SLED Opportunity · COLORADO · ARAPAHOE COUNTY
AI Summary
Arapahoe County, Colorado seeks proposals for fully insured employer-paid and voluntary life, disability, accident, critical illness, and hospital indemnity insurance coverage. Electronic bid submission is required with a pre-bid conference recommended. The solicitation closes on April 16, 2026.
Arapahoe County is seeking proposals for fully insured Employer-paid basic Life and Accidental Death and Dismemberment (AD&D), Voluntary Life and AD&D, Employer-paid Short-Term Disability, Voluntary Long-Term Disability, Voluntary Accident, Voluntary Critical Illness, and Voluntary Hospital Indemnity coverage. **Solicitation Type**: RFP - Request for Proposal (Formal) **Source ID**: PU.AG.USA.1109.C17348576 **Piggyback Contract**: No **Question Acceptance Deadline**: 04/02/2026 02:00 PM EDT **Questions are submitted online**: Yes **Bid Submission Type**: Electronic Bid Submission **Solicitation Number**: 26-15 **Reference Number**: 0000417296 **Pricing**: Lump sum **Bid Documents List**: | Item Name | Description | Mandatory | Limited to 1 file | |---|---|---|---| | Bid Documents | Documents defining the proposal | No | No | **Pre-Bidding Events**: Event Type: Prebid Conference | Attendance: Recommended | Event date: 04/01/2026 12:00 PM EDT | Location: Microsoft Teams | Event Note: To attend the Pre-Solicitation meeting via Microsoft Teams, send the following via email to smorlan@arapahoegov.com: name, Company, Phone Number, Email Address **Questions and Answers**: - Q3 Arrow Right Question: Census File Missing Good Morning, I do not see a census file in the documents. Am I missing it or can it be uploaded please? Answer: Answered in Addendum 2 03/19/2026 10:27 AM EDT 04/07/2026 10:52 AM EDT - Q4 Arrow Right Question: Lincoln Financial -Census Would you be able to provide a census for your company? We will need this in order to provide you with a quote. The census will need to include the following: Gender, Date of Birth, Salary Information, Job Title, Zip Code, and Election information for the employee paid lines of coverage. Answer: Answered in Addendum 2 03/19/2026 12:08 PM EDT 04/07/2026 10:52 AM EDT - Q5 Arrow Right Question: Consultant/Broker Is there a broker or consultant tied to the bid? Answer: Answered in Addendum 2 03/23/2026 11:07 AM EDT 04/07/2026 10:52 AM EDT - Q6 Arrow Right Question: Underwriter Questions 1. Can work zip codes be added to the census for all employees? 2. Does the group participate in PERS, SSDI, or both? 3. Does the group participate in CO PFML? 4. What is the rate history? Answer: Answered in Addendum 2 03/25/2026 12:03 PM EDT 04/07/2026 10:52 AM EDT - Q7 Arrow Right Question: Medical Question Is the county Self-Funded on the medical? Answer: Answered in Addendum 2 03/25/2026 12:05 PM EDT 04/07/2026 10:52 AM EDT - Q8 Arrow Right Question: Is a Census Available? Hello, Is there a census available for this group? Answer: Answered in Addendum 2 03/30/2026 03:54 PM EDT 04/07/2026 10:52 AM EDT - Q9 Arrow Right Question: Proposal Qualifications Please advise: 1. If a Supplemental Health Proposal that is not bundled with Life and Disability coverages is desired? 2. Are heaped commissions required for Supp Health coverages to be selected? 3. Would commisison of Flat 20 or something similiar be cosidered for Supp Health coverage selection? Answer: Answered in Addendum 2 04/01/2026 02:25 PM EDT 04/07/2026 10:52 AM EDT - Q10 Arrow Right Question: Census information Is a census with work zip codes available? Answer: Answered in Addendum 2 04/01/2026 03:03 PM EDT 04/07/2026 10:52 AM EDT - Q11 Arrow Right Question: Plan changes Prior to 1/1/2024, the LTD plan was Employer paid and STD was Employee paid. Did the plan provisions remain the same 1/1/2024 when the STD changed to ER paid and the LTD changed to voluntary EE paid? Answer: Answered in Addendum 2 04/01/2026 03:04 PM EDT 04/07/2026 10:52 AM EDT - Q12 Arrow Right Question: Invoice and census Please provide clarification as to the 14% discrepancy in lives reported on the bill and experience for the Voluntary LTD and the enrolled census provided. Bill is reporting 794 covered lives; census has 905 enrolled. Answer: Answered in Addendum 2 04/01/2026 03:06 PM EDT 04/07/2026 10:52 AM EDT - Q13 Arrow Right Question: STD FICA Match Is FICA match included on the STD? If so, does The Standard bill Arapahoe County back for the FICA they pay or not? Answer: Answered in Addendum 2 04/01/2026 03:06 PM EDT 04/07/2026 10:52 AM EDT - Q14 Arrow Right Question: Life insurance covered lives There has been around a 30% increase in covered Lives on the Base Life over the past 5 years. Is this natural growth or has there been a change in eligibility? Answer: Answered in Addendum 2 04/01/2026 03:07 PM EDT 04/07/2026 10:52 AM EDT - Q15 Arrow Right Question: claims experience What is the valuation date for the Life insurance claims experience report covering 1/2018 to 1/2022? Answer: Answered in Addendum 2 04/01/2026 03:08 PM EDT 04/07/2026 10:52 AM EDT - Q16 Arrow Right Question: claims experience According to the Claim run report, there are only 2 open life insurance waiver of premium claims on the Base Life and 2 on the Voluntary Life. Please confirm if that is accurate, as there are least 8 open LTD claims that have been open longer than the Life Waiver of Premium Waiting Period, and the LTD only covers around 1/3 of the number of EE’s the Base Life covers. Answer: Answered in Addendum 2 04/01/2026 03:18 PM EDT 04/07/2026 10:52 AM EDT - Q17 Arrow Right Question: • Attachment A, HI Tab, Row 34 Attachment A, HI Tab, Row 34 refers to a $50 Wellness Benefit inforce on the Hospital Indemnity Plan; however, the HI certificates do not show this benefit. Please provide HI certificate amendment showing the HSB benefit or if not currently inforce, please confirm so and confirm if this new benefit should be included in the proposal. Answer: Answered in Addendum 2 04/01/2026 05:42 PM EDT 04/07/2026 10:52 AM EDT - Q18 Arrow Right Question: Supp Health Experience • Please provide Supp Health experience. Answer: Answered in Addendum 2 04/01/2026 05:42 PM EDT 04/07/2026 10:52 AM EDT - Q19 Arrow Right Question: Rate Guarantee • Please provide requested rate guarantee period: 3 years or 4 years? Answer: Answered in Addendum 2 04/01/2026 05:43 PM EDT 04/07/2026 10:52 AM EDT - Q20 Arrow Right Question: Census - Life and AD&D coverages The life insurance census includes an insured with annual earnings of $2,011,527. The next highest earnings listed on the census is $320,000. Is the $2,011,527 correct? If not, please provide the corrected figure. Answer: Answered in Addendum 2 04/02/2026 09:04 AM EDT 04/07/2026 10:52 AM EDT - Q21 Arrow Right Question: Census - Life and AD&D coverages The life insurance census shows an employee additional life total volume of $126,300,000 and total lives of 1,074. The "163355 Bill Lives by Contract and Benefit" document shows March 2026 ALIFE volume of $108,709,500 and lives of 922. Please clarify why there is a differential of nearly 16%. Which figures are correct? Answer: Answered in Addendum 2 04/02/2026 09:04 AM EDT 04/07/2026 10:52 AM EDT - Q22 Arrow Right Question: Experience and Rates - Life and AD&D coverages The document titled "163355 Bill Lives by Contract and Benefit" displays monthly volume and premium by coverage from 2018 to 2026. The "ALIFE" Benefit Plan monthly premium increased by over 40% for the month of 04/01/2023 ($17,965.17 in March 2023 vs $25,395.03 in April 2023. Volume increased by 19% and lives increased by 1% during this same timeframe. What was the reason for the 40% increase in premium? Was it due to a significant premium rate increase? Something else? Answer: Answered in Addendum 2 04/02/2026 09:05 AM EDT 04/07/2026 10:52 AM EDT - Q23 Arrow Right Question: Experience and Rates - Life and AD&D coverages Please also explain the reason for the 20% increase in ALIFE volume from March 2023 to April 2023. Answer: Answered in Addendum 2 04/02/2026 09:05 AM EDT 04/07/2026 10:52 AM EDT - Q24 Arrow Right Question: Experience and Rates - Life and AD&D coverages The "163355 Bill Lives by Contract and Benefit" document shows ALIFE lives and volume that increased by 17% in 12/01/2025 and then dropped by 14% on 01/01/2026. Most other months are consistent. Please explain the sharp increase followed by the sharp drop. Answer: Answered in Addendum 2 04/02/2026 09:06 AM EDT 04/07/2026 10:52 AM EDT - Q25 Arrow Right Question: Experience and Rates - Life and AD&D coverages The "163355 Bill Lives by Contract and Benefit" document shows monthly splits for SPLIFE, SPAD&D, D1AD&D, D2AD&D. There are no monthly figures for D1LIFE or D2LIFE. We are assuming the SP coverages are spouse life and spouse AD&D, while the D1AD&D and D2AD&D is child AD&D. Has child life been left out of the report or is child life included with another coverage? Please provide the child life figures. Answer: Answered in Addendum 2 04/02/2026 09:06 AM EDT 04/07/2026 10:52 AM EDT - Q26 Arrow Right Question: Experience and Rates - Life and AD&D coverages Please provide a premium rate history from 2018 to 2026 for each line of Life and AD&D coverage. Answer: Answered in Addendum 2 04/02/2026 09:07 AM EDT 04/07/2026 10:52 AM EDT - Q27 Arrow Right Question: Experience and Rates - Life and AD&D coverages The life claim listing shows that there are only two open basic and additional life waiver claims as of February 2026. This is a low number of waiver claims for a group this size. Please confirm there are no additional open waiver claims currently. If there are additional open waiver claims please provide the details. Answer: Answered in Addendum 2 04/02/2026 09:07 AM EDT 04/07/2026 10:52 AM EDT - Q28 Arrow Right Question: Experience and Rates - Life and AD&D coverages Does the supplemental life experience include dependent premium and claims figures? If so, can the figures be separated by employee versus dependent? Answer: Answered in Addendum 2 04/02/2026 09:07 AM EDT 04/07/2026 10:52 AM EDT - Q29 Arrow Right Question: Plan Design - Life and AD&D coverages Have there been any significant plan design changes in the last several years (i.e. change in benefit schedules, acquisitions, mergers)? Answer: Answered in Addendum 2 04/02/2026 09:08 AM EDT 04/07/2026 10:52 AM EDT - Q30 Arrow Right Question: General - Life and AD&D coverages Do you currently use a TPA or software vendor for your benefits enrollment and eligibility? If so, can the name of the vendor be released? Answer: Answered in Addendum 2 04/02/2026 09:08 AM EDT 04/07/2026 10:52 AM EDT - Q31 Arrow Right Question: General - Life and AD&D coverages Will the life insurance plan be self-administered/self-billed by the employer, or will the insurance carrier be responsible for maintaining individual employee records and for generating monthly invoices? Answer: Answered in Addendum 2 04/02/2026 09:08 AM EDT 04/07/2026 10:52 AM EDT - Q32 Arrow Right Question: Other Questions - Life and AD&D coverages Please describe any established file transfers you have in place today. Answer: Answered in Addendum 2 04/02/2026 09:09 AM EDT 04/07/2026 10:52 AM EDT - Q33 Arrow Right Question: Other Questions - Life and AD&D coverages Please describe your evidence of insurability process; including such things as submission, follow-up and notification. Answer: Answered in Addendum 2 04/02/2026 09:09 AM EDT 04/07/2026 10:52 AM EDT - Q34 Arrow Right Question: Other Questions - Life and AD&D coverages Please provide a description of your claims submission process; including such items as information gathering, submission, follow up and resolution. Answer: Answered in Addendum 2 04/02/2026 09:09 AM EDT 04/07/2026 10:52 AM EDT - Q35 Arrow Right Question: Other Questions - Life and AD&D coverages Please provide the details of your current portability/conversion administration process. Answer: Answered in Addendum 2 04/02/2026 09:10 AM EDT 04/07/2026 10:52 AM EDT - Q36 Arrow Right Question: Vendor Questions General: • Class descriptions expand eligibility to citizens or residents in Canada. Please confirm all employees work in the U.S. • Can you please provide work zip codes on the census? • The lives and volume on the census appear inflated compared to the 3/1/2026 billed lives and volume, especially on the voluntary lines. Can you please explain the discrepancy? • Have there been any rate changes since 1/1/2022? • When was the last open enrollment? LTD: • I do not see a self-reported limitation on the LTD certificate. Would you like us to include this limitation? • Does the county participate in: o PERA-Public Employees Retirement Association; or o Fire and Police Pension Association of Colorado Life: • Are any employees currently limiting their Basic Life benefit to $50,000 due to Imputed Income? • Please confirm that the Child Supplemental Life premium is calculated based on per employee enrolled, regardless of the number of covered children. Answer: Answered in Addendum 2 04/02/2026 01:35 PM EDT 04/07/2026 10:52 AM EDT
SLED stands for State, Local, and Education. These are solicitations issued by state governments, counties, cities, school districts, utilities, and higher education institutions — as opposed to federal agencies.
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