HomeMy WebLinkAboutR-1993-162 yea
C
RESOLUTION NO.
162 -93
A RESOLUTION OF THE CITY OF DANIA. FLORIDA,
ACCEPTING THE RECOMMENDATION OF MARY
STANFORD RELATING TO GROUP HEALTH INSURANCE
RENEWAL FOR THE 1993/94 FISCAL YEAR: AND a
PROVIDING FOR AN EFFECTIVE DATE.
BE IT RESOLVED BY THE CITY COMMISSION OF THE CITY OF DANIA, C s
FLORIDA;
Illl S . tyg�ion 1 That the recommendation of Mary Stanford, CLU,ChFC, relating to group
health insurance renewal for the 1993/94 fiscal year, copy of which is attached hereto as >
Exhibit "A be and the same is hereby accepted and the appropriate city officials are I r"
hereby authorized to execute any documents necessary to renew said group insurance.
S . ,tags ion 2 That this resolution shall be in force and take effect immediately upon
1 its passage and adoption.
of Sept . 1993.
PASSED and ADOPTED on this 28th da Y
Mayor - Commissioner
ATTEST:
City Clerk - Auditor
APPROVED AS TO FORM & CORRECTNESS
C. l.Ll�e
Frank C. Adler, City Attorney
M -
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aaCOMI[SymTxox Ai POA2
cZTr or DAMMA, rwRma j. ."
.MOL9Yl S D==YS Floe"M" I .
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Prepared By 'S
Karl L. Stanford, CLQ, chTC *i
6aptembor 24, IL993
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Mal memoJ6t1 #MP""' �
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SEP-27-1993 08:57 P.01 I4
EXHIBIT "A"
6
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1
WMCDTIVB RUXUARY
1. Continue salt-landing the group medical, dental,
vision, weekly income, and prescription card f
benefits.
2. add OptionaldLife end ADes t the benefit PI&ge also t'
premiums pal by employees- t
will be available. Guarantee issue (without
•vidS=cc of insurability) for employee is $30,O0O1
? $100,000 with evidence of insurability.
i I
3. award Basic Life and aDiD, and Optional Life and -
ADiD, to North American Life Insurance Company at .
the cost shown below:
Basic Life
ADiD s,os�$1,o00
Optional Life age-Rated
aDiD See Schedule on
Page iS of Report
4. award Reinsurance for medical, dental, vision, -
weekly income, and prescription card to Lexington
Insurance Company as follows for the PRO plan
design shown on Page 2 of the Report:
PaaidBasin /
it1812 $40,000a $104,877
Aggregate Stop-LOse $14,591
Incurred Danis 12/15
attachment Point $998,230
S. award claims administration
to current administrator:
Group Bealth administrators,
$9.75 per amplOY•e per month $14,773
Includes all coverages except
life insurance.
TOTAL PLAN OOST (ITSNB 4 t 5) $1,132,493
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P.02
x° SEP-27-1993 08 58
NII
cJu
lr.�. (Wtb ►Srt e..tlle) ICa K1
I dt.idrl Mal oed.ctlble $too 1200
L•:1 !wi(y Anatol Da*. Tlble %M* S600
Cs•Ina. ham. OW $500 S1DDO
1
([acludlnf Dd i [P►vya) i
really ca-In. Maahua $1500 93000
a Mule ufetiae Sarefit S1.00o.mo
i
t ) Pespltal Se.vir[y Ilrr Mllmt} -
ai fre-AdMISSIM Certlf fudon [grird
Par Adslsaisa DedA tsbte 0 [ZOO I'
sooa i so" (Saal•Iri"ta) w% 60s 1
All Other 11"Pltal Charps 00% am i_..
/ra•AdNfafan Testing loci 1001 -
N..tsl Mal ftry 30 Dere/Tr. . a= 60%
Atcafal 6 OrW f2.OW rife 802 dos
14.Aarn Can (erlutim) 00% 60Z
- pospital ua, Isn`10_2•►etlt+T} -- -
Vrdstary Decand 1t+t/lcal Opinion AD= 101= S,
Nand. O'"Tlont Sttrg/S.}p Co% 60Z
le"Key V.Slclr.n DO% 60s -
Suppleaansl AcclOan 1500 dos -
so After '
Ded Cod
l.Wraiory 1Qs 60Y
Mtslelen atd other sonipee 0 paw�
t'urgful Pncetfa•es 00% 6M
Of Ica Welts WX 60s
Lehoratery charges 00% 6M -
"Ital Vohs DO% 60%
MauAt/Mam AS". sl.000/Tr 110% 60s
Alc i onus f1,000/Naf Te COX 601
L lfetlee Net 12.0100 Itc. 1•0
Maternity 00% 6OQ
Qrthifg Center W% 60%
Me.kern Cut if Vigil) IKM 602
Wit Wile Cora (r(orlds Ltalute) O0% 60i
- (ee 0ductibts)
Other Strvicef
r clt..dad Can facility 460 Oara1 50% Sax
Naa Allow Cho S•P VOSp.
FmM health Cart DO% 602
lkilid awning Care 0C% 602
Poaplct (b ttnrrt M) lS,000 Net (eT%. 6Oi,
Irwt Mtic/O.tbdlGf CC% 601
Asbutame (MO osdc"1110 W% 00 -
Chiropractic Can W% 60%
Clue-Rdistlen TheraPY (0/P) an 60%
Prescription Drugs Gen.arlc S2 an
VMartrand s2 am
Birth Control Pills Ine1. fact
Swtlne Pap Eaas [act. Cacl
Allergy Shots 110% 66%
Pre•Eatatirg Cerditlae 52000 O%
Mospital gill Sete-Audit So%/Sevinfs/ft"s2,500
Trarnplants (Men. S1wk heart d0% 60% '
Ven•E.prt.entsl) aeon•Ltag 00S 60%
... i CIOgy "I 60L I .
Parrcresa 10% 60%
Liver W% 60% .
Other W% W%
(hare Narrow, Cartes)
2
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P.03
SEP-27-1993 08:59
a.
CIrY Or DMA
' '••� Recommendation Report
The City requested that we evaluate ecu current group flexible
dental, vision, weekly income, prescription
benefits programs to determine Fiscal 1994ts could be reduced
to meet the City
's buds
Cl in costs in the current program
years due to rogras have escalated
significantly n r Inflation, increased
cost shifting by providers,
utilization by participants. and
a lack of cost management benefits within the plan structure.
f,Y
A budget increano in execs" of 30t was implemented for Fiscal
1993, which has necessitated that alternatives be considered .. ,
for Fiscal 1994. "i
we surveyed employees
With the assistance of City personnel, ,s lan meats their °
to learn their views on how well the City P using plan
famllyto needs, how they and their family are
benefits currently (i.e. , frequency of doctor and dentain
l `x
visits) , and whether the employeos have integrinterest
with the
alternative bei better
which could needs
and, at
the same time,
medical plan to hotter moot their needs and,
be structured to reduce medical plan costs-
Survey results indicated negligible interest of employees in
alternative coverages. We believe this in because the City's
benefits program includes such a wide variety income, Pew
benefits (medical, dental, vision, weekly
prescription card) .
subsequently, we prepared a Request for Proposals in behalf
ully insured and colt-insured
of the City to solicit f
proposals for current benefits, as wall as additional
insurance and long-term
proposals for supplemental life insu
disability. In excess of 30 RFPs were distributed to the
marketlace
ry are
spreadsheetsf showing a comparison or tese coverages. Following
proposals srecceiv d and
evaluated.
oonoyNEM-MAXIONa
we recommend the City continue self-funding the 9ronP medical,
dental, vision, weekly incamo, and prescription card benefits. ;-
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P.04
SEP-27-1993 08:59
f.• .p..y.7
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I
city of Dania
Recommendation Report - -
September 24, 1993
for full
proposals. were received Y insured dental, vision, and
weakly income coverages; however, the fully insured plans were
more costly than the present self-funded program for these
ity changing the
benefits. There is no advantage to the C �..
funding method since the City,* self-funded liability
Baits
limited through the same reinsurance policy
Which liability in the medical plan.
All proponals which were received for long-term disability
required 75% employee participation, which we believe is not
achievable. We rtommen be offered to
sthis
will not honor their quote for
employees since the proposer
leas than the required enrollment.
One proposal was received from American Gamily for Cancer and
Hospital Indemnity benefits. However, thin company already
offers these covar&gas to City employees through the present ,
i flexible benefits, plan, presumably through a representative
other than the proposer. )
rife Tnavranee ,
j in consideration of tAe average ago of emplyers at the City,
o
we recommend that Optional Life Insurance be added to the
benefits plan 'iumnPformthe Optional ent the ocovarage Life dvillDbeafullid y
the City.
j paid by the employee and may include dependent oovaragr as
well.
' The best Optional Life pro esal was submitted
of ittedall pry Korth
American Life (A+ rated) : without evidence
guarantee issue $30.000 for each employC6
of insurability) , $100,000 with evidence of insurability.
optional Life and AD@D are only available if Basic Life and
AMD are provided through the same insurer. !f
Basic Life and ADiD with the present insurer (Standard Life) I"
is $-31 and $•06 respectively. Standard's renewal proposal
is $.29 and S.06, but their optional Life coverage is not
competitively priced. North American Life proposed Basic Life
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P.05
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SEP-27-1993 09:00
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a
City of Dania
P.ecommendation Report
September 24, 2993
Lit:�nalir3n4! ,,
and ADiD at $.29 and 6.06 with a 26-month rate guarantee and '
improved waiver or premium benefits in tho event of
f disability.
_.
We
Optional Life and mmend that the
ADI.D City
award
YortbBasic
American Life olfeotiv@
30/l/93.
Nediaai senstiiLa
I The City'8 medical plan currently includes the availability
11 of preferred provider discounts when employees/dependents use
• i Florida Health Choice PPO (PHCP) providers. The plan design,
however, does not offer the employee enough incentive to seek
rovidors who participate with hHCp, and the benefit of
reduced fees (claims costs) through these YPD providers is
`r minimal.
Proposals were received from reinsurers for the self-funded
medical plan using a traditional PPo benefit design as shown
an pages ei9. This plan design will enable
employees/dependents to receive the same level of benefits
( currently provided by the City's medical plan when they eboose
to use preferred providers. When the employees/dependants
' I choose non-PFO providers, which in their option, they will
share a moderately larger percentage of costs compered to when tt
they use FPO providers.
In circumstances when an employee/dependent is unable to use 5
a PPo provider due to an emergency outside of the FPO service
area, if away at school, or if there is no PPO Physician
within the specialty required by the patient, the PPO be
(current level) will nevertheless be paid. in other words,
the patient participates in a greater percentage of the cost
only when voluntarily choosing to use a non-PPO provider. 1
Finalist proposers for the reinsurance coverage warm I
Commercial Onion and Lexington, both A+ rated companies.
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P.06
SEP-27-1993 09:01
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City of Dania
Executive Surs+nry
September 24, 1993
t
medical Benefits
10 column 2, the lowest cost proposal is
As shown on page I,
provided by Lexington. We have rev oQ od the terms
as Pricings 1;
Lexington and Cammercial Union prop )
award the reinsnranw coverages to !'
we recommend the City ana continuation of the present i,
Lexington as sbawn Delon
Claims Administrator* (croup 8ealtb 1dministrators) :
� ., .
specific Stop-Lose $104,877 G' v
Paid Beals 18/12 {
$40,000
Aggregate Stop-Loss G=C
incurred 12/15 •• $14,591
Attachment Point $998,250
Claims Administration •• $14,775•
Total Plan Cost $1,132,493 }`
for Plan Design t `
shown on Page 8k9 {{
•• Includes Hedical,
Vision, N.I. ,
Dental, and Rx Card
The cost of Aggregate StoP-Lass coverage on an incurred Basis f
is $i,651 greeter than an Incurred and Paid contract (incurred
in contract period and paid in contract base andincurred
recommend, nevertheless, that the city P aid is the policy
i
contract (incurred in the policy Period and p
• No proposals ware received for claims administration
services. The
strator reports
a excellent.that
services provided by the f(
rant
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e
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P.07 f`
SEP-27-1993 09:01 t+'
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City of Dania
r. Executive Sui{omry
September 24. 1993
iod and within 3 months tbare
per w after) inasmuch the City's
as
t two Ye bits been 91-106% due to the
lees ratio for the Past and increased utilisation. ,.
combination of large
costs
pp plan design will
We expect the p reduce Claims is too
i significantly, but the incroasa in fixed cost of $2. rise an
'
small to risk potential loasaa i claims suitable continue to
the reinsurance
nemarket eadoes not p
for the city
I1I prepared BY:
Mary L. Stanford, CLt1. ChP c
MIs/aim
y
Encls.
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SEP-27-19M 09:02
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j �lu7um .uu t. nu Nfll Ml.t Or SLZ•'IC—r "-2
)
I (T) ten•
i pro pro _
.. � �•IM n.r+.a t6PJ peeterw lit) NC! W �
Irdlrldst Am)al Oedellbte 1100 S)00
„1 toasty Anneal oodc ibte law 1= ;
to"Ina. IYa. clop 5500 SIWO
� (tac(ldlrle Ded L Co-payt)
1 faalty (.•Itr. eaalr S1SM S3000
stamp®clfetler 0 .1{t 21.000.000 i--
pf1(•!b1 Servile, Sln•"tionTl
1 ►re•Adeintm C"tiflcallon Rewlred(1) i_j ter adlsalm DeNcilble D Sm
a..0 L 0eard (Seal-/rival.) eCZ 60%
Ul otbor sotpllal Charges OoS 6m l
Me-Adelal(an Leaping lon lom
Mantel a.A Srr.a+o 30 Oayelrr.(6) Dos 6(A
Atcohol L Pew t2.000 fife (6)(1) 60% 60%
IleQbO n Care (A"'M) (S) 00: 6=
w_gppllot Services (0ue•oKlent}
Mandatory Seeod Surtical Opinlcl lo0I to=
i Mand. Od(rtlMt surt/SIpP ()) eC% 60%
f aerl)s tY Ilrs•tickrws em( um .
f�gpttanntal Aeelderu S500 SOS
■. Alter
Ded Ded
-1 - laboratory (9) 00i 60i
IU Mao baeol ut i/ hoapitol aOH ss{on Is not certified.
t. (1) ter speCifled procedurea- W% Co•Intlnrarca for Mn•c.rP11aK! PpO. no ..
bonefl:a for non-coplience MoO-IM; failure to obtain contimlMO second tWO'cal opinion
for certain proetdires s(so results In 60s pro, and no bHlelltS for eon•PPO.
(() Pro and Yon-ppo ca binrd ircetf Mtlwtpat lent naa1M 12,000 tiled".
O) Cat year dcd o(Plies 10 oil co•Inrueed ben0lits oceP' short at IDOL or noted otherwise,
(6) Stop.tosa does net o1P7Y-
(7) point of Service yW sea. K •other)
(6) No deA¢tlb le entll I.oaPltallatd S dais: root daducl lbl ra wet ee•poye ( i
IpptV eecA day ,splbISied thcr.after. ` -
tV) pro-eertiflcollu. rtalirad. LO OVnI{aeA 011t Of
i tto) llon-!f0 penetty o1 to% (5" Co.ins. vs. 60s in optl.n 1) does not Rql.v i'
i pocket.
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P.09
SFP-27-1993 09102 f, ,
��Vs4 -•rr-•—.. u
is
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- triarin Kwtia-►ur ucl. rots a arv)n nn
. t}yaleian.rd Ocher Servfret Pro iton-Pro
"foal Preaeda C31 B01 601
off low vigils 8= 60A
la6eratery thanes BOA 60A .
Bemital visits wt 602
alantal/ltartr MInt. f7.1100/yr CS) O(M 60A
Ale 1. D" t1a000/K" Tr MCS) BOA 6OA
Lifetlwe alas 1Z.000 Inc. 1-P
waternitY 07 BDA 601 9
■ "tiry c,m" 0) BDA 602
N*'Awn CA 41 Wall) an 601
Wtt Child cars Cltarlds 7taucal am 60s �-_--
(b Oe,1¢tibte)
Other faf�icw
Interdad Ore fultity (60 Days) 5O% S0A
MILK AtloB Cg S-P Beep. (3) ,(
Nose Beatth Care (S) ISIM 60%
allied suralaw Care (3) an 001
sacplea (6 aawhs) 15.000 we (3) B(S. 6M.
prp7tM[IUOr1had1cs I$) wz 60% 'rf
Ael Jd (we OCAtttthlr) 8= fens
Chiropractic Care (S) B01 601
Cf.ea-■edialty. Therapy Co/P)C3) a= Wx
Prescription orups Gentrte ti BOS r
BaaBBrard $7 6M
Birth Central Pills imt. BAct
tout IM Pap EAsaG fact. Eecl '
Alter4y She" BMX 6OA
Pre-Edating Cadltla 46) %Mw OS
fospl"t Oft( Self-Audlt SQZ/Sa.ltga/ttas 52,500
Tramplants (MIaa. 1100k start B01 601
Ben-Esperi a tal1 (S) Btart.t M BO2 60-
Cldtey am 60S
Pancrees Box 60--
t ever BOk 601; k
OaMt f1O1 6OL ,
i
� lBw MIArrw. Cer/e'a)
i
t21 Qel. "at ded. eWi He to at( co-im"'#0 t "%S t•ccpt those at 100%ar opted wker.101.
1 (3) lent be pre-certlfled.
tee Palm of ltrricc Pao 12.0e, tntIt 6 ,onthl g+ltelalm fret; tor�l Dian Irtrllts aWly
00 su
a/aer irs..rtd u e ths, eon'PPO. m bn fltg tr.til 1.wu. 12 moths. At al choice
PPtWpn-Pro, rA Mnefits util imurad 12 senlht.
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SEP-27-1993 I,
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14
P4�.
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1 2 3 4 S ► 7 6 9 CA
CIIT 02 MIA tslfa1154I y+
,.,. CT041s 1993 CVrtrt er p,rrant r «n
U� rr■med 11M. Framed S". cortM v M ,noes, Grent #an. rraPrd ll ""Mt Sam. rropmed iM. Current LM, rro9oNd ifR. k
i s liXIKIO■ lfnitu0■ covalactu w103 C>tNfaclu Ala =PUOKIu 1rilOt mftCtC:+� Ulla C�■R6ctu Wla COM26CIAL IpI4 CD1MLlC1Al Mt"
(,Wsd) (raVlsd) ("Vl sod) trv,isd) (rn.lsadl tr"Ised) (rnlisd)
p o!0 Usb ft>s 16/12 ISM ISM 0112 15r12 11/12 1S/12 11/12 ISM
!+) US.007 Per claim i124,269.00 stu'265.00 $151,145.56 f139,Or4.66 $06.046.44 st".076.48 s136,063.6A 6139.074.Le 1136,046.44 l
s40,090 rM claim S1G,677.00 s1Dt,tT.00 6135,4f0.34 s114,609.03 s121,901.(4 1124.609.04 7121,90S.N s124,609.06 1f21,fO1.4 +FF."'ri
aSO.00o ►or Claim 26,644.00 a65,66i.G(: flit,/1t.:7 3107,�^!.d 1 CO.M.66 f102,609.60 s100.379.13 SL02.609.60 f100,S19. 6':
mil► i.'„-
rlcwrsd erd fold MI 12/12 12/12 12/12
S35,0w ►er claim 8106,697.to 9106,69s.00 9129,941.36
141).Om PH Claim 1M,Of0.c0 sn'010.00 s116,464.06
650,000►er Claim f71,330.CO s71,668.00 295,696.Do
Mwrod tests (431 1L0 it/IS R/15
f3S,000 Nr Claim 6118'"0.60 1116,950.00 su1.S16R
uo,000 Par Claim s99.375.00 $99.375.03 st".369.46
550,000 Par claim 260.3t7.02 s60.3H.00 6107.366.110
.Mewl AKttu7T fiv/10s1 Medical. Ila, medical. an. ad(cel, fa, l/dleol, fX, ■dlut, as, medical Otb• adlul MAY soQlul. 5X, adlul, 60, ,Tyi
I'd V.I.. Vision Y.1.. Vision Y.I., Vision V.I., VI/IM Y.I.. Vision
Y.1., Vblsn Y.1.. V011an !.
0 ant Dontel and Dental sod Dental and Dental Wald Dental
Via 88a11 Oil15/12 15/12 15/12 15112 13/12 15/12 ISM
�rsmlW so pate co ¢mta t12,t70.00 s12.5mcd 6f2,37s.CC s12,37s.(S) a1i,775.00 3/2,377.00 {I2,)73.00
ItlmitmMt Paint (MAW) 5993,017.00 "0,u5.00 s666,750.00 SAM'O 5.00 3939,945.00 f930,540.00
IttaeMent P91ht til0,OD0) f1,e03.I10.D0 $1.003,I10.00 lim.m.DO SAT3,460.tq f�664,130.07 7W9,u0.00 69SO,943.Ot
s1.023.160.00 SI'D1i,156.00 L"C'95S.00 S632,045.00 s966,430.00 sna.740.00
Ittaclwnt Point (350,000)
aM'a Note:
earlrttunt's 6otas U. Vie Vision
Im rod and raid (5)1 12112 12/12 12/12 6sWul wwtb worth
t,
•rmmitn s11,94D.00 211,040.00 311,329.00 sAWres. 1154,200 p5,00
ttteChmt Point CS33,000) 1905,3r.00 $810,500.00
It wry,ment Path- CS40,000) s90S,Sn.o0 swo'"O.00 S352,64S.D0 Dantsl. 4, Wt. Vision ccsOlWad Worth approx. ff2P,23)0.
AttacMmnt rolnt (SI0,000) 190,S25.00 t650,500.00
.rcvrrd toils t4)W IVIS 12/IS 12/13 luis 12/5s 12/1S MIS IVIS R/15
•rmo1M au,591.00 11L,S91.00 f12,150.00 212,21".09 /12,3T5.00 S12,11MOO 612,SR.00 11112,375.00
Ltt►clmsnt roles- Ls33,000) f1.tOt,]IS.00 t993,250,00 3991,075.w 1963,us.00 s664,730.00 s656,093.60 sf79.94S.00 $930,
54
WttacAont Point (340,900) 51,104,3115.00 t996.23o.00 31.003,11C.Do $, 110.00
1,00,110.00 s1 7.950.00 f690.95S 00 s662r043.00 a96a,aD.m s9S0.
lttac6eent Potnt csf0.000) 11,104,315.DO S096.230.00
calwltot Wm aota: -Tn.ZOO m I
t06i,050 � .
a Col. 2 amPer'ad
V Wl/ Col. 7 Y/0 Dentalr
r
Vision, sXr YI
r+
-r,r 7 , .»... �:_rn:�.-.�sMs>•^"y
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city W W
OCTOBCI 149)....1" Via.✓
Trar.-t:w+ral
• lllt Alm L4t0 %AJI Ilor 14. Comb. Yw to Me*Icon St rdaR! Linder
/rvfV furry [abort Tatar timer a. 1. 011aart -
�..,.�� ac[Iw Wei Retired Me (90a)750-7106 mist. Tm-m6 to
8)9 2V00 (et]) Tm-OSOa
K
104 IM 10a lea
Active Ineweda
.or( 15f,1 O,aaal2,O.7ra1
tSt,l0.aaaaa 2,0O-77na1 utq,,oQuµb,L,e0..nmLtlr Wu yy,0a SO."
.a2 10.29
emtlly lelo ► r 1100: 11,31
$2.116.31
marY Tout fl,0A,07a
lob tol..[ f5.0".074 A76a
..
` ?11't?•: Itonuty Rate Ier 61=1 b.06 N.O5
b.06 b.tK
1S02.Ia 11252.20
.._ Numbly Tatel tJ02.61 0232.70
r xnln0 lrreds 21 21 21
M tt
Life 1/sl(e�l S07,0m 1137.000 1131,Y00 fIS7,000
monthly Rate Par f1o00o 60.42 10.29 b.29 RD.m
. � wltthlY Total
1t37,000 157.54 ti9.7! W3 &D.62 - -
* 1137,000 f137,000
$ AOb Yeltrr 1tl7,I70o
..:{ Monthly Rate FW 110001 20.06 90.05 f0.06 90.05
' ..i IlurMllly Total 10.22 fB.D Se.22 WAS
f2,aeA.92 f1,T01.l7 11,6D.31 f1.606.13
Total 11fNADiO ON. tau:
r t '4- ieial Anealal taetl 12D.tl12.99 121,1]8.7e f21,ra0.31 1/9.Z73.b _ .
r _
tt".i: '� 1. Ra111rrOt7 Yaa TN 0o so
Z. 1/ IKlyded for iN Tq
Active Ife7
if no, beedt.e7 1/A 1/A VIA
VIA
i
9I l t IAC.tAW
•r
r
i
\y{
11
_ � 1
SEP-27-1993 09:04 P.12
r
1 ..�_.,.-....._ . _..._.�.._.-_ ._.....�•.�ar.�.._�z..c+.�.�.p._T ..�.�t�'JILiTdg.A�^'�� �_��� �-� ...-.� �f������
h M r'R•'Z �V
y k�' Avyyy
CIII Of cAYIA ptc/ICAI
I7C1mIg 1491 ..
- �._ lreer••tansrsl
fJg1 it" t1i4ADA/ Ilerfda cda. Ygrth a�rlta� atea. Gi
1■It■#aalotlu
/abret fatty llrder ■. /. Cilhwt t{ Off
ul�tas
(9'a6) Yyp-7/06 (am ?26-NOA {/ts? ov-xsoo laotl �
Tr Tee
�..` 1. V$tW for b dayt? Tee
3. 2s monnits Iw
/i go. rate Yes
Tes
Guarantee?
Y/A too tr Yr
tawert =y tam Ze NW"- tK Itonths
lwnpth? (_a
}. ■Illlr/ systea7 tter hill selfhecc tlnp f#If•eacemtlA Nlf-•rxeaK lr/
Les yes V" '.
A. duplicate of Ye
1r•awa pro/rr7
-. S. cmtrK% prcv{slaoe V.
In Tm yes
1 .qut to preterit y
a
I
Y Tes r
#amity#Lssarry Tedr
based W Whir
epaclfled In /f17 j
M YesYr
T. oryllule Preterit so - '
W ysrwllt?
/. plsposltlm of continue
Gwntlnus In foal# Cantlrsr
mWoved W ctolm
• Lyon terns etlon
1ta of smater pulley?
plsposltion of contln loth Yorml proves Cantina#
pwwing ll# claim
;h u
� Lppa tersdnetloe
of +ester policy
10. lfalw MY rut# and Les
Yes No Na
wccpt dlsJtlllttes
It ewers/# Is rot
exterdnd uder prfor
policy?
1 if. Irclndal rewired T••
Tes They hens i t Too
epeciaen polleyf
I 12. Life prapessl yes TOM yes
Too
fres•standing? .
CadltlConditionalY/A MIA
Y/A r{ '
Contingencies? l
t
12 p
P.13
SU-27-1993 09;04
_
4 YAS i 'f tiro
- - 3 k4C�� T• N
411T C/ DMIA
fJtOV• 7[Idt lll[!%ob
1e1[ISC"T001(1
(lade To) _
G�^ we
uA 1J. It contingent. MIA
prwlur credit
i'
allowed?
t65/g1000
14. Gials,charge for SIC&ISlo00 Age
Rated
life to,weraLn _
an termination of
- 15. Maintain records on yea Yes pee `�',
actlw od retired
i
its seperatelyl
' Jactsatvsite. wlrnapa0. PpNard. PltiaMea9n,
16. claim pa/mmM paeraylvanla
+ leclllty lacatloe7 rloelda Cal llernla Oregon
C'
i
i
1). Awnpa [nmardesrl
tied for claim
payment: ..
a) Wturrl Min 4-7Morc daysy 10 days
10 do" 15 wort, days -
10 days 0 days .
- 6) Arcldw.ul death after receipt 10 drys 10 days 30 llayt
t) M► of pert. Info 10 days
I
10. erpeeacntatlw In
rwatlstiva7 .
Michael Mel no Jde Licht
f %evin Pan1U1 -
it( Director
111e: Ards tag. Dir. 6r. Crew teD sag.,
Ft. LMd.. Fla. ZM Paean lorry Rd.
Location: Mimi. fla. Atlanta. GO.
Irl•plw.ae (305) 597-7279 (30S) 771-2667
19- Deliver date for
first draft of:
e) %~fit b.Alete within 30 day% 15 days after 6 tea'
.{ 0) ConlrmCl of eased sinned apP 6 lase _
20. A.M. test tatlp7
1990 Lae letter A• 11 M Vill MA'S
im non-rated A. I% A. V111 %A•$
IOU (elm Cross) A. 1% A. Vill Q-S
21. PM140 Annal yes Tee yu
prwiaticlais data
separately for [Ca
and nip?
k
13
P.14
Sc—P-27—OEG 09:05 a� F
"
3
I� µ
-1.
wf -
?. Y o�
r
aC10Kf )99) '
Glut Try% LUE AND
tia LtIOGAR%as
trolo r►rw) -
I
otVtATlOflt LIh A9►D
Irrlur tlorr listed ' -
rrdace ypa a TD rued lot of _
with m redre- tooth fallwlnl
tfm for CO" doo of
It erd Clre V dledtllty hofem -
17;� op AD. tI
1e . of at CO "MLV. O t
m mlr cell
Irrurerret
propo l) rpsl red.)
' 93Lt11aTy.YW
1
i
1'
14
4
P.15 4
SEP-27-1993 09:05
a GL4
I (
i
__ ___ ..aa� .. SSA-_tl Mu�.C, r+.w._�u-. .'..—arvylRa�•��� .i. xl �. y f4
... 14
f
� w
Y' 4
t•
city 0f 9AYIA [FLORIDA]
DETOUR 1993
OFTIOYLL L13E 1rs�-Ca+r.l -
Am ADW PLA31 Robert•[seer M•r A..rlrri MtAA. Gilbert Linder
t e.l, -
.>�ry [fern -Mfiesser L
Linder
[
Active[.ptw&"amy (90G)730.1'006 D1SI 726 W06 t013) Y79.2900 1613) 726.0506 �.
A. C30MITE MATES
S. Art uTiO SSIWC7UEE • t to S3• biccl to f"
eeaIc sle Li t[N 1sin9 4e[c Lit. 6.Iq
p.,k.aed at so. pfrelm" At".
Lu./ Line/
'..,� Life saw Lit. AOTD law Aam Life ANA
ssoker MarrSmAsr
.09 .CS .72'S .167 AO OU•te � •
Lns them Age 30 EE .13 .06 .167
rams. MIA MIA .09 .05 .225
Ales 30•34 it .17 CIA MIA
.10 .in .756 .174
Fee WA MIA .10 .OS .276 .17i
fE .17 .06 .1% .CS
3yts 35.39 '�.
fan. MIA VIA .13 .OS •P2 .209
.21 .06 .<35 .302
j AV"l0-U it MIA MIA .435 .502
A9n <S•<0 I[ .45 .06 .37 .05 .697 .483 `.. ..
Tom. UIA WA .37 .05 .697 t
Me. York F
t.0a2 .715 life Iro.
A9r SC.K if .70 .06 .S9 .OS -
Ir. WA MIA
.SO .05 1.042 .71S Co.
Ape• 55•59 EE 1.13 .06 .96 .05 1.611S 1.1111 Life AM i.
' norm. MIA WA
.96 As 1.665 1.101 i
1.107 lidlvldwlly
As" 60,64 E( 1.57 .Ob 1.<6 .05 1.996
l Fm MIA VIA 1.49 .05 1.995 1.397 Indenir l A ten
Woollens
2.26 .OS 3.650 2.630 life Ins.
Ages 65-69 EE 2.23 .06 2.670
Ir. MIA WA 2.26 .05 3•6" t'oneulta.t
I
AV" 70-7t [[ MIA MIA 3.40 .CS 6.305 <•� Ear3(:
Mon-solicited
fr. WA WA l.LO .C5 6.305 <.61t6 I
i ttverpe 11pe.
Ages 75• EE Y/a WA 5.14 .01 9.070 6.091
Unable to
tan. WA S.tG .CS 9.070 6.091 t l
dw
MIA
to
lack
k of
�
•• Teralrot" •• Child Ga~. •• Children other bf6.
At A9r: 70 or Is .60 psr .40 for S2.01141,•. WO ;,
ratlteeent ith fw 1.00 for IS, 0
%Aitl3rver 1 or More 2.00 for 110,000
ecrire first. rh II&
q� combined. ca areotes !
dl 9SLlwaE.HCO 15 s10,000 �
P.16
SEP-27-1993 09:06
war _-Y•-• _ --•.. .:r -. ..cn••..y."'., nr.,x: ii1�,'s
17
AV Lyt �etf Y
8
_ CITY CF OUIIA I/LQIDA
OClmt■ IM
CP?IDOAL TEIR IIiL/
tlwid. Ce.6. North Ae ICM itaMarE ir.rf•GarrN
WED Ia1Cas0GATQIEf soEert fetter UnderM. a. alleert Linder
f90k) 730.7506 (11/3) TM•oW (80) 879-2M OCA) 431-iOM
f. Val Id ter 90 deter r.a
man its so quote
q,
2. 12 m. rets in 1n K timtss
Varmin7 _
f
7. Aae lar.,.,t7 man M sett
Y.Iver Included? mama to man _
Mini" r ,Im t 4m 15 L,vea
. 6. Maa eevtraae/i?dw.
Yes
ulthout Evid.co [e aSO.Dw fI sm.c
sera fn/ss,om
With Evlderce LE f100,000 Sk s100,wo
erica f30/10.000
. . 7. Dap?lesm presets ao so maw
ur bonefitr
s. Dlepositim of Cantiren Co?tl ree In forae
pprd ed ur ctslar
Iqm terwhvtion
;^ of master poll"?
i
9. Dlepositim of C'Ontlraw Cant l ry somt process
VIVII
i prdfny W claim
Loom tonvinatlm
MEN
I of .aster pal Icy?
Ia. Included rewired man No Me
! spec Jaen pullcy7
{
IT. Life propose? No Ilo man
free-etmdinar
ccrditiem/ anic Life aeaic Life a/A
Conti to in?
i
f
16
SEP-27-1993 09:06 P. sM
.. •.:.... _.�-__- -,.. .. ^err-.^..-c*a •.aa.�..•�+v..M.,--m-rsv-,e '
w --
tL
e i
x_
--
INi...
`{iTIi�A It"
it
_ s
1
pcity of wth MORIDA1
It1CTOUR 1993
t1e Itoride wr
Comb. vorth Ai— Standard
Olifstll i[w UI[� N. W. Gilbert -
ADO liffistar.AT(wits td.mrt fefTw tinder 1a13) an-29111
90 - .
1U YM.7/06 ta13) 726"m06VIA IWA
.
17- 11 can Oyot. VIAa !,•' •;1
prao1w,credit
i attcwdf
f . .. 13. Claim [Marge for 110tA1000 lye Retail -
lifecanversiort
an terairistlon of
t btse son. to: g�9r601ca aeectrmTb'IcA ` x' S _
1A. Rarrw a rwi.tWer.
a vml.7epar.
Vlnrrpe0. mrttard.
is. claim P+VrK AKtuom ills,
' California Ores—
facility loutlonf florlda
y 16. A.rago ttwnwvJ d °�•;. .
tive far claim
,i�•.-! .
pgsaR t
10 days
a) Yatval death 4•7 ror1: mays 10 don to days 10 drys 4
b) Accidental death of part. Inter to 10 days 10 days
c) V
17. Rt7weaentative In
negotiations?
a~: MlchoaL wound )ohn Licht
Vitt*: Area tn. bir. sr. crap tep .
Locrtlon: Nlwl, fie. ft. Laid— fig.
iatef —• ISM) S9T-7279 (SOS) Tn-N67
Ia. cat lver date for
first draft oh
At ternflt boollotc within 30 days 15 dqe after
at rrd ait� am ..
p) radrsct -
I
19. A.M. Not VAtim, f�
CM lftTer - M IR ►•Vill I
1969 .s,n-eared At It
Am 91ll
10a0
(DIM Cross) A• Is A• 9)Il 1
Tee yes i.
20. ►ralb enruat
prcnl W cl On date
separately for tta 19
and We? -
P.18
SEP-27-1993 09:07
4
Gp T
-r 1
� a
a
6
f
i
E
i
[Iit of DAaIA yttlelDO
acme 1993
+ OPTIONAL TERM 11►r/ flrtde Ceab, starlit Arrlcan strdrrd
kcbwt Factor
_... ADm Ia1[RA'dtTD111n (t"P no ?a06 tat�r26•t1306 tan) am-29D6 .
21. aequirs Initial tot No. pry, lot too. Irv.
Deposit?
22. 91111a/rtnod? List bill salf•eccamtlna
i 23. [aplvfac Adam. rrdvtt nt rat. co icatfon
aaquf rcwnst? and payroll dad. and pwall tied.
2A. Depwdant t1le rn Les .. .
Children 15,OW
25. ne-nnthar ILltq None 11"
26. Least. disputed claim? too Dpeds m sit.
la6al Intorp.
..I of policy.
Incl. In adlln.
27. Assist In tort.? Les rn
!� Custattlted Incl. Incl. to cost.
1 In cost.
2a. Claim data? to to `
J a^
i
DCHIAIIDNi: tee proposal
fr spouse
erd children w
+� <OaereAaa. � L
S
]a
r.
�c
I
93Ufta?11.1Am f
a
i
SEP 27-1993 09:07 P.19
"i
r
� Florida Coined
�Pooes: Life prepared BY' RobRobert L'.,HGuer
a:
Telephone:
� . nsurancc o ; lr,(:.
� TncNT 4 O'a88
i8E7CLY 7�CC
r; _p 0II3A _ Premitns &t�onat Y
1st Day Iaj0rY. at
h Dap
8lckaaan; Sot of salary.
on 1 Max E100/Reok Duration = 26 weeks {
Rate Per Total
Eligible $10 of Weekly Monthly
No. Weekly neneti
urssl P5YL4�i $__3 7Q 9 d2
� 58
100_ «n ao�0_ 5 41.753.04 _
'. Total AnnuaXil2) Premium 1st year
(Monthly
8tn 60t of salary.
1beL Day e
OPtLo " ath Day In"ry ration 26 weeks
Max $500/we"- Due
Rate per Total
Eligible Monthly
Weekly $10 0 Weekly y
No• E�Y�1 r
rnsur .4
j $ 4Total Annualized Premium 1st year
(Monthly k 12) "
$ N/A
� 1, Pooling Level
2. Is Waiver of ES
Premium Included'
echarge? Y YES,
If Yes.. What is P
j May W.P. be excluded? YES , NO X
is No: May W.P. be addedi $—
What additional pemium'
{
19
i
1 f4 `
2 .
P.20
t t s
SEP-27-19933 09:08
Fn
{Y
t _.---...«rTr.�•,v,4-n F�:s;n';rcx° „ •r� . ry � Vic'.
,kp
w
tzfr
prows: Florida Ca-Lined Prepar�l By Robert t. teIBUb
i e nsurance o. Telephone No:�9Q4 73_ U�—�$Ub
Si.R�� 1.6f•Nr rC1R1Y,*•� P1�OPQ�� - -
rvYlth P�rtfel_Dis><bllitY) .
SiCc9iB�ila
jj ?.Yeltr $ Y �
1 srnn�, p, CA Ratc W:th
hrti,� a1 j a"I �
g¢4av Elimination:
Per $100 of Covered Payroll S•42 1 .62 S .80
Per $100 of Benefit
S.70 $1.03 $1.33
��t ll,enep in Bale f+ Oi No Bid
for 60 Dav EliminaStn:
Per S100 of Covered Payroll
Per $100 of Beueflt
1 •n Rate QrA
r
Per $100 of Covered Payroll S-.16 -$.20
per S100 of Benefit1 .27 -5.33 S•41
i
What covered payroll have you used? S 2.59,792
I
l 20
SEP-27-1993 09:08 P.21
A^ h r
.;'. ..
STANDARD INSURANCE CDNYAliY
is
LOW. TERM DISABILITY INSURANCE -
` PLAN AI ..
SCHEDULE OF INSORANCE
Class: all eligible
i
BENEFIT FORMULA
6o% of the first $10.000 of monthly earnings, reduced by
deductible intone.
Maximum Monthly Benefit Waiting Maximum Benefit
Period Period
Benefit.
;?
$6,O00 90 Days To Age 65 + ADEA
�'. .
f 3r
j COST
Total Percent
No. of Covered Covered Monthly
Lives Payroll Premium
BS 5213,972 .570 $1,862
I
1
i
i
A
21 273688-1-930830
E{
P.22
SEP-27-1993 09:09 '
I.
7.
t
al
Jak
Benefits Plus, Inc.
f\-ff CW r Pion 41 WS
Alabs"35143 '
ofte IM70-3161
M
fa 201.6701561 4
,
nuyuet 31, 1993
Ms. Mary Stan Lord
-7 uenuiit Y.aneyeaant Services
701 tnterpriaw Rd. East. Suits 4U4
Ssfuty Harbor. rL 34691
Rut •rhw City of Dania '
near lie. Stanfordi `
The purpose of this letter is to confirm that there will
bo no Change 1n our basis ror the year 1993-94.
I am enclosing n copy Of the form "Florida Statutes,
i 0n Public Entity Crimals" which has been signed and
Bent to MIRe Smith at The City of Dania.
it you have
any
questions
2r need
further Information,
please gve a call at461 .
Jan Hycbo u7c» .M�.�... 3
ofrlce Nanagur Poat-if"brAW fax sansmt"afnwm -
N yC rrr
Enc. �� 57 o f t15
fenJ'
SeNE fry
3V4-
1
22
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SEP-27-1993 09:09
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