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 appendix document presents guaranteed monthly premium rates for short-term disability (STD) and long-term disability (LTD) insurance for the State of Tennessee's central state government and state higher education employees under RFP #31786-00186. The document outlines two STD options with 60% benefit replacement: Option A with a 14-day elimination period at $0.41 per member per $100 of covered monthly salary, and Option B with a 30-day elimination period at $0.33 per member per $100 of covered monthly salary. These rates are guaranteed across multiple calendar years from 2022 through 2026, with consistent pricing maintained throughout the period. The document also references LTD coverage options for central state government employees only, including employer-paid premiums structured by age bands, though the complete LTD rate table is not fully displayed in this excerpt.

The premium structure reflects 100% employee-paid premiums for the voluntary STD program, while separate employer-paid premium rates apply to the mandatory LTD-N coverage. The guaranteed rates demonstrate pricing stability across the five-year period, providing cost predictability for budgeting purposes. These rates serve as the baseline pricing for evaluating contractor proposals in the competitive procurement process, with the contract anticipated to begin January 1, 2027, and cover approximately 10,000+ eligible employees across the state's central government and higher education agencies.

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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 .