2011 Insurance Solicitation 17 May 2011.pdf

Solicitation No. SMO550-11-R-0007

LES Insurance Services

American Embassy, Rabat, Morocco

U.S. Embassy Rabat, Morocco

May 17, 2011

SUBJECT: Solicitation Number SMO550-11-R-0007

Dear Prospective Offeror:

The Embassy of the United States of America invites you to submit a proposal for customized insurance services for the American Embassy and its agencies in Rabat and the Consulate

General in Casablanca.

The Embassy intends to conduct a pre-proposal conference, and all prospective offerors who have received a solicitation package will be invited to attend. See Section L of the attached

Request for Proposals (RFP).

Your proposal must be submitted in a sealed envelope marked "Proposal Enclosed" to the

Contracting Officer, J. Dennis Robertson, 2 Avenue Mohamed Al Fassi, Rabat, Morocco on or before 16:00 local time, June 17, 2011. No proposal will be accepted after this time.

In order for a proposal to be considered, you must also complete and submit the following:

1. SF-33

2. Section B, pricing schedule

3. Section B, Retention Amounts in B.3 and B.7

4. Section K, Representations and Certifications

5. Additional information as required in Section L.

Direct any questions regarding this solicitation to Zakia Askari by letter or by telephone at 212-

05-37-76-22-65-8143 or by e-mail at Askarizx@state.gov during regular business hours.

Please note: proposals that contain more benefits (even if there is no increase in cost) or fewer benefits than those stated in the solicitation may be deemed technically unacceptable.

mailto:Askarizx@state.gov

-2-

The U.S. Government intends to award a contract to the responsible company submitting an acceptable offer at the lowest price. We intend to award a contract based on initial proposals, without holding discussions, although we may hold discussions with companies in the competitive range if there is a need to do so.

Sincerely, //JDR/17 May 2011//

J. Dennis Robertson

Contracting Officer

SF-33 Solicitation, Offer and Award (See attached)

SECTION B –

PART I PRICE - HEALTH INSURANCE

B.1 HEALTH INSURANCE SERVICES

The Contractor shall provide the Health Insurance services to employees of the Government of the United States of America in Embassy Rabat, US Consulate General Casablanca, as well as other current and future agencies connected to the Embassy and as determined by the

Contracting Officer as described in Section C and the Exhibits in Section J. The groups of employees who shall be provided this insurance are listed in C.1.3 (medical) and C.2.3 (life, disability& work accident). This insurance shall be provided in accordance with Section C and the Exhibits in Section J.

B.1.1 Official Residence Expense (ORE) Staff are included under this contract only as a rider; the Contractor shall bill the Chief of Mission, Deputy Chief of Mission, and the American

Consulate General separately for ORE staff, at the rates specified below. See Section G for billing procedures.

B.1.2 Retirees from US Government service and their eligible family members are included under this contract only as a rider. They will pay their full premiums at the rates specified below.

See Section G for billing procedures.

Eligible Family Members (EFMs) of deceased employees are included under this contract only as a rider. They will pay their full premiums at the rates specified below. See Section G for

B.1.3. Tangier American Legation Museum (TALMs) are included under this contract only as a rider. The contractor shall bill the TALMS Director separately for TALMS staff, at the rates specified below. See Section G for billing procedures.

B.2 PRICES

This is a fixed price with economic price adjustment requirements type contract under which will be issued firm, fixed-price task orders. The fixed prices/premium rates (in local currency) for the health insurance services as specified in Section C and Exhibit A are as follows:

B.2.1 BASE YEAR OF CONTRACT:

Bi-Weekly Rates per Employee:

Category Estimated

Number of

Employees

Rate per

Employee

Total

Single

Employees (Self only)

Family Plan

SUBTOTAL

Total Price for Base Year (Subtotal x 26): _______

B.2.2 FIRST OPTION YEAR OF THE CONTRACT:

Employees

Total Price for Option Year One (Subtotal x 26): _______

B.2.3 SECOND OPTION YEAR OF THE CONTRACT:

Employees

Total Price for Option Year Two (Subtotal x 26): _______

B.2.4 THIRD OPTION YEAR OF THE CONTRACT:

Employees

Total Price for Option Year Three (Subtotal x 26): _______

B.2.5 FOURTH OPTION YEAR OF THE CONTRACT:

Employees

Total Price for Option Year Four: _______________

GRAND TOTAL BASE PERIOD PLUS OPTION YEARS: ____________________

B.3 ADMINISTRATIVE RETENTION AMOUNTS

B.3.1 If the Contractor requests a price adjustment under B.4 below, the Contractor must present cost experience data that includes the retention amount. For purposes of any economic price adjustment, this retention amount is a fixed amount that is a part of the premium amounts in B.2. This retention amount will not be adjusted for any reason.

The retention amount is part of the premium and may include, but not be limited to, such costs as overhead and general and administrative costs. It will also include any profit. Essentially, it includes all costs except the actual portion of the premium intended to fund claims paid to the health care provider/claimant.

B.3.2 sets forth the retention amounts per premium paid for each category of premium and for each period of performance.

NOTE TO OFFEROR - Fill in the fixed retention amounts for each period of performance and for each category of premium. This fixed amount must be expressed in the currency in which the premium amount is proposed. The fixed retention amount shall NOT be expressed in terms of a percentage of the premium.

B.3.2 Retention Amounts per separate premium paid per single employee and per family plan.

Period of

Performance

Single Employees (Self

Only)

Family Plan

Base Period

Option Year 1

Option Year 2

Option Year 3

Option Year 4

B.4 ECONOMIC PRICE ADJUSTMENT-HEALTH INSURANCE PREMIUMS

B.4.1 Premium Adjustment based on Experience - For health insurance, prices may be adjusted upward or downward based on the experience rating of the Mission(s) covered by this contract. No adjustment will be allowed during the first twelve (12) months. After such time, the contractor or the Government may request an adjustment in premiums on an annual basis.

Before any such adjustment is made, the Contractor agrees to provide the Government a balance sheet showing two (2) main components for the time period: (1) receipts (premiums received) minus the retention amount and (2) claims paid. The retention amount is not subject to adjustment. The Government reserves the right to have an independent third party review the balance sheet and make recommendations regarding the appropriateness of the requested adjustment. Any adjustment shall be subject to mutual agreement of the parties and shall result in a written modification to the contract. Any failure to reach agreement under this clause shall be subject to the procedures in the Disputes clause.

B.4.2 Premium Adjustment Based on Laws - The rates may also be adjusted during the performance period of the contract as a result of laws enacted by the host Government, if such change in the laws has a direct impact on the cost to the contractor to perform this contract at the contracted rate. In that event, the Contracting Officer may enter into negotiations with the

Contractor to modify the contract to adjust the premium rate. The contractor agrees to provide all documentation necessary to support any requested adjustment.

B.4.2.1 Employee Pool – This clause is only in effect if the contractor included details in its offer regarding a pooling arrangement, of which this contract is a part.

Before any adjustment is made under this price adjustment clause, the Contractor must include in its proposal for adjustment, details setting forth how the pool impacts the request for equitable adjustment.

SECTION B –

PART II: PRICE – GROUP LIFE INSURANCE

B.5 GROUP LIFE INSURANCE SERVICES

The Contractor shall provide the Group Life Insurance services described herein to employees of the Government of the United States of America in Embassy Rabat, US Consulate General

Casablanca, as well as other current and future agencies connected to the Embassy and as determined by the Contracting Officer. The groups of employees who shall be provided this insurance are listed in C.2.3. This insurance shall be provided in accordance with Section C and the Exhibits in Section J.

B.5.1 Official Residence Expense (ORE) Staff are included under this contract only as a rider; the contractor shall bill the Chief of Mission, Deputy Chief of Mission, and the American

Consulate General separately for ORE staff, at the rates specified below. See Section J for

B.5.2 Embassy Community Association (ECA) Employees are included under the work accident portion of this contract only as a rider; the contractor shall bill the Embassy Community

Association separately, at the rates specified below.

B.6 GROUP LIFE INSURANCE RATES

This is a fixed-price with economic price adjustment requirements type contract under which the

Government will issue firm-fixed price task orders. The fixed prices/premium rates in Dirham per one thousand of salary to provide basic life insurance, disability insurance and work accident insurance are as follows:

B.6.1 BASE YEAR OF CONTRACT

Type of Insurance Premium

(per 1,000) of salary

Estimated

Payroll

(biweekly, in thousands)

Total

Basic Life Insurance* DH 1,796.09

Disability Insurance ** DH 2,128.70

Work Accident Insurance** DH 2,128.70

* From basic salary only

** From total salary excluding meal and transportation

Total Price for Base Year: __________x 26 = _____________

B.6.2. FIRST OPTION YEAR OF CONTRACT:

of salary

Estimated Payroll

(biweekly, in thousands)

Total

Basic Life Insurance* DH 1,796.09

Disability Insurance ** DH 2,128.70

Work Accident Insurance** DH 2,128.70

Total Price for Option Year One: __________x 26 = _____________

B.6.3. SECOND OPTION YEAR OF CONTRACT:

of salary

Estimated Payroll

(biweekly, in thousands)

Total

Basic Life Insurance * DH 1,796.09

Disability Insurance ** DH 2,128.70

Work Accident Insurance** DH 2,128.70

Total Price for Option Year Two: __________x 26 = _____________

B.6.4. THIRD OPTION YEAR OF CONTRACT:

of salary

Estimated Payroll

(biweekly, in thousands)

Total

Basic Life Insurance * DH 1,796.09

Disability Insurance ** DH 2,128.70

Work Accident Insurance** DH 2,128.70

Total Price for Option Year Three: __________x 26 = _____________

B.6.5. FOURTH OPTION YEAR OF CONTRACT:

of salary

Estimated Payroll

(biweekly, in thousands)

Total

Basic Life Insurance * DH 1,796.09

Disability Insurance ** DH 2,128.70

Work Accident Insurance** DH 2,128.70

Total Price for Option Year Four: __________x 26 = _____________

GRAND TOTAL PRICE FOR ALL YEARS: _________________________

B.7 ADMINISTRATIVE RETENTION AMOUNTS

B.7.1 If the Contractor requests a price adjustment under B.8 below, the Contractor must present cost experience data that includes the retention amount. For purposes of any economic price adjustment, this retention amount is a fixed amount that is a part of the premium amounts in B.6.

This retention amount will not be adjusted for any reason.

The retention amount is part of the premium and may include, but not be limited to, such costs as overhead and general and administrative costs. It will also include any profit. Essentially, it includes all costs except the actual portion of the premium intended to fund claims paid to the claimant.

B.7.2 sets forth the retention amounts per premium paid for each category of premium and for each period of performance.

NOTE TO OFFEROR - Fill in the fixed retention amounts for each period of performance and for each category of premium.

B.7.2. Retention Amounts per separate premium paid per employee

Period of

Performance

Basic Life

Insurance

Disability

Insurance

Work Accident

Insurance

Base Period

Option Year 1

Option Year 2

Option Year 3

Option Year 4

B.8 ECONOMIC PRICE ADJUSTMENT-LIFE INSURANCE PREMIUMS

B.8.1 Premium Adjustment Based on Experience - For life insurance, prices may be adjusted upward or downward based on the experience rating of the Mission(s) covered by this contract.

No adjustment will be allowed during the first twelve months. After such time, the Contractor or the Government may request an adjustment in premiums on an annual basis. Before any such adjustment is made, the Contractor agrees to provide the Government a balance sheet showing two (2) main components for the time period: (1) receipts (premiums received) minus the retention amount and (2) claims paid. The retention amount is not subject to adjustment. The

Government reserves the right to select an independent third party to review the balance sheet and make recommendations regarding the appropriateness of the requested adjustment. Any adjustment shall be subject to mutual agreement of the parties and shall result in a written modification to the contract. Any failure to reach agreement under this clause shall be subject to the procedures in the Disputes clause.

B.8.2 Premium Adjustment Based on Law - The rates may also be adjusted during the performance period of the contract as a result of laws enacted by the host Government, if such change in the laws has a direct impact on the cost to the contractor to perform this contract at the rate contracted for herein. In that event, the Contracting Officer may enter into negotiations with the Contractor to modify the contract to adjust the premium rate. The contractor agrees to provide all documentation necessary to support any requested adjustment.

SECTION C –

DESCRIPTION/SPECIFICATION/WORK STATEMENT

Part I - HEALTH INSURANCE SERVICES

C.1. HEALTH INSURANCE SERVICES

The Government of the United States of America requires Health Insurance coverage for its employees as further described in C.1.2 in the Embassy Rabat, US Consulate General

Casablanca, as well as other current and future agencies connected to the Embassy and as determined by the Contracting Officer. The Government has determined that the prevailing practice by employers in Morocco is to provide for their employees health insurance protection and that the cost of such insurance protection is usually borne by both the employee (20%) and the employer (80%). Health insurance protection will be representative of locally prevailing compensation practice as further described in C.1.2. The specific health benefit coverage under this contract is set forth in Section C and the Exhibits in Section J.

The contractor shall insure that health care under this contract does not exclude HIV/AIDS care, unless exclusion has been authorized by HR/OE/CMD.

C.1.1 Employee and Dependent Health Services Benefits

The health benefits under this contract are as follows. Reimbursement of covered expenses is limited to the stated percentages of reasonable and customary costs. Proposals that contain more benefits (even if there is no increase in cost) or fewer benefits than stated in the solicitation may be deemed technically unacceptable.

Reimbursements or payments shall be made for the following covered benefits, subject to reasonable and customary costs in the locality where treatment was provided.

Dependent Employee

C.1.1.1. Hospitalization: 90% 90%

Reimbursement per family per fiscal year of room and board expenses for a ward room.

Reimbursement of hospital medical expenses including laboratory tests and x-rays, nursing care, operating room costs, intensive care, doctor’s fees, surgical fees, and prescription medicines.

C.1.1.2. Professional Services and Treatment: 80% 80%

Reimbursement of doctor’s, and surgeons, fees incurred

While hospitalized at a hospital on an out patient basis, at a clinic or doctor’s office, or at home.

Reimbursement for medical services and expenses when not hospitalized such as laboratory tests and x-rays, physical therapy, routine annual physical examinations, inoculations, and prescription medicines.

C.1.1.3. Prescription drugs and medicines

- Reimbursement when hospitalized 90% 90%

- Reimbursement when not hospitalized, of the cost of 80% 80% medicines and drugs for which a prescription is legally required. Expenses incurred for medicines, vitamins, cold remedies, etc., that are available over the counter without prescription will not be reimbursed even if prescribed by a physician.

C.1.1.4 HIV/AIDS Coverage (for the employee only) 100%

Reimbursement for medications to suppress opportunistic infections, such as tuberculosis and toxoplasmosis for employees who have HIV/AIDS, as well as brief courses for anti-retroviral drugs during the childbirth to prevent the transmission of HIV to the employee’s child. This expanded coverage generally excludes medications for the long-term suppression of AIDS through the combination of anti-retroviral drugs at those posts with inadequate local healthcare infrastructures.

A separate maximum of USD 10,000 limit applicable to the employee only will be included for the HIV/AIDS medications expanded coverage.

C.1.1.5. Maternity Care:

Reimbursement while hospitalized per family per fiscal year 80% 80%

Reimbursement when not hospitalized, for obstetrical 80% 80% medical care to include the following: normal delivery, caesarean delivery, pre-natal care, post-natal care, and miscarriage.

C.1.1.6. Optical Care: 80% 80%

Reimbursement for one eye examination and treatment and one prescription eyeglass frames or contact lenses per family member, every two (2) years limited two lenses. Reimbursement will be limited to glasses or contact lenses per individual (not both)

Reimbursement for eye glass frames up to a maximum of 500 DH per year.

No reimbursement for nonprescription lenses, or tinting.

C.1.1.7. Dental Care: 80% 80%

Reimbursement for dental services including dentists’ fees, x-rays, examination and treatment, cleaning, filing, extractions, false teeth, crowns and bridges. Orthodontia treatment up to age 16.

C.1.1.8. Psychiatric Treatment: 80% 80%

C.1.1.9. Medical Expenses Incurred out of Country:

Medical expenses incurred out of country will be covered for employees and dependents when (a) a life threatening condition occurs when the individual is out of the country and treatment is medically necessary before the individual returns home or (b) the individual’s attending physician certifies in advance that such treatment is medically necessary and unavailable locally. Reimbursement will be made at the same percentage rate and subject to the same annual maximum limit as for expenses incurred in country.

Transportation for Out of Country Medical Treatment is Not authorized.

C.1.1.10. Medical Supplies: The contractor shall provide medical supplies which includes, but not limited to:

- Hearing aids (hearing aid apparatus and related examination): 80% 80%

Limited to one apparatus per year per patient in a three-year period

- Blood stripes (for diabetes)

- Chair for disabled (Wheel chair)

- Syringes

- Orthopedic apparatus (Shoes, built up soles, medical belts, neck brace, etc..)

Prosthesis: Reimbursement up to 4,500 DH of the cost of prosthesis.

C.1.1.11. The maximum annual reimbursement per patient per contract year not including

HIV/AIDS Coverage is DH 246,838.00.

C.1.2. Health Benefits Conditions and Limitations.

There is no reimbursement for elective cosmetic surgery; spa cures; rejuvenation cures; massage;

exercise therapy; long-term rehabilitative therapy; television; home help, family help, or similar household assistance; fees of persons who are not licensed physicians or nurses; or services or supplies which have not been prescribed or approved by a physician or nurse.

There is no reimbursement for expenses that will be reimbursed or paid directly under a host country medical program or workers’ compensation program; the U.S. workers’ compensation program; or post’s LE Staff workers’ compensation program.

There is no reimbursement for expenses related to an illness or injury that is a result of an unlawful action on the part of the patient; the practice of a dangerous sport; excessive or illegal use of alcohol or drugs; a self-inflicted wound; or services in the armed forces of any country.

No reimbursement will be made for expenses incurred after an employee leaves the service of the U.S., Mission.

C.1.3. Eligible Participants

C.1.3.1. Eligible Employees

The employees eligible for the health insurance services include the following:

C.1.3.1.1. All current active employees of the United States Government, employed within the geographic boundaries of Morocco paid under the Local Compensation Plan, and certified by the

Contracting Officer. Covered employees include:

C.1.3.1.2. Locally Employed Staff who are (1) working on a full time or part time basis under non-temporary direct hire appointments or under personal services agreements/contracts that are not time limited to less than one year and (2) paid under the terms of the Local Compensation

Plan. Participation will be voluntary.

C.1.3.1.3. Locally hired U.S. citizens employed under direct hire appointments, PSAs, and

PSCs.

C.1.3.2. Location of Employment

The individuals covered by C.1.3.1 must be employed within the geographic boundaries of

Morocco by:

U.S. Department of State, U.S. Agency for International Development, U.S. Consulate General, U.S. Office of Security Cooperation, U.S. Defense Attache’s Office, U.S. Department of Commerce FAS, U.S. Peace Corps

U.S. Department of Agriculture

U.S. Force Protection Detachment

U.S. Department of Justice

U.S. Department of Homeland Security

Other US government entities who may establish a presence during the term of this contract

C.1.3.3 . Participants Covered Under a Rider

C.1.3.3.1. All current active employees of the Chief of Mission, the Deputy Chief of Mission, and the American Consulate General assigned to their respective official Government residences and paid under an ORE account (see separate rider, Exhibit D) and Recreation Association employee (ECA). The employing office of ORE staff and the Recreation Association, not the

USG, are responsible for the employer’s share of the premium costs for these employees.

C.1.3.3.2. Retirees from US Government service and their eligible family members are included under this contract only as a rider. The costs of each retiree are the responsibility of that retiree, not the U.S. Government

Eligible family members (EFMs) of deceased employees are included under this contract only as a rider. The costs of each EFM are the responsibility of that EFM, not the U.S. Government

C.1.3.3.3. Tangier American Legation Museum (TALMS) are included under this contract only as a rider. All costs of TALMs employees are the responsibility of TALMs, not the U.S.

Government.

C.1.4. Individuals Not Eligible for Coverage

Individuals not eligible for coverage under this contract are those working under temporary appointments; those working under a PSA or PSC that is time limited to less than one year;

nonpersonal services contract personnel and their employees, supplied by an independent contractor licensed to do business in Morocco who provide services to other local organizations as well as to the U.S. Mission; employees of USAID institutional contractors; and Peace Corps personal services contractors as indicated in MS 743.

C.1.5. Other Eligible Participants

Covered dependents include the participating employee’s spouse (limit one) and children. An eligible child is defined as the employee’s natural child, adopted child, stepchild, or foster child.

The child must be unmarried, economically dependent upon the employee, and reside with the employee unless away at school. An eligible child will be covered until the end of the contract year in which he/she reaches age 21, or age 25 if a full time student. There is no age limit for a child who is physically or mentally handicapped so as to be unable to live independently. There is no limit on the number of children covered per employee. Parents, grandparents, siblings, and other relatives are not eligible dependents.

Expenses incurred by an employee’s eligible dependents are covered under this plan if the employee is regularly scheduled to work more than 30 hours per week.

Expenses incurred by an employee’s eligible dependents are not covered under this plan if the employee is regularly scheduled to work less than 30 hours per week.

C.1.6. Eligibility

C.1.6.1. Term of Eligibility and Effective Date

Each current active eligible employee is enrolled for health benefits under this contract upon award and thereafter during the performance period of this contract. Each new eligible employee will be enrolled upon entering on duty with the United States Government. An employee is considered active ("on the rolls") whenever such employee is on approved leave, whether paid or unpaid.

C.1.6.2. Period of Ineligibility.

Employees and their dependents are not entitled to health benefits during any period of employment for which premiums are not paid.

Additionally, employee's dependents are not entitled to health benefits during any period of employment during which the employee was not eligible to participate.

During a period of Leave Without Pay or unpaid leave that is one pay period or less, coverage under the insurance contract will continue. The USG will pay the total premium cost to the contractor. The employee’s share of the premium will be collected through payroll deduction in that or the subsequent pay period.

During a period of extended (beyond one pay period) of Leave Without Pay or unpaid leave, the employee is responsible for the full cost of the insurance premiums for self and dependents. The

Mission will pay the premiums directly to the contractor, and will collect the full cost from the employee on a quarterly basis. Alternatively, the employee may elect to have coverage cease if that employee prefers not to pay the premium.

C.1.7. BROCHURE REQUIREMENT.

C.1.7.1. The contractor shall provide a document (brochure/pamphlet/other written document) in French (with an English language translation for contract files) and Arabic that sets forth a complete listing of the health insurance benefits to be provided under this contract. This brochure shall be provided in sufficient quantities so that each covered employee receives a copy. The contractor shall furnish all copies of the brochures to the COR, who will ensure that appropriate distribution is made.

C.1.7.2. The contractor shall provide the document described in C.1.7.1 to the COR not later than 30 days after date of contract award. The Contractor shall provide additional brochures for new employees within ten (10) days of the COR’s request.

C.1.7.3. The contractor assumes full responsibility for ensuring that the document described in

C.1.7.1 accurately reflects the requirements of the contract, as implemented by the contractor’s technical proposal. In all cases, the contract shall take precedence. Should the COR discover that the brochure contains inaccuracies, the contractor will be notified in writing; however, failure on the part of the Government to notice any inaccuracies shall in no way limit, revise or otherwise affect the requirement under this contract for the contractor to fully comply with all contract terms.

SECTION C –

DESCRIPTION/SPECIFICATION/WORK STATEMENT

Part II - GROUP LIFE INSURANCE

C.2.0 GROUP LIFE INSURANCE

The Government of the United States of America requires Group Life Insurance coverage for its employees, as further described in C.2.1.1. in the Embassy Rabat, US Consulate General

Casablanca, as well as other current and future agencies connected to the Embassy such as determined by the Contracting Officer. The Government has determined that the prevailing practice by employers in Morocco is that group life insurance coverage is representative of locally prevailing compensation practice and that a cost of such insurance protection is usually borne by both the employee (15%) and the employer (85%); disability insurance is usually borne by the employee (25%) and the employer (75%); work accident insurance is borne entirely by the employer. Therefore, the Government desires to adopt such locally prevailing practice as part of its compensation plan for its employees as further described in C.2.1.1. The specific group insurance coverage under this contract is set forth in this part of Section C and the

Attachments in Section J.

C.2.1. Group Life Insurance Coverage.

The amount of group life insurance coverage is as follows:

C.2.1.1. Amount of Employee Basic Life Insurance.

The amount of life insurance coverage for each employee is based upon the basic salary of the individual. Each employee is eligible for a face amount of coverage that is equal to a number of months times his or her last reported basic salary as described below:

Married employee’s base payment 130% of annual base salary

Additional per child 30% of annual base salary

Maximum benefit 310% of annual base salary

Single employee’s base payment 100% of annual base salary

Additional per child 30% of annual base salary

Maximum benefit 280% of annual base salary

C.2.1.2. ―Reserved‖

C.2.1.3. Amount of coverage - Disability Insurance:

Non-Work Related Injuries and Illnesses:

The contractor shall pay daily indemnities in the amount of 50 percent of total salary, excluding meal & transportation, from the 31 st day of accident/injury until recovery or for a maximum of 1 year (365 calendar days), whichever is first.

In addition, the employee will receive 66.7 percent of salary to a maximum of DH 6,000.00 per month beginning the 1st up to the 365 th day of illness/injury from the Moroccan social security

(CNSS).

After the 1 year maximum has been reached and the employee still has not recovered, the benefit from the private insurance company will be reduced to 40 percent of salary until retirement age.

C.2.1.4 Amount of Coverage – Work Accident Insurance:

Work Related Injuries and Illnesses:

The contractor shall pay daily indemnities in the amount of 2/3 of the employee’s daily total salary, excluding meal & transportation, from the 2nd day of the accident for all injuries which occur during work hours and during the commute on a direct route to and from work, until recovery. The Contractor shall provide the insurance-issued guarantee of payment within 24 hours of the work related injury notification and will pay the full amount of the clinic/hospital fees.

In case of a permanent disability, the annual annuity is equal to the annual income multiplied by the rate of incapacity.

C.2.2. Life Insurance Benefits Conditions and Limitations.

There is no reimbursement for death occurring as a result of suicide, of an unlawful action on the part of the patient; the practice of a dangerous sport; excessive or illegal use of alcohol or drugs;

a self-inflicted wound; or services in the armed forces of any country.

C.2.3. Eligible Participants.

C.2.3.1. Eligible Employees. The employees eligible for the group life insurance coverage include the following:

C.2.3.1.1. All current active employees of the United States Government, employed within the geographic boundaries of Morocco, paid under the Local Compensation Plan, and certified by the Contracting Officer. Covered employees include:

C.2.3.1.2. Foreign Service Nationals (FSNs) employed under direct hire appointments, Personal

Services Agreements (PSAs) and Personal Services Contracts (PSCs);

C.2.3.1.3. Locally hired U.S. citizens employed under direct hire appointments, PSAs, and

PSCs.

C.2.3.2. Location of Employment

C.2.3.2. The individuals covered by C.3.2.1 must be employed within the geographic boundaries of Morocco by:

U.S. Department of State, U.S. Agency for International Development, U.S. Consulate General, U.S. Office of Security Cooperation, U.S. Defense Attache’s Office, U.S. Department of Commerce, U.S. Peace Corps, U.S. Department of Agriculture, U.S. Force Protection Detachment

U.S. Department of Justice

U.S. Department of Homeland Security

Other US government entities who may establish a presence during the term of this contract

C.2.3.3. Participants Covered Under a Rider

C.2.3.3.1. All current active employees of the Chief of Mission, the Deputy Chief of Mission, and the American Consulate General assigned to their respective official Government residences and paid under an ORE account (see separate rider, Exhibit B). All costs for ORE employees are the responsibility of the employing officer, not the U.S. Government.

C.2.3.3.2. All current active employees of the Embassy Community Association (ECA). All costs for ECA employees are the responsibilities of the ECA, not the U.S. Government.

C.2.4. Individuals Not Eligible for Coverage

C.2.4.1. New employees who have reached the age of 60 prior to entering on duty with the U.S.

Government will not be eligible for life insurance coverage.

C.2.4.2. Individuals not eligible for coverage under this contract are nonpersonal services contract personnel; Peace Corps Personal Services Contractors as required by MS 743;

employees working on a temporary basis; employees with an intermittent, seasonal, or WAE

(when actually employed) schedule; and any other individual not falling within one of the categories of employees described in this clause.

C.2.5. Other Eligible Participants

NONE

C.2.6. Eligibility and Effective Date

C.2.6.1. Term of Eligibility and Effective Date

Each current active eligible employee is enrolled for life insurance and disability benefits under this contract upon award and thereafter during the performance period of this contract. Each new eligible employee will be enrolled upon entering on duty with the United States Government.

An employee is considered active ("on the rolls") whenever such employee is on approved leave, whether paid or unpaid.

C.2.6.2. Period of Ineligibility

Employees are not entitled to life for life insurance and disability benefits hereunder during any period of employment for which premiums are not paid.

During a period of Leave Without Pay or unpaid leave that is one pay period or less, coverage under the insurance contract will continue. The USG will pay the total premium cost to the contractor. The employee’s share of the premium will be collected through payroll deduction in that or the subsequent pay period.

During a period of extended (beyond one pay period) of Leave Without Pay or unpaid leave, the employee is responsible for the full cost of the insurance premiums. The Mission will pay the premiums directly to the contractor, and will collect the full cost from the employee on a quarterly basis. Alternatively, the employee may elect to have coverage cease if that employee prefers not to pay the premium.

C.2.7. BROCHURE REQUIREMENT.

C. 2.7.1. The contractor shall provide a document (brochure/pamphlet/other written document) in French (with an English language translation for contract files) and Arabic that sets forth a complete listing of the Life insurance benefits to be provided under this contract. This brochure shall be provided in sufficient quantities so that each covered employee receives a copy. The contractor shall furnish all copies of the brochures to the COR, who will ensure that appropriate distribution is made.

C.2.7.2. The contractor shall provide the document described in C.2.7.1 to the COR not later than 30 days after date of contract award. The Contractor shall provide additional brochures for new employees within ten (10) days of the COR’s request.

C.2.7.3. The contractor assumes full responsibility for ensuring that the document described in

C.2.7.1. accurately reflects the requirements of the contract, as implemented by the contractor’s technical proposal. In all cases, the contract shall take precedence. Should the COR discover that the brochure contains inaccuracies, the contractor will be notified in writing; however, failure on the part of the Government to notice any inaccuracies shall in no way limit, revise or otherwise affect the requirement under this contract for the contractor to fully comply with all contract terms.

C.3.0 DEFINITIONS

FMO The Financial Management Officer or the paying office for all U.S. Government

Agencies except AID.

COR Contracting Officer's Representative (Human Resources Officer at post).

Contributory Insurance for which the employee contributes toward the premium.

Dependent Employee’s spouse and unmarried dependent children up to age 21 (25 if full time students and 100% dependent on employee).

Disability, Total and Permanent A physical or mental impairment which precludes the individual from performing ordinary motor or bodily functions and which requires separation from employment. If the impairment is the result of a previous impairment, it shall be considered a continuation of the prior impairment.

Employee An individual employed by the U.S. Government, under a direct-hire appointment, personal services contract, or personal services agreement, as further defined in Section C.1.3 for health insurance and C.2.3 for life insurance. This may also include an ORE Staff

Employer The United States Government.

GSO General Services Officer in charge of the General Services Office at post. This officer is usually the Contracting Officer for this contract.

Hospital An institution established and operated for the care and treatment of sick and injured persons. It provides 24-hour nursing care and has diagnostic, laboratory, treatment, and surgical facilities. Any institution which does not meet this definition is not considered a hospital.

Hospital Patient An individual who has been admitted to a hospital, is assigned a bed, and is given diagnostic tests or receives treatment for a disease or an injury.

Maximum Benefit The total amount that will be paid to any one covered individual for covered medical expenses or life insurance/disability benefit.

Customary and Reasonable Treatment A diagnostic test or medical treatment which is usually performed in the community where the individual is being treated.

Physician An individual who has graduated from an accredited medical school and is licensed to practice medicine in the jurisdiction in which the contract is to be performed. If the individual is a medical specialist, then he or she is Board

Certified in that specialty.

Surgical procedure Any invasive medical procedure by manual or instrument operation undertaken for diagnosis or treatment of a diseased patient.

C.4. Work Requirement

The contractor shall provide a qualified work force capable of providing the services specified in the Contract. Personnel must be available in Casablanca, Rabat and Tangier to assist with claims submissions. Specifically, a contact person must be designated in each city. These people are considered essential personnel and their names should be included in the Contractor’s offer along with an address and phone number for each office in each city. These people will be required to be on the premises of the US Embassy Rabat, USAID Rabat, the US Consulate General

Casablanca for 11/2 hours one day each week and at the Tangier American Legation Museum

(TALMs) in Tangier for 2 hours a day every two weeks. The time and day will be determined upon contract award.

―KEY PERSONNEL.

1. The Contractor shall assign the following key personnel to this contract:

Position/Function Name

2. During the first 90 days of performance, the Contractor shall make no substitutions of key personnel unless the substitution is required due to illness, death, or termination of employment.

The Contractor shall notify the Contracting Officer within 15 calendar days after the occurrence of any of these events and provide the information required below to the Contracting Officer at least 15 days before making any permanent substitutions.

3. The Contractor shall provide a detailed explanation of the circumstances requiring the proposed substitution, a complete resume for the proposed substitute, and any additional information requested by the Contracting Officer. The proposed substitute shall possess qualifications comparable to the original key person and meet the minimum standards set forth in the contract. The Contracting Officer will notify the Contractor of its approval or disapproval of the substitution within 15 calendar days after receiving the required information. The

Government will modify the contract to reflect any changes in key personnel.‖

SECTION D

PACKAGING AND MARKING

(RESERVED)

SECTION E

INSPECTION AND ACCEPTANCE

E.1. 52.252-2 CLAUSES INCORPORATED BY REFERENCE (FEB 1998)

This contract incorporates the following clauses by reference, with the same force and effect as if they were given in full text. Upon request, the Contracting Officer will make their full text available. Also, the full text of a clause may be accessed electronically at this address:

http://acqusition.gov/far/index.html or, http://farsite.hill.af.mil/search.htm

These addresses are subject to change. If the Federal Acquisition Regulation (FAR) is not available at the locations indicated above, use the Dept. of State Acquisition Website at http://www.statebuy.state.gov to see the links to the FAR. You may also use a network ―search engine‖ (e.g., Yahoo, Excite, Alta Vista, etc.) to obtain the latest location of the most current

FAR.

FEDERAL ACQUISITION REGULATION (48 CFR CH. 1)

52.246-4 Inspection of Services - Fixed Price (AUG 1996)

E.2. QUALITY ASSURANCE AND SURVEILLANCE PLAN (QASP)

This plan is designed to provide an effective surveillance method to promote effective contractor performance. The QASP provides a method for the Contracting Officer's Representative (COR) to monitor contractor performance, advise the contractor of unsatisfactory performance, and notify the Contracting Officer of continued unsatisfactory performance. The contractor, not the

Government, is responsible for management and quality control to meet the terms of the contract.

The role of the Government is to conduct quality assurance to ensure that contract standards are achieved.

Performance Objective PWS Para Performance Threshold

Services.

Performs all the insurance services set forth in the performance work statement (PWS)

C.1.0 thru

C.3.0

All required services are performed and no more than ten

(10) customer complaint are received per month

E.2.1. Surveillance. The COR will receive and document all complaints from Government personnel regarding the services provided. If appropriate, the COR will send the complaints to the Contractor for corrective action.

E.2.2. Standard. The performance standard is that the Government receives no more than ten http://www.statebuy.state.gov/

(10) customer complaint per month. The COR shall notify the Contracting Officer of the complaints so that the Contracting Officer may take appropriate action to enforce the inspection clause (FAR 52.246-4, Inspection of Services – Fixed Price (AUG 1996) or the appropriate

Inspection of Services clause), if any of the services exceed the standard.

E.2.3. Procedures

(a) If any Government personnel observe unacceptable services, either incomplete work or required services not being performed, they should immediately contact the COR.

(b) The COR will complete appropriate documentation to record the complaint.

(c) If the COR determines the complaint is invalid, the COR will advise the complainant.

The COR will retain the annotated copy of the written complaint for his/her files.

(d) If the COR determines the complaint is valid, the COR will inform the Contractor and give the Contractor additional time to correct the defect, if additional time is available. The COR shall determine how much time is reasonable.

(e) The COR shall, as a minimum, orally notify the Contractor of any valid complaints.

(f) If the Contractor disagrees with the complaint and challenges the validity of the complaint, the Contractor will notify the COR. The COR will review the matter to determine the validity of the complaint.

(g) The COR will consider complaints as resolved unless notified otherwise by the complainant.

(h) Repeat customer complaints are not permitted for any services. If a repeat customer complaint is received for the same deficiency during the service period, the COR will contact the

Contracting Officer for appropriate action under the Inspection clause.

SECTION F

DELIVERIES OR PERFORMANCE

F.1. 52.252-2 CLAUSES INCORPORATED BY REFERENCE (FEB 1998)

http://www.statebuy.state.gov to see the links to the FAR. You may also use a network ―search

52.242-15 Stop Work Order (AUG 1989)

52.242-17 Government Delay of Work (APR 1984)

F.2. PERIOD OF PERFORMANCE. The performance period of this contract is one year beginning 30 days after contract award with four, one-year options to renew.

F.3. OPTIONS

(a) The Government may extend this contract in accordance with the option clause at

Section I, clause I.2, FAR Clauses Incorporated by Full Text (FAR 52.217-9, Option to

Extend the Term of the Contract), which also specifies the total potential duration of the contract.

(b) The Government may exercise the option set forth at Section I, "FAR 52.217-8, Option to Extend Services".

F.4. REPORTS AND OTHER DELIVERABLES

All reports and other deliverables required under this contract shall be delivered to the following address:

Human Resources Office

American Embassy

2, Ave. Mohammed El Fassi (Ave. de Marrakech)

Rabat, Morocco

SECTION G

CONTRACT ADMINISTRATION DATA

G.1. 652.242-70 CONTRACTING OFFICER’S REPRESENTATIVE (COR) (AUG

1999)

(a) The Contracting Officer may designate in writing one Government employee, by name or position title, to take action for the Contracting Officer under this contract. This designee shall be identified as a Contracting Officer’s Representative (COR). Such designation shall specify the scope and limitations of the authority so delegated; provided, that the designee shall not change the terms or conditions of the contract, unless the COR is a warranted

Contracting Officer and this authority is delegated in the designation.

(b) The COR for this contract is the Human Resources Officer.

G.2. COR DUTIES

G.2.1. The COR is responsible for inspection and acceptance of services. These duties include review of Contractor invoices, including the supporting documentation required by the contract.

The COR may provide technical advice, substantive guidance, inspections, invoice approval, and other purposes as deemed necessary under the contract.

G.2.2. In addition, the COR shall maintain updated list of employees and dependents insured, which will supersede the initial list provided under this contract and as reported to the insurer and if the contractor is a Broker, without prejudice to the ineligibility clause.

G.2.3. The COR has the additional responsibility of maintaining the eligible listing of employees and dependents for insurance coverage.

G.2.4. The COR may not change the terms and conditions of the contract. While the COR is authorized to provide the Contractor with updated listings of eligible employees and dependents, only the Contracting Officer may modify existing task orders or issue new task orders, reflecting these changes, since only the Contracting Officer can obligate funding and commit the

Government.

G.3. Payment shall be made in local currency - Moroccan Dirham.

G.4. SUBMISSION OF INVOICES AND PAYMENT

G.4.1. Invoices shall be submitted in an original and three (3) copies to the following address

(designated billing office only for the purpose of submitting invoices):

Financial Management Office, U.S. Embassy Rabat, 2, Ave. Mohammed El Fassi, Rabat

G.4.2. Frequency of Payments. All funds under this contract will be obligated by issuance of task orders, as described in H.3. Each task order will fund a specific period of time and number of employees, and the task orders will be issued at the frequency described in H.3. Contractor may submit invoices quarterly for payment to be made at the beginning of the month for which insurance coverage is provided in accordance with FAR 32.404.

G.4.3. U.S. Government Employees. The Government shall make payments directly to the contractor for all Government employees, whether or not the employee is contributing to the premium amount.

G.4.4. ORE Staff. The Chief of Mission, Deputy Chief of Mission, and/or the American

Consulate General will make payment directly to the contractor for the entire premium amount of the ORE staff, whether or not the ORE employee is contributing to the premium amount.

G.4.5. Embassy Community Association. The Embassy Community Association (ECA) will make payment directly to the contractor for the entire premium amount of the ECA staff, whether or not the ECA employee is contributing to the premium amount.

G.4.6. Retirees. Retirees will pay directly the contractor on a quarterly basis at the beginning of the month upon being billed by the contractor.

Eligible family members (EFM) of deceased employees will pay directly the contractor on a quarterly basis at the beginning of the month upon being billed by the contractor.

G.4.7. Tangier American Legation Museum (TALMS) will pay directly the contractor on a quarterly basis at the beginning of the month upon being billed by the contractor.

G.5. REFUNDS TO THE GOVERNMENT

If at any time during performance of the contract the Government finds that the contractor has been overpaid because the number of employees and/or dependents covered has decreased, the

Contracting Officer may either allow that overpayment to be credited to the Government’s account or require that the contractor refund the overpayment. If the Contracting Officer requests a refund, the contractor shall make that refund to the Government within ten calendar days of receipt of the request.

G.6. The contractor shall show Value Added Tax (VAT) as a separate item on invoices submitted for payment.

SECTION H

SPECIAL CONTRACT REQUIREMENTS

H.1. SECURITY. On occasion, a Contractor employee may require entry into U.S.

Government-owned or -operated facilities. If so, the Contractor should be prepared to provide the necessary identification to permit escorted access within that facility.

H.2. STANDARDS OF CONDUCT. The Contractor shall maintain satisfactory standards of employee competency, conduct, cleanliness, appearance, and integrity and shall be responsible for taking such disciplinary action with respect to employees…