Appendix_7_16_RFP_31786-00186_STD_and_LTD_Premium_Rates.pdf

1 MB Posted

Attached to
Short-Term Disability And Long-Term Disability Insurance - UPDATED
Solicitation number
RFP 31786-00186
Issued by
Davidson County, Tennessee

About this file

Written by GovTribe AI ·

This document contains premium rate tables for Short-Term Disability (STD) and Long-Term Disability (LTD) programs offered to Central State Government employees and Higher Education employees with employee pay-all premium structures. The file presents guaranteed monthly premium rates across multiple calendar years (2018-2026) organized by plan option, elimination period, and age band classifications.

The STD program offers two primary options: Option A with 60% benefit replacement and a 14-day elimination period, and Option B with 60% benefit replacement and a 30-day elimination period. Premiums for both options remain consistent across all years presented at $1.34 per member per $100 of covered monthly salary for Option A and $1.08 per member per $100 of covered monthly salary for Option B. The LTD program provides four options varying by benefit replacement percentage (60% or 63%) and elimination periods (90, 180 days). LTD premiums are structured with age-band rating, with rates increasing progressively through age groups 35-39 through 60-64, then decreasing for ages 65-69 and 70+. For example, LTD Option 1 (60%, 90-day elimination) for Central State Government employees shows rates ranging from $0.12 per $100 of covered monthly salary for ages under 30 to $0.84 for ages 60-64 during calendar year 2022. Rates remain stable through 2023, with significant reductions in 2024-2026 for combined Central State Government and State Higher Education employee pools, reflecting approximately 50% rate decreases. All premiums are expressed per member per $100 of member's covered monthly salary.

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Guaranteed Monthly Premium Rate for

EMPLOYEE PAY ALL

Premium (Central State Government and State Higher Education Employees)

Short Term Disability Program

Calendar Year 2022 Calendar Year 2023 Calendar Year 2024 Calendar Year 2025 Calendar Year 2026

1/1/2022 – 12/31/2022

1/1/2023 – 12/31/2023

1/1/2024 – 12/31/2024

1/1/2025 – 12/31/2025

1/1/2026 – 12/31/2026

Option A - 60%, 14 day elimination period

$0.41 $0.41 $0.41 $0.41 $0.41 per member per $100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary

Option B - 60%, 30 day elimination period

$0.33 $0.33 $0.33 $0.33 $0.33

$100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary per member per $100 of member’s Covered Monthly

Salary

Employer Paid:

LTD Central State Government Only Member Rates:

Long-Term Disability Program Guaranteed Premium Rate for EMPLOYEE PAY ALL Premium (Central State Government Employees)

Option 1 - 60%, 90 day elimination period, Age Band Premium Rate

Calendar Year

Calendar Year

1/1/2022 – 12/31/2022

1/1/2023 – 12/31/2023

Age

<30 $0.12 $0.12 per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary

30-34 $0.12 $0.12 member’s Covered

Monthly Salary per member per $100 of member’s

35-39 $0.23 $0.23 member’s Covered

Monthly Salary per member per $100 of member’s

40-44 $0.34 $0.34 member’s Covered

Monthly Salary per member per $100 of member’s

45-49 $0.43 $0.43 member’s Covered

Monthly Salary per member per $100 of member’s

50-54 $0.53 $0.53 member’s Covered

Monthly Salary per member per $100 of member’s

55-59 $0.63 $0.63 member’s Covered

Monthly Salary per member per $100 of member’s

60-64 $0.84 $0.84 member’s Covered

Monthly Salary per member per $100 of member’s

65-69 $0.56 $0.56 member’s Covered

Monthly Salary per member per $100 of member’s

70+ $0.56 $0.56 member’s Covered

Monthly Salary per member per $100 of member’s

EMPLOYEE PAY ALL Premium (Central State Government Employees)

Option 2 - 60%, 180 day elimination period, Age Band Premium Rate

Calendar Year

<30 $0.09 $0.09 member’s Covered

Monthly Salary per member per $100 of member’s

30-34 $0.09 $0.09 member’s Covered

Monthly Salary per member per $100 of member’s

35-39 $0.18 $0.18 member’s Covered

Monthly Salary per member per $100 of member’s

40-44 $0.27 $0.27 member’s Covered

Monthly Salary per member per $100 of member’s

45-49 $0.34 $0.34 member’s Covered

Monthly Salary per member per $100 of member’s

50-54 $0.42 $0.42 member’s Covered

Monthly Salary per member per $100 of member’s

55-59 $0.50 $0.50 member’s Covered

Monthly Salary per member per $100 of member’s

60-64 $0.66 $0.66 member’s Covered

Monthly Salary per member per $100 of member’s

65-69 $0.44 $0.44 member’s Covered

Monthly Salary per member per $100 of member’s

70+ $0.44 $0.44 member’s Covered

Monthly Salary per member per $100 of member’s

EMPLOYEE PAY ALL Premium

Option 3 - 63%, 90 day elimination period, Age Band Premium Rate

Calendar Year

(Central State Government Employees)

1/1/2022 – 12/31/2022

<30 $0.14 $0.14 member’s Covered

Monthly Salary per member per $100 of member’s

30-34 $0.14 $0.14 member’s Covered

Monthly Salary per member per $100 of member’s

35-39 $0.28 $0.28 member’s Covered

Monthly Salary per member per $100 of member’s

40-44 $0.42 $0.42 member’s Covered

Monthly Salary per member per $100 of member’s

45-49 $0.53 $0.53 member’s Covered

Monthly Salary per member per $100 of member’s

50-54 $0.65 $0.65 member’s Covered

Monthly Salary per member per $100 of member’s

55-59 $0.77 $0.77 member’s Covered

Monthly Salary per member per $100 of member’s

60-64 $1.03 $1.03 member’s Covered

Monthly Salary per member per $100 of member’s

65-69 $0.68 $0.68 member’s Covered

Monthly Salary per member per $100 of member’s

70+ $0.68 $0.68 member’s Covered

Monthly Salary per member per $100 of member’s

EMPLOYEE PAY ALL Premium (Central State Government Employees)

Option 4 - 63%, 180 day elimination period, Age Band Premium Rate

Calendar Year

<30 $0.11 $0.11 member’s Covered

Monthly Salary per member per $100 of member’s

30-34 $0.11 $0.11 member’s Covered

Monthly Salary per member per $100 of member’s

35-39 $0.23 $0.23 member’s Covered

Monthly Salary per member per $100 of member’s

40-44 $0.33 $0.33 member’s Covered

Monthly Salary per member per $100 of member’s

45-49 $0.42 $0.42 member’s Covered

Monthly Salary per member per $100 of member’s

50-54 $0.51 $0.51 member’s Covered

Monthly Salary per member per $100 of member’s

55-59 $0.61 $0.61 member’s Covered

Monthly Salary per member per $100 of member’s

60-64 $0.81 $0.81 member’s Covered

Monthly Salary per member per $100 of member’s

65-69 $0.54 $0.54 member’s Covered

Monthly Salary per member per $100 of member’s

70+ $0.54 $0.54 member’s Covered

Monthly Salary per member per $100 of member’s

LTD Central State Government and State Higher Education Member Rates:

Guaranteed Premium Rate for EMPLOYEE PAY ALL Premium (Central State Government Employees 2022-2026 and State Higher Education Employees 2023-2026)

Option 1 - 60%, 90 day elimination period, Age Band Premium Rate

Calendar Year

1/1/2024 – 12/31/2024

1/1/2025 – 12/31/2025

1/1/2026 – 12/31/2026

<30 $0.06 $0.06 $0.06

$100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

30-34 $0.06 $0.06 $0.06 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

35-39 $0.12 $0.12 $0.12 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

40-44 $0.17 $0.17 $0.17 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

45-49 $0.22 $0.22 $0.22 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

50-54 $0.27 $0.27 $0.27 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

55-59 $0.32 $0.32 $0.32 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

60-64 $0.42 $0.42 $0.42 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

65-69 $0.28 $0.28 $0.28 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

70+ $0.28 $0.28 $0.28 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s

EMPLOYEE PAY ALL Premium (Central State Government Employees 2022-2026 and State Higher Education Employees 2023- 2026)

Option 2 - 60%, 180 day elimination period, Age Band Premium Rate

Calendar Year

Calendar Year 2026

1/1/2025 – 12/31/2025

1/1/2026 – 12/31/2026

<30 $0.05 $0.05 $0.05 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

30-34 $0.05 $0.05 $0.05 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

35-39 $0.09 $0.09 $0.09 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

40-44 $0.14 $0.14 $0.14 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

45-49 $0.17 $0.17 $0.17 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

50-54 $0.21 $0.21 $0.21 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

55-59 $0.25 $0.25 $0.25 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

60-64 $0.33 $0.33 $0.33 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

65-69 $0.22 $0.22 $0.22 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

70+ $0.22 $0.22 $0.22 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s

EMPLOYEE PAY ALL Premium (Central State Government Employees 2022-2026 and State Higher Education Employees 2023- 2026)

Option 4 - 63%, 180 day elimination period, Age Band Premium Rate

Calendar Year

1/1/2025 – 12/31/2025

1/1/2026 – 12/31/2026

<30 $0.06 $0.06 $0.06 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

30-34 $0.06 $0.06 $0.06 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

35-39 $0.12 $0.12 $0.12 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

40-44 $0.17 $0.17 $0.17 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

45-49 $0.21 $0.21 $0.21 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

50-54 $0.26 $0.26 $0.26 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

55-59 $0.31 $0.31 $0.31 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

60-64 $0.41 $0.41 $0.41 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

65-69 $0.27 $0.27 $0.27 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s Covered

70+ $0.27 $0.27 $0.27 member’s Covered

Monthly Salary per member per $100 of member’s Covered

Monthly Salary per member per $100 of member’s

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