UNSPSC 84131604: Disability insurance

UNSPSC 84131604 Disability insurance, a Commodity code, covers group disability insurance products and ancillary benefit administration services that state and local governments procure for their active and retired employee populations. Recent solicitations show jurisdictions buying long-term disability, short-term disability, and critical illness coverage as standalone products or bundled within comprehensive employee benefit packages that also include life, AD&D, vision, dental, EAP, HSA/FSA, and COBRA administration. The code spans fully insured and self-funded disability arrangements negotiated through Request for Proposals, competitive sealed proposals, and Requests for Qualifications issued by cities, counties, school districts, and special-purpose authorities. Issuing bodies range from small municipal utilities with under 200 employees (New Smyrna Beach Utilities Commission, Florida) to large school systems with over 24,000 benefit-eligible staff (Gwinnett County Public Schools, Georgia) and mid-sized county governments and transit agencies. Repeat buyers in recent activity include Granite School District (Salt Lake County, Utah), City Colleges of Chicago, and Athens-Clarke County (Georgia), each conducting competitive procurements within the past two to three years as part of standard benefits renewal cycles.

Recent opportunities are concentrated in the South and West, with significant activity in Texas (City of Lewisville, City of Burleson), Georgia (Athens-Clarke County, Gwinnett County Public Schools, Clarke County School District), Colorado (Boulder County), Utah (Granite School District), and Florida (New Smyrna Beach). Representative recent solicitations include the City of Lewisville's RFP #26-71-P (due May 26, 2026) for comprehensive employee health and welfare benefits covering long-term disability and ancillary services for approximately 910 active employees; the Unified Government of Athens-Clarke County's RFP 26036 (due May 19, 2026) for fully insured voluntary long-term disability, life, and supplemental coverage for roughly 1,500 active employees and 800 retirees; Boulder County's two-phase RFP process (RFQ due April 15, 2026; RFP proposals due May 22, 2026) for group life, AD&D, short-term and long-term disability coverage for approximately 2,300 employees; Saint Louis Public Schools' RFP 099 (due April 22, 2026) for district-wide employee benefit services including short-term and long-term disability with annual dental claims exceeding $1.2 million; the City of Burleson's RFP 2026-018 (due March 26, 2026) for ancillary insurance benefits administration including life, short-term and long-term disability, EAP, and HSA/FSA services for approximately 410 eligible employees; and City Colleges of Chicago's RFP #NC2608 (due March 30, 2026) seeking direct proposals from insurance carriers for employer-paid and voluntary life, AD&D, critical illness, and disability products for active employees and retirees. Incumbent vendors across these procurements include Cigna, Unum Life Insurance Company of America, Lincoln Financial Group, Dearborn Life Insurance Company, and Symetra Life Insurance Company, though most jurisdictions conduct competitive renewals every three to five years per standard marketing cycles.