UnitedHealthCare BAFO cost.pdf
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- Solicitation number
- 120084 O5
- Issued by
- Lancaster County, Nebraska
About this file
This document is a UnitedHealthCare renewal proposal for Short Term Disability (STD) and Long Term Disability (LTD) insurance for the State of Nebraska, effective July 1, 2025, with Policy Number 00306147. The proposal covers all active full-time, regular part-time, and temporary employees with assignments of 6 months or longer, with specific minimum hours requirements for different employee categories. The insurance provides 60% income replacement, with STD offering first-day accident and eighth-day illness coverage for up to 26 weeks, and LTD featuring a 6-month elimination period. The initial contract term runs from July 1, 2025, through June 30, 2027, with potential optional renewals.
The renewal proposal includes age-banded rates per $10 of weekly benefit for STD and per $100 of monthly covered payroll for LTD, with rates varying by age groups. The current enrollment includes 3,116 employees with a total insurance volume of $2,131,919. The current participation is 18%, with a minimum participation requirement of 25%, and employee contributions will be post-tax. There are no broker commissions, and the rate guarantee is 36 months. A one-time exception has been approved for an open enrollment on 7/1/25, allowing currently uninsured employees to elect coverage without proof of good health. The proposal notes that rates may change at the next renewal in accordance with policy terms and reserves the right to adjust rates if the number of lives or insurance volume changes by more than 10%.
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Text version
SHORT TERM DISABILITY INSURANCE,
1ST DAY ACCIDENT, 8TH DAY ILLNESS
Estimated # of Employees
Initial Period Year One
Initial Period Year Two
Optional Renewal
One
Optional Renewal
Two*
Optional Renewal Three*
Rate per $10 of Weekly Benefit**
Under 25 202 0.250$ 0.250$ 0.250$ 0.260$ 0.270$
25-29 330 0.260$ 0.260$ 0.260$ 0.270$ 0.281$
30-34 358 0.270$ 0.270$ 0.270$ 0.281$ 0.292$
35-39 361 0.240$ 0.240$ 0.240$ 0.250$ 0.260$
40-44 433 0.230$ 0.230$ 0.230$ 0.239$ 0.249$
45-49 362 0.250$ 0.250$ 0.250$ 0.260$ 0.270$
50-54 412 0.270$ 0.270$ 0.270$ 0.281$ 0.292$
55-59 357 0.320$ 0.320$ 0.320$ 0.333$ 0.346$
60-64 249 0.400$ 0.400$ 0.400$ 0.416$ 0.433$
65 & Over 86 0.490$ 0.490$ 0.490$ 0.510$ 0.530$
LONG TERM DISABILITY INSURANCE,
6 MONTH ELIMINATION PERIOD
Estimated # of Employees
Initial Period Year One
Initial Period Year Two
Optional Renewal
One
Optional Renewal
Two*
Optional Renewal Three*
Rate per $100 of Monthly Covered Payroll**
Under 25 221 0.045$ 0.045$ 0.045$ 0.047$ 0.049$
25-29 478 0.072$ 0.072$ 0.072$ 0.075$ 0.078$
30-34 551 0.108$ 0.108$ 0.108$ 0.112$ 0.117$
35-39 627 0.126$ 0.126$ 0.126$ 0.131$ 0.136$
40-44 749 0.153$ 0.153$ 0.153$ 0.159$ 0.165$
45-49 669 0.216$ 0.216$ 0.216$ 0.225$ 0.234$
50-54 749 0.324$ 0.324$ 0.324$ 0.337$ 0.350$
55-59 747 0.387$ 0.387$ 0.387$ 0.402$ 0.419$
60-64 715 0.405$ 0.405$ 0.405$ 0.421$ 0.438$
65-69 248 0.423$ 0.423$ 0.423$ 0.440$ 0.458$
70 & Over 43 0.450$ 0.450$ 0.450$ 0.468$ 0.487$
* The rates for Renewal Two and Renewal Three will not exceed the age-banded rates in the above table
Bidders shall fill in proposed premium amounts for each column provided below.
COST PROPOSAL
RFP 120084 O5 BAFO
STD AND LTD INSURANCE PLAN OPTIONS
Bidder Name: __UnitedHealthCare_____________________________________________________________
Prices submitted on the cost sheet, once accepted by the State, shall remain fixed for the first two (2) years of the contract. Any request for a price increase subsequent to the first two (2) years of the contract shall not exceed four percent (4 %) of the price proposed for the period.
Increases shall not be cumulative and will only apply to that period of the contract. The request for a price increase must be submitted in writing to the State Purchasing Bureau a minimum of 120 days prior to the end of the current contract period. Documentation may be required by the State to support the price increase.
Each monthly premium amount proposed should be evenly divisible by "2" with no rounding to accommodate two even deductions per month through our payroll system. Any premium amount not divisible by “2” will be reduced to the nearest lower amount that is divisible by “2” for scoring. By submitting this proposal, Bidder accepts this lower amount if a contract is awarded.
This is the rate an employee will pay for 60% of basic gross monthly pay.
Renewal for
State of Nebraska
Issued on: January 16, 2025
Legal Entity
Eligibility
Minimum Hours Requirement
Benefit Qualification
Definition of Disability
Elimination Period-Accident
Elimination Period-Sickness
Benefits Begin
First Day Hospital
Recurrent Disability
Coverage Type
Maternity
Volume Basis
Benefits Payable
Benefit Type
Benefit Percentage
Maximum Weekly Benefit
Minimum Weekly Benefit
Social Security Integration
Maximum Benefit Duration
Limitations and Exclusions
Pre-existing Conditions Exclusion
Evidence of Insurability
Annual Enrollment Period
General Exclusions
Additional Benefits
Lump Sum Survivor Benefit
Rehabilitation Services
Telephonic Claim Intake
Employer FICA Match
For all eligible military firefighters hired prior to 7/1/15 = 50 hours per week
For all eligible military firefighters hired on or after 7/1/15 =
53 hours per week
For all eligble employees, excluding military firefighters =
20 hours per week
Not Included - See Assumptions for one-time exception
UnitedHealthcare STD Renewal for State of Nebraska
Effective Date: 07/01/2025 | Policy Number: 00306147
Short Term Disability Insurance
Basic Annual Earnings Definition
Class 1
Custom
Core
Primary
United Healthcare Insurance Company
Total Covered Benefit
All Active Full Time Employees, Regular Part Time
Employees, and Temporary Employees with Assignments of 6 months or Longer.
The average weekly earnings received from the Covered
Person’s Employer for the three-month period ending just prior to the date of Disability. Pre-Disability Weekly
Earnings do not include commissions, bonuses, overtime pay, and other extra compensation.
Residual
0 days
Benefits begin the day after completion of the Elimination
Period or the exhaustion of any available sick or donated leave – whichever is later
7 days
Excluded
14 days
Non-Occupational
Treated like any other illness
26 weeks
Employees who have an Extended Illness Leave Bank are required to use this bank first, but in no event will the total amount of extended illness leave, plus Short Term
Disability, exceed 26 weeks
None
Required for late entrants
Benefit Percent
60.0%
$1,731
$25
Family
Included
Included
Not Included
Standard
Lesser of $3,000 or 3 weeks Gross
0000801-03 - 1/16/2025
Assumed Enrollment and Rates
Number of Employees
Volume of Insurance
Rate Basis
Current
Monthly Rate $0.774
$0.762
$0.774
$0.643
$0.690
$0.681
$0.777
$0.951
$1.199
$1.378
Monthly Premium TBD
Annual Premium TBD
Employer Contribution
Current Participation
Minimum Participation Requirement
Employee Contribution Tax Basis
Broker Commissions
Rate Guarantee
$2,131,919
Age-banded per $10 of Total Covered Weekly Benefit
Renewal
Under 25 $0.250
25 - 29 $0.260
30 - 34 $0.270
35 - 39 $0.240
40 - 44 $0.230
45 - 49 $0.250
65+ $0.490
TBD
50 - 54 $0.270
55 - 59 $0.320
60 - 64 $0.400
36 Months
TBD
0%
18%
25%
Post-Tax
None
0000801-03 - 1/16/2025
General Assumptions
STD Assumptions
- Rates assume standard administrative services including Claims & Data processing, Enrollment & Billing, Customer Service, Case Management, Provider Relations, and Reporting
UnitedHealthcare Assumptions for State of Nebraska
Effective Date: 07/01/2025 | Policy Number: 00306147
- We reserve the right to change rates and/or plan provisions if the number of lives or volume of insurance change by more than
10% before, on, or after the effective date listed above or if factors used to generate this quote such as group demographics or effective date are changed, found to be incomplete or incorrect.
- Rates assume no changes in legislation or regulation that affects the benefits payable, eligibility or contract.
- Assumed contract situs is Nebraska.
- This quote is based on our current filed and approved policies and rates. Please be advised, if awarded the business, the benefits and/or rates in this proposal may need to be altered specific to any insured employee who resides in the State of New
Mexico as required by changes to New Mexico law (13.10.34, et al).
- Employees must be U.S. citizens or residents regularly working and living in the U.S. Coverage for U.S. citizens working outside of the U.S. must be approved in writing by us. Approval depends on locale and length of assignment.
- Employers assumed primary business is classified as 9111 SIC Code.
- Rates may change at the next renewal in accordance with the terms of the policy.
A one-time exception for an Open Enrollment for the Voluntary STD has been approved for 7/1/25.
An Employees who is not currently insured may elect coverage with no proof of good health.
Notes
1. The enrollment should be completed, and the final census submitted by 7/31/25
2. The actively at work requirement will apply.
Our contract is for non-occupational coverage only and does not replace statutory mandated coverage..
The Policy will not cover a disability if it is due to: intentionally self-inflicted injuries, commission or attempted commission of a felony, participation in a riot, war, act of war of armed conflict between organized military forces or while the covered person is incarcerated or under house arrest.
The above exclusion is intended for illustrative purposes only. State specific exclusions and language may apply. Please refer to your Certificate of Coverage for detailed information.
- Policy Form UHI-DI-POL-NE 2023
Premium is calculated using Total Covered Weekly Benefit.
In the event of a disability, the claimant must remain a permanent resident of the United States and must be continuously under the care of a Physician as defined in our policy.
Our quote assumes the employer participates in Social Security and provides Workers Compensation for all eligible employees.
Benefit may be subject to Other Income Benefit Offsets outlined in policy.
File details come from the government source that posted it. Updated .