47413282-9830-5BA4-96685E7F9A28C371.xlsx
XLSX spreadsheet 33 KB Posted
- Attached to
- Audio Visual System for Conference Room
- Solicitation number
- RFP 2026-10-09
- Issued by
- Franklin County, Ohio
About this file
This is a health insurance marketplace report for the Franklin County Cooperative Health Improvement Program, covering Short Term Disability (STD) coverage experience data. The report presents premium and claims information across multiple experience periods from January 1, 2022 through July 31, 2025, organized by customer and experience number 0157775. The document provides comprehensive monthly data detailing employee lives covered, premium amounts billed, fees paid, and claims paid for each month within the selected reporting periods.
The report demonstrates consistent growth in the STD program over the analyzed periods. Average lives covered increased from 2,379 in 2022 to 2,856 by mid-2025, while average annual premiums rose from $1,523,594 in 2022 to $2,098,630 in the 2025 year-to-date period. Average annual fees paid increased proportionally from $715,682 to $577,422, and average annual claims paid grew from $481,823 to $416,476. Monthly premium amounts remain relatively stable, ranging from approximately $1.5 to $2.1 million, with corresponding monthly claims varying between $24,459 and $81,236. The report includes detailed definitions of key metrics such as accumulated benefits, claim reserves, claim status codes, limited benefit duration indicators, cost of living adjustments, survivor benefits, and Social Security status determinations to facilitate comprehensive understanding of the disability insurance experience data.
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Text version
Cover Page_1
| FRANKLIN COUNTY COOPERATIVE HEALTH IMPROVEMENT PRO | |||
| The Marketplace Report | |||
| Date Range(s) Selected: | |||
| From: | 01/01/2025 | To: | 07/31/2025 |
| From: | 01/01/2024 | To: | 12/31/2024 |
| From: | 01/01/2023 | To: | 12/31/2023 |
| From: | 01/01/2022 | To: | 12/31/2022 |
| Report Parameters : | |||
| Report Type: | Premium & Claims | ||
| Customer #: | 0157775 | ||
| Experience #: | 0157775 | ||
| Coverage(s): | STD | ||
| Organized By: | Experience Number |
8/13/2025 12:14:34 PM Page 1 of 4
Summary Info_2
| FRANKLIN COUNTY COOPERATIVE HEALTH IMPROVEMENT PRO | |||||||
| Summary Information | |||||||
| DISABILITY | |||||||
| Start Date | End Date | Months | Average | Average Volume | Premium | Fees | Paid Claims |
| Lives | |||||||
| Experience - 0157775 | |||||||
| Short Term Disability | |||||||
| 01/01/2022 | 12/31/2022 | 12 | 2,379 | $1,523,594 | $715,682 | - | $481,823 |
| 01/01/2023 | 12/31/2023 | 12 | 2,434 | $1,812,259 | $798,322 | - | $569,230 |
| 01/01/2024 | 12/31/2024 | 12 | 2,686 | $1,974,733 | $934,828 | - | $630,420 |
| 01/01/2025 | 07/31/2025 | 7 | 2,856 | $2,098,630 | $577,422 | - | $416,476 |
| *** If your coverage includes a core plan and a buy up plan, some of the buy up lives could be counted twice. | |||||||
| 8/13/2025 12:14:34 PM | Page 2 of 4 |
STD Monthly_3
| FRANKLIN COUNTY COOPERATIVE HEALTH IMPROVEMENT PRO | ||||||
| Short Term Disability - Monthly | ||||||
| Coverage | Month | Employee | Employee | Premium | Fees | Paid Claim |
| Lives | Volume | Amount | ||||
| Experience - 0157775 | ||||||
| Short Term Disability | 01/01/2022 | 2,367 | $1,458,097 | $58,046 | - | $63,843 |
| Short Term Disability | 02/01/2022 | 2,386 | $1,558,022 | $58,406 | - | $35,915 |
| Short Term Disability | 03/01/2022 | 2,387 | $1,539,529 | $57,942 | - | $62,417 |
| Short Term Disability | 04/01/2022 | 2,397 | $1,514,680 | $58,528 | - | $40,517 |
| Short Term Disability | 05/01/2022 | 2,384 | $1,501,491 | $59,312 | - | $36,973 |
| Short Term Disability | 06/01/2022 | 2,383 | $1,514,657 | $60,415 | - | $28,131 |
| Short Term Disability | 07/01/2022 | 2,385 | $1,526,833 | $56,426 | - | $31,533 |
| Short Term Disability | 08/01/2022 | 2,334 | $1,483,139 | $59,144 | - | $34,845 |
| Short Term Disability | 09/01/2022 | 2,350 | $1,527,389 | $60,981 | - | $26,107 |
| Short Term Disability | 10/01/2022 | 2,376 | $1,546,403 | $61,671 | - | $59,445 |
| Short Term Disability | 11/01/2022 | 2,410 | $1,563,156 | $61,655 | - | $26,055 |
| Short Term Disability | 12/01/2022 | 2,393 | $1,549,728 | $63,153 | - | $36,042 |
| Short Term Disability | 01/01/2023 | 2,444 | $1,677,310 | $59,484 | - | $33,505 |
| Short Term Disability | 02/01/2023 | 2,463 | $1,814,038 | $67,582 | - | $29,191 |
| Short Term Disability | 03/01/2023 | 2,459 | $1,817,500 | $66,779 | - | $42,141 |
| Short Term Disability | 04/01/2023 | 2,464 | $1,691,553 | $67,856 | - | $43,751 |
| Short Term Disability | 05/01/2023 | 2,400 | $1,709,770 | $66,314 | - | $67,516 |
| Short Term Disability | 06/01/2023 | 2,416 | $1,725,764 | $66,919 | - | $53,991 |
| Short Term Disability | 07/01/2023 | 2,419 | $1,740,800 | $66,393 | - | $38,591 |
| Short Term Disability | 08/01/2023 | 2,408 | $2,012,145 | $65,790 | - | $57,214 |
| Short Term Disability | 09/01/2023 | 2,411 | $1,980,956 | $65,727 | - | $54,812 |
| Short Term Disability | 10/01/2023 | 2,423 | $2,046,613 | $68,528 | - | $43,400 |
| Short Term Disability | 11/01/2023 | 2,443 | $1,817,912 | $69,342 | - | $46,708 |
| Short Term Disability | 12/01/2023 | 2,457 | $1,712,748 | $67,609 | - | $58,410 |
| Short Term Disability | 01/01/2024 | 2,584 | $2,067,989 | $70,758 | - | $40,973 |
| Short Term Disability | 02/01/2024 | 2,643 | $1,917,692 | $77,374 | - | $24,459 |
| Short Term Disability | 03/01/2024 | 2,656 | $1,945,565 | $74,409 | - | $56,572 |
| Short Term Disability | 04/01/2024 | 2,643 | $1,940,197 | $78,079 | - | $59,259 |
| Short Term Disability | 05/01/2024 | 2,735 | $1,961,968 | $79,347 | - | $76,922 |
| Short Term Disability | 06/01/2024 | 2,696 | $1,975,298 | $77,927 | - | $58,303 |
| Short Term Disability | 07/01/2024 | 2,697 | $1,977,012 | $78,990 | - | $63,203 |
| Short Term Disability | 08/01/2024 | 2,707 | $1,977,711 | $78,462 | - | $58,617 |
| Short Term Disability | 09/01/2024 | 2,711 | $1,982,163 | $79,720 | - | $39,475 |
| Short Term Disability | 10/01/2024 | 2,709 | $1,978,424 | $80,038 | - | $38,703 |
| Short Term Disability | 11/01/2024 | 2,728 | $1,988,637 | $79,861 | - | $49,874 |
| Short Term Disability | 12/01/2024 | 2,720 | $1,984,143 | $79,864 | - | $64,060 |
| Short Term Disability | 01/01/2025 | 2,854 | $2,069,920 | $82,783 | - | $50,930 |
| Short Term Disability | 02/01/2025 | 2,853 | $2,084,953 | $81,969 | - | $45,686 |
| Short Term Disability | 03/01/2025 | 2,841 | $2,086,950 | $83,503 | - | $67,596 |
| Short Term Disability | 04/01/2025 | 2,862 | $2,115,481 | $83,265 | - | $52,101 |
| Short Term Disability | 05/01/2025 | 2,859 | $2,110,279 | $81,934 | - | $56,875 |
| Short Term Disability | 06/01/2025 | 2,860 | $2,111,224 | $81,976 | - | $62,052 |
| Short Term Disability | 07/01/2025 | 2,860 | $2,111,603 | $81,992 | - | $81,236 |
| 8/13/2025 12:14:34 PM | Page 3 of 4 |
Definitions_4
| FRANKLIN COUNTY COOPERATIVE HEALTH IMPROVEMENT PRO | |
| Definitions | |
| General | |
| Age – The age of the claimant at the time of the claim | |
| As Of – The date that the experience information was pulled | |
| End Date – The ending date of the experience period | |
| EOB’s – The number of explanation of benefits processed | |
| Fees – Fees billed | |
| Lives – Number of lives covered under the coverage during the experience period | |
| Months – Number of months captured during the experience period | |
| Premium – Premium billed | |
| Start Date – The beginning date of the experience period | |
| Volume – The total amount of coverage provided |
| Disability | |
| Accumulated Benefit – The total amount paid over the duration of the claim as of the end date of the experience period | |
| Claim Reserves – The amount of money held to pay open claims as of the end date of the experience period | |
| Date of Disability – The date that the disability occurred | |
| Gross Benefit – The total benefit payable prior to adjustments or offsets | |
| STD Monthly – The monthly experience for Short Term Disability | |
| LTD Claim List – The list of all Long Term Disability claims incurred during the experience period | |
| LTD Monthly – The monthly experience for Long Term Disability | |
| Monthly Benefit – The net benefit payable after adjustments or offsets | |
| Incurred Claims (LTD) – Total payments made on claims incurred during the experience period based on date of disability. It does not include reserves, IBNR, or investment credits. | |
| Paid Claims (STD) – Total payments made on claims during the experience period based on payment date | |
| Status – The current state of a claim at the time the experience was pulled | |
| Claim Status Codes: | |
| 00 – Active | The employee has been approved for benefits and will be or currently is receiving benefits. |
| 01 – Declined | The claim for benefits has been denied. The disability claim was initiated but never approved, the claim was never in a payment status. |
| 02 – Waiting | MetLife is waiting for information to continue processing the claim to approve for additional benefits or additional duration. |
| 03 – Ended | The claim has been closed and no further benefits are payable. |
| 04 – Inactive | Payment of benefits have been discontinued. Benefits may recommence upon receipt and review of requested information. |
| 05 – Incomplete | Not all required claim information has been received. |
| PS – Pending | A disability claim that is received by MetLife, but not yet approved. |
| LBC | |
| Y – Claim subject to limited benefit duration | |
| N – Claim not subject to limited benefit duration | |
| COLA | |
| Y – Benefit amount reflects benefit level at valuation at end of experience period. Reserve reflects impact of COLA | |
| N – Claim does not have COLA (cost of living adjustment) | |
| SurvBen | |
| Y - Claim has Survivor Benefit | |
| N - Claim does not have Survivor Benefit | |
| SS Status | |
| SSA – Claim has been approved for SS benefits. SS offset reflected in Monthly Benefit | |
| NED – Claim not eligible for SS benefits or SS request was denied more than twice | |
| SSP – Claim in pending | |
| 8/13/2025 12:14:34 PM | Page 4 of 4 |
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File details come from the government source that posted it. Updated .