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264371 WHITE - CITY CLERK CO1111C11 2643'71� 6Ll�IE - MA oR E GITY OF SAINT PAITL File NO. CANARV = DEPARTMENT C 'l s lution Presented By � Referred To Committee: Date Out of Committee By Date k�i�I�AS, The Legislattare of the State c� Minn�scta passed � l� �rd.er Chapter �o. 338 duri� t,�e 1973 SeBSion �Yi3.ch ia part reqnire� the City to ��ek bids for iaaurarice coverages whieh up�n r�newal. indicate an inerea►s� ef 2(�i or �re p�e+mi�m a:ad � �EAS, th� requested renewa,]. premi.ro� fflr the Saint Paul Fire and ��arine Irisura�ee Co�o�pa�r palic� �10. CE 0920 ca�rar�mg Lor�g Ter� Disability ixidicates at� iacrease of 450°�; now, therefore be it RESObVF�, that the Covneil of the City of Saint Pa�l upon the reeo�adaticn of the Health �nd Welfare Insur�ce Advisory Co�i.ttee that Wi1l.iam �. Peter, Purchaeing Ageat of the Cii.y of �aint Paul, is her�by autharized and directed to req�est bida or prc��pc�sals for Lc>ng �e�m �isability Inauraace in aec�rdance with th� specif'ications, a copy oP which is attached hereto s�ttd ixicc>rporated hereit� by re�e,rexice, a�d in accorda�ce aad together with standard cit3* f� specifYcatio�.s r�aed 'by the R�rchasi�g Department. � APPROV�D ..R�Z7-7 °?og�r A. Mattsan t �3udget D� r •� � _._ sy, ��,: COU[VCILMEIV Requ r ent � Yeas Nays � Christenaea Hozza In Favor Levine � ' ° go�,�• Against BY � Sylvest�r Mme.P ��y�t���1l� Adopted by Counecil:�Cfi�$ H13At Q�+T 8 197� Form Approved by City Att rne r � Certified..Pass d Council Secretary By � � � Approv Mayor• Date � Approved by Mayor for Submission to Council By BY �I1611SHED O CT �. � ���� . ����� • _ » , � � ,� � Z i 1 p Civil Service Commission " AUL Director of Personnel Mrs. Ruth D.Schwarzwalder,Chairman 3 A , � , Thomas D. Gleason Mr. Harry H.Gaston �,'�V�L S , ' E OFFICE Mr.A. R. (Dick)Zangs = � t Assistant Director Bernard P.Wright i � �,t,� n caere ST. PAUL, MINNESOTA 55102 se�te�aber 26, 197� lS�r. PY�z�k D. l�arzite]1i City Administrator 365 City Hall Saint Paul, Minnesota Dear Mr. Dlaxzitelli: We are a�ttachiag hereto for y�ur re�i�r and approval a resolutic�n seeking bids for Long Term Disability in�urrance as reccmenended by the Heal.th and We3fare Insvrance Ad�i.sory Comnittee. If this meets x3.th �ur app�ova7., kiadly see that it goes thrc��gh the proper channels for the Cit� Cot�cil's consideration. V�ry truly y��s, v� C. DEV7,I� JCD�l.�j ��1• r � ' �"� f ,'��d� �' t �`�� � - ; , ,�� .. .-�'ii � � '✓ �i'�:r. / ��t��G2a�.i�.'""-t. "" � „'� • /. i i R 1 K{v*.:�t{j� ��� �{ �� � � � � � � �1n ` �. Y�� ��AMaCEM��� &tE�iB£R �4 � , CITY OF SAI7�T PAUL � HEALTH ?.ND WELFARE PROGRAIi ������ I i SPECIFICATIOI�tS � - _ � I " I� E � General Prov�.sions IThe City oF Saint Paul requests that you submit a formal proposal with respect { to the City's employee insurance program. � i The City wil]. evaluate Fil1 proposals received on the same basis. If your � proposal is to receive consideration, �.t must conform to the specifieations herei.n outlined except where de�vi.ation is express]y perm3tted.. The City reserves the right to re�ject any and all proposals. � The City of Saint Pa.ul and Independent School District No. 62� of the City oP � Saint Pav�]. are desirous of receivi.ng � prcposal providing Cit�r e�nployees and Independznt � School District No. 625 employees with group insurance covera,ge which wi11 provide long � term disability i.nsurance as set forth herei.nafter. Where the ter3n "City" is used, it sha11 � apply to the Independent SchooZ Distriet No. 625 of the City of Ssint Pa.ul as well, and x where referen�e is made t� the Council of the City of Saint Paul, it shall apply also to Independent Schcol District No. 625 of �he City of Saint Paul. All sa.Zes mat�rial, applications, authorizations for payroll deductic�ns, evi.dence of insurability forms and any co�a.unica.tion rel�,ting to ar�y chaage in or amendm.ent to � coverages ir,voZved �h�.11 be subject to appro�val by the City. � If the�e are aay terms, phrases, or provisions contained iu the proposed policy, � a specimen of which shall be attached., which may be cor�tradictor,y to �he specifications provi.ded. hexei.n, the language of the specifications sha.Ll. in aLl. instanaes take prec�ense, � asstuni.ng compliance with State and 3.,ocal la,w. Specimen copies o� graup master con�Faracts � tu be issued. to the City of Saint Paul sha11 be furni.shed with the proposal. 7 � Al1 successflil bidders must provide a local cla3ms office, sai.d of'fice to have � the authority to adjust a�y and aLZ c7.a3ms submitted. � � The City of Saint Paul, 3.n considering the proposals submitted and in maki.ng an :; aw�rd of the proposal, shall take into consideration such factors as servic� capabilities, a' c�.aracter, f�nancial pos3tion, reputation with respect to such carriers, and �wxy other ; factors which the City ma,y dee�, appropriate in arrivin� at an �ward to a particular c�xxrier. ti � In the submission of the proposal to the City, each carrier shall provide a com- { plete listing of the exclusions un3er each policy, whi.ch sha11 be cons3.dered by the City in ;� making the award to the lowest qualified bidder. � � Any proposal which deviates Prom the speci�'I.cations must Le prese�nted as an alter- � `� nate. Al�ernate proposals will be givEn consideration pravided they are specif`ical.l,y r.oted � as alternates an.d that all deviations from the specifications axe also noted. These alter- ., nates must apply uniforml�y to all eligible persons of the City and School District 625 group. ;� - 1 - .g � � .,� :+ � .{ . _....<.� _, _ z�_.��... ��w,�.�.p,�... :... . . _ . _ ______ ,�,-..�,�.�,.: __. ��� -���.�.�.;����..A.,�..���,.__.....� .�.�,...�,.,.. �;;..�...� �. :. � ����� IY. ,� Con�inuance and Cancellation (1) Present City grov.p insurance �,gr�ements rua for the calendar year, and it is cont�mplated that an award of a contract pursua.�a.t to these specifications wi11 be coordin�,ted with p�esent City agreements if continued. This contra,c-� is for t,he initial term of one year, beg;n� at nidnight Cen�ral. Staaidard Time, Lecember 31, 19'��+. Unless disconti.nued by the City it shal]. be renewed a�ztomatica,ll.y on the first day of January, 1g76, and each successive year thereafter durin� its continuance for successive terms of one yeax each wi.thout evidence of insurability. The contract sha11 be guaranteed rene�ble at the option of the C�.ty an3 noncancell.able by the insurer or carrier dwr3.ng the contract year except for no�ayment by the City oY pr�n3.wns when due and then only aftex' a 'th�rtY-a-&Y �ace pe�'iod has expired. (2) Any requests for cost or premi.um ad.�justments shal.l. be made in yrritir� to the City prior to Septeanber lst to be consfdered for the next folZowi.ng yeaxly terms• Such requests shall be addressed. to the Ma,ynr and City Cotancil aud delivered to the City Clerk. (3} This contract may be cancelled by the City 'by th3.rty d.ays' written ncztic� delivered to the insurex or carriex. IIT. Termi.nation of Indiva.dua7. Insuz'ance (1) Insurance of the insured. employee sha.L1. automatically terminate �,t the en.d of the contract month for which his pr�mium was last paid and accep�ed by the Compar� i�.i the e�tent: (a) The group contract is lapsed or discontinued, or 'I _ _ _ -_ ___ � (b) The required prem3.um payments cease to be made on the aecount of the insured. ; employee or on the date the insured. employee caucels ar withdraws his pa�yroLt ; ' deduction authorization, or � (c) The insureci employee terminates his e�rployment w;th the emplayer, ox � � (d) The insured employee is retired or pensioned, or � (e) The inswcec� empl,oyee enters active duty in military or naval. servi.ce, or ; �' y (f) The insured esnp�oyee is tearporarily laid aff, graut�d. sick leave without pay � or granted. a written leave of absence, provided., however, that i�surarice not '� term3nated for other cause stated in (a) through (e) above, may be cvntirnzed for not exceeding twelve (]2) months by payment of the requixed premiums for � . such 3nsurance di.rectly to the i.�surance company, on or before their respective :� due dates. � (2} An Insured Person whose insurarice hereunder ceases for a�y reason sha11 be � e13.gible aga..�in to Insure hereunder upon bei.ng reinstated f.o active employmen� by the Policy- � holder, provided the eraployee meets aLt other eligibility requirements herein stated� but an .,3 employse who applies (1) mpre than 30 da�rs after the date he becomes eligible, or (2) after the � insurance ceases because of failure to pay the requised premium wh:l� r�naaning e1�i.ga.l�le, shall. ;� be requixed to furnish evidence of iususability satisf actory and withont egpense, t,o the Compat�y, _� :� ,w .�,� - 2 - : y � • j � �� a - . [ *�..� .. .....�,...,a.�....,. _ .. .�. _.. �.a�..,:.. - �...z.... . ._...,..,..� ,.:�,:,�,��_.�,_..s,:�a..�,x�.,�._ a. .. ..,. ...,,...» . • • , . ����� . N. E1.igi.bilitY (1) The Gouncil oP�the C�ees insur�ed b etm erhin a hmannerethathpreclud s in.di- determini.ng eligibility for e�nP Y vi.dual selection. (2) The effect3.ve date of the emploYee�s insurance, wh° is rec�uired ta furnish evl.dence of insurabi].i�Y, shall be the d.ate of applicatfon of e�ployee if such evi.dence o� insurability is aace�Pted. Such coverage will be provided withont charge �or a�r initia7- partl�.1- month. < V. �►dm3.nistrator ' �e 1�i,nnesota ]�futual Life Insurance CamPar�r is the Administrator w�.o keeps all the records of a11 thase insurea. wzder the plas�, bil]- the City manthly' for premi'ums due, including a17. employee-paid premiums, on an ite�i.zed. statement showing all departments, bureaus, names '� af emplroyees and covera�es p�ovided, collect the premememi.ums and disbax'se them to the other ; carriers. Sa.id Administrator is reimbursed for these services on a peremtage basis of premi'ums � disbursed. to the carriers. � � VI. � Certificates for Ins'ured Fersons (1) The company will- issue to the policyholder for delivery 'to each insur� P�son individual certificates setting forth a stat�nent as to the insurance protection to whieh the `, insured person is entitled and to whom indemn.ities grovided by the policies are payable. ;� VII. Cl.erical Error (1) Clerical error upon the part of the policyholder ue he�insur� of �y��u�ce the insurance of as�y insured person, nor shall such error con a.n insured person beyond the date 3t woul.d otherwise t�rminate under the terms of th3.s policy except for error. :.., � VIII. ��. No La se o�' B�nef'i.ts The successf�il. bidder hereunder shall auto��cica,l]�y assumec� �e�sole]�v by reaso .a, manner that no person sha11 be denied or afforded bene�'i.ts and�or ag o� a chaz�e of insurers. In the event o�' a�y questiona,ble clai�ns under th3.s clause, the succes ftil. bidder shall pay the cla.im subject ta the right of ne�otiation and subrogation of pre�rious coverage holder. +� _ 3 _ : .-.. . ... �t .'� ....w...tf�i.s:sa.v.,.u.,�.W::....�....ws�..ud.,:��.:..,,,.,,.tT ,.-y......._.aan.,..�... . .. .......___ . ..,.. :.. _. .., _ w.�.a$�cC.`G�'.ir�.�..........,.... �..._«....d.,_n.. .. ' wauJ�w..1.J �� .-.-e..s There are curz'ent],Y 104b earPloyees insured tander' the long term dis- ability contract. Atta.ched please find: (�,) ESPex'ience. Janua�rrY l� 1969 to � 31s 197�+• (b) Specimen of present insurance ' (c) Qaotation for bidder to complete. � (d) Retention exhibit for bidder to complete. ! � � � :� 'J� � � ;q� .+� � � � Ji� 7G �' �[ )+ y� f`., 9 . f -.j :��� 5':� � , . . _...�,._..�.,�.�w . . ��.i.�S ��...,.w�... �.,-�:k �....-�.wtis+...._�.+:r�"a.>....�.._.�.3__:.�... . .4:�,.a:{.. _.����... . v ..�u.,.,�.... _... . . .-tr�lll.vle.r.�.n�a.. ,. ......t�VI —�`+ � 1 -� . . �►64 , . ��'., Y _ . � . ��� T � T oF �T �'�v L L . � ��.��j.. �, � . ..:`�',}` , ' � :� , • � P/(�) ,rN� Term WP •Inc. Losses Ex�?• « � 160,639.34) , � 1-1-74/5-31-74 56,399.90 197,968.04 13,535.60 �$ ,-1:,� 74,3G6.43) 1-1-73/12-31-73 110,938.31 158,013.91 27,290.83 �$ ;-}':�� New Policy _::.:,,;'� 88,349.7 8) � 1-1-72/12-31-72 109,571.80 170,966.92 26,�54.15 ($ ` � . 22 290.94) . ,;; 1-1-71/12-31-71 ' 117,722.88 11].,054.03 28.959.78 ($ � ,,RS� � 68,065.89) :,,� 1-1-70/12-31-70 77,108.64 126,208.84 18,968.69 �$ "F� 57 890.31 18,130.62 ($ 2,319. 12) ";� 1-1-69/1.2-31-69 73,701.84 ��, � ;:�, ��.�. :�� . ,-�, ` ,. �' � -.'-"� ,r.� , , . , �� . -._.� . � `:y i . ;;� . ,,� . . ;s .. .-.�:.� . - . . :�� �\�ti;.���1� � . �.. �.;.� . � . E:.',; . ;^� .. ��r� � � , � .;�?'.::'• . '�M'�41� � . . � �N.� . � . . , . .,`�».� . :..ar.� - . y`,1'. }Y��ti �.:,�""'•��.' , . .. i; .i' ,i. �- u,j�.,; - � � . 5t*� .�.� a ,���. ;.; ;�r � . =; 'k'@ r;� ��. ��l�F.. �N'�., • , 1 � . . . . . . /�'e'ti'A �� ���.�'7��VJ 1 . S�� � .. .,ir...,,. .r.,.��.�.• ' . � � Ou v� �n..w�..... 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W .] d . y �i O » V� V � G !1 !f w ^ M .7 �•M � ry '� ^ " r I> /� ''T '� [1'N O a `" f; �['' N I�' � � ��� . � n r b y b !�1 „ O=.�� A f ry d]• a y �y � u [� � N � v � ' m ; .n� �'" ^ � a. ^ O 'Q N °r. � n r ;,'ro C+.rr y $ f, � . • � u � j � �� .^��., ' n. � M j ., ? d-A. n ? ,d� , 6: ��' .•� 7 �. . .. , O c`� O G' 7 n h n u p � '� t rr V ^`� '2 `:' N 'd N -r-, �' ., � y o, � .. .. F x �'• :,'� ^ h `: T' ;, 3 � ; ,� r o �o :r �' �;,� c � o ri � w r .�. �i a `� n n . q � P � 7 S 0. � Cr:� .'./ � •. . ..�... . . ... . . ... . ,. �.. , _ »;. , .� ..... •...;� . . . . . "�,f'.. .: � . , , , . _ . . >.a,.t:�u.a..w_ .._.. ,.y-.:.. - ... .. ._._...u,.:i.+,rre..�___�._ ,.,.. .C'�v 's.aLL.:� ......,e 4 _.a.� _.... ... .. .....�k_YV...1n..-....M. . .. . '. . L�J?tG 7.'�E{Ni iJ:LS�.BILi`I°i ii�,"�w.:y:�CE p1,1, 21i11-time a.ctive employeea ea�aing $�+,0� ar �re ar�nual]-Y in the City of Sai.nt Paul ages 18 to 6�+ are eligible to apply far the fc�llot�ing long teerm disa�.bilitY Pl�• �idence is r�quired oP all eligible employeesi ho O�'�tsesubject to�a mi.nimuna o s$100Cand subject to• lfonth�y beaefits c�nn be gurchased $5 the fo]lowing m�xiffiuns: Annual Sa7.arX V.��?m,m MantYily Benet'it $4,000 - $7,0� $3� ,001 - $8,000 ��50 ,001 - $9,o� $5� 9�aoi - $lo,000 $6500 $10,001 - �11,4�4 $u,00z - $i2,000 $650 $12,001 - $13,� �� $13,001 - $14,00(? $� �i4,00a. � $i5,000 i5�ooi - $z6,00� $850 $i6,00i - $17,000 9� �17'�l r �18'� �95n $18,001 - $19,000 $1�00� $19��i ° �'�0�� Should the earploye� be eligibl� for salary benefYts fro�a Workmen's ��P�Railroa.d Retirement �.bi.lity provisions o�' the Soc:;.a1 Security Act (both pramaxy' and family�� Act �r axty ZTet�rans A�mi�.ls��'$tian Disability Provision, Public �ployees Retixement Assaci- ation, a.nd any other governmental retireffient plan, hi.s Monthly Benefit under tnis pian wiu. be reduced by the Funount of these benefits, paid or payable to��e�ext�nthly Benefit�eor his plus his Monthly Benefit under this plan exceed. his allowable ��n�� � pnnual, Salary, 3n accordance with the Salary �,ua]-i�'ication Schedule, horo�ever, a Nonthly Benefit of $50 is guus'anteed PaYable. � �he 181st day ot' tott�,l disability and ax's P�3.d uP to a�e 65 for siek- The benei`its begz.n on eriod benefits are ness and ]3�etime in the case of accident. Premiums �'e waa.ved. dvring p being paid. Reoccurring disabilities shall be dee�ed a continuation o� the prior disabili.ty wril.ess between such periods an employee h�.s Performed the c�uties of his regu:Lar occupation on a cantinuous basis for at least six months. � Tota1 c'li.sabili�y means the inability of an emgloyes to engage in business or occupation of an3r kind for which the eraplo�ree is reasonably f:itted by educ�,t�on� traini.ng, or experience. QilbTA7,'ION ,� MJNTFLT Y BIIJEFST RATE P'ER 2�NTH - $100 to $1,000. Rate for each $50.bene�it $ � - 5 - � ;� ':A a . �• . � . . __ c.. .,U_.... . ...�.�a:.w...:.... G. ... ............... _._.. . .. .... ......... __..........ic. .<....... , ..... .:<.. . ..,�.# ,, . . .,........ . nt Paul Minnesots� �'" r� . City of Sai , ,-i xealth and WelfarE Specifications Retentions Exhibit First Second Third . Yesr Year Year Gross Premiums -------- Actual CI.a3ms Paid $20,000 �zo,000 �°�000 GYOSS PrOf3.t - Itemized Exp�nses Comoni.ss3.ons Claim Exp�nse Taxes � mi ni stratian Records and �,�� Other bcp�nse . Company Profit . ""�— � Incurred but un.p�id Claim Reserve _ – - l�et Prof it _ - - ALl retention exh3.bits sha11 be figured with the exaacple of "C].aims Paid" i.nserted ab°ve' All items not guaranteed re�l.ind.able upon ex.pixations of claim period shoul�. be entered in e "Other �pense". This policy shall be experience rated�r �hretroactivelrteduct on ,.n Premi.su� There �Sha�l7- � the policy holder either as a cU.vxden � be no assessment or retroactive rate increase i.n the event of a net l�oss. - 6 - � � `:� ; z ` ' � � r � 4 C�TY OF SATI�T PAU� 9����� �t � HEAZTIi AND WII+FARE PROGRAM � � SP'ECIFIC.ATIONS ; z � � " � � ' : Gerieral Provisions F. � � The City of Saint Paul requests that you submit a formal proposal with respect � � to tLe Cityts e�ployee insurance program. � � The City will eval.uate all proposals received on the same b�,sis. If your � p�opasal is to receive considexation, it must conform to the specifications herein outlined � except where deviation is expressly perinitted. � � The City reserves the right to re��ct any and all proposals. a ! The City of Saint Paul and Tndependent School Distr�ct No. 625 of the City of � Sain� Paxzl sre desixous of receiving s, proposal p�oviding City em�ployees and Indepen�.ent j Schuol District No. 625 �mployees with group insurance coverage which will provide long 4 term cL'.sability ir�surance as set forth hereinafter. Where the tex�n "City" is used, it sha11 � apply to the Ir_dependent School District No. 625 of the City of Saint Paul as well, and a where :eference is made to the Counc3l of the City of Sai.nt Pa,ul, it sha71 �.pp1y also to # Indepe�dent School District No. 625 of the City of Sain� Paul. s _ # A11 sales material, applicatians, authorizatxons for payroll deductions, eviden.ce � of insurab3.li.ty forms and any comm�tnication relating to a�y chauge i.n or ameaadment to coverages i.nv�ol�red sh�;1 be subj ect f.o a�rova7. by the City. � If t�zere are eny texms, phrases, or provisions contained in. the proposed p�licq, � a specimen oP which aha11 be attached, whfch may be contra.dictery to the specificaticns _� provided he�rei.n, the ].,an�uage of the specifications shall in all instances take precedense, ,� asswni.ng compliance with State and local law. Specimen copies of group master contracts �; to be issued to the City of Sa,int Pa,ul shall be furnished with the propasal. j � � All successfl�l bidders must provide a local ela.i�s office, sa.id of'�'ice to have � the authority to adjust aqy and al1 claims submitted.. � The City of Saint Pa.ul, in considering the propr�sals submi-tted and in making an ; award of the proposal, shall take into consideration such fa.ctors as service capabiliicies, �' character, financial position, reputation with respect to such carriers, and any other factors which the City may dee� agpropria�e in arrivin.g at an �,ward to a varticular carrier. In the su'L�mission of the proposal to the City, each carrier shall provide a com- ., pZete 13 sting of the exclusions under each policy, which sha71 be considered bf the Cit;r in mak.in� the �.ward to the lowest qualified bidder. A�y p.�oposal which desr3.ates fr�m the speciPications must be pxesent�d as an alter- ��.� nate. Alternate proposals will be giveia consideration provided they are specifically noted. � as alternates and tnat all dev�.ations f��m the specificati�ns are al.so noted. 2'hese alter- � nates must apply uniformly to a71. eligible pexsons oP the C3ty and Schoel Distr3.ct 625 group. - 1 - .a � � , ,i � . � '� ;.,. �.�- .".�ti�.rr...rYb.�uT.'..:...x...a,.tx:�._.1C .�,�.:�'. .u...a.ut.�.'�ww,,.._..a ,�+ .-;. �. .ad�: �ra: _�:...._,.a....�__---. ._. �+'.AS���:_ .i..,y`y�A�k:ihYtwmid+•y,.r.+%-.'a.�.trm..:.'.r..i� . . - . , • �u.:9.a.n . _ . �♦ Continuance and Cancellation (1) Present City �oup insurance a�ceer�ents ru� far the aalen8.ar year, and it is conte�plated that an award of a contxaet pursuant to these speci�ications wi]1 be coordina,ted with present City a.�eements if continued. This contract is �or the initial term of one ;�ear, beginnin at midnight Ceritral Standaxd Time, vecembex 3�, 197�+• �'�-lss6`�i�a ach successive City it shall be renewed �.utomaticall�* on the f�.r.rst day oP January, 9� , year thereafter dzu'ing its continuance for successive terms of' one year each without evidence oP insurability. The contract sha11 be guarantee�d re�ew'able at the option of -the City and noncancelZ�,ble by the insurer or carrier duri.ng the cantract year except for nonpayment by the City of premi.wns when due a.nd then on1,y after a thirty-clay gr'aee period has e�cpired. (2) As�y requests for cost or premium adj�a.stments sha11. be mar3.e in�ting � r�uests City prior to Septe�nber lst to be considered for the next fo]1owi.�g Ye�rl.'Y' sha17. be addressed to the Ma,yer an.d City Council and delivered. to the City Glerk. (3) This eontract ma,y be cancelled by the City by thi.rty days' written notice delivere� to the insurer or carrier. III. Termination of Individua]- Insur�nce (1) Insnraxice af the insured employee sha.71 automatically termi.nate at the end of ' the contacact month for whi.ch his premi.�n was la.st gaid and aecepted by the Co�pany in. the �vent: i �! (a) The grov.p contxact is lapsed or d.isconti.nued, or I . (b) The xec�uired p�emilu�n. Payments cease to be made on the a.ccaus�.t of the 3nstared. e�aployee or on the date the i.nsured. employee cancels or withdraws his payroll ' deduction authorization, or (c) The insured e�nployee termi,nates his employment with the enpl�oyer, or (d) The insured employee is retired or pen.sioned, or ;,� (e) The insured. �mployee enters active duty in mi].it��r or nav'AZ. service, or (f) The insured �pl�oyee 3.s tc�nporarily laid off, graated sick leave without pay or granted. a written leave of absence, provided., however, tha.t i.nsurai2ce not terminated �or other cause stated in (a) through (e) above, may be contin�aed. for not exceeding twelve (12) �nths by payment of the required prem.iums for such insurance directly to the irxsurance compaqy, on or before their respective due dates. .; (2) An Irisured. Person whose insurance hexeun.der ceases for ar.tiy reason sha71 be e]3gible again to insure hQreunder upon being rei.nsta�ed to active e�mployment by the ]?olicy- holder, provided tYse employee meets all other eligibility requi.rements herein stated, but an employee who applies (1) more than 30 days after the date he becomes eLigible, or (2) aPter the insurance ceases because of failure to pay the required premium while remai.ning eligible, sha11 be xequised to ftirnish evi:dence of irisurability satisfactory and without e.xpense, to the Compa»�Y' ,� ,:� 2 - `� ' . '� � a :-r� ��.,F_ _ . ,,..�.�.. _ . . . �. °,.�.�_:..�. :. ...,: .:_:. . - . ��.. . ��,�.�...�.,,��..�.u...�.r.w_.._ _a. .��;£t�,u�<:.:�., ^':c:_..�..c a .. +����� J.11• Eligibility (1) The Cauncil of the City oP �ted h�eunderhi.nea hm�anerethathprecludes indi- determinin8 eli�ri.bi7.3.ty for the effip1�oYees vidual selection. (2) The effective date of the emploYee's i.nsurance, who is required to i�rnish e�ridence of insurabi7.3ty, shall bP the date of app]ication of e�ployee if such evidmce of insurability is accepted. Such cov�xage will be provided wi�thout charge �or any �.ni.tial partia.t month. V. , Administrator The Kinnesota l�ztual Life Insurance Compa�r is the Rdmin3.strator who keeps �,.Ll the records o� a71 those insured und�r the p].an, bi]1 the City mpnthly for prem3.ums due, including '� a1]. e�xployee-pairi premi.ums, on an i�esni.zed statement showing all�departments, bureaus, names ; oP emplA3rees and coverages psovided, colleet the gremi'ums and disburse them to the other � carriers. Sa3.d Adm.inistrator is reimUursed. for these services on a p�rcenta8e basis of pr�si.u�ns � disbursed to the carri�rs. i a m i •1. • �4 � � Certificates for In.sured. Persons (1) The company wi11- issue � the policyholder for delivery to each insured. Pe�son individual certificates setting forth a statesnent as to the i.nsurance protection to which the inswred perFOn is entitled and to whom indemnities provided by the polieies are payable. � � VII. _ Clerical Error (1) Clerical error upon the part of the policyholder or insurer sha11 not prejudice the i.nsurance of a,r�Y insured. perS°n�o�ro herw3.ecterminate�underetheeterms ofcthis ��Y insured person beyond the date it except for errox. '•, . YZII. ;� _ No La�se of Benefits The successfl.il. bidder here�under shaL1 automatica,lly assume all areas of risk in such a manner that no person _sha11 be deni.ed or afforded. benefits and�or cov�ages solely by reason o�' a change of insurers. In the event o�' any questionable claa.ms urui.er thi.s clause,. the�ouc= ftx]. bidder shall pay the cl.a,im subject to the right of negotiation and subrogation of p� covexage holder. :� - 3 - � � � ... ,..._. ,;s . . . �;.::,,.,_._, _.... ..,.�_�- . . - � +..:.<� __��.�., u.:.�:,, ww.- ..�.�:�.,. > �; .. . . . w.d_..�...::tr.»�u�..:�:.s_>,_.t._.�... ' • • • � ������'� . �� � There are current�y 1Q06 empleyees in�ured vnder the long term dis- ability contract. Attached please find: (a,) �xperience. . January 1, 1.969 to �+ 31� 197�+• (b) Specixien of present insurance (c) Qtwtation for bidder to comple�e. � I ! (d) Ftetention �xhibit for bidder tn complete. 1 :, :� ;?� ' �� � _ . . r� ;� � �� � - �+ - ,`,� ;':t . �:i, �.' •�^ � Y.f:,� ... . . . .� l ... � . � , � �,�� � .� � i '_r Y.� 8 o k�ry ry '.nr'��O � ��o 'e^I�.r1 i��� n G NV G o �y=1 � � �.T� b n f �r� :i�. �. o •n u �. 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M � O y.:^.n ` !> .G-.. y v D :w S�- .i F O 6 5• ? � V ", 1 �. . ^ � �; o [ C � 2 f} � � r' o o ,^, F �;� � �.°. n'u O _, .G. � ^ � �'< � � n � ° d „ s�' � � � � � " N � � ~7. � j �� � � 0.�'� � �,� � � � c� � 's . �; '_ n' y o u p n ? � 4 v cT O �.u p N n :i n �y ^ o 'T M � � n� � � M1 C » cl'^7` 0..y ` nw 6 n O ..' :J w ?-ni ft :3 C N O u M � � n a rl ' a O ^ 7� � O .7 :=.n � n n •L 'd SY � o ti a � ����'d � � b ;M ;. � a ,.�� r o � o s �� n� � a � $a j � n 'AU ry �•N°:p N n m �^y ;.�.✓a �,� �� �'^ C a ,N � O t� J o� . . � " ra a ti x�,� 0 5 a� o'� � G -- '"'^ a .� �8 9 g o $ � � - 7' '�^ J .�. _�~ � oS ii c �`�n .., n n u � � a� , � � � :N w, �u 7 . � . �n �� :J • 6 w . ] `n'7 � .0. �,� �.0. '.�. f � a�. 4 � n O-�i J 6 ro r7j• j.G n�� a 7 !1 n O' n d0 � C p ''' oo �' ] � ^°' '�' n " °�i ° o ' ' n Nn �'� '�p�o� z. � ga . C n { 'l �T� O O � o J V G G n ° J u � � ::7 � O'f�� . O ' � � �' `=.,; n a� ^ ., n� 3 d ° � '' 3 " � ,y �� � ^ " ° � "� N ` ° ° � "�� "� N � ^ �: V:� R n o :? ;�'.. ^ � 0 a 5; 'r � ; a y• « , . ^ O pi 7.� n � � r O � O d �� y y n'M [�,ri' � � ' � �� n :i' '^ .»^O . G ii � �� p,fti ^ � 6� � n •.; R �� . . ' a . t� '•' � n :r J .1 . .7, , f+ �� : , : � °-`r� �- p' ?; r h '� � u �•U ° � M ��r � ^��� �� � n �. '�.n ro '" �; 3i � � ,r. e. � � ;; •• � 5• ;r �:N �_ -� v j -��N �ri p a O'(Y� + � .I�.. L � O (' PJ Q .wj 6 y Il A • � A 5' 7 J�. G.:� 7 n w r . . r. . . _ ... .,. � . . -. . '� r�-.a,�„�...�:. . ._ ... _....:... ...... , •• + ' ������ IAgiG T�KM 1?I5�►BILiiJt il�a"VR�I�•,CE 4 000 or more aa�..rivallY in the City of Saint Paul p11, it�.11-time �.ctive employeea e�xxiing $ s QgeB 1$ to 64 are eligible to apply for the �'ollowing long term dis�,bility plan. Evidence is required oP all eligible e�ployees who enroll except for �TM n,�m�m ofs$100�and. sub3ect to• �onthly b�nefita can be purrhe.sed ixf $50 units subject to a the follow-ing mud�zuns: AnnuaY� Maxi.mum 2�nthly Benefit $4,000 - $7,� $3�,�pp ,001 - �� �450 ,001 - ��444 , �5� g,ooi - $�.o,o00 �5� $10,001 - $].1.,000 $u.,00i - $i2,000 $650 $]2,001 - $13,� �� $13�oai - $i4,000 �� • $14,001 - $1�,0�� $�5�00� - $i6,000 $85� $i6,00i - $17,� �9� . $1.7,001 - $18,000 950 $18,001 - $1g,000 �1��� . $z9,00i - $20,000 II Should the �ployee be eli�3.ble for sala,zy benefits from Worlunen's CompensatL on, the dis- � abil3.ty },arovisions of the Social Security As:t (both PrimarY and fa�.ly�� Rai]soad Re�tisement � Act or ar�y Vetexa:is Admini.stration DisabilitY �'rovision, �'u'�lic �.ploYees Reti�'sment Associ- ation, and any other governmental retirement plar�, his Monthly Bene�it under this plan will � be reduced t�y the amount oP these benefits pai.d or payable to the ext�nt that th�se benef`i.ts plus his Monthly Benefit under this �lan exceed his allo�rable �1� �nthly Benex"it for his � Annua�], Sa7.axy, in accordanae with the Ss�.lary @uali�ication Sche3ule9 hoxever, a mins.mu�n Ybnthly Benefit of $50 is gu.aranteed Payable. The benetits begin on the 181st day of total d.�sability and are p�.id up to age 65 for sick- ness and lifetime in the case of accident. Premiwns az'e wa.ived during peri°d benefits are bein� paid. Reoc�urr3.ng disabilitieW shall be deemed a continuation of the prior disability unless between such pexiods �.n emp1oyee hai..s performed. the duties of his re�ul.ar occupation on a continuous basis for at lea.st six months. , Total disability means the inability sP an employee to engage in business or occupation o£ any kind f.or which the employee is reasonably fitted. by educa�tian, trai.ning, or egperience. � �Q TATION � I�DNTHLY BEN�FIT RATE P'ER 2�NTIi a . _ , ..� � $100 to $1,000. Rate far each $50 benefit $, ,:,�� ,� � _� � _ 5 _ .� � :� � � � . � ., + �,�_.���.x�. . ,. .,.,.� ,.�...�. � . � ��.::���. :., ,:.,. . �. _.. . . . . �.._ ... r.,. _ ._,�.��,ti �.�.. . _,._�. . . , , M� f City of Saint �aul, 2�.nnesota : geal.th and Welfare Specifications Retentions Exhibit First Second ��'d Yea�r Year Year Gross Pre�mi.um� • 20'� $2p,000 Actual Cl.a,ims Paid --.--�.20'��—' � Gross Profit o Ite�n.ized Expe�ases Comunissi.ons Cla3m bcPe�se Taxes ' Administr�.tion Records and B;�� Other r'�pense Company ProPit ! Incurred but unpaid -- � Claim Reserve — � � Aet Frofit • ALt retention e�chibits sha71 be f3.gure nwith�h��ioenXS�of�cla.i.m per�d hosuld berenteg'ed in All 3t�s nat guaranteed refundable upo exP ,rOther �x'pense". This policY shal]- be exPerience rated a�d ghret oactivelrteduc ion in Pre�ium. There�s�hs�'L1 � � the poliey holder eithe:e as a dividend or be no assessment or retroactive rate i.ncsease in the ev'ent of a net loss. � e� _ 6 _ . :� ,x