47413282-9830-5BA4-96685E7F9A28C371.xlsx
XLSX spreadsheet 33 KB Posted
- Attached to
- Process Server
- Solicitation number
- RFP# 2026-08-05
- Issued by
- Franklin County, Ohio
About this file
This is a marketplace report for Short Term Disability (STD) insurance coverage provided by MetLife for the Franklin County Cooperative Health Improvement Program (Experience #0157775, Customer #0157775). The report presents claims and premium data across four selected date ranges: January 1, 2022 through December 31, 2022; January 1, 2023 through December 31, 2023; January 1, 2024 through December 31, 2024; and January 1, 2025 through July 31, 2025. The report was generated on August 13, 2025, and spans four pages of detailed monthly and summary information regarding the cooperative's disability insurance experience.
The STD coverage shows a consistent growth trend across all measured metrics. Average lives covered increased from 2,379 in 2022 to 2,856 for the 2025 year-to-date period. Annual premiums rose from $1,523,594 in 2022 to $2,098,630 for the seven-month 2025 period, while paid claims increased from $481,823 in 2022 to $416,476 for the same 2025 period. Monthly breakdowns reveal relatively stable premium amounts ranging between approximately $1.46 million and $2.12 million, with corresponding fee assessments and claim payments. The report includes detailed definitions of key disability claim status codes (00-05 and PS), limited benefit duration indicators, cost-of-living adjustment provisions, survivor benefit designations, and Social Security offset status classifications to facilitate comprehensive understanding of the cooperative's disability claims experience.
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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 .