Loading...
#21-029-NS (The Standard Insurance Co) Collier County Agreement # 21-029-NS for Group Life Insurance, Accidental Death, Long/Short Term Disability Claims & FMLA Administration Services Collier County Board of County Commissioners, FL ("County" or"Client" or"Program Sponsor") Risk Management Division Jeff Walker, Director Sonja Sweet, Manager-Group Insurance 3311 E. Tamiami Trail Naples, FL 34112 P: (239) 252-8966 E: Jeff.Walker@colliercountvfl.gov / Sonja.Sweet(iz colliercountYfi.gov The Standard Standard Insurance Company (the "Standard") Dan Lynch, Senior Employee Benefits Consultant 300 N. Corporate Drive, Suite 320 Brookfield, WI 53045-5862 P: (262) 879-9654 I Cell: (847) 714-5577 E: I)an.L,ynch(ri standard.com EFFECTIVE DATE: January 1, 2022 Consisting of the attached: Master Agreement(No. 759081) Absence Management Service (FMLA) Agreement (No. 759081-B) Exhibit A Disability Program Administrative Services Agreement (No. 759081-A) Exhibit B The Standard Insurance Company Proposal dated April 9, 2021. Insurance Certificates e STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 MASTER AGREEMENT Client: Collier County Board of County Commissioners Master Agreement Number: 759081 Master Agreement Effective Date: January 1, 2022 This Master Agreement (the "Master Agreement") is between Collier County Board of County Commissioners, FL, c/o Risk Management Division ("Client" or "County") and Standard Insurance Company, an Oregon corporation, authorized to do business in the State of Florida ("Standard" or "Contractor") collectively known as the "Parties". Client and Standard agree as follows: 1. Services. A. Standard shall provide services in accordance with written service agreements, each of which shall reference this Master Agreement and constitute a separate transaction independent of other service agreements. Standard shall provide the services during the term provided for in the service agreements. Service agreements are subject to the terms of this Master Agreement. Each service agreement will contain additional terms and conditions specific to the services described in that service agreement. No service agreement will be effective unless it has been signed by Client and accepted by Standard. In the event of a conflict between any terms of this Master Agreement and those contained in a service agreement, the conflicting terms in the service agreement will prevail; however, the specific or additional terms set forth in any service agreement shall apply to the parties' rights and obligations under that service agreement only, and not to any other service agreement. B. Any change in services will be set forth in a written amendment to the applicable service agreement. No amendment will be effective unless it has been signed by Client and accepted by Standard. 2. Use of Name. Except to the extent necessary to perform services and to fulfill obligations under a service agreement, neither party shall use the name, trademark, logo or identification of the other party without the other party's prior written consent. 3. Right to Inspect Records. Each party agrees to allow the other, on reasonable written notice and at reasonable time and places, to inspect and photocopy, at the inspecting party's sole expense, any material files and records in such party's possession relating to the service performed under a service agreement. 4. Assignment and Subcontracting. This Master Agreement shall not be assigned by either Party without the written consent of the other. Standard may subcontract for the performance of any of its services under this Master Agreement or service agreement. 5. Relationship of the Parties. Standard and Client are each acting under this Master Agreement and any service agreement as an independent contractor and not as an employee, joint venturer or partner of the other. Neither party nor their respective employees shall have any authority to make Standard Insurance Company Master Agreement Page 1 of 7 Issued: 2021 any representation, contract or commitment on behalf of the other party unless specifically requested or authorized to do so by authorized personnel of such other party. 6. Fiduciary Status of Standard. Standard shall not be deemed to be a fiduciary within the meaning of the Employee Retirement Income Security Act of 1974, except as required by applicable law. 7. Indemnification. A. Standard shall indemnify, defend and hold Client harmless from any and all liability, loss, damages, fines, penalties and costs, including reasonable expenses and reasonable attorneys' fees, which Client, its officers, agents and employees may sustain by reason of gross negligence, intentional wrongdoing, fraud or criminal conduct of Standard's employees or agents. B. Client shall indemnify, defend and hold Standard harmless from any and all liability, loss, damages, fines, penalties and costs, including reasonable expenses and reasonable attorney's fees, which Standard, its officers, agents and employees may sustain by reason of (1) Client's gross negligence, intentional wrongdoing, fraud or criminal conduct, (2) Client's failure to provide correct, accurate, and complete information as required under any service agreement, (3) Client's failure to comply with Standard's written instructions or recommendations, or (4) Standard complying with Client's written instructions if such instructions are against Standard's recommendations. Client's duty to defend, indemnify, and hold harmless shall not constitute a waiver of its sovereign immunity beyond the limits set forth in Florida Statutes, Section 768.28, nor shall the same be construed to constitute agreement by Client to indemnify Standard for its negligent, willful or intentional acts or omissions. 8. Termination. Termination of a service agreement does not terminate this Master Agreement. However, termination of the Master Agreement does terminate all service agreements. This Master Agreement may be terminated as follows: A. Without Cause. Either party may terminate this Master Agreement or any active service agreement by providing the other party at least 31 days prior written notice. B. Default. Either party may terminate this Master Agreement or any service agreement if the other party breaches or is in default of any obligation of this Master Agreement or any active service agreement,which default is incapable of cure or which, being capable of cure, has not been cured within 30 days after receipt of written notice (or within such additional cure period as the nondefaulting party may authorize). 9. Confidential Information. A. "Confidential Information" means Client's information that is not generally released to third parties in the absence of confidentiality requirements; or is not generally released to third parties unless required by law; or is classified under state or federal law as confidential or private information which disclosure is restricted by law; or is proprietary to Client or the disclosure of which would be detrimental to Client. B. Standard shall maintain the confidential and proprietary nature of Confidential information and shall: (1) restrict disclosure of such Confidential Information to its own employees to whom the Standard determines disclosure is reasonably necessary as having a "need to know"; (2) advise such persons of the obligations of confidentiality hereunder with respect to such Confidential Information; (3) make disclosures to third party contractors and other non-employees under Standard's control who have a"need to know"only if such third party contractors and other non- employees execute a non-disclosure agreement that require they treat Confidential Information with the same degree of care, and to limit disclosure of Confidential Information, as set forth in the terms and conditions of this Master Agreement; (4) limit the number of copies made of such Confidential Information to those reasonably necessary to fulfill the purpose of this Master Agreement or service agreement (and reproduce any legends or notices of the confidentiality or proprietary nature on each copy), except that no copies shall be made of computer software programs or related documentation except pursuant to the terms of any separate license or other Standard Insurance Company Master Agreement Page 2 of 7 Issued: 2021 at) agreement governing Standard's rights in that software or documentation; (5) use such Confidential Information only for the purposes of this Master Agreement or service agreement and only for the benefit of Client, and not otherwise appropriate such Confidential Information to its own use or to the use of any other person or entity; and (6) use substantially the same degree of care to maintain the confidentiality of such Confidential Information as Standard uses with respect to its own Confidential Information (but in any event not less than a reasonable standard of care). These obligations do not apply to information or materials that are or become generally known by third parties other than as a result of an act or omission by Standard; were already independently known by Standard prior to receiving them from Client; or are developed independently by Standard. C. Standard may disclose Confidential Information if allowed or required by law. 10.Warranties. Standard warrants that: A. It is licensed to conduct its business as it is now being conducted and is authorized to do business in each state in which it provides services; B. The services will be performed on time and will be performed in a professional manner in accordance with service providers practicing under similar conditions and in accordance with generally acceptable industry standards; C. The services will be performed in accordance with all applicable laws, regulations or other legal requirements in effect as of the date services are performed; and D. Its personnel are trained, qualified and have direct experience in performing the services. Standard warrants the performance of any subcontractor used in performance of the services in the same manner that Standard warrants its own personnel. 11.Force Majeure. Neither party shall be responsible for any delay or failure in performance of any part of this Master Agreement or service agreement to the extent that such delay or failure is caused by fire, flood, explosion, war, embargo, government requirement, civil or military authority, act of God, act or omission of carriers or other similar causes beyond its control. 12.Governing Law and Venue. This Master Agreement and all service agreements shall be subject to and construed under the laws of the State of Florida. Any suit or action brought by either Party to this Master Agreement or any service agreements against the other Party, relating to or arising out of this Master Agreement or any service agreements, must be brought in the appropriate federal and state courts in and for Collier County, Florida, which courts shall have sole and exclusive jurisdiction on all such matters. 13.Component Parts of this Entire Agreement. This Master Agreement consists of the following component parts, all of which are as fully a part of this entire Master Agreement as if set out verbatim herein: Standard's Proposal to RFP No. 21-029-NS dated April 9, 2021, the attached Insurance Certificates, and all Exhibits attached hereto, including the Disability Program Administrative Services Agreement and the Absence Management Service Agreement. This constitutes the entire agreement between the parties with respect to its subject matter. Except for the specific additional terms and conditions specific to the services described in the Disability Program Administrative Services Agreement and the Absence Management Service Agreement, this Master Agreement supersedes any and all other agreements, whether oral or written, between the parties with respect to its subject matter. 14.Amendment and Waiver. Except as expressly provided in this Master Agreement, neither this Master Agreement, service agreement, nor any term thereof may be amended, waived, discharged or terminated other than by a written instrument signed by both parties. The failure of either party to insist on strict compliance with this Master Agreement or any service agreement, or to exercise any right or remedy under this Master Agreement or any service agreement, shall not constitute a waiver of any rights or remedies provided under this Master Agreement or any service agreement, nor stop Standard Insurance Company Master Agreement Page 3 of 7 Issued: 2021 the parties from demanding full and complete compliance nor prevent the parties from exercising such a right or remedy in the future. 15.Severability. If any provision of this Master Agreement or any service agreement becomes invalid or unenforceable by reason of any change in the law or by reason of the decision of any court or government agency, the remaining provisions shall remain in effect unless either party determines in good faith that the elimination of the provision found to be invalid or unenforceable subjects that party to prosecution, civil penalty, loss of license or material economic burden in which event that party may notify the other party in writing and seek renegotiation of that portion of the Master Agreement or service agreement found to be invalid or unenforceable. 16.Duplicate Originals.This Master Agreement may be executed in one or more duplicate counterparts, each of which shall be deemed to be an original, but which collectively shall constitute one and the same instrument. 17.Agreement Term. The Master Agreement term, the Disability Program Administrative Services Agreement, and the Absence Management Service Agreement will commence on January 1, 2022 for a period of three years. Contract years are successive twelve-month periods commencing with the Effective Date of this Agreement. 18.Scope Of Work & Fees. The services and fees due are outlined in Standard's Proposal, Fee Rates, and Fee Schedule outlined in the Exhibits, which are attached hereto and made a part of this Master Agreement. Additional fees may be charged to Client upon mutual agreement between Client and Standard. 19.Payment. Payments are due upon receipt of a proper invoice and in compliance with Chapter 218, Fla. Stats., otherwise known as the "Local Government Prompt Payment Act." Any late interest fees shall be pursuant to Section 218.74, Fla. Stat. 20. Sales Tax. Client, Collier County, Florida as a political subdivision of the State of Florida,is exempt from the payment of Florida sales tax under Chapter 212, Florida Statutes, Certificate of Exemption # 85-8015966531 C-1. 21.Subject To Appropriation. It is further understood and agreed by and between the parties herein that this Master Agreement, the Disability Program Administrative Services Agreement, and the Absence Management Service Agreement is subject to appropriation by the Collier County Board of County Commissioners. 22.Insurance. Standard shall provide insurance as follows: A. Commercial General Liability: Coverage shall have minimum limits of $1,000,000 Per Occurrence, $2,000,000 aggregate for Bodily Injury Liability and Property Damage Liability. This shall include Premises and Operations; Independent Contractors; Products and Completed Operations and Contractual Liability. B. Workers' Compensation: Insurance covering all employees meeting Statutory Limits in compliance with the applicable state and federal laws. The coverage must include Employers' Liability with a minimum limit of $1,000,000 for each accident. C. Automobile Liability: $1,000,000 Combined single limit. D. Cyber Liability: $5,000,000 Aggregate/Per Claim. Standard Insurance Company Master Agreement Page 4 of 7 Issued: 2021 E. Managed Care E&O: Minimum limit of$3,000,000 per occurrence. Special Requirements: Client, Collier County Board of County Commissioners, shall be listed as the Certificate Holder and included as an "Additional Insured" on the Insurance Certificate for Commercial General Liability where required. Except for Professional Liability and Technology Errors and Omissions, this insurance shall be primary and non-contributory with respect to any other insurance maintained by, or available for the benefit of, the Additional Insured and the Standard's policy shall be endorsed accordingly. 23.Compliance With Laws. Standard represents and warrants that it will remain, throughout the period in which this Master Agreement is effective, in compliance with all laws, rules, and regulations that are now or hereafter promulgated by any governmental authority or agency that govern or apply to the operation and/or use of the services described herein or that otherwise govern or apply to Standard. This includes Florida Statute § 501.171. Security of Confidential Personal Information. By executing and entering into this Master Agreement, the Standard is formally acknowledging without exception or stipulation that it agrees to comply, at its own expense, with all federal, state and local laws, codes, statutes, ordinances, rules, regulations and requirements applicable to this Master Agreement, including but not limited to those dealing with the Immigration Reform and Control Act of 1986 as located at 8 U.S.C. 1324, et seq. and regulations relating thereto, as either may be amended; taxation, workers'compensation, equal employment and safety including, but not limited to, the Florida Public Records Law Chapter 119, including specifically those contractual requirements at F.S. § 119.0701(2)(a)-(b) as stated as follows: IF THE STANDARD HAS QUESTIONS REGARDING THE APPLICATION OF CHAPTER 119, FLORIDA STATUTES, TO THE STANDARD'S DUTY TO PROVIDE PUBLIC RECORDS RELATING TO THIS CONTRACT, CONTACT THE CUSTODIAN OF PUBLIC RECORDS AT: Division of Communications, Government and Public Affairs 3299 Tamiami Trail East, Suite 102 Naples, FL 34112-5746 Telephone: (239) 252-8999 Email: PublicRecordRequest@colliercountyfl.gov The Standard must specifically comply with the Florida Public Records Law to: 1. Keep and maintain public records required by the public agency to perform the service. 2. Upon request from the public agency's custodian of public records, provide the public agency with a copy of the requested records or allow the records to be inspected or copied within a reasonable time at a cost that does not exceed the cost provided in this chapter or as otherwise provided by law. 3. Ensure that public records that are exempt or confidential and exempt from public records disclosure requirements are not disclosed except as authorized by law for the duration of the contract term and following completion of the contract if the Standard does not transfer the records to the public agency. 4. Upon completion of the contract, transfer, at no cost, to the public agency all public records in possession of the Standard or keep and maintain public records required by the public agency to perform the service. If the Standard transfers all public records to the public agency upon completion of the contract, the Standard shall destroy any duplicate public records that are exempt or confidential and exempt from public records disclosure requirements. If the Standard keeps and maintains public records upon completion of the contract, the Standard shall meet all applicable requirements for retaining public records. All records stored electronically must be provided to the public agency, upon request from the public agency's custodian of public records, in a format that is compatible with the information technology systems of the public agency. Standard Insurance Company Master Agreement Page 5 of 7 Issued: 2021 If the Standard observes that the Contract Documents are at variance therewith, it shall promptly notify the County in writing. Failure by the Standard to comply with the laws referenced herein shall constitute a breach of this Agreement and the County shall have the discretion to unilaterally terminate this Master Agreement immediately. 24.Notices. Any notices required to be given pursuant to the terms and provisions of this Master Agreement shall be in writing, postage prepaid, and shall be sent certified mail, or emailed to the parties at the addresses listed on the cover page of this Master Agreement. The Contractor and the County may change the above mailing address at any time upon giving the other party written notification. All notices under this Master Agreement must be in writing. The parties are signing this Master Agreement and the attached Disability Program Administrative Services Agreement, and Absence Management Service Agreement as shown by their below duly authorized representatives on the dates indicated below. The parties are signing this Service Agreement on the date indicated below. ATTEST: xysthl'K,, K napl, Clerk of Courts & BOARD 0 COUNTY COMMISSIONERS Comptrofer COLLIE C,10107 TY, FLORID • By: • ,�1 PENNY TAY R, Chair Dated: ((f� ao-ef (SEAL) Attes as to Chairman's 5ianature only: STANDARD: Standard's Wi n sses: STANDARD INSURANCE COMPANY jrfriffrtr- 9776f", First Witn By: Sign r Taiinwl,q . ds.14,a< TType/print fitness nameT I? TType/print signature and titleT Second Witness •21-70 67 ///1 l� . /)i,',T� Date Type/print T7-ype/print witness nameT Appr as to F • and egality: De uV,,Coun Attune Print Name Standard Insurance Company Master Agreement Page 6 of 7 Issued: 2021 A.O This page intentionally left blank. Standard Insurance Company Master Agreement Page 7 of 7 Issued: 2021 0 Exhibit A to Master Agreement STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 ABSENCE MANAGEMENT SERVICE AGREEMENT Client: Collier County Board of County Commissioners Master Agreement Number: 759081 Absence Management Service Agreement Number: 759081-B Absence Management Service Agreement Effective Date: January 1, 2022 This Absence Management Service Agreement ("Absence Management Service Agreement") is made part of and incorporates herein the terms and conditions of the above referenced Master Agreement between Standard Insurance Company ("Standard") and the Collier County Board of County Commissioners, Florida, c/o Risk Management Division ("Client" or "County") collectively known as the "Parties". 1. Scope of Absence Management Services. A. Standard's absence management services consist of the following: (1) Administration of federal Family and Medical Leave Act (FMLA); (2) Tracking leaves taken for military service under the Uniformed Services Employment and Reemployment Rights Act (USERRA); (3) Administration of state family and medical leave laws; (4) Administration of other state leave laws; (5) Administration of Client's company-sponsored leaves according to mutually agreed upon procedures; and (6) A combined administrative process for management of leaves of absence together with any fully insured disability policies issued by Standard. B. Standard will perform the absence management services in accordance with its internal operational procedures. C. Standard will provide correspondence templates that support the leaves administered. Any changes or customizations requested by Client will not be reviewed by Standard for compliance with any laws or any special agreements such as a collective bargaining agreement. D. Standard can track all leaves under administration in accordance with Client's systems in increments of one minute or greater. Unless specified otherwise, all leaves under administration tracked by Standard will be in one -minute increments. Standard Insurance Company Page 1 of 5 Absence Management Service Agreement 05/17/2021 E. Provide periodic compliance updates notifying Client of changes in the law that may be of interest or impact leave administration processes. 2. Employees Covered under this Absence Management Service Agreement. Standard will provide absence management services to all employees regardless of whether the employees are covered under other Standard plans. 3. Client's Obligations. Client shall: A. Provide Standard with employee and Client data required by Standard to set up, implement, and administer absence management services; and provide such data in a media (electronic or paper) and a format requested by Standard. B. Provide data feed daily or weekly as determined by the Client and Standard to maintain service levels as described in the Eligibility Feed Specifications document, and Historic Data Conversion Specifications, and any other information necessary to implement the absence management service for Client. C. Provide Standard, in writing, the names of individuals authorized to act for Client in connection with this Absence Management Service Agreement, together with a statement of the extent of their authority, and promptly notify Standard when such authorization ends. D. Furnish any information reasonably required by Standard to carry out its duties under this Absence Management Service Agreement, including but not limited to accurate information regarding an employee's weekly work schedule. E. Provide Standard, in writing, copies of company-sponsored leave policies that Standard is administering on behalf of Client, including amendments or revisions, as may reasonably be required for Standard to fulfill its obligation under this Absence Management Service Agreement. F. Retain authority to make final determinations on whether or not an individual employee is eligible for any of the leaves administered by Standard under this Absence Management Service Agreement. G. Retain the duty to comply with other notice requirements not otherwise specified in this Absence Management Service Agreement (e.g. posting requirements, language translation requirement). H. Pay the costs of any and all independent medical exams ('IME"), scheduled at the request of the Client for obtaining second or third opinions that are permitted by state or federal laws. Billing procedures for IMEs are to be mutually agreed upon by the parties. I. Provide a response within 2 business days to Standard's inquiries regarding employee eligibility or information otherwise not provided on the eligibility feed. 4. Fees and Payment. A. The fees for the services described in this Absence Management Service Agreement are shown in the Fee Schedule below. B. Standard may change the amount, the method of determination, or both, of any fees not yet due, when: (1) A change in any law or regulation affects the manner in which Standard performs any function under this Absence Management Service Agreement; or (2) If the incidence rate is 20% or more higher in the first year than what was assumed for pricing; or factors material to the underwriting risk we assumed, including but not limited to the number of lives under administration, change by 25% or more; or (3) Client and Standard mutually agree in writing to a change in fees. Standard Insurance Company Page 2 of 5 Absence Management Service Agreement 05/17/2021 it C. Except as provided above, the fees will not be changed during the Initial Rate Guarantee Period of January 1, 2022 through January 1, 2025. Thereafter, Standard may change the amount, the method of determination, or both, of any fees not yet due, upon 180 days written notice to Client. No such change in fees shall be made more than once in any calendar year. D. All fees are due and payable within 45 days of Client's receipt of a Proper Invoice in compliance with Chapter 218, Florida Statutes, otherwise known as the "Local Government Prompt Payment Act." Fee Schedule Service Description Fee Administrative Services "Per Employee Per Month" (PEPM) For $2.15 FMLA, State Leaves and USERRA Cost per Company Leave of Absence PEPM $.08 Takeover of Open Claims' Flat rate $7,500 or Per claim $150 One Time Implementation Fee No charge Additional Data Mapping Fee (per additional feed) $1,500 'Flat rate of$7,500 for takeover of more than 50 active claims, unless the total number of claims is or drops below 50, in which case the rate is calculated at$150 per claim. Rate also includes loading of historical data as part of the takeover process, provided the employer has credible historical data. 5. Additional Services. In the event that Client desires that Standard perform consulting or other services related to leave management that are not otherwise outlined in this Absence Management Service Agreement, and if Standard agrees to provide such additional services, then Standard and Client will agree on the rate to be charged by Standard for performance of additional services prior to the commencement of any additional work. 6. Record Ownership. All documents, records, reports and data stored in Standard's possession relating to the administration of Client's leave service shall at all times be considered the property of Client, subject to the following: A. Standard's right to possession during the continuance of this Absence Management Service Agreement. B. Records obtained for the purpose of investigating and administering disability claims under Standard's insurance policies are owned by Standard and shall be retained pursuant to applicable insurance laws and Standard's records retention policy. C. The Florida Public Records Law, Chapter 119, Florida Statutes. 7. Change to Service Agreement. The terms of the absence management services are governed under the Master Agreement and this Absence Management Service Agreement. The Absence Management Service Agreement may be changed in whole or in part but no change in the Absence Management Service Agreement will be valid unless it is approved in writing and signed by both Standard and the Client. Client and Standard represent and warrant that signers to any changes are authorized to accept changes to the Absence Management Service Agreement. 8. Disclaimers. A. While Standard will track and report leaves as specified in this Absence Management Service Agreement and will also take responsibility for leave administration as specifically agreed to in Standard Insurance Company Page 3 of 5 Absence Management Service Agreement 05/17/2021 0 this Absence Management Service Agreement, Standard cannot guarantee Client's compliance with other laws (such as the Americans with Disabilities Act Amendments Act of 2008 (ADAAA), workers' compensation, and Consolidated Omnibus Budget and Reconciliation Act(COBRA)) that may impact employee leave rights or rights upon termination of employment. Note: Some states have anti-discrimination laws which may require employers to provide accommodations which could include a leave of absence. Unless otherwise specified in this Absence Management Service Agreement or specifically agreed upon by Standard and Client, these leave accommodations are not part of Standard's absence management services. B. Some Clients may be subject to certain laws, or have company policies that provide accrued leave or salary during an approved leave of absence. Standard does not administer paid leave policies. C. Certain leave laws may specify that an employer is required to maintain specific health or other benefits during an employee's leave of absence. Standard does not assist with collection of premium or other fees associated with such obligations. D. Standard shall not be considered to have failed to perform its obligations under this Absence Management Service Agreement if any delay or nonperformance on its part is due, in whole or in part, to Client's failure to discharge its own obligations promptly. E. Standard is not responsible for timely notification or administration of leaves (consistent with the timeframes outlined in this Absence Management Service Agreement) in situations where Standard did not receive timely notification of the need for leave. F. Standard shall not be held responsible for complying with timeliness guarantees where Client has instructed Standard to designate leave based on determination by a secondary source. G. Some reports and notifications provided as part of this absence management service contain private, sensitive or medical information. Client remains responsible for determining who within Client's organization have access or permissions to review reports or receive emails. H. Standard's absence management service is limited to the service described in this Absence Management Service Agreement, and any service not described is considered outside the scope of Standard's service and remain the responsibility of Client. 9. Termination of Service Agreement. This Absence Management Service Agreement terminates automatically when the Standard is no longer providing administrative services to the Client for a self-insured short term disability plan. 10.Collier County Agreement No. 21-029-NS. For ease of reference only, for the Client's SAP Administrative contract tracking application, the following agreements with Standard may also be referred to collectively as Collier County Agreement No. 21-029-NS: • Master Agreement Number - 759081 • Disability Program Administrative Services Agreement-ASO Number 759081-A • Absence Management Service Agreement Number- 759081-B Standard Insurance Company Page 4 of 5 Absence Management Service Agreement 05/17/2021 The parties are signing this Service Agreement on the dates indicated below. STANDARD INSURANCE COMPANY COLLIER C‘U► Y BOARD OF COUNTY COMMISS O "S By. CIA/9 ''..3/171.- .r. Greg Ness Name: +� President e1t.L6. Title: C�.e Date: 05/ 17/2021 Date: �c,J 131 \ AP:ES1' AL K.`1 IN A a:to hipdity { ,CLERK -.1 Sco .Teac Deputy County Attorney S1 aS t0 S Standard Insurance Company Page 5 of 5 Absence Management Service Agreement 05/17/2021 • Exhibit B to Master Agreement STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 DISABILITY PROGRAM ADMINISTRATIVE SERVICES AGREEMENT Program Sponsor: Collier County Board of County Commissioners Program Administrator: Collier County Board of County Commissioners Claims Administrator: Standard Insurance Company ASO Number: 759081-A Master Agreement Number: 759081 Effective Date: January 1, 2022 This Disability Program Administrative Services Agreement ("Disability Program Agreement") is made part of and incorporates herein the terms and conditions of the above referenced Master Agreement between Standard Insurance Company ("Standard") and the Collier County Board of County Commissioners, Florida, c/o Risk Management Division ("Program Sponsor" or "County") collectively known as the "Parties". Program Sponsor has adopted a self-funded short-term disability income benefit program (Program) for certain of its employees. Program Sponsor is solely responsible for all risks, liabilities, benefits and claims under the Program. Program Sponsor has requested Standard to provide administrative services to the Program as described in this Disability Program Agreement. Standard is willing to provide such services, according to the terms of this Disability Program Agreement, without assuming any financial responsibility under the Program. Standard's willingness to provide administrative services is conditioned upon Program Sponsor's agreement that Standard is not responsible for any risk, liability, benefit or claim under the Program and upon Program Sponsor fulfilling its obligations as provided herein. Standard Insurance Company Page 1 of 10 Disability Program Administrative Services Agreement Issued 2021 LAO LIMITED AGENCY APPOINTMENT OF STANDARD Program Sponsor hereby appoints Standard to act on its behalf as Claims Administrator for the Program and grants to Standard authority to fulfill the Obligations of Claims Administrator, as provided herein. Standard is empowered to act on behalf of Program Sponsor in connection with the Program only as expressly stated in this Disability Program Agreement. Standard has no authority or obligation with respect to (1) Program Sponsor's right of subrogation under the Program, or (2) management or investment of the assets of the Program. In performing its obligations under this Disability Program Agreement, Standard is acting solely as the agent of Program Sponsor. OBLIGATIONS OF CLAIMS ADMINISTRATOR Standard, acting as Claims Administrator for the Program, shall provide the following services, consistent with the terms of the Program: A. Claims Services 1) Investigate claims for benefits under the Program, determine eligibility for coverage, make initial claim decisions to approve, deny or close claims for benefits, determine the amount of benefits payable, and notify claimants and Program Sponsor in writing of its decisions, subject to Program Sponsor's right of final review and decision on all claims. 2) If an appeal is requested by the claimant, provide an independent review and notify claimant and Program Sponsor in writing of Standard's decision, subject to Program Sponsor's right of final review and decision on all appeals. 3) Advise and assist Program Sponsor on procedures to be followed in submission of claims, including the preparation of forms necessary for submission and processing of claims. 4) Create and maintain a current and complete claim file for any claim presented to Standard for administration under the Program. 5) Submit to Program Sponsor all claims Program Sponsor may request to review. 6) Issue checks in a timely manner in payment of claims approved. 7) Prepare benefit statements for claimants setting forth the benefit schedule applicable and explaining any adjustments. 8) Have medical and vocational examinations of claimants performed as Standard deems advisable 9) If required under the terms of the Program, advise claimants concerning the need to apply for deductible income and periodically verify application for or receipt of deductible income. 10) Collect any overpayment of benefits paid to claimants, by applying Program benefits payable to reduce the amount of overpayment due under the Program. This Disability Program Agreement does not give Standard authority to pursue subrogation remedies on behalf of Program Sponsor. 11) Review claims to determine continued eligibility for benefits as frequently as claimant's condition warrants. 12) Upon written request,provide Program Sponsor with periodic listings of all payments made under the Program B. Tax Withholding and Related Services 1) Withhold federal income and employment taxes from benefit payments and deposit such amounts with the Internal Revenue Service under Standard's employer identification number (EIN). Prepare and distribute Form W-2 reports for such taxes and benefits. Standard Insurance Company Page 2 of 10 Disability Program Administrative Services Agreement Issued 2021 Under Internal Revenue Code section 105(a) benefits paid under the Program are included in employee gross income and subject to tax to the extent such amounts are attributable to contributions by the employer that were not includable in the gross income of the employee. To the extent Program benefits are included in employee gross income, such benefits are "wages" as provided in IRC sections 3121(a) and 3401(a). Standard shall withhold federal income tax using the applicable flat rate as provided in IRS regulation 31.3402(g)-1. However, if the employee provides a valid Form W-4, Standard shall withhold federal income tax using the percentage method under IRC section 3402(b). Standard shall withhold federal employment taxes as provided in IRS regulation 31.3102-1 and temporary regulation 32.1. 2) On behalf of Program Sponsor, pay the employer's matching Social Security and Medicare taxes and deposit such amounts under Standard's EIN. Standard shall not be responsible for payment of any other federal or state employment or other taxes, including unemployment taxes (FUTA). C. Program Document Services 1) Advise and assist Program Sponsor with regard to the initial preparation of the Program and recommend subsequent revisions as may be appropriate. 2) Advise and assist Program Sponsor with regard to the preparation and review of Program summaries, descriptive booklets, certificates of coverage and similar material for distribution to covered employees. D. Actuarial Services Upon written request: 1) Provide an estimate of the open and unreported claim liability of Program Sponsor. 2) Provide cost estimates for any changes in the Program. 3) Submit to Program Sponsor periodic reports summarizing the financial experience of the Program and provide data required for compliance with state and federal disclosure legislation. E. Performance Standards Standard shall exercise ordinary care and reasonable diligence in the performance of its duties under this Disability Program Agreement. Standard will not be liable for any mistake of judgment or other action taken in good faith. Further, Standard shall not be considered to have failed to perform its obligations under this Disability Program Agreement if any delay or nonperformance on its part is due, in whole or in part, to Program Sponsor's failure to discharge its own obligations promptly. OBLIGATIONS OF PROGRAM SPONSOR Program Sponsor shall: A. Retain full financial responsibility for the Program and its operation. B. Furnish any information reasonably required by Standard to carry out Standard's duties under this Disability Program Agreement, including but not limited to relevant program documents and any other administrative guidance necessary to administer the program. C. Execute authorizations or corollary agreements necessary for Standard to execute its obligations under this Disability Program Agreement. D. Review Standard's claim and appeal decisions in a timely manner. If Program Sponsor fails to notify Standard in writing of any objection it may have to any such decision within 45 days after notice thereof from Standard, Program Sponsor shall be deemed to have waived such objection and shall be conclusively presumed to have ratified and approved Standard's decision. Standard Insurance Company Page 3 of 10 Disability Program Administrative Services Agreement Issued 2021 C E. Defend claim litigation arising out of or relating to, in whole or in part, the financial responsibility of Program Sponsor for the risks, liabilities and benefits of the Program, regardless of whether such liability, claim, lawsuit, or administrative proceeding is rightfully or wrongfully brought or filed. Program Sponsor agrees that Standard may, at Standard's option and expense, assume the defense obligation of any such liability, claim, lawsuit, or administrative proceeding. In the event Standard exercises this option to assume the defense, Standard shall have the sole authority for the direction of defense, including selecting defense attorneys and determining defense strategy. In such event, Standard shall be empowered to judge the acceptability of any compromise and to settle any such liability, claim, lawsuit or administrative proceeding. Prior to entering into any settlement or compromise on behalf of Program Sponsor, Standard will make a recommendation to Program Sponsor for approval, which approval shall not be unreasonably withheld but is ultimately subject to approval by the Program Sponsor. F. Promptly reimburse Standard from the Program Sponsor's general assets for benefits advanced and taxes paid by Standard under the Program. G. Establish and maintain such accounts and records as may be required in accordance with this Disability Program Agreement. H. Provide Standard with all amendments or modifications to the Program at least 60 days prior to the proposed effective date of the change. Standard shall have no obligation to administer any such change unless and until approved by Standard, which approval shall not be unreasonably withheld. Standard retains the right to modify the Fees to reflect any additional services or expenses required by such change. I. Provide Standard in writing with the names of individuals authorized to act for Program Sponsor in connection with this Disability Program Agreement, together with a statement of the extent of their authority. J. Identify Standard as Claims Administrator in relevant Program documents and related materials. Any other use of Standard's name in connection with Program administration must be authorized in advance and in writing by Standard. BENEFIT PAYMENTS AND REIMBURSEMENTS A. Benefits payable under the Program will be paid by checks drawn against Standard's accounts. The Program Sponsor will reimburse Standard for all benefits paid, administrative fees, and Social Security and Medicare taxes paid by Standard on behalf of Program Sponsor, within 15 days after Standard sends notice to the Program Sponsor of the amount due Standard. Standard will notify the Program Sponsor of the amount due as often as Standard deems necessary, but no less than once each month. B. If Program Sponsor fails to reimburse Standard for all such benefits paid as well as any outstanding administrative fees and/or taxes owed by the Program Sponsor, within 30 days after notice of the amount due is sent by Standard, Standard shall cease issuing benefit checks until Standard has been reimbursed in full. C. If at any time during the term of this Disability Program Agreement, Program Sponsor fails for a second time to reimburse Standard as required, Standard shall cease issuing benefit checks and may, at its option, immediately terminate this Disability Program Agreement and institute collection action. FEES A. Fees Program Sponsor shall pay fees to Standard in connection with Standard's services under this Disability Program Agreement as follows. Standard Insurance Company Page 4 of 10 Disability Program Administrative Services Agreement Issued 2021 MONTHLY GENERAL FEE. The Monthly General Fee for the first calendar month of this Disability Program Agreement and for each calendar month thereafter shall be $1.72 per employee covered under the Program. ADDITIONAL FEES. Additional Fees for other services may be charged to Program Sponsor upon mutual agreement between Program Sponsor and Standard. B. Change in Fee Rates 1) Standard may change the amount, the method of determination, or both, of any fees not yet due, when a change in any law or regulation affects the manner in which Standard performs any function under this Disability Program Agreement. The amount, the method of determination, or both, of any fees not yet due may also be changed upon mutual agreement between Program Sponsor and Standard. 2) Except as provided in Paragraph 1) of this section: a. Fees will not be changed during the first three years the Disability Program Agreement is in effect, provided that this limitation shall not apply to any changes in fees in connection with any change in the terms of this Disability Program Agreement or the Program. b. Thereafter Standard may change the amount, the method of determination, or both, of any fees not yet due, upon 60 days written notice to Program Sponsor. Except as provided in Paragraph 1) of this section, no such change in fees shall be made more than once in any Contract Year, provided that this limitation shall not apply to any changes in fees in connection with any change in the terms of this Disability Program Agreement or the Program. C. Payment Due Dates The Initial Contract Fee is due and payable within 45 days from the date of the Program Sponsor's receipt of a Proper Invoice from Standard in compliance with Chapter 218, Florida Statutes, otherwise known as the "Local Government Prompt Payment Act," from the effective date of the Disability Program Agreement. All other fees are due and payable within 45 days from the date of the Program Sponsor's receipt of a Proper Invoice from Standard of the amount owed in compliance with the "Local Government Prompt Payment Act." INTEREST ON LATE PAYMENTS All payments due from the Program Sponsor not made within the time specified in the above Section C, Payment Due Dates, shall bear interest payable to Standard from 30 days after the due date at a rate of 1 percent per month on the unpaid balance as provided by Section 218.74, Florida Statutes. Standard must invoice the Program Sponsor for any interest accrued in order to receive the interest payment. INDEMNIFICATION AGREEMENT A. Except as provided in sections B and C below, Standard and Program Sponsor each undertakes and agrees to indemnify, defend, and hold harmless the other, including directors, officers, and employees, from any and all liabilities, claims, lawsuits, administrative proceedings, settlements, compromises,judgments, penalties, costs and expenses, including but not limited to, attorney's fees, pretrial discovery, deposition and investigation expenses, compensatory, consequential, special, exemplary and punitive damages arising out of or relating to, in whole or in part, any negligent act or omission, criminal conduct or fraud, or intentional failure to perform any obligation under the Program or this Disability Program Agreement. Program Sponsor's duty to defend, indemnify, and hold harmless shall not constitute a waiver of its sovereign immunity beyond the limits set forth in Florida Statutes, Section 768.28, nor shall the same be construed to constitute agreement by Program Sponsor to indemnify Standard for its negligent, willful or intentional acts or omissions. Standard Insurance Company Page 5 of 10 Disability Program Administrative Services Agreement Issued 2021 B. Taxes: Notwithstanding any other provision of this Disability Program Agreement to the contrary, Standard agrees to pay all federal, state, and local corporate income and excise taxes (and interest and penalties that may be assessed thereon) that are due from Standard because of the receipt by Standard of amounts due it pursuant to the Fees section of this Disability Program Agreement. As limited by law, Program Sponsor specifically agrees to indemnify, defend and hold Standard harmless from any and all other tax liabilities, claims or assessments for federal, state, or local taxes (and interest and penalties that may be assessed thereon), including but not limited to, premium or similar taxes, that may become due or may be assessed against Standard because of the receipt by or attribution to Standard of amounts paid or due pursuant to the Fees or Benefit Payments And Reimbursements sections of this Disability Program Agreement or because of any other cause for which Program Sponsor is obligated to indemnify Standard under this Disability Program Agreement. Program Sponsor shall, at its option, either: 1) Challenge any such tax liability, claim or assessment on behalf of Standard; or 2) Pay to Standard the amount of taxes and any interest and penalties assessed thereon that are due or assessed or claimed to be due. Standard will provide written notice to Program Sponsor of the amount due or assessed or claimed to be due, and Program Sponsor will pay Standard that amount within 15 days of sending of the notice of the amount due or assessed or claimed to be due. Payment pursuant to this paragraph shall release Program Sponsor from any further obligations under this section with respect to the tax claim or assessment that was paid. C. Nothing in this Indemnification Agreement section is intended to or does alter the obligations of the Program Sponsor to bear full financial responsibility for any benefits payable under the Program or to defend litigation related to such benefits as set forth in the Obligations Of Program Sponsor section of this Disability Program Agreement. RECORDS AND CLAIM FILES A. All claim files, records, reports, and other information prepared and maintained by Standard pursuant to this Disability Program Agreement shall be the sole property of Program Sponsor, subject to Standard's right to retain copies of any such information. B. Upon reasonable written request, and during regular business hours Program Sponsor shall have the right to inspect any claim file and any other record or report, including but not limited to records relating to payments of benefits that have been prepared and maintained by Standard, pursuant to this Disability Program Agreement. C. All claim files and other records and reports prepared and maintained by Standard pursuant to this Disability Program Agreement shall be confidential. Standard shall take such measures as are reasonably necessary to preserve the confidentiality of such claim files, records and reports. No individually identifiable information will be released from any such claim file, except as follows: 1) In response to a court order. 2) For an examination conducted by regulatory authorities. 3) At the request of the Program Sponsor. 4) With the written consent of the identified individual or his or her legal representative. Pursuant to the Obligations Of Program Sponsor section of this Disability Program Agreement, Program Sponsor shall designate employees or agents who are authorized to receive individually identifiable claim information on behalf of Program Sponsor. Standard may rely upon such authorizations until receipt of written instructions changing such authorizations. D. Any individually identifiable claim information released to Program Sponsor pursuant to this Disability Program Agreement shall be treated as "confidential information", which shall mean information that is not generally released to third parties in the absence of confidentiality Standard Insurance Company Page 6 of 10 Disability Program Administrative Services Agreement Issued 2021 requirements; or is not generally released to third parties unless required by law; or is classified under state or federal law as confidential or private information which disclosure is restricted by law; or is proprietary and the disclosure of which would be detrimental to the Program Sponsor or Standard. Program Sponsor shall protect such information from unauthorized disclosure. E. Claim files, records, reports and other information prepared and maintained by Standard pursuant to this Disability Program Agreement may be destroyed by Standard at any time after seven years or such longer period as mandated by state or federal law. With respect to claim files, the seven-year period begins on the date benefits cease to be paid to the claimant. Program Sponsor may receive an inactive claim file at any time within the first 60 days after benefits cease by sending a written request to Standard and payment of Standard's reasonable shipping and handling costs. AMENDMENT This Disability Program Agreement constitutes the entire contract between the parties, superseding all prior or contemporaneous written or oral understandings and agreements. No modification or amendment of this Disability Program Agreement shall be valid unless made in writing and signed by each party. ASSIGNMENT AND MISCELLANEOUS PROVISIONS A. Neither party shall assign this contract without the prior written consent of the other party. B. Standard will not be bound by any notice, direction, requisition, or request unless and until it is received in writing at Standard's home office at Portland, Oregon. C. This Disability Program Agreement shall be deemed to have been entered into in the State of Florida, and all questions concerning validity, interpretation, or performance of any of its terms or provisions or of any rights or obligations of the parties to this Disability Program Agreement, shall be governed by and resolved in accordance with the laws of Florida. Any suit or action brought by either Party to this Contract against the other Party, relating to or arising out of this Contract, must be brought in the appropriate federal and state courts in and for Collier County, Florida, which courts shall have sole and exclusive jurisdiction on all such matters. D. Captions of the parts, sections, and paragraphs of this Disability Program Agreement are for convenience and reference only, and the words contained in such captions shall in no way be employed to explain, modify, amplify, or aid in the interpretation, construction, or meaning of the provisions of this Disability Program Agreement. E. Standard has not and will not provide legal advice, legal opinions or other legal services to Program Sponsor in establishing or maintaining the Program or relative to this Disability Program Agreement. Program Sponsor will rely solely upon the advice of its own legal counsel in evaluating the legal aspects of the Program and this Disability Program Agreement. F. Each party shall promptly give the other written notice of any claim, lawsuit, or administrative proceeding concerning a claim for benefits under the Program or any other matter embraced by the indemnity. The parties shall cooperate fully in the defense of any such claim, lawsuit, or proceeding. G. If litigation arises out of this Disability Program Agreement, the prevailing party shall be entitled to recover legal expenses, including but not limited to, attorney's fees, pretrial discovery, deposition and investigation expenses, and other expenses reasonably and necessarily incurred in such litigation at the trial and appellate court levels. H. Standard represents and warrants that it will remain, throughout the period in which this Agreement is effective, in compliance with all laws, rules, and regulations that are now or hereafter promulgated by any governmental authority or agency that govern or apply to the operation and/or use of the services described herein or that otherwise govern or apply to Standard. This includes Florida Statute § 501.171. Security of Confidential Personal Information. Standard Insurance Company Page 7 of 10 Disability Program Administrative Services Agreement Issued 2021 By executing and entering into this Agreement, the Standard is formally acknowledging without exception or stipulation that it agrees to comply, at its own expense, with all federal, state and local laws, codes, statutes, ordinances, rules, regulations and requirements applicable to this Agreement, including but not limited to those dealing with the Immigration Reform and Control Act of 1986 as located at 8 U.S.C. 1324, et seq. and regulations relating thereto, as either may be amended; taxation, workers' compensation, equal employment and safety including, but not limited to, the Florida Public Records Law Chapter 119, including specifically those contractual requirements at F.S. § 119.0701(2)(a)-(b) as stated as follows: IF THE STANDARD HAS QUESTIONS REGARDING THE APPLICATION OF CHAPTER 119, FLORIDA STATUTES, TO THE STANDARD'S DUTY TO PROVIDE PUBLIC RECORDS RELATING TO THIS CONTRACT, CONTACT THE CUSTODIAN OF PUBLIC RECORDS AT: Division of Communications, Government and Public Affairs 3299 Tamiami Trail East, Suite 102 Naples, FL 34112-5746 Telephone: (239) 252-8999 Email: PublicRecordRequest(2colliercountyfl.gov The Standard must specifically comply with the Florida Public Records Law to: 1. Keep and maintain public records required by the public agency to perform the service. 2. Upon request from the public agency's custodian of public records, provide the public agency with a copy of the requested records or allow the records to be inspected or copied within a reasonable time at a cost that does not exceed the cost provided in this chapter or as otherwise provided by law. 3. Ensure that public records that are exempt or confidential and exempt from public records disclosure requirements are not disclosed except as authorized by law for the duration of the contract term and following completion of the contract if the Standard does not transfer the records to the public agency. 4. Upon completion of the contract, transfer, at no cost, to the public agency all public records in possession of the Standard or keep and maintain public records required by the public agency to perform the service. If the Standard transfers all public records to the public agency upon completion of the contract, the Standard shall destroy any duplicate public records that are exempt or confidential and exempt from public records disclosure requirements. If the Standard keeps and maintains public records upon completion of the contract, the Standard shall meet all applicable requirements for retaining public records. All records stored electronically must be provided to the public agency, upon request from the public agency's custodian of public records, in a format that is compatible with the information technology systems of the public agency. If the Standard observes that the contract documents are at variance therewith, it shall promptly notify the County in writing. Failure by the Standard to comply with the laws referenced herein shall constitute a breach of this Agreement and the County shall have the discretion to unilaterally terminate this Agreement immediately. I. Any notices required to be given pursuant to the terms and provisions of this Agreement shall be in writing, postage prepaid, and shall be sent certified mail, or emailed to the parties at their designated addresses. The Contractor and the County may change their mailing/email addresses at any time upon giving the other party written notification. All notices under this J. It is understood and agreed by and between the parties that this Agreement is subject to appropriation by the Collier County Board of County Commissioners. Standard Insurance Company Page 8 of 10 Disability Program Administrative Services Agreement Issued 2021 K. The Standard's Proposal to RFP No. 21-029-NS dated April 9, 2021, and the Insurance Certificate(s) referenced in the below section are hereby incorporated by reference and made part of this Agreement as if fully included herein. INSURANCE Standard shall provide insurance as follows: A. Commercial General Liability: Coverage shall have minimum limits of $1,000,000 Per Occurrence, $2,000,000 aggregate for Bodily Injury Liability and Property Damage Liability. This shall include Premises and Operations; Independent Contractors; Products and Completed Operations and Contractual Liability. B. Workers' Compensation: Insurance covering all employees meeting Statutory Limits in compliance with the applicable state and federal laws. The coverage must include Employers' Liability with a minimum limit of $1,000,000 for each accident. C. Automobile Liability: $1,000,000 Combined single limit. D. Cyber Liability: $5,000,000 Aggregate/Per Claim. E. Managed Care E&O: Minimum limit of$3,000,000 per occurrence. Special Requirements: Client, Collier County Board of County Commissioners, shall be listed as the Certificate Holder and included as an "Additional Insured" on the Insurance Certificate for Commercial General Liability where required. Except for Professional Liability and Technology Errors and Omissions, this insurance shall be primary and non-contributory with respect to any other insurance maintained by, or available for the benefit of, the Additional Insured and the Standard's policy shall be endorsed accordingly. TERM AND TERMINATION A. Contract Years are successive twelve-month periods computed from the Effective Date of this Disability Program Agreement, commencing as of the Effective Date of this Disability Program Agreement, for a period of three years. The date of termination of this Disability Program Agreement, unless otherwise specified, shall be deemed to be the last day of the last twelve-month period. B. This Disability Program Agreement may be terminated by either party upon sixty (60) days written notice of termination provided to the other party. C. This Disability Program Agreement will terminate automatically on the date of termination of any group long term disability insurance policy issued to Program Sponsor by Standard. D. Program Sponsor's failure to pay Fees or to reimburse Standard pursuant to Benefit Payments And Reimbursements, or Program Sponsor's failure to fulfill its obligations under Indemnification Agreement, shall terminate this Disability Program Agreement upon written notice by Standard to be delivered to Program Sponsor at its last known address. E. Effect of Termination. 1) Claims Administration Notwithstanding termination of this Disability Program Agreement, the Standard may at its option continue to provide claim services with respect to any claim for benefits under the Program Standard Insurance Company Page 9 of 10 Disability Program Administrative Services Agreement Issued 2021 with an incurred date occurring on or before the date of termination. Program Sponsor shall see to it that any such claim is immediately sent to Standard. Standard may administer any such claim until it determines the claim is inactive. The terms and provision of this Disability Program Agreement shall continue to apply where applicable to the runoff of such claims, specifically including Program Sponsor's obligation to make funds available for payment of benefits. 2) Claims Records Standard may retain any open or active claim files as provided in item E.1 above of the Term And Termination section of this Disability Program Agreement. Any such files not retained by Standard shall be sent to Program Sponsor or its successor administrator promptly upon payment of Standard's reasonable shipping and handling costs. Standard shall retain all inactive claim files and other records and reports relating to such claims and prepared and maintained by Standard pursuant to this Disability Program Agreement, and may destroy such files, etc. as provided in Records and Claim File provision. Program Sponsor may obtain possession of such extant claim files, records and reports upon written request to Standard and payment of Standard's reasonable shipping and handling costs. Program Sponsor acknowledges that locating and processing such files and records may be difficult and time consuming and may substantially increase the shipping and handling costs it is obligated to pay. F. Outstanding Obligations Notwithstanding any other provision of this Disability Program Agreement to the contrary, the termination of this Disability Program Agreement shall not release either party from any obligation already incurred, including any payment obligation already incurred under the Fees or Benefit Payments And Reimbursements provision. Further, provisions of the Indemnification Agreement and defense obligations under Obligation Of Program Sponsor, and the confidentiality provisions under Records And Claim Files sections will not be affected by the termination of this Disability Program Agreement and will remain in full force and effect. IN WITNESS WHEREOF, the parties hereto have caused this agreement to be executed in duplicate by their respective officers duly authorized to do so. Program Sponsor: Date -13 021 014419 ATTEST, CR ✓ AL K.KIN 0.,ERK STANDARD INSURANCE COMPANY Attest,as to,,c 8kfhan's By signature only. Chairman and CEO Corporate Secretary STASOAG1 (ASO) roved as to and legality Standard Insurance Company Page 10 of 10 Disability Program Administrative Services Agreement //- Issued 2021 Scott R. Teach,Deputy County Atto r u 3y jki 3°O h.; 4 ��� fs-:� �' ,.9 1 i p �`'�'` .ram. �/,y°.,.y','v° ��°%', a . . �1k , :n rd 3 .:� ; 11 Your E m e ,„.: .„.. . ,:...,::,.:,:„.. ..,,,,r., 1,,•,,.:,„'..,.;•„:.,, . Benefits 0 S ,..4' r Prepared RS WATSON - BROOKFIELD for: Collier County Government Presented by: WILLIS TOWE Proposal Prepared on: Life and AD&D Insurance April 9, 2021 Additional Life lnsurance Accidental Death and Dismemberment Insurance Proposed Effective Date: Long Term Disability Insurance January 1, 2022 Short Term Disability Insurance Self-Funded Short Term Disability Absence Management Services -meStandard itilStandard Insurance Company Proposed Effective Date Prepared for: January 01,2022 Collier County Government TivSt l,dard Life and AD&D Insurance Handling a Life insurance claim takes a special touch. All of our Life benefits employees complete annual grief training helping them to empathize with beneficiaries and recognize when they need special attention. And we're focused on settling claims quickly: Our median calculation turnaround time in 2018 was 5 days for clean claims and 6 days for all claims(internal company data as of January 2019). Covered Members A retired employee of the Employer. An active employee of the Employer working 30 or more hours per week. • Class 1:County Attorney&County Manager • Class 3: Retirees electing coverage • Class 2: Employees not covered in any other Class • Class 4: Employees waiving taxable benefits Basic Class 1 fClass 2 Class 3 Class 4 Benefit Schedule ,'>; 3x Annual Earnings 2x Annual Earnings Flat$2,000 Flat$50,000 Maximum Benefit $750,000 1 $500 000 n/a n/a Guarantee Issue Full Benefit Fu ll Benefit Full Benefit Full Benefit AD&D Benefit Matches Life Benefit Matches Life Benefit n/a I Match es Life Benefit Age Reduction Schedule To 40%at age 70 To 40%at age 70 I None i To 40%at age 70 ' Employer Contribution 100% 1 100% 0% 100% Minimum Participation 1 100% 100% Greater of 25%or 10 lives 100% Life Highlights w.,, f :,A..� -,%? ' Basic 4 Class 1 Class 2 Class 3 Class 4 Eligible to age 60 Eligible to age 60 Eligible to age 60 Waiver of Premium Waived to age 70 Waived to age 70 Not Included Waived to age 70 Age reductions apply Age reductions apply Age reductions apply Conversion Included I Included Included Included Portability Included I Included Included Included Repatriation Benefit Included Included Included Included Travel Assistance Included r Included Included Included Life Services Toolkit Included Included Included Included PIan2-2413335, 0 1 Proposed Effective Date Prepared for: The$tattdard' January 01,2022 Collier County Government ,,. AD&D Highlights Basic Loss of life + 100%(including disappearance and exposure) Loss of both hands,or both 100% feet,or sight of both eyes Loss of one hand and one 100% foot Loss of sight of one eye and 100% either one hand or one foot Loss of one hand or one foot 50% Loss of sight of one eye 50% Seat Belt Benefit AD&D benefit payable up to$10,000 i Air Bag Benefit AD&D benefit payable up to$5,000 Family Benefits Package - Included Portability Included Loss of sight of one eye and ; 100% loss of speech Loss of sight of one eye and I 100% loss of hearing in both ears a Loss of either one hand or 3 100% "' one foot and loss of speech , Loss of either one hand or r: one foot and hearing in both 100% ears -. Loss of speech and hearing in 100% both ears Loss of speech 50% g Loss of hearing in both ears 50% Loss of thumb and index 25% finger of same hand Quadriplegia 100% Hemiplegia 50% Paraplegia 50% Occupational Assault Benefit 50%of AD&D benefit up to$25,000 Public Transportation Benefit AD&D benefit payable up to$200,000 e 2 Plan 2-2413335; Proposed Effective Date Prepared for: TheStandard January 01,2022 Collier County Government Additional Plan Design Details • We offer a Performance Guarantee: If you are not satisfied with your experience, we will refund 2% of the previous quarter's premium and fees. - For Class 1,2,4:An Accelerated Benefit is included.Terminally ill members may withdraw up to 75%of their Life benefit to a maximum of $500,000 (when Basic Life and any Additional Life are combined). • For Class 3:An Accelerated Benefit is not included. • If Life is sold with Standard's LTD, then the LTD claim will initiate a claim for Standard's Life Waiver of Premium. - The Family Benefits Package includes: —The Higher Education Benefit reimburses tuition expenses up to$5,000 per child per year towards a 4-year college education for the deceased's children-not to exceed a cumulative total of$20,000 or 25%of the AD&D benefit per child,whichever is less. —Career Adjustment Benefit reimburses tuition expenses up to$5,000 per year to help a spouse to return to the workforce after the death of their spouse-not to exceed the cumulative total of$10,000 or 25%of the AD&D benefit,whichever is less. —Child Care Benefit reimburses a family's child care expenses up to$5,000 per year-not to exceed$10,000 or 25%of the AD&D benefit, whichever is less. • A hand and/or foot that is lost and later surgically reattached will still be considered a loss. • Travel Assistance is included and provides assistance with pre-trip planning, medical assistance services, emergency transportation services,travel and technical assistance services and legal referral. • The Life Services Toolkit is included and helps beneficiaries cope with grief and loss, get answers to legal questions, plan a memorial or a funeral, and address financial concerns. Additionally, all covered employees will have access to online will preparation and other estate planning documents as well as articles to help deal with identity theft, improve wellness and more. • The AD&D Occupational Assistance service is included and provides access to a Workplace Possibilities (SM)Consultant who helps those with a specified accidental dismemberment return to productive work and life. - For Class 3: Waiver of Premium is available upon request. - We agree to fund implementation support activities up to$15,000 of expenses, subject to the following conditions: (1)details of implementation support activities will be negotiated with The Standard; (2) all invoices for reimbursement must be submitted at one time; and(3)fees paid will be disclosed to the Policyholder via the 5500 form.The cost has been included in the proposed rates. 3 Plan 2-2413335; ID Proposed Effective Date Prepared for: meStandard January 01,2022 Collier County Government Cost Basic Life Members 2,397 Volume $257,023,000 Rate:Per$1,000 .135 Monthly Premium $34,698 AD8&0 Members 2,364 Volume $256,957,000 Rate:Per$1,000 .025 Monthly Premium $6,424 Total Billed Premium imilminiiezimilaisim Rate Guarantee 3 years • The combined rates for Basic Life Plan 1 and Additional Life Plan 1 are appropriate for the overall risk. As requested,this proposal includes a rate structure similar to what is currently in place and where the non-elective Basic Life rate is partially supported by the participant-elected Additional Life rates. - This rate structure may impact the tax treatment of the coverages under Section 79 of the Internal Revenue Code. Since this is your plan design decision,we encourage you to consult with your own legal and tax counsel to ensure your desired result. Assumptions k • For Class 3: Final rates are subject to change if actual enrollment varies from the assumed enrollment of 53% • Rates include electronic documents. Printed certificates are available for an additional cost. - Rates assume billing is centralized in one location. - The proposed rates assume coverage currently in force. • For Class 1, 2, 4: This is not our customary age-reduction schedule. We assume you have determined that the schedule you requested complies with the ADEA. .................... .......... . • Member must be insured under Basic Life in order to be eligible for Basic AD&D - The elected benefit amount for Basic AD&D must match the benefit amount for Basic Life 4 Plan 2-2413335; Proposed Effective Date Prepared for: Tt,rStandard' January 01,2022 Collier County Government More Information For additional information on the available features and benefits of Life and AD&D Insurance from The Standard, click here: http://www.standard.com/group-life-add Plan 2-2413335; 5 Proposed Effective Date Prepared for: TI E Standard% January 01,2022 Collier County Government Additional Life Insurance Covered Members A retired employee of the Employer. An active employee of the Employer working 30 or more hours per week. Employee Spouse Child Benefit Schedule Increments of$10,000 Increments of$10,000 Increments of$2 500 Maximum Benefit $500,000 i $500,000 $10,000 Minimum Benefit } $10,000 t $10,000 $2,500 Guarantee Issue i $200,000 f $50,000 Full Benefit To 60%at age 75 To 35%at age 80 To 28%at age 85 1 Benefits Term at 75 Age Reduction Schedule r To 20%at age 90 1 To 8%at age 95 To 5%at age 100 ; • 0% o Employer Contribution 0% �0 Minimum Participation Greater of 20%or 10 lives 120% 20% Life Highlights x.; Employee Spouse Child , i Conversion Included iIncluded Included Portability Included Included Included Eligible to age 60 Waiver of Premium Waived to age 70 g Not Included Not Included Age reductions apply Additional Plan Design Details • On the policy effective date, all members(enrolled or eligible) may increase their benefit amount up to the guarantee issue amount without providing evidence of insurability. - An Accelerated Benefit is included. Terminally ill members may withdraw up to 75% of their Life benefit to a maximum of$500,000 (when Basic Life and any Additional Life are combined). - An Accelerated Benefit is not available for dependents. - Life insurance for dependents continues automatically, without premium payment, for five months after the death of the insured member. • Dependents coverage includes child(ren)from live birth through age 25. • The benefit amounts under the current plan are carried forward to this plan. GO 6 Plan 2-2413335; Proposed Effective Date Prepared for: Standard" January 01, 2022 Collier County Government The Cost Employee Life H Members 482 Volume $44,210,000 Rate:Per$1,000 Lives Age Rate: Volume Premium 5 0-24 .090 $430,000 $39 1 15 25-29 .090 $2,060,000 $185 25 30-34 .090 $4,310,000 $388 46 35-39 .130 $5,700,000 $741 34 40-44 .190 $4,580,000 $870 66 45-49 .260 $7,000,000 $1,820 87 50-54 .480 $7,430,000 $3,566 94 55-59 .720 $6,150,000 $4,428 74 60-64 1.010 $4,880,000 $4,929 28 65-69 1.590 $1,300,000 $2,067 6 70-74 2.340 $310,000 $725 2 75-999 2.340 $60,000 $140 Monthly Premium $19,898 Rate Guarantee 3 years Spouse Life Members 291 r' Volume $9,670,000 F Rate:Per$1,000 Lives Age Rate: Volume Premium 0 0-24 .090 $0 $0 1 25-29 .090 $30,000 $3 11 30-34 .090 $450,000 $41 22 35-39 .130 $1,400,000 $182 16 40-44 .190 $630,000 $120 36 45-49 .260 $1,920,000 $499 60 50-54 .480 $2,440,000 $1,171 64 55-59 .720 $1,460,000 $1,051 51 60-64 1.010 $1,060,000 $1,071 25 65-69 1.590 $180,000 $286 5 70-74 2.340 $100,000 $234 Monthly Premium $4,658 Rate Guarantee 3 years Child Elective:Paid by each Member electing coverage Life Members 279 Rate:Per$1,000 .200 Rate Guarantee 3 years 110 Plan 2-2413335; Proposed Effective Date Prepared for: TneStandard January 01,2022 Collier County Government Assumptions • Final Spouse Life rates are subject to change if actual enrollment varies from the assumed enrollment of 61% - Final Additional Life rates are subject to change if actual enrollment varies from the assumed enrollment of 20% - Rates include electronic documents. Printed certificates are available for an additional cost. • Rates assume billing is centralized in one location. • The proposed rates assume coverage currently in force. • Life coverage for spouses terminates at age 75. We assume you have determined that the schedule you have requested complies with the ADEA. • This is not our customary age-reduction schedule. We assume you have determined that the schedule you requested complies with the ADEA. Conditions • Additional Life can only be purchased in conjunction with Basic Life. - Members Basic Life benefits plus Additional Life benefits may not exceed 8 times annual earnings. • Until coverage has been in force for two years(one year in Colorado, Missouri and North Dakota), death that results from suicide or other intentionally self-inflicted injury is not covered.This exclusion does not apply to plans written in Washington. • Except as provided in the Additional Plan Design Details,we require evidence of insurability for: —Increases in elected benefit amounts from the current plan to this plan. —Members who are eligible under the current plan but are not enrolled. —Spouses who are eligible under the current plan but are not enrolled. —Children who are eligible under the current plan but are not enrolled. —Individuals who enroll more than 31 days after they are first eligible for coverage. —Increases in elected benefit amounts after initial enrollment. • Member must be enrolled in Additional Life to enroll in the Spouse Life plan. • Member must be enrolled in Additional Life to enroll in the Child Life plan. - Spouse Life can't exceed 100%of member's enrolled benefit for Additional Life. • Child Life can't exceed 100%of members enrolled benefit for Additional Life. More Information For additional information on the available features and benefits of Dependent Life Insurance from The Standard, click here: http://www.standard.cam/group-life-add Cte" 8 Plan 2-2413335; Proposed Effective Date Prepared for: Tnestandarci January 01,2022 Collier County Government Accidental Death and Dismemberment Insurance Support after an accidental death or severe injury can provide much-needed financial assistance through a difficult time. Our AD&D insurance includes a Family Benefits Package designed to help surviving family members maintain their standard of living and pursue their dreams. Covered Members fast- P k � , , �, 4 A retired employee of the Employer. An active employee of the Employer working 30 or more hours per week. Voluntary AD&D Insurance E Employee Benefit Schedule Increments of$10,000 Maximum Benefit F• $50,000 Minimum Benefit $30,000 To 50%at age 75 Age Reduction Schedule To 25%at age 80 Employer Contribution 0% Additional Plan Design Details • — - This plan provides 24-hour coverage for accidents and dismemberments occurring on or off the job. • The Family Benefits Package includes: —The Higher Education Benefit reimburses tuition expenses up to $5,000 per child per year towards a 4-year college education for the deceased's children-not to exceed a cumulative total of$20,000 or 25%of the AD&D benefit per child,whichever is less. • Commissions are not included in a member's annual earnings. • The Family Benefits Package includes: —Career Adjustment Benefit reimburses tuition expenses up to$5,000 per year to help a spouse to return to the workforce after the death of their spouse-not to exceed the cumulative total or$10,000 or 25%of the AD&D benefit,whichever is less. —Child Care Benefit reimburses a family's child care expenses up to$5,000 per year-not to exceed$10,000 or 25%of the AD&D benefit, whichever is less. - AD&D insurance for dependents continues automatically, without premium payment, for five months after the death of the insured member. • Dependents coverage includes child(ren)from live birth through age 25. • The AD&D Occupational Assistance service is included and provides access to a Workplace Possibilities(SM) Consultant who helps those with a specified accidental dismemberment return to productive work and life. ISO 9 Plan 2-2413335; Proposed Effective Date Prepared for: ireStandard January 01,2022 Collier County Government Cost Voluntary AD&D Insurance Employee Members 334 Volume ` $15,670,000 Rate:Per$1,000 .050 j Monthly Premium $784 Rate Guarantee 3 years Assumpt1o11S' - Final rates are subject to change if actual enrollment varies from the assumed enrollment of 14% • Rates include electronic documents. Printed certificates are available for an additional cost. • Rates assume billing is centralized in one location. • The proposed rates assume coverage currently in force. • This is not our customary age-reduction schedule. We assume you have determined that the schedule you requested complies with the ADEA. Conditions - The minimum number of lives for this plan is 10 enrollees. tre Information .. . ..,. , For additional information on the available features and benefits of Accidental Death and Dismemberment Insurance from The Standard, click here: http://www.standard.com/group-add e 1C Plan 2-2413335; Proposed Effective Date Prepared for: January 01, 2022 Collier County Government Iil(Standard` Long Term Disability Insurance Protect your employees' income and your company's bottom line. This insurance comes with innovative resources designed to help you build a more productive workplace. Our Workplace Possibilities(SM) program, included at no extra cost, helps employees stay on the job and return to work sooner.While not all claims can be shortened,our customers are currently experiencing anywhere from a 10%to a 25%reduction in disability days who participate in the Workplace Possibilities Program.That's just one example of how we add real value as your partner. Covered Members A regular employee of the Employer working 30 or more hours per week. • Class 1:All Eligible other than a County Manager or County • Class 3: County Manager Attorney •Class 2:County Attorney Group LTD Class 1 Class 1 Class 2 Class 3 Base Buy-up Base Base Benefit Schedule vi 40% 66 2/3% 50% 66 2/3% Insured Predisability i $22,500 $13,499 $18,000 $15,000 Earnings (1) Maximum Monthly Benefit $9,000 $9,000 $9,000 $10,000 Minimum Monthly Benefit $100 $100 $100 $100 Benefit Waiting Period 1 180 Days 180 Days 180 Days 180 Days Maximum Benefit Period I To SSNRA To SSNRA To SSNRA To SSNRA Guarantee Issue Benefit Full Benefit Full Benefit Full Benefit Full Benefit Amount Employer Contribution 100% 0% > 100% 100% Minimum Participation , 100% Greater of 25%or 10 lives 100% I 100% j Taxability of Benefits i Taxable Non-Taxable ITaxable 4 Taxable Own Occupation Period 24 Months 24 Months To Maximum Benefit Period To Maximum Benefit Period Partial/Residual Disability Included Included Included Included Preexisting Condition Period 3/12 3/12 3/12 3/12 Mental&Nervous Limitation 24 months 24 months 24 months 24 months Substance Abuse Limitation 24 months 0 24 months 24 months 24 months Return to Work Incentive 12 months i12 months 12 months t 12 months Employee Assistance Included:3 face-to-face Included:3 face-to-face Included:3 face-to-face Included:3 face-to-face Program CA« 11 Plan 2-2413335; Proposed Effective Date Prepared for: me Standard January01,2022 Collier County Government Additional Plan Design Details - A Lifetime Security Benefit extends LTD benefit payments beyond the maximum benefit period if a member is still disabledon the last day of the regular maximum benefit period and is unable to perform two or more activities of daily living and/or suffers from a severe cognitive impairment. - We offer a Performance Guarantee: If you are not satisfied with your experience,we will refund%2 of the previous quarter's premium and fees. • Automatic maximum benefit increases the maximum benefit by 5% annually, on a compound basis, for the first five years the plan is in force,with no impact to the rate. - The Standard pays the employer's matching FICA and Medicare taxes and prepares W-2s for members receiving LTD benefits. • The plan includes the Workplace Possibilities(SM) program, an innovative approach to addressing and reducing the causes of absence and disability-with innovative tools and resources designed to help keep your employees productive and on the job. • This coverage includes a $25,000 Reasonable Accommodation Expense Benefit, which reimburses employers for workplace modifications that enable employees to return to or remain at work. The Reasonable Accommodation Expense Benefit is separate from the LTD claim payment. • A Rehabilitation Plan Benefit is included, which increases the LTD benefit amount by 10% of predisability earnings, not to exceed the maximum benefit, when member is participating in an approved rehabilitation plan. This benefit will also assist in paying for approved expenses incurred by a disabled member a part of an approved rehabilitation plan. - 12-month Family Care Expenses Adjustment. - Survivors Benefit pays a lump sum equal to 3 times the non-integrated LTD benefit. - Continuity of Coverage. - The limitations included in the policy are combined lifetime limitations. • The Subjective Condition limitation has been removed. • Implementation Credit. We agree to fund implementation support activities not to exceed$15,000 of expenses,subject to the following conditions: (1)details of implementation support activities will be negotiated with The Standard; (2) all invoices for reimbursement must be submitted at one time; and (3)fees paid will be disclosed to the Policyholder via the 5500 form. ® 12 Plan 2-2413335; Proposed Effective Date Prepared for: TheStandard January01,2022 Collier County Government Cost Group LTD Members 2,364 1,227 Volume $11,398,111 $6,016,340 Rate:Percent of earnings .150 .359 Monthly Premium $17,097 $21,599 Rate Guarantee 3 years 3 years • LTD rates for the Buy-up Plan apply to the total monthly predisability earnings(including the monthly predisability earnings covered under the Base Plan). - The premium and volume figures shown above for the Base Plan reflect the volume, rate and the employer's portion of the total premium for both plans. • The policy will describe the Base and Buy-up LTD plans as separate and distinct plans,identified as Plan 1 and Plan 2 within the contract. Members will be insured under either the Base or Buy-up Plan, but not both.The total cost for the Buy-up Plan will be the sum of the base and buy-up premiums for each member as determined by the rates shown above. Assumptions - Sick leave payable to the member will be used as deductible income. • Workers'compensation benefits will be considered deductible income. - Primary and dependents Social Security benefits will be used as deductible income. • Rates assume members participate in Social Security and Public Employee Retirement System. • Rates include electronic documents. Printed certificates are available for an additional cost. - Rates assume billing is centralized in one location. ,cQnCfitions, 0 .�. .9 • We require evidence of insurability for: —Members who enroll more than 31 days after they are first eligible for coverage. —Members eligible under the current plan but not enrolled. - Rate assumes that coverage is currently in force. • Confirmation that you participate in Social Security and Public Employee Retirement System is required. - STD benefit payments end once the disabled member begins to receive LTD benefits. More Information , " ,.,. Hx _ ,.. For additional information on the available features and benefits of Long Term Disability Insurance from The Standard: Click here for California: http://www.standard.com/ca-group-long-term-disability Click here for all other states:http://www.standard.com/group-long-term-disability 1° Plan 2-2413335; 41:;? Proposed Effective Date Prepared for: January 01,2022 Collier County Government meStaxiard Short Term Disability Insurance When it comes to handling Short Term Disability claims, our team of experts is standing by. Our claims examiners have been with us for an average of 6 years, and our nurse case managers boast an average tenure of 8 years (internal company data as of July 31, 2018). With this kind of expertise,we can typically render our initial claim decision in just 3-5 days,because the last thing a claimant needs is a delay. Covered Members An active employee of the Employer working 30 or more hours per week. • Class 1:All Eligible other than a County Manager or County - Class 3: County Manager Attorney •Class 2: County Attorney STD Class 1 Class 1 Class 2 Class 3 Base Buy-up Benefit Schedule 40% 66 2/3% 50% 66 2/3% .f Insured Predisability Earnings , $5,000 $3,000 $4,500 $3,375 Maximum Weekly Benefit $2,000 $2,000 $2,250 $2,250 Minimum Weekly Benefit j $15 $15 1 $15 $15 Benefit Waiting Period 7 Days 7 Days 7 Days 7 Days Accident 1 Benefit Waiting Period k Sickness 7 Days 7 Days 7 Days 7 Days Maximum Benefit Period 173 Days 173 Days I, 173 D Days 173 Days Y 1 Guarantee Issue Full Benefit Full Benefit Full Benefit Full Benefit Employer Contribution 100% 0% 100% 100% Minimum Participation i 100% i Greater of 25%or 10 lives 100% 100% Taxability of Benefits Taxable g Non-Taxable Taxable Taxable Partial/Residual Disability Included i Included Included Included Temporary Recovery 90 Days is 90 Days « 90 Days 90 Days Covered the same as any Covered the same as any Covered the same as any Covered the same as any Maternity other illness other illness other illness other illness Additional Plan Design Details - Health Advocate(TM) services included. This service is available to short term disability claimants to assist with managing healthcare benefits for the duration of their claim. - This is a non-occupational plan providing coverage for disabilities occurring off the job. • The Standard pays the employer's matching FICA and Medicare taxes and prepares W-2s for members receiving benefits. - STD benefits are no longer payable once an insured member begins receiving LTD benefits. ..____..................................._.__.........._.__.......__.. ............ ......... 14 Plan 2-2413335; Proposed Effective Date Prepared for: January 01,2022 Collier County Government meStandard Cost STD Base Buy-up Members 2,364 1,264 Volume $1,053,427 $926,158 Rate:Per$10 of Benefit .267 .178 Monthly Premium $28,126 $16,486 Rate Guarantee 3 years 3 years Assumptions • STD benefits will not be paid while a member is eligible to receive sick pay. The proposed rate has been discounted based on received sick leave information. • Rates include electronic documents. Printed certificates are available for an additional cost. Conditions • Rate assumes coverage currently in force. • STD benefits may be reduced by deductible income. • State Disability and/or Own Medical Leave Benefits under Paid Family Medical Leave laws are considered deductible income. More Information For additional information on the available features and benefits of Short Term Disability Insurance from The Standard:http://www.standard.com/group-short-term-disability Click here for California: http://www.standard.com/ca-short-term-disability Click here for all other states: http://www.standard.com/group-short-term-disability PIan2-2413335, 15 Proposed Effective Date Prepared for: standard January 01, 2022 Collier County Government Self-Funded Short Term Disabilit Service 1•'Covered Members An active employee of the Employer working 30 or more hours per week. Service 1:Administrative Services Only Class 1: Employees other than Executive Manager to Board, County Manager,Manager to Board or County Attorney Class 2: Executive Manager to Board&County Attorney Class 3: County Manager Administrative Services Only- ATP Class 1 Class 2 Class 3 Benefit Schedule 40% 50% x 66.67% Insured Predisability Earnings $5,000 $4,500 $3,375 I Maximum Weekly Benefit $2,000 $2,250 $2,250 Benefit Waiting Period 7 Days 7 Days i 7 Days Accident Benefit WaitingPeriod 7 Days 7 Days 7 Days Sickness Maximum Benefit Period 180 Days 180 Days 180 Days 1:1) 1u Plan 1-889;Plan 1-991; Proposed Effective Date Prepared for: TheStandard January 01,2022 Collier County Government Service Details • The Standard will furnish full claim management with seamless transition to LTD,when appropriate. - The Standard will submit employer's portion of FICA tax and issue W-2s to claimants. Plan sponsor will reimburse The Standard for all FICA&Medicare taxes submitted. - Benefits will be paid to claimants on a weekly basis. Cost Administrative Services Only - ATP Members 2,364 Rate: Per Member $1.72 Monthly Fees $4,066 Rate Guarantee 3 years Optional Features & Services - Fees include minor wording modifications to The Standard's plan documents,claim submission forms and/or form letters.Any modifications to plan documents,claim submission forms,letters or other documents are subject to approval by The Standard. /�%,t Plan 1-889;Plan 1-991, Proposed Effective Date Prepared for: January 01, 2022 Collier County Government Absence Management Services Our Absence Management Services solution utilizes an in-house platform on which to integrate the intake, management and reporting of Family and Medical Leave (FML) and other types of leave. When applicable, Short Term Disability (STD) and very short elimination period Long Term Disability (LTD) claims can also be integrated with the concurrent leave. Absence Management Services Leave Options Family and Medical Leave Federal,State and USERRA Leaves (FML) Company-Specific Leave Including but not limited to;personal or medical leave,bereavement,jury duty,voting,and sabbaticals Absence Management Service Center Single Point of Intake for Your employees can report all leaves,including STD and LTD when applicable, in a single point of intake using our web Leaves and Claims portal,available 24/7,or by calling our Absence Management Service Center from 8 am to 8 pm EST ............ Communication with We email you when an employee submits a leave request and will communicate with you throughout the employee leave Employer process Communication with We send letters or emails to employees to inform them of eligibility,communicate leave determination or request additional Employee information Superior Customer Service We provide industry-recognized expertise and take pride in earning and keeping customer business by offering dedicated, caring and attentive service to all our customers Call Recording All incoming and outgoing calls related to Absence Management can be recorded and provided to employers upon request, subject to regulatory limitations Satisfaction Surveys Employer and employee satisfaction surveys can be performed on a regular basis to measure overall customer experience Reporting One of the most important aspects of integrated absence management is the insight that can be provided to you about your employee leaves Employee Level Reports To help you identify irregular leave patterns,greater than average leave usage,highest physician approval,etc Summary Reports Absence Summary, Incidence Summary, Physician Summary and Detail Reports Detailed Implementation Process To ensure that your specific needs are met, a detailed implementation plan will be shared with you. In addition to our regular services,certain customizations may be accommodated at an additional cost. Customized Phone Numbers We can offer dedicated phone numbers for your employees as well as help you keep existing toll free phone numbers in order to minimize disruption upon change of leave management provider Customized Intake Scripts In addition to the questions asked to fulfill the employees leave request, information can be gathered at the time of intake to accommodate specific circumstances or reporting needs Customized Correspondence Changes can be made to the letters and emails sent to you and your employees to reflect company specific information Customized Reporting We can modify our typical reports to meet your specific reporting needs,within regulatory guidelines 1E Plan 2-2413335, Proposed Effective Date Prepared for: TheStandard January 01,2022 Collier County Government Service Details • The Health Advocacy Solution is provided in partnership with Health Advocate(TM), the nation's leading healthcare advocacy and assistance company. Health Advocate provides personal health advocates to members to help them understand their medical benefits, locate physicians and resolve billing and claims issues.This service can be added for$1.00 per employee per month. • Pricing is based on specific data and format requirements. If these requirements are not fully met, additional fees may be assessed and service interruptions could occur. The data and format requirements include a complete electronic eligibility data feed as well as a historical file in a standard format for the transfer of existing leaves (if applicable). Documents outlining the detailed requirements are available upon request. - The takeover of open claims refers to FML or other open leaves only. It does not include STD, which is handled separately. - 120-day implementation timeline. Plan 2-2413335, 0 1 E Proposed Effective Date Prepared for: January 01,2022 Collier County Government TheStandard Cost Absence Management Services Number of Covered 2,364 Employees Assumed Incidence Rate 10%-13% fi. Per Employee Per $2 15 Month(PEPM) -Federal FML Included In PEPM -State Leaves Included In PEPM -One Recurring Included In PEPM Data Feed Rate Guarantee 3 years One-Time Implementation $0 Fee Optional,Features & Services `';4 ,:: � . .. Absence Management Services Company-Specific Leaves/Each Additional Leave $.080 PEPM Additional Data Feeds Sent to The Standard $1,500 Per Data Feed Takeover of Open Claims $150 Per Claim not to exceed a total cost of$7,500 Health Advocacy Solution(PEPM) $1.00 PEPM ADA-AA(PEPM) $1.00 PEPM More Information For additional information on the available features and benefits of Absence Management Services from The Standard, click here: http://www.standard.comiabsence-management C1,0 2C Plan 2-2413335; Proposed Effective Date Prepared for: theStandard January 01, 2022 Collier County Government ASSUnlPtiOnS t` E off' 04. - Fees assume that The Standard will create the program documents,including claim submission forms,letters or other documents.Any requested customization of these program documents,claim submission forms,letters or other documents is subject to approval by The Standard. - Fees do not include commissions. • Fees include electronic documents.Printed documents are available for an additional cost. • Fees assume non-occupational coverage. - Benefits will not be paid while a member is eligible to receive sick leave pay. - Fees do not include commissions. - Fees include electronic documents.Printed documents are available for an additional cost. - Fees assume non-occupational coverage. • Acquisition fee included in rate. • May only be purchased with The Standard's Long Term Disability product. More Information For additional information on the available features and benefits of Self-Funded Short Term Disability from The Standard,click here: http://www.standard.com/self-funded-disability ��O Plan 1-991;Plan 2-889; 16 Proposed Effective Date Prepared for: TheStandard" January 01, 2022 Collier County Government Absence Mana•ement Services Our Absence Management Services solution utilizes an in-house platform on which to integrate the intake, management and reporting of ShortTerm Disability(STD),Family and Medical Leave(FML)and other types of leave.When applicable,very short elimination period Long Term Disability(LTD)claims can also be integrated with the concurrent leave. Absence Management Services Leave Options Family and Medical Leave Federal and State Leaves (FML) Company-Specific Leave Including but not limited to;personal or medical leave,bereavement,jury duty,voting,and sabbaticals Absence Management Service Center Single Point of Intake for Your employees can report all leaves,including STD and LTD in a single point of intake using our web portal,available 24/7, Leaves and Claims or by calling our Absence Management Service Center from 8 am to 8 pm EST Communication with We email you when an employee submits a leave request and will communicate with you throughout the employee leave Employer process Communication with We send letters to employees to inform them of eligibility,communicate leave determination or request additional information Employee Superior Customer Service We provide industry-recognized expertise and take pride in earning and keeping customer business by offering dedicated, caring and attentive service to all our customers Call Recording All incoming and outgoing calls related to Absence Management can be recorded and provided to employers upon request, subject to regulatory limitations Satisfaction Surveys Employer and employee satisfaction surveys can be performed on a regular basis to measure overall customer experience Reporting One of the most important aspects of integrated absence management is the insight that can be provided to you about your employee leaves Employee Level Reports To help you identify irregular leave patterns,greater than average leave usage,highest physician approval,etc Summary Reports Absence Summary, Incidence Summary,Physician Summary and Detail Reports Detailed Implementation Process To ensure that your specific needs are met,a detailed implementation plan will be shared with you.In addition to our regular services,certain customizations may be accommodated at an additional cost. Customized Phone Numbers We can offer dedicated phone numbers for your employees as well as help you keep existing toll free phone numbers in order to minimize disruption upon change of leave management provider In addition to the questions asked to fulfill the employees leave request,information can be gathered at the time of intake to y Customized Intake Scripts accommodate specific circumstances or reporting needs Customized Correspondence Changes can be made to the letters and emails sent to you and your employees to reflect company-specific information Customized Reporting We can modify our typical reports to meet your specific reporting needs,within regulatory guidelines 1E Plan 1-680; Proposed Effective Date Prepared for: TheStandard'' January 01,2022 Collier County Government Service Details • The Health Advocacy Solution is provided in partnership with Health Advocate(TM), the nation's leading healthcare advocacy and assistance company. Health Advocate provides personal health advocates to members to help them understand their medical benefits, locate physicians and resolve billing and claims issues.This service can be added for$1.00 per employee per month. - Pricing is based on specific data and format requirements.If these requirements are not fully met,additional fees may be assessed and service interruptions could occur. The data and format requirements include a complete electronic eligibility data feed as well as a historical file in a standard formatforthe transfer of existing leaves(if applicable).Documents outlining the detailed requirements are available upon request. • 120-day implementation timeline. A bsence Mana•ement Services Managing ADA-AA Resource Integration The Standard's ADA-AA resources integrate with The Standard's Absence Management Service Center by identifying those employees who are nearing exhaustion of their FMLA benefits or who may need assistance to return to work. An ADA specialist will systematically assess these claims for return to work potential. This information is invaluable for the employer's ADA-AA compliance and interactive process so that they can better determine if and when an employee will return to work. Selection of the timeframes of leave exhaustion can be anywhere from week 8-12 during an approved leave of absence. The ADA specialist considers the employee's limitations and offers recommendations to the employer about worksite accommodations or modifications. The process includes an assessment of return to work feasibility to better help the employer understand if an employee has any return to work potential. An interdisciplinary team approach is used to help an employer when they face the determination of employee separation or leave as an accommodation. Once an accommodation is agreed upon, further investigation of services is accomplished through the Workplace Possibilities Program. The Workplace Possibilities consultant formalizes a return to work plan involving the human resource designee, the employee and their manager to ensure that all parties are complying with the employee's return to work plan. The Workplace Possibilities consultant continues to monitor the employee's progress until he or she returns to work at full capacity. During that time, communication will continue between the employee, manager, human resource designee and the treating physician. With appropriate authorization, we can provide documentation of the interactive process. By using an outside resource like The Standard, an employee will have the added bonus of involving a third-party who can reinforce the efforts and recommendations supporting their decision. Plan 1 680; le Proposed Effective Date Prepared for: 1t�Standard January 01,2022 Collier County Government Producer Compensation Disclosure We recognize the valuable role of insurance advisors, consultants and brokers("producers")in helping their clients design an employee benefits program, and we support reasonable and fair compensation for these services. Producers may be eligible to receive compensation from The Standard. The commission quoted in this proposal are noted below. Additionally, fees for administrative, marketing or consulting services may apply. If applicable,fees are noted below. No commissions included for Basic Life Plan and AD&D Plan, Core LTD, Core STD and Service. Flat 20% commission included for Standalone AD&D, Additional Life and Dependent Life Plan 2. Flat 10%commission included for LTD Buyup and STD Buyup Unless participation is declined by the producer or client, contingent compensation is additional compensation that may also be paid and is dependent on the satisfaction of one or more minimum requirements, such as a specified amount of new premium volume or persistency in connection with the producer's block of business. For information about our customary producer rewards program visit www.standard.com/financial-professional/insurance-benefits/compensation. Some producers may have a contingent compensation arrangement that differs from our customary program. Please consult with your producer for additional details. About This Employee Benefits Proposal We appreciate the opportunity to provide you with this benefit and cost summary proposal from The Standard. This document outlines certain important features of the group insurance coverages available. This is not a contract or an offer to contract for such coverages. Detailed information about other important features of the coverage proposed is available on request. Just ask your broker/consultant or your representative at The Standard. A completed application must be submitted before a group can be considered for coverage. Insurance will be effective after the application is accepted by The Standard. If approved, we will issue a contract containing our customary language. It will not duplicate policy language from another carrier. The group contract will contain provisions and defined terms not described in this Employee Benefits Proposal. The group contract will control if there are discrepancies between it and this proposal. This benefit and cost summary proposal expires on July 08,2021,unless replaced or withdrawn by The Standard. The proposed premium rate and plan design for each coverage are based on the underwriting data received by The Standard. Final premium rates and plan provisions will be determined by The Standard on the basis of: applicable state laws, policyholder contributions, confirmation of occupations,the actual composition of the group of persons who will become insured and our current underwriting rules and practices. Financial Strength Ratings �g g � ww..w.. . • For information about our Financial strengths ratings visit www.standard.com/about t„O Z O v v 1 v X aD O co a U) X n O a CD `o LL II O a T.) Z co con to `o) co p o co co v M LT_ W U Z Q X D 0 a ,1 ti Z ..._ p t —I Q --�� p C1 -. z '—I a II 4 ti a)1, 0 a)a) E i ? _ zas Z E r Y `1 � �-. as 2 la 1 L..L z (Ca W �� 1 T .5 >, >, 4«I ;� ._ o -'� w �. 1 ti l! c a) �..� i i p �1 �" a 1 _ >,U c f0 O a) U coa a)N co E U .----- (7..........t\ c �' W a ic*,-. '5 00 N W cs c CD � N > Fo o M o o cL U o Q co 0 0_ rn co 0 < Z cU c W W W 2 o 4.11 co Q Z N CO Z N r = Q cr) o> >c\I rn p o w oEd QN Q (20 O N - m . c\ v, 10 . � EE - 0 -p H a) o P. . - Z 'a co p co in C < • ZZ Z8 w - < aD Q Q Q a , _ E 4) a) Q c v _ 2 c ooas = oo o t LL 'u. CI U.. CI V) U)) a - 0 U E , CL a m a 81 1.N CO O (V 2 CO CO N a.)(0 co N V 1- co (0 M '-,- E. O a 1-6 cm 0) co 06 o co c0 V M a w v z CC D CO z 0 r Q 0 z CO -o 0 Ew (o z Z cc T @ 4) C N w os T Tcs_ c co a) a) a n FT C O U N a) U_ 06 E. E E Q 0 z X a) T ''^^ • a> L C Vl V d NQ z0 Lt a LU a) 0 U U W C g LL a) a) C i. N 1E E a) L O o U CO o o N- 73 > N Q IS U a) o —. ca - o ry otS rn N n C Lu a UJ E. Lu m Z co N_ a) D m M E < M N co — 73 Z U Z N W Z .-E- N— z CO O LLJ 2 O Z LL I— L j MO - a) N L. > 0) C > 0) C -j N 4'' LL (� Q) Cl) < �' Q Q cg o a=i W U) uJ a) c o L C = O Q = O .- 1 '4 'O Q U z w C _c c) O CO o Q < ea U .`_ Q (D Z c� Z N m a O 2 U U 0 Q U) Q CD a) 2 m ai U 1- > cn f— > = U) N c u_I Q C J E -a` v a) O Q) O a) O a as 01 O O —J Ca w`� �J0 +� Q) O /O/� +_' T� O /p/� +-' SV o U LLI LL O 1— Z Q 0 Z Z r 0_ F- 1.. r a. i L N la C _ 7 N y O L N U m N 4) l A t7 4, M • V O V ob 7 M O. d O I I w to a) 0) m co od O CO CO V ch a- w U Z Q D U) Z_ E cc Q a Z U) cn U) a) -o 0 a) E E co co Z Z L 8 T cort a) W co (0 c a) I I a n T H c O U a) a ) a) (O r — z a) 1a) T L U c (L) w U) II cn 0 II 2a) z o c 2- o6 a) F. o W _ U c� U a) 0 0 0 5 0 N6 cU p p N L L 0 �, Q N N 1 U a) LU -a a) O 2 O a1 O 0 LLI O •}' I— O '' O d ij in NCr) Z N O D N a Z N o Z N IL O O e- rn o �, > rn10) <• w rn ° m > °) a) Q > rn COCD a CZ o Q a a) > 0 O Q a c}a } Q a c �) = O _ a) < O Q Et O o = O u) o 0 O (� F=- L Z O 0 p co a as n d `o J a — (n Q Cl_ W > _I ; O ( • Q a Q Cn cC 5 pcns U) U O Z O C O p O _ O m o 0 0 � . 0 . Q O c o N o a F— 0 r a H LL a) a E W a I— 2 .— a < NI CC N a c_ N O L N U CO CO N (L) N LU co 1 co LU co co a 0 Ti) co a) LU m co LU O LU co co W 0 Z 0 0 Z co a) -o 0 a N co co Z r _ as c co W co o5 NII a CC U I � D co co CU co CD m as , CO co co asca ca ca ca ca m as ca CO co CU CU 'e ate) E E E E E E E E E E E !. E E E E E E E ; E E E E E E , 0 0 0 0 0 0 o f o o O o o o O o 0 0 0 ' o 0 0 0 o c z 0 0 0 0 0 0 01 0 0 0 0 , 0 0 0 0 0 0 0 0 0 0 0 0 C W d CL CL W d CL CL W CL 0 Nl CL d 0_ O_ CL d W W N1 a CL 0_ 0 IN c c c c j c c c l c c c c c c c c c c c c c c c c c a a) a) a) a) I a) a) a) I a) a) a) o a) a) a) a) a) a) a) a) a) a) a) ; a) a Z' ca'o CU m c°'o ( m m m l co m m N m m m m m m m m N m co m o 9 3 3 3 31 3 3 31 3 3 3 3i 3 3 3 3 3 3 3 3 3 3 3 3 = i� a) a) a) a) ( a) a) a) , a) a) a) a) I a) a) a) a) I a) a) a) a) a) a) a a) c .@ > > > > 1, > > > j > > > > > > > > > > > > > > > > 0 N H H F— F— I— I— I— I— I— F— I— I— I— I— I— I— I— F— F— F— I— F— I— F- c2 I N CC CC X X CC X X X CC X IX X NY CC CC NY X X X X NY X X a co O O 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 CI) CL N1 NZ W CL 11 W d NZ W d d d W W O d W N1 N1 d d d 0 w 0 W W W W W W U W W W W W LU W LU W W W W W W W W 11 cc cc cc c c r cc cc cc DC NY cc cc c tY DC Q m w Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q G c D D D D D D D D D D D D D D D D D D D D D ) D = o ZZZZ Z Z Z Z Z Z Z Z Z Z Z Z ZZZZZ Z Z ZZZZ Z z Z Z Z Z z Z Z Z Z Z ZZZZZ Z Z 20 < < < < < < < < < < < < < < < < < < < < < < < a a i U O a) M N- M L M N O O M r (O U M N O a) a) N N O O O O O O O O O O a) a ?' C O O O O O O O O O O O O O O O O O O O O O O a) a '5 G N N N N N N N N N N N N N N N N N N N N N N +? M CO 03 ) O <— V' O O O CO N O O CO CO N c c I N 0 N N N M N N M O O N N N M O M N N N C_ C) 0 to ,. M '�t �t M M N N- N N- C a 0 I N 0 O O O O O O O O O O O O O O O O O O O O O O O C N _ N N O = N U c N a) Lc) U1 co c) co Cl .) co C) C) a) ots O oo a w U Z CC co a) ❑ Z a) 0 a) a) E E f4 co Z Z co W7 a) atS f0 a) t n — ° c a) O a) N "0 a (0 <ca CCCa v a) - LL LL LL ° ] ❑ ❑ 0 _ CL a a.. w .0 .0 .0 Id u a) a) CD a>> 0 co COco CC3 c C C C aT > 3 3 3 I) a) a) a) — Cl) a) ) 000 Ii a. a J w w w J _J C < < < (C J D D C ' Z Z Z Z Z Z f0 Q Q < o I I I 0 0 CDC.0C U D CA 0) � C zr t N D N N O 33 O O O C N O N N C CO N et) N A��D CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 6/29/2021 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTNAME: Jim Jim Biemat Alliant Insurance Services, Inc. PHONE FAX 701 B St 6th Fl IA/C.No.Ext):415-946-7517 (A/c,No): San Die o CA 92101 E-MAIL 9 ADDRESS: james.biernat@alliant.com INSURER(S)AFFORDING COVERAGE NAIC# License#:0C36861 INSURER A:Atlantic Specialty Insurance C 27154 INSURED STANFIN-01 INSURER B:Sentry Insurance Company 24988 StanCorp Financial Group, Inc. (See Additional Named Insureds Below) INSURER C:Federal Insurance Company 20281 1100 SW Sixth Avenue INSURER D:Lloyd's of London 0 Portland OR 97204 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER:1617314933 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER POLICY EFF POLICY EXP (MM/DD/YYYY) (MM/DD/WYY) LIMITS A X COMMERCIAL GENERAL LIABILITY Y Y 712-00-77-55-0014 7/1/2021 7/1/2022 EACH OCCURRENCE $1,000,000 DAMAGE TO CLAIMS-MADE X OCCUR PREMISES(EaENTED occurrrence) $1,000,000 MED EXP(Any one person) $15,000 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 PRO- v POLICY JECT ^ LOC PRODUCTS-COMP/OP AGG $2,000,000 OTHER: $ A AUTOMOBILE LIABILITY Y 712-00-77-55-0014 7/1/2021 7/1/2022 OMBINEDt SINGLE LIMIT $1,000,000 X ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY(Per accident) $ X HIRED X NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY (Per accident) $ $ A X UMBRELLA LIAB X OCCUR 712-00-77-55-0014 7/1/2021 7/1/2022 EACH OCCURRENCE $10,000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $10,000,000 DED RETENTION$ $ B WORKERS COMPENSATION 90-16876-01 00 211 7/1/2021 7/1/2022 X PER B AND EMPLOYERS'LIABILITY Y/N 90-16876-02 00 211 7/1/2021 7/1/2022 STATUTE ERH ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBEREXCLUDED? N/A (Mandatory In NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 C Professional Liability 82086341 7/1/2021 7/1/2022 Limit $5,000,000 D Privacy/CyberLiabiity B0146CYUSA2101398 7/1/2021 7/1/2022 Limit $5,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Named Insureds:StanCorp Financial Group, Inc.;Standard Insurance Company;The Standard Life Insurance Company;StanCorp Equities,Inc.;StanCorp Investment Advisers,Inc.;StanCorp Mortgage Investors,LLC;Standard Management,Inc.;Standard Retirement Services,Inc.;StanCorp Real Estate,LLC; StanCorp Insurance Company Inc.;Standard Insurance Company Continuing Health&Wealth Benefits Trust;StanCorp Mortgage Investors Pass-through, LLC As Required by Written Contract- Collier County Board of County Commissioners,OR,Board of County Commissioners in Collier County,OR,Collier County Government,OR,Collier County included as an additional insured under the captioned Commercial General Liability and Automobile Liability Policies on a primary and non-contributory basis if and to the extent required by written contract. For any and all work performed on behalf of Collier County.Contract/Project#: 759079 and 759081 CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. Collier County Board of Commissioners 3295 Tamiami Trail E. Naples FL 34112 AUTHORIZED REPRESENTATIVE I ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD