Clear Creek Independent School District Ionwave #2026.409

Clear Creek ISD Solicitation for Life, AD&D, and Disability Insurance Services

Clear Creek Independent School District (CCISD) is seeking proposals for comprehensive life, accidental death & dismemberment (AD&D), and disability insurance services for its employees. - Government Buyer: - Clear Creek Independent School District (CCISD), League City, Texas - OEMs and Vendors Mentioned: - Madison National Life Insurance Company, Inc. (current disability and long-term disability carrier) - Lincoln Life Assurance Company of Boston (current life insurance carrier) - Products and Services Requested: - Fully insured basic life insurance ($25,000 death benefit, 100% employer paid) - Fully insured basic AD&D insurance ($25,000 benefit, 100% employer paid) - Voluntary life insurance (employee up to 7x salary/$550,000, spouse and child coverage, guarantee issue up to $300,000) - Voluntary AD&D insurance (employee, spouse, and child coverage with specified maximums) - Voluntary basic dependent life and AD&D insurance (spouse $10,000, child $5,000) - Self-funded short term disability (STD) plan (up to 66.67% of salary, max $4,000/month, 2,342 current participants) - Fully insured long term disability (LTD) insurance (60% of salary up to $7,500/month, 90-day elimination, employer paid) - Administrative services for all plans, including claims processing, employee enrollment via HUB platform, reporting, and customer support - Unique or Notable Requirements: - Proposals must closely match current plan designs and rates - Preference for a single vendor for both life and disability services, but may award separately - Errors and Omissions insurance of at least $1,000,000 per occurrence required - Firm proposal rates at the effective date - Ability to remove ERISA language from all policies and communications - Commissions: 0% for employer-paid coverages, 20% for voluntary coverages - Coverage for all eligible employees working at least 15 hours/week in TRS-eligible positions - Detailed provisions for reinstatement, pre-existing conditions, and annual enrollment - Place of Performance: - Clear Creek ISD facilities, League City, Texas

Description

Clear Creek Independent School District (CCISD) has issued a Request for Proposal (RFP) 2026.409 to procure administrative services for a self-funded short term disability plan, fully insured basic life and AD&D, voluntary basic dependent life and AD&D insurance, voluntary life insurance for employees, spouses, and children, voluntary accidental death and dismemberment, and fully insured long term disability insurance. The contract is intended to start on September 1, 2026, for an initial one-year period with possible annual renewals up to four additional years, subject to Board approval. The District prefers to purchase both life and disability insurance services from the same vendor but reserves the right to split the services if deemed in the District's best interest. Proposals must include detailed information about coverage, commissions, administrative support, claims administration, and underwriting contingencies.

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