UNSPSC 84131604: Disability insurance

UNSPSC 84131604 Disability insurance (Commodity) encompasses long-term and short-term disability coverage, third-party claims administration, and employee benefits consulting services that state and local governments procure to cover eligible employees and manage disability claims across their organizations. State and local buyers include county boards of commissioners, municipal governments, school districts, housing authorities, and special-purpose county entities. The work spans fully insured contributory disability plans with defined benefit structures (60–100 percent income replacement, elimination periods of 14–90 days, benefit caps ranging from $1,500 to $8,000 monthly), third-party claims administration for workers' compensation and disability claims, and brokerage or consulting services to evaluate, design, and negotiate coverage and cost across multiple carriers. Recent opportunities show issuing bodies consolidating disability lines with other voluntary benefits under single-carrier arrangements, managing transitions from incumbent carriers, and requiring vendor compliance with state security and immigration laws, HIPAA privacy standards, state-specific financial or operational disclosures, and liability insurance minimums of $1–2 million per occurrence.

Recent activity appears across the Southeast, Southwest, and Texas. Los Alamos County, New Mexico issued RFP 2670 for Long-Term Disability Benefits (proposal deadline September 1, 2026, covering approximately 706 employees with a $5 million monthly payroll base and current rates of 0.33 percent); Catoosa County Board of Commissioners, Georgia issued RFQ 2026-21 for Broker Services (due October 22, 2026, for approximately 430 employees); Brevard County, Florida solicited proposals under RFP 1-26-12 for Group Life & Disability and Supplemental Health Benefits consolidating mandatory coverage through Standard Insurance Company and new voluntary products (due July 28, 2026; current annual premiums for mandatory lines total $2,114,474.84); the City of Lewisville, Texas released RFP #26-71-P for comprehensive Employee Health and Welfare Benefits including long-term disability, dental, and pharmacy for approximately 910 active employees and 23 retirees (due May 26, 2026, with incumbent medical carrier CIGNA); and the Housing Authority of the City of Alameda issued RFP 2026RFPHR003 for employee benefits consulting covering long-term disability, dental, vision, life, and EAP for 57 full-time employees (due September 7, 2026).