Attachment 5A - Claim Run 1.1.2022 through 3.31.2026.xlsx

This is a claim experience report for group disability and life insurance coverage provided by Standard Insurance Company to the Palm Beach County Board of County Commissioners for the period January 1, 2022, through March 31, 2026. The report details claim activity across multiple insurance products including Term Life (AL and BL products), Dependent Excess (XS), Accidental Death & Dismemberment (AD&D), Short-Term Disability (STD), and Long-Term Disability (LTD) coverage. The document presents individual claim records organized by product type and coverage category, with claim numbers, claimant demographics, dates of incidence, approval and termination, and benefit payment information. The report encompasses hundreds of claims processed during the specified contract period, documenting the utilization and cost experience of the group insurance program.

The aggregate benefit payments across all products total $3,915,232.65, with Short-Term Disability representing the largest claim volume at $1,404,513.21 in paid benefits, followed by Long-Term Disability at $1,145,719.44. Term Life insurance claims account for $1,025,000.00, while Dependent Excess coverage contributed $225,000.00 and Accidental Death & Dismemberment benefits totaled $115,000.00. The report identifies pending claims with outstanding reserves and distinguishes between paid claims and those still open as of the report date. This confidential and proprietary claims data is restricted to authorized Standard Insurance Company personnel and Palm Beach County Board personnel with legitimate business purposes for review, and redistribution is prohibited without written authorization from the insurance carrier.