2-NC2608-Interrogatories and Cost Proposal Final.xlsx
XLSX spreadsheet 43 KB Posted
- Solicitation number
- NC2608
- Issued by
- Cook County, Illinois
About this file
This is a Request for Proposals (RFP) document and cost proposal template issued by City Colleges of Chicago for RFP #NC2608 covering life, accidental death and dismemberment (AD&D), critical illness, and disability insurance. The RFP seeks proposals for employer-paid group term life insurance for eligible full-time active employees and retirees, along with voluntary supplemental coverage options. The proposal encompasses basic life and AD&D coverage, voluntary supplemental life and AD&D by age brackets, voluntary AD&D coverage, short-term disability, long-term disability, and critical illness insurance. As of December 2025, the total volume of coverage requested includes $277.97 million in basic life and AD&D, $93.3 million in employee supplemental life coverage, and additional voluntary coverage across multiple product lines. Proposals must be submitted no later than Monday, March 30, 2026 by noon Central Standard Time.
The RFP requires proposers to complete detailed interrogatories addressing general qualifications, administrative and operational capabilities, customer service delivery, claims processing procedures, financial stability, and underwriting systems. Vendors must demonstrate Illinois licensure, provide three years of financial stability ratings, and disclose enrollment data for the metropolitan Chicago area, Illinois, and nationwide markets. The proposal structure mandates that pricing be submitted on the provided Excel template without format alterations, with separate cost proposal tabs for each insurance product line organized by employee classification, age bracket, and coverage type. Proposers must document their ability to transition current enrollees, process evidence of insurability online when possible, provide monthly billing and claims analysis, maintain service levels including toll-free customer service with specified hours, and submit claim status reports electronically.
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| File | Type | Posted |
|---|---|---|
| 1-NC2608-LIFE, ADD, CRITICAL ILLNESS AND DISABILITY INSURANCE RFP.pdf |
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Text version
Overview Tab
| CITY COLLEGES OF CHICAGO |
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE |
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) |
| 1. This document contains the following tabs: |
| * Overview Tab |
| * Interrogatories |
| * Basic Life & AD&D Cost Proposal |
| * Voluntary Supplemental Life & AD&D Cost Proposal |
| * Voluntary AD&D Cost Proposal |
| * Short-term Disability Cost Proposal |
| * Long-Term Disabliltiy Cost Proposal |
| * Critital Illness Cost Proposal |
| 2. Format Alteration |
| DO NOT alter the layout or format of the Cost Proposal in any way. Doing so may result in the loss of your company's data and exclusion from further consideration. |
If you need to provide additional information that will not fit into this structure, please do so in the Notes section.
End of Sheet
Interrogatories
| CITY COLLEGES OF CHICAGO |
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE |
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) |
Proposer's Name:
Proposer shall answer all questions below for Life, Accidental Death & Dismemberment, Short-Term and Long-Term Disability and Critical Illness coverage.
If needed, documents and/or Sample copies can be uploaded in the "Interrogatories Sample Documents" section in Euna/Bonfire Portal.
| General: | ||
| Question # | Question | Vendor Response |
| 1 | Is your organization licensed to do business in Illinois? Are you in compliance with all requirements of the insurance laws and the requirements of the duly constituted insurance regulatory authority of the State of Illinois or any other state in which your company operates? Please specify. | |
| 2 | Is your organization currently engaged in, or does it have, any pending service contracts which may result in a conflict of interest with the City Colleges of Chicago? If yes, describe the potential or actual conflict of interest. | |
| 3 | Submit your three most recent annual financial stability ratings (e.g. Best’s Moody’s, Standard & Poors). | |
| 4 | For each of the services you are proposing, what was the total enrollment on January 1st for each of the past 3 years: |
| i. | Provide both the number of employees and the total number of covered lives in the metropolitan Chicago area. | |
| ii. | Provide both the number of employees and the total number of covered lives in Illinois. | |
| iii. | Provide both the number of employees and covered lives in the USA. | |
| iv. | What is the projected enrollment for the next year? Provide both the number of employees and the total number of covered lives. | |
| 5 | Indicate the number of people you employ in each of the following areas: |
| i. | Management | |
| ii. | Claims processing | |
| iii. | Provider relations/management | |
| iv. | Systems | |
| v. | Customer service/eligibility units | |
| vi. | Quality assurance; and | |
| vii. | Legal | |
| 6 | Can your organization duplicate the current plans and classes (for active employees and retirees) provided in this RFP and appendices? This includes life insurance, accidental death and dismemberment, short-term disability, long-term disability and critical illness. If not, please specify required plan design changes. | |
| Administrative & Operations: | ||
| 1 | Illustrate your ability to provide analysis of plan change proposals. Include estimates of time and identify incremental costs, if any. | |
| 2 | Discuss how your organization would implement the addition of a significant number of new employees and dependents to your client base. Include in your statement how you will transition this group from the existing service provider to your organization, if selected. Be specific as to what data you would require from the current service provider(s) in order to assure a smooth transition. Include a listing of any specific data you would require to insure a smooth transition. | |
| 3 | Describe the Evidence of Insurability (EOI) process from CCC’s notification of new enrollees, to employee document submission and approval/denial. Can this be an interface? | |
| 4 | List any interfaces needed as part of EOI or open enrollment processes. | |
| 5 | Provide sample forms and/or standard materials used in administering the services including monthly billing forms and the calculations needed. | |
| 6 | Customer Service: | |
| i. | What are your general business hours? | |
| ii. | Hours for customer service? | |
| iii. | Where is your customer service function located? | |
| iv. | When a plan member calls the toll free number, what are the qualifications of the person who answers the call? | |
| v. | Describe your customer service representative training program. What are the minimum educational qualifications for customer service? | |
| vi. | Do you have a website for enrollee inquiries? How do you ensure privacy? | |
| vii. | Do you have a cell phone text message function, an iPhone, iPad, Android or other smart phone app? How do you ensure privacy? | |
| viii. | Describe hiring and training processes for all claim office staff, including processors, supervisors/team leaders, member services, and data entry operators. | |
| 7 | What underwriting system software is utilized for life insurance underwriting? What date was this system originally implemented? Can life insurance applications be submitted and approved online? | |
| 8 | How do you propose to address any errors made in the administration of the program? If you make an error in plan set-up, will you reimburse the City Colleges of Chicago for any claims that are paid in error? How do you insure the accuracy of benefit provisions incorporated into any claim payment system? How are errors detected? Provide examples of administrative errors that the Proposer has made and describe how the errors were corrected. When are errors reported to the employer? Will you accept liability for claim processor negligence? Fraud? | |
| 9 | Describe the claim system for life insurance and accidental death & dismemberment claims as appropriate: | |
| a. | Describe the workflow from the time a claim is received until it is paid. | |
| b. | Describe how reimbursements are distributed. How long for date of receipt does it take to distribute a lump sum payment on a “clean” claim? Is interest credited from the date of death to the time the check is actually dated and mailed to the beneficiary? You’re your system have the flexibility to capture an alternative date for interest calculations such as the date CCC receives complete information from the beneficiary for claim processing? | |
| c. | What security measures are in place to ensure that reimbursements are issued to the proper party? | |
| d. | How are “pending” claims handled? How often are follow-ups done? Who is responsible for the follow-up? How long is individual claim history maintained online? | |
| e. | Describe any claim system changes planned for the next two years. | |
| f. | Describe back-up systems and disaster plans for the claims processing office and the computer center? | |
| g. | Describe the claim exception process. | |
| 10 | Describe: |
| a. | All internal and external audit processes conducted by your organization to continuously maintain the integrity of the plan; | |
| b. | Who conducts internal audits; | |
| c. | How often are internal audits conducted; and, | |
| d. | How frequently are clients provided with internal quality control audit reports? | |
| e. | Do you have a dedicated internal audit staff? | |
| 11 | Define disability for purposes of qualifying for waiver of premium benefits. Explain the waiver of premium approval process, time limits for CCC to submit the claim for eligibility, and turnaround time for waiver of premium approval. Can disability waiver of premium benefits underwriting, and approval be completed online? | |
| 12 | Can claim status reports be transmitted online? Provide the frequency of these reports. | |
| 13 | Can you provide data in an electronic file using Microsoft Excel? | |
| Financial: | ||
| 1 | What percentage of annual expenditures have been paid to related parties (i.e., subsidiaries or affiliates or parent company; joint venture partners or firms in which you hold an interest greater than 10%) for each of the past three years? Describe these related party relationships. | |
| 2 | Does your organization provide protection against the risk of insolvency by continuing benefit payments for the term of the agreement for which premium payments have been made or until members are discharged from inpatient facilities? If yes, describe the protection mechanism. | |
| Additional Questions: | ||
| 1 | Describe the Evidence of Insurability process and when Evidence of Insurability will be required. | |
| 2 | Describe your actively at work provisions and the employees who would fall outside of your actively at work provision. | |
| 3 | Provide sample copies of all the following forms and documentation similar to the ones that will be used by CCC for your services: |
• Insurance applications
• Evidence of insurability form(s)
• Certificate of Insurance
• Change form
• Claims form
• Other related forms
• List any insurance contracts you have in force with other City of Chicago agencies.
Basic Life & AD&D
| CITY COLLEGES OF CHICAGO |
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE |
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) |
Proposer's Name:
| Basic Life/AD&D | * Volume as of 12/2025 | Proposal |
| Active Group Life (per $1,000 of coverage) | ||
| Basic Life – Active Employees (Classes 1, 2, 3 & 4) | 248,123,000 | |
| Basic AD&D - ($5,000 - Local 1708 Only) | 1,590,000 | |
| Basic Life - ($5,000 - Local 1708 Only) | 1,590,000 | |
| Retiree Basic Life – Local 1600 Retirees Maximum Coverage - $100,000 | 12,915,000 |
Basic Life – All Other Retirees 13,749,000
| TOTAL | 277,967,000 |
| Monthly Premium | |
| Annual Premium | |
| Rate Guarantee | |
| * The volume is the dollar amount of coverage that is being covered. |
Vendor Notes:
Vol Supplemental Life & AD&D
| CITY COLLEGES OF CHICAGO |
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE |
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) |
| Proposer's Name: | |||||||
| Voluntary Supplemental Life/AD&D | |||||||
| Employee Supplemental Life (per $1,000 of coverage) | Age | Volume as of 12/2025 | Proposal | Employee Supplemental AD&D (per $1,000 of coverage) | Age | * Volume as of 12/2025 | Proposal |
| 0-24 | 25,000 | 0-24 | 400,000 | ||||
| 25-29 | 2,375,000 | 25-29 | 2,225,000 | ||||
| 30-34 | 3,825,000 | 30-34 | 4,400,000 | ||||
| 35-39 | 7,925,000 | 35-39 | 9,325,000 | ||||
| 40-44 | 15,475,000 | 40-44 | 15,075,000 | ||||
| 45-49 | 18,775,000 | 45-49 | 18,275,000 | ||||
| 50-54 | 17,650,000 | 50-54 | 16,875,000 | ||||
| 55-59 | 15,875,000 | 55-59 | 13,850,000 | ||||
| 60-64 | 8,150,000 | 60-64 | 10,075,000 | ||||
| 65-69 | 2,450,000 | 65-69 | 1,600,000 | ||||
| 70-74 | 750,000 | 70-74 | 350,000 | ||||
| 75+ | 25,000 | 75+ | 225,000 | ||||
| Total Employee Supplemental Life | 93,300,000 | Total Employee Supplemental AD&D | 92,675,000 |
| Spouse Supplemental Life (per $1,000 of coverage) | Age | Volume as of 12/2025 | Proposal | Spouse Supplemental AD&D (per $1,000 of coverage) | Age | Volume as of 12/2025 | Proposal |
| 0-24 | 0 | 0-24 | 0 | ||||
| 25-29 | 300,000 | 25-29 | 450,000 | ||||
| 30-34 | 1,030,000 | 30-34 | 1,340,000 | ||||
| 35-39 | 2,210,000 | 35-39 | 3,250,000 | ||||
| 40-44 | 4,990,000 | 40-44 | 5,040,000 | ||||
| 45-49 | 6,210,000 | 45-49 | 5,620,000 | ||||
| 50-54 | 5,480,000 | 50-54 | 5,150,000 | ||||
| 55-59 | 4,020,000 | 55-59 | 4,330,000 | ||||
| 60-64 | 2,020,000 | 60-64 | 2,870,000 | ||||
| 65-69 | 570,000 | 65-69 | 600,000 | ||||
| 70-74 | 100,000 | 70-74 | 160,000 | ||||
| 75+ | 0 | 75+ | 200,000 | ||||
| Total Spouse Supplemental Life | 26,930,000 | Total Spouse Supplemental AD&D | 29,010,000 |
| Supplemental Child (per unit of coverage) | 10,000 | 190,000 | Supplemental Child AD&D (per unit of coverage) | 10,000 | 230,000 |
| 25,000 | 5,775,000 | 25,000 | 4,250,000 | ||
| * The volume is the dollar amount of coverage that is being covered. | |||||
| Vendor Notes: |
Voluntary AD&DVol
| CITY COLLEGES OF CHICAGO |
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE |
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) |
| Proposer's Name: | ||
| Voluntary AD&D (per $1,000 of coverage) | * Volume as of 12/2025 | Proposal |
| - Employees | 92,675,000 | |
| - Spouses | 29,010,000 | |
| -Dependent Child(ren) | 4,480,000 | |
| * The volume is the dollar amount of coverage that is being covered. |
Vendor Notes:
Short Term Disability
| CITY COLLEGES OF CHICAGO |
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE |
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) |
Proposer's Name:
| Short-Term Disability | * Volume as of 12/2025 | Proposal | |
| Employer Provided Short-Term Disability - Local 1708 - Weekly Benefit $150 | 47,700 | ||
| Voluntary Short-Term Disability | Age | Volume as of 12/2025 | Proposal |
| 0-24 | 3,373 | ||
| 25-29 | 23,604 | ||
| 30-34 | 35,638 | ||
| 35-39 | 66,114 | ||
| 40-44 | 78,206 | ||
| 45-49 | 71,826 | ||
| 50-54 | 71,411 | ||
| 55-59 | 52,407 | ||
| 60-64 | 54,568 | ||
| 65-69 | 16,949 | ||
| 70+ | 5,899 | ||
| * The volume is the dollar amount of coverage that is being covered. |
Vendor Notes:
Long-Term Disability
| CITY COLLEGES OF CHICAGO |
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE |
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) |
| Proposer's Name: | |||
| Voluntary Long-Term Disability | Age | * Volume as of 12/2025 | Proposal |
| 0-24 | 25,614 | ||
| 25-29 | 228,502 | ||
| 30-34 | 279,911 | ||
| 35-39 | 644,245 | ||
| 40-44 | 756,761 | ||
| 45-49 | 794,990 | ||
| 50-54 | 851,065 | ||
| 55-59 | 717,064 | ||
| 60-64 | 361,884 | ||
| 65-69 | 253,291 | ||
| 70+ | 61,971 | ||
| * The volume is the dollar amount of coverage that is being covered. |
Notes:
Critical Illness
| CITY COLLEGES OF CHICAGO | |||
| Request For Proposals (RFP) #NC2608 - LIFE, AD&D, CRITICAL ILLNESS AND DISABILITY INSURANCE | |||
| Proposals due: no later than Monday, March 30, 2026 by noon (CST) | |||
| Voluntary Critical Illness - Employee | Age | * Volume as of 12/2025 | Proposal |
| 0-24 | 105,000 | ||
| 25-29 | 1,335,000 | ||
| 30-34 | 1,380,000 | ||
| 35-39 | 1,995,000 | ||
| 40-44 | 2,160,000 | ||
| 45-49 | 2,070,000 | ||
| 50-54 | 1,935,000 | ||
| 55-59 | 1,185,000 | ||
| 60-64 | 915,000 | ||
| 65-69 | 195,000 | ||
| 70-74 | 60,000 | ||
| 75-79 | 15,000 | ||
| 13,350,000 | Annual rate per $1,000 |
| Voluntary Critical Illness - Spouse | Age | * Volume as of 12/2025 | Proposal |
| 0-24 | 0 | ||
| 25-29 | 60,000 | ||
| 30-34 | 180,000 | ||
| 35-39 | 435,000 | ||
| 40-44 | 840,000 | ||
| 45-49 | 735,000 | ||
| 50-54 | 615,000 | ||
| 55-59 | 375,000 | ||
| 60-64 | 345,000 | ||
| 65-69 | 0 | ||
| 70-74 | 15,000 | ||
| 75-79 | 0 | ||
| 3,600,000 | Annual rate per $1,000 |
| Voluntary Critical Illness - Dependent Child(ren) | 3,990,000 |
| * The volume is the dollar amount of coverage that is being covered. |
Vendor Notes:
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