8F
Date: September 9, 2025
To: Honorable Mayor and Members of the City Council
From: Hedieh Khajavi, Human Resources Director
By: Alfredo Melgoza, Principal Human Resource Analyst | [email protected] Subject: Human Resources – Approve Insurance Agreement and Rates for Life/Accidental Death and Dismemberment (AD&D), Short-Term Disability (STD), Long-Term Disability (LTD) Insurance, Dental Insurance, Vision Insurance, Employee Assistance Program, Flexible Spending Account, COBRA, and Retiree Administration. Expenditure: Approximately $3,976,927 (General Fund and Non- General Fund: $2,413,239 Annually).
RECOMMENDATION
Recommendation of the Human Resources Director that City Council:
1.Approve the Standard to provide Term Life/Accidental Death and Dismemberment (AD&D), Short-Term Disability (STD), and Long-Term Disability (LTD) insurance to eligible employees effective January 1, 2026; and
2.Approve the proposed rate of $0.20 per $1,000 of payroll for term life insurance and $0.020 per $1,000 for AD&D, for a combined rate of $0.220 per $1,000 of volume for an estimated total expenditure of $226,204 per year for a one-year period beginning January 1, 2026 and ending December 31, 2026; and
3.Approve the proposed rate of $0.710 per $100 of covered payroll for STD insurance for an estimated total expenditure of $519,554 per year for a one-year period beginning January 1, 2026 and ending December 31, 2026; and
4.Approve the proposed rate of $0.546 per $100 of covered payroll for LTD insurance for employees represented by TME-AFSCME/TLEA, and $0.278 per $100 of covered payroll for executive, management, and general employees not represented by TME- AFSCME/TLEA for a combined estimated total expenditure of $259,610 per year for a one-year period beginning January 1, 2026 and ending December 31, 2026; and
5.Approve the selection of Delta Dental of San Francisco, CA to provide dental insurance at the proposed rates for active employee insurance and group rates for Preferred Provider Organization (PPO) dental coverage at $35.15 single party, $70.31 two-party, and $121.29 family; and Dental Health Maintenance Organization (DHMO) group rates at $16.60 single party, $29.96 two-party, and $44.31 family for a combined estimated total expenditure of $1,093,381 per year for a two-year period beginning January 1, 2026 and ending December 31, 2027; and
6.Approve the selection of Delta Dental of San Francisco, CA to provide dental insurance at the proposed rates for retiree insurance and group rates for Preferred Provider Organization (PPO) dental coverage at $50.16 single party, $100.31 two-party, and $173.03 family; and DHMO group rates at $16.60 single party, $29.96 two-party, and 1 City Council
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9 $44.31 family for a combined estimated total expenditure of $158,673 per year for a two-year period beginning January 1, 2026 and ending December 31, 2027; and
7. Approve the selection of Anthem Blue Cross of California of Woodland Hills, CA to provide vision insurance at the proposed rates for eligible active employees effective January 1, 2026; and approve an agreement for active employee insurance and group rates for Anthem Blue Cross Base Plan at $3.06 single party, $5.78 two-party, and $8.45 family; and Anthem Buy-Up group rates at $7.53 single party, $14.21 two-party, and $20.80 family for a combined estimated total expenditure of $110,210 per year for a three-year period beginning January 1, 2026 and ending December 31, 2028; and
8. Approve the selection of Anthem Blue Cross of California of Woodland Hills, CA to provide vision insurance at the proposed rates for eligible retirees effective January 1, 2026; and approve an agreement for retiree insurance and group rates for the Anthem Base Plan at $3.06 single party, $5.78 two-party, and $8.45 family; and the Anthem Buy-Up group rates at $7.53 single party, $14.21 two-party, and $20.80 family for a combined estimated total expenditure of $9,404 per year for a three-year period beginning January 1, 2026 and ending December 31, 2028; and
9. Approve the selection of Aetna Resources for Living (RFL) of San Diego, CA to provide Employee Assistance Program at the proposed rate for eligible employees including the City’s Part Time and Recurrent Employees at $1.72 per employee per month effective January 1, 2026 for an estimated total expenditure of $36,203 per year for a three-year period beginning January 1, 2026 and ending December 31, 2028.
FUNDING
Funding is available in the General Fund and Non-General Fund’s fiscal year 2025-26 operating budgets and is expected to be available in subsequent years.
DISCUSSION
Life/AD&D, STD, and LTD Insurance
The City’s contract for Life/AD&D, STD, and LTD insurance coverage for eligible employees is set to expire on December 31, 2025. Human Resources staff worked with the City’s benefits broker, USI, to obtain proposals from insurance carriers. This effort was initiated in July 2025 in preparation for the expiring contract on December 31, 2025. Seven (7) carriers were invited to submit quotes. All seven (7) carriers submitted quotes. Of those seven quotes, four (4) were deemed to be not competitive by USI due to the large increase in rates when compared to what the City currently pays. A summary of the carriers invited to participate and the responses are included as attachments.
The recommendation to continue with the Standard as the carrier of Life/AD&D, STD, and LTD Insurance for employees is based on the following factors:
• The Standard proposed an overall increase of 19.4% to total benefit package costs. Within this increase is a 16.2% increase to Life/AD&D, negotiated down from 21.6%, 10.9% to STD, and 7.0% to LTD. The increase to Life/AD&D equates to a $0.03 per $1000 of volume increase to the rate, which was due to the high number of life insurance claims that have been paid out to former City employees’ beneficiaries. The increase for STD and LTD was due to the high number of disability claims incurred by employees of the City since the beginning of the last contract period.
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9 • The Standard provides a tenured and responsive account manager to the City. It has been the experience of Human Resources staff and employees that the features offered by the Standard ensure timely resolution of claim issues and administrative matters. • The Standard continues to offer excellent customer service.
Please note the following:
• Safety employees do not participate in City-provided STD and LTD insurance through the Standard. They have separate plans provided through their union organizations. • Retiree coverage reflected in the attachments for Life insurance are of no cost to the City.
Should a retiree elect coverage, they are billed directly for their insurance selections.
Dental Insurance
The City’s contract for dental insurance coverage for eligible employees is set to expire on December 31, 2025. For over 40 years, Delta Dental has been the dental insurance provider for the City. Delta Dental has provided good service for the employees, and rarely does Human Resources receive a complaint about customer service from Delta Dental.
Human Resources staff worked with the City’s benefits broker, USI, to obtain proposals from dental insurance carriers. This effort was initiated in July 2025 in preparation for the expiring contract on December 31, 2025. Ten (10) carriers were invited to submit quotes. Seven (7) carriers declined to participate, and three (3) carriers submitted quotes. A summary of the carriers invited to participate and the responses are included as attachments.
The recommendation to retain Delta Dental as the carrier of group dental insurance for employees is based on the following factors:
• Delta Dental proposed a 4.3% increase ($49,043 annually) to the PPO plan and a 0% renewal action to the DHMO plan.
• Delta Dental benefits were comparable with other competitive carrier proposals. • Delta Dental offers a large network of dentists and has rendered satisfactory services on claim handling and other administrative services. Continuing services with Delta Dental will result in no disruption in selected dental providers for City employees. • Delta Dental provides a dedicated account manager as well as a group of administrative support personnel.
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9 Vision Insurance
The City’s contract for vision insurance coverage for eligible employees is set to expire on December 31, 2025. Anthem has been the vision insurance provider for the City since 2023.
Human Resources staff worked with the City’s benefits broker, USI, to obtain proposals from vision insurance carriers. This effort was initiated in July 2025 in preparation for the expiring contract on December 31, 2025. Eight (8) carriers were invited to submit quotes. Three (3) carriers declined to participate. Of the five (5) carriers that submitted quotes, two (2) were deemed to be not competitive by USI due to the large increase in rates when compared to what the City currently pays. A summary of the carriers invited to participate and the responses are included as attachments.
The recommendation to retain Anthem as the carrier of group vision insurance for employees is based on the following factors:
• Anthem proposed an 8% decrease ($10,541 annually) for active and retiree coverage.
Employee Assistance Program
The City’s contract for Employee Assistance Program coverage for eligible employees is set to expire on December 31, 2025. For over 15 years, Aetna Resources for Living (RFL) has been the Employee Assistance Program provider for the City. Aetna RFL has provided good service for the employees. There have been no service issues with Aetna Resources for Living.
Human Resources staff worked with the City’s benefits broker, USI, to obtain proposals from Employee Assistance Program carriers. This effort was initiated in July 2025 in preparation for the expiring contract on December 31, 2025. Six (6) carriers were invited to submit quotes. One (1) carrier declined to quote. Of the five quotes received one (1) was deemed to be uncompetitive and four (4) are shown in the presentation. A summary of the carriers invited to participate and the responses are included as attachments.
The recommendation to retain Aetna RFL as the carrier for the Employee Assistance Program for employees and eligible retirees is based on the following factors:
• Aetna RFL proposed a 1.2% rate increase ($421 annually) to cover full-time employees.
Prior to the expiration of the agreements with The Standard, Delta Dental, Anthem, Aetna and TAG, Human Resources staff will again seek updated rates for Life/AD&D, STD, LTD dental insurance through the RFP process.
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9 ATTACHMENTS
1. Dental Cost Summary
2. Delta PPO Financials
3. Dental PPO Benefits Comparison
4. Delta DHMO Financials
5. Dental DHMO Benefits Comparison
6. EAP Financials
7. EAP Benefit Comparison
8. Vision Cost Summary
9. Vision Financials
10. Vision Benefit Comparison
11. Life AD&D & Disability Cost Summary
12. Life AD&D Financials
13. Life AD&D Benefits Comparison
14. Long Term Disability Financials
15. Long Term Disability Benefits Comparison
16. Short Term Disability Financials
17. Short Term Disability Benefits Comparison
18. Voluntary Life AD&D Financials
19. Voluntary Life AD&D Benefits Comparison
5 | 27
Dental PPO and DHMO Annual Cost Summary
Carriers Current Delta Dental Negotiated Delta Dental Proposed MetLife Proposed Humana Dental PPO $1,145,595 $1,194,638 $1,288,321 $1,349,174
Dental DHMO $57,415 $57,415 $57,415 $60,386
Annual Total $1,203,011 $1,252,053 $1,345,737 $1,409,560 $ Change to Current $49,043 $142,726 $206,549
% Change to Current 4.1% 11.9% 17.2%
Rate Guarantee Until 1/1/2026 until 1/1/2027 PPO: until 1/1/2027 DHMO: Until 1/1/2028
until 1/1/2028
6 ATTACHMENT 1
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Dental PPO Financials
Dental PPO Actives
Enrolled
Retirees
Enrolled
Current Active
Delta Dental
Current Retiree
Delta Dental
Renewal Active
Delta Dental
Renewal Retiree
Delta Dental
Proposed Active
MetLife
Proposed Retiree
MetLIfe
Proposed Active
Humana
Proposed Retiree
Humana
Employee 511 76 $33.71 $48.10 $35.15 $50.16 $37.91 $54.09 $39.70 $56.65 Employee + 1 Dependent 321 49 $67.42 $96.19 $70.31 $100.31 $75.82 $108.18 $79.40 $113.28 Employee + Family 379 25 $116.31 $165.93 $121.29 $173.03 $130.80 $186.60 $136.98 $195.42 Monthly Cost 1,211 150 $82,949 $12,517 $86,500 $13,053 $93,283 $14,077 $97,690 $14,742 Annual Cost $995,389 $150,206 $1,038,001 $156,637 $1,119,401 $168,920 $1,172,274 $176,899 Total Annual Cost $1,145,595 $1,194,638 $1,288,321 $1,349,174 $ Change to Current $49,043 $142,726 $203,578
% Change to Current 4.3% 12.5% 17.8%
Rate Guarantee Until 1/1/2027
7% Rate Cap for Two Years afterUntil 1/1/2026 Until 1/1/2028 Until 1/1/2028 7 ATTACHMENT 2
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Dental PPO Benefits Comparison
Benefit Outline
PPO NON PPO PPO NON PPO PPO NON PPO
Calendar Year Deductible (Ind/Family) $40/$120 $50/$150 $40/$120 $50/$150 $40/$120 $50/$150 Waived for Preventive & Diagnostic
Cal. Year Maximum Per Individual
D&P Services Count Towards Cal Yr
Maximum? Yes No No Yes No No
Out of Network Reimbursement n/a
Premier: Premier
contracted fees
Non-Delta: 55th
percentile of UCR
n/a Non-PPO: 90th
percentile of UCR n/a Non-PPO: 90th
percentile of UCR
Full Coordination of Benefits Yes Yes
Exam (2 per calendar year) ; 100% 80% 100% 80% 100% 80% X-rays 100% 80% 100% 80% 100% 80%
Bitewings
2 per cal year for
children to age 18; 1
time per cal year for
adults over 18
2 per cal year for
children to age 18; 1
time per cal year for
adults over 18
2 per cal year for
children to age 18; 1
time per cal year for
adults over 18
2 per cal year for
children to age 18; 1
time per cal year for
adults over 18
2 sets per year - no age
restrictions
2 sets per year - no age
restrictions
Full mouth/Panoramic Once every 5 years Once every 5 years Once every 5 years Once every 5 years 1 per 5 years 1 per 5 years Prophylaxis 2 per calendar year 100% 80% 100% 80% 100% 80% Filling - Amalgam, Silicate or Composite
(Resin) and sealants 80% 80% 80% 80% 80% 80%
Oral Surgery : extractions, pre- and post-
operative care
Endodontics: root canal therapy
Periodontic Services
scaling and root planing; 1 per quadrant
each 24 mo period
80% 80% 80% 80% 80% 80%
Major Services
Crowns, onlays, inlays and cast
restorations: once every 5 yrs 50% 50% 50% 50% 50% 50%
Prosthodontic: construction or repair of
bridges, partial or complete dentures
once every 5 years
50% 50% 50% 50% 50% 50%
Implants: surgical replacement and
removal and supported prosthetics
including repair and re-cementation;
once every 5 years
50% 50% 50% 50% 50% 50%
Orthodontic Services
Orthodontia Benefit (Dependent
Child(ren) to age 26
50% up to $2,000 lifetime
max benefit
50% up to $2,000 lifetime
max benefit
50% up to $2,000 lifetime
max benefit
50% up to $2,000 lifetime
max benefit
50% up to $2,000 lifetime
max benefit
50% up to $2,000 lifetime
max benefit
Current Delta Dental Proposed MetLife PPO
Yes Yes
$1,500 $1,500
YesYes
Preventive/Diagnostic Services
80% 80% 80% 80% 80%
Proposed Humana PPO
Yes
$1,500
80%
8 ATTACHMENT 3
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Dental DHMO Financials
Dental DHMO Active Retiree Current Active
Delta
Current
Retiree Delta
Renewal Active
Delta
Renewal Retiree
Delta
Proposed Active
MetLife
Proposed Retiree
MetLife
Proposed Active
Humana
Proposed Retiree
Humana
Employee 128 3 $16.60 $16.60 $16.60 $16.60 $16.60 $16.60 $15.69 $15.69 Employee + 1 Dependent 21 4 $29.96 $29.96 $29.96 $29.96 $29.96 $29.96 $33.71 $33.71 Employee + Family 42 0 $44.31 $44.31 $44.31 $44.31 $44.31 $44.31 $50.81 $50.81 Monthly Cost 191 7 $4,615 $170 $4,615 $170 $4,615 $170 $4,850 $182 Annual Cost $55,380 $2,036 $55,380 $2,036 $55,380 $2,036 $58,203 $2,183 Total Annual Cost $57,415 $57,415 $57,415 $60,386
$ Change to Current $0 $0 $2,970
% Change to Current 0.0% 0.0% 5.2%
Rate Guarantee Until 1/1/2028Until 1/1/2028
7% Rate Cap for One Year afterUntil 1/1/2028Until 1/1/2026 9 ATTACHMENT 4
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Dental DHMO Benefits Comparison
Benefit Outline Current DeltaCare DHMO CA10A Proposed MetLife DHMO Proposed Humana DHMO Office Visit Copay $0 $5 $0
D0120 Periodic Oral Eval. $0 $0 $0
D1110 Prophylaxis - Adult (Cleaning) $0 $0 $0
Additional cleaning $45 $20 $45
D1120 Prophylaxis - Child (Cleaning) $0 $0 $0
Additional cleaning $35 $15 $35
D2330 Composite Filling - Anterior $0 $0 $0
D2391 Composite Filling - Posterior $45 $25 $45
D2740 Crown - Porcelain / Ceramic $195 $225 $70
D2750 Crown - Porcelain Fused to Metal $195 $100 $70
D3330 Endodontic Therapy - Molar $205 $95 $100
D4341 Periodontal Scaling & Planing $0 $25 $20
D7210 Removal of Erupted Tooth $15 $15 $15
D8080 Comprehensive Ortho. - Child $1,700 $1,450 $1,550 D8090 Comprehensive Ortho. - Adult $1,900 $1,450 $1,695 Pediatric Dentist maximum age To age 13 - must be referred To Age 8 - must be referred To Age 6 Ortho takeover Provision not applicable - inforce Yes Process handled with Humana and Liberty Dental
Additional Cleaning $45 copay: adult
$35 copay: child
$20 copay: adult
$15 copay: child
$45 copay: adult
$35 copay: child
Missing tooth exclusion None None None
This is only a summary of benefits. Please refer to the carrier documents for details. 10 ATTACHMENT 5
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EAP Financials
Employee Assistance Program Current Aetna
w/Talkspace
Renewal Aetna
w/Talkspace Proposed Telus Proposed Magellan Proposed Concern Number of Employees 1,754 1,754 1,754 1,754 1,754
PEPM Fee $1.70 $1.72 $1.72 $2.37 $2.67
Monthly Cost $2,982 $3,017 $3,017 $4,157 $4,683
Annual Cost $35,782 $36,203 $36,203 $49,884 $56,198
$ Change to Current $421 $421 $14,102 $20,417
% Change to Current 1.2% 1.2% 39.4% 57.1%
Rate Guarantee Until 1/1/2026 Until 1/1/2029 Until 1/1/2029 Until 1/1/2029 Until 1/1/2027 11 ATTACHMENT 6
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EAP Benefit Comparison
Benefit Outline Current Aetna RFL Proposed Telus
Eligibility Employees of the City, their dependents (children to age 26), and household members including domestic partners - City dictates eligibility
Employees of the City, their dependents (children to age 26), and household members including domestic partners - City dictates eligibility
Number of In-Person Counseling Sessions 5 Per Issue Per Individual Per Year 15 Sessions Telephonic Assessment and Referrals Unlimited Unlimited Video Counseling (counts towards 5 sessions) Included Inlcuded Mobile App Included - Aetna RFL app, Talkspace app for online therapy, myStrength app Wellness Platform services offering social streams, wellbeing challenges (activity tracker, fitness/health/nutrition competitions), manual activity tracking, automated activity tracking, events, community groups, rewards & incentives, wellbeing survey, content library, and more.
Health risk assessment is inlcuded as well as a digital suicide risk assessment.
Chat Included Inlcuded
Child Care / Elder Care / Pet Care Referrals Included Included ID Theft Services Included Included
Financial Consultation Included Included
Legal Consultation Included Included
Annual Bank of Hours 8 hours 10 hours
Self-Service Scheduling/automated authorizations Included - Access Plus Included Critical Incident
Unlimited standard response (response great than 2 hours), limited to 10 hours per incident; if more hours needed then $250/hour + travel and prep of $150/location. If immediate response (w/in 2 hours) is needed then $350 per hour + travel and prep of $150/location up to 10 hours. $375 cancellation fee.
Unlimited standard response. 3 hours included annually. $375 per hour for additional hours plus travel fees.
Reduction in Workforce (Non Urgent) $250 per hour plus travel and prep of $150 per location; $375 cancellation fee. Inlcuded, unlimited for virtual and telephonic.
Management Consult (Telephonic) Included Unlimited standard response.
Mandatory Referrals Included Unlimited
Supervisory/Mgmt. Orientations Included in annual bank of hours Unlimited Employee Orientations Included in annual bank of hours Inlcuded Substance Abuse Professional (SAP) Case
Management 2 SAP/DOT cases included per year; if add'l is needed then FFS: $750 per case. $750 per case *Annual Contract Hours (If City requests services that
exceed the Annual Bank of Hours for
trainings/benefit fairs/orientations then fee for
service charges will apply.)
For on-site or web-based seminars up to 50 participants; webinars w/over 50 will be an add'l $25 for each add'l 25 participants up to max of 200 participants. Add'l training/education sessions are $250 per hour for time educator is on-site plus travel and prep expenses of $150/location. $375 cancellation fee.
Complementary monthly webinars are inlcuded.
Utilization Report Frequency Quarterly Monthly with access to on demand, real time analytics in addition to platform reporting, ROI reporting and TWI reporting.
Communications Included Included Platform includes a social communcation feed.
Newsletters Electronic quarterly newsletters and electronic monthly member newsletters are included via email and are posted to the RFL website. Monthly newsletter inlcuded *Annual Bank of Training Hours Apply To:
Bank of 8 hours for on-site or web-based seminars up to 50 participants; webinars w/ over 50 will be add'l $25 for each add'l 25 participants up to max of 200 participants. Add'l training/education sessions are $250 per hour for time; if educator is on-site plus travel and prep expenses of $150/location. $375 cancellation fee. In addition, free live weekly webinars are available on the RFL website and archived for each access.
Bank of hours for virtual, web based awareness trainings. TELUS Health’s Learning solutions (“THL”) services provide industry-leading learning and development programs that support the four pillars of total well-being: mental, physical, financial, and social well-being. The TELUS Health Learning services are delivered virtually through TELUS Health’s international network of expert facilitators and e-learning platforms. https://learning.telushealth.com/us/ This is only a summary of benefits. Please refer to the carrier documents for details. 12 ATTACHMENT 7
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Vision Annual Cost Summary
Carriers Current Anthem Negotiated Anthem Proposed EyeMed Proposed MetLife Vision - Base $64,425 $59,237 $54,353 $60,757
Vision - Buy-Up $66,731 $61,377 $54,510 $62,964
Annual Total $131,156 $120,614 $108,863 $123,721
$ Change to Current ($10,541) ($22,293) ($7,434)
% Change to Current -8.0% -17.0% -5.7%
Rate Guarantee until 1/1/2026 Until 1/1/2029 Until 1/1/2030 until 1/1/2028 13 ATTACHMENT 8
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Vision Financials
Vision (Actives) Base Buy-Up Current Anthem
Base
Current Anthem
Buy-Up
Renewal Anthem
Base
Renewal Anthem
Buy-Up
Proposed Base
EyeMed
Proposed Buy-Up
EyeMed
Proposed Base
MetLife
Proposed Buy-Up
MetLife
Employee 551 149 $3.33 $8.19 $3.06 $7.53 $2.81 $6.69 $3.14 $7.73 Employee + 1 Dependent 166 68 $6.28 $15.45 $5.78 $14.21 $5.30 $12.62 $5.92 $14.58 Employee + Family 219 129 $9.19 $22.61 $8.45 $20.80 $7.75 $18.47 $8.67 $21.33 Monthly Cost 936 346 $4,890 $5,188 $4,496 $4,771 $4,125 $4,238 $4,612 $4,895 Annual Cost $58,679 $62,251 $53,953 $57,257 $49,504 $50,851 $55,339 $58,737 Total Annual Cost $120,930 $111,210 $100,356 $114,076
$ Change to Current ($9,720) ($20,575) ($6,854)
% Change to Current -8.0% -17.0% -5.7%
Rate Guarantee
Vision (Retirees) Base Buy-Up Current Anthem
Base
Current Anthem
Buy-Up
Renewal Anthem
Base
Renewal Anthem
Buy-Up
Proposed Base
EyeMed
Proposed Buy-Up
EyeMed
Proposed Base
MetLife
Proposed Buy-Up
MetLife
Employee 65 9 $3.33 $8.19 $3.06 $7.53 $2.81 $6.69 $3.14 $7.73 Employee + 1 Dependent 33 15 $6.28 $15.45 $5.78 $14.21 $5.30 $12.62 $5.92 $14.58 Employee + Family 6 3 $9.19 $22.61 $8.45 $20.80 $7.75 $18.47 $8.67 $21.33 Monthly Cost 104 27 $479 $373 $440 $343 $404 $305 $451 $352 Annual Cost $5,746 $4,479 $5,284 $4,120 $4,849 $3,659 $5,418 $4,227 Total Annual Cost $10,225 $9,404 $8,508 $9,645
$ Change to Current ($822) ($1,718) ($581)
% Change to Current -8.0% -16.8% -5.7%
Rate Guarantee Until 1/1/2026 Until 1/1/2029 Until 1/1/2030 Until 1/1/2026 Until 1/1/2029 Until 1/1/2030 Until 1/1/2028 Until 1/1/2028
Notes:
Anthem – Negotiated renewal replaces the Insight with the Access network; Anthem identified one provider currently used is not in the Access network.
Eye Med – 1-800 Contacts is out of network but they have online resources. 14 ATTACHMENT 9
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Vision Benefit Comparison
Benefit Outline Current Anthem Vision- Base Current Anthem- Buy Up Proposed EyeMed - Base Proposed EyeMed - Buy Up Proposed MetLife - Base Proposed MetLife - Buy Up Exam Copay $10 $10 $10 (Waived with Plus Providers) $10 (Waived with Plus Providers) $10 $10 Materials Copay $10 $10 $10 $10 $10 $10
Exam $10 copay $10 copay $10 copay (Waived with Plus Providers) $10 copay (Waived with Plus Providers) $10 copay $10 copay Retinal Imaging Up to $39 Up to $39 Up to $39 Up to $39 Up to $39 Up to $39 Lenses
Single $10 copay $10 copay $10 $10 $10 copay $10 copay
Bifocal $10 copay $10 copay $10 $10 $10 copay $10 copay Trifocal $10 copay $10 copay $10 $10 $10 copay $10 copay Lenticular $10 copay $10 copay $10 $10 $10 copay $10 copay Polycarbonate - Pediatric (to age 19) $0 copay $0 copay $0 $0 covered in full covered in full Standard Progressive $65 copay $65 copay $75 $75 $55 $55 Frames Up to $100, 20% off balance Up to $150, 20% of balance Up to $100, 20% off balance Plus Provider up to $150, 20% off balance
Up to $150, 20% off balance
Plus Provider up to $200, 20% off balance $115 allowance, 20% off balance $150 allowance, 20% off balance Elective Contacts Standard & Premium contact lens: Up to $115, 15% off balance; fit and follow up: up to $55
Standard & Premium contact lens: Up to
$150, 15% off balance; fit and follow up:
up to $55
Standard & Premium contact lens: Up to
$115 ($165 with Plus Providers), 15% off
balance; fit and follow up: up to $40
Standard & Premium contact lens: Up to
$150 ($200 with Plus Providers), 15% off
balance; fit and follow up: up to $40
$115.00 $150.00
Lasik Surgery Discount Up to $800 Up to $800 15% off or 5% off promotional price 15% off or 5% off promotional price Savings averaging 15% off the regular price
or 5% off a promotional offer for laser
surgery including PRK, LASIK and Custom
LASIK. Offer is only available at MetLife
participating locations.
Savings averaging 15% off the regular price
or 5% off a promotional offer for laser
surgery including PRK, LASIK and Custom
LASIK. Offer is only available at MetLife
participating locations.
Benefit Frequencies (E / L / F / C) 12 / 24 / 24 / 24 12 / 12 / 12 / 12 12 / 24 / 24 / 24 12 / 12 / 12 / 12 12 / 24 / 24 / 24 12 / 12 / 12 / 12 Out of Network (OON) Benefits Please refer to the benefit summary for OON allowances
Please refer to the benefit summary for
OON allowances
Please refer to Proposal for OON
allowances
Please refer to Proposal for OON
allowances
Please refer to Cost & Benefit summary for
OON allowances
Please refer to Cost & Benefit summary for
OON allowances
This is only a summary of benefits. Out of Network Allowances are included in the EOC. Please refer to the carrier documents for details.
Notes:
Anthem – Negotiated renewal replaces Insight with Access; Anthem identified one provider currently used is not in the Access network.
Eye Med – 1-800 Contacts is out of network but they have online resources. 15 ATTACHMENT 10
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Life/AD&D & Disability Annual Cost Summary
Notes:
Standard is offering technology credits.
Hartford is offering a $10,000 implementation credit and performance guarantee.
Lincoln Financial is offering performance guarantee and states they have a partnership with ADP Vantage that may assist with the voluntary life EOI process.
Ochs STD and LTD are packaged; but life and accidental death and dismemberment are not part of that package.
Plans Current Standard Renewal Standard Negotiated Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Basic Life & AD&D $194,696 $236,706 $226,204 $194,696 $212,550 $194,696 Short Term Disability $468,331 $578,096 $519,554 $468,331 $468,331 $520,286 Long Term Disability $242,635 $266,898 $259,610 $194,108 $233,622 $291,849 Annual Cost $905,661 $1,081,700 $1,005,368 $857,134 $914,503 $1,006,831 $ Change to Current $176,039 $99,707 ($48,527) $8,842 $101,170 % Change to Current 19.4% 11.0% -5.4% 1.0% 11.2%
Rate Guarantee Until 1/1/2026 until 1/1/2028 until 1/1/2027 Life & LTD: Until
1/1/2029
STD: Until 1/1/2028
Until 1/1/2029 Until 1/1/2029
16 ATTACHMENT 11
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Life/AD&D Financials
Life and AD&D Current Standard Renewal Standard Negotiated Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Number of Employees Life: 1,570 AD&D: 1,256 Life: 1,570 AD&D: 1,256 Life: 1,570 AD&D: 1,256 Life: 1,570 AD&D: 1,256 Life: 1,570 AD&D: 1,256 Life: 1,570 AD&D: 1,256 Life Benefit Volume $87,522,500 $87,522,500 $87,522,500 $87,522,500 $87,522,500 $87,522,500 AD&D Benefit Volume $67,290,000 $67,290,000 $67,290,000 $67,290,000 $67,290,000 $67,290,000 Life Rate Per $1,000 $0.170 $0.210 $0.200 $0.170 $0.187 $0.170 AD&D Rate Per $1,000 $0.020 $0.020 $0.020 $0.020 $0.020 $0.020 Monthly Cost $16,225 $19,726 $18,850 $16,225 $17,713 $16,225 Annual Cost $194,696 $236,706 $226,204 $194,696 $212,550 $194,696 $ Change to Current $42,011 $31,508 $0 $17,855 $0
% Change to Current 21.6% 16.2% 0.0% 9.2% 0.0%
Rate Guarantee Until 1/1/2026 until 1/1/2028 until 1/1/2027 Until 1/1/2029 Until 1/1/2029 Until 1/1/2029 17 ATTACHMENT 12
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Life/AD&D Benefits Comparison
Benefit Outline Current/Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Contributory / Non-Contributory Non-Contributory Non-Contributory Non-Contributory Non-Contributory Benefit Amount - Life (Non-AFSCME) Non-AFSCME Non-AFSCME Non-AFSCME Non-AFSCME Class 1 $100,000 $100,000 $100,000 $100,000
Class 2 $50,000 $50,000 $50,000 $50,000
Class 3 $200,000 $200,000 $200,000 $200,000
Class 4 Amount at retirement Amount at retirement Amount at retirement Amount at retirement Class 5 $200,000 $200,000 $200,000 $200,000
Benefit Amount - AD&D
Class 1 $100,000 $100,000 $100,000 $100,000
Class 2 $50,000 $50,000 $50,000 $50,000
Class 3 $100,000 $100,000 $100,000 $100,000
Class 4 None None None None
Class 5 $100,000 $100,000 $100,000 $100,000
Benefit Reductions (Non-AFSCME)
Classes 1-3
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Class 4
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Class 5 Benefits term at retirement Benefits term at retirement Benefits term at retirement Benefits term at retirement Benefit Amount - Life (AFSCME) AFSCME AFSCME AFSCME AFSCME Class 1 $50,000 $50,000 $50,000 $50,000
Class 2 Amount at retirement Amount at retirement Amount at retirement Amount at retirement Benefit Amount - AD&D
Class 1 $50,000 $50,000 $50,000 $50,000
Class 2 None None None None
Benefit Reductions (AFSCME)
Class 1
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at retirement
Class 2
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Reduces To: 65% at Age 70;
50% at Age 75
Benefits term at Age 99
Guarantee Issue Full Benefit Amount Full Benefit Amount Full Benefit Amount Full Benefit Amount Waiver of Premium Included Included Included Included
Accelerated Benefits Included Included Included Included Life Expectancy Terminal Condition; <12 Mo. Terminal Condition; <12 Mo. Terminal Condition; <12 Mo. Terminal Condition; <12 Mo.
Benefit Amount Accessible 75% to $500,000* 100% up to $1,000,000* 80% to $500,000* 75% to $500,000* Portability Included Life: Included Included Included
Conversion Life: Included Life: Included Life: Included Life: Included *Note: LFG when combining Life and Voluntary Life. This is only a summary of benefits. Please refer to the carrier documents for details. 18 ATTACHMENT 13
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Long Term Disability Financials
Long Term Disability Current Standard Negotiated Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Number of Employees AFSCME 391/ Non-AFSCME 421 AFSCME 391/ Non-AFSCME 421 AFSCME 391/ Non-AFSCME 421 AFSCME 391/ Non-AFSCME 421 AFSCME 391/ Non-AFSCME 421 Volume: Covered Payroll AFSCME $2,132,757 $2,132,757 $2,132,757 $2,132,757 $2,132,757 Volume: Covered Payroll Non-AFSCME $3,593,271 $3,593,271 $3,593,271 $3,593,271 $3,593,271 LTD Rate Per $100 AFSCME $0.510 $0.546 $0.408 $0.340 $0.613 LTD Rate Per $100 Non-AFSCME $0.260 $0.278 $0.208 $0.340 $0.313 Monthly Cost $20,220 $21,634 $16,176 $19,468 $24,321
Annual Cost $242,635 $259,610 $194,108 $233,622 $291,849 $ Change to Current $16,975 ($48,527) ($9,013) $49,214
% Change to Current 7.0% -20.0% -3.7% 20.3%
Rate Guarantee Until 1/1/2026 Until 1/1/2027 Until 1/1/2029 Until 1/1/2029 Until 1/1/2029 19 ATTACHMENT 14
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Long Term Disability Benefits Comparison
Benefit Outline Long Term Disability Current Standard Negotiated Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Definition of Earnings Base Salary Only Base Salary Only Base Salary Only Base Salary Only Base Salary Only Contributory / Non-Contributory Non-Contributory Non-Contributory Non-Contributory Non-Contributory Non-Contributory Eligibility
Class 1: LTD - AFSCME LTD - AFSCME LTD - AFSCME LTD - AFSCME LTD - AFSCME Class 2: LTD - Non - AFSCME LTD - Non - AFSCME LTD - Non - AFSCME LTD - Non - AFSCME LTD - Non - AFSCME Benefit Percentage
Class 1: 66.67% 66.67% 66.67% 66.67% 66.67%
Class 2: 66.67% 66.67% 66.67% 66.67% 66.67%
Maximum Monthly Benefit
Class 1: $6,500 $6,500 $6,500 $6,500 $6,500
Class 2: $6,500 $6,500 $6,500 $6,500 $6,500
Definition of Disability Duties OR Earnings Duties OR Earnings Duties OR Earnings Duties Only Duties OR Earnings Own Occ Period 24 Months 24 Months 24 Months 24 Months 24 Months Elimination Period 180 days 180 days 180 Days 180 days 180 days Benefit Duration Later of age 65 or SSNRA Later of age 65 or SSNRA Later of Age 65 or SSNRA Enhanced ADEA 1 w/ SSNRA Later of age 65 or SSNRA Work Incentive Period 12 months 12 months 12 Months 12 Months 100% for claim duration Survivor Benefit 3 Months 3 Months 3 Months 3 Months 3 Months Alcohol and Drug Benefit Limit 24 months/lifetime 24 months/lifetime 24 months/lifetime 24 months/lifetime 24 months/occurrence Mental Nervous Benefit Limit 24 months/lifetime 24 months/lifetime 24 months/lifetime 24 months/lifetime 24 months/occurrence Pre-Existing Conditions Exclusion 3/12 3/12 3/12 3/12 3/12 Integration with Sick Leave Up to 100% of predisability income
Up to 100% of predisability
income
Sick Pay plus Disability up to
100% Predisability Earnings
Up to 100% of predisability
income
Up to 100% of predisability
income
Rehabilitation Voluntary Voluntary Voluntary Voluntary Voluntary FICA Matching Included Included Included Included Included W-2 Reporting Included Included Included Included Included This is only a summary of benefits. Please refer to the carrier documents for details. 20 ATTACHMENT 15
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Short Term Disability Financials
Short Term Disability Current Standard Negotiated Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Number of Employees 881 881 881 881 881
Rate Per $100 of Covered Payroll 6,098,056 6,098,056 6,098,056 6,098,056 6,098,056 STD Rate Per $100
STD Rate Per $100 All Eligible Groups $0.640 $0.710 $0.640 $0.640 $0.711 Monthly Cost $39,028 $43,296 $39,028 $39,028 $43,357
Annual Total $468,331 $519,554 $468,331 $468,331 $520,286 $ Change to Current $51,224 $0 $0 $51,955
% Change to Current 10.9% 0.0% 0.0% 11.1%
Rate Guarantee Until 1/1/2026 Until 1/1/2027 Until 1/1/2028 Until 1/1/2029 Until 1/1/2029 21 ATTACHMENT 16
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Short Term Disability Benefits Comparison
Benefit Outline Proposed Standard Negotiated Renewal
Standard Proposed Ochs Proposed Hartford Proposed Lincoln Definition of Earnings Base Salary Only Base Salary Only Base Salary Only Base Salary Only Base Salary Only Contributory / Non-Contributory Non-Contributory Non-Contributory Non-Contributory Non-Contributory Non-Contributory Eligibility
Class 1: STD - AFSCME STD - AFSCME STD - AFSCME STD - AFSCME STD - AFSCME Class 2: STD - Non - AFSCME STD - Non - AFSCME STD - Non - AFSCME STD - Non - AFSCME STD - Non - AFSCME Elimination Period
Accident 14 Days 14 Days 14 Days 14 Days 14 Days
Sickness 14 Days 14 Days 14 Days 14 Days 14 Days
Benefit Percentage
Class 1: 66.67% 66.67% 66.67% 66.67% 66.67%
Class 2: 66.67% 66.67% 66.67% 66.67% 66.67%
Maximum Weekly Benefit
Class 1: $1,500 $1,500 $1,500 $1,500 $1,500
Class 2: $1,500 $1,500 $1,500 $1,500 $1,500
Definition of Disability Duties OR Earnings Duties OR Earnings Duties OR Earnings Duties Only Duties OR Earnings Benefit Duration (after EP) 24 weeks 24 weeks 24 weeks 24 weeks 24 weeks C-Section 8 weeks 8 weeks 6 weeks for Normal Delivery
8 weeks for C-Section
6 weeks
8 weeks w/ Doctor's note 8 weeks
Recurrent Disability 14 days 14 days 14 days 14 Days 14 days Pre-Existing Conditions Exclusion Not Included Not Included Not Included Not Included Not Included Integration with Sick Leave Up to 100% of predisability income
Up to 100% of predisability
income
Sick Pay plus Disability up to
100% Predisability Earnings
Receive up to 100% of
predisability income
Up to 100% of predisability
income
FICA Matching Included Included Included Included Included W-2 Preparation Included Included Included Included Included This is only a summary of benefits. Please refer to the carrier documents for details. 22 ATTACHMENT 17
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Voluntary Life/AD&D Financials
Life Per $1,000 Current/Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Employee / Spouse Employee / Spouse Employee / Spouse Employee / Spouse Under Age 25 $0.060 $0.060 $0.060 $0.060
25-29 $0.060 $0.060 $0.060 $0.060
30-34 $0.070 $0.070 $0.070 $0.070
35-39 $0.100 $0.100 $0.100 $0.100
40-44 $0.150 $0.150 $0.150 $0.150
45-49 $0.260 $0.260 $0.260 $0.260
50-54 $0.390 $0.390 $0.390 $0.390
55-59 $0.590 $0.590 $0.590 $0.590
60-64 $0.970 $0.970 $0.970 $0.970
65-69 $1.750 $1.750 $1.750 $1.750
70-74 $2.480 $2.480 $2.480 $2.480
75-99 $2.480 $2.480 $2.480 $2.480
Child Life $0.080 $0.080 $0.080 $0.080
AD&D Per $1,000 Current/Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln EE AD&D $0.050 $0.050 $0.050 $0.050
SP AD&D $0.080 Family: $0.080 $0.080 $0.080
Child AD&D $0.080 $0.080 $0.080
Rate Guarantee Until 1/1/2027 Until 1/1/2029 Until 1/1/2029 Until 1/1/2029 Lincoln uses the spouse's age to determine spouse's premium, but is open to discuss.
Ochs allows dependent voluntary life even if employee is not enrolled in voluntary coverage. 23 ATTACHMENT 18
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Voluntary Life/AD&D Benefits Comparison
† Lincoln's contract allows for employees and spouses who have not previously enrolled or who want to increase their coverage to increase over the GI without EOI. They cannot have been previously denied or have previously initiated the EOI process. Hartford and Standard any amounts above the guarantee issue amount will be subject to EOI.
Benefit Outline Current/Renewal Standard Proposed Ochs Proposed Hartford Proposed Lincoln Eligibility FTE Working ≥ 20 HPW FTE Working ≥ 20 HPW Working ≥ 20 HPW FTE Working ≥ 20 HPW Child Age Requirement Live Birth to Age 26 Live Birth to Age 26 Live Birth to Age 26; step child(ren) do not need to reside with parent Live Birth to Age 26
Benefit Increments
Employee Increments of $10,000 Increments of $10,000 Increments of $10,000 Increments of $10,000 Spouse Increments of $10,000 Increments of $10,000 Increments of $10,000 Increments of $10,000 Children Live Birth to age 26: Flat $10,000 Live Birth to age 26: Flat $10,000 Live Birth to age 26: Flat $10,000 Live Birth to age 26: Flat $10,000 Benefit Maximum Life
Employee $300,000 $750,000 $300,000 $500,000
Spouse Up to 100% of EE amount to $300,000 $250,000 (not limited by EE amount) Up to 100% of EE amount to $300,000 Up to 100% of EE amount to $300,000 Children $10,000 $20,000 $10,000 $10,000
Benefit Maximum AD&D
Employee + Spouse Coverage
Spouse Benefit 50% 50% 50% 50%
Employee + Child(ren) Coverage
Child(ren) Benefit 15% 15% 15% 15%
Employee Family Coverage
Spouse Benefit 40% 40% 40% 40%
Child(ren) Benefit 10% 10% 10% 10%
Guarantee Issue
Employee $150,000 $300,000 $150,000 $150,000
Spouse $30,000 $30,000 $30,000 $30,000
Children $10,000 $20,000 $10,000 $10,000
Initial Open Enrollment Full GI, no EOI up to GI during initital period
All employees may enroll or increase
coverage by $100,000, not to exceed
the maximum guarantee issue amount
of $300,000
Full GI, no EOI up to GI during initital
period
Full GI, no EOI up to GI during initital
period
Ongoing Open Enrollment† All amounts subject to EOI
2 increments of $10,000, not to exceed
the guaranteed issue amount of
$300,000
All amounts subject to EOI 2 increments of $10,000 up to plan maximum
Benefit Reductions Reduces To: 65% at Age 70;
50% at Age 75 No reductions for supplemental life Reduces To: 65% at Age 70; 50% at Age 75
Reduces To: 65% at Age 70;
50% at Age 75
Accelerated Death Benefit Included Included Included Included Portability Included Life: Included Included Included
Conversion Included Life: Included Included Included
Participation 20% or 10 lives No minimum participation 20% or 10 lives 20% or 10 lives This is only a summary of benefits. Please refer to the carrier documents for details. 24 ATTACHMENT 19