19-13 - Long-Term Disability.pdf

This is a Long-Term Disability insurance specification document issued by the City of Lewisville Purchasing Division for a competitive sealed proposal to procure Employee Health and Welfare Benefits. The City of Lewisville, Texas is soliciting proposals for comprehensive employee benefits including Third Party Administrators for Medical and Dental services, Pharmacy Third Party Administrator, Medical/Rx Stop Loss coverage, ASO Dental, Fully Insured Vision, Basic Life/AD&D, Voluntary Life/AD&D, Long-Term Disability, Employee Assistance Program (EAP), Health Savings Account (HSA), Flexible Spending Account (FSA), and COBRA administration. The Long-Term Disability component is a key element of this annual contract procurement. Award decisions will be made in accordance with Local Government Code Chapter 252, and all goods and services must comply with Americans with Disabilities Act requirements.

The specification document requests detailed Long-Term Disability quotes addressing critical plan features including definition of earnings, monthly benefit percentages, maximum benefit amounts, guarantee issue minimums, elimination periods, benefit duration maximums, own occupation versus any occupation definitions, residual/partial disability provisions, Social Security integration, earnings tests, survivor benefits, pre-existing condition limitations, mental health and substance abuse limits, self-reported limitations, mandatory rehabilitation provisions, family care benefits, work incentives, and Long-Term Care benefit provisions. Additional pricing information required includes covered payroll, rate per $100 of payroll, monthly and annual totals, number of employees, employer contribution amounts, participation requirements, actively-at-work provisions, effective date, and AM Best ratings. Proposers must submit responses on Bonfire's questions and answers section, and successful bidders must certify ADA compliance.