HomeMy WebLinkAboutCity of Tamarac Resolution R-79-286Introduced by G
Temp. #1477
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CITY OF TAMARAC, FLORIDA
RESOLUTION #R- 7 9 - 494,
A RESOLUTION AWARDING A BID FOR EMPLOYEE GROUP
INSURANCE - HOSPITALIZATION AND LIFE INSURANCE -
BID # 79- 36
WHEREAS, the City of Tamarac has heretofore advertised for
bids for Employee Hospitalization and Life Insurance, and
WHEREAS, the Council is desirous of awarding the bid for
Employee"Insurance to the lowest and best bidder.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE
CITY OF TAMARAC, FLORIDA:
SECTION 1: That the Bid of Prudential Life Insurance for
Employees Group Insurance, is hereby approved in the amount of $17,793.2
expected monthly premium for: $35.78 per Employee Medical, $61.94 for
Dependent Medical, $57.07 for Life and $.04 for Accidential Death and
Disability.
PASSED, ADOPTED AND APPROVED this 28th day of Decembe V1979.—__,.
�t da J,
ATTEST:
I HEREBY CERTIFY that I have
approved the form and correctness
of this RESOLUTION.
ul-
CITY ATTORNEY
RECORD OF COUNCIL VOTE
mAYOR-
DISTRICT I-
DISTo ICT '2a
(DISTRICT 3:
—
DISTRICT 4. U —
•
J
0
ySo.
CITY OF TAMARAC. FLORIDA
SPECIFICATIONS FOR:
EMPLOYEE GROUP INSURANCE
DR_IGINAL COPY
Bid No. 7936
EMPLOYEE AND DEPENDENT HOSPITALIZATION, MEDICAL
AND SURGICAL INSURANCE
EMPLOYEE AND DEPENDENT T4AJOR MEDICAL INSURANCE
EMPLOYEE LIFE INSURANCE
Sealed proposals marked "Employee Group Insurance
Proposal" will be received by the CITY CLERK, City
Hall, S811 N.W. 88th Avenue, Tamarac, Florida until
3:00 p.m., Thursday, December 6, 1979 _
Bids will be opened on 12/6/79 at 3:00 p.m.
in City Hall
The City reserves the right to reject any and all proposals,
to waive formalities and to accept or reject all or any
part of any proposal as they may deem to be in the best
interest of the City of Tamarac, Florida
SPECIFICATIONS FOR EMPLOYEE GROUP
• INSURANCE, CITY OF TMIARAC, FLORIDA
For
1. EMPLOYEE AND DEPENDENT HOSPITALIZATION, MEDICAL AND
SURGICAL INSURANCE
2. EMPLOYEE AND DEPENDENT MAJOR MEDICAL INSURANCE
3. EMPLOYEE LIFE INSURANCE
General Provisions
1. Proposals shall be received by the City of Tamarac., Attention
of City Clerk on or before 3-00 P.M. 12/6/79. All bids shall
be sealed and. the envelope marked "Employee Group Insurance
Proposal".
2. The City of Tamarac reserves the right to reject all or any
part of any proposal as they deem may be in the best interest
of the City of Tamarac, Florida.
• 3. Insurance Companies must be authorized to do business in the
State of Florida. Insurance Companies and agents must hold a
valid Current occupational license to do business in the City
and State of Florida.
a. It is understood that there will be only one proposal
allowed per company through one qualified licensed
Florida agent.
b. The City reserves the right to replace the agent of
record with another agent of the same company if,
in the opinion of the City, the agent is not rendering
the service required to properly serve the account.
C. The insurance company will file as part of their proposal
a statement of their policy holder's rating and their
financial rating as per the latest edition of "Best's
Insurance Reports".
4. A description of servicing and handling claims and any manage-
ment or claims administration service rendered by the company
must be included.
S. Any company refraining from bidding on any part or parts of
this proposal must indicate "No Did" in the appropriate space.
6. Any variation to these specifications or additional information
submitted must be fully explained on a supplemental attached
. sheet.
- 2 -
7.
The City reserves the right to use judgement factors in deter-
mining which proposal shall be in its best interest and is not
.
required to accept the lowest premium proposal. Award will be
made to the most responsible bidder in accordance with the best
mutual interest of the City.
S.
At the discretion of the City of Tamarac, preferences may be
given the responsible company which can furnish the most reason-
insurance requested
able cost in consideration of all classes of
in accordance with the specifications.
9.
The contract period shall be for a minimum term of one (1) year
beginning January 1, 1980, and until either party gives notice
to the other of their intention to cancel the contract.
10.
The company warrants by virtue of bidding that the cost prices
quoted will be firm through the end of the contract period.
There must be ninety (90) days advance notice before the company
may increase its rates. Should the company fail to notify the
City ninety (90) days in advance of the end of the contract
period of any rate change or of their intention not to renew the
contract, it is agreed that the company will extend contract
rates and coverage ninety (90) days beyond the contract term.
11.
The City has attempted to include correct and complete under-
writing information required, however, the proposer shall be
responsible for determining the full extent of exposures and
verification of the information presented herein. The City
and its representatives will not be responsible for errors and
omissions in the specifications nor failure of the proposer to
•
evaluate and determine the full extent of their exposures.
12.
In order to allow sufficient opportunity for review of the pro-
posal submitted., the quotation shall be guaranteed for no less
than sixty (60) days.
13.
The company will provide individual identification cards and
booklets and certificates describing and verifying coverage.
14.
The company shall indicate method of invoicing.
1S.
The term "dependent" shall mean employee's spouse and unmarried
dependent children from birth until he/she reaches age 19 or
age 23 if in full-time attendance at an accredited college or
university and fully dependent on the employee for support and
maintenance. Fully dependent disabled, step, foster, and
be included.
adopted children who reside with the employee shall
16.
Non -duplication of benefits for group and private plans will
apply to this contract. Benefits will be coordinated with
benefits payable under all plans for insured.
•
-3-
•
i
C�
•
SCHEDULE OF BENEFITS
EMPLOYEE AND DEPENDENT HOSPITALIZATION, MEDICAL AND SURGICAL
INSURANCE INCLUDING MAJOR MEDICAL
A. Hospitalization. Medical and Surgical Benefits
1. Deductible:
2. Hospital Room and Board:
None for Hospital Accommodations_
None for Surgery Charges
None for Accidental Injuries if
treated within 72 hours of an
accident
All other charges $100.00 per
person, 200.00 maximum per
calendar year (credit for last
three months of prior year) per
family
Prevailing rates for Intensive
Care and Semi -Private
Limitation: 1000 of coverage during each
continuous confinement up to
$5,000, 800 of the next
$5,000 and 100% of the re-
mainder up to $1,000,000
maximum benefit.
3. Other Benefits:
(1000 of expenses for following benefits, plus after annual
deductible has been satisfied, benefits equal to 800 of the
amount by which these covered expense benefits incurred
during the balance of the calendar year exceed the initial
benefits.)
Maximum initial benefit for surgical operation expe.nses...$800.000
Anesthesia (200 of the amount provided for the operation
charges allowed, plus $20.00)
Maximum initial benefit .................................. $180 00
4. Supplemental Accident.......................................$300.00
S. Extended Insurance Benefits for disability..................3 Months
6. Psychiatric Care: Maximum benefit up to 50 treatments
in any 12 consecutive calendar month
period tip to: ............................ $25.00_Pe
Treatmen
7. All other reasonable medical and surgical expenses for
doctor's charges, registered nurses fees, prescribed
medicines and drugs will be eligible for coverage, pro-
vided they are authorized by a licensed, recognized
physician.
8. Surgery under major Medical is the reasonable and customary
minimum limit - $19.00 conversion factor using 1964 C.R.V.S.
9. The eligible waiting period for employee coverage shall be
governed by existing union contracts or the Personnel Manual.
E
-4-
10. medicare Supplement: Employees eligible for medicare shall
11.
12.
be provided with health care supplement
benefits equal to group health insurance
program.
Conversion privilege upon termination shall be
included . . . . . . . . . . . . . . . . . . . . 31 Days
The maximum lifetime benefit to each participant for
major medical benefits with standard restoration pro-
visions shall be . . . . . . . . . . . . . . . . $ 1,0009000
Employee Life Insurance and Accidental Death and Dismemberment
All full-time permanent employees will be eligible for life
insurance death benefits according to the following provisions:
CLASS 1.
CLASS 2.
CLASS 3.
CLASS 4.
CLASS S.
CLASSES
1
2
3
5
4
(Employees with an annual earning in excess of
$20,000)
(Employees with an annual earning in excess of
$10,000 but less than �20,000) __
(Employees with annual earnings less than
$10,000)
(City Council members during their active term
of office)
(Uniformed Police and Fire Officers as per
attached schedule)
AMOUNT OF COVERAGE
LIFE INSURANCE
$ 25,000
15,000
10,000
20,000
2,000 Basic Amount
8,000 Additional -Based
on insurability
evidence
ACCIDENTAL D $ D
$ 25,000
15,000
10,000
20,000
29000 Basic Amount
8,000 Additional -Based
on insurability
evidence
• Life insurance benefit will be reduced to 50o upon reaching 70 years old
Life insurance to contain conversion privilege
-5-
LIMITATIONS AND EXCLUSIONS
• This contract will not provide benefits for charges incurred as a
result of:
•
I
•
. Cosmetic or plastic surgery for beautifying purposes unless
necessary as the result of accidental injury suffered while
covered under this contract
Service or supplies in any convalescent or custodial facility,
rest home, nursing home or sanitarium
Services or supplies furnished in a veteran's facility or
governmental hospital
Occupational ailments or injuries arising out of or in the
course of employment
. Care for a sickness or injuries in the military forces or as a
result of war whether declared or undeclared
Eye refractions, eye glasses, hearing aids and examinations, or
the prescription and fitting thereof
. Travel, whether or not recommended by a physician
. Services or supplies for injury or illness resulting from suicide
or attempted suicide, whether sane or insane
Services or supplies obtained without cost to the insured person
Hospital service after the attending physician advises that
further hospital service is unnecessary
. Charges for physical examinations or periodic check-ups
. Services or supplies furnished during a hospital admission which
is primarily for diagnostic purposes
. Charges or expenses that are paid by Medicare, if the covered
person has Medicare
Dental treatment, services or supplies except restorative
surgery which is the result of an accident and impacted
wisdom teeth
. Professional medical or surgical services rendered by an indi-
vidual who is related to the covered person by blood or marriage
•
1
•
CITY OF TAMARAC EMPLOYEE DATA RECORD
EMPLOYEE
M
DATE OF
CODE
F
BIRTH
DEPENDENTS
CLASS
8489
F
4/2S/2S
No
2
8210
M
6/30/34
Yes
2
6307
M
7/3/S4
No
3
2034
F
9/6/54
Yes
3
1527
M
2/20/23
Yes
5
1612
F
3/19/17
No
2
7343
F
11/15/35
Yes
2
5425
F
6/4/44
Yes
2
7326
M
11/23/48
Yes
1
0530
Al
2/3/33
Yes
2
8008
M
12/14/38
Yes
S
1319
F
4/24/09
No
3
8901
M
12/18/34
Yes
2
3564
F
7/15/52
No
2
6754
M
8/4/S5
No
5
2851
F
10/17/41
Yes
5
1164
M
9/2/48
No
S
9732
M
8/21/S4
No
3
6375
F
7/24/19
Yes
2
4940
M
10/25/42
Yes
2
5645
M
9/21/13
No
2
5511
M
8/1/59
No
5
1589
F
2/10/42
Yes
2
SS73
F
9/19/50
No
S
2071
F
5/27/44
No
S
9208
F
1/11/46
Yes
3
8896
M
9/30/40
Yes
5
2551
M
11/12/2S
Yes
S
0321
F
8/17/43
No
2
2950
F
6/28/44
No
2
1321
F
9/6/46
No
2
6148
M
S/16/47
No
S
9571
M
12/11/20
No
2
4841
M
10/6/52
No
5
7000
M
7/24/2S
Yes
2
11/79
11/79
Page 2
•
EMPLOYEE
M
DATE OF
CODE
F
BIRTH
DEPENDENTS
CLASS
4232
M
9/5/26
Yes
5
8155
M
1/22/20
No
2
0441
M
3/9/20
No
2
3808
F
5/28/39
No
2
3580
M
2/23/36
Yes
5
7636
F
6/19/39
Yes
3
2038
M
6/19/54
No
5
8821
F
12/20/24
No
2
7875
M
7/9/35
Yes
5
8333
M
2/16/28
Yes
5
7743
M
4/15/46
Yes
5
2625
M
1/22/40
Yes
5
4643
M
1/22/16
Yes
2
3789
M
6/30/52
Yes
5
2392
M
2/20/52
Yes
3
•
4471
F
1/21/32
Yes
2
6417
F
9/28/49
Yes
2
6855
M
4/23/23
Yes
1
5923
M
11/3/53
No
5
3365
M
4/24/59
No
3
9864
M
6/29/34
Yes
2
3607
M
12/6/42
Yes
5
4506
F
4/23/37
No
3
6217
M
9/16/39
Yes
5
2622
M
2/23/56
No
3
6702
M
9/23/32
No
3
3364
M
11/9/47
Yes
5
9617
M
6/15/27
Yes
1
5158
M
11/8/53
No
5
5708
11
2/27/30
Yes
2
3762
P1
3/4/47
Yes
5
1116
M
9/8/40
Yes
5
•
9007
M
11/30/53
Yes
5
1393
M
4/27/55
No
5
3706
F
6/4/41
Yes
2
11/79
Page 3
• EMPLOYEE M DATE OF
CODE
F
BIRTH
DEPFNDENTS
CLASS
3606
M
10/31/51
Yes
5
2183
M
11/1S/37
Yes
2
5570
M
10/3/49
Yes
5
3399
M
3/8/48
Yes
5
2865
F
1/6/S9
No
S
4388
F
4/21/39
Yes
3
7658
M
6/14/31
Yes
S
2058
M
12/22/20
Yes
2
S4S1
M
11/30/24
Yes
2
6438
M
6/6/30
Yes
1
3133
M
8/26/4S
Yes
5
9691
M
10/11/52
No
S
0329
M
9/19/S5
No
3
3230
F
4/6/49
No
3
• 6372
M
3/5/5S
Yes
S
7497
P�f
5/4/47
Yes
5
2760
M
4/13/34
No
2
4716
M
10/7/47
Yes
5
1792
M
12/12/45
Yes
5
9881
M
4/23/44
Yes
5
8916
M
3/23/21
Yes
2
6342
M
12/8/49
Yes
2
8052
M
4/9/45
Yes
5
2603
M
3/4/SS
No
5
2944
M
2/14/S2
Yes
S
8483
F
9/7/Sl
Yes
3
0200
M
2/16/51
No
S
8150
M
7/15/27
Yes
S
5463
F
1/1/23
Yes
3
4835
M
10/28/13
No
2
1668
M
2/7/23
No
1
• 4219
M
4/25/26
Yes
5
2297
F
9/20/19
Yes
2
3184
M
12/23/3S
Yes
2
3549
M
8/13/45
Yes
2
11/79
Page 4
•
EMPLOYEE
CODE
M
F
DATE OF
BIRTH
DEPENDENTS
CLASS
4494
F
5/25/20
Yes
3
7703
M
1/28/16
No
3
3005
M
2/7/24
No
S
9917
M
9/3/4S
Yes
S
9362
M
8/30/41
Yes
5
2512
F
7/28/21
No
3
2006
M
S/10/37
Yes
2
2422
M
9/20/17
Yes
5
3404
M
S/28/15
Yes
1
7018
M
S/29/28
No
1
2028
F
9/27/47
No
1
0903
M
11/27/14
Yes
2
8361
M
2/19/23
No
5
7343
M
10/9/16
Yes
2
4638
F
3/30/27
Yes
3
•
7528
M
8/15/S4
Yes
S
3
5824
F
4/20/20
Yes
0766
H
3/25/21
No
3
7892
M
1/6/16
No
2
0463
M
4/5/49
Yes
5
3322
PSI
7/31/54
Yes
S
0728
M
7/30/54
Yes
2
6721
M
6/17/50
Yes
5
6226
M
7/18/52
Yes
5
7669
M
7/19/38
Yes
1
1817
F
4/30/24
Yes
3
0096
F
10/16/41
Yes
2
1034
y
2/19/45
Yes
5
7396
M
1/3/Sl
Yes
S
7071
F
4/8/19
No
2
5386
F
2/2/35
Yes
3
5083
F
11/12/SO
No
3
8804
M
5/23/41
No
S
•
3368
M
1/14/52
Yes
5
0854
M
4/19/51
Yes
1
4745
F
10/11/37
Yes
3
11/79
Page 5
EMPLOYEE
CODE
M
F
DATE OF
BIRTH
DEPENDENTS
CLASS
6748
M
6/25/38
Yes
1
9777
F
1/22/30
Yes
3
5137
F
11/18/26
Yes
3
9454
M
10/26/29
No
2
8562
F
10/24/S8
Yes
3
2995
F
6/25/S5
Yes
3
5296
M
8/11/34
Yes
1
3722
F
9/28/26
Yes
3
5930
M
3/19/30
No
3
1635
M
2/2/47
Yes
2
4539
M
2/24/43
Yes.
1
2839
M
12/28/54
Yes
S
0456
M
11/17/42
Yes
5
2705
M
5/9/47
No
5
3049
M
5/1S/19
Yes
2
4317
F
12/1-4/20
No
3
•
7411
M
1/25/22
Yes
2
1366
M
6/22/S3
Yes
S
8367
M
9/17/57
No
3
6373
F
10/2/38
Yes
3
6866
F
2/29/56
Yes
3
5113
M
12/27/S4
Yes
5
1565
F
4/25/29
No
3
9076
F
9/7/44
Yes
3
7978
m
10/17/39
Yes
S
4840
M
2/14/41
No
3
2042
M
5/11/32
Yes
2
12/17
M
8/16/52
Yes
S
6816
r?
10/3/24
Yes
2
7519
M
7/1/48
No
2
3117
F
4/17/40
Yes
3
8210
F
8/21/62
No
3
3960
M
6/19/44
Yes
2
•
4835
M
2/20/19
Yes
1
9680
M
7/28/37
Yes
2
1654
1,4
9/8/32
Yes
2
11/79
Page 6
•
EMPLOYEE
M
DATE OF
CODE
F
BIRTH
DEPENDENTS
CLASS
9764
M
5/26/S4
No
2
4150
PI
12/14/S7
Yes
2
3287
F
10/23/21
No
3
1321
M
12/16/57
No
2
7660
M
7/30/56
No
2
6803
M
7/28/S6
Yes
2
8530
M
5/15/41
Yes
2
3642
M
11/9/48
No
2
6674
M,
10/30/S9
No
3
4595
M
7/21/54
No
3
8193
M
4/26/57
No
3
5441
F
1/23/51
Yes
3
2601
M
S/28/48
Yes
2
9321
F
7/4/42
Yes
3
5191
M
8/2S/44
No
2
•
6841
M
2/27/21
No
2
8829
F
12/1/48
No
2
0267
m
7/18/18
Yes
2
8849
F
6/S/24
No
3
3138
F
3/12/57
Yes
3
2790
M
3/S/20
Yes
2
4938
F
7/6/29
No
2
9075
M
1/16/29
Yes
3
7046
F
9/24/34
Yes
3
1365
M
9/21/53
No
2
7029
F
1-0/27/46
No
2
0028
M
11/3/31
Yes
2
5351
M
5/7/36
Yes
1
7822
b?
8/23/37
Yes
2
1926
T4
4/3/33
Yes
3
7704
I.4
9/20/12
Yes
2
0490
M
4/4/23
Yes
1
•
0705
M
2/25/37
No
3
5384
M
9/19/50
No
2
TOTAL NUMBER OF COVERED EMPLOYEES - 211
TOTAL NUMBER OF COVERED EMPLOYEES WITH DEPENDENT COVERAGE - 135
CITY OF TAMARAC
• EXPERIENCE EXHIBIT
Blue Cross/Blue Shield
1/l/79 to 8/31/79
PREMIUM PAID CLAIMS
Medical Care $ 92,054.74 $49,395.88
Life Insurance 13,317.38 500000.00
TOTALS $105,372.12 $99,395.88
Home Life Insurance Co.
12/31/76 to 7/1/78
Medical Care $1570730.63 $i42,662.38
• Life Insurance 37,901.25 15,000.00
TOTALS $19S,631.88 $1571662.38
t
0
-7-
PREMIUM CALCULATIONS
0
A. Hospital, Medical & Surgical Coverage
UNIT RATE
Employee Only 206 $ 3.5-78
Dependent 135 61..94
B. Group Life and A, D $ D
Employee Life 3,390,000 $ .577
A , D & D 39390,000 $ — 41)
TOTAL MONTHLY PREMIUM
$ 17,793-36
U
MONTHLY TOTAL
$ 7-, -6 -
$ 8, 1.90
TOTAL ANNUAL PREMIUM
moo
These rates are based on the information provided and are firm
rates. However, because the experience information provided
was not as detailed as usual, the rates are conservative. If
month by month claim experience by coverage can be provided,
it is highly likely these rates could be reduced.
C
0
• Name and Location of Servicing Office and Agent:
This proposal is submitted on behalf of Daniel B. Rachman, Special Agent
for the Prudential, 4331 No. Federal Highway, Ft. Lauderdale, and
Claudia 0. Cuddy and Alan S. Kornbluh, agents for Licoln National, 2101
North Andrews Ave.,Ft. Lauderdale, who will be responsible for local day
to day service.
Claim, administrative, and technical training will be the responsibility
of Donald R. Nesbitt, Jr.,CLU, Director Group Insurance Marketing, The
Prudential, 12700 Biscayne Blvd., Miami, who resides at 8203 NW 37th St.,
Locaaii infstroup Claims Office:
•
The group claim office servicing this account is located in
Jacksonville, Florida.
Current Best Rating:
Our current Best Rating is Al
List any special services provided:
The enclosed materials describing the Prudential claim payments system and
statistical data available will demonstrate our most special service.
Rather than serving merely as a funnel for your dollars to providers, our
system is designed to fast settlement of claims on a reasonable and customary
level and work to save you and your employees dollars on those which are not.
The statistical reports let you know just where the claim dollars went and
how well they meet the needs of your employees.
Provide a sample of your invoice, application for coverage and any
other enrollment forms to be used in administration of this program:
(1) A copy of our standard invoice attached. A Roster Billing showing each
employees name, coverage and premium., is available if desired.
(2) Application
(3) Enrollment Card.
(4) See Pru--Trac folder for claim forms.
• VARIATION TO SPECIFICATIONS
In recognition of varying company policies and/or combinations
of coverage, please note any additional information or special
features below:
We have reviewed the specifications carefully and find that we
can provide the benefits requested. We will, however, use
standard Prudential policy forms and certain wording and
provisions will vary to some extent.
Regardless of contractual language variation, we will see that
no employee loses benefit because of a change in carriers.
•
CJ