14-Addendum No. 1 RFP26-70 FINAL.pdf

ADDENDUM

Incorporated County of Los Alamos Procurement Division

101 Camino Entrada, Building 3 Los Alamos, NM 87544

This Addendum forms a part of the Solicitation documents and modifies the original Solicitation documents, as stated herein. All other provisions of the Solicitation documents remain unchanged. This Addendum is hereby made a part of the Solicitation documents to the same extent as those provisions contained in the original documents and all itemized listings thereof.

GENERAL INFORMATION

To: All holders of Solicitation documents for the below-referenced Solicitation.

Date: August 26, 2026

Addendum No.: No. 1

Solicitation No.: RFP26-70

Solicitation Title: Long-Term Disability Benefits for Los Alamos County

Contact Name: Jeff Engelhardt

Contact Title: Management Analyst

Contact Phone No.: 505.662.8056

Contact E-Mail: jeff.engelhardt@losalamosnm.gov

ACKNOWLEDGEMENT

Respondents are requested to acknowledge receipt of this Addendum by submitting a signed copy of page one (1) of this Addendum with Respondent’s Bid or Proposal. Pursuant to NMSA 1978 §14-16-7, this acknowledgement may be signed by electronic signature.

I hereby acknowledge receipt of this Addendum.

Name: Date:

Title: Signature:

Company:

(This space intentionally left blank)

MODIFICATIONS TO THE SOLICITATION AND/OR Q&A

Please note the modifications to the Solicitation and/or questions received and County’s answers.

Ref.

No.

Modification and/or Question Answers

Provide census data to include gender, date of birth, salary, hire date and occupation.

A document containing the requested information was provided via email to offerors who submitted the required Letter of Transmittal.

Provide current rates and prior rate history. 2026 Rates: 0.33% of covered payroll.

2020–2025 Rates: 0.32% of covered payroll.

Provide current volume of coverage. The current volume of coverage is

$5,614,737.00.

4 Provide prior 3 years claims experience. Please refer to the response to Question 1.

Our best practice for executing our proposal documents is via electronic signatures, which are legally binding in the United States. Will you accept an electronic signature from the appropriate executive at our company in lieu of a manual signature?

Yes. The County will accept an electronic signature from an authorized executive representative in lieu of a manual signature.

Provide a word version of 10-RFP 08 Cost Proposal Response so that we may have our underwriters fill it out.

The PDF version of the document is the official public version utilized by the County’s solicitation software. Proposers may, at their discretion, use Adobe Acrobat, Microsoft Word, or other comparable software to convert the PDF document into Word format for their convenience.

Confirm that the LTD has 100% participation and that it is mandatory. If it is not 100% participation, provide an updated census that indicates who has elected coverage.

LTD coverage is mandatory for all eligible employees as defined in Section 17 of the RFP.

Please refer to the response to Question 1.

Provide the In-force LTD rate (and renewal rate if available).

Please refer to the response to Question 2. The current agreement expires December 31, 2026.

A renewal rate is not currently available.

Provide an LTD incurral report (5 years preferred) including premium & incurred claims.

Please refer to the response to Question 1.

Provide an LTD open & closed claims listing (5 years preferred) Note: For open claims we would need Date of Disability, DOB, gender, gross & net benefit, and reserves by claim.

There are currently four (4) open claims, which will remain with the current carrier. The County’s current provider only provides an aggregate amount of losses and does not provide the requested claim-level information.

Provide any Rate & Plan change history for the past 5 years. If there are changes, confirm the effective date of those changes.

There have been no plan changes during the past five (5) years. Please refer to the response to Question 2.

12 Provide Occupations on the census. Please refer to the response to Question 1.

Ref.

No.

Modification and/or Question Answers

Request the following:

1. Current LTD certificate

2. In force LTD rate(s)

3. Updated census with employee job titles

4. If LTD is voluntary, please provide updated census with elections

5. Recent bill/invoice - Does the county pay into social security and/or do they pay FICA taxes?

6. Does the county participate in the state PERS plan?

7. Provide 3+ years LTD experience with claims and premium broken out monthly, including a claims listing with open and closed claims

8. Requested broker commissions

1. Please refer to the Current LTD Policy document included in the solicitation documents.

2. Please refer to the response to Question 2.

3. Please refer to the response to Question 1.

4. Please refer to the response to Question 7.

5. The County does not participate in Social

Security, and eligible employees covered by the Plan do not pay FICA taxes. Please refer to the response to Question 1.

6. The County participates in the Public

Employees Retirement Association of New Mexico (PERA).

7. Please refer to the responses to Questions 9 and 10.

8. The County is prohibited from entering into an agreement that provides for the payment of commissions.

Provide the following LTD experience for a 5-year period:

a. Earned Premium and number of insured lives by year

b. Rate History by year

c. Paid Claims by Incurred Year

d. List of open claims including date of loss, date of birth, gender, salary, gross benefit, offset amounts, net benefit and reserve.

e. List of closed claims including date of loss, date of birth, gender and total amount paid

a. Please refer to the responses to Questions 3, 4, and 7.

b. Please refer to the response to Question 2.

c. Please refer to the response to Question 1.

d. Please refer to the response to Question 10.

e. Please refer to the response to Question 10.

On 8/19, an email was sent out with three attachments. One was the claims experience, and one was the LTD Census.

These documents don't appear to be complete. The Claims Experience only includes the totals of all years combined.

Each of the individual experience periods is blank. Can you please get the updated report that illustrates each individual period?

Also, the census is still missing occupations.

Please provide updated census with occupations.

Please refer to the responses to Questions 1, 4, and 10.

Ref.

No.

Modification and/or Question Answers

1. Does this group partake in PERS/STRS? If so, can the group please provide an updated census inclusive of Dates of Hire, and provide the groups PERS/STRS plan number?

2. Can the group please provide the LTD contract/booklets? I do not see any plan/benefit information in the RFP documents provided to us. This will be needed to match groups current plan designs/benefits.

3. If available, can the group please provide LTD experience for the last 5 years? We require paid claims, paid premium, lives and reserves.

4. If available, can the group please provide an LTD Open and closed claims listing for the last 5 years? We require gender, DOB, date of disability, net claim amount, gross claim amount, total paid amount, and reserves for open claims.

5. Can the group please provide in-force rates for LTD?

6. Can the group please provide a rate history? (if any rate changes during the experience periods provided).

7. If available, can the group please provide their most recent invoice/bill?

1. Please refer to the response to Question 13.6.

2. Please refer to the response to Question 13.1.

3. Please refer to the responses to Questions 1, 4 and 10.

4. Please refer to the responses to Questions 1, 4 and 10.

5. Please refer to the responses to Question 2 and 8.

6. Please refer to the response to Question 2.

7. Please refer to the response to Question 1.

Can we please have a copy of the most recent renewal as well as the current rates?

Please refer to the responses to Questions 2 and 8.