Short Term/Long Term Disability & Long Term Disability Only Services
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2026-RFP-065-PRState & Local
Response Deadline
Contract Overview
Solicitation details, issuing organization, response deadlines, documents, and interested companies for this government contract opportunity.
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The County of Dane is soliciting proposals under RFP 2026-RFP-065-PR for the provision of group short-term disability, long-term disability, and long-term disability only insurance services for its employees. The intended contract start date is May 1, 2027, with the County seeking either a three-year guaranteed rate contract with two optional one-year renewals or a five-year fixed contract. Proposals are being evaluated on a points-based system focusing on organizational capabilities, customer support, and compliance with premium payment, reporting, and general requirements, with the lowest cost proposal receiving the most points in the quantitative cost evaluation. The submission deadline was modified via addendum to November 13, 2026, at 2:00 pm CST.
The scope of work includes comprehensive claims management and the administration of benefits, with specific requirements for the transition from short-term to long-term disability. The selected provider must adhere to strict non-discrimination and civil rights compliance standards, including the submission of a Civil Rights Compliance Plan and an Affirmative Action Plan. Administrative requirements include submitting invoices via email with a valid purchase order number, with payment terms set at thirty days upon acceptance of services. The current insurance environment involves a transition from a previous agreement with Standard Insurance Company, which included performance guarantees and specific member eligibility definitions requiring full-time status and US or Canada residency.
General Info
Dane County seeks proposals for employee short and long-term disability insurance services.
HighAI Summary for 2026-RFP-065-PR Short Term/Long Term Disability & Long Term Disability Only Services: Request for Proposal (2026-RFP-065-PR) issued by the County of Dane on September 23, 2026, for Short Term/Long Term Disability and Long Term Disability Only services. The document outlines the solicitation process, timeline, and submission requirements, with a response deadline of November 13, 2026, and a projected contract start date of May 1, 2027.
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PDF, High priority: read this firstrfp
HighAI Summary for 2026-RFP-065-PR Short Term/Long Term Disability Services: Request for Proposal (RFP #2026-RFP-065-PR) issued by the County of Dane on September 23, 2026, for Short Term/Long Term Disability and Long Term Disability Only services. The document outlines the solicitation process, submission deadlines (November 6, 2026), and a comprehensive list of policy and census attachments. The intended contract start date is May 1, 2027.
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PDF, High priority: read this firstrfp
HighAI Summary for 2026-RFP-065-PR: Short Term/Long Term Disability Services: Request for Proposal (RFP #2026-RFP-065-PR) issued by the County of Dane on September 23, 2026, for Short Term/Long Term Disability and Long Term Disability Only services. The document outlines the solicitation process, timeline, and submission requirements, with a proposal deadline of November 6, 2026, and a target contract start date of May 1, 2027.
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PDF, High priority: read this first45 pages · rfp
HighAI Summary for 2026-RFP-065-PR: Short Term/Long Term Disability Services: Request for Proposal (RFP #2026-RFP-065-PR) issued by the County of Dane on September 23, 2026, for Short Term/Long Term Disability and Long Term Disability Only services. The document outlines the solicitation process, timeline, and submission requirements, with a proposal deadline of November 6, 2026, and a target contract start date of May 1, 2027.
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PDF, High priority: read this first45 pages · rfp
HighAI Summary for County of Dane RFP065 PR - Short Term/Long Term Disability Services: Request for Proposal (RFP065 PR) issued by the County of Dane on September 23, 2026, for Short Term/Long Term Disability and Long Term Disability Only services. The document outlines the solicitation process, submission deadlines (November 6, 2026), and a comprehensive list of attachments including census data and policy documents. It specifies a contract start date of May 1, 2027.
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PDF, High priority: read this first13 pages · contract-document
HighAI Summary for Dane County Contract #14635 - The Standard: This is a service agreement between Dane County and Standard Insurance Company (The Standard) for the provision of Group Short Term/Long Term Disability and Long Term Only Disability Insurance. The contract specifies a maximum cost of $4,254,668 and an expiration date of 4/30/2027. It outlines terms regarding services, assignment, and termination protocols.
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XLSX, High priority: read this first2 pages · specifications
HighAI Summary for Dane County Short and Long Term Disability Experience Data: Claims experience data for County of Dane contract #163054, covering Short Term Disability (STD) and Long Term Disability (LTD). The document provides historical data from 5/1/21 through 8/31/26, including lives covered, earned premiums, paid claims, and loss ratios.
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PDF, High priority: read this firstcontract-document
HighAI Summary for Group Long Term Disability Insurance Policy: Group Long Term Disability Insurance Policy issued by Standard Insurance Company for the County of Dane, effective May 1, 2017. The document sets forth policyholder and employer information, eligibility requirements, benefit formulas, waiting periods, maximum benefit periods, premium contribution terms, definitions, exclusions, claims provisions, and policyholder provisions for LTD coverage.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy 163054-A Amendment No. 4 - Member Definition: Amendment No. 4 to Group Policy 163054-A for the County of Dane, effective May 1, 2017. This document modifies the 'Coverage Features' and 'Becoming Insured' sections to specifically define 'Member' as a full-time elected county official or regular employee working at least 20 hours per week and residing in the US or Canada, while explicitly excluding temporary, seasonal, leased employees, independent contractors, and full-time military members.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy 163054-A Amendment No. 5 - County of Dane: Amendment No. 5 to Group Policy 163054-A for the County of Dane, effective May 1, 2022. This document modifies the 'Evidence Of Insurability' requirements for contributory insurance, specifically outlining conditions under which evidence is required and the process for providing such evidence during the open enrollment period from February 21, 2022, to March 18, 2022.
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PDF, High priority: read this firstmodification
HighAI Summary for Group Policy 163054-B Amendment No. 5 - Member Definition: Amendment No. 5 to Group Policy 163054-B for the County of Dane, effective May 1, 2017. This document modifies the 'Coverage Features' and 'Becoming Insured' sections to specifically define 'Member' eligibility, requiring full-time status, election of both short and long term disability, active work of at least 20 hours per week, and US/Canada residency.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy 163054-B Amendment No. 6 - County of Dane: Amendment No. 6 to Group Policy 163054-B for the County of Dane, effective May 1, 2022. This document modifies the 'Evidence Of Insurability' requirements for contributory insurance, specifically outlining conditions for waivers during the open enrollment period (February 21, 2022, to March 18, 2022) and the process for providing evidence of insurability.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy Amendment No. 1: Group Policy Amendment No. 1 for Group Policy 163054-A issued to County of Dane as policyholder. Effective January 10, 2018, it revises Part A, "When Insurance Becomes Effective," updating rules for insurance subject to and not subject to evidence of insurability, including eligibility dates, application timing, and late-application requirements.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy Amendment No. 1 - County of Dane: Amendment No. 1 to Group Policy 163054-B for the County of Dane, effective May 30, 2017. This document modifies the 'Definition of Disability' to an 'Own Occupation' standard, specifying that a person is disabled if they cannot perform material duties of their own occupation and suffer at least an 80% loss in predisability earnings.
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PDF, High priority: read this firstmodification
HighAI Summary for Group Policy Amendment No. 2 - County of Dane: Amendment No. 2 to Group Policy 163054-A for the County of Dane, effective January 10, 2018. This document nullifies Amendment No. 1 and updates the 'When Your Insurance Becomes Effective' section, specifically detailing the effective dates for insurance subject to and not subject to Evidence Of Insurability for both contributory and noncontributory coverage.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy Amendment No. 2 - County of Dane: Group Policy Amendment No. 2 for Group Policy 163054-B issued to the County of Dane. Effective January 10, 2018, this document modifies the 'When Your Insurance Becomes Effective' section, specifically detailing the effective dates for insurance subject to and not subject to Evidence Of Insurability for both contributory and noncontributory coverage.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy Amendment No. 3 - County of Dane: Amendment No. 3 to Group Policy 163054-A for the County of Dane, effective June 1, 2021. The document adds Nick Brower (Capital Area Regional Planning Commission Member) as an insured party without requiring Evidence Of Insurability.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy Amendment No. 3 - County of Dane: Group Policy Amendment No. 3 for Group Policy 163054-B issued to the County of Dane, effective January 1, 2018. This document nullifies Amendment No. 2 and updates the 'When Insurance Becomes Effective' section, detailing the effective dates for insurance subject to and not subject to Evidence of Insurability for both contributory and noncontributory coverage.
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PDF, High priority: read this firstamendment
HighAI Summary for Group Policy Amendment No. 4 - County of Dane: Amendment No. 4 to Group Policy 163054-B for the County of Dane, effective May 1, 2017. This document modifies the Limitations section (item C) to specify that Short Term Disability (STD) benefits will not be paid during periods when the employee is receiving paid sick leave, annual/personal leave, or other salary continuation from the employer.
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XLSX, Low priorityother
LowAI Summary for County of Dane Disability Insurance Experience Report - Contract 163054: Financial experience report for County of Dane (Contract 163054) covering Short Term and Long Term Disability. Includes paid and incurred claims, earned premiums, and loss ratios from 2021 through 2026, as well as a reconciliation of benefit payments for the 2025-26 period.
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XLSX, Low priority2 pages · past-performance
LowAI Summary for County of Dane Experience Data - Incurred & Paid Break Down: Claims experience data for County of Dane (Contract 163054) covering Short Term and Long Term Disability. Includes earned premiums, paid/incurred claims, and loss ratios from 5/1/21 through 8/31/26.
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XLSX, Low priority16 pages · other
LowAI Summary for County of Dane Group Claim Experience (1/1/2021 - 8/31/2026): A confidential group claim experience report for the County of Dane, covering the period from January 1, 2021, through August 31, 2026. The document contains a detailed list of Short-Term Disability (STD) claims, including claimant names, dates, benefit amounts, and total paid amounts.
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PDF, Low prioritycontract-document
LowAI Summary for County of Dane Group Long Term Disability Insurance Certificate: A Group Long Term Disability Insurance Certificate issued by Standard Insurance Company to the County of Dane, effective May 1, 2017. The document outlines coverage features, eligibility requirements, benefit formulas, and policy definitions for insured members.
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PDF, Low prioritycontract-document
LowAI Summary for County of Dane Group Long Term Disability Insurance Certificate: A Group Long Term Disability Insurance Certificate issued by Standard Insurance Company to the County of Dane, effective May 1, 2017. The document outlines coverage features, eligibility requirements, benefit formulas, and policy terms for insured members.
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PDF, Low prioritycontract-document
LowAI Summary for County of Dane Group Long Term Disability Insurance Certificate: A Group Long Term Disability Insurance Certificate issued by Standard Insurance Company to the County of Dane, effective May 1, 2017. The document outlines coverage features, eligibility requirements, benefit formulas, and policy terms for members not insured under the Short Term Disability Policy.
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PDF, Low prioritycontract-document
LowAI Summary for County of Dane Group Short Term Disability Insurance Policy 163054-B: Group Short Term Disability Insurance Policy issued by Standard Insurance Company to the County of Dane, effective May 1, 2017. The document outlines coverage features, including a 65% benefit of predisability earnings (max $1,000), a 42-day benefit waiting period, and a maximum benefit period of 46 weeks. It specifies premium rates for the County of Dane and the Capital Area Regional Planning Commission, as well as eligibility requirements and policy definitions.
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PDF, Low priorityspecifications
LowAI Summary for County of Dane Voluntary Long Term Disability Coverage Highlights: A benefit summary document from Standard Insurance Company detailing the Voluntary Long Term Disability (LTD) coverage for employees of the County of Dane. It outlines eligibility requirements, benefit calculation formulas, maximum monthly benefits ($4,000), waiting periods, and definitions of disability.
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PDF, Low priorityspecifications
LowAI Summary for County of Dane Voluntary LTD Coverage Highlights: A summary of Voluntary Long Term Disability (LTD) insurance coverage highlights for employees of the County of Dane, provided by Standard Insurance Company. The document details eligibility requirements, benefit percentages, waiting periods, definitions of disability, benefit calculations, and exclusions.
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XLSX, Low priority180 pages · census
LowAI Summary for Dane County Census STD/LTD Coverage: Employee census data for Dane County dated 9.16.26, containing personnel details including job titles, wage rates, and Short-Term Disability/Long-Term Disability (STD/LTD) coverage levels.
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XLSX, Low priority3 pages · other
LowAI Summary for Disability Census Data - Dane County Contract: Disability census data spreadsheet for the Capital Area Regional Planning Commission under Dane County Contract Billing Division 0002, as of 09/03/2026. Includes employee enrollment details for short-term/long-term and long-term only disability coverage, with IDs, birth dates, hire dates, job titles, FTE, wage rates, ZIP codes, gender, and premium payment code enrollment status.
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PDF, Low priorityother
LowAI Summary for LTD A Notice 3 - Nick Brower: An insurance notice from Standard Insurance Company to Nick Brower regarding Group Policy 163054-A issued to the County of Dane, stating that insurance coverage becomes effective June 1, 2021, without requiring Evidence Of Insurability.
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XLSX, Low priority2 pages · invoice
LowAI Summary for September 2026 Group Insurance Premium Invoice: Group Insurance Premium Invoice for September 2026, due September 30, 2026, under Policy 00 163054 0001. The document details premiums for Short Term Disability and Long Term Disability for 2,156 lives, totaling a net premium due of $92,507.26.
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PDF, Low prioritycontract-document
LowAI Summary for Standard Insurance Company - Group Long Term Disability Certificate (County of Dane): A Group Long Term Disability Insurance Certificate issued by Standard Insurance Company to the County of Dane, effective May 1, 2017. The document outlines coverage features, eligibility requirements for members of the Capital Area Regional Planning Commission, benefit formulas, and the schedule of insurance, including waiting periods and maximum benefit durations based on age.
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PDF, Low prioritycontract-document
LowAI Summary for Standard Insurance Company - Group Long Term Disability Certificate (County of Dane/CARPC): A Group Long Term Disability Insurance Certificate issued by Standard Insurance Company to the County of Dane, effective May 1, 2017. The document outlines coverage features, eligibility requirements, benefit formulas, and disability definitions for members of the Capital Area Regional Planning Commission.
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PDF, Low priorityinsurance-certificate
LowAI Summary for Standard Insurance Company - Group Short Term Disability Certificate (County of Dane): A Group Short Term Disability Insurance Certificate issued by Standard Insurance Company to the County of Dane, effective May 1, 2017. The document outlines coverage features, eligibility waiting periods, benefit amounts (65% of pre-disability earnings), and waiting periods for disability claims. It includes a revised date of 8/12/2025.
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PDF, Low prioritycontract-document
LowAI Summary for Standard Insurance Company Performance Guarantee - County of Dane: A performance guarantee document from Standard Insurance Company for the County of Dane (Group Policy 163054-A), effective May 1, 2017. It outlines a 5% quarterly expense refund if service expectations for claims management, billing, and administration are not met.
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PDF, Low prioritycontract-document
LowAI Summary for Standard Insurance Company Performance Guarantee - County of Dane: A performance guarantee document from Standard Insurance Company for the County of Dane (Group Policy 163054-B), effective May 1, 2017. It outlines a 5% quarterly expense refund if service expectations for claims management, billing, and administration are not met.
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PDF, Low prioritycontract-document
LowAI Summary for The Standard STD FICA & W2 Tax Reporting Service Agreement: A service agreement between The Standard Insurance Company and a policyholder for Group Policy No. 163054. The document specifies that The Standard will be responsible for Employer FICA/Medicare Tax remittance and W2 tax reporting services in exchange for an increased premium rate. The agreement became effective on May 11, 2017, and was signed by a Human Resources Analyst on March 21, 2017.
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PDF, Low priorityother
LowAI Summary for Voluntary STD Coverage Highlights – County of Dane: Coverage highlights for Standard Insurance Company voluntary short term disability insurance for County of Dane. The document describes eligibility, premium/taxability factors, benefit amount and duration, waiting period, definition of disability, deductible income, rehabilitation and accommodation features, exclusions, limitations, and when benefits end. It appears to be a benefits summary rather than a procurement solicitation or contract.
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Timeline
3 updates
PhaseSolicitation
Posted
Solicitation
Notice updated
The notice description changed.
Notice updated
The notice description changed.
Notice updated
Response deadline changed from Nov 6, 2026 to Nov 13, 2026. The notice description changed.
Response Deadline
Submission deadline
Response Deadline
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The purpose of this document is to provide interested parties with information to enable them to prepare and submit a proposal according to the specifications set forth within this document. The County intends to use the results of this process to award a contract or issue a purchase order for the product(s) and/or service(s) stated Purchase Description . The Dane County Purchasing Division is the sole point of contact for questions and issues that may arise during the RFP process. Addendum #1: Posted Attachment DD - 2022 Renewal Acceptance. Please use the See What Changed link to view all the changes made by this addendum. Addendum #2: Posted Attachment EE - 2022 Renewal Acceptance. Please use the See What Changed link to view all the changes made by this addendum. Addendum #3: Posted Attachments FF and GG in response to questions received. Please use the See What Changed link to view all the changes made by this addendum. Addendum #4: While working on questions for the RFP it was determined that Dane County was calculating STD premiums since policy inception based on earnings rather than covered benefit for the STD. This resulted in an overpayment on the STD plan vs expected. Standard is applying a premium credit to correct this difference retro back to 1/1/2025. As a result Columns H, I, J, and the totals in K were adjusted. Posted Attachment HH in response to this and it replaced Attachment G and a second version of this (Attachment FF). Attachments G and FF will remain posted but Attachment HH should be utilized instead. Due to the timing of this addendum, the submission deadline has been modified and is now one week later on Friday, November 13 at 2:00pm (CST). Please use the See What Changed link to view all the changes made by this addendum.
