20-J-5 Life ADD Claims REV0324.xlsx

This file is a life insurance claims database from The Board of Education of the City of Saint Louis Public Schools (SLPS), documenting employee and dependent life insurance claims processed under policy FLX0963718 and supplementary AD&D coverage under policy OK0965352. The spreadsheet contains historical claims data spanning from 2011 through January 2026, tracking individual claims by covered relationship (employee, spouse, or child), coverage plan type (Basic Life, Supplemental Life, Dependent Life, Accidental Death & Dismemberment, and Waivers), and claim outcomes. The data includes claim amounts ranging from basic $40,000 coverage to supplemental policies exceeding $200,000, with individual claim processing documented through approval or denial decisions and associated payment dates.

The claims database reflects SLPS's comprehensive life and AD&D insurance program for active and retired employees, as referenced in the district's Request for Proposal for District Wide Employee Benefit Services. The file documents claim status tracking, including approved claims with payment amounts processed, denied claims with zero payments, waived claims indicating coverage suspensions, and active claims still under review. Coverage amounts paid demonstrate actual benefit distribution across the employee population, with payment processing timelines typically ranging from one to four months between loss date, documentation receipt, and payment authorization. The data serves as historical claims experience documentation relevant to potential carriers responding to SLPS's benefit services procurement, providing actuarial information necessary for proposal development and rate modeling for life and AD&D coverage continuation.