{"text_format":"3","workbook":"xls","n_sheets":4,"sheets":["Basic EE Life & ADD","Basic Dependent Life","Supp Life","LTD"],"not_rendered":{"external_links":1,"defined_names":4},"read":"whole","date_system":"1900","formulas":"cached_only"}

{"sheet":"Basic EE Life & ADD","index":0,"n_rows":95,"n_cols":3,"rows_kept":95,"merged":[[89,1,89,2]],"flags":["formulas_cached_only"]}
["Submission Form 3.1"]
["Basic Life and AD&D"]
["BENEFIT PROVISION","Current (The Hartford)","Vendor Reponse"]
["Benefit Class","All FT employees working 30+ hours/week and the City Judge\nReg. "]
["Waiting Period","60 days of employment with EEs eligible on the first of the month coincident with or following 60 days of employment."]
["Coverage Effective Date","The day the EE is eligible - 1st of the month coincident with or following 60 days of employment."]
["Coverage Termination Date","Date of termination"]
["Benefit",{"v":50000,"d":"$50,000"}]
["Occupational Death Benefit (Police or Fire Dept Only)","1 Times Annual Earnings to Maximum of $25,000"]
["Annual Basic Earnings Definition","Not applicable"]
["Accelerated Death Benefit","In the event that employee or dependent is diagnosed as terminally ill, he/she may access life benefit. Minimum benefit of $3,000 to Maximum of $500,000, Not to exceed 100% of benefit amount."]
["Definition on Terminally Ill","Life expectancy of 12 months or less"]
["Age Reductions"]
["At age  70","Reduces to 65% of original amount"]
["At age 75","Reduces to 50% of original amount"]
["Reduction change occurs when?","Next pay period following insured's 70th and 75th birthday."]
["Other Provisions"]
["Waiver of Premium","1) be covered under The Policy and be under age 70 when you become Disabled;\n2) be Disabled and provide Proof of Loss that You have been Disabled for 3 consecutive months, starting on the\ndate You were last Actively at Work or provide proof that You have been diagnosed with a life expectancy of 12\nmonths or less; and\n3) provide such proof within one year of Your last day of work as an Active Employee.\nIn any event, You must have been Actively at Work under The Policy to qualify for Waiver of Premium."]
["Waiver of Premium applies to:","EE Basic Life and Dep Basic Life"]
["WOP Definition of Disability","1) Be covered under The Policy and be under age 70 when you become Disabled;\n2) be Disabled and provide Proof of Loss that You have been Disabled for 3 consecutive months, starting on the\ndate You were last Actively at Work or provide proof that You have been diagnosed with a life expectancy of 12\nmonths or less; and\n3) provide such proof within one year of Your last day of work as an Active Employee."]
["Benefit if EE dies before approved for Waiver of Premium?","If Employee or Dependent die within one year of the disability -  Amount of Life Insurance which is in force for the deceased person provided:\n1) EE was continuously Disabled;\n2) the Disability lasted or would have lasted 3 months or more; and\n3) premiums had been paid for coverage."]
["Portability, including any limitations like EOI and length of current policy","Portability is a provision which allows You and Your Dependents to continue coverage under a group Portability policy\nwhen coverage would otherwise end due to certain Qualifying Events. Portability applies to Basic Life Insurance,\nSupplemental Life Insurance, Basic Dependent Life Insurance and Supplemental Dependent Life Insurance coverages only. Application and applicable premium must be submitted within 31 days after insurance terminates, or 15 days from the date your Employer signs the application, whichever is later; however, Portability requests will not be accepted if they are received more than 91 days after insurance terminates. You may elect 50%, 75% or 100% of the Life insurance amount. This amount may not exceed $250,000 for employees, $50,000 for spouse, $10,000 for dependent child(ren). "]
["Conversion, including any limitations like EOI and length of current policy","Yes, but Conversion is not available for:\n1) the Accidental Death and Dismemberment Benefits; or\n2) any Amount of Life Insurance for which You or Your Dependents were not eligible and covered; under The Policy.\nYou or your Dependent must have been insured under the policy for 5 years or more in order to be able to convert coverage. Application and applicable premium must be submitted within 31 days after insurance terminates, or 15 days from the date your Employer signs the application, whichever is later; however, Portability requests will not be accepted if they are received more than 91 days after insurance terminates."]
["Life Exclusions","1) 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."]
["AD&D BENEFIT","Same as Basic Life"]
["Loss of Life","Principal Sum"]
["Loss of both hands or both feet or sight of both eyes","Principal Sum"]
["Loss of sight of both eyes","Principal Sum"]
["Loss of one hand or one foot","Principal Sum"]
["Loss of speech and hearing (in both ears)","Principal Sum"]
["Loss of one hand and one foot","Principal Sum"]
["Loss of one hand or one foot and the sight of one eye","Principal Sum"]
["Quadriplegia - loss of movement of both upper and lower limbs","Principal Sum"]
["Paraplegia - loss of movement of both lower limbs","75% of Princial Sum"]
["Triplegia - loss of movement of three limbs","75% of Princial Sum"]
["Loss of a hand","50% of the Principal Sum"]
["Loss of a foot","50% of the Principal Sum"]
["Loss of sight of one eye","50% of the Principal Sum"]
["Loss of speech or hearing in both ears","50% of the Principal Sum"]
["Loss of four fingers of same hand","Not a benefit"]
["Hemiplegia - loss of movement of both upper and lower limbs on one side of  the body","50% of the Principal Sum"]
["Loss of thumb and index finger on same hand","25% of the Principal Sum"]
["Loss of thumb and index finger on either hand","25% of the Principal Sum"]
["Loss of all toes of the same foot","Not a benefit"]
["Uniplegia - loss of movement of one limb","25% of the Principal Sum"]
["Coma"]
["Monthly Benefit","1% of the coma maximum benefit amount for each month after waiting period "]
["Number of monthly benefits","Paid until payment equals coma maximum benefit amount"]
["When payable","Waiting period 30 days"]
["Other Benefits"]
["Seat Belt Benefit","10% to Maximum of $10,000. Minimum of $1,000."]
["Air Bag Benefit","5% to Maximum of $5,000"]
["Felonious Assault Benefit","10% to Maximum of $10,000"]
["Child Education Benefit","5% to Maximum of $5,000\nMinimum $1,250"]
["Day Care Benefit","5% to Maximum of $5,000\nMinimum $1,250"]
["Rehabilitation Benefit","5% to Maximum of $5,000"]
["Spouse Education Benefit","5% to Maximum of $5,000\nMinimum $1,250"]
["Critical Burn Benefit","5% to Maximum of $5,000"]
["Therapeutic Counseling Benefit","5% to Maximum of $5,000"]
["Bulletproof vest benefit","Not a benefit"]
["Home alteration and vehicle modification benefit","5% to Maximum of $10,000"]
["Repatriation","5% to Maximum of $5,000"]
["AD&D Exclusions"]
["Sickness","N/A"]
["Disease","N/A"]
["Infection","N/A"]
["War or Act of War","Excluded; whether declared or not"]
["Felony","Excluded; Injury sustained while committing or attempting to commit a felony"]
["Riot","N/A"]
["Injury while in the armed services","Excluded; Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or\ninternational authority;"]
["Owned or leased aircraft","N/A"]
["Aircraft","N/A"]
["Self inflicted Injury, Suicide, or Attempted Suicide","Excluded; whether sane or insane"]
["Non-prescribed drugs","Excluded; 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"]
["Intoxication","Excluded ; Injury sustained while Intoxicated"]
["LEAVE PROVISIONS","See RFP Section III"]
["Termination of employment or loss of eligibility","Coverage terminates on the day in which employment ends or eligibility for benefits is lost."]
["Layoff","See RFP Section III"]
["FMLA Leave","See RFP Section III"]
["Non-FMLA Medical Leave","See RFP Section III"]
["Non-Medical Leave of Absence","See RFP Section III"]
["Rehire Provision","If an EE quits or is terminated, he/she cannot be re-hired for 30-days.  Upon rehire, the EE must meet a new elimination period.  "]
["Return from Paid Leave","An EE who returns from a paid leave - sick pay, vacation pay or worker's comp pay, within 2 years of the date he/she left, will not be required to meet a new waiting period.  See RFP Section III for rehire provision for Ees who have been laid off."]
["RATES AND TERMS"]
["Contributions","100% Employer Paid"]
["# Eligible Employees",{"v":1471,"d":"1,471"}]
["Life Rate/$1,000",{"v":0.115,"d":"$0.115"}]
["AD&D Rate/$1,000",{"v":0.03,"d":"$0.03"}]
["Total Rate Per $1000 ",{"v":0.14500000000000002,"d":"$0.145"}]
["Current Volume",{"v":73235000,"d":"$73,235,000"}]
["Expected Monthly Cost",{"v":10619.075,"d":"$10,619"}]
["Annual Cost",{"v":127428.90000000001,"d":"$127,428.90"}]
["+ / - to current Cost"]
["+ / - to Minnesota Life"]
["Rate Guarantee"]

{"sheet":"Basic Dependent Life","index":1,"n_rows":36,"n_cols":3,"rows_kept":36,"merged":[[33,1,33,2]],"flags":["formulas_cached_only"]}
["Submission Form 3.2"]
["Basic Dependent Life"]
["BENEFIT PROVISION","Current (The Hartford)","Vendor Response"]
["Benefit Class","All FT employees working 30+ hours/week and the City Judge\nReg. "]
["Waiting Period","60 days of employment with EEs eligible on the first of the month coincident with or following 60 days of employment."]
["Coverage Effective Date","The day the EE is eligible - 1st of the month coincident with or following 60 days of employment."]
["Coverage Termination Date","Date of termination"]
["Benefit"]
["Spouse",{"v":1000,"d":"$1,000"}]
["Dependents Only","Live birth to 6 months: $100\n6 months to Age 26: $1,000"]
["Spouse and Dependents"]
["Age Reductions"]
["At age  70","Reduces to 65% of original amount"]
["At age 75","Reduces to 50% of original amount"]
["Reduction change occurs when?","Next pay period following insured's 70th and 75th birthday."]
["Other Provisions"]
["Waiver of Premium","If EE is granted WOP, basic dependent life premium is waived as well."]
["Portability, including any limitations like EOI and length of current policy","Portability is a provision which allows You and Your Dependents to continue coverage under a group Portability policy\nwhen coverage would otherwise end due to certain Qualifying Events. Portability applies to Basic Life Insurance,\nSupplemental Life Insurance, Basic Dependent Life Insurance and Supplemental Dependent Life Insurance coverages only. Application and applicable premium must be submitted within 31 days after insurance terminates, or 15 days from the date your Employer signs the application, whichever is later; however, Portability requests will not be accepted if they are received more than 91 days after insurance terminates. You may elect 50%, 75% or 100% of the Life insurance amount. This amount may not exceed $250,000 for employees, $50,000 for spouse, $10,000 for dependent child(ren). "]
["Conversion, including any limitations like EOI and length of current policy","Yes, but Conversion is not available for:\n1) the Accidental Death and Dismemberment Benefits; or\n2) any Amount of Life Insurance for which You or Your Dependents were not eligible and covered; under The Policy.\nYou or your Dependent must have been insured under the policy for 5 years or more in order to be able to convert coverage. Application and applicable premium must be submitted within 31 days after insurance terminates, or 15 days from the date your Employer signs the application, whichever is later; however, Portability requests will not be accepted if they are received more than 91 days after insurance terminates."]
["Life Exclusions","1) 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."]
["AD&D Benefit","1) 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."]
["LEAVE PROVISIONS","See RFP Section III"]
["Termination of employment or loss of eligibility","Coverage terminates on the day in which employment ends or eligibility for benefits is lost."]
["Layoff","See RFP Section III"]
["FMLA Leave","Coverage is continued at the City's expense for up to 12 weeks.  Coverage terminates the end of the month in which the 12 weeks ends."]
["Non-FMLA Medical Leave","See RFP Section III"]
["Non-Medical Leave of Absence","Coverage terminates the end of month following the month the leave begins."]
["Rehire Provision","If an EE quits or is terminated, he/she cannot be re-hired for 30-days.  Upon rehire, the EE must meet a new elimination period.  See RFP "]
["Return from Paid Leave","An EE who returns from a paid leave - sick pay, vacation pay or worker's comp pay, within 2 years of the date he/she left, will not be required to meet a new waiting period.  See RFP Section III for rehire provision for Ees who have been laid off."]
["RATES AND TERMS"]
["Contributions","100% Employee Paid"]
["# Eligible Employees",{"v":1471,"d":"1,471"}]
["Life Rate Spouse, Dep, Spouse and Dep Unit",{"v":0.44,"d":"$0.44"}]
["Current Volume",{"v":565000,"d":"$565,000"}]
["Expected Monthly Cost",{"v":248.6,"d":"$248.60"}]
["Rate Guarantee"]

{"sheet":"Supp Life","index":2,"n_rows":61,"n_cols":3,"rows_kept":61,"flags":["formulas_cached_only"]}
["Submission Form 3.3"]
["Supplemental Life"]
[null,"Current (The Hartford)","Vendor Response"]
["BENEFIT CLASS","All FT employees working 30+ hours/week and the City Judge\nReg. "]
["Employee Benefit","$10,000 increments to a maximum of $300,000"]
["Annual Basic Earnings Definition","Regular pay including a longevity bonus for EEs who have worked or the City for 4+ years.  Longevity bonus represents an additional $10 per month for each year of service over 4 years, not to exceed $2,400 in a year. Regular pay does not include commissions, bonus, overtime pay or other fringe benefits and is determined prior to any pre-tax benefit deductions."]
["Waiting Period","60 days of employment with EEs eligible on the first of the month coincident with or following 60 days of employment."]
["Coverage Effective Date","The day the EE is eligible - 1st of the month coincident with or following 60 days of employment."]
["Coverage Termination Date","Date of termination"]
["Guarantee Issue",{"v":100000,"d":"$100,000"}]
["Age Reductions"]
["At age  70","Reduces to 65% of original amount"]
["At age 75","Reduces to 50% of original amount"]
["Reduction change occurs when?","Next pay period following insured's 70th and 75th birthday."]
["Maximum coverage amount","$300,000 (does not include basic life benefit)"]
["Waiver of Premium","1) be covered under The Policy and be under age 70 when you become Disabled;\n2) be Disabled and provide Proof of Loss that You have been Disabled for 3 consecutive months, starting on the\ndate You were last Actively at Work or provide proof that You have been diagnosed with a life expectancy of 12\nmonths or less; and\n3) provide such proof within one year of Your last day of work as an Active Employee.\nIn any event, You must have been Actively at Work under The Policy to qualify for Waiver of Premium."]
["Waiver of Premium applies to:","EE Supp Life, Basic Dependent Life, Spouse Supp Life, Dep Supp Life"]
["WOP Definition of Disability","1) Be covered under The Policy and be under age 70 when you become Disabled;\n2) be Disabled and provide Proof of Loss that You have been Disabled for 3 consecutive months, starting on the\ndate You were last Actively at Work or provide proof that You have been diagnosed with a life expectancy of 12\nmonths or less; and\n3) provide such proof within one year of Your last day of work as an Active Employee."]
["Benefit if EE dies before the EE is approved for Waiver of Premium?","If Employee or Dependent die within one year of the disability -  Amount of Life Insurance which is in force for the deceased person provided:\n1) EE was continuously Disabled;\n2) the Disability lasted or would have lasted 3 months or more; and\n3) premiums had been paid for coverage."]
["Portability, including any limitations like EOI and length of current policy","Portability is a provision which allows You and Your Dependents to continue coverage under a group Portability policy\nwhen coverage would otherwise end due to certain Qualifying Events. Portability applies to Basic Life Insurance,\nSupplemental Life Insurance, Basic Dependent Life Insurance and Supplemental Dependent Life Insurance coverages only. Application and applicable premium must be submitted within 31 days after insurance terminates, or 15 days from the date your Employer signs the application, whichever is later; however, Portability requests will not be accepted if they are received more than 91 days after insurance terminates. You may elect 50%, 75% or 100% of the Life insurance amount. This amount may not exceed $250,000 for employees, $50,000 for spouse, $10,000 for dependent child(ren). "]
["Conversion, including any limitations like EOI and length of current policy","Yes, but Conversion is not available for:\n1) the Accidental Death and Dismemberment Benefits; or\n2) any Amount of Life Insurance for which You or Your Dependents were not eligible and covered; under The Policy.\nYou or your Dependent must have been insured under the policy for 5 years or more in order to be able to convert coverage. Application and applicable premium must be submitted within 31 days after insurance terminates, or 15 days from the date your Employer signs the application, whichever is later; however, Portability requests will not be accepted if they are received more than 91 days after insurance terminates."]
["Accelerated Death Benefit","In the event that employee or dependent is diagnosed as terminally ill, he/she may access life benefit. Minimum benefit of $3,000 to Maximum of $500,000, Not to exceed 100% of benefit amount."]
["Age changes Apply:"]
["Initial Offering provided as Open Enrollment","In the event that the winning bid provides either higher guaranteed issue amounts or lower rates, the City would like to have a one time open enrollment for July 1, 2018"]
["Annual enrollment changes permitted without EOI","Yes - the EE only may increase by $10,000 or $20,000 without EOI unless the amount exceeds the GI level.  Only applies to EE - not spouse."]
["Life Event changes permitted without EOI","No"]
["Who pays for EOI if greater than the guaranteed issue amount is elected when initially eligible?","Insurance company"]
["Who pays for EOI if greater than the guaranteed issue amount is requested at a later date?","Insurance company"]
["Exclusions","1) 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."]
["Spouse Benefit","$5,000 increments to a maximum of 100% of the employee's amount or $150,000"]
["Age Reductions","Same reduction schedule as the EE reduction schedule"]
["Guarantee Issue",{"v":30000,"d":"$30,000"}]
["Must EE elect in order to elect spouse coverage?","Yes - however there is one EE is grandfathered -  with spouse coverage greater than the EE Supp life."]
["Spouse life cannot exceed what % of EE Supp Life amount?",{"v":1,"d":"100%"}]
["Dependent Life Benefit","Live birth to 6 months: $100\n6 months to age 26 - $10,000"]
["Guarantee Issue","$10,000 - EOI is never required for Dependent Life coverage"]
["Must EE elect in order to elect Supplemental Dependent coverage?","Yes"]
["Participation Requirement","N/A"]
["LEAVE PROVISIONS","See RFP Section III"]
["Termination of employment or loss of eligibility","Coverage terminates on the day in which employment ends or eligibility for benefits is lost."]
["Layoff","See RFP Section III"]
["FMLA Leave","Coverage is continued at the City's expense for up to 12 weeks.  Coverage terminates the end of the month in which the 12 weeks ends."]
["Non-FMLA Medical Leave","See RFP Section III"]
["Non-Medical Leave of Absence","Coverage terminates the end of month following the month the leave begins."]
["Rehire Provision","If an EE quits or is terminated, he/she cannot be re-hired for 30-days.  Upon rehire, the EE must meet a new elimination period.  See RFP "]
["Return from Paid Leave","An EE who returns from a paid leave - sick pay, vacation pay or worker's comp pay, within 2 years of the date he/she left, will not be required to meet a new waiting period.  See RFP Section III"]
["RATES AND TERMS"]
["Tobacco/Non-Tobacco Rates","Same rate applies to EE and Spouse and is based on the EE's age and Spouse's age and EE's tobacco status and spouse's tobacco status respectively"]
[null,"       Tobacco        -         Non-Tobacco"]
["< 30","    $0.044                        $0.114"]
["30-34","    $0.044                        $0.114"]
["35-39","    $0.071                        $0.203"]
["40-44","    $0.122                        $0.286"]
["45-49","    $0.176                        $0.360"]
["50-54","    $0.294                        $0.589"]
["55-59","    $0.507                        $0.933"]
["60-64","    $0.810                        $1.343"]
["65-69","    $1.351                        $1.949"]
["70-75","    $2.129                        $3.013"]
["75+","    $3.234                        $4.544"]
["CHILD LIFE RATE","$2.00 / $10,000"]

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["Submission Form 3.4"]
["Long Term Disability"]
["BENEFIT PROVISION","CURRENT (Prudential)","Vendor Response"]
["Benefit Class","All FT employees working 30+ hours/week and the City Judge\nReg. "]
["Waiting Period","60 days of employment with EEs eligible on the first of the month coincident with or following 60 days of employment."]
["Coverage Effective Date","The day the EE is eligible - 1st of the month coincident with or following 60 days of employment."]
["Coverage Termination Date","Date of termination"]
["Monthly Benefit",{"v":0.6,"d":"60%"}]
["Maximum Monthly Benefit",{"v":8000,"d":"$8,000"}]
["Minimum Monthly Benefit",{"v":50,"d":"$50"}]
["Elimination Period","90 days"]
["Benefit Duration","See Below"]
["Prior to age 63","To Normal Social Security Retirement Age, but not less than 48 months"]
["Age 63","42 months"]
["Age 64","35 months"]
["Age 65","30 months"]
["Age 66","27 months"]
["Age 67","24 months"]
["Age 68","21 months"]
["Age 69 and over","18 months"]
["Changes in coverage occur","Effective the first of the month following the pay increase"]
["Annual Basic Earnings Definition","Regular pay including a longevity bonus for EEs who have worked or the City for 4+ years.  Longevity bonus represents an additional $10 per month for each year of service over 4 years, not to exceed $2,400 in a year. Regular pay does not include commissions, bonus, overtime pay or other fringe benefits and is determined prior to any pre-tax benefit deductions."]
["Pre-Existing Condition Limitation","12/3/12"]
["Prudent Person Language","Yes - If \"you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the 12 months prior to your effective date of coverage or the date an increase in benefits would otherwise be available.\""]
["Social Security Offsets","Full Family"]
["Social Security Assistance or Requirement","Yes - Prudential can arrange for expert advice regarding your Social Security disability benefits claim and assist you with your application or appeal"]
["Mental Illness and Substance Abuse - includes alcoholism, anxiety disorders, delusional disorders, depressive disorders, drug addiction or abuse, eating disorders, mental illness and sonatorform disorders.","24 month limit"]
["Self-Reported Illness Limitations","None currently"]
["Specific Illness Limitations, other than Mental/Nervous","None currently"]
["Income Offsets","1) amounts received or assumed to be received by you or your dependents under Canadian pension plan, RR Retirement act, local state or federal government disability or retirement plan; sick leave or salary continuation plan; any work loss provision in mandatory no-fault auto insurance;\n 2)  Any proceeds payable under any franchise or group insurance or similar plan provided by the policyholder; "]
[null,"3)  amounts received by your or your dependents under any worker's compensation, occupational disease , unemployment compensation law for injury or sickness arising out of work with the employer including all permanent and total disability benefits; any amounts paid because loss of earnings capacity through settlement, judgments, arbitration or otherwise, where a third party may be liable, regardless of whether liability is determined. \n4) Any income received from a third party prior to becoming disabled under the policy will NOT be offset."]
["Other Offsets?  Like no-fault motor vehicle, subrogation, third party settlements, individual disability policies, formal/informal salary continuation, statutory benefits, other income, earnings from rehabilitative earnings","Standard - covered above."]
["Conversion","Not provided"]
["Own Occupation Definition of Disability","If solely because of injury or sickness, you are:  1)  unable to perform the material duties of your occupation "]
[null,"and 2)  unable to earn 80% of more of your indexed earnings from working in your regular occupation."]
["Any Occupation Definition of Disability","After 24 months of receiving benefits, if solely due to injury or sickness, you are:  1)   unable to perform the material duties of any  occupation for which you are or may reasonably become qualified based on education, training or experience; "]
[null,"and 2)  unable to earn 60% or more of your indexed earnings."]
["40 hour week Limitation?","Yes, applied the same to own- and any-occ"]
["Indexed pre-disability earnings ","For the first 12-months, indexed earnings are equal to your covered earnings.  After 12 monthly benefits have been paid, indexed earnings are your covered earnings plus an increase applied on each anniversary (adjusted on each July 1) equal to:  "]
[null,"1)  10% of your indexed earning during your preceding year of disability; or 2)  the rate of increase in the CPI during the preceding calendar year"]
["Residual Disability","Included, EEs are not required to be totally disabled during waiting period.  20% earnings loss is required."]
["Return to Work Incentive","Applies - 24 months"]
["Partial Disability","Applies - 80% during regular occupation and 80% during gainful occupation"]
["Rehabilitation Requirements","If a suitable candidate for rehab, you may be required to participate in a rehab plan and assessment.  If the claimant fails to cooperate in all phases of the "]
[null,"plan and assessment without good cause, no disability benefits will be paid and insurance will end."]
["Survivor Benefit","If a claimant dies while receiving an LTD benefit, the survivor will receive an amount equal to 3 times the gross disability payment. The survivor benefit will be paid if, on the date of your death: 1) your disability had continued for 180 or more consecutive days, and 2) you were receiving or were entitled to receive payments under the plan."]
["Recurrent Disability","Your disability will be treated as part of your prior claim and you will not have to meet a new elimination period if: 1) you were continuously insured under this plan for the period between your claim and your current disability, 2) your recurrent disability occurs within 6 months of the end of your prior claim. Any disabiity which occurs after 6 months from the date your prior claim ended will be treated as a new claim. Recurrent disability means a disabiloty which is: 1) caused by a worsening in your condition, and 2) due to the same cause(s) as your prior disability for which Prudential made a long term disability payment"]
["Workplace modification","Benefit payable to assist with modifications equal to the greater of $1,000 or two months of gross disability payment.  Benefit is available to you on a one-time basis."]
["Long Term Care benefit?","None currently"]
["Exclusions","Your plan does not cover disabilities caused by, contributed to by, or resulting from your intentionally self-inflicted injuries; active participation in a riot; commission of a crime for which you have been convicted; an act of war, declared or undeclared; incarceration as a result of a conviction; any pre-exisitng condition. "]
["Family Care Benefit","None currently"]
["Contributions","100% paid by the City of Knoxville"]
["LEAVE PROVISIONS","See RFP Section III"]
["Termination of employment or loss of eligibility","Coverage terminates on the day in which employment ends or eligibility for benefits is lost."]
["Layoff","See RFP Section III"]
["FMLA Leave","Coverage is continued at the City's expense for up to 12 weeks.  Coverage terminates the end of the month in which the 12 weeks ends."]
["Non-FMLA Medical Leave","See RFP Section III"]
["Non-Medical Leave of Absence","Coverage terminates the end of month following the month the leave begins."]
["Rehire Provision","If an EE quits or is terminated, he/she cannot be re-hired for 30-days.  Upon rehire, the EE must meet a new elimination period.  See RFP Section III."]
["Return from Paid Leave","An EE who returns from a paid leave - sick pay, vacation pay or worker's comp pay, within 2 years of the date he/she left, will not be required to meet a new waiting period.  See RFP Section III."]
["RATES AND TERMS"]
["Eligible EEs",{"v":1471,"d":"1,471"}]
["RATE PER $100",{"v":0.265,"d":"$0.265"}]
["Monthly Covered Payroll - assuming the $8,000 monthly benefit",{"v":6026376.31,"d":"$6,026,376"}]
["EXPECTED COST - monthly",{"v":15969.8972215,"d":"$15,970"}]
["EXPECTED COST - annual",{"v":191638.766658,"d":"$191,639"}]
["+ / - To Annual Cost"]
["RATE GUARANTEE"]