $123,515 Rate Guarantee Total Covered Benefit is the sum of employee and retiree basic life benefits listed on the marketing census provided by the Collier County Government. This comparison is intended to illustrate the carrier's proposed services and rates and should not be relied upon to fully determine benefits and rates. Refer to carrier's renewal/proposal for a complete representation of coverage terms and conditions. 2,265 $233,928,997$233,928,997 $103,864 3 Years3 Years 29% 3 Years $0.121 $28,305 $75,793 $0.120 $336,858 Reliance Standard $28,071 2,265 3 Years $339,665 30% $78,600 40% Voya 2,265 $0.130 $30,411 $364,929 $233,928,997 The Standard 16.E.3.c Packet Pg. 2016 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government BASIC AD&D BENEFIT/COST ANALYSIS Effective: 01/01/2019 Voluntary AD&D Aetna Reliance Standard The Standard Voya Class Definitions Class 1 County Attorney & County Manager County Attorney & County Manager County Attorney & County Manager County Attorney & County Manager Class 2 Employees not covered in any other class Employees not covered in any other class Employees not covered in any other class Employees not covered in any other class Class 3 Employees earning >$25,000 and not covered in any other plan Employees earning >$25,000 and not covered in any other plan Employees earning >$25,000 and not covered in any other plan Employees earning >$25,000 and not covered in any other plan Benefit Class 1 3 x BAE 3 x BAE 3 x BAE 3 x BAE Class 2 2 x BAE 2 x BAE 2 x BAE 2 x BAE Class 3 Flat $50,000 Flat $50,000 Flat $50,000 Flat $50,000 Maximum Benefit $500,000 $500,000 $500,000 $500,000 Age Reduction Reduces to:Reduces to:Reduces to:Reduces to: Age 65 ------ Age 70 --40%-- Age 75 60%60%--60% Age 80 35%35%--35% Age 85 27.5%27.5%--28.0% Age 90 20%20%--20% Age 95 7.5%7.5%--8.0% Age 100 5%5%--5% Losses Life 100%100%100%100% One limb - hand, foot 50%50%50%50% Sight of 1 eye 50%50%50%50% Hearing - both ears 50%50%50%50% Speech 50%50%50%50% Speech and Hearing (both ears 100%100%100%100% Quadriplegia 100%100%100%100% Paraplegia 50%50%50%50% Hemiplegia 50%50%50%50% Uniplegia 25%25%Not Covered 25% Thumb & index finger (same ha 25%25%25%25% Options Seat Belt Benefit 10% to $25,000 10% to $25,000 Up to $10,000 10% to $25,000 Air Bag Benefit 5% to $5,000 5% to $5,000 5% to $5,000 5% to $5,000 Education Benefit 5% to $5,000/year for 4 years (Child & Spouse) 5% to $5,000/year for 4 years (Child & Spouse) 25% to $5,000 per child per year up to 4 year 25% to $5,000 per year for spouse within 36 months of death 5% to $5,000/year for 4 years (Child & Spouse) Repatriation Benefit $5,000 $5,000 $5,000 $5,000 Child Care Benefit 3% to $2,000 per child per year up to 4 years 3% to $2,000 per child per year up to 4 years $5,000 per year maximum of $10,000 or 25%, whichever is less 3% to $2,000 per child per year up to 4 years Coma Benefit First 11 months: 5%/month, 12th month: 45%Not Included Not Included First 11 months: 5%/month, 12th month: 45% Suicide Exclusion Included Included Included Included Current/Renewal 16.E.3.c Packet Pg. 2017 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government BASIC AD&D BENEFIT/COST ANALYSIS Effective: 01/01/2019 Pricing Current Renewal Negotiated Renewal Reliance Standard The Standard Voya Total Covered Lives 2,229 2,229 2,229 2,229 2,229 2,229 Total Covered Benefit $233,928,997 $233,928,997 $233,928,997 $233,928,997 $233,928,997 $233,928,997 Rate per $1,000 Benefit $0.025 $0.025 $0.025 $0.025 $0.020 $0.025 Monthly Premium $5,848 $5,848 $5,848 $5,848 $4,679 $5,848 Annual Premium $70,179 $70,179 $70,179 $70,179 $56,143 $70,179 Rate Guarantee 3 Years 3 Years 3 Years 3 Years Total Covered Benefit is the sum of employee and retiree basic life benefits listed on the marketing census provided by the Collier County Government. This comparison is intended to illustrate the carrier's proposed services and rates and should not be relied upon to fully determine benefits and rates. Refer to carrier's renewal/proposal for a complete representation of coverage terms and conditions. 16.E.3.c Packet Pg. 2018 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government VOLUNTARY LIFE BENEFIT/COST ANALYSIS Effective: 01/01/2019 Voluntary Life Aetna Reliance Standard The Standard Voya Eligibility Active, full-time employees (30 hrs per week), except temporary or seasonal Active, full-time employees (30 hrs per week), except temporary or seasonal Active, full-time employees (30 hrs per week), except temporary or seasonal Active, full-time employees (30 hrs per week), except temporary or seasonal Definition of Earnings Annual salary, excludes commissions, overtime pay and bonuses Annual salary, excludes commissions, overtime pay and bonuses Annual salary, excludes commissions, overtime pay and bonuses Annual salary, excludes commissions, overtime pay and bonuses Benefit Amount Employee $10,000 Increments to $500,000 or 5x Salary $10,000 Increments to $500,000 or 5x Salary $10,000 Increments to $500,000 or 5x Salary $10,000 Increments to $500,000 or 5x Salary Spouse $10,000 Increments to $500,000, Not to exceed 100% of employee basic and suppl life amount $10,000 Increments to $500,000, Not to exceed 100% of employee amount $10,000 Increments to $500,000, Not to exceed 100% of employee basic and suppl life amount $10,000 Increments to $500,000, Not to exceed 100% of employee basic and suppl life amount Children 14 Days to 6 months: Flat $1,000 6 months to age 26: $2,500 Increments to $10,000 14 Days to 6 months: Flat $1,000 6 months to age 26: $2,500 Increments to $10,000 $2,500 to $10,000 from live birth 14 Days to 6 months: Flat $1,000 6 months to age 26: $2,500 Increments to $10,000 Maximum Benefit $500,000 $500,000 $500,000 Guarantee Issue Employee $200,000 $200,000 $200,000 $200,000 Spouse $50,000 $50,000 $50,000 $50,000 Children All Amounts All Amounts All Amounts All Amounts Age Reduction Reduces to:Reduces to:Reduces to:Reduces to: Age 65 -------- Age 70 -------- Age 75 60%60%60%60% Age 80 35%35%35%35% Age 85 27.5%27.5%27.5%28.0% Age 90 20%20%20%20% Age 95 7.5%7.5%7.5%8.0% Age 100 5%5%5%5% Contract Features Termination of Spouse benefits Same time as Employee Same time as Employee Same time as Employee Same time as Employee Accelerated Death Benefit 75% to $500,000, 12 months life expectancy 75% to $500,000, 12 months life expectancy 75% to $500,000, 12 months life expectancy 75% to $500,000, 12 months life expectancy Waiver of Premium To age 70 if disabled prior to age 60 for 9 months To age 70 if disabled prior to age 60 for 9 To age 70 if disabled prior to age 60 for 9 To age 70 if disabled prior to age 60 for 9 Conversion Included Included Included Included Portability Included Included Included Included Suicide Exclusion 2 years 2 years 2 years 2 years Participation Requirement 20%20%20%15% $500,000* Current/Renewal 16.E.3.c Packet Pg. 2019 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government VOLUNTARY LIFE BENEFIT/COST ANALYSIS Effective: 01/01/2019 Voluntary Life Aetna Reliance Standard The Standard Voya Rates per $1,000 Benefit Current Employee Renewal Employee Current Spouse Renewal Spouse Employee Spouse Employee Spouse Employee Spouse Age Under 25 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 25-29 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 30-34 $0.130 $0.130 $0.130 $0.130 $0.090 $0.090 $0.090 $0.090 $0.090 $0.090 35-39 $0.190 $0.190 $0.190 $0.190 $0.130 $0.130 $0.130 $0.130 $0.130 $0.130 40-44 $0.260 $0.260 $0.260 $0.260 $0.190 $0.190 $0.190 $0.190 $0.190 $0.190 45-49 $0.480 $0.480 $0.480 $0.480 $0.260 $0.260 $0.260 $0.260 $0.260 $0.260 50-54 $0.720 $0.720 $0.720 $0.720 $0.480 $0.480 $0.480 $0.480 $0.480 $0.480 55-59 $1.080 $1.080 $1.080 $1.080 $0.720 $0.720 $0.720 $0.720 $0.720 $0.720 60-64 $1.590 $1.590 $1.590 $1.590 $1.080 $1.080 $1.080 $1.080 $1.080 $1.080 65-69 $2.340 $2.340 $2.340 $2.340 $1.590 $1.590 $1.590 $1.590 $1.590 $1.590 70-74 $4.250 $4.250 $4.250 $4.250 $2.340 $2.340 $2.340 $2.340 $2.340 $2.340 75-99 $4.250 $4.250 $4.250 $4.250 $4.250 $4.250 $4.250 $4.250 $4.250 $4.250 Voluntary AD&D Per $1,000 Benefit Child Per $1,000 Benefit Special Open Enrollment Special Enrollment for all enrolled and eligible up to the Guarantee Issue All members (enrolled or eligible) may increase benefit amount up to the modified guarantee issue amount of $100,000 without providing evidence of insurability. No Special Enrollment Rate Guarantee 3 Years *During the renewal process, Willis Towers Watson negotiate with Aetna to amend the Life and Supplemental Life Max from $500,000 combined to $500,000 for each coverage effective 01/01/2016. This comparison is intended to illustrate the carrier's proposed services and rates and should not be relied upon to fully determine benefits and rates. Refer to carrier's renewal/proposal for a complete representation of coverage terms and conditions. $0.050 $0.200 Current Renewal $0.200 $0.200 $0.200$0.200 3 Years3 Years $0.050$0.050 3 Years Current Renewal $0.200 $0.050 Employees/spouses without coverage (who have not been previously denied) can enroll into up to 3 increments without EOI. And those with coverage can increase by 3 increments without EOI up to GI of $200K. 16.E.3.c Packet Pg. 2020 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government ADMINISTRATIVE SERVICES ONLY SHORT TERM DISABILITY BENEFIT/COST ANALYSIS Effective: 01/01/2019 Aetna Reliance Standard The Standard Voya STD Benefits Eligibility Class 1 All Active FT excluding those defined in Class 2 All Active FT excluding those defined in Class 2 All Active FT excluding those defined in Class 2 All Active FT excluding those defined in Class 2 Class 2 County Manager & Board Aide County Manager & Board Aide County Manager & Board Aide County Manager & Board Aide Class 3 County Manager County Manager County Manager County Manager Weekly Benefit Percent Class 1 Core 40%, Buy-Up 67%Core 40%, Buy-Up 67%Core 40%, Buy-Up 67%Core 40%, Buy-Up 67% Class 2 50%50%50%50% Class 3 67%67%67%67% Maximum Class 1 $2,000 $2,000 $2,000 $2,000 Class 2 $2,250 $2,250 $2,250 $2,250 Class 3 $2,250 $2,250 $2,250 $2,250 Minimum None None None None Benefit Duration 26 Weeks 26 Weeks 26 Weeks 26 Weeks Definition of Earnings Weekly earnings excluding commissions, overtime pay and bonuses Weekly earnings excluding commissions, overtime pay and bonuses Weekly earnings excluding commissions, overtime pay and bonuses Weekly earnings excluding commissions, overtime pay and bonuses; includes shift differential and average of the prior 12 months commission. Definition of Disability Inability to perform own occupation and 20% earnings loss Inability to perform own occupation Inability to perform own occupation and 20% earnings loss Inability to perform own occupation and 20% earnings loss Elimination Period Accident Later of 7 days or Exhaustion of Sick Leave Balance Later of 7 days or Exhaustion of Sick Leave Balance Later of 7 days or Exhaustion of Sick Leave Balance Later of 7 days or Exhaustion of Sick Leave Balance Illness Later of 7 days or Exhaustion of Sick Leave Balance Later of 7 days or Exhaustion of Sick Leave Balance Later of 7 days or Exhaustion of Sick Leave Balance Later of 7 days or Exhaustion of Sick Leave Balance Benefit Provisions Partial Included Included Included Included Rehabilitation Benefit Mandatory Mandatory Mandatory Mandatory Integration Method Does not integrate with other income Does not integrate with other income Does not integrate with other income Does not integrate with other income Limitations Pre-existing Conditions No limit No limit No limit No limit ASO / ATP Check Cutting Included Included Included Included Online Portal to View Claims Included Included Included Included Taxation W-2 Services Included Included Included Included FICA Responsibility Employer Pays Employer Pays Employer Pays Employer Pays Current/Renewal 16.E.3.c Packet Pg. 2021 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government ADMINISTRATIVE SERVICES ONLY SHORT TERM DISABILITY BENEFIT/COST ANALYSIS Effective: 01/01/2019 Fees Current Renewal Negotiated Renewal Reliance Standard The Standard Voya Covered Lives 2,226 2,226 2,226 2,226 2,226 2,226 Monthly Administrative Fee $2.547 $2.780 $2.547 $1.720 $2.200 $2.160 Monthly # #$6,188 $5,670 $3,829 $4,897 $4,808 Annual $68,035 $74,259 $68,035 $45,945 $58,766 $57,698 Cost Difference (%)--9.1%0.0%-32%-14%-15% Cost Difference ($)--$6,224 $0 -$22,091 -$9,269 -$10,338 Contract Period 3 Years 3 Years 3 Years3 Years This comparison is intended to illustrate the carrier's proposed services and rates and should not be relied upon to fully determine benefits and rates. Refer to carrier's renewal/proposal for a complete representation of coverage terms and conditions. 16.E.3.c Packet Pg. 2022 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government LONG TERM DISABILITY BENEFIT/COST ANALYSIS Effective: 01/01/2019 Aetna Reliance Standard The Standard Voya Current/Renewal Class Definition Class 1 Employees excluding Executive Manager to Board, County Manager & County Attorney EEs excluding Executive Manager to Board, County Manager & County Attorney Employees excluding Executive Manager to Board, County Manager & County Attorney EEs excluding Executive Manager to Board, County Manager & County Attorney Class 2 Executive Manager to Board & County Attorney Executive Manager to Board & County Attorney Executive Manager to Board & County Attorney Executive Manager to Board & County Attorney Class 3 County Manager County Manager County Manager County Manager Definition of Earnings Base rate of earnings excluding commissions, overtime pay and bonuses Base rate of earnings excluding commissions, overtime pay and bonuses Base rate of earnings excluding commissions, overtime pay and bonuses Base Salary-Includes Commissions with 12 Month Average Benefit Outline Benefit Percent Class 1 Basic: 40%, Premium: 67%Basic: 40%, Premium: 67%Basic: 40%, Premium: 67%Core 40%; Buy-up 67% Class 2 50%50.00%50%50.00% Class 3 67%67.00%67%67.00% Monthly Maximum Class 1 $9,000 $9,000 $9,000 $9,000 Class 2 $9,000 $9,000 $9,000 $9,000 Class 3 $10,000 $10,000 $10,000 $10,000 Monthly Minimum $100 $100 $100 $100 Own Occupation Period Class 1 24 Months 24 Months 24 Months 24 Months Class 2 Extended Own Occupation Extended Own Occupation Extended Own Occupation Extended Own Occupation Class 3 Extended Own Occupation Extended Own Occupation Extended Own Occupation Extended Own Occupation Benefit Duration SSNRA SSNRA SSNRA SSNRA Elimination Period Elimination Period 180 Days 180 Days 180 Days 180 Days Interruption Less than 30 Consecutive Days Less than 30 Consecutive Days Less than 30 Consecutive Days Less than 30 Consecutive Days Residual Disability Zero Day Residual Zero Day Residual Zero Day Residual Zero Day Residual Limitations Mental Illness Limitation 24 Months 24 Months 24 Months 24 Months Self Reported Limitation No Limitation No Limitation No Limitation No Limitation Pre-existing Conditions 3/12 3/12 3/12 3/12 Benefit Provisions Definition of Disability Loss of Duties and Earnings Loss of Duties Only Loss of Duties and Earnings Loss of Duties and Earnings Partial Formula Proportionate 50% Offset Proportionate Proportionate Indexed Monthly Earnings Lesser of CPI or 10%Not Included Lesser of CPI or 10%Lesser of CPI or 10% Social Security Integration Full Family Full Family Full Family Full Family Waiver of Premium Included Included Included Included Workplace Modification Included, No Limit Included, $2,000 Maximum Included, $25,000 Maximum Included, 2 x earnings to $5,000 Maximum Recurrent Disability 6 Consecutive Months 6 Consecutive Months 90 days in EP 180 days in Benefit Period 6 Consectutive months Return to Work Incentive 100% up to 12 Months 100% up to 12 Months Extending to 24 months to align with family care benefit 100% for 12 Months Rehabilitation Mandatory Mandatory Voluntary with a 10% Incentive Mandatory Child Care Expense $250 per child per month up to $500 for 24 months $250 per child per month up to $500 for 24 months family care; $250 per family member, not to exceed $500 for all family members $250 per child per month for 24 months Spouse or Elder Care Not Included Not Included Included Not Included Survivor Benefit 3x Gross Monthly Benefit 3x Gross Monthly Benefit 3x Gross Monthly Benefit 3x Gross Monthly Benefit Specific Indemnity Benefit Accidental Personal Loss Indemnity Benefit Accidental Personal Loss Indemnity Benefit Not Included Accidental Dismemberment and Loss of Sight EAP Includes 3 Face-to-Face Sessions Optional Includes 3 Face-to-Face Sessions Includes 3 telephonic sessions FICA Match Included Included Included Included 16.E.3.c Packet Pg. 2023 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government LONG TERM DISABILITY BENEFIT/COST ANALYSIS Effective: 01/01/2019 Rates Current Renewal Reliance Standard The Standard Voya Basic Plan Number of Lives 1,056 1,056 2,224 2,224 2,224 2,224 Covered Payroll $4,792,943 $4,792,943 $10,281,594 $10,281,594 $10,281,594 $10,281,594 Per $100 of Covered Payroll $0.124 $0.138 $0.124 $0.135 $0.124 $0.124 Monthly Premium $5,943 $6,614 $12,749 $13,880 $12,749 $12,749 Premium Plan Number of Lives 1,168 1,168 1,168 1,168 1,168 1,168 Covered Payroll $5,488,651 $5,488,651 $5,488,651 $5,488,651 $5,488,651 $5,488,651 Per $100 of Covered Payroll $0.396 $0.440 $0.272 $0.270 $0.360 $0.299 Monthly Premium $21,735 $24,150 $14,929 $14,819 $19,759 $16,411 Monthly CCG Paid Premium $6,784 $7,538 Included in Basic Premium Included in Basic Premium Included in Basic Premium Included in Basic Premium Total Employer Paid Premium Total Employer Monthly Premium $12,727 $14,152 $12,749 $13,880 $12,749 $12,749 Total Employer Annual Premium $152,729 $169,826 $152,990 $166,562 $152,990 $152,990 Cost Difference (%)--11%0%9%0%0% Cost Difference ($)--$1,425 $22 $1,153 $22 $22 Total Employee Paid Premium Total Employee Monthly Premium $14,951 $16,612 $14,929 $14,819 $19,759 $16,411 Total Employee Annual Premium $179,411 $199,346 $179,150 $177,832 $237,110 $196,933 Cost Difference (%)--11%0%-1%32%10% Cost Difference ($)--$1,661 -$22 -$132 $4,808 $1,460 Rate Guarantee 3 Years 3 Years 3 Years Special Open Enrollment Open Enrollment offered up to the Max Benefit, subject to pre-existing condition limitations. Open Enrollment offered up to the Max Benefit, subject to 6/12 pre-existing condition limitations. Open Enrollment offered up to the Max Benefit, subject to pre-existing condition limitations. Covered Payroll based on the April 2018 Aetna Invoice for Monthly LTD Premium. 3 Years This comparison is intended to illustrate the carrier's proposed services and rates and should not be relied upon to fully determine benefits and rates. Refer to carrier's renewal/proposal for a complete representation of coverage terms and conditions. Negotiated Renewal 16.E.3.c Packet Pg. 2024 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental Collier County Government FML COST/BENEFIT ANALYSIS Effective: 01/01/2019 Aetna/Hartford Reliance Standard The Standard Voya Renewal Option (Matrix)(Compysch) Total FMLA Covered Lives*2,081 2,081 2,081 2,081 Rates Initial Set-Up Fee $0.00 $5,000.00 $4,500 $0.00 Per Claim Determination**$120/claim for claims that exceed an 11% annual incidence rate $275/claim for claims that exceed a 2% annual incidence rate ---- Per Employee Per Month $1.88 $1.75 $2.10 $1.43 Minimum Annual Cost $50,286 -- Estimated First Year Cost $50,286 $51,451 $56,941 $35,710 Estimated Ongoing Cost $50,286 $46,451 $52,441 $35,710 Non-Family Medical Leave Administration State Leaves Included Additional $.07 PEPM City Leaves Additional Fee Additional $.07 PEPM Jury Duty Additional Fee Included Military Leave Included Included Bereavement Additional Fee Additional $.07 PEPM Other Additional Fee Additional $.07 PEPM Additional Services Takeover Fee (Per Open Leave)$20 - $200***$165.00 $150 No Additional Charge Number of Open Leaves****42 42 42 42 Estimated Takeover Costs $4,620 $6,930 $6,300 No Additional Charge ADA Services Available for an additional fee. ADA Advantage: $0.88 PEPM plus additional $3,500 set-up fee Additional $0.80 PEPM for ADA-AA Services Additional $.23 for ADA Tracking and another $0.67 PEPM for coaching Cost for Additional Data Feed Included in below $200/hr + $200 per exception $1,500 -- Other Any customization development work will be charged at $200 per hour. Payroll services, $2,750 annually $225 for customizable correspondence, phone numbers, intake scripts and reporting -- Contract Period 3 Years 3 Years 3 Years 3 Years *Average number of FMLA lives for 2017. **2017 Incidence Rate = 152/2,081 = 7% ****Number of open FMLA leaves (15 pending) as of 4/24/2018) Estimated first year and ongoing cost for Reliance Standard includes Payroll Services ($2,750 annually). State and Federal included. $.08 PEPM for up to two additional leaves; $.075 PEPM for each additional leave Covered in the above fees, but would increase the potential of the incidence rate exceeding cap. ***Leaves that are presented in an acceptable manner that clearly displays the historical time used in a spreadsheet or calendar format will be billed as a one time loading charge of $80.00 per open leave and $20.00 per closed leave. Leaves not provided in the acceptable manner, as outlined below, will be charged at $200 per hour for custom formatting. Assume Average, $110 per claim 16.E.3.c Packet Pg. 2025 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental CARRIER STATUS LINE OF COVERAGE COMMISSION SCHEDULE SUB BROKER ADDITIONAL COMPENSATION FATCA COMPLIANCE MARKET SECURITY Aetna/Hartford Incumbent Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, ASO STD, FMLA: Net of Commission Base LTD, Premium LTD: 10% Vol. Life: 20% ----Compliant Approved Reliance Standard See Analysis Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, ASO STD, FMLA: Net of Commission Base LTD, Premium LTD: 7% Vol. Life: 20% ----Compliant Approved The Standard See Analysis Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, Base LTD, ASO STD, FMLA: Net of Commission Premium LTD: 13% Vol. Life: 20% ----Compliant Approved ReliaStar (Voya)See Analysis Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, Base LTD, ASO STD, FMLA: Net of Commission Premium LTD: 10% Vol. Life: 20% --2% (Can be excluded)Compliant Approved Symetra Quote Provided Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, Base LTD, ASO STD, FMLA: Net of Commission Premium LTD: 10% Vol. Life: 20% ----Compliant Approved Lincoln Quote Provided Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, Base LTD, ASO STD, FMLA: Net of Commission Premium LTD: 10% Vol. Life: 20% ----Compliant Approved Liberty Mutual Quote Provided Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, Base LTD, ASO STD, FMLA: Net of Commission Premium LTD: 10% Vol. Life: 20% ----Compliant Approved COMPENSATION DISCLOSURE Collier County Government LIFE/DISABILITY CARRIERS SOUGHT & RECEIVED 16.E.3.c Packet Pg. 2026 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental CARRIER STATUS LINE OF COVERAGE COMMISSION SCHEDULE SUB BROKER ADDITIONAL COMPENSATION FATCA COMPLIANCE MARKET SECURITY COMPENSATION DISCLOSURE Collier County Government LIFE/DISABILITY CARRIERS SOUGHT & RECEIVED Mutual of Omaha Quote Provided (Late) Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, Base LTD, ASO STD, FMLA: Net of Commission Premium LTD: 10% Vol. Life: 20% ----Compliant Approved Met Life Quote Provided (Late) Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA Life/AD&D, Base LTD, ASO STD, FMLA: Net of Commission Premium LTD: 10% Vol. Life: 20% ----Compliant Approved Cigna Declined to Quote Not Competitive Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA ------Compliant Approved Guardian Declined to Quote Can not properly administer STD Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA ------Compliant Approved Prudential Declined to Quote Not Competitive Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA ------Compliant Approved Sun Life Declined to Quote Not Competitive Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA ------Compliant Approved Unum Declined to Quote Not Competitive Life/AD&D, Vol. Life/AD&D, LTD, ASO STD, FMLA ----2.5%Compliant Approved Dear Jeff Walker: Above is a high level summary of the markets we approached on your behalf. We have indicated which quotes are included in the detailed summary based on what most aligns with the strategic direction you provided us in our pre-renewal strategy discussion. If you would like a copy of any quote received, please let us know and we will provide it to you. Please review the details of the proposals included to ensure that these meet your expectations. The proposals may differ from your current policy, so we recommend that you read the specifications from the carrier in their entirety and compare them to your current policy. Should you have any questions about the proposals or concerns about what is included in this summary, please let us know at once. Please provide us with your selection of coverage. We will confirm the details of this selection in writing with you and the carrier. 16.E.3.c Packet Pg. 2027 Attachment: 2019 01 Anc Renewal and Mktg Results updated 6-1-2018 (5888 : Group Life, Accidental 16.E.3.dPacket Pg. 2028Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2029Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2030Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2031Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2032Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2033Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.d Packet Pg. 2034 Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2035Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2036Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2037Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2038Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2039Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2040Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2041Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2042Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2043Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2044Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2045Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2046Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2047Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2048Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2049Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2050Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2051Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2052Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2053Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA 16.E.3.dPacket Pg. 2054Attachment: Agreement #18-7409 CAO approved. rev (5888 : Group Life, Accidental Death, Disability Insurance and Claims and FMLA