Appendix_7.15_RFP%2031786-00186_MetLife%20September%202025.xlsx

This file is a pass-through payments appendix for the State of Tennessee's RFP #31786-00186 for short-term disability (STD) and long-term disability (LTD) insurance services, showing Metropolitan Life Insurance Company's current enrollment and premium data for September 2025. The document provides detailed enrollment counts and premium amounts across multiple disability plan options segmented by employee age bands (0-29, 30-34, 35-39, 40-44, 45-49, 50-54, 55-59, 60-64, 65-69, and 70+). The LTD coverage is broken into four plans with various employer and employee paid options, while STD coverage is divided between Higher Education plans (Plan A and Plan B) and State plans (Plan A and Plan B). The procurement timeline establishes a pre-response conference on September 10, 2025, written questions deadline of September 17, 2025, and proposal response deadline of November 21, 2025, with contract negotiations scheduled for January 12-14, 2026. The contract term spans 70 months total, beginning with 10 months of implementation from March through December 2026 and 60 months of benefit delivery from January 1, 2027, through December 31, 2031.

The file indicates current total enrollment of 87,448 employees across all disability plans, with LTD coverage representing 73,653 employees generating $1,216,818.47 in aggregate premiums, and STD coverage representing 13,795 employees generating $266,799.58 in aggregate premiums, for a combined total of $1,483,618.05 in pass-through payments for September 2025. Metropolitan Life Insurance Company is the incumbent contractor, with the current contract expiring December 31, 2026. The state will structure compensation through per-member monthly premiums for both STD (100% employee-paid) and LTD coverage (100% employer-paid), with automatic coverage transfer and guaranteed issue provisions for all current members upon contract transition on January 1, 2027. The RFP emphasizes technical qualifications (40 points), general qualifications and experience (10 points), and cost proposals (50 points), requiring respondents to demonstrate six years of disability insurance administration experience with at least five employer accounts, including one account with 10,000+ members, and a current Tennessee Certificate of Authority for group disability benefits.