5-Attachment 6 Claims Experience STD and OSTD.pdf

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Attached to
Insurance including: Group Term Life, Accidental Death & Dismemberment, Short-Term and Long-Term Disability
Solicitation number
RFP01-260720B01-DISLIF-XXXXXX
Issued by
Florida

About this file

Written by GovTribe AI ·

This is a Claims Experience report for Florida Virtual School's (FLVS) insurance coverage provided by Lincoln Financial Group, detailing Short-Term Disability (STD), Optional Short-Term Disability (OSTD), and Weekly Income (WI) plans. The report contains monthly group-level experience data from October 2023 through September 2025, tracking billed premiums, paid premiums, paid claims, billed volume, billed lives, and reserves for each coverage type. For the STD/OSTD combined period (October 2023 through September 2024), the group maintained approximately 645 lives with billed premiums totaling $89,410.37 and paid claims of $4,738.60, representing a claims-to-premium ratio of 5.30%. The subsequent reporting period (October 2024 through September 2025) shows 664 lives covered with billed premiums of $93,941.23 and paid claims of $35,641.70, reflecting a claims-to-premium ratio of 41.44%, indicating a significant increase in claims activity.

The Weekly Income coverage demonstrates higher claims experience across both reporting periods. The initial period (October 2023 through September 2024) generated $63,316.60 in billed premiums for approximately 3,275 lives with paid claims totaling $39,752.44, yielding a claims-to-premium ratio of 62.78%. The subsequent period (October 2024 through September 2025) produced $67,729.76 in billed premiums covering 3,606 lives with paid claims of $39,852.38, representing a 64.18% claims-to-premium ratio on a paid premium basis and 58.84% on a billed premium basis. The combined coverage subtotals indicate total billed premiums of $314,397.96 across all three insurance types with cumulative paid claims of $159,985.12, demonstrating the claims history and utilization patterns for FLVS's disability and income protection insurance programs.

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Other files

File Type Posted
2-Attachment 3 FLVS Life and DI RFP Plan Deviations 2026.xlsx XLSX spreadsheet
9-Attachment 10 Florida Virtual School Cert Final Lincoln LTD 20250701.pdf PDF
16-Attachment 17 Florida Virtual School Policy Final Lincoln LTD 20250701.pdf PDF
18-Attachment 1 Employee and Retiree Census.xlsx XLSX spreadsheet
6-Attachment 7 Claims Experience Voluntary life including Waiver Report.pdf PDF
12-Attachment 13 Florida Virtual School Cert Final Lincoln Vol Life 20250701.pdf PDF
4-Attachment 5 Claims Experience Basic Life and ADD including Waiver Report.pdf PDF
11-Attachment 12 Florida Virtual School Cert Cls 02 Final Lincoln Life AD D 20250701.pdf PDF
3-Attachment 4 Cost Proposal.xlsx XLSX spreadsheet
1-Attachment 2 Lincoln Financial - Self Bill Summary October 2025.docx DOCX document
14-Attachment 15 Florida Virtual School Policy Final Lincoln Vol Life 20250701.pdf PDF
19-RFP01-2604720B01-DISLIF-XXXXXX.pdf PDF
13-Attachment 14 Florida Virtual School Policy Final Lincoln Life AD D 20250701.pdf PDF
17-FORMS PACKET -ALL.pdf PDF
8-Attachment 9 Florida Virtual School Cert Final Lincoln STD 20250701.pdf PDF
7-Attachment 8 Claims Experience LTD.pdf PDF
15-Attachment 16 Florida Virtual School Policy Final Lincoln STD 20250701.pdf PDF
10-Attachment 11 Florida Virtual School Cert Cls 01 Final Lincoln Life AD D 20250701.pdf PDF
Show all 18

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Group Level Experience thru

Group Level Experience

Date Billed Premium Paid Premium Paid Claims Billed Volume Billed Lives Reserves

202310 $7,269.05 $7,269.05 - 519,218 645 -

202311 $7,238.48 $7,238.48 - 517,034 642 -

202312 $7,489.86 $7,489.86 - 534,990 644 -

202401 $7,500.08 $7,500.08 - 535,720 645 -

202402 $7,468.04 $7,468.04 $137.81 533,431 642 -

202403 $7,449.48 $7,449.48 $2,875.49 532,106 641 -

202404 $7,472.07 $7,472.07 $1,725.30 533,719 643 -

202405 $7,470.06 $7,470.06 - 533,575 642 -

202406 $7,486.04 $7,486.04 - 534,717 642 -

202407 $7,452.45 $7,452.45 - 532,318 642 -

202408 $7,573.45 $7,573.45 - 540,961 655 -

202409 $7,541.31 $7,541.31 - 538,665 652 -

$89,410.37 $89,410.37 $4,738.60 532,205 645 $0.00

Paid Claims / Paid Premium = 5.30%

Paid Claims / Billed Premium = 5.30%

Optional Weekly Income Weekly Income 01-0252136-00000 Eff. Date: 7/1/19 Active

FLORIDA VIRTUAL SCHOOL FLVIRTUAL2

OWI

Report Run Date: 10/14/2025 Confidential/Proprietary Information - For Intended Recipients' Use Only - Do Not Distribute Without Permission From Lincoln Financial GroupVersion 1.0

FLVIRTUAL2

Group Level Experience

Date Billed Premium Paid Premium Paid Claims Billed Volume Billed Lives Reserves

202410 $7,599.97 $7,599.97 - 542,855 658 -

202411 $7,603.94 $7,603.94 $292.32 543,139 659 -

202412 $7,802.66 $7,802.66 - 557,333 657 -

202501 $7,801.25 - $465.00 557,232 657 -

202502 $7,807.26 $7,801.25 $4,160.31 557,662 658 -

202503 $7,888.05 $7,807.26 $2,479.86 563,432 666 -

202504 $7,918.83 $7,888.05 $2,629.35 565,631 669 -

202505 $7,880.36 $7,918.83 $1,376.79 562,883 666 -

202506 $7,856.10 $15,736.46 $12,035.46 561,150 663 -

202507 $7,930.98 - $5,802.66 566,498 671 -

202508 $7,920.85 $7,930.98 $3,639.87 565,775 670 -

202509 $7,930.98 $7,920.85 $2,760.08 566,498 671 -

$93,941.23 $86,010.25 $35,641.70 559,174 664 $0.00

Paid Claims / Paid Premium = 41.44%

Paid Claims / Billed Premium = 37.94%

Optional Weekly Income Weekly Income 01-0252136-00000 Eff. Date: 7/1/19 Active

FLORIDA VIRTUAL SCHOOL FLVIRTUAL2

OWI

Cvg Sub-total Billed Premium Paid Premium Paid Claims Billed Volume Billed Lives Reserves

OWI $183,351.60 $175,420.62 $40,380.30 545,689 654 $0.00

Weekly Income Weekly Income 01-0252136-00000 Eff. Date: 7/1/19 Active

FLORIDA VIRTUAL SCHOOL FLVIRTUAL2

WI

Report Run Date: 10/14/2025 Confidential/Proprietary Information - For Intended Recipients' Use Only -

Group Level Experience

Date Billed Premium Paid Premium Paid Claims Billed Volume Billed Lives Reserves

202310 $5,145.53 $5,145.53 $9,344.76 816,750 2,367 -

202311 $5,164.43 $5,164.43 $963.21 819,750 3,280 -

202312 $5,194.35 $5,194.35 $295.84 824,500 3,298 -

202401 $5,206.95 $5,206.95 $1,235.72 826,500 3,306 -

202402 $5,213.25 $5,213.25 $135.23 827,500 3,310 -

202403 $5,247.90 $5,247.90 $1,547.72 833,000 3,332 -

202404 $5,262.08 $5,262.08 $2,219.90 835,250 3,341 -

202405 $5,276.25 $5,276.25 $8,371.60 837,500 3,350 -

202406 $5,317.20 $5,317.20 $6,413.39 844,000 3,376 -

202407 $5,290.43 $5,290.43 $4,867.98 839,750 3,359 -

202408 $5,476.28 $5,476.28 $4,337.29 869,250 3,477 -

202409 $5,521.95 $5,521.95 $19.80 876,500 3,506 -

$63,316.60 $63,316.60 $39,752.44 837,521 3,275 $0.00

Paid Claims / Paid Premium = 62.78%

Paid Claims / Billed Premium = 62.78%

Weekly Income Weekly Income 01-0252136-00000 Eff. Date: 7/1/19 Active

FLORIDA VIRTUAL SCHOOL FLVIRTUAL2

WI

Report Run Date: 10/14/2025 Confidential/Proprietary Information - For Intended Recipients' Use Only -

Group Level Experience

Date Billed Premium Paid Premium Paid Claims Billed Volume Billed Lives Reserves

202410 $5,569.20 $5,569.20 $1,861.42 884,000 3,536 -

202411 $5,614.88 $5,614.88 $3,240.47 891,250 3,565 -

202412 $5,618.03 $5,618.03 $-1,157.79 891,750 3,567 -

202501 $5,633.78 - $1,777.02 894,250 3,577 -

202502 $5,629.05 $5,633.78 $4,550.00 893,500 3,574 -

202503 $5,666.85 $5,629.05 $1,147.71 899,500 3,598 -

202504 $5,682.60 $5,666.85 $2,634.79 902,000 3,608 -

202505 $5,718.83 $5,682.60 $3,419.62 907,750 3,631 -

202506 $5,688.90 $11,407.73 $8,511.55 903,000 3,612 -

202507 $5,630.63 - $6,794.97 893,750 3,575 -

202508 $5,646.38 $5,630.63 $2,920.37 896,250 3,858 -

202509 $5,630.63 $5,646.38 $4,152.25 893,750 3,575 -

$67,729.76 $62,099.13 $39,852.38 895,896 3,606 $0.00

Paid Claims / Paid Premium = 64.18%

Paid Claims / Billed Premium = 58.84%

01-0252136-00000 Eff. Date: 7/1/19 Active

FLORIDA VIRTUAL SCHOOL FLVIRTUAL2

Cvg Sub-total Billed Premium Paid Premium Paid Claims Billed Volume Billed Lives Reserves

WI $131,046.36 $125,415.73 $79,604.82 866,708 3,441 $0.00

Report Run Date: 10/14/2025 Confidential/Proprietary Information - For Intended Recipients' Use Only -

Group Level Experience

Report Run Date: 10/14/2025 Confidential/Proprietary Information - For Intended Recipients' Use Only -

Group Level Experience
FLVIRTUAL2
01-0252136-00000
OWI
9
noname
WI
9
noname

File details come from the government source that posted it. Updated .