441CE78D-F987-C11E-794F97DB70EF1A64.xlsx

This is a pricing document for the Franklin County Cooperative's RFP 2025-06-09 for Disability and Voluntary Programs, which solicits vendors to provide disability insurance, legal services, ID theft insurance, and pet insurance products to county employees. The RFP requests detailed pricing structures across a five-year contract term from January 1, 2027, through December 31, 2031, with years 1-3 subject to rate guarantees and years 4-5 subject to rate increase caps. Vendors must complete separate pricing tables for each product line, specifying fees on various bases such as per participant, per eligible employee per month (PEPM), per member per month (PMPM), or per participant per month (PPPM). For disability insurance, vendors must provide age-banded rates for voluntary short-term disability (STD) and long-term disability (LTD), employer-paid STD options with varying benefit levels, initial setup fees, and fees for additional services including independent medical examinations, communication materials, and audit services. Legal services pricing requires PMPM costs for voluntary legal services options with potential buy-up coverages for appeals or class actions, discounts for bundling, and payment method fees. ID theft insurance pricing must include both voluntary and employer-paid options with individual and family coverage levels, maximum coverage amounts, and additional fees for multi-household coverage or onshore work requirements. Pet insurance pricing requires a standardized rate comparison based on specific assumptions (single medium-sized dog, 80% reimbursement, $5,000 annual benefit, $250 deductible) for both wellness and non-wellness options, along with available discounts and buy-up coverages.

The pricing document requires vendors to clearly identify the basis for all fees and provide comprehensive cost estimates for each contract year, including annual fee estimates and three-year totals. Vendors must also specify rate guarantees for years 1-3 and rate increase caps for years 4-5, provide credits for implementation and employee communications costs, and address numerous additional service charges referenced in the questionnaire, including claims unit designation, disability claim reporting, annual member satisfaction surveys, claim subrogation, customer service representatives, W-2 production and mailing for employer-paid plans, annual communication pieces, onshore work requirements, and case management implementation. The document indicates that setup fees for case management implementation may be paid after the January 1, 2027, effective date, and vendors should note any additional fees required if covered members reside outside the same household. This comprehensive pricing structure allows Franklin County to evaluate total cost of ownership across multiple voluntary benefit programs while ensuring transparency in fee structures and rate escalation controls throughout the contract period.