9-B-5 - Life and Disability Vendor Response Exhibits.xls
XLS spreadsheet 58 KB Posted
- Attached to
- District Wide Employee Benefit Services.
- Solicitation number
- RFP 099-2026
- Issued by
- St. Louis County, Missouri
About this file
This is a Life and Disability Vendor Response Exhibit submitted by Cigna for the Saint Louis Public Schools District's District Wide Employee Benefit Services procurement in Missouri. The document outlines Cigna's proposed life and accidental death and dismemberment (AD&D) benefit plan effective January 1, 2027, designed to serve the district's active and retired employees. The exhibit details the benefit structure across two eligibility classes: Superintendent (Class 1) and All Other Employees (Class 2), with corresponding coverage amounts and terms. The broader RFP seeks to contract with qualified firms to provide comprehensive benefit plans including medical and prescription drug coverage, employee assistance plans, wellness programs, dental and vision coverage, basic life and AD&D, voluntary life, long-term disability, and short-term disability services.
The proposed plan maintains current contribution levels while specifying benefit parameters including Class 1 coverage at 1.5 times earnings with a $400,000 maximum and Class 2 coverage at $40,000. The plan provides full guarantee issue benefits with no reductions, waiver of premium provisions for six months of elimination period with benefits extending to age 65 if disability occurs prior to age 60, and accelerated benefits for terminal conditions. Coverage ceases at retirement with no continuation beyond that point. The current carrier is Cigna, and the district indicated that vendor presentations may be requested following the submission deadline to support evaluation of proposals.
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Text version
Life
| St. Louis Public Schools | ||
| Life/AD&D Benefit Outline and Rate Summary | ||
| January 1, 2027 Effective Date | ||
| Cigna | ||
| Current Plan | Carrier:__________________ |
Proposed Plan - Match Current
| Contributions | Non-Contrib |
| Eligibility | |
| Class 1: | Superintendent |
| Class 2: | All Other Employees |
| Benefit Amount | Class 1: 1.5 x earnings |
Class 2: $40,000 Maximum Class 1: $400,000 Class 2: $40,000
| Guarantee Issue | Full Benefit |
| Benefit Reductions | None; Coverage ceases at retirement |
| Waiver of Premium | 6 month EP; If disabled prior to age 60, benefits extend to age 65 |
| Accelerated Benefits | Terminal condition and <12 month life expectancy, able to access up to 75% of benefit |
| Portability | Included |
| Conversion | Included |
| AD&D Rider | Matches Life Benefit |
| Rate Guarantee | |
| Volumes, Rates | |
| Number of Covered Employees | |
| Benefit Volume | |
| Life Rate per $1,000 | $0.210 |
| AD&D Rate per $1,000 | $0.020 |
| Notes |
Vol. Life
| St. Louis Public Schools | ||
| Voluntary Life Benefit Outline and Rate Summary | ||
| January 1, 2027 Effective Date | ||
| Cigna | ||
| Current Plan | Carrier:_______________ |
Proposed Plan - Match Current
| Eligibility | All Full Time Employees |
| Benefit Increments | |
| Employee | Options of $5k, $10k, $20k, $50k, $75k, $100k, $125k, $150k, or $200k |
| Spouse | Units of $10,000 |
| Children | Live birth to 26 years: Options of $5k, $7.5k, or $10k |
| Child Age Limit | 26 years regardless of student status |
| Benefit Maximums | |
| Employee | $200,000 |
| Spouse | 50% of EE Amt or $100,000 |
| Children | $10,000 |
| Guarantee Issue EE/SP/CH | $200,000 / $20,000 / $10,000 |
| Benefit Reductions | None |
| Waiver of Premium | 6 month EP; If disabled prior to age 60, benefits extend to age 65 |
| Accelerated Benefits | Terminal condition and <12 month life expectancy, able to access up to 75% of benefit |
| Portability | Included |
| Conversion | Included |
| Open Enrollment | N/A |
| Annual Enrollment | Increase by 1 Benefit Level up to the GI amount |
| Participation | |
| Rate Guarantee | |
| Life Rates per $1,000 | |
| Employee | $0.340 |
| Spouse | $0.340 |
| Child (All Chilldren) | $0.150 |
| Notes |
STD
| St. Louis Public Schools | ||
| Short Term Disability Benefit Outline and Rate Summary | ||
| January 1, 2027 Effective Date | ||
| Cigna | ||
| Current Plan | Carrier: _______________ |
Proposed Plan - Match Current
| Contributions | Non-Contrib |
| Eligibility | All Active Full Time Employees, excluding Local 50 and Local 2 Employees who have elected to participate in the Employer Sponsored sick leave plan |
| Minimum Weekly Hours | 30 |
| Waiting Period | 90 days of Active Service |
| Elimination Period | |
| Accident | 30 calendar days |
| Sickness | 30 calendar days |
| Benefit Percentage | 60% |
| Maximum Weekly Benefit | $2,308 |
| Minimum Weekly Benefit | $25 |
| Benefit Duration | 26 weeks |
| Includes EP? | Yes |
| Pre-existing Condition | None |
| Covered Earnings | Wage / Salary reported by Employer; does not include bonus, commissions, overtime, or other Compensation |
| FICA Match | Included |
| W-2 Reporting | Included |
| Rate Guarantee | |
| Volumes, Rates & Total Cost | |
| Number of Covered Employees | |
| Benefit Volume | |
| STD Rate PEPM | $19.85 |
| Notes | |
| SLPS maintains a sick leave & personal days policy |
LTD
| St. Louis Public Schools | ||
| Long Term Disability Benefit Outline and Rate Summary | ||
| January 1, 2027 Effective Date | ||
| Cigna | ||
| Current Plan | Carrier:_________________ |
Proposed Plan - Match Current
| Contributions | Non-Contrib |
| Eligibility | |
| Class 1: | Superintendent |
| Class 2: | All Other Active Full Time Employees, excluding Local 50 and Local 2 Employees who have elected to participate in the Employer Sponsored sick leave plan |
| Minimum Weekly Hours | 30 |
| Waiting Period | 90 days of Active Service |
| Benefit Percentage | Class 1: 66.67% |
Class 2: 60%
| Minimum Monthly Benefit | $100 or 15% |
| Maximum Monthly Benefit | Class 1: $15,000 |
Class 2: $10,000
| Activities of Daily Living Benefit | Not Included |
| Definition of Disability | Loss of Duty AND Income |
| Own Occ Period | 24 months |
| Earnings Test | 80/60 |
| Elimination Period | 180 days or end of the STD period |
| Benefit Duration | SSNRA or Max Benefit Period as Defined |
| Work Incentive Period | 24 months |
| Social Security Integration | Family |
| Survivor Benefit | 3 months |
| Alcohol and Drug Benefit Limitation | 24 months per lifetime |
| Mental Nervous Benefit Limitation | 24 months per lifetime |
| Self-Reported Benefit Limitation | Unlimited |
| Pre-existing Conditions | 3/12 |
| Rehabilitation Benefit | Not Included |
| Covered Earnings | Wage / Salary reported by Employer; does not include bonus, commissions, overtime, or other Compensation |
| FICA Match | Included |
| W-2 Reporting | Included |
| Rate Guarantee | |
| Rates & Total Cost | |
| Number of Non-12 Mo Employees | |
| Number of 12 Mo Employees | |
| Rate for Non-12 Mo Employees PEPM | $15.39 |
| Rate for 12 Mo Employees PEPM | $15.79 |
| Notes | |
| Non 12-mo FTEs pay 1/2 of monthly fee for 20 pay periods; 12-mo FTEs pay 1/2 of fee for 24 pay periods. |
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