Spreadsheet: 1c41d0dc-bc76-4327-8029-db2d821d336c
Sheet: Sheet1

EXHIBIT 4 - LTD CONTRACT COMPARISON | Unnamed: 1
CITY OF RIO RANCHO
LONG TERM DISABILITY CONTRACT DETAILS
PROPOSED EFFECTIVE DATE:  FEBRUARY 1, 2014
CARRIERS:  YOU MUST COMPLETE THE FOLLOWING DESCRIPTION OF BENEFITS OFFERED BY THE LTD CONTRACT YOU ARE PROPOSING.  RESPONSES MUST BE PROVIDED USING EXCEL.  DO NOT ALTER THE FORMAT OR REQUESTED DATA IN ANY WAY.
CONTRACT COMPARISON | VENDOR RESPONSE
What is the definition of own occupation?
Does the elimination period count toward the “own occ” period?
Definition of  any occupation
Is Earnings Loss AND Occupation Loss required to satisfy elimination period or begin benefit payments?
Does your standard LTD policy contain a requirement that total disability must precede partial disability?
Can you provide a residual definition from the 1st day of disability, based on an earnings test of 80%?
If yes, what is the incremental increase to proposed rates?
Using 80% earnings test, do you index pre-disability earnings so benefit is not offset by future raises?
Describe how separate periods of disability from the same cause are calculated to determine the elimination period.
Are discounts applied to these limitations?
Does your contract contain a childcare benefit?
Does your contract contain a spouse disability benefit?
Does your contract contain any Long Term Care benefits?
Does your contract provide Reasonable Accommodation/Worksite Modification benefits?
What is the benefit?
Does your contract include CPI indexation?
How does it work?
Do you have a Cost of Living Adjustment (COLA)?
If yes, what is the impact on the rate?
Is Waiver of Premium included?
Confirm the following: the premium must be waived after the employee satisfies the elimination period and the WOP is applicable when the employee is approved for the benefit.
Does your LTD policy include a portability privilege?
Describe any Survivor Income Benefit
Describe the following standard LTD contract provisions:
Partial Disability Benefit Calculation
Other standard LTD contract provisions:
Indexation
Identify any additional benefits / provisions
Your coverage is to reflect coverage provided on a no loss / no gain basis
Does your standard LTD contract have any  of the following exclusions?
Armed conflict, war
Intentionally self-inflicted injury
Sickness, injury occurring while in military services
Committing assault or felony
Participation in riot
Injuries suffered in fight in which EE is aggressor
Loss of professional license / certification
Sickness/injury due to cosmetic or reconstructive surgery, except surgery to correct deformity caused by sickness/injury
Does the LTD plan include an Employee Assistance Program (EAP)? If yes, describe benefits such as # [NAME] and face-to-face vists, legal  and financial assistance, etc.
What is the additional cost of the EAP?
Does the EAP plan and rates include all employees or just those who are enrolled in the LTD plan?
If the EAP plan only includes LTD enrolled employees, what is the additional charge to add the non-enrolled LTD employees?
Does your contract require the claimant to apply for Social Security or PERA disability benefits to receive benefits from you?