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Home My WebLink AboutC36760 - City Insurance Products - The Hartford CONTRACT NO. C36760 C-1 STAFF REPORT Ate,_ -k W CITY OF PALM DESERT ADMINISTRATIVE SERVICES MEETING DATE: February 22, 2018 PREPARED BY: Lori Carney, Director of Administrative Services REQUEST: Approve the selection of The Hartford as the City's provider for Life, Accidental Death & Dismemberment, Long Term Disability and Short Term Disability insurance products, and authorize the City Manager to execute an application for coverage and related agreements necessary to effectuate this request. Recommendation Approve the selection of The Hartford as the City's provider for Life, Accidental Death & Dismemberment, Long Term Disability and Short Term Disability insurance products, and authorize the City Manager to execute an application for coverage and related agreements necessary to effectuate this request. Strategic Plan This is not specifically addressed in the Strategic Plan, however it supports the goal of prudent fiscal stewardship while providing appropriate and attractive employment benefits. Background Analysis In July 2004 the City entered into a contract with The Standard (StanCorp Financial Group, Inc.) to provide employees with insurance coverage for Life, Accidental Death and Dismemberment (AD&D), and Long Term Disability (LTD). In 2008 that contract was expanded to include voluntary Short Term Disability (STD) plans that employees could purchase. Late in 2017 staff engaged the City's insurance brokerage, USI Insurance Services, to survey the market and request quotes for these products. They obtained proposals from four companies: The Standard, Lincoln, Hartford and Mutual of Omaha. Each of these companies has an A.M. Best Rating of A+ and is qualified to provide these products. They prepared a comparison (Exhibit "A") and staff has reviewed them. The Hartford offered significantly lower rates for each insurance product, along with some benefit enhancements such as improved coordination of benefits, return to work program, and specified illness (typically cancers) coverage. They also offer a lower rate for STD policies, which will benefit employees because they pay for this coverage themselves. March 8, 2018 - Staff Report Approve Agreement —The Hartford Insurance, Life, AD&D, LTD & STD Page 2 of 2 Staff requests approval to enter into a new contract with The Hartford for these benefits, with a target implementation date of April 1, 2018 and to authorize the City Manager to execute the agreement and take any steps necessary to effectuate this action. Fiscal Analysis This action will reduce costs and provide savings of approximately $50,000 annually, prorated to $12,000 in the first year. LEGAL REVIEW DEPT. REVIEW FINANCIAL REVIEW CITY MANAGER N/A 6tirtei'56 -4-Ae Lori Carney Robert W. 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S 01 El c o O N n O a) O „ v �. p o m zEn O i fl n D D ., CZ z ♦ & 0 a m 3 c v m O p Fr D c 3 ro H 0o O N 5 a m F o s c ° r m a o . CD 3 0 O- W 3 • m F S a o c 0 o C -o �. o a � F CD a • a m IT m 0 CD • 5. M • n a ° C Q ✓ CD m C.. 0) v 3 0) m Z7 O n a C �+K fl j' R. O CD � 3 R - D a v O `CD c U) 3 r w c O C O 3 N ✓ U) < m o < o• C O N r 3 c ✓ N C e CD a �. ✓ s. c t, • ao m • m O 7 n • o ao CD• n rD O 0, fD O_ HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY P.O.Box 2999 Hartford,CT 06104-2999 NAIC Number 70815 .000 Hartford Life GROUP INSURANCE APPLICATION Application is hereby made to Hartford Life and Accident Insurance Company("HLA")on the basis of the information contained in this application,the group risk specifications,the enrollment data,and available experience data. The application in its entirety,and any required additional information,is subject to Home Office approval before insurance can become effective. If this application is approved by HLA's Home Office,it will be attached to and made part of the Group Policy(ies). Insurance will become effective on the requested effective date shown below,unless HLA sends written notice of a different effective date. If this application is not approved by HLA's Home Office,no insurance is in effect at any time,and any deposit premium HLA has received will be returned. This application is made with the following deposit premium.The premium amount is estimated,as the amount due for the first month,and will be applied toward the first premium on the proposed Group Policy(ies): $ If any insurance requires employee contributions,any underwriting requirements for enrollment must be met before insurance can become effective. Requested effective date: 3/1/2018 Coverages being applied for: ✓ Life ✓ AD&D ✓ Short Term Disability ✓ Long Term Disability Other: W-2 Services Option(for Short Term Disability and Long Term Disability coverage only) ✓ Option 1: Withhold state and federal income taxes,and the employee's portion of FICA. Prepare and file W-2 Forms. Option 2: Withhold federal income taxes,and the employee's portion of FICA. Applicant waives W-2 Forms services. A detailed description of the W-2 services elected by applicant pursuant to this application will be sent to the applicant via mail. Such services will be performed in accordance with the above election and established standard procedures. Are there any companies that are subsidiaries or affiliates of the applicant,which are also to be insured? If yes,please furnish a listing,giving the name,address,effective date of coverage,and number of employees for each such company. Yes X No Is the benefit plan,for which insurance is being requested,subject to the requirements of the Employee Retirement Income Security Act of 1974("ERISA"),as amended? Yes X No If yes, identify the Plan Number: Sales Representative for HLA: Kern Weinstock Regional Office: Los Angeles Name of Agent/Broker: USI Insurance Services For Applicant: City of Palm Desert �-> Legal Name of Entity /� s,Signature 1 3' Date Act cct 1��/�)/ \ I n- i c`�I" 95-2859459 c Name and Title of Authorized Signer Employer Tax ID No. GR-12100-0 HLA (L/D) Please see the next page for important information on disclosure Group Benefits Disclosure Notice The Hartford compensates both internal and external producers for the sale and service of our products. In most cases, producers are paid a commission, which is fixed or based on a percentage of the premium. In addition, producers may be eligible for various forms of incentive compensation, including contingent commission and other non-cash awards. Incentive compensation is based upon a variety of factors that may include the level of premium written, retention and growth of premium, overall profitability, or other performance measures. Some of our producers elect not to accept some or all forms of compensation from The Hartford. Please direct specific questions regarding your insurance producer's compensation directly to your insurance producer. For specific questions on The Hartford's internal producers, please contact our Customer Service 800 number (800-523-2233).