Exhibit_D_LifeVolADDSuppLifeRFP_25-02BenMatrix-MUSTCOMPLETE.xlsx
XLSX spreadsheet 151 KB Posted
- Attached to
- RFP 25-02 Life Insurance Benefit Plans
- Solicitation number
- 0000036099
- Issued by
- San Bernardino County, California
About this file
This is an Excel spreadsheet (Exhibit_D_LifeVolADDSuppLifeRFP_25-02BenMatrix-MUSTCOMPLETE.xlsx) for the Superior Court of California, County of San Bernardino, detailing a Request for Proposal (RFP #22-03) for life, voluntary accidental death and dismemberment (AD&D), and supplemental life insurance benefits. The RFP covers multiple employee classes including exempt groups, supervisory personnel, court commissioners, support services, official court reporters, professionals, interpreters, and contract employees, with varying basic life insurance amounts ranging from $35,000 to $75,000 depending on the employee classification.
The document provides a comprehensive benefits matrix comparing the current carrier (Securian) with a proposed carrier, outlining detailed provisions for basic life, voluntary AD&D, and dependent life insurance. Key provisions include guarantee issue amounts, age reduction schedules, accelerated death benefits, waiver of premium, conversion options, and portability. The supplemental life insurance component allows employees to purchase additional coverage in $10,000 increments up to $700,000, with evidence of insurability required for amounts over $250,000. Additional features include beneficiary financial counseling, legacy planning services, legal services, and travel assistance. The RFP indicates full open enrollment each year with no evidence of insurability required for amounts under $250,000.
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| Superior Court of California, County of San Bernardino |
| Life Vol ADD Supp L VGUL Dep L RFP #20-03 |
| Important note to bidding carriers: In addition to completing the Court's RFP documents, you must also complete the following tabs of this workbook and provide the supporting benefit summaries with each plan. |
Basic Life Class Structure
| Superior Court of California, County of San Bernardino | |||
| Basic Life Class Structure | |||
| Eligible Class # | Eligible Class Name | Insurance Amount: Job Share (Bi-weekly) | Insurance Amount: Full-Time |
(Regular position budgeted for 40 hours or more per bi-weekly pay period)
| 1 | Exempt Groups A & B | N/A | $75,000 | ||
| 2 | Supervisory | N/A | $50,000 | Class | Coverage |
| 3 | Superior Court Commissioner and Court Exec. Officer | N/A | $75,000 | Classes 1 & 3 | $75,000 |
| 4 | Support Services | N/A | $35,000 | Classes 2, & 9 | $50,000 |
| 5 | Exempt Groups C & D | N/A | $60,000 | Classes 4, 8, & 10 | $35,000 |
| 8 | Official Court Reporter | N/A | $35,000 | Class 5 | $60,000 |
| 9 | Professional | N/A | $50,000 | Class 11 | Contract Specific |
| 10 | Interpreters | N/A | $35,000 | ||
| 11 | Contract Employees | Contract Specific | Contract Specific |
| Grandfathered Optional Life Insurance | ||
| Elected Superior Court Judges (Appointed or elected prior to 11/04/1994) who were covered for grandfathered optional optional life coverage on July 31, 2009 under a prior policy. | N/A | $50,000 |
Basic Life Vol ADD Dep Life
| Superior Court of California, County of San Bernardino |
| Basic Life Benefit RFP Matrix: RFP #22-03 |
| Life Benefit Provisions | Current | |
| Securian | Proposed |
Carrier
| (Use drop down menu) | Note Details of Deviation | |||
| Benefit Amount | ||||
| Guarantee | ||||
| Issue | Full Benefit Amount | Will match | ||
| Age Reduction | None | Enhance | ||
| Accelerated Death Benefit | 100% of covered amount, $10,000 minimum; 12 month life expectancy | Takeaway | ||
| Waiver of Premium | Yes, totally disabled for 6 months; |
to attainment of SSNRA
| Conversion | Yes |
| Continuation | Yes, subject to employer's normal employment practices, not beyond the later of 12 months, or attainment of age 65; |
up to 12 months during non-medical leave or temporary layoff
| Portability | Included | |
| Additional | ||
| Features | N/A | |
| This is merely a summary of benefits for comparison purposes. Please refer to the carrier's proposal for details. | ||
| Voluntary AD&D Matrix | ||
| Voluntary AD&D Benefits | ||
| Provisions | Current | |
| Securian | Proposed |
Carrier
| (Use drop down menu) | Note Details of Deviation | |
| Amount of Insurance | ||
| Loss of Life; Both hands or both feet; sight of both eyes; speech and hearing; one hand and one foot; one foot and sight of one eye; one hand and sight of one eye; quadriplegia | 100% of Principal Sum | |
| Loss of one hand or one foot; | ||
| sight of one eye; speech or hearing; hemiplegia | 50% of Principal Sum | |
| Thumb and index finger of one hand | 25% of Principal Sum | |
| Adaptive Home and Vehicle Benefit | Lesser of 5% of coverage amount or $5,000, or actual alteration expense | |
| Spouse/Domestic Partner Training Benefit | Lesser of 5% of coverage amount or $5,000, or actual costs incurred for education or training w/in the first 2 yrs following date of death | |
| Dependent Child Education Benefit | If child is enrolled as a FT student at an accredited post-secondary educational institution (benefit not pd for current school year) or enrolls FT w/in 1 year of death; Lesser of 5% of coverage amount or $5,000, or actual tuition charged, excluding room and board expenses | |
| Child Care Benefit | If dependent child is under age 7; Lesser of 12% of coverage amount; $5,000, |
or actual incurred child care expenses (benefit per child per year) Repatriation of Remains (preparation and transportation of remains to mortuary) Lesser of 5% of coverage or $5,000 but no more than the actual cost of expenses (at least 75 miles away from principal residence) Seatbelt & Airbag Benefit (not payable if driver is intoxicated, impaired, or under the influence of alcohol or drugs) Lesser of $10,000 or 10% of benefit payable due to the death or dismemerment (not including any other additional benefits) (benefit is double if seatbelt and airbag are present)
| Portability | Included - not available if attained age 70 or not actively at work due to sickness or injury on the date immediately preceeding your portability date or lose eligiblity due to contact termination. | |
| Waiver of Premium | Yes, totally disabled continuously for 6 months, continues to age 65 if disabled prior to age 60, or 5 years after onset of total disability if disabled after age 60; or date you recover; or date you fail to furnish satisfactory proof of continued total disability when requested or refuse to submit to required medical exam; or date contract terminates. | |
| Additional Features | Coma Benefit - 1% of coverage or 1% of difference between covered amount and amount of benefits already paid per loss schedule; Exposure, Disappearance | |
| This is merely a summary of benefits for comparison purposes. Please refer to the carrier's proposal for details. | ||
| Dependent Life (Spouse and Child(ren) Matrix | ||
| Dependent Life (Spouse / Child(ren) Benefits | ||
| Provisions | Current | |
| Securian | Proposed |
Carrier
| (Use drop down menu) | Note Details of Deviation | |
| Eligibility | Lawful Spouse or registered domestic partner who is not legally separated who are not employees of the Court and under age 70. |
Child: natual children and step children, legally adopted children and foster children to age 26 or if over 26 then must be physically or mentally incapable of self-support prior to age 26 and financially dependent upon you for more than half of their support and maintenance. Stillborn and unborn children are not eligible for benefit. Child can only be covered by one parent if both are employees of the Court. If the child is a Court employee then not eligible for child life.
Amount of Insurance Spouse Child (to age 26) Spouse: $10,000 increments to $200,000 Child: $5,000 increments to $20,000 (coverage for $5,000 from birth to 31 days. Employee must elect coverage within those 31 days; otherwise coverage will terminate at the end of 31 days) Amount not to exceed employee's combined basic and supp life amounts.
Guarantee Issue Spouse: $20,000 (if elected w/in 31 days initial eligibility) Child: $20,000 All amounts guaranteed if elected within 31 days of initial eligibility, during annual enrollment period, or at the time of a qualified status change.
Age Reduction Schedule 65% @ Age 70 45% of pre age 70 benefit @ Age 75 30% of pre age 70 benefit @ Age 80 Reduction applies FOMF spouse's bday
| Child Education Benefit | Lesser of 5% of coverage amount or $5,000, or incurred expenses |
| Child Care Benefit | Lesser of 12% of coverage amount or $5,000, |
or incurred child care expenses (benefit per child per year) Repatriation of Remains Lesser of 5% of coverage or $5,000 (must be within 75 miles of residence)
| Conversion | Included | ||||
| Portability | Available only if employee ports coverage. | ||||
| Minimum Participation Requirement | None | ||||
| This is merely a summary of benefits for comparison purposes. Please refer to the carrier's proposal for details. | |||||
| Plan | EE | Spouse/DP | Child | ||
| 1 | $10,000 | $5,000 | $3,125 | ||
| 2 | $25,000 | $12,500 | $6,250 | ||
| 3 | $50,000 | $25,000 | $12,500 | ||
| 4 | $100,000 | $50,000 | $25,000 | ||
| 5 | $150,000 | $75,000 | $25,000 | ||
| 6 | $200,000 | $100,000 | $25,000 | ||
| 7 | $250,000 | $125,000 | $25,000 | ||
| 8 | $350,000 | $175,000 | $25,000 | ||
| 9 | $500,000 | $250,000 | $25,000 |
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Supp Life
| Superior Court of California, County of San Bernardino | |
| Supplemental Life RFP Matrix: RFP #22-03 | |
| Supplemental Life Benefit | |
| Provisions | Current |
| Securian | Proposed |
Carrier
| (Use drop down menu) | Note Details of Deviation | |
| Employee Benefit Amount | Increments of $10,000 to a maximum of $700,000 |
(only employees whose MOU, Exempt comp. plan, salary ordinance or contract states they are eligible may participate)
| Grandfathered Optional Life - Superior Court Judges appointed prior to 11/4/1994 are grandfathered for $50,000 | Will match | |||
| Proposing Carrier will Grandfather Current Elections (Yes or No) | N/A | Enhance | ||
| Guarantee Issue Amount | $250,000 | Takeaway | ||
| Evidence of Insurability | EOI required for amounts over $250,000. Changes may be made at open enrollment or with qualifying event with no EOI for amounts below $250K; includes 1st time enrollees | |||
| Full Open Enrollment Each Year | ||||
| (No EOI required for amounts under $250,000 GI) | Changes may be made at open enrollment or with qualifying event with no EOI for amounts below $250K; includes 1st time enrollees | |||
| Age Reduction | ||||
| (Applies to Spouse and Child) | 65% @ Age 70 |
45% of pre age 70 benefit @ Age 75 30% of pre age 70 benefit @ Age 80 (rounded to next higher multiple of $10,000)
| Accelerated Death Benefit | 100% of covered amount, $10,000 minimum; assumes life expectancy of 12 months or less |
| Waiver of Premium | Yes, totally disabled for 6 months; |
must be under age 65, terminates at Normal Social Security Retirement Age (SSNRA)
| Conversion | Included |
| Continuation | Yes, due to illness for 12 months; |
up to 12 months during non-medical leave or temporary layoff
| Portability | Included |
| Additional Features | Beneficiary Financial Counseling, Legacy Planning Services, Legal Services, Travel Assistance |
| This is merely a summary of benefits for comparison purposes. Please refer to the carrier's proposal for details. |
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