{"text_format":"3","workbook":"xlsx","n_sheets":18,"sheets":["General Info","Account Personnel","Life & Disability General","Life","Disability","Basic Life Plan - Active","Basic Life Plan - Retirees","Basic Life - Retiree Proposed","Voluntary Life Plan - Active","Voluntary Life Plan - Retirees","Voluntary Life - Retire Propose","Life Financials","Life Financials Proposed","LTD Plan","LTD Plan Proposed","LTD Financials","LTD Financials Proposed","Sheet1"],"not_rendered":{"images":2,"defined_names":34},"read":"whole","date_system":"1900"}

{"sheet":"General Info","index":0,"n_rows":60,"n_cols":5,"rows_kept":60,"merged":[[0,2,0,3],[3,2,3,3],[4,3,4,5],[5,0,5,2],[6,0,6,2],[23,0,23,2],[25,0,25,2],[26,0,26,3],[33,4,33,6],[34,0,34,3],[40,0,40,3],[46,4,46,6],[47,0,47,3],[50,4,50,6],[51,0,51,2],[53,0,53,3],[54,0,58,3]]}
[]
[]
[]
[null,"ARLINGTON COUNTY GOVERNMENT, VA","Insert Offeror Name Here"]
[null,"23-HRD-RFP 608"]
[]
["Client Information",null,null,"Comments"]
[{"v":1,"d":"01"},"Client Name","Arlington County Government"]
[{"v":2,"d":"02"},"Client Address, City, State, and ZIP Code","2100 Clarendon Blvd, Ste. 511\nArlington, VA  22201"]
[{"v":3,"d":"03"},"Where is the group sitused (legal jurisdiction)?","VA"]
[{"v":4,"d":"04"},"Industry (SIC) Code",9111]
[{"v":5,"d":"05"},"Industry Description","Public / Government Entity"]
["10a","If yes, when can client team provide benefit summary reflecting alternative plan design?",null,null,"REvise"]
[11,"Do you want to allow carriers to submit alternative quotes? Default is to not allow vendors to provide alternate plan designs.",null,null,"REvise"]
[12,"Will Performance Guarantees be required? ",null,null,"REvise"]
[13,"Are there are any Rate Guarantees or Rate Caps in place? ","Move down under Plan Information beginning row 63, ",null,"REvise"]
[14,"Is a Risk Questionnaire required?  ",null,null,"REvise"]
["14a","If the answer if yes, when will the Client Team provide a current Risk Questionnaire signed by the client? ",null,null,"REvise"]
["14b","Will all vendors accept this version or will a carrier-specific form be required (e.g. Blue Cross)? ",null,null,"REvise"]
["14c","If a carrier-specific form is needed when will it be provided from the Client Team?",null,null,"REvise"]
[15,"A Pre-Implementation Audit funded by new vendor will be automatically requested as part of the questionnaire. Standard request is for $25,000.  Confirm that audit will be included, \"Y\" or \"N\"",null,null,"REvise"]
[16,"When will the client team provide an updated de-identified census file in Excel format? (See Client Team Data Request Tab).",null,null,"REvise"]
[17,"Does the client team have additional requests to be added to questionnaire?  If yes, will need to be provided prior to release in order to incorporate within RFP.",null,null,"REvise"]
["Commission Information ",null,null,"Comments"]
[{"v":1,"d":"01"},"Commission Basis (Fee, Commission, Other)",{"v":0,"d":"0%"}]
["Plan Information (Complete rows 34-61, then click the \"Update Plan Tabs\" button)",null,null,"Comments"]
[]
[{"v":1,"d":"01"},"Plan Name & Type","Basic Life/AD&D"]
["01a",{"$f":"\"Will \"&PlanName1&\" be marketed?\"","v":"Will Basic Life/AD&D be marketed?"},"Yes"]
["01b","Please indicate how many different Basic Life/AD&D plans will be marketed",2]
[{"v":2,"d":"02"},"Plan Year Effective Date","2024-01-01"]
[{"v":3,"d":"03"},"Should the proposed plan design match the current plan design?","Yes"]
["03a","If a quoting vendor cannot exactly match the current plan design, will you accept plan design deviations?","Yes"]
[{"v":4,"d":"04"},"Do you want to include a proposed or alternate plan design to be quoted? If so, see Alternate/Proposed Plan Design under \"Documents\"","Yes"]
[]
[{"v":1,"d":"01"},"Plan Name & Type","Voluntary Life/AD&D"]
["01a",{"$f":"\"Will \"&C36&\" be marketed?\"","v":"Will Voluntary Life/AD&D be marketed?"},"Yes"]
[{"v":2,"d":"02"},"Plan Year Effective Date","2024-01-01"]
[{"v":3,"d":"03"},"Should the proposed plan design match the current plan design?","Yes"]
["03a","If a quoting vendor cannot exactly match the current plan design, will you accept plan design deviations?","Yes"]
[]
[{"v":1,"d":"01"},"Plan Name & Type","Long Term Disability"]
["01a",{"$f":"\"Will \"&C42&\" be marketed?\"","v":"Will Long Term Disability be marketed?"},"Yes"]
[{"v":2,"d":"02"},"Plan Year Effective Date","2024-01-01"]
[{"v":3,"d":"03"},"Should the proposed plan design match the current plan design?","Yes"]
["03a","If a quoting vendor cannot exactly match the current plan design, will you accept plan design deviations?","Yes"]
[{"v":4,"d":"04"},"Do you want to include a proposed or alternate plan design to be quoted? If so, see Alternate/Proposed Plan Design under \"Documents\"","Yes"]
[]
[{"v":1,"d":"01"},"Plan Name & Type","Short Term Disability"]
["01a",{"$f":"\"Will \"&C49&\" be marketed?\"","v":"Will Short Term Disability be marketed?"},"No"]
[{"v":2,"d":"02"},"Do you want to include a proposed or alternate plan design to be quoted? If so, see Alternate/Proposed Plan Design under \"Documents\"","Managed inhouse"]
["Carrier History",null,null,"Comments"]
[{"v":1,"d":"01"},"Has the client been with the incumbent for 3 years or more?","Yes"]
["Is there anything else we should be aware of?   \n(I.E. recent downsizing, union involvement, any special classes of employees or executive plans, etc.)?"]
["Union Employees and Retirees are part of the eligible population"]
[]
[]
[]
[]
["Note:  Information provided in this RFP will be shared with Aon Consulting to assist in the evaluation"]

{"sheet":"Account Personnel","index":1,"n_rows":97,"n_cols":4,"rows_kept":97,"merged":[[3,1,3,2],[4,0,4,1],[5,0,5,2],[6,0,6,1],[7,0,7,2],[8,0,8,2],[9,0,9,1],[10,0,10,2],[11,0,11,1],[12,0,12,2],[13,0,17,0],[18,0,18,2],[19,0,19,1],[19,3,19,5],[20,0,20,2],[21,0,21,1],[22,0,22,2],[24,0,24,2],[25,0,25,2],[26,0,26,1],[27,0,27,2],[28,0,28,1],[29,0,29,2],[30,0,34,0],[35,0,35,2],[36,0,36,1],[37,0,37,2],[38,0,38,1],[39,0,39,2],[40,0,40,1],[41,0,41,2],[42,0,42,1],[43,0,43,2],[44,0,44,1],[45,0,45,2],[46,0,46,1],[47,0,47,2],[48,0,48,1],[49,0,49,2],[50,0,50,1],[51,0,51,2],[52,0,52,2],[53,0,53,1],[54,0,54,2],[55,0,55,1],[56,0,56,2],[57,0,61,0],[62,0,62,2],[63,0,63,1],[64,0,64,2],[65,0,65,1],[66,0,66,2],[67,0,67,1],[68,0,68,2],[69,0,69,1],[70,0,70,2],[71,0,71,1],[72,0,72,2],[73,0,73,2],[74,0,74,1],[75,0,75,2],[76,0,76,1],[77,0,77,2],[78,0,78,1],[79,0,79,2],[85,0,85,2],[86,0,86,1],[87,0,87,2],[88,0,88,1],[89,0,89,2],[90,0,90,1],[91,0,91,2],[92,0,92,1],[93,0,93,2],[94,0,94,1],[95,0,95,2]]}
[]
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA","Insert Offeror Name Here"]
[null,null,"Vendor Response"]
["Carrier Information"]
["Carrier Legal Entity Name, as written on formal proposal document:",null,null,"*"]
[]
["Primary Marketing Contact"]
["Name",null,null,"*"]
[]
["Job Title",null,null,"*"]
[]
["Office Address","Address 1 ",null,"*"]
[null,"Address 2 "]
[null,"City ",null,"*"]
[null,"State ",null,"*"]
[null,"Zip Code",null,"*"]
[]
["Phone Number",null,null,"*"]
[]
["Fax Number",null,null,"*"]
[]
["Email Address","",null,"*"]
[]
["Ongoing Account Manager"]
["Name"]
[]
["Job Title"]
[]
["Office Address","Address 1 "]
[null,"Address 2 "]
[null,"City "]
[null,"State "]
[null,"Zip Code"]
[]
["Phone Number"]
[]
["Fax Number"]
[]
["Email Address"]
[]
["Number of Years in Current Position"]
[]
["Number of Years Experience in Industry"]
[]
["Average Size of Clients (e.g., 0-1000 ; 1000-4999 ; 5000-10,000 lives)"]
[]
["Number of Current Clients Managed by this Account Manager"]
[]
["Number of Local Government/State Government Clients Managed by this Account Manager"]
[]
["Dedicated Claims Contact"]
["Name"]
[]
["Job Title"]
[]
["Office Address","Address 1 "]
[null,"Address 2 "]
[null,"City "]
[null,"State "]
[null,"Zip Code"]
[]
["Phone Number"]
[]
["Fax Number"]
[]
["Email Address"]
[]
["Number of Years in Current Position"]
[]
["Number of Years Experience in Industry"]
[]
["Implementation Manager"]
["Name"]
[]
["Job Title"]
[]
["Number of Years with this Company in this Position"]
[]
["Office Address","Address 1 "]
[null,"Address 2 "]
[null,"City "]
[null,"State "]
[null,"Zip Code"]
[]
["Phone Number"]
[]
["Fax Number"]
[]
["Email Address"]
[]
["Percent of Implementation Manager's Time Available for our Client's Implementation"]
[]
["Number of implementations completed with this company for clients of a similar size with similar products lines "]
[]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Life & Disability General","index":2,"n_rows":107,"n_cols":6,"rows_kept":107,"merged":[[0,4,0,5],[1,1,1,4],[2,1,2,4],[3,1,3,2],[5,1,5,4],[11,0,15,0],[17,0,21,0],[24,1,24,5],[26,0,27,0],[29,0,30,0],[34,1,34,5],[55,1,55,5],[61,1,61,5],[81,1,81,5],[83,0,84,0],[87,0,88,0],[91,0,92,0],[96,1,96,5],[98,0,99,0]]}
[null,"ARLINGTON COUNTY GOVERNMENT, VA",null,null,"Insert Offeror Name Here"]
[null,"Product Group: Life and Disability General Questionnaire"]
[null,"Product Type: Life and Disability General Questionnaire  "]
[null,"Questionnaire: General Questions"]
[]
[null,"General Questions >> Vendor Identification/Contacts",{"$nulls":3}," Response"]
[]
[null,"Carrier Legal Name",null,null,""]
[]
[null,"Carrier Marketing Name",null,null,""]
[]
[null,"Primary Contact - Individual able to confirm questions around submitted responses","Name",null,""]
[null,null,"Title",null,""]
[null,null,"Address",null,""]
[null,null,"Telephone #",null,""]
[null,null,"E-mail Address",null,""]
[]
[null,"Additional Primary Contact","Name",null,""]
[null,null,"Title",null,""]
[null,null,"Address",null,""]
[null,null,"Telephone #",null,""]
[null,null,"E-mail Address",null,""]
[]
[]
[null,"General Questions >> Financial - Underwriting Requirements/Premium Quotation"]
[]
[null,"Arlington County is requesting that the initial contract period is five years (January 1, 2024 through December 31, 2028) with 1 five-year renewal options following the initial contract period.  Please confirm your agreement","",null,"Yes\nNo\nOther"]
[null,null,"Other",null," "]
[]
[null,"How many years are rates guaranteed?  Recommending at least 5 years.","",null,"1 Year\n2 Years\n3 Years\n4 Years\n5 Years\nOther"]
[null,null,"Other",null," "]
[]
[null,"Vendor will provide a +/- 25% change in lives or volume caveat.","",null,"Agree\nDisagree"]
[]
[null,"General Questions >> Minimum Criteria"]
[]
[null,"Please provide your Financial Ratings from A.M Best, Standard & Poor's, Moody's, Fitch, as issued since January 1, 2022.",""]
[null,null,"Explanation",null," "]
[]
[null,"Vendor  may not take exceptions to mandatory provisions of the draft Contract Terms and Conditions that are attached to this solicitation. Mandatory provisions are  marked with an asterisk","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"State the year vendor began offering employer group life insurance",""]
[null,null,"Explanation",null," "]
[]
[null,"The Offeror must directly provide all requested services","",null,"Agree\nDisagree"]
[]
[]
[null,"How many covered lives do you insure in your current life insurance book of business?",""]
[null,null,"Explanation",null," "]
[]
[null,"How many covered lives do you insure in your current disability insurance book of business?",""]
[null,null,"Explanation",null," "]
[]
[]
[null,"General Questions >> Financial - Renewal Services"]
[]
[null,"Renewal rates (to be accompanied with an experience summary report) will be provided at least 180 days in advance of the contract anniversary date.","",null,"Agree\nDisagree"]
[]
[null,"In the event of policy termination, vendor will be responsible for claims incurred prior to the termination date.  The replacement vendor will have the responsibility to pay claims incurred after the termination date of the contact.","",null,"Agree\nDisagree"]
[]
[null,"General Questions >> Legal/Contractual Considerations"]
[]
[null,"Define \"actively at work\".  Please describe how employees on non-FMLA paid parental leave; Workers Comp are handled.",null,null,"Text"]
[]
[null,"Vendor's organization has complied with all state insurance department filing requirements for all plans/products being offered in this quote in each state in which the client has employees.","",null,"Agree\nDisagree"]
[]
[null,"Vendor agrees that answers provided in the questionnaire will supersede any submitted carrier proposal.","",null,"Agree\nDisagree"]
[]
[null,"Vendor unconditionally agrees to provide coverage to all present participants enrolled on the program effective date. No active employees or disabled employees shall lose coverage as a result of a change in vendor.","",null,"Agree\nDisagree"]
[]
[null,"Vendor will provide \"no loss, no gain\" provision and will unconditionally provide continuous coverage to all current participants.","",null,"Agree\nDisagree"]
[]
[null,"No statement of health or medical evidence will be imposed upon the initial group of covered employees for coverage amounts currently inforce.","",null,"Agree\nDisagree"]
[]
[null,"All financial and claimant information will be kept confidential and will not be disclosed to any other party without the client's express approval.","",null,"Agree\nDisagree"]
[]
[null,"Vendor certifies that it will comply with the Department of Labor's final claims procedure regulations, including the appropriate timeframes for (a) adjudicating claims, and (b) notice of appeal decisions. ","",null,"Agree\nDisagree"]
[]
[null,"Vendor agrees to monitor federal and state legislation affecting the delivery of plan benefits to participants and to report to the client  on those issues in a timely fashion, prior to the effective date of any mandated plan changes.","",null,"Agree\nDisagree"]
[]
[null,"General Questions >> Performance Guarantees- General"]
[]
[null,"The client is willing to negotiate performance standards on financial and service performance results with the selected proposer to encourage the proposer to provide superior performance.  Carrier's failure to meet the performance guarantee(s) would result in a financial penalty. ","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[]
[null,"Please provide an attached copy of your standard Performance Guarantees.  ","",null,"Agree\nDisagree"]
[null,null,"Explanation"]
[]
[]
[null,"Vendor understands that County of Arlington will work to successfully negotiate the Performance Guarantees in advance of awarding the business","",null,"Agree\nDisagree"]
[null,null,"Explanation"]
[]
[null,"Confirm client can allocate the $ at risk across the metrics that are most important to them.","",null,"Agree\nDisagree"]
[]
[null,"General Questions >> Performance Guarantees- Implementation & Account Management"]
[]
[null,"Please confirm your willingness to put 3% of premium at risk. If disagree, please specify. (Note: we are asking for the percentage without a cap, if there is a cap, please specify)","",null,"Confirm\nDo not confirm - See explanation"]
[null,null,"Explanation",null," "]
[null,"Is Account Management Performance Guarantee metric included? Is the metric based on Book of Business (BOB) or Client Specific (CS)?","",null,"Included - Client Specific\nIncluded - Book of Business\nNot Included"]
[]
[null," Is an Implementation Performance Guarantee metric included? Is the metric based on Book of Business (BOB) or Client Specific (CS)?","",null,"Included - Client Specific\nIncluded - Book of Business\nNot Included"]
[]
[null,"Please confirm how the Implementation & Account Management Performance Guarantee is integrated into the plan specific Performance Guarantee. (Example: Separate, integrated within one coverage, spread across all coverages, etc.)",null,null,""]
[]
[null,"Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Life","index":3,"n_rows":188,"n_cols":12,"rows_kept":188,"merged":[[0,4,0,5],[1,1,1,4],[2,1,2,4],[3,1,3,2],[5,1,5,4],[21,1,21,5],[27,0,36,0],[41,0,50,0],[54,1,54,5],[62,0,70,0],[72,0,73,0],[76,0,77,0],[79,0,80,0],[82,0,83,0],[94,0,95,0],[97,0,98,0],[100,0,101,0],[102,1,102,5],[104,0,105,0],[107,0,108,0],[110,0,111,0],[113,0,114,0],[116,0,117,0],[119,0,120,0],[122,0,123,0],[125,0,126,0],[128,0,129,0],[131,0,132,0],[134,1,134,5],[136,0,137,0],[140,0,141,0],[144,0,145,0],[147,0,148,0],[150,0,151,0],[153,0,154,0],[156,0,157,0],[160,0,161,0],[164,0,165,0],[167,1,167,5],[171,0,172,0],[174,0,175,0],[177,0,178,0],[180,0,181,0],[183,1,183,5],[185,0,186,0]]}
[null,"ARLINGTON COUNTY GOVERNMENT, VA",null,null,"Insert Offeror Name Here"]
[null,"Product Group: Life Only Questionnaire"]
[null,"Product Type: Life Only Questionnaire"]
[null,"Questionnaire: Life Questions",{"$nulls":3}," Response"]
[]
[null,"Life - Questions >> Life and AD&D"]
[]
[null,"Vendor confirms Life and/or AD&D pricing is valid on a standalone basis and not bundled with other product lines. ","",null,"Agree\nDisagree",{"$nulls":5},"Agree","Disagree"]
[]
[null,"Vendor agrees to duplicate all current benefits/provisions as described in this RFP and accompanying documentation.  If vendor does not intend to duplicate the current plans exactly, all deviations will be specifically identified in the RFP response.","",null,"Agree\nDisagree",{"$nulls":5},"Yes","No"]
[]
[null,"Is a single case filing required in order to match all of the current provisions? ","",null,"Yes\nNo"]
[]
[null,"Vendor agrees there will be no exclusions (including suicide) applicable to basic life.","",null,"Agree\nDisagree"]
[]
[null,"Are there any exclusions that apply to supplemental and dependent life?","",null,"Yes\nNo"]
[]
[null,"If no deviations are listed on the plan summary, the requested AD&D schedule has been quoted.","",null,"Agree\nDisagree"]
[]
[null,"Child life benefit will begin at live birth.","",null,"Agree\nDisagree"]
[]
[null,"Life - Questions >> Underwriting"]
[]
[null,"Is there a minimum participation requirement on the supplemental life?","",null,""]
[]
[null,"Vendor will provide a one time true open enrollment event up to the Guaranteed Issue Amount for all employees (including not enrolled)?","",null,"Agree\nDisagree"]
[]
[null,"For employees, confirm the EOI rules for the following situations:","Initial Open Enrollment: ",null,"One level increase for all employees (including not enrolled)\nOne level increase for currently enrolled employees only\nUp to the Guarantee Issue amount for all employees (including not enrolled)\nUp to the Guarantee Issue amount for currently enrolled employees only\nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Future Open Enrollments (Year 2 and beyond)",null,"One level increase for all employees (including not enrolled)\nOne level increase for currently enrolled employees only\nUp to the Guarantee Issue amount for all employees (including not enrolled)\nUp to the Guarantee Issue amount for currently enrolled employees only\nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Qualified Status Change",null,"One level increase for all employees (including not enrolled)\nOne level increase for currently enrolled employees only\nUp to the Guarantee Issue amount for all employees (including not enrolled)\nUp to the Guarantee Issue amount for currently enrolled employees only\nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Salary Increases",null,"Up to the Plan Maximum\nUp to the Guarantee Issue amount \nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Newly Eligible/New Hire",null,"Up to the Guarantee Issue amount \nEOI Required\nOther"]
[null,null,"Other",null," "]
[]
[]
[null,"Today when an employee gets married, the spouse can only receive $5K without Guaranteed Issue.  Arlington County would like the Spouse to receive up to $50K due to being newly eligible. ","",null,"Agree\nDisagree",{"$nulls":5},"Yes","No"]
[]
[null,"For spouses, confirm the EOI rules for the following situations: ","Initial Open Enrollment: ",null,"One level increase for all employees (including not enrolled)\nOne level increase for currently enrolled employees only\nUp to the Guarantee Issue amount for all employees (including not enrolled)\nUp to the Guarantee Issue amount for currently enrolled employees only\nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Future Open Enrollments (Year 2 and beyond)",null,"One level increase for all employees (including not enrolled)\nOne level increase for currently enrolled employees only\nUp to the Guarantee Issue amount for all employees (including not enrolled)\nUp to the Guarantee Issue amount for currently enrolled employees only\nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Qualified Status Change",null,"One level increase for all employees (including not enrolled)\nOne level increase for currently enrolled employees only\nUp to the Guarantee Issue amount for all employees (including not enrolled)\nUp to the Guarantee Issue amount for currently enrolled employees only\nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Other",null," "]
[null,null,"Newly Eligible/New Hire",null,"Up to the Guarantee Issue amount \nEOI Required\nOther"]
[null,null,"Other",null," "]
[null,null,"Other",null," "]
[]
[null,"EOI is not required for children","",null,"Agree\nDisagree"]
[]
[null,"Life - Questions >> Administrative, Claims Processing and Operations"]
[]
[null,"Location of the office that would process claims for the client.",null,null,""]
[]
[null,"Is an original copy of the certified death certificate required for claim submission?","",null,"Yes\nNo"]
[]
[null,"12 month continuation of coverage provision included in quote.","",null,"Agree\nDisagree"]
[]
[null,"Are the following value added services included in quoted pricing?","Grief Counseling",null,"Included in pricing (5 face to face visits)\nIncluded in pricing (3 face to face visits)\nIncluded in pricing (no face to face visits)\nAvailable at additional charge\nNot available"]
[null,null,"Grief Counseling",null,"Included in pricing (5 virtual visits)\nIncluded in pricing (unlimited virtual visits)\nAvailable at additional charge\nNot available"]
[null,null,"Financial Counseling - for beneficiaries",null,"Included in pricing\nAvailable at additional charge\nNot available"]
[null,null,"Will Preparation",null,"Included in pricing (includes in-person visit)\nIncluded in pricing (online only)\nAvailable at additional charge\nNot available"]
[null,null,"Funeral Planning or Funeral Concierge",null,"Included in pricing\nAvailable at additional charge\nNot available"]
[null,null,"Travel Assistance",null,"Included in pricing\nAvailable at additional charge\nNot available"]
[null,null,"Identity Theft",null,"Included in pricing\nAvailable at additional charge\nNot available"]
[null,null,"Financial Wellness - for living employees and their families",null,"Included in pricing\nAvailable at additional charge\nNot available"]
[null,null,"Please list any other value adds or provide comments on the items above (available for all employees, beneficiaries only, etc.)",null,""]
[]
[null,"Please confirm any interface files that are required for the administration of this program.","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[]
[null,"Will you work with funeral homes directly when a funeral home assignment is in place?","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Please confirm your agreement to self billed payments.","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Identify life products that can be ported (Basic Life, Basic AD&D, Voluntary Life, Voluntary AD&D).","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Ported individuals continue to be covered by vendor following the termination of the group policy?","",null,"Yes\nNo"]
[]
[null,"60 days will be provided for an employee to port or convert their coverage.","",null,"Agree\nDisagree"]
[]
[null,"Is there a maximum age at which port coverage reduces and/or terminates?  ","",null,"Yes\nNo"]
[]
[]
[null,"What is the maximum age at which an individual can elect to port coverage?",null,null,""]
[]
[null,"Can employees port coverage that is lost at the time they retire?",""]
[null,null,"Explanation"]
[]
[null,"Can disabled individuals port their coverage?",""]
[null,null,"Explanation"]
[]
[null,"Are any of the provided services off-shored?",""]
[null,null,"Explanation"]
[null,"Life - Questions >> Evidence of Insurability"]
[]
[null,"Can the employee complete EOI questionnaire online?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Can the employee can view EOI status online?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Please provide your approval rate for all EOI applications."]
[null,null,"Explanation",null," "]
[]
[null,"Please provide your approval rate for online EOI.",""]
[null,null,"Explanation",null," "]
[]
[null,"Confirm ability to customize EOI communication.","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Confirm whether paramed EOI exams are required.","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"How are EOI approvals reported to the Employer?","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Confirm EOI approval confirmation with benefit amount is sent.","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Approximately how many EOI questions are asked.","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"How much time is provided for an employee or dependent to complete the EOI application?","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Life - Questions >> Claims Processing"]
[]
[null,"What are the modes of contact for customer inquiry for both claims and EOI: phone, email, website portal","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[]
[null,"Mobile app intake available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[]
[null,"Fillable PDF for employer to use for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Email intake available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Intake portal available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Can employer can view claim status online?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Can beneficiaries view claim status online?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[]
[null,"Please describe the employer claims reporting that is available.","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[]
[null,"Confirm you will provide employer with a report that shows the claims processed per month.","",null,"Text"]
[null,null,"Explanation",null," "]
[{"$nulls":10},"Agree, PGs will be based on client metrics"]
[null,"Life - Questions >> Performance Guarantees",{"$nulls":8},"Agree, PGs will be mixed between client metrics (account management) and book of business (all others)"]
[{"$nulls":10},"Disagree, all metrics will be based on book of business"]
[null,"Vendor agrees to client specific Performance Guarantee metrics.","",null,"Agree, PGs will be based on client metrics\nAgree, PGs will be mixed between client metrics (account management) and book of business (all others)\nDisagree, all metrics will be based on book of business"]
[]
[null,"Average claim turnaround time within 5 days of complete claim?","",null,"text "]
[null,null,"Explanation"]
[]
[null,"Call abandonment rate under 3%?","",null,"Agree\nDisagree"]
[null,null,"Explanation"]
[]
[null,"Please provide your Life Claim coding accuracy.","",null,"text "]
[null,null,"Explanation"]
[]
[null,"Please provide your Life Claim payment accuracy.","",null,"text "]
[null,null,"Explanation"]
[]
[null,"Life - Questions >> Performance Guarantees- Life and AD&D"]
[]
[null,"Please confirm your willingness to put 3% of premium at risk. If disagree, please specify. (Note: we are asking for the percentage without a cap, if there is a cap, please specify)","",null,"Confirm\nDo not confirm - See explanation",{"$nulls":5},"Confirm"]
[null,null,"Explanation",null," ",{"$nulls":5},"Do not confirm - see explanation"]
[null,"Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Disability","index":4,"n_rows":126,"n_cols":12,"rows_kept":126,"merged":[[0,4,0,5],[1,1,1,4],[2,1,2,4],[3,1,3,2],[6,1,6,4],[14,1,14,5],[20,0,22,0],[24,1,24,5],[28,0,29,0],[39,1,39,5],[45,0,46,0],[50,1,50,5],[55,1,55,5],[62,0,63,0],[66,0,67,0],[69,0,70,0],[72,0,73,0],[75,0,76,0],[78,0,79,0],[81,0,82,0],[84,0,85,0],[87,0,88,0],[90,0,91,0],[93,0,94,0],[96,0,97,0],[99,0,100,0],[102,0,103,0],[105,0,106,0],[108,0,109,0],[111,0,112,0],[114,0,115,0],[117,0,118,0],[120,0,121,0],[123,0,124,0]]}
[null,"ARLINGTON COUNTY GOVERNMENT, VA",null,null,"Insert Offeror Name Here"]
[null,"Product Group: Disability Questionnaire"]
[null,"Product Type: Disability Questionnaire"]
[null,"Questionnaire: Disability - Questions",{"$nulls":3},"Response"]
[]
[]
[null,"Long Term Disability >> Disability "]
[]
[null,"Vendor confirms Disability pricing is valid on a standalone basis and not bundled with other product lines. ","",null,"Agree\nDisagree",{"$nulls":4},"Agree","Disagree"]
[]
[null,"Vendor agrees to duplicate all current benefits/provisions as described in this RFP and accompanying documentation.  If vendor does not intend to duplicate the current plans exactly, all deviations will be specifically identified in the RFP response.","",null,"Agree\nDisagree",{"$nulls":4},"Yes","No"]
[]
[null,"Is a single case filing required in order to match all of the current provisions? ","",null,"Yes\nNo"]
[]
[null,"Long Term Disability >> Claim Reporting"]
[]
[null,"Does the vendor web site allow for \"real-time\" access to employer claim reports?","",null,"Yes\nNo"]
[]
[null,"Are claimants communicated with via text message?","",null,"Yes\nNo"]
[]
[null,"Are the following data elements available to employer contacts online?","Claim Status",null,"Yes\nNo"]
[null,null,"Paid Through Date",null,"Yes\nNo"]
[null,null,"Estimated and actual RTW date",null,"Yes\nNo"]
[]
[null,"Long Term Disability >> Long Term Disability"]
[]
[null,"At what point should the LTD claim be initiated?",null,null," "]
[]
[null,"If a claimant received disability benefits under the prior plan, but returned to work for one full day after the policy effective date, and then went back out on disability as a recurrent claim... ","As the new vendor, confirm liability would be assumed liability for this claim.",null,"Agree\nDisagree\nN/A - Inforce carrier",{"$nulls":4},"Agree\n","Disagree","N/A - Inforce carrier"]
[null,null,"As the new Vendor, waive the elimination period that would have applied given that this is a recurrent claim.",null,"Agree\nDisagree\nN/A - Inforce carrier"]
[]
[null,"Does vendor offset LTD benefits by estimated Social Security awards or wait until Social Security approval is received","",null,"Estimated\nAwait Approval"]
[]
[null,"Vendor will not offset with Social Security retirement benefits that are being paid out in advance of a disability.","",null,"Agree\nDisagree"]
[]
[null,"Employer FICA match and W2s are included in vendors LTD quote.","",null,"Agree\nDisagree"]
[]
[null,"If LTD is voluntary, please confirm you have quoted pre-existing conditions only (no evidence of insurability):","",null,"Agree\nDisagree"]
[]
[null,"Long Term Disability >> Value Added Services"]
[]
[null,"Is Financial Assistance/Budgeting counseling available for claimants who become disabled?","",null,"Yes\nNo"]
[]
[null,"Does vendor's LTD program include a monetary benefit that pays for equipment needed to allow an employee to Stay at Work prior to becoming a disability claim? ","",null,"Yes\nNo"]
[]
[null,"Are any of the services provided subcontracted?"]
[]
[]
[null,"Are any of the subcontract services off-shored?","",null,"Yes\nNo"]
[]
[null,"Long Term Disability >> Performance Guarantees"]
[]
[null,"Vendor agrees to client specific Performance Guarantee metrics.","",null,"Agree, PGs will be based on client metrics\nAgree, PGs will be mixed between client metrics (account management) and book of business (all others)\nDisagree, all metrics will be based on book of business"]
[]
[]
[null,"Long Term Disability >> Claim Process-Long Term Disability"]
[null,"Are claims submitted by Employer or Employee?","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Vendor has 24/7 Claim intake available.","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Vendor has voice authorization for medical documentation accepted.","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[]
[null,"Mobile app intake available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Telephonic intake available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Email intake available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Intake portal available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"IVR available for claim submission?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Please provide telephonic claim submission hours.","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Are the following data elements available to employer contacts online? Claim status, Paid Through date & estimated and actual RTW date.","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"What is a typical LTD claim examiner's case load?","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"When does a disability case close if medical is not received?","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"For disability claimaints, will you reach out with 3+ attempts to obtain medical information if not received?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"How do claimants update their contact information?","",null,"Text"]
[null,null,"Explanation",null," "]
[]
[null,"Will disability claimants have claim examiner's direct phone number to contact?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Will disability claimants have claim examiner's email address to contact?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"Call abandonment rate under 3%?","",null,"Agree\nDisagree"]
[null,null,"Explanation",null," "]
[]
[null,"LTD claim payment accuracy? Please respond with percentage.",""]
[null,null,"Explanation",null," "]
[]
[null,"LTD coding accuracy? Please respond with percentage.",""]
[null,null,"Explanation",null," "]
[]
[null,"Are any of the provided services off-shored?","",null,"Agree\nDisagree"]
[null,null,"Explanation"]
[]
[null,"Specify the location of the office that would process claims for Arlington County.",""]
[null,null,"Explanation"]
[]
[null,"Please confirm that the claim team assigned will work Monday-Friday during normal business hours.",""]
[null,null,"Explanation"]
[]
[null,"Please describe maximum number of open and new claims for examiners and clinicians.",""]
[null,null,"Explanation"]
[null,"Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Basic Life Plan - Active","index":5,"n_rows":54,"n_cols":3,"rows_kept":54,"merged":[[51,0,51,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Basic Life - Active Employees"]
[]
[null,"Inforce Plan","Vendor Response"]
["General Information"," Basic Life"," Basic Life/AD&D"]
[]
["Class I"]
["Class Definition","All Full-time and Part-time Active Employees work; excluding temporary, leased or seasonal employees\nFull Time working 30+ hrs/wk; \nPart Time 10+ hrs/wk"]
["Eligibility Waiting Period","None"]
["Earnings Definition","Regular annual rate of pay excluding commissions, bonuses, etc"]
["Class II"]
["Class Definition","All non-seasonal temporary employees"]
["Eligibility Waiting Period","1) None – If you previously met the eligibility requirements of the Employer as of the Policy Effective Date: or\n2) After 1 year of employment and you averaged 20 work hours per week during the previous year – if You start\nworking for the Employer after the Policy Effective Date.None"]
["Earnings Definition","Regular annual rate of pay excluding commissions, bonuses, etc"]
["Class III & IV"]
["Class Definition","Class III   All Full-time Active Employees who are county manager(s)\nClass IV   All Full-time Active Employees who are County Attorney(s)"]
["Eligibility Waiting Period","None"]
["Earnings Definition","Regular annual rate of pay excluding commissions, bonuses, etc"]
["Maximums"]
["Life Benefit","Class I & II  1x annual eanrings, rounded to next higher $1,000 if not already a multiple thereof\nClass III & IV    2x annual eanrings, rounded to next higher $1,000 if not already a multiple thereof"]
["Minimum Benefit",{"v":10000,"d":"$10,000"}]
["Maximum Benefit","Class I & II - Maximum $500,000\nClass III & IV - Maximum benefit $1,000,000"]
["Reductions"]
["Age Reduction Description - ADEA 1, 2 or SSNRA","None"]
["Additional Information"]
["Accelerated Death Benefit (ABO)","80% to $500,000; under age 70"]
["Disability Extension Start","Prior to age 70; provided required premiums are paid"]
["Disability Extension End","Earliest of:  1) The Policy terminates;\n2) the required premium for coverage is due but not paid;\n3) You attain Age 70; or\n4) You are no longer in an Eligible Class, or the class is cancelled."]
["Portability","Included"]
["Conversion","Included"]
["AD&D"]
["Coverage Matches Basic Life Amount","Yes"]
["Loss of Life","Included"]
["Schedule of AD&D losses","Included"]
["Seat belt","10% to $10,000"]
["Airbag","5% to $5,000"]
["Repatriation","5% to $5,000"]
["Child Education","5% to $5,000"]
["Day Care","5% to $5,000"]
["Rehabilitation","5% to $5,000"]
["Spouse Education","5% to $5,000"]
["Adaptive Home and Vehicle","5% to $5,000"]
["Exposure & Dissappearance","Included"]
["Other Comments Regarding Plan Design"]
["Deferred Effective Date","Included"]
["Continuity from Prior Policy","Included"]
["Coverage Termination","Your coverage will end on the earliest of the following:\n1) the date The Policy terminates;\n2) the end of the month following the date You are no longer in a class eligible for coverage, or The Policy no longer insures Your class;\n3) the end of the month following the date the premium payment is due but not paid;\n4) the date Your Employer terminates Your employment; or\n5) the date You are no longer Actively at Work;\nunless continued in accordance with any one of the Continuation Provisions"]
["Continuation","Leave of Absence:  24 months after month in which leave commenced\nMilitary Leave of Absence:  24 weeks\nLay Off:  Last day of month following month of temporary Lay Off\nSickness or Injury:  12 months\nFML 12 weeks / 26 weeks\nSeverance:  If Your employment terminates and continuation of life insurance is available to You in a severance plan\nCompany Sponsored Family Leave:  Up to 12 weeks of paid or unpaid leave\nsponsored by the Employer, all of Your coverage may be continued. Your coverage will continue until the earliest of:\n1) the date The Policy terminates;\n2) the date You become covered under another group life insurance policy;\n3) the date specified in Your severance plan; or\n4) end of the month in which your employment is severed."]
["Exclusions","AD&D:  \n1) intentionally self-inflicted Injury;\n2) suicide or attempted suicide, whether sane or insane;\n3) war or act of war, whether declared or not;\n4) Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or\ninternational authority;\n5) Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines,\nor hallucinogens, unless as prescribed by or administered by a Physician;\n6) Injury sustained while committing or attempting to commit a felony; or\n7) Injury sustained while Intoxicated"]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Basic Life Plan - Retirees","index":6,"n_rows":43,"n_cols":3,"rows_kept":43,"merged":[[40,0,40,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Basic Life - Retirees"]
[]
[null,"Inforce Plan","Vendor Response"]
["General Information"," Basic Life"," Basic Life/AD&D"]
["Definition of Retiree:","Retiree means a former Active Full-time Employee of the Employer who has attained Retiree status according to the Employer’s retiree eligibility policy."]
["Class Definition ","Class 1 - Retirees under age 65 as of April 1 every year, who have worked 10-19 hours/week;\nClass 2 - Retirees age 65+ as of April 1 every year, who worked 10-19 hours/week,\nClass 3 - Retirees under age 65 as of April 1 every year, who have worked 20-29 hours/week;\nClass 4 - Retirees age 65+ as of April 1 every year, who have worked 20-29 hours/weekx,\nClass 5 - Retirees under age 65 as of April 1 every year, who have worked 30-40 hours/week;\nClass 6 - Retirees age 65+ as of April 1 every year, who have worked 30-40 hours/week;\n prior to date of retirement;"]
["Eligibility Waiting Period","None"]
["Maximums"]
["Life Benefit","Class 1  $ 2,500\nClass 2  $ 2,000\nClass 3  $ 5,000\nClass 4  $ 4,000\nClass 5  $10,000\nClass 6  $ 8,000"]
["Reductions"]
["Age Reduction Description - ADEA 1, 2 or SSNRA","None"]
["Additional Information"]
["Accelerated Death Benefit (ABO)","None"]
["Life Disability Provision","None"]
["Life disability provision description","None"]
["Waiting period for waiver of premium","None"]
["Portability","None"]
["Conversion","Included"]
["AD&D"]
["Coverage Matches Basic Life Amount","None"]
["Loss of Life","N/A"]
["Schedule of AD&D losses","N/A"]
["Seat belt","N/A"]
["Airbag","N/A"]
["Repatriation","N/A"]
["Child Education","N/A"]
["Day Care","N/A"]
["Rehabilitation","N/A"]
["Spouse Education","N/A"]
["Adaptive Home and Vehicle","N/A"]
["Exposure & Dissappearance","N/A"]
["Other Comments Regarding Plan Design"]
["Deferred Effective Date","Included"]
["Continuity from Prior Policy","N/A"]
["Coverage Termination","Coverage will end on the earliest of the following:\n1) the date The Policy Terminates;\n2) the date You are no longer in a class eligible for coverage, or the class is cancelled; or\n3) the required premium is due but not paid."]
["Continuation","N/A"]
["Exclusions","N/A"]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Basic Life - Retiree Proposed","index":7,"n_rows":43,"n_cols":3,"rows_kept":43,"merged":[[40,0,40,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Basic Life - Retirees"]
[]
[null,"Proposed Plan","Vendor Response"]
["General Information"," Basic Life"," Basic Life/AD&D"]
["Definition of Retiree:","Retiree means a former Active Full-time Employee of the Employer who has attained Retiree status according to the Employer’s retiree eligibility policy, which states retiree is beneift eligible.\n\n"]
["Class Definition ","Class 1 - Retirees who have worked 30-40 hours\nClass 2 - Retiree who have worked 10-29 hours"]
["Eligibility Waiting Period","None"]
["Maximums"]
["Life Benefit","Class 1 - $15,000\nClass 2  - $7,500"]
["Reductions"]
["Age Reduction Description - ADEA 1, 2 or SSNRA","None"]
["Additional Information"]
["Accelerated Death Benefit (ABO)","None"]
["Life Disability Provision","None"]
["Life disability provision description","None"]
["Waiting period for waiver of premium","None"]
["Portability","None"]
["Conversion","Included"]
["AD&D"]
["Coverage Matches Basic Life Amount","None"]
["Loss of Life","N/A"]
["Schedule of AD&D losses","N/A"]
["Seat belt","N/A"]
["Airbag","N/A"]
["Repatriation","N/A"]
["Child Education","N/A"]
["Day Care","N/A"]
["Rehabilitation","N/A"]
["Spouse Education","N/A"]
["Adaptive Home and Vehicle","N/A"]
["Exposure & Dissappearance","N/A"]
["Other Comments Regarding Plan Design"]
["Deferred Effective Date","Included"]
["Continuity from Prior Policy","N/A"]
["Coverage Termination","Coverage will end on the earliest of the following:\n1) the date The Policy Terminates;\n2) the date You are no longer in a class eligible for coverage, or the class is cancelled; or\n3) the required premium is due but not paid."]
["Continuation","N/A"]
["Exclusions","N/A"]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Voluntary Life Plan - Active","index":8,"n_rows":54,"n_cols":4,"rows_kept":54,"merged":[[51,0,51,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Voluntary Life/AD&D - Active Employees"]
[]
[null,"Inforce Plan","Vendor Response"]
["General Information"," Voluntary Life/AD&D"," Voluntary Life/AD&D"]
["Class 1"]
["Class Definition ","All Full Time and Part Time Active employees;\nFull Time working 30+ hrs/wk; \nPart Time 10+ hrs/wk",null,"."]
["Eligibility Waiting Period","None"]
["Earnings Definition","Regular annual rate of pay excluding commissions, bonuses, etc"]
["Benefit - Employee"]
["Employee Life Benefit",".5, 1, 2, 3, 4, 5 times earnings, rounded to next higer $1,000 if not already a multiple thereof"]
["Minimum",{"v":10000,"d":"$10,000"}]
["Overall Max ",{"v":1000000,"d":"$1,000,000"}]
["GI Max","Lesser of 2x earnings or $450,000, rounded to next higher $1,000 if not already a multiple thereof"]
["Does AD&D benefit match Life benefit","Yes"]
["Benefit - Dependent"]
["Spouse Life Benefit","Increments of $5,000 to a Maximum of $250,000; not to exceed 50% of Employee Voluntary Life Amount"]
["Spouse Life Benefit Maximum",{"v":250000,"d":"$250,000"}]
["Child Life Benefit",{"v":10000,"d":"$10,000"}]
["Child Age","Requesting Live Birth but under age 19 years; Age 25 if Full-time student\nEligibility includes incapacitated children"]
["GI Max","Spouse GI $50,000; Child GI $10,000"]
["Does AD&D benefit match Life benefit","Yes"]
["Enrollment"]
["Initial / \nOngoing","Within 60 Days after becoming eligible / \nWithin 60 days of the date of a change in Family Status\nEOI is required at Open Enrollment for all Increases"]
["Reductions"]
["Age Reduction Description - ADEA 1, 2 or SSNRA","None"]
["Additional Information"]
["Accelerated Death Benefit (ABO)","Under age 70; 80% to $500,000"]
["Disability Extension","If disabled prior to age 70, coverage may be continued for Employee and Dependents provided the required premium payments are made; until age 70\n\nThis does not apply to AD&D coverage"]
["Portability","Included - Employee and Dependent"]
["Conversion","Included"]
["AD&D"]
["Loss of Life","Included"]
["Schedule of AD&D losses","Included"]
["Seat belt","10% to $10,000"]
["Airbag","5% to $5,000"]
["Repatriation","5% to $5,000"]
["Child Education","5% to $5,000"]
["Day Care","5% to $5,000"]
["Rehabilitation","5% to $5,000"]
["Spouse Education","5% to $5,000"]
["Adaptive Home and Vehicle","5% to $5,000"]
["Exposure & Dissappearance","Included"]
["Other Comments Regarding Plan Design"]
["Deferred Effective Date","Included"]
["Continuity from Prior Policy","Included"]
["Coverage Termination","Your coverage will end on the earliest of the following:\n1) the date The Policy terminates;\n2) the date You are no longer in a class eligible for coverage, or The Policy no longer insures Your class;\n3) the date the premium payment is due but not paid;\n4) the date Your Employer terminates Your employment; or\n5) the date You are no longer Actively at Work;\nunless continued in accordance with any one of the Continuation Provisions.\n\nCoverage for Your Dependent will end on the earliest to occur of:\n1) the date Your coverage ends;\n2) the date the required premium is due but not paid;\n3) the date You are no longer eligible for Dependent coverage;\n4) the date We or the Employer terminate Dependent coverage; or\n5) the date the Dependent no longer meets the definition of Dependent;"]
["Continuation","Leave of Absence:  24 months after month in which leave commenced\nMilitary Leave of Absence:  24 weeks\nLay Off:  Last day of month following month of temporary Lay Off\nFML 12 weeks / 26 weeks\nDependent Children with Disabilities\nSupp Life continues to the end of the month following termination\n"]
["Exclusions","Life Coverage:  Suicide exclusion:   2 years\n\nAD&D Coverage:\n1) intentionally self-inflicted Injury;\n2) suicide or attempted suicide, whether sane or insane;\n3) war or act of war, whether declared or not;\n4) Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or\ninternational authority;\n5) Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines,\nor hallucinogens, unless as prescribed by or administered by a Physician;\n6) Injury sustained while committing or attempting to commit a felony; or\n7) Injury sustained while Intoxicated"]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Voluntary Life Plan - Retirees","index":9,"n_rows":43,"n_cols":3,"rows_kept":43,"merged":[[40,0,40,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Voluntary Life - Retirees"]
[]
[null,"Inforce Plan","Vendor Response"]
["General Information","Voluntary Life","Voluntary Life"]
["Definition of Retiree:","Retiree means a former Active Full-time Employee of the Employer who has attained Retiree status according to the Employer’s retiree eligibility policy."]
["Class Definition ","Class 1 - Retirees under age 65 as of April 1 every year, who have worked 10-19 hours/week;\nClass 2 - Retirees age 65+ as of April 1 every year, who worked 10-19 hours/week,\nClass 3 - Retirees under age 65 as of April 1 every year, who have worked 20-29 hours/week;\nClass 4 - Retirees age 65+ as of April 1 every year, who have worked 20-29 hours/weekx,\nClass 5 - Retirees under age 65 as of April 1 every year, who have worked 30-40 hours/week;\nClass 6 - Retirees age 65+ as of April 1 every year, who have worked 30-40 hours/week;\n prior to date of retirement;"]
["Eligibility Waiting Period","None"]
["Maximums"]
["Life Benefit","Class 1  $ 5,000\nClass 2  $ 2,500\nClass 3  $ 10,000\nClass 4  $ 5,000\nClass 5  Option 1 $10,000; Option 2 .5x to $100,000; Option 3 1x to $100,000\nClass 6  $ 10,000"]
["Reductions"]
["Age Reduction Description - ADEA 1, 2 or SSNRA","None"]
["Additional Information"]
["Accelerated Death Benefit (ABO)","None"]
["Life Disability Provision","None"]
["Life disability provision description","None"]
["Waiting period for waiver of premium","None"]
["Portability","None"]
["Conversion","Included"]
["AD&D"]
["Coverage Matches Basic Life Amount","None"]
["Loss of Life","N/A"]
["Schedule of AD&D losses","N/A"]
["Seat belt","N/A"]
["Airbag","N/A"]
["Repatriation","N/A"]
["Child Education","N/A"]
["Day Care","N/A"]
["Rehabilitation","N/A"]
["Spouse Education","N/A"]
["Adaptive Home and Vehicle","N/A"]
["Exposure & Dissappearance","N/A"]
["Other Comments Regarding Plan Design"]
["Deferred Effective Date","Included"]
["Continuity from Prior Policy","N/A"]
["Coverage Termination","Coverage will end on the earliest of the following:\n1) the date The Policy Terminates;\n2) the date You are no longer in a class eligible for coverage, or the class is cancelled; or\n3) the required premium is due but not paid."]
["Continuation","N/A"]
["Exclusions","N/A"]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Voluntary Life - Retire Propose","index":10,"n_rows":43,"n_cols":3,"rows_kept":43,"merged":[[40,0,40,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Voluntary Life - Retirees"]
[]
[null,"Proposed Plan ","Vendor Response"]
["General Information","Voluntary Life","Voluntary Life"]
["Definition of Retiree:","Retiree means a former Active Full-time Employee of the Employer who has attained Retiree status according to the Employer’s retiree eligibility policy, which states retiree is beneift eligible.\n\n"]
["Class Definition "," Retirees under age 65 \nRetirees age 65+"]
["Eligibility Waiting Period","None"]
["Maximums"]
["Life Benefit","< 65:  Choice of $25K, $50K, $75K, $100K, not to exceed coverage amount inforce as active employee\n> 65 Flat $5K and $10K "]
["Reductions"]
["Age Reduction Description - ADEA 1, 2 or SSNRA","None"]
["Additional Information"]
["Accelerated Death Benefit (ABO)","None"]
["Life Disability Provision","None"]
["Life disability provision description","None"]
["Waiting period for waiver of premium","None"]
["Portability","None"]
["Conversion","Included"]
["AD&D"]
["Coverage Matches Basic Life Amount","None"]
["Loss of Life","N/A"]
["Schedule of AD&D losses","N/A"]
["Seat belt","N/A"]
["Airbag","N/A"]
["Repatriation","N/A"]
["Child Education","N/A"]
["Day Care","N/A"]
["Rehabilitation","N/A"]
["Spouse Education","N/A"]
["Adaptive Home and Vehicle","N/A"]
["Exposure & Dissappearance","N/A"]
["Other Comments Regarding Plan Design"]
["Deferred Effective Date","Included"]
["Continuity from Prior Policy","N/A"]
["Coverage Termination","Coverage will end on the earliest of the following:\n1) the date The Policy Terminates;\n2) the date You are no longer in a class eligible for coverage, or the class is cancelled; or\n3) the required premium is due but not paid."]
["Continuation","N/A"]
["Exclusions","N/A"]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Life Financials","index":11,"n_rows":146,"n_cols":8,"rows_kept":146,"merged":[[5,1,5,3],[23,1,23,3],[40,1,40,3],[54,1,54,3],[79,1,79,5],[79,6,79,7],[105,1,105,3],[119,1,119,3],[135,0,135,1],[137,0,137,1],[138,0,138,1],[139,0,139,1],[140,0,140,1],[141,0,141,1],[143,0,143,1],[144,0,144,1]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",{"$nulls":3},"Insert Offeror Name Here"]
["Basic Life"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Class","Lives","Volumes","Inforce Rate",{"$f":"\"Proposed \" & B4 &  \" Rates\"","v":"Proposed  Rates"}]
["Class I",3726,{"v":398737000,"d":"$398,737,000"},{"v":0.1,"d":"$0.100"}]
["Class II",112,{"v":5386000,"d":"$5,386,000"},{"v":0.1,"d":"$0.100"}]
["Class III",1,{"v":500000,"d":"$500,000"},{"v":0.1,"d":"$0.100"}]
["Class IV",1,{"v":501000,"d":"$501,000"},{"v":0.1,"d":"$0.100"}]
["Retirees",2600,{"v":22288000,"d":"$22,288,000"},{"v":2.322,"d":"$2.322"}]
[]
["Monthly Cost",{"$f":"SUM(B8:B12)","v":6440},{"$f":"SUM(C8:C12)","v":{"v":427412000,"d":"$427,412,000"}},{"$f":"SUMPRODUCT($C$8:$C$12,D8:D12)/1000","v":{"v":92265.136,"d":"$92,265"}},{"$f":"SUMPRODUCT($C$8:$C$12,E8:E12)/1000","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D14*12","v":{"v":1107181.632,"d":"$1,107,182"}},{"$f":"E14*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E15-$D$15","v":{"v":-1107181.632,"d":"-$1,107,182"}}]
["% Change from Current",{"$nulls":3},{"$f":"E15/$D$15-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
[]
["Basic AD&D"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Class","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B22 &  \" Rates\"","v":"Proposed  Rates"}]
["Class I",3726,{"v":398737000,"d":"$398,737,000"},{"v":0.025,"d":"$0.025"}]
["Class II",112,{"v":5386000,"d":"$5,386,000"},{"v":0.025,"d":"$0.025"}]
["Class III",1,{"v":500000,"d":"$500,000"},{"v":0.025,"d":"$0.025"}]
["Class IV",1,{"v":501000,"d":"$501,000"},{"v":0.025,"d":"$0.025"}]
[]
["Monthly Cost",{"$f":"SUM(B26:B29)","v":3840},{"$f":"SUM(C26:C29)","v":{"v":405124000,"d":"$405,124,000"}},{"$f":"SUMPRODUCT($C$26:$C$29,D26:D29)/1000","v":{"v":10128.1,"d":"$10,128"}},{"$f":"SUMPRODUCT($C$26:$C$29,E26:E29)/1000","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D31*12","v":{"v":121537.20000000001,"d":"$121,537"}},{"$f":"E31*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E32-$D$32","v":{"v":-121537.20000000001,"d":"-$121,537"}}]
["% Change from Current",{"$nulls":3},{"$f":"E32/$D$32-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
[]
[" Dependent Life"]
["Rate Basis:  PEPM"]
[null,"Inforce Plan",null,null,"Vendor Response"]
[null,"Lives",null,"Inforce",{"$f":"\"Proposed \" & B39 &  \" Rates\"","v":"Proposed  Rates"}]
["Child",679,null,{"v":0.51,"d":"$0.510"}]
[]
["Monthly Cost",{"$f":"B43","v":679},null,{"$f":"D43*B43","v":{"v":346.29,"d":"$346"}},{"$f":"E43*B43","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D45*12","v":{"v":4155.4800000000005,"d":"$4,155"}},{"$f":"E45*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E46-$D$46","v":{"v":-4155.4800000000005,"d":"-$4,155"}}]
["% Change from Current",{"$nulls":3},{"$f":"E46/$D$46-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
[]
["Spouse Voluntary Life"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Age","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B53 &  \" Rates\"","v":"Proposed  Rates"}]
[]
["<25",1,{"v":5000,"d":"$5,000"},{"v":0.051,"d":"$0.051"}]
["25-29",7,{"v":425000,"d":"$425,000"},{"v":0.043,"d":"$0.043"}]
["30-34",26,{"v":1525000,"d":"$1,525,000"},{"v":0.051,"d":"$0.051"}]
["35-39",69,{"v":5000000,"d":"$5,000,000"},{"v":0.068,"d":"$0.068"}]
["40-44",94,{"v":5865000,"d":"$5,865,000"},{"v":0.111,"d":"$0.111"}]
["45-49",88,{"v":4235000,"d":"$4,235,000"},{"v":0.162,"d":"$0.162"}]
["50-54",89,{"v":3955000,"d":"$3,955,000"},{"v":0.29,"d":"$0.290"}]
["55-59",70,{"v":2955000,"d":"$2,955,000"},{"v":0.478,"d":"$0.478"}]
["60-64",37,{"v":1555000,"d":"$1,555,000"},{"v":0.734,"d":"$0.734"}]
["65-69",17,{"v":465000,"d":"$465,000"},{"v":1.356,"d":"$1.356"}]
["70-74",7,{"v":225000,"d":"$225,000"},{"v":2.244,"d":"$2.244"}]
["75+",1,{"v":10000,"d":"$10,000"},{"v":3.668,"d":"$3.668"}]
[]
["Monthly Cost",{"$f":"SUM(B58:B70)","v":506},{"$f":"SUM(C58:C70)","v":{"v":26220000,"d":"$26,220,000"}},{"$f":"SUMPRODUCT($C$57:$C$69,D57:D69)/1000","v":{"v":6646.32,"d":"$6,646"}},{"$f":"SUMPRODUCT($C$82:$C$94,E57:E69)/1000","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D71*12","v":{"v":79755.84,"d":"$79,756"}},{"$f":"E71*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E72-$F$97","v":{"v":-1210121.3879999998,"d":"-$1,210,121"}}]
["% Change from Current",{"$nulls":3},{"$f":"E72/$F$97-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
["Employee Voluntary Life","Smoker/NonSmoker"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",{"$nulls":4},"Vendor Response"]
["Age","Lives","Smoker Volumes","NonSmoker Volumes","Inforce\nSmoker","Inforce\nNon Smoker","Quoted Smoker","Quoted Non Smoker"]
[]
["<25",17,{"v":0,"d":"$0"},{"v":2921000,"d":"$2,921,000"},{"v":0.048,"d":"$0.048"},{"v":0.037,"d":"$0.037"}]
["25-29",100,{"v":231000,"d":"$231,000"},{"v":14886000,"d":"$14,886,000"},{"v":0.048,"d":"$0.048"},{"v":0.048,"d":"$0.048"}]
["30-34",169,{"v":1570000,"d":"$1,570,000"},{"v":25270000,"d":"$25,270,000"},{"v":0.064,"d":"$0.064"},{"v":0.053,"d":"$0.053"}]
["35-39",238,{"v":1723000,"d":"$1,723,000"},{"v":51520000,"d":"$51,520,000"},{"v":0.085,"d":"$0.085"},{"v":0.069,"d":"$0.069"}]
["40-44",272,{"v":2560000,"d":"$2,560,000"},{"v":59933000,"d":"$59,933,000"},{"v":0.133,"d":"$0.133"},{"v":0.101,"d":"$0.101"}]
["45-49",277,{"v":1219000,"d":"$1,219,000"},{"v":62247000,"d":"$62,247,000"},{"v":0.202,"d":"$0.202"},{"v":0.181,"d":"$0.181"}]
["50-54",261,{"v":1217000,"d":"$1,217,000"},{"v":61417000,"d":"$61,417,000"},{"v":0.346,"d":"$0.346"},{"v":0.298,"d":"$0.298"}]
["55-59",201,{"v":1754000,"d":"$1,754,000"},{"v":37767000,"d":"$37,767,000"},{"v":0.575,"d":"$0.575"},{"v":0.458,"d":"$0.458"}]
["60-64",176,{"v":1750000,"d":"$1,750,000"},{"v":30078000,"d":"$30,078,000"},{"v":0.878,"d":"$0.878"},{"v":0.878,"d":"$0.878"}]
["65-69",62,{"v":46000,"d":"$46,000"},{"v":8707000,"d":"$8,707,000"},{"v":1.692,"d":"$1.692"},{"v":1.421,"d":"$1.421"}]
["70-74",16,{"v":0,"d":"$0"},{"v":2089000,"d":"$2,089,000"},{"v":2.746,"d":"$2.746"},{"v":1.421,"d":"$1.421"}]
["75+",4,{"v":0,"d":"$0"},{"v":322000,"d":"$322,000"},{"v":2.746,"d":"$2.746"},{"v":1.421,"d":"$1.421"}]
[]
["Monthly Cost",{"$f":"SUM(B82:B94)","v":1793},{"$f":"SUM(C82:C94)","v":{"v":12070000,"d":"$12,070,000"}},{"$f":"SUM(D82:D94)","v":{"v":357157000,"d":"$357,157,000"}},{"$f":"SUMPRODUCT($C$82:$C$94,E82:E94)/1000","v":{"v":3888.705,"d":"$3,888.71"}},{"$f":"SUMPRODUCT($D$82:$D$94,F82:F94)/1000","v":{"v":100843.449,"d":"$100,843.45"}},{"$f":"SUMPRODUCT($C$82:$C$94,G82:G94)/1000","v":{"v":0,"d":"$0.00"}},{"$f":"SUMPRODUCT($D$82:$D$94,H82:H94)/1000","v":{"v":0,"d":"$0.00"}}]
["Annual Cost",{"$nulls":3},{"$f":"E96*12","v":{"v":46664.46,"d":"$46,664"}},{"$f":"F96*12","v":{"v":1210121.3879999998,"d":"$1,210,121"}},{"$f":"G96*12","v":{"v":0,"d":"$0"}},{"$f":"H96*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":5},{"$f":"G97-$F$97","v":{"v":-1210121.3879999998,"d":"-$1,210,121"}},{"$f":"H97-$F$97","v":{"v":-1210121.3879999998,"d":"-$1,210,121"}}]
["% Change from Current",{"$nulls":5},{"$f":"G97/$F$97-1","v":{"v":-1,"d":"-100.0%"}},{"$f":"H97/$F$97-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
[]
["Retiree Voluntary Life"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Age","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B104 &  \" Rates\"","v":"Proposed  Rates"}]
["Retiree Voluntary Life",613,{"v":15528000,"d":"$15,528,000"},{"v":1.8,"d":"$1.800"}]
[]
["Monthly Cost",{"$f":"SUM(B108:B108)","v":613},{"$f":"SUM(C108:C108)","v":{"v":15528000,"d":"$15,528,000"}},{"$f":"D108/1000*C108","v":{"v":27950.399999999998,"d":"$27,950"}},{"$f":"E108/1000*C108","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D110*12","v":{"v":335404.8,"d":"$335,405"}},{"$f":"E110*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E111-$F$97","v":{"v":-1210121.3879999998,"d":"-$1,210,121"}}]
["% Change from Current",{"$nulls":3},{"$f":"E111/$F$97-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
[]
["Voluntary AD&D"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",null,null,"Vendor Response"]
[null,"Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B118 &  \" Rates\"","v":"Proposed  Rates"}]
["Employees",1792,{"v":369227000,"d":"$369,227,000"},{"v":0.025,"d":"$0.025"}]
["Dependents",1185,{"v":33010000,"d":"$33,010,000"},{"v":0.025,"d":"$0.025"}]
[]
[]
["Monthly Cost",{"$f":"SUM(B124:B124)","v":0},{"$f":"SUM(C124:C124)","v":{"v":0,"d":"$0"}},{"$f":"SUMPRODUCT($C$122:$C$124,D122:D124)/1000","v":{"v":10055.925,"d":"$10,056"}},{"$f":"SUMPRODUCT($C$122:$C$124,E122:E124)/1000","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D126*12","v":{"v":120671.09999999999,"d":"$120,671"}},{"$f":"E126*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E127-$D$127","v":{"v":-120671.09999999999,"d":"-$120,671"}}]
["% Change from Current",{"$nulls":3},{"$f":"E127/$D$127-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
[]
["All Life/AD&D Products",{"$nulls":3},"Vendor Response"]
["Rate Information"]
["Rate Guarantee End Date "]
[]
["Describe underlying rate assumptions:"]
["a) Minimum enrollment assumptions:"]
["b) Minimum employer contribution levels"]
["c) Enrollment deviations +/- 15%:"]
["d) Multi-line Discount"]
[]
["Rate Caveats"]
["Confirm Rates Include Requested Commission"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Life Financials Proposed","index":12,"n_rows":44,"n_cols":5,"rows_kept":44,"merged":[[5,1,5,3],[19,1,19,3],[33,0,33,1],[35,0,35,1],[36,0,36,1],[37,0,37,1],[38,0,38,1],[39,0,39,1],[41,0,41,1],[42,0,42,1]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",{"$nulls":3},"Insert Offeror Name Here"]
["Basic Life"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Class","Lives","Volumes","Inforce Rate",{"$f":"\"Proposed \" & B4 &  \" Rates\"","v":"Proposed  Rates"}]
["Retirees",2600,{"$f":"B8*15000","v":{"v":39000000,"d":"$39,000,000"}},"NA"]
[]
["Monthly Cost",{"$f":"SUM(B8:B8)","v":2600},{"$f":"SUM(C8:C8)","v":{"v":39000000,"d":"$39,000,000"}},{"$f":"SUMPRODUCT($C$8:$C$8,D8:D8)/1000","v":{"v":0,"d":"$0"}},{"$f":"E8/1000*C8","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D10*12","v":{"v":0,"d":"$0"}},{"$f":"E10*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E11-$D$11","v":{"v":0,"d":"$0"}}]
["% Change from Current",{"$nulls":3},{"$f":"E11/$D$11-1","v":{"$error":"#DIV/0!"}}]
[]
[]
[]
["Retiree Voluntary Life"]
["Rate Basis:  Per $1,000"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Age","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B18 &  \" Rates\"","v":"Proposed  Rates"}]
["Retiree Voluntary Life",613,{"v":16230000,"d":"$16,230,000"},"NA"]
[]
["Monthly Cost",{"$f":"SUM(B22:B22)","v":613},{"v":15955000,"d":"$15,955,000"},{"v":0,"d":"$0"},{"$f":"E22/1000*C22","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"v":0,"d":"$0"},{"$f":"E24*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"v":0,"d":"$0"}]
["% Change from Current",{"$nulls":3},{"v":0,"d":"0.0%"}]
[]
[]
[]
["All Life/AD&D Products",{"$nulls":3},"Vendor Response"]
["Rate Information"]
["Rate Guarantee End Date "]
[]
["Describe underlying rate assumptions:"]
["a) Minimum enrollment assumptions:"]
["b) Minimum employer contribution levels"]
["c) Enrollment deviations +/- 15%:"]
["d) Multi-line Discount"]
[]
["Rate Caveats"]
["Confirm Rates Include Requested Commission"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"LTD Plan","index":13,"n_rows":46,"n_cols":4,"rows_kept":46,"merged":[[43,0,43,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Long Term Disability"]
[]
[null,"Inforce Plan","Vendor Response"]
["General Information","LTD","LTD"]
["Employer Contribution (Base or Core)","Contributory for Employees"]
["Pre-tax, Post-tax for contributory coverages","Post"]
["Class I"]
["Class Definition","All Full-time and Part-time Active Employees work; excluding temporary, leased or seasonal employees\nFull Time working 30+ hrs/wk; \nPart Time 10+ hrs/wk"]
["Eligibility Waiting Period","None"]
["Earnings Definition","Regular annual rate of pay excluding commissions, bonuses, etc",null," "]
["Elimination Period","365 Days\nIf at the end of the Elimination Period, You are prevented from performing one or more of the Essential Duties of Your Occupation, but Your Current Monthly Earnings are equal to or greater than 80% of Your Pre-disability Earnings, Your\nElimination Period will be extended for a total period of 12 months from the original date of Disability, or until such time as Your Current Monthly Earnings are less than 80% of Your Pre-disability Earnings, whichever occurs first. For the\npurposes of extending Your Elimination Period, Your Current Monthly Earnings will not include the pay You could have received for another job or a modified job if such job was offered to You by Your Employer, or another employer, and You\nrefused the offer.\n\nSal-Con plan in place managed by Client during EP"]
["Basic Benefit % ",{"v":0.6,"d":"60.00%"}]
["Basic Max Benefit ",{"v":10000,"d":"$10,000"}]
["Min Mo Benefit","$100 / 10%"]
["Own Occupation","2 years and earnings are less than 80% of pre-disability earnings"]
["Additional Information"]
["Benefit Duration","Normal Retirement Age"]
[" Residual during elimination period","Included"]
["COLA","Not Included"]
["Social Security Offsets","Family"]
["Arlington County retirement system Offsets","Included"]
["Survivor Benefit","3x"]
["Individual Conversion Available","Not Included"]
["Recurrent Disability","Less than 1/2 the number of days of EP"]
["Return to work Incentive","Disabled and working after EP, Earnings not offset unless they exceed 100% of pre-disaability earnings"]
["Limitations"]
["Pre-Ex Provision ","Exclusion 3/12"]
["Mental Illness Limitation","24 Mo Limitation;\nmental disorder as listed in the current version of the Diagnostic and Statistical Manual of Mental Disorders, published by the American Psychiatric Association"]
["Alcohol and Substance Abuse Limitation","24 Mo Limitation"]
["Self-reported Symptoms","No Limitation"]
["Other Comments Regarding Plan Design"]
["EAP","Not Included"]
["Family Care Credit","Included"]
["Workplace Modification","Included"]
["Enrollment period","60 days"]
["Deferred Effective Date","Included"]
["Termination of Payment","Benefit payments will stop on the earliest of:\n1) the date You are no longer Disabled;\n2) the date You fail to furnish Proof of Loss;\n3) the date You are no longer under the Regular Care of a Physician;\n4) the date You refuse Our request that You submit to an examination by a Physician or other qualified medical professional;\n5) the date of Your death;\n6) the date You refuse to receive recommended treatment that is generally acknowledged by Physicians to cure, correct or limit the disabling condition;\n7) the last day benefits are payable according to the Maximum Duration of Benefits Table;\n8) the date Your Current Monthly Earnings:\na) are equal to or greater than 80% of Your Indexed Pre-disability Earnings if You are receiving benefits for being Disabled from Your Occupation; or\nb) are greater than the lesser of the product of Your Indexed Pre-disability Earnings and the Benefit Percentage or the Maximum Monthly Benefit if You are receiving benefits for being Disabled from Any Occupation;\n9) the date no further benefits are payable under any provision in The Policy that limits benefit duration; or\n10) the date You refuse to participate in a Rehabilitation program, or refuse to cooperate with or try:\na) modifications made to the work site or job process to accommodate Your identified medical limitations to enable You to perform the Essential Duties of Your Occupation;\nb) adaptive equipment or devices designed to accommodate Your identified medical limitations to enable You to perform the Essential Duties of Your Occupation;"]
["Termination of Coverage","Your coverage will end on the earliest of the following:\n1) the end of the month following the date The Policy terminates;\n2) the end of the month following the date The Policy no longer insures Your class;\n3) the end of the month following the date premium payment is due but not paid, subject to the Grace Period;\n4) the last day of the period for which You make any required premium contribution, subject to the Grace Period;\n5) the end of the month following the date Your Employer terminates Your employment; or\n6) the end of the month following the date You cease to be a Full-time or Part-time Active Employee in an eligible class for any reason; \nunless continued in accordance with any of the Continuation Provisions."]
["Continuation","Leave of Absence:  Last day of month following month in which the leave commenced\nMilitary Leave of Absence:  12 weeks\nLay Off:  Last day of month following month of temporary Lay Off\nFML:  up to 12 weeks, or 26 weeks if qualified for Family Military Leave"]
["Exclusions","The Policy does not cover, and We will not pay a benefit for, any Disability:\n1) unless You are under the Regular Care of a Physician;\n2) that is caused or contributed to by war or act of war, whether declared or not;\n3) caused by Your commission of or attempt to commit a felony;\n4) caused or contributed to by Your being engaged in an illegal occupation; or\n5) caused or contributed to by an intentionally self-inflicted injury."]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"LTD Plan Proposed","index":14,"n_rows":48,"n_cols":3,"rows_kept":48,"merged":[[44,0,44,2]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",null,"Insert Offeror Name Here"]
["Plan Provisions:","Long Term Disability"]
[]
[null,"Proposed Plan","Vendor Response"]
["General Information","LTD","LTD"]
["Employer Contribution (Base or Core)","Core plan  options Employer Paid / Buy-Up Employee Paid"]
["Pre-tax, Post-tax for contributory coverages","Pre tax Core / Post tax Buy-up"]
["Class I"]
["Class Definition","All Full-time and Part-time Active Employees work; excluding temporary, leased or seasonal employees\nFull Time working 30+ hrs/wk; \nPart Time 10+ hrs/wk"]
["Eligibility Waiting Period","None"]
["Earnings Definition","Regular monthly rate of pay excluding commissions, bonuses, etc"]
["Elimination Period","90 days"]
["Option 1:","50% Core plan; 60% Buy-up plan"]
["Option 2","ER Paid 60% Core plan; No Buy-up plan"]
["Min Mo Benefit","$100 / 10%"]
["Own Occupation","12 Month Own Occ"]
["Additional Information"]
["Option 1 Benefit Duration","Core Plan 5 years; Buy-up Plan Age 65 Duration"]
["Option 2 Benefit Duration","5 year duration"]
[" Residual during elimination period","Included"]
["COLA","Not Included"]
["Social Security Offsets","Family"]
["Arlington County retirement system Offsets","Included"]
["Survivor Benefit","3x"]
["Individual Conversion Available","Not Included"]
["Recurrent Disability","Less than 1/2 the number of days of EP"]
["Return to work Incentive","Disabled and working after EP, Earnings not offset unless they exceed 100% of pre-disaability earnings"]
["Limitations"]
["Pre-Ex Provision ","Exclusion 3/12"]
["Mental Illness Limitation","24 Mo Limitation;\nmental disorder as listed in the current version of the Diagnostic and Statistical Manual of Mental Disorders, published by the American Psychiatric Association"]
["Alcohol and Substance Abuse Limitation","24 Mo Limitation"]
["Self-reported Symptoms","No Limitation"]
["Other Comments Regarding Plan Design"]
["EAP","Not Included"]
["Family Care Credit","Included"]
["Workplace Modification","Included"]
["Enrollment period","60 days"]
["Deferred Effective Date","Included"]
["Termination of Payment","Benefit payments will stop on the earliest of:\n1) the date You are no longer Disabled;\n2) the date You fail to furnish Proof of Loss;\n3) the date You are no longer under the Regular Care of a Physician;\n4) the date You refuse Our request that You submit to an examination by a Physician or other qualified medical professional;\n5) the date of Your death;\n6) the date You refuse to receive recommended treatment that is generally acknowledged by Physicians to cure, correct or limit the disabling condition;\n7) the last day benefits are payable according to the Maximum Duration of Benefits Table;\n8) the date Your Current Monthly Earnings:\na) are equal to or greater than 80% of Your Indexed Pre-disability Earnings if You are receiving benefits for being Disabled from Your Occupation; or\nb) are greater than the lesser of the product of Your Indexed Pre-disability Earnings and the Benefit Percentage or the Maximum Monthly Benefit if You are receiving benefits for being Disabled from Any Occupation;\n9) the date no further benefits are payable under any provision in The Policy that limits benefit duration; or\n10) the date You refuse to participate in a Rehabilitation program, or refuse to cooperate with or try:\na) modifications made to the work site or job process to accommodate Your identified medical limitations to enable You to perform the Essential Duties of Your Occupation;\nb) adaptive equipment or devices designed to accommodate Your identified medical limitations to enable You to perform the Essential Duties of Your Occupation;"]
["Termination of Coverage","Your coverage will end on the earliest of the following:\n1) the end of the month following the date The Policy terminates;\n2) the end of the month following the date The Policy no longer insures Your class;\n3) the end of the month following the date premium payment is due but not paid, subject to the Grace Period;\n4) the last day of the period for which You make any required premium contribution, subject to the Grace Period;\n5) the end of the month following the date Your Employer terminates Your employment; or\n6) the end of the month following the date You cease to be a Full-time or Part-time Active Employee in an eligible class for any reason; \nunless continued in accordance with any of the Continuation Provisions."]
["Continuation","Leave of Absence:  Last day of month following month in which the leave commenced\nMilitary Leave of Absence:  12 weeks\nLay Off:  Last day of month following month of temporary Lay Off\nFML:  up to 12 weeks, or 26 weeks if qualified for Family Military Leave"]
["Exclusions","The Policy does not cover, and We will not pay a benefit for, any Disability:\n1) unless You are under the Regular Care of a Physician;\n2) that is caused or contributed to by war or act of war, whether declared or not;\n3) caused by Your commission of or attempt to commit a felony;\n4) caused or contributed to by Your being engaged in an illegal occupation; or\n5) caused or contributed to by an intentionally self-inflicted injury."]
["Benefits shown above are a summary; Vendor agrees to match language (Intent thereof) included in the plan documents provided"]
[null,"Confirmation"]
[]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"LTD Financials","index":15,"n_rows":41,"n_cols":5,"rows_kept":41,"merged":[[5,1,5,3],[30,0,30,1],[32,0,32,1],[33,0,33,1],[34,0,34,1],[35,0,35,1],[36,0,36,1],[38,0,38,1],[39,0,39,1]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",{"$nulls":3},"Insert Offeror Name Here"]
["Inforce Voluntary LTD"]
["Rate Basis:  Per $100 Monthly Covered Payroll"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Age","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B4 &  \" Rates\"","v":"Proposed  Rates"}]
[]
["<25",15,{"v":75387.32500000001,"d":"$75,387"},{"v":0.089,"d":"$0.089"}]
["25-29",62,{"v":343288.07499999984,"d":"$343,288"},{"v":0.107,"d":"$0.107"}]
["30-34",104,{"v":619839.4583333334,"d":"$619,839"},{"v":0.168,"d":"$0.168"}]
["35-39",110,{"v":763532.4233333332,"d":"$763,532"},{"v":0.294,"d":"$0.294"}]
["40-44",104,{"v":809349.6833333333,"d":"$809,350"},{"v":0.449,"d":"$0.449"}]
["45-49",108,{"v":861435.6999999997,"d":"$861,436"},{"v":0.673,"d":"$0.673"}]
["50-54",96,{"v":765887.0000000001,"d":"$765,887"},{"v":0.849,"d":"$0.849"}]
["55-59",67,{"v":537752.3083333336,"d":"$537,752"},{"v":0.987,"d":"$0.987"}]
["60-64",66,{"v":566932.98,"d":"$566,933"},{"v":0.888,"d":"$0.888"}]
["65-69",20,{"v":157635.19999999998,"d":"$157,635"},{"v":0.694,"d":"$0.694"}]
["70-74",2,{"v":14929.2,"d":"$14,929"},{"v":0.694,"d":"$0.694"}]
["75+",1,{"v":7590.266666666666,"d":"$7,590"},{"v":0.694,"d":"$0.694"}]
[]
["Monthly Cost",{"$f":"SUM(B8:B20)","v":755},{"$f":"SUM(C8:C20)","v":{"v":5523559.62,"d":"$5,523,560"}},{"$f":"SUMPRODUCT($C$8:$C$20,D8:D20)/100","v":{"v":31246.60507558334,"d":"$31,247"}},{"$f":"SUMPRODUCT($C$8:$C$20,E8:E20)/100","v":{"v":0,"d":"$0"}}]
["Annual Cost",null,null,{"$f":"D22*12","v":{"v":374959.26090700005,"d":"$374,959"}},{"$f":"E22*12","v":{"v":0,"d":"$0"}}]
[]
["Amount Changed from Current",{"$nulls":3},{"$f":"E23-$D$23","v":{"v":-374959.26090700005,"d":"-$374,959"}}]
["% Change from Current",{"$nulls":3},{"$f":"E23/$D$23-1","v":{"v":-1,"d":"-100.0%"}}]
[]
[]
[{"$nulls":4},"Vendor Response"]
["Rate Information"]
["Rate Guarantee End Date "]
[]
["Describe underlying rate assumptions:"]
["a) Minimum enrollment assumptions:"]
["b) Minimum employer contribution levels"]
["c) Enrollment deviations +/- 15%:"]
["d) Multi-line Discount"]
[]
["Rate Caveats"]
["Confirm Rates Include Requested Commission"]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"LTD Financials Proposed","index":16,"n_rows":68,"n_cols":5,"rows_kept":68,"merged":[[6,1,6,3],[18,1,18,3],[42,1,42,3],[56,0,56,1],[58,0,58,1],[59,0,59,1],[60,0,60,1],[61,0,61,1],[62,0,62,1],[64,0,64,1],[65,0,65,1]]}
[]
[]
["ARLINGTON COUNTY GOVERNMENT, VA",{"$nulls":3},"Insert Offeror Name Here"]
[]
["Proposed LTD Core Plan - Option 1 50%"]
["Rate Basis:  Per $100 Monthly Covered Payroll"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Class","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B5 &  \" Rates\"","v":"Proposed  Rates"}]
["All Employees",3840,{"v":27691509.583533533,"d":"$27,691,510"},"NA"]
[]
[]
[]
[]
["Monthly Cost",{"$f":"SUM(B9:B12)","v":3840},{"$f":"SUM(C9:C12)","v":{"v":27691509.583533533,"d":"$27,691,510"}},null,{"$f":"SUMPRODUCT($C$9:$C$12,E9:E12)/100","v":{"v":0,"d":"$0"}}]
["Annual Cost",{"$nulls":3},{"$f":"E14*12","v":{"v":0,"d":"$0"}}]
[]
["Proposed Buy-up LTD - Option 1 60% - 20% participation assumption"]
["Rate Basis:  Per $100 Monthly Covered Payroll - Volume from 1st Dollar"]
[null,"Inforce Plan",null,null,"Vendor Response"]
["Age","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B17 &  \" Rates\"","v":"Proposed  Rates"}]
[]
["<25",17,{"v":82716.6666666667,"d":"$82,717"},"n/a"]
["25-29",61.2,{"v":327033.33333333273,"d":"$327,033"},"n/a"]
["30-34",92.80000000000001,{"v":548016.6666666673,"d":"$548,017"},"n/a"]
["35-39",107.4,{"v":740383.3333333331,"d":"$740,383"},"n/a"]
["40-44",108.4,{"v":808333.3333333336,"d":"$808,333"},"n/a"]
["45-49",96.2,{"v":775133.3333333337,"d":"$775,133"},"n/a"]
["50-54",96.4,{"v":781616.666666667,"d":"$781,617"},"n/a"]
["55-59",77,{"v":603083.3333333336,"d":"$603,083"},"n/a"]
["60-64",64,{"v":517166.6666666671,"d":"$517,167"},"n/a"]
["65-69",35,{"v":271133.3333333333,"d":"$271,133"},"n/a"]
["70-74",9,{"v":57533.333333333314,"d":"$57,533"},"n/a"]
["75+",3.6,{"v":26366.66666666667,"d":"$26,367"},"n/a"]
[]
["Monthly Cost",{"$f":"SUM(B21:B33)","v":768},{"$f":"SUM(C21:C33)","v":{"v":5538516.666666668,"d":"$5,538,517"}},null,{"$f":"SUMPRODUCT(#REF!,E21:E33)/100","v":{"$error":"#REF!"}}]
["Annual Cost",{"$nulls":3},{"$f":"E35*12","v":{"$error":"#REF!"}}]
[]
["Total Annual Cost Proposed Option 1",{"$nulls":3},{"$f":"E36+E15","v":{"$error":"#REF!"}}]
[]
[]
["Proposed LTD Plan - Option 2 60%"]
["Rate Basis:  Per $100 Monthly Covered Payroll"]
[null,"Proposed Plan",null,null,"Vendor Response"]
["Class","Lives","Volumes","Inforce",{"$f":"\"Proposed \" & B41 &  \" Rates\"","v":"Proposed  Rates"}]
["All Employees",3840,{"v":27692583.333333448,"d":"$27,692,583"},"NA"]
[]
[]
[]
[]
["Monthly Cost",{"$f":"SUM(B45:B48)","v":3840},{"$f":"SUM(C45:C48)","v":{"v":27692583.333333448,"d":"$27,692,583"}},null,{"$f":"SUMPRODUCT($C$9:$C$12,E45:E48)/100","v":{"v":0,"d":"$0"}}]
["Annual Cost",{"$nulls":3},{"$f":"E50*12","v":{"v":0,"d":"$0"}}]
[]
[]
[]
[{"$nulls":4},"Vendor Response"]
["Rate Information"]
["Rate Guarantee End Date "]
[]
["Describe underlying rate assumptions:"]
["a) Minimum enrollment assumptions:"]
["b) Minimum employer contribution levels"]
["c) Enrollment deviations +/- 15%:"]
["d) Multi-line Discount"]
[]
["Rate Caveats"]
["Confirm Rates Include Requested Commission"]
[]
["Note: Information provided in this RFP will be shared with an external consultant that is assisting with the evaluation."]

{"sheet":"Sheet1","index":17,"n_rows":4,"n_cols":2,"rows_kept":4,"hidden":true}
[]
[]
[null,"Agree"]
[null,"Disagree"]