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M <br /> rh <br /> Indian River County <br /> Group Life and LTD RFP-2014034 <br /> Voluntary LTA <br /> Proposal Review <br /> Mmuai of Omaha- - CIGNA <br /> Current Plan Mutual afomaha Symetra Madison National Standard 60% <br /> LTD Income Benefit 6016 60% 60°% <br /> -- <br /> 8.333 5 8,333 $ ,333 8,333 <br /> �$ - <br /> Insured Predisability, 5,000 ,5,050 Earnings $ 8,333 $ 8,333. $ 85,000 $ 5400 <br /> s,000 5 $ _-, $___ <br /> Max Monthly Benefit �$ 5,0-40 5 50 $ 50 $ 50 $ 100 $ SD <br /> Minimum MonthlyBenefit :5 $ - <br /> Choice of 90 or 17500 Choice of 90 or 180 Choice of 90Daor 180 Choice of 90 or 180 Ch°ice 00-490 or 780 Choice oDf�D of 1 <br /> 80 <br /> Days Days -- <br /> Included But Days Not Benefit Waiting Period _ Days Ys Days_.... --- <br /> Accumulation of Elimination Not Stated Not In Proposal <br /> Period 160 Days � 180 Days .Specified In Proposal 180 Days --- - <br /> Pre-existing Condition3112 3/12 3/12 3/12_ <br /> 3/12 3/12 _.____ <br /> Exclusion Full Family Fu8 Family Full Family <br /> Social SecurityOffset_ ... Full Family _ __ Fu li Family Full Family <br /> other Disability- ' Other disability Other Disability Other Disability Other Disa rm, t er Dlsa 1 if e <br /> I <br /> Related Income Related Income Related Income Related Income Related Inc°me Related Income <br /> including FR5-See including FRS-See including FRS-See including FRS-See including FRS-See including FRS-See <br /> Quote for Full Quote for Full Quote for Full Quote for Full Quote for Full Quote for Full <br /> Particulars Particulars Particulars Particulars <br /> Other Offsets Particulars Particulars -_- <br /> _.-. ._ - Reducing Benefit Reducing Benefit Reducing Benefit <br /> Reducing Benefit Reducing Benefit <br /> Max Benefit Period Duration to SSNRA Duration to S5NRA SSNRA Duration to SSNRA Duration to SSNR_A___Duration to SSNRA <br /> Own Occupation Period 24 Months 24 Months 24 Months M Months 1 _ 24 Months- 24 Months <br /> Guarantee Issue Full Benefit Full Benefit Full Benefit Full Benefit __Full Benefit Full Benefit <br /> Subrogation Yes Yes <br /> No Yes Yes Yes <br /> 3X Monthly LTD 3x Monthly LTD 3X Monthly LTD 3X Monthly LTD 3X Monthly LTD 3X Monthly LTD <br /> Su rviv°r Death Benefit Benefit Benefit Benefit __. <br /> Benefit Benefit Benefit <br /> Mental,Nervous,Drug, <br /> Alcohol and Specific Condition <br /> _Months <br /> _ Limitation 24 Months-Lifetime 24 Months-Lifetime_.24 Months-Lifetime 124 Months Lifetime',24 M�andato'rytime 2a Mandatoifrye,[ime <br /> ...__._. --._ .. - Voluntary I Voluntary _ _ <br /> Rehabilitation Voluntary Voluntary <br /> Employers share Of FICA If APPBcable If Applicable It Applicable If Applicable I(Applica ble If APyesahle <br /> Yes Yes Yes _ Ves <br /> w-2 Reporting Service Yes None _ None None <br /> Employer Contribution None N°^e --- 50% 30% <br /> Participation Requirement 25% <br /> 25% 50% � 25% <br /> 90 Day Elimination Plan•Rates Per$100 of Earnings 0.105 <br /> _ <br /> <25 $ 5 $ 0.100 $ 0.200 5 0.100 $ 0.120 I.$__ <br /> 0.10 _._ --- 0.120 $ 0.105 <br /> 0.100 $_ 0.200 S O.I00 $ <br /> 25-29 $ 0.105-$ -_ .0.190'$ 0.189 <br /> 0.176 $ --„ 0.350 $ 0.176 $ <br /> 30-34 S 0.185 $ � -- 0330 $ 0.242 <br /> 0.217 $ _0.430 _$_ 0.217 $ <br /> 35-39 $ 0.228 $ - 0 480 i 5 0.347 <br /> 0.315 $ _0:630 $__ 0.315 $ <br /> 4044 $ 0332 $ - 0488 $ 0.710!$ 0.536 <br /> 0 488 5 0.970 $ <br /> 59-5 $ 0.514 $ O.A. 1.090 $ 0.788 <br /> 0.716 $ 1430 $ 0.716 $ ._ <br /> 0.754 $-___,--____ 1.4901$ 0956 <br /> -_50-54.. _._..._ .$---______0.9 _ 1.720 S 0.865 $ <br /> 0.910 $ 0.865 $_ _-�_ 1.510'$ 0,996 <br /> 55-59 $ -------- - 1.790 $ 0.902 $ , <br /> 0.949 $ _0.902 $ --" .. 0.998 <br /> 60-64 $ - - - _-_. 0.902 $ _1320:$ <br /> $-_ _ $ <br /> 65-69 $ 0.949 0.902 <br /> $ �-- .-_1.790 0902 $ 2.870'1$ 0.998 <br /> 70-99 $ 09491$ 0,9021$ 1]90 $ <br /> 180 Day Elimination Plan-'Rates Per$100 of Earnings - 0.070 $ 0.084 <br /> 0.081 $ 0.160 $ ____ 0.081 $ <br /> <25 ___-- $ ___ 0.085 $ - 0.061 $ 0.070 $ ..__. 0.084 <br /> --"- - 0081'-5 0.160 5 - __ 0_.15-4 <br /> __._.__-- 0085 $ -.. - 0.140 $ <br /> 25-29 _. $ __ __0.143 $ - <br /> o.zao $ - <br /> 0.150 $__ 0.143 $ 0.270 5 0.200 <br /> 3D-34 $ ___. - _.. - - 0.161 $ _ <br /> 0.181'$___ 0.360 $ p.294 <br /> 35-39 $ 0.190 $____._. . - ._ -0.263 0.390 $_ <br /> 40-44 S 0 277 f 3 5 0520 $ __.- 0580 S D.asz <br /> --- p4o7 $ -- - <br /> 45-49 $ C.428'f$ 0.597 1$ o.e10 5 0380 $ Q66z <br /> o. <br /> 0.407 <br /> _. .. ._-_- 1.190 $ _ 0.598 $_ <br /> 50-54 $ __.Ob29 $ _ .--._____ $ 0.721 $ 1.150 $ _. -_ 0798 <br /> 0.759 1$ 0.751 S 1.430 $ -._- 1.140 $_ 0.530 <br /> 13 721 1.490 $_ 0.7S1 S _. _ <br /> - -- 0.791.$ $ --- 0.940 $ 0.830 <br /> _.._.60-61___-._.. $.. ..__-. 1.490 $ 0.751,$ <br /> .. .. 65-69 $ 0.791 $ 0.751 .S.__ _-_.- -' 0.751'.$ -_ 0,830 <br /> 70-99 I$ <br /> 0-7911 S 0.751 j$ 1.490 1$ 1550 5 <br /> 3 Years 3 Years 3 Years <br /> Rate Guarantee NA 3 Years <br /> 3 Years <br /> LTD Classes <br /> I All Eligible Employees Electing the 90 D_ay elimination period _ __ <br /> Class 1 -- - period <br /> Class 2 All Fli ible Em lavees Electtn the 180 Da elimination <br />