addendum-2-rfp-492-27.pdf

STATE OF NEW HAMPSHIRE

DIVISION OF PROCUREMENT AND SUPPORT SERVICES

BUREAU OF PURCHASE AND PROPERTY

STATE HOUSE ANNEX

25 CAPITOL STREET

CONCORD, NEW HAMPSHIRE 03301-6398

Date of Change: May 22, 2026

ADDENDUM # 02 TO PROPOSAL INVITATION 492-27

DATE AND TIME OF BID CLOSING: 5/29/2026 2:00 PM

FOR: GROUP LIFE INSURANCE

Question 1: Is a true open enrollment being requested? When was the last open enrollment held?

State Response: Annual open enrollment is held in November, during which employees may enroll in or make changes to their benefits. No special open enrollment is requested.

Question 2: What is the current benefit admin platform?

State Response: The State currently utilizes the Global Human Resources (GHR) and Human Resources Management (HRM) modules of the Infor ERP (enterprise resource planning) software for human resources, benefits and payroll functions to administer and manage eligibility and enrollments. Benefit elections are currently managed via paper enrollment forms through the State agencies’ HR offices. The State is in the process of implementing Infor’s Cloudsuite hosted product that provides online open enrollment capabilities. The State plans to use online open enrollment in the future, but not for the 2027 annual open enrollment.

Question 3: Should EAP be included in the quote? If so, how many face-to-face visits are needed?

State Response: The State is not requesting EAP services.

Question 4: Please provide an individual claim listing from 1/1/2021 to current for all coverages.

State Response: Refer to the Life Insurance excel file available via the secure FTP. Claims history by line of coverage is included in the file.

Question 5: Is portability of AD&D required?

State Response: Bidders are expected to match the existing plans, which include portability for eligible AD&D coverage.

Question 6: Please confirm the Guarantee Issue Limit on Supplemental Employee Life equal to the plan maximum of $1,000,000?

State Response: Not confirmed. The Guaranteed Issue Amount is 1x salary.

Question 7: Does the State require the carrier to handle any recordkeeping functions? What recordkeeping functions are performed by the current carrier? Is the cost of these included in the rate or billed for separately?

State Response: The carrier is expected to provide services for Evidence of Insurability and Port/Conversion services as outlined in the RFP and any related recordkeeping requirements and include those fees in the rates.

Question 8: Does the State currently partner with or have plans to partner with a third-party entity that will assist in their benefit administration? Please include the name(s) of the entity partner(s) being considered and explain the scope of services they will provide.

State Response: No. This is not being considered at this time. See response to Question 2.

Question 9: Was there an open enrollment or a "free one up" or any other underwriting liberalization in the last 5 years? If so, specify the date and conditions.

State Response: No. There have been no exceptions to the current EOI requirements in the last five years.

Question 10: Please confirm who maintains the beneficiary designation records, and if they are stored on paper (including images) or electronically.

State Response: The beneficiary management process is currently managed via paper beneficiary designation forms completed by eligible employees and maintained at the State agencies’ HR offices. Refer to Section V, Item 6 of the RFP.

Question 11: Please confirm who distributes claim forms to beneficiaries, and how the carrier is notified of a claim.

State Response: Claims are generally initiated at the State agency level via the current carrier’s existing on-line claim portal.

Question 12: Please confirm who sends port/conversion notices to employees.

State Response: The carrier will be expected to provide port/conversion notices to employees. Refer to Section V, Item 11 of the RFP.

Question 13: Please describe the State’s current EOI process (paper, batch, SSO etc.)

State Response: The carrier will be expected to manage the Evidence of Insurability process with the State. If evidence of insurability is required in connection with a request for coverage, the State will provide a weekly file with the employee information sufficient to allow the vendor to email or mail the required EOI paperwork directly to the employee. Refer to Section V, Items 7 & 8 of the RFP.

Question 14: Are there any value adds highly utilized by State employees?

State Response: It is unknown which value adds are utilized by employees; however current carrier provides Travel Assistance, and Bereavement Support, including Funeral Planning & Will Preparation.

Question 15: Please provide a claim list for the experience period or claim counts by product for each year of the experience period.

State Response: Although this data is not required to respond to the RFP, it is now available in the FTP folder titled “Life Claim Detail 2021-2025”.

Question 16: Would the State agree to delete “to withhold payment until such funds become available, if ever, and shall have the right” from Section 4 of the P-37?

State Response: No

Question 17: Would the State agree to amend Section 5.3 of the P-37 to read:

“The State may, to the extent expressly authorized, reserves the right to offset from any amounts otherwise payable to the Contractor under this Agreement those liquidated amounts required or permitted by under N.H. RSA 80:7 through RSA 80:7-c withhold or retain such amounts otherwise due to the Contractor, or for which Contractor is liable, that remain unpaid or any other provision of law.”?

State Response: No

Question 18: Would the State agree to delete Section 5.4 of the P-37?

State Response: No

Question 19: Would the State agree to delete Sections 8.2.2 and 8.2.3 from the P-37?

State Response: No

Question 20: Would the State agree to amend Section 10.1 to make clear that vendor retains ownership of forms and certain pre-existing materials or intellectual property used with all customers?

State Response: Yes

Question 21: Would the State agree to amend Section 12 to limit it to subcontractors specifically assigned to provide services under this agreement?

State Response: Yes

Question 22: Would the State agree to amend Section 13 to make clear it is referencing third-party claims?

State Response: Yes

Question 23: Would the State agree to amend part of the first sentence of Section 13 to state: “relating to its obligations under this Agreement directly arising from…”?

State Response: No

Question 24: Would the State agree to amend part of the first sentence of Section 13 to read “caused by negligent acts or omissions,…”?

State Response: No

Question 25: Please provide an Excel census file with the following information on each insured employee:

• Gender

• Date of birth

• Annual salary

• Class of insured

• Resident state

• Tobacco status

• Amounts of all Life and AD&D coverage

State Response: Information requested above can be accessed on the FTP site. Class of Insured and Tobacco status are not included in the census file and are not available.

Question 26: Please provide an Excel census file with the following information on each retiree insured:

• Gender

• Date of birth

• Resident state

• Amounts of all life and AD&D coverage

• Retirement date

State Response: The State does not provide life insurance plan benefits to retirees.

Question 27: If there are any employees working outside of the United States, including in U.S. territories, please identify them on the census and provide each employee’s country of citizenship and country of employment.

State Response: There are no employees working outside the United States.

Question 28: Please provide census as of date?

State Response: April 3, 2026.

Question 29: Please provide the following experience data separately for each line of coverage from 2020 to 2026:

• Annual paid premiums

• Annual paid claims

• Average annual volume

• A premium rate history

• A detailed list of all death claims paid

State Response Although this data is not required to respond to the RFP, it is now available in the FTP folder titled “Life Claim Detail 2021-2025”.

Question 30: Please provide a copy of a recent monthly billing statement/premium remittance statement to compare census volumes to reported volumes.

State Response: Refer to the sample bill available via the secure FTP.

Question 31: If there is waiver, please provide a list of open Waiver of Premium claims, including gender, date of birth, date of disability, and amounts of life coverage for all current disabled insureds.

State Response: Refer to the Life Insurance excel file available via the secure FTP.

Question 32: Please provide a premium rate history from 2020 to 2026 for each line of Life and AD&D coverage.

State Response: Refer to the Life Insurance excel file available via the secure FTP.

Question 33: Please provide a detailed listing of all death claims incurred between 2020 and 2026.

State Response: Refer to the Life Insurance excel file available via the secure FTP.

Question 34: Please provide a copy of the current Life and AD&D policy or certificate so that our proposal can match current plan provisions as closely as possible. If this isn’t available, please provide the following:

• Plan design (benefits, maximum, guaranteed issue limits, etc.)

• Waiver of premium parameters (e.g. disabled prior to age 60, 9 month elimination premium, terminates at age 65)

• Age reduction schedule

• Any guaranteed issue opportunities available at annual enrollment

State Response: Refer to the Certificate of Coverage available via the secure FTP.

Question 35: Is the retiree group open to future retirees? If not, when did the group close?

State Response: The State does not provide Life Insurance benefits to retirees.

Question 36: Does voluntary AD&D coverage automatically match an employee’s voluntary life election, or is AD&D elected independently of Life coverage?

State Response: Refer to the Certificate of Coverage available via the secure FTP.

Question 37: Is retiree coverage included in this RFP?

State Response: The State does not provide Life Insurance benefits to retirees.

Question 38: If the basic life insurance plan does not include an insured Waiver of Premium benefit, for how long is coverage continued on a premium paying basis for disabled insureds? Please identify on the census the disabled insureds who will transfer to the new carrier.

State Response: Premium waiver is included. At this time, there are no approved Waiver of Premium claims.

Question 39: If there is basic waiver of premium, is the State looking for coordination with Disability? If so, please provide Disability policy?

State Response: No.

Question 40: Have there been any significant plan design changes in the last several years (i.e. change in benefit schedules, acquisitions, mergers)?

State Response: No.

Question 41: Have there been any open or special enrollments during, or just prior to, the experience period? If so, please provide details.

State Response: See Response to Question 1.

Question 42: Does the State currently use a TPA or software vendor for benefits enrollment and eligibility? If so, can the name of the vendor be released?

State Response: See Response to Question 2.

Question 43: Is an implementation credit being requested? How much?

State Response: No, but if the bidder would like to provide an implementation credit, it must be included in the bidder’s response to the financial section of the RFP.

Question 44: Will the life insurance plan be self-administered/self-billed by the employer, or will the insurance carrier be responsible for maintaining individual employee records and for generating monthly invoices?

State Response: The State will self-bill. Refer to Section IV, Item #3 of the RFP.

Question 45: How many enrollment meetings will the life insurer be expected to attend? At how many different locations will these meetings be held? How many employees will be at each location? During what time will these meetings held (i.e. October 12 - 14, etc.)?

State Response: Since Covid, the State has not hosted in-person Open Enrollment Meetings. If the State decides to host future Open Enrollment meetings or benefit education sessions, the carrier is expected to participate whether in-person or on-line.

Question 46: How is aging administered? Are employee ages frozen as of 1/1 of the plan year, or are ages updated throughout the year?

State Response: The State currently freezes the employee and spouse age as of 01/01 of the plan year for use in calculating the upcoming plan year’s payroll contributions. However, benefits are reduced by 50% during the plan year as employees and/or spouses turn age 70. Refer to the Certificate of Coverage.

Question 47: Please describe any established file transfers in place today.

State Response: File transfers are currently in place for Port/Conversion and EOI service purposes. Refer to the RFP.

Question 48: Please describe the State’s Evidence of Insurability process; including such things as submission, follow-up and notification.

State Response: See Response to Question 13.

Question 49: Please provide the details of the State’s current portability/conversion administration process.

State Response: The carrier is expected to provide services for Port/Conversion services and related recordkeeping requirements, as outlined Section V, Item 11 of the RFP.

Question 50: What’s the best way to communicate with employees during enrollment and throughout the year?

State Response: The State must approve all communications and channels and will discuss further with the carrier during the implementation process.

PURCHASING AGENT: C. RYAN FULLER

Email: NH.Purchasing@das.nh.gov

NOTE: ALL CHANGES TO BID SOLICITATION NOTED IN ADDENDUMS WILL SUPERSEDE

PREVIOUSLY SUBMITTED DOCUMENTS AND MUST BE SUBMITTED WITH THE BID. ALL OTHER

SPECIFICATIONS REMAIN UNCHANGED AND VALID.

RESPONDENT BUSINESS NAME: ______________________________________________________________

ADDRESS: __________________________________________________________________________________

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TEL. NO.____________________________ EMAIL ADDRESS: _______________________________________

Please visit: https://das.nh.gov/purchasing/vendorresources.aspx (click on “Bid and Proposals”) for complete bid and addendums.

mailto:NH.Purchasing@das.nh.gov https://das.nh.gov/purchasing/vendorresources.aspx