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Resolution No. 23 - 120 - Resolution for the renewal of medical, dental and vision insurance for city employees
Sponsored by Interim City Manager RESOLUTION NO. 23-120 A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF OPA- LOCKA, FLORIDA, AUTHORIZING THE INTERIM CITY MANAGER TO ENTER INTO RENEWAL INSURANCE CONTRACTS WITH AVMED, INC. AND METLIFE FOR MEDICAL, DENTAL, AND VISION INSURANCE FOR CITY EMPLOYEES; PROVIDING FOR INCORPORATION OF RECITALS; PROVIDING FOR AN EFFECTIVE DATE WHEREAS, The Human Resources Department has worked diligently with the City of Opa-Locka's Agent of Record, World Insurance Associates, LLC, formerly known as Sapoznik Insurance, to assess the existing group insurance policies and proposed premium rates from two other carriers than the carriers providing these services in Fiscal Year 2023; and WHEREAS, the Human Resources Department has worked with the City of Opa- Locka's Agent of Record to assess the existing group insurance policies and proposed premium rated from other carriers (Policy Quote Presentations, attached hereto as Composite Exhibit "A"); and WHEREAS, Staff has analyzed the results of the competitive Bid Process for Insurance Carriers facilitated by the City of Opa-Locka's current Agent of Record. The Interim City Manager has been determined that it would be in the City's best interest to continue the current plans and renew the contract with the current carriers; and WHEREAS, the City desires to renew its current agreements with AvMed, Inc. and Metlife as policies for medical, dental, and vision insurance for City employees and their dependents; and WHEREAS, it is in the best interest of the City to renew agreements with AvMed and Metlife as the City's benefit providers. NOW, THEREFORE, BE IT DULY RESOLVED BY THE CITY COMMISSION OF THE CITY OF OPA- LOCKA, FLORIDA: SECTION 1. The recitals to the preamble herein are incorporated by reference. SECTION 2. The City Commission of the City of Opa-Locka, Florida hereby authorizes the City Manager to enter into Renewal Agreements, between the City of Opa- Locka, AvMed, Inc., and Metlife for medical, dental, and vision insurance coverage for City employees and dependents. SECTION 3. The Interim City Manager and other proper City Officials are hereby authorized to execute any required documents in order to carry out the intent of this Resolution. Resolution No. 23-120 SECTION 4. Sections of this Resolution may be renumbered or re -lettered and corrections of typographical errors which do not affect the intent may be authorized by the Interim City Manager or the Interim City Manager's designee following review by the City Attorney, without the need of a public hearing by filing a corrected copy of same with the City Clerk. SECTION 5. This Resolution shall take effect upon the adoption and is subject to the approval of the Governor or Governor's Designee. PASSED and ADOPTED this 29th day of August, 2023. John H. Tay 1 Jr., Mayor ATTEST: APPROVED AS TO FORM AND anna Flores, City Clerk LEGAL S , . FICIENCY: . adette Norris eeks, P.A. City Attorney Moved by: Vice Mayor Ervin Seconded by: Commissioner Kelley VOTE: 3-0 Commissioner Bass ABSENT Commissioner Kelley YES Commissioner Williams ABSENT Vice Mayor Ervin YES Mayor Taylor YES 2 City of Opa-locka Agenda Cover Memo Department Director: ) Department Director Signature: , 2A.AL/C City Manager: Darvin Williams CM Signature: Commission Meeting Date: 8.29.2023 Item Type: (EnterXin box) Resolution rdinance Other X Fiscal Impact: (EnterXin box) Yes No Ordinance Reading: (EnterXin box) 1st Reading 2nd Reading X X Public Hearing: (Enter X in box) Yes No Yes No X Funding Source: Account# : (Enter Fund & Dept) See Financial Impact Section Advertising Requirement: (EnterXin box) Yes No X Contract/P.O. Required: (EnterXin box) Yes No RFP/RFQ/Bi#: X Strategic Plan Related (Enter X in box) Yes No Strategic Plan Priority Area: Enhance Organizational Bus. & Economic Dev Public Safety Quality of Education Qual. of Life & City Image Communication • M IM IM MI M Strategic Plan Obj./Strategy: (list the specific objective/strategy this item will address) X Sponsor Name City Manager Department: Human Resources City Manager Short Title: A resolution of the City of Opa-locka, Florida authorizing the Interim City Manager to select AvMed Health Plan as the provider for the City's Health Plan, Metlife as the provider for the City's Dental and Vision group plans, for the fiscal year beginning October 1, 2023 and expiring September 30, 2024. Staff Summary: The Human Resources Department has worked diligently with the City's Agent of Record, World Insurance Associates, LLC, formerly known as Sapoznik Insurance, to assess the existing group insurance policies and proposed premium rates from two other carriers than the carriers providing these services in FY 23. Staff has analyzed the results of the competitive Bid Process for Insurance Carriers facilitated by the City's current Agent of Record. It has been determined that it would be in the City's best interest to continue the current plans and renew the contract with the current carriers. The attachments identify additional quotes and plans received and letters from carriers that declined to provide quotes. financial Impact: The City's FY 24 Proposed Budget assumed that all budgeted positions would be filled by October 1, 2023, the start of the new fiscal year. A 6% increase in health plan costs was assumed, resulting in a total budget $1,439,071. Under the proposed plans, the health plan cost is a 5% increase. Assuming all positions are filled by the start of FY 24, this would result in a total cost.of $1,426,131, a $12,940 reduction. As the year progresses, this amount will be reduced further by position vacancies and further adjusted by employees selecting different health plans than were assumed in the budget. Proposed Action: Staff recommends the City Commission authorize the Interim City Manager to select AvMed Health Plan as the provider for the City's Health Plan, and Metlife as the provider for the City's Dental and Vision group plans, for FY 24 and to enter into agreements with these companies to provide these services. Attachment: 1. Plan Design and Insurance Bid Results BETTER, NOT JUST BIGGER. CITY OF OPA LOCKA FLORIDA Presented By: Eugene Mintze Benefit Consultant P: (305) 948-8887 x905 eugenemintze@worldinsurance.com EB.WORLDINSURANCE .C OM EXECUTIVE SUMMARY Employee Benefits: eb. wo rldinsurance. co m Other Products & Services: worldinsurance.com City Of Opa-L ocka Executive Summary Medical Carrier Opti ons M onthly Cost Chang e Fr om C urre nt AvM ed Current $97,254.26 --- AvMed Renewal $103,121.24 $5,866.98 (6 .03%) AvMed Neg otiated (Final) (Recommended) $102,134.08 $4,879 .82 (5 .02%) Av Me d Alternate $100,816 .41 $3,562.15 (3 .66%) AvM ed Negotiated Alternate $99,850.79 $2,596 .53 (2.67%) NHP/UHC Options #1 $126,660 .11 $29,405.85 (30 .24%) Ae tna Noncompetitive 40%+ FloridaBlue Noncompetitive 45%+ Cigna Noncompetitive 50%+ G AP Carrier Opti ons Monthly C ost Change Fr om Curr ent APL Current $3,905.45 --- APL Renewal (Final) $3,905 .45 $0.00 (0 .00%) D ental Carrier Opti ons M onthly C ost Cha ng e From C urrent MetLife Current $5,341.34 --- M etLife Renewal (Final) $5,119 .95 -$221 .39 (-4 .14%) Visi on Carrier Opti ons Monthly Cost Change Fr om Current M etLife Current $1,047 .35 --- M etLife Re newal (Final) $1,047.35 $0.00 (0.00%) Life & AD&D Carrier Options Monthly C ost Change Fr om Curr ent Lincoln Current $2,881.34 --- Lincoln Renewal $3,149.00 $267.67 (9 .29%) Lincoln Negotiated (Finale) $3,015.17 $133 .83 (4.64%) Sho rt Term Disability Carrier Options Monthly Cost Ch ang e Fr om Current Linco ln Current $1,492 .97 --- Lincoln Renewal $1,642 .68 $149.70 (10 .03%) Linco ln Negotiated (Finale) $1,565.80 $72 .83 (4.88%) Long Term Disability Carrier Optio ns Monthly Cost Change From Current Lincoln Current $1,410.87 --- Lincoln Renewal $1,642.68 $231.81 (16 .43%) Lincoln Negotiated (Finale) $1,481 .41 $70.54 (5 .00%) Vo luntary Life & AD&D Carrie r Options Monthly Cost Change Fr om Current Lincoln Current $989.78 --- Lincoln Renewal (Final) $989.78 $0.00 (0 .00%) Quo tes are based on the census rece ived. Rates could be adjusted based on final enrollme nt. This data is provided for information purposes only. It is not intended to represent a binding obligatio n. The gov erning document for this pu rpose would be the COC issued by the carrier . Please see detailed benefit summary . In formation provided is proprietary. It may not be copied, emulate d or distributed without express permission City Of Opa-Locka Executive Summary Current Total Monthly Cost Carrier AvM ed APL MetLife MetLife Lincoln Lincoln Lincoln Lincoln Options Medical GAP Dental Vision Life & AD&D STD LTD Voluntary Life & AD&D Monthly C ost $97,254.26 $3,905 .45 $5,341.34 $1,047 .35 $2,881 .34 $1,492.97 $1,410.87 $989 .78 Change From Current Tot al $114,323.36 Carrier AvM ed APL MetLife M etLife Linco ln Lincoln Lincoln Lincoln Options Medical GAP Dental Vision Life & AD&D STD LTD Voluntary Life & AD&D Monthly Cost $102,134 .08 $3,905 .45 $5,119 .95 $1,047.35 $3,015 .17 $1,565.80 $1,481.41 $989 .78 Total Chang e From C urrent $4,879 .82 (5.02%) $0.00 (0.00%) -$221.39 (-4.14%) $0 .00 (0.00%) $133 .83 (4.64%) $72 .83 (4.88%) $70 .54 (5.00%) $0.00 (0.00%) Reco mmen ded Total Monthly Carrie r AvMed APL MetLife M etLife Lincoln Lincoln Lincoln Lincoln Option s Medical GAP Dental Vision Life & AD&D STD LTD Voluntary Life & AD&D Monthly Cost $102,134 .08 $3,905 .45 $5,119.95 $1,047.35 $3,015.17 $1,565.80 $1,481.41 $989.78 Change From Current $4,879.82 (5.02%) $0 .00 (0.00%) -$221.39 (-4.14%) $0.00 (0.00%) $133 .83 (4.64%) $72.83 (4.88%) $70 .54 (5.00%) $0 .00 (0 .00%) Total $119,258.99 $4,935 .63 (4.32%) Quotes are based on the census received. Rates could be adjusted based on final enrollment. This data is provided for information purposes only. It is not intended to represent a binding obligatio n. The gov ern ing document fo r this purpose would be the COC issued by the carrier . Please see detailed benefit summary . Information provided is proprietary. It may not be co pied, emulated or distributed without e xpress permission bVt. RLD Total Eligible Employees: 157 Employer Be nefits Waiv in g Cov erage City Of Opa-Locka Employ ee Participati on 131 26 0 16.56% 83 .44% 0 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 MEDICAL CLAIMS Employe e Bene fits: eb.wo rldin su rance .co m Other Pro ducts & Serv ice s: wo rldinsurance. com Key Measures Report City of Opa Locka Paid Dates: 07/2022 through 06/2023 AvMed Total Total M onth Contracts M embers Premi um Capitatio n Inp atient Pr ofessi onal Outpati ent Other Pharmacy Medical* Expenses* * 07/2022 08/2022 09/2022 10/2022 11/2022 12/2022 01/2023 02/2023 03/2023 04/2023 05/2023 06/2023 102 104 106 122 124 122 121 122 121 128 124 125 173 174 174 190 191 188 183 185 185 195 190 191 $64,781 .68 $65,028.16 $64,902.96 $85,751.27 $89,148.09 $88,046. 07 $81,623. 24 $81,992. 12 $80,805. 61 $92,496. 61 $92,524. 35 $93,122.76 $5,559 .16 $5,559 .16 $5,559.16 $5,467.52 $5,436 .98 $5,345 .34 $6,576 .53 $6,648.41 $6,648.41 $7,007.78 $6,828.09 $6,864.03 $851.35 $17,476.67 $613.86 $15,906.19 $67,509 .23 $0 .00 $1,358 .60 $0 .00 $9,329.25 $0.00 $0.00 $258,993.14 *Total M edical is the sum of Hospital, Outpatient, ER, Specialist, PCP, and Other **Total Expenses is the sum of Capitation, Pharmacy and Total Medical. ***Subsequent reports ma y sho w variations in some of the data values represente d in the Key M ea sures. Variations from mo nth to month are due to claim adjustments. Prepare d by: Group Ana lytics Source: AvMed Enterprise Data Wareho use Thursday, July 20, 2023 $12,506 .67 $11,223.72 $13,565.38 $17,156.80 $15,038 .61 $17,207.86 $22,200 .00 $9,418.29 $20,165.97 $9,434 .12 $21,744.59 $13,199.27 $6,727 .41 $32,606.09 $3,880 .12 $42,469.78 $39,062.66 $21,071.95 $39,012.85 $15,715 .63 $13,999.26 $12,575 .91 $43,126.59 $28,473.90 $0 .00 $0 .00 $0.00 $0.00 $0.00 $0.00 $0 .00 $0.00 $0 .00 $0.00 $0 .00 $0.00 $24,260 .15 $33,586.29 $29,915.46 $8,523 .05 $29,434.94 $39,295 .07 $26,227 .52 $29,085 .58 $25,866.83 $27,662 .46 $38,314.81 $17,958 .51 $20,085.43 $61,306 .48 $18,059 .36 $75,532.77 $121,610 .50 $38,279.81 $62,571 .45 $25,133.92 $43,494.48 $22,010 .03 $64,871 .18 $300,666 .31 $49,904.74 $100,451 .93 $53,533 .98 $89,523.34 $156,482 .42 $82,920.22 $95,375.50 $60,867 .91 $76,009.72 $56,680.27 $110,014.08 $325,488.85 Repo rt is based on paid claims and is n ot va lid fo r premium rate de velopment . C osts associated with care, disease and utilization ma nagement are not included. Premium do lla rs inc lu de bro ker c ommiss ions. Capitation dollars are estimated as provider c ontracts change through out the year. Capitation does no t inclu de costs for claims rela te d to transplant services th at are subject to the deductible. F or exp erience -rated acco unts, the gro up's claims ex perience from the mo st recently completed plan y ear is us ed as input into th e r enew al rate de velopment . While each grou p's mos t recen t performance Is taken Into consideration, actual claims experience from this period may not be incorporated. Page 1 of 1 High C ost Claimants Rep ort City of Opa Locka Members with >$50,000 in T otal Paid Claims Paid Dates: 07/2022 thr ough 06/2023 AvMed Rank M ost Costly Medical ICD-9 Diagn osis Pharmacy Medical Total E xpenses Member Status 1 DISPL TRIMALLEOLAR FX LT LOW LEG INIT CLOS F $0.00 $260,908 .80 2 CHRONIC M YELOID LEUKE MIA BCR/ABL-POS IN RE $139,883.10 ($84.49) 3 NON -ST ELEVA TION MYOCARDIAL INFARCTI ON $53.49 $71,851 .15 `Above data excludes capitation costs Prepared by: Group Analytics Source: AvMe d Enterprise Data Warehouse Thursday, July 20, 2023 $260,908 .80 $139,798 .61 $71,904.64 Active Active Active This repo rt is ba se d on paid claims and is intended to provide clients with information regarding the total amount of paid claims for their high cost claimants at a specific p oint in time . For exp erience -rated groups, the actual amount po oled as part of their renewal r ate development may vary in both the time frame and the data incorporated. Page 1 of 1 MEDICAL Employee Bene fits: eb.wo rldin suran ce. co m Other Products & Se rvices: worldinsurance.com City Of Opa-Locka Effective Date: 10/1/2023 Plan Nickname Carrier Plan Name Plan Type Funding Type Network Referrals Required In Ne twork Deductible: Single Deductible : Family Co -Insurance Out -of -Pocket Limit: Single Out -of -Pocket Limit: Family Inpatient Facility Outpatie nt Surgery Copays PCP Specialist Urgent Care ER Other Services Diagnostic Lab / X -Ray MRI & CT Scan Prescription Drugs Family Prescription Deductible Rx Tiers Out of Network Deductible: Single Deductible: Family Co -Insurance Out -of -Pocket Limit: Single Out -of -Pocket Limit: Family Inpatient Facility Outpatient Surgery En rollment Current 1 A vMed HM O OA 7709/6218 HMO F ully Insur ed No $3,500 $7,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/$25 $200 Lab: $0 / X -Ray: Indp: $100, All Other: $200 Indp: $100, All Other: $200 $20/30/50/100/50% 2 AvMed Choi ce 7809/7479 PPO F ully In sured No $2,500 $5,000 90% $6,500 $13,000 Ded + 90% Ded + 90% $25 $50 $75/$25 $350 Lab: $0 / X -Ray: lndp: $50, All Other: $100 Indp: $200, All Other: $400 + Ded *$500/$1000 $10/25/50/100; *30% After Ded $7,500 $15,000 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 8 2 0 3 Employee Only Employee + Spouse Employee + Child(ren) Family Mon thly Premiums Employee Only Employee + Spouse Employee + Child(ren) Family Monthly Premium Per Plan Change Fro m Current Mo nthly Pre mium Pe r Option Change Fro m Current 87 10 17 4 $551.01 $1,102.03 $1,046. 70 $1,708.14 $641.77 $1,283. 53 $1,219. 10 $1,989.47 $83,584.63 $13,669. 63 $97,254. 26 Renewal 1 AvMed HMO OA 7709/6218 HMO F ully Insured No $3,500 $7,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/$25 $200 Lab: $0 / X -Ray: Indp: $100, All Other: $200 I ndp: $100, All Other: $200 $20/30/50/100/50% 2 AvMed Choic e 7809/7479 PPO Fully I nsur ed No $2,500 $5,000 90% $6,500 $13,000 D ed + 90% Ded + 90% $25 $50 $75/$25 $350 Lab: $0 / X -Ray: Indp: $50, All Other: $100 Indp: $200, All Other: $400 + D ed *$500/$1000 $10/25/50/100; *30% After Ded $7,500 $15,000 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 87 10 17 4 8 2 0 3 $584.25 $1,168.51 $1,109.85 $1,811.19 $680.48 $1,360.95 $1,292.63 $2,109.48 $88,627.06 $14,494.18 $5,042. 43 (6.03%) $824. 55 (6.03%) $103,121.24 $5,866. 98 (6. 03%) Negotiated 1 AvMed HMO OA 7709/6218 HMO Fully Insur ed No $3,500 $7,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/$25 $200 Lab: $0 / X -Ray: Indp: $100, All Other: $200 Indp: $100, All Other: $200 $20/30/50/100/50% 2 Av Med Ch oi ce 7809/7479 PP O F ully I nsur ed No $2,500 $5,000 90% $6,500 $13,000 Ded + 90% Ded + 90% $25 $50 $75/$25 $350 Lab: $0 / X -Ray: Indp: $50, All Other: $100 Indp: $200, All Other: $400 + Ded *$500/$1000 $10/25/50/100; *30% After Ded $7,500 $15,000 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 87 10 17 4 8 2 0 3 $578.66 $1,157 .32 $1,099.22 $1,793 .84 $673.96 $1,347 .92 $1,280 .26 $2,089 .28 $87,778 .72 $14 355 .36 $4,194 .09 (5.02%) $685.73 (5 .02%) $102,134 .08 $4,879 .82 (5 .02%) Quotes are based on the census re ceived. Rates could be adjusted based on fin al e nrollment. This data is provided for information purpo ses o nly. It is not intended to represent a binding o bligation. The governing document for this purpose would be the COC issued by the carrier. Pl eas e see detailed benefit summary . Information prov ide d is proprietary. It may not be co pied, emulated or distributed without e xpress permission City Of Opa-Locka Effective Date: 10/1/2023 Plan Nickname Carrier Plan Name Plan Type Funding Type Network Referrals Required In Ne two rk Deductible: Single Deductible: Family Co -Insurance Out -of -Pocket Limit: Single Out -of -Pocket Limit: Family Inpatient Facility Outpatient Surgery Copays PCP Specialist Urgent Care ER Othe r Services Diagnostic Lab / X -Ray M RI 8 CT Scan Pre scriptio n Drugs Family Prescription Deductible Rx Tiers Out of Ne twork Deductible: Single Deductible: Family Co -Insurance Out -of -Pocket Limit: Single Out -of -Pocket Limit: Family Inpatient Facility Outpatient Surgery Enrollmen t Current 1 AvMed HMO OA 7709/6218 HM O Fully Ins ured No $3,500 $7,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/$25 $200 Lab: $0 / X -Ray: Indp: $100, All Other: $200 Indp: $100, All Other: $200 $20/30/50/100/50% 2 AvM ed Choic e 7809/7479 PPO Fully I ns ured $2,500 $5,000 90% $6,500 $13,000 D ed + 90% Ded + 90% $25 $50 075/$25 $350 Lab: $0 / X -Ray: Indp: $50, All Other: $100 Indp: $200, All Other: $400 + Ded * $500/$1000 $10/25/50/100; * 30% After Ded $7,500 $15,000 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 Employee Only Employee + Spouse Employee + Child(ren) Family Monthly Premiums Employee Only Employee + Spouse Employee + Child(ren) Family Monthly Premium Pe r Plan 87 10 17 4 2 0 3 $551. 01 $1,102.03 $1,046.70 $1,708.14 $641.77 $1,283. 53 $1,219.10 $1,989.47 S83,584.63 S13,669. 63 Change From Current Mo nthly Premium Per O ptio n Change From Curre nt $97,254. 26 Negotiated 1 AvMed HMO OA 7709/6218 HMO Fully Ins ured No $3,500 $7,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/$25 $200 Lab: $0 / X -Ray: Indp: $100, All Other: $200 Indp: $100, All Other: $200 $20/30/50/100/50% - 2 AvMed Choice 7809/7479 PP O F ully Insur ed $2,500 $5,000 90% $6,500 $13,000 Ded + 90% Ded + 90% $25 $50 075/$25 $350 Lab: $0 / X -Ray: lndp: $50, All Other: $100 Indp: $200, All Other: $400 + Ded *$500/$1000 $10/25/50/100; *30% After Ded $7,500 $15,000 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 87 10 17 4 $578. 66 $1,157. 32 $1,099. 22 $1,793. 84 2 0 3 $673 .96 $1,347.92 $1,280.26 $2,089.28 S87,778.72 $14 355. 36 54,194. 09 (5. 02%) $685.73 (5. 02% ) $102,134. 08 $4,879. 82 (5. 02%) Negotiated Alternate 1 AvMed Achiev e L H456-LG23 + MP- 6218- 0119 (7899) HMO F ully I nsured No $4,500 $9,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/825 $200 Lab: $0 / X -Ray: Indp: $100, All Other: $200 Indp: $100, All Other: $200 $20/30/50/100/50% 2 AvMed Choice CM380-LG23 + MP - 7479 -0720 (7958) PP O F ully I nsured No $3,500 $7,000 100% $7,500 $15,000 $1,000 + Ded Indp - $1,000, Hosp - $1,000 + Ded $35 $70 $75/$35 $600 Lab: $0 / X -Ray: lndp: $50, Hosp: $150 + Ded Indp: $450, Hosp: $600 + D ed *$500/$1000 $10/$25/$50/$100; *30% After Ded $10,500 $21,000 60% $22,500 $45,000 D ed + 60% Ded + 60% 118 13 87 10 17 4 8 2 0 3 $566.44 $1,132 .88 $1,076.01 $1,755.96 $653 .79 $1,307.58 $1,241 .94 $2,026.74 $85,925.09 $13,925.70 $2,340.46 (2 .80%) $256 .07 (1.87%) $99,850 .79 $2,596.53 (2 .67%) Quotes are based on the census re ceived. Rates could be adjusted based on final enrollment. This data is provided for information purposes only. It is not intended to represent a bin din g o brgatio n. The governing do cument for this purpose would be the COC issued by the carrier. Pl ease see detailed b enefit summary . Info rmation provided is proprietary. It may not be co pied, emula ted or distributed witho ut express permission City Of Opa-Locka Effective Date: 10/1/2023 Plan Nickn ame Carrier Plan Name Plan Type Funding Type Network Referrals Required In Network Deductible: Single Deductible: Family Co -Insurance Out -of -Pocket Limit: Single Out -of -Pocket Limit: Family Inpatient Facility Outpatient Surgery Copays PCP Specialist Urgent Care ER Othe r Se rvices Diagnostic Lab / X -Ray M RI & CT Scan Pre sc riptio n Drugs Family Prescription Deductible Rx Tiers Ou t of Netwo rk Deductible: Single Deductible: Family Co -Insurance Out -of -Pocket Limit: Single Out -of -Pocket Limit: Family Inpatient Facility Outpatient Surgery Enro llmen t C urrent 1 A vM ed HMO OA 7709/6218 HMO Fully I nsured No $3,500 $7,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/$25 $200 Lab: $0 / X -Ray: lndp: $100, All Other: $200 Indp: $100, All Other: $200 $20/30/50/100/50% AvMed Choice 7809/7479 PPO F ully I nsur ed $2,500 $5,000 90% $6,500 $13,000 Ded + 90% Ded + 90% $25 $50 $75/$25 $350 Lab: $0 / X -Ray: lndp: $50, All Other: $100 Indp: $200, All Other: $400 + Ded *$5001$1000 $10/25/50/100; *30% After Ded $7,500 $15,000 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 Employee Only Employee + Spouse Emplo yee + Child(re n) Family Monthly Premiums Employee Only Employee + Spouse Employee + Child(ren) Family Mon thly Pre miu m Pe r Plan Change From Current Monthly Premiu m Pe r Option C han ge From C urren t 87 10 17 4 8 2 0 3 $551.01 $1,102.03 $1,046.70 $1,708.14 $641.77 $1,283. 53 $1,219.10 $1,989. 47 $83,584. 63 $13,669. 63 $97,254. 26 Negotiated AvM ed HMO OA 7709/6218 HMO F ully I nsured No $3,500 $7,000 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40/$25 $200 Lab: $0 / X -Ray: Indp: $100, All Other: $200 Indp: $100, All Other: $200 $20/30/50/100/50% 2 AvM ed Ch oi ce 7809/7479 PPO Fully Insur ed No $2,500 $5,000 90% $6,500 $13,000 Ded + 90% Ded + 90% $25 $50 $75/$25 $350 Lab: $0 / X -Ray: lndp: $50, All Other: $100 Indp: $200, All Other: $400 + Ded *$500/$1000 $10/25/50/100; *30% After Ded $7,500 $15,000 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 87 10 17 4 8 2 0 3 $578.66 $1,157. 32 $1,099.22 $1,793. 84 $673.96 $1,347.92 $1,280.26 $2,089.28 $87,778. 72 $14,355.36 $4,194. 09 (5. 02%) $685.73 (5. 02%) $102 134.08 $4,879. 82 (5. 02%) NHP/UHC 1 United Health car e DB30-M ( NHP HMO 2023 (Op en Ac cess)) HMO Fully Insur ed Ch oic e NHP HMO No $3,500 $7,000 (Emb) 80% $6,350 $12,700 Ded + 80% Ded + 80% $25 $50 $40 $200 Lab: $100 / X -Ray: $100 $100 (Non-DDP $750) $10/60/100; (Adv PDL) Natl 2 U nitedHealthcare BWNZ-M (UHC INS 2023) POS Fully In sur ed Choice+ Legacy Insuran ce * No $2,500 $5,000 (Emb) 90% $6,500 $13,000 Ded + 90% Ded + 90% $25 $50 $75 $350 Lab: $50 (Non-DDP 50%) / X - Ray: $50 $200 (Non-DDP $750) $10/35/70; (Adv PDL) Natl $7,500 $15,000 (Emb) 60% $19,500 $39,000 Ded + 60% Ded + 60% 118 13 87 10 17 4 8 2 0 3 Florida Only $714 .46 $1,428 .93 $1,357.20 $2,214 .84 $858.26 $1,716.53 $1,630 .36 $2,660.63 $18,281.03 $108,379 .08 $24,794 .45 (29.66%) $4,611 .40 (33.73%) S126,660.11 $29,405 .85 (30 .24%) Quotes are based on the census received. Rates could be adjusted based on final enrollment. This data is prov ide d for informatio n purposes only. It is n ot intended to represent a binding obligation. The gove rning document for this purpose would be the COC issued by the carrier. Please see detailed ben efit summary. Information provided is proprietary. It ma y not be copie d, emulate d or distribute d without express permission DECLINING / NONC OMPETITIVE Aetna -No ncompetitive 40% + FloridaBlue-Noncompetitive 45%+ Cigna -Nonco mpetitive 50%+ Emplo yee Be ne fits: eb. worldinsurance. co m Other Products & Serv ices: worldinsurance.com 151 Farmington Avenue,F265, Hartford,CT 06165 Confirmation of Request for Group Health Coverage aetna® Aetna has recently completed a review of CITY OF OPA LOCKA's request for a quote of group health coverage (the "Request"). We have determined that we are not currently positioned to provide a competitive proposal. However, as an entity that offers health coverage and consistent with direction provided under Section 2702 of the Patient Protection and Affordable Care Act, we will provide a response to your Request and proceed with an insured quote should CITY OF OPA LOCKA continue to be interested in this information. If it is still CITY OF OPA LOCKA's position to have us provide a quote for group health coverage, please a) Furnish the information indicated below that has not already been provided (where available), and b) Sign and return this notification to us as indicated below. In order for us to provide you the quote, a signed request along with all requested data items is required no later than 30 days prior to the requested quote effective date. REQUIRED DATA: • Please provide a detailed summary of the plan design(s) requested. • Please provide the contribution strategy for the current and proposed plans. • Please provide the following historical information: Monthly claims and corresponding enrollment counts for a recent 12 months minimum, up to a 24 -month period. • Please identify the basis for the claim information (i.e., paid vs. incurred and if incurred whether a completion factor has been applied). Provide the information broken down for each unique plan offering. • Please identify if any of the plans are capitated. If so, indicate whether capitations are included/excluded from the claim information. • Large claim information for individual claims in excess of $25,000 based on the same time period as the claims data provided. • For Hospital or Health Systems only: Claims need to be split by domestic and non -domestic. Also please provide home/host/domestic payment arrangement (i.e. discount off billed charges, fee schedules, etc.) • Individual Medical Questionnaires (IMQ) ) (Where allowed by state) — will be required if/when monthly claim data is not available Plan designs: A description of the plans which were in place during the experience period along with a description of any plan changes that occurred during this period and the date the change went into effect • Current and/or Renewal Rates • Please provide a complete census file including the following for all eligible employees: Age/DOB, Gender, Dependent Tier Status, COBRA Participant indicator, Waiver indicator, Retiree indicator, Home Zip Code, and Current Medical Plan Election. Additional Requested Data: • Current Medical Management programs in place • 5 -year carrier history • Large Claim Data: including diagnosis and claimant status information. Identify if amounts in excess of any pooling threshold have been included/excluded from the claim experience provided. • Current commission level • A recent utilization report from the current carrier. This should include historical achieved discount and trend information as well as utilization information relative to the use of inpatient hospital, outpatient hospital, and physician/other services. The report should also identify the top utilized facilities • Please provide information/reason on any required data noted as not available CITY OF OPA LOCKA Certification: I understand Aetna position on its product offerings' alignment with our request, but CITY OF OPA LOCKA requests a quote from Aetna as allowed under Section 2702 of the Patient Protection and Affordable Care Act. Signature Title Date Please send this form back c/o Mercedes Del Castillo via email mmdelcastill@aetna.com Health insurance plans are offered, underwritten or administered by Aetna Life Insurance Company and its affiliates (Aetna). Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it Signature Title Date is subject to change. For more information about Aetna plans, refer to www.aema.com. flosida Blue July 28th, 2023 Florida Blue 4800 Deerwood Campus Parkway Jacksonville, FL 32246 Re: RFP for City of Opa Locka To Whom It May Concern, Please allow this letter to serve as confirmation that Florida Blue's rates are not competitive. If you have any questions or concerns, please do not hesitate to contact me. Thank you, Adelisa Jimeno 1 Mid -Market Account Executive - Sales (w) 954-714-3611 1 y=•1 (c) 954-290-8280 1 C Adelisa.Jimeno@floridablue.com From: Awilda Cutone To: Jackie Moskos; Linda Jamen Cc: Rick.Villena(aCignaHealthcare.com Subject: [EXTERNAL] Response To Your Inquiry - City of Opa-Locka Date: Tuesday, July 25, 2023 10:13:17 AM EXTERNAL: Proceed with Caution Think before clicking. Ricardo Villena NBM Sunrise, FL 33323 July 25, 2023 Eugene Mintze Sapoznik, a World Company 1100 NE 163RD St FL 2 North Miami Beach, FL33162-4525 RE: City of Opa-Locka Dear Eugene Mintze, Thank you for considering Cigna HealthCare for City of Opa-Locka. Based upon our evaluation of the information provided with your request for proposal, we do not believe that we can offer a competitive proposal for health insurance coverage. Therefore, we respectfully decline to offer a quote for group health insurance coverage at this time. The rules under the Affordable Care Act require issuers to offer all products approved for sale in the market. Accordingly, we will provide a proposal if you indicate in writing that you are still interested in receiving one, notwithstanding the fact that we do not believe that we can provide a competitive quote for health insurance coverage. In such case, we may request additional information from you in order to provide a quote for insurance coverage. We appreciate being given the opportunity to review your request for a proposal and we look forward to working with you on future prospects. Please do not hesitate to contact me if you have any questions. Sincerely, Ricardo Villena NBM (954) 514-6895 Attention California Agents/Brokers: A copy of this letter must immediately be forwarded to the client in order to comply with California law, SB 1163 (2010). GAP Employee Benefits: e b.worldinsuran ce.co m Other Products & Services: worldinsurance. com Cit Of O • a-Locka Effe ctive Date : 10/1/2023 Plan Nickname Carrier Plan Name Contributio n Mo nthly Pre miums Employee Employee/Spouse Employee/Child(ren) Employee/Family Mon thly Premiu m Per Plan Change From Curren t 70 49 4 11 6 C urrent 1 TransAmerica Inpatient: Up to $3000 Outpatient: Up to $1000 $300 ER Deductible Vol untar $41.25 $93 .53 $70.38 $122 .65 $3,905.45 Renewal 1 TransAmerica Inpatient: Up to $3000 Outpatient: Up to $1000 $300 ER Dedu ctible Voluntary Rate Pass $41.25 $93 .53 $70.38 $122.65 $3,905 .45 $0.00 (0 .00%) Quotes are based on the census received. Rates could be adjusted based on final enr ollment. This data is provided for information purposes only. It is not intended to represent a binding obligation. The governing document for this purpose would be the COC issued by the carrier . Please see detailed benefit summary. MEDlinle Select Supplemental Limited Benefit Group Medical Expense Insurance (51+ Eli ibles APL. City of Opa Locka AMERICAN PUBLIC LIFE Option 1 Summary of Benefits for Separate In -Hospital Benefit and Outpatient Benefit In -Hospital Benefit In -Hospital Benefit Maximum Maximum of $3,000 per covered person per calendar year. Maximum of $9,000 per calendar year for all covered persons combined. In -Hospital Benefit Benefits include in -hospital confinement, ambulance and in -hospital treatment for mental or emotional disorder (subject to a maximum of 30 days of mental or emotional disorder treatment per covered person per calendar year). All benefits are subject to the in -hospital benefit maximum. Outpatient Benefit Outpatient Benefit Maximum Maximum of $1,000 per covered person per calendar year for covered outpatient services. Maximum of $3,000 per calendar year for all covered persons combined. Outpatient Benefits Covered outpatient services include: ' �o pital emer en room • Physical therapy facility (susbject to emerge�icy room deductible) • Ambulance • Urgent care facility • Outpatient treatment for mental • Surgery in a hospital outpatient facility or or emotional disorder (subject to a freestanding outpatient surgery center maximum of 30 days of mental or • Diagnostic testing in a hospital outpatient emotional disorder treatment per facility or MRI facility covered person per calendar year.) All benefits are subject to the outpatient benefit maximum. Emergency Room Deductible $300 per covered person per occurrence APSB-22443(FL)-0418 51+ Page 1 of 4 MEDlink® Select Supplemental Limited Benefit Group Medical Expense Insurance (51+ Eli ibles Eligibles) APL City of Opa Locka AMERICAN PUBLIC LIFE Option 1 Premiums* Total Monthly Premiums* Ages Employee Employee & Spouse Employee & Child(ren) Employee & Family 18+ $41.25 $93.53 $70.38 $122.65 *Total premium includes the Plan selected and any applicable rider premium. The premium and amount of benefits vary dependent upon the Plan selected at time of application. APSB-22443(FL)-0418 51+ Page 2 of 4 MEDIink® Select Supplemental Limited Benefit Group Medical Expense Insurance In -Hospital Benefit The covered person must be covered by the other medical plan at the time any In -Hospital covered charges are incurred. The in -hospital benefit pays the out-of-pocket amount for inpatient covered charges incurred by a covered person for treatment while confined in a hospital as an inpatient. A hospital is not an institution, or part thereof, used as: a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. The ambulance benefit pays the out-of-pocket amount for air or ground transportation of a covered person by ambulance to a hospital or from one medical facility to another where a covered person is confined as an inpatient. A licensed ambulance company must provide the ambulance service. Outpatient Benefit Pays the out-of-pocket amount for outpatient covered charges. The covered person must be covered by the other medical plan at the time any covered charges are incurred. The emergency room per occurrence deductible is required to be met with each emergency room visit. This deductible is separate and in addition to the outpatient deductible. The emergency room deductible is not applied to the outpatient deductible even if the visit is for the same or related condition. The ambulance benefit pays the out-of-pocket amount for air or ground transportation of a covered person by ambulance to a hospital or from one medical facility to another where a covered person resides less than 18 hours. A Licensed ambulance company must provide the ambulance service. Exclusions No benefits will be payable for expenses incurred during any period the covered person does not have coverage under the other medical plan. If a claim is received after coverage under the other medical plan has terminated, APL's liability will be limited to a refund of any premium paid since coverage terminated. No benefits are payable for expenses incurred resulting from or caused by, whether directly or indirectly, by: war or any act of war, whether declared or undeclared, or any act related to war while serving in the military forces or any auxiliary unit thereto, (APL will refund the pro -rata portion of any premium paid for any such covered person upon receipt of your written request.); outpatient routine newborn care (except newborn circumcision); rest care or rehabilitative care and treatment (this does not include rehabilitation for treatment of physical disability); voluntary abortion except, with respect to you or your covered eligible dependent: where you or your eligible dependent's life would be endangered if the fetus were carried to term or where medical complications have arisen from abortion; participating in a riot, insurrection, rebellion, civil commotion, civil disobedience or unlawful assembly (This does not include a loss which occurs while acting in a lawful manner within the scope of authority.); committing, or attempting to commit, an illegal act that is defined as a felony (Felony is as defined by the law of the jurisdiction in which the act takes place.); participation in a contest of speed in power driven vehicles, parachuting or hang gliding; air travel, except: as a fare -paying passenger on a commercial airline on a regularly scheduled route or as a passenger for transportation only and not as a pilot or crew member; being intoxicated or under the influence of any narcotic unless administered on the advice of a physician (Intoxication means that which is determined and defined by the laws and jurisdiction of the geographical area in which the event that caused the loss occurred.); alcoholism or drug addiction; sex changes; experimental treatment, drugs or surgery (bone marrow transplants are not considered experimental); accident or sickness arising out of, and in the course of, any occupation for compensation, wage or profit for which benefits are paid by workers' compensation (This does not apply to those sole proprietors or partners not covered by workers' compensation.); dental or vision services, including treatment, surgery, extractions or x-rays, unless resulting from an accident occurring while the covered person's coverage is in force and if performed within 12 months of the date of such accident or due to congenital disease or anomaly of a covered newborn child; elective cosmetic surgery (except newborn circumcision); drugs (prescription and non-prescription for use outside of a covered facility as defined in this policy/certificate or any attached rider); sterilization and reversal of sterilization; an expense that does not meet the definition of inpatient covered charge or outpatient covered charges; an expense or service that exceeds any of the maximum benefits, as shown in the schedule of benefits in the policy/certificate; any expense for which benefits are not payable under the other medical plan ; or pregnancy of an eligible dependent child. Non -Duplication of Benefits Duplication of benefits is not allowed under the policy and/or any attached riders. If a covered charge is payable under more than one benefit, only one benefit, the largest, will be payable. Premium Changes The premium rates may be changed by APL at the first anniversary date of the policy or any premium due date thereafter. Optionally Renewable The policy is renewable at the option of APL. The policyholder or APL may terminate this policy on any premium due date after the first anniversary following the policy effective date, subject to 60 days notice. APSE-22443(FL)-0418 51+ Page 3 of 4 MEDIink® Select Supplemental Limited Benefit Group Medical Expense Insurance Termination of Certificate Insurance coverage under the certificate, including any attached riders, will end on the earliest of these dates: the date the policy terminates; the end of the grace period if the premium remains unpaid; the date you no longer qualify as an insured; the date your coverage under the other medical plan ends; or the date of your death. Termination of Coverage Insurance coverage under the certificate and/or any attached riders for a covered person will end as follows: the date the policy terminates; the date the certificate terminates; the end of the grace period if the premium remains unpaid; the date in which we receive a written request from you to terminate the covered person's coverage; the date a covered person no longer qualifies as an insured or eligible dependent; or the date of the covered person's death. APL may end the coverage of any covered person who submits a fraudulent claim. COBRA Continuation of Coverage This plan may be continued in accordance with the Consolidated Omnibus Reconciliation Act of 1986. APL. AMERICAN PUBLIC LIFE Expanding the Benefits Horizon° 2305 Lakeland Drivel Flowood, MS 39232 ampublic.com 1 800.256.8606 Underwritten by American Public Life Insurance Company. All Riders are subject to all the Provisions and Conditions of the Policy/Certificate to which it is attached, which are not in conflict with those of the Rider. I For complete benefits and other provisions, please refer to the policy/certificate/rider. This coverage does not replace Workers' Compensation Insurance. This product is Inappropriate for people who are eligible for Medicaid coverage. 1 This policy is considered an employee welfare benefit plan established and/or maintained by an association or employer intended to be covered by ERISA, and will be administered and enforced under ERISA. Group policies issued to governmental entities and municipalities may be exempt from ERISA guidelines. I Policy Form MEDlink• 7 & 8 Series I FL 1 Supplemental Limited Benefit Group Medical Expense Insurance 104/18 APSB-22443(FL)-0418 51+ Page 4 of 4 DENTAL Emplo yee Be nefits: eb. worldin surance. com Other Products & Services: worldinsurance.com City Of Opa-L ocka Effective Date: 10/1/2023 Plan Nickn ame Carrier Plan Name Rate Guarantee Participation Requirements In Ne two rk Deductible: Single Deductible : Family Prev entative / Basic / M ajor Annual M aximum Endodontic Oral Surgery Periodontic Oral Surgery Ortho Coinsurance Ortho Lifetime Max Out of Ne twork Out of Network Reimbursement De ductible: Single Deductible: Family Preventative / Basic / M ajor Curr ent 1 MetLife MET290 1 Years No Ded $5 Office Visits No Ded $5 Office Visits Some procedur es Covered 100%/Co Pays Apply/Co Pays Apply None Co Pays Apply Co Pays Apply Co Pays Apply (Child & Adult) None 2 MetLife PP O 1 Years $150 $50 $50 100%/90%/60% In: $3,000 / Out: $1,500 Major/Basic Major/Basic 50% (Child to age 19) $1,000 MAC (Fee) $50 $150 90%/70%/40% En ro llment 54 77 Employee Only Employee + Spouse Employee + Child(ren) Family 41 5 4 4 54 6 10 7 Monthly Premiums Employee Only Employee + Spouse Employee + Child(ren) Family $13. 06 $22.85 $27.41 $38. 52 $38. 40 $76.79 $92.61 $138.21 Mon thly Pre miu m Per Plan $913.43 $4,427. 91 Chan ge From Current Monthly Premium Per Option $5,341.34 Change From Current Renewal 1 MetLif e MET290 1 Years No Ded $5 Office Visits No Ded $5 Office Visits Some procedures Covered 100%/Co Pays Apply/C o Pays Apply None Co Pays Apply Co Pays Apply Co Pays Apply (Child & Adult) None 2 MetLife PPO 1 Years $150 100%/90%/60% In: $3,000 / Out: $1,500 Major/Basic Major/Basic 50% (Child to age 19) $1,000 MAC (Fee) $50 $150 90%/70%/40% 54 77 41 5 4 4 54 6 10 7 Rate Pass $13.06 $22.85 $27 .41 $38 .52 $36.48 $72.95 $87 .98 $131 .30 $913 .43 $4,206 .52 $0 .00 (0 .00%) -$221 .39 (-5 .00%) $5,119.95 I -$221 .39 (-4.14%) Quotes are based on the ce nsus received. Rates could be adjusted ba ed on final enrollme nt. This data is provided for information purposes only. It is not intende d to re present a binding obligation. The gove rning document for this purpose would be the COC issued by the carrier. Please see detailed benefit summary. Information provided is proprietary. It may not be copied, emulated or distributed without express permission VISION Employee Be ne fits: eb.worldinsurance .com Other Pro du cts & Se rvice s: wo rldinsurance.co m City Of Opa-Locka Effective Date: 10/1/2023 Plan Nickname Carrier Plan Name Network Rate Guarantee Participation Requirements In Network Exams Copay Exams Frequency Lenses Copay Lenses Frequency Frames Allowance Frames Frequency Contact Lenses Allowance Contact Lenses Frequency Out of Ne twork Exams Copay Lenses Copay Frames Allowance Contact Lenses Allowance Current 1 MetLife M130D 10/10 1 Years $10 Once Every 12 Months $10 Once Every 12 Months Up to $130 + 20% off Balance Once Every 24 Months Up to $130 Once Every 12 Months Up to $45 Up to $30 Up to $70 Up to $105 En rollment 106 Employee Only Employee + Spouse Employee + Child(ren) Family 72 11 12 11 Mon thly Premiu ms Employee Only Employee + Spouse Employee + Child(ren) Family $6. 80 $13.62 $14.02 $21.79 Monthly Premium Per Plan $1,047.35 Change From Curren t Renewal 1 MetLife M130D 10/10 1 Years $10 Once Every 12 Months $10 Once Every 12 Months Up to $130 + 20% off Balance Once Every 24 Months Up to $130 Once Every 12 Months Up to $45 Up to $30 Up to $70 Up to $105 106 72 11 12 11 Rate Pass $6.80 $13.62 $14.02 $21.79 $1,047.35 $0.00 (0 .00%) Quotes are based on the census received. Rates could be adjusted based on final enrollment. This data is provided for in formation purposes o nly. It is not intended to represent a binding obligatio n. The governing document for this purpo se would be the COC issued by the carrier. Please see detailed benefit summary. Information provided is proprietary. It may not be copied, emulated or distributed without express permission LIFE & DISABILITY Employee Benefits: e b.worldinsurance.com Other Products & Serv ices: worldinsurance. com City Of Opa-Locka Effective Date : 10/1/2023 Plan Nickname Carrier Plan Name M ulti -class Rate Guarantee Participation Requirements Be ne fit Benefit Amount M aximum Benefit Benefit Reduction Guaranteed Issue Class Description Current 1 Lin coln National Corp oration Life AD&D No ER Paid 100% $50,000 $50,000 35% At Age 70, 15% At Age 75 $50,000 Class 1: All Active FT Non -Officials, Class 2: Chief of Po lice & All FT City Managers, Class 3: All FT Assistant City M anager & Assistant Chief of Police, Class 4: All FT Non -Salaried Officials, Mayor, Vice Mayor & Commissioners Enrollment Employee 159 Monthly Pre miu ms (Rates Pe r $1,000) Volume Basic Life AD & D $7,872,500.00 $0.344 $0.022 Monthly Pre mium Per Plan $2,881.34 Change From Curren t Ren ewal 1 Lincoln National C orporation Lif e AD&D (RG 2025) No 2 Y ears ER Paid 100% $50,000 $50,000 35% At Age 70, 15% At Age 75 $50,000 Class 1: All Active FT Non -Officials, Class 2: Chief of Police & All FT City Managers, Class 3: All FT Assistant City Manager & Assistant Chief of P olice, Class 4: All FT Non -Salaried Officials, Mayor, Vice Mayor & Commissioners 159 $7,872,500 .00 $0.378 $0.022 $3,149.00 $267.67 (9.29%) Neg otiated 1 Lincoln Nati onal Corporati on Life AD&D (RG 2025) No 2 Years ER P aid 100% $50,000 $50,000 35% At Age 70, 15% At Age 75 $50,000 Class 1: All Activ e FT N on -Officials, Class 2: Chief of Police & All FT City Managers, Class 3: All FT Assistant City Manager & Assistant Chief of Police, Class 4: All FT Non -Salaried Officials, Mayor, Vice Mayor & Commissi oners 159 $7,872,500 .00 $0.361 $0 .022 1 $3,015.17 $133.83 (4 .64%) Quotes are based on the census received. Rates could be adjusted based on final enrollment. This data is provided for information purpo ses only. It is not intended to represent a binding obligation. The governing document for this purpose would be the COC issued by the carrier. Please see detailed benefit summary. Information provided is proprietary. It may no t be copied, emulated or distributed witho ut express permission City Of Opa-Locka Effectiv e Date: 10/1/2023 Plan Nic kname Carrier Contrib/Non-Contributory Plan Name M ulti -class Rate Guarantee Participation Requirements Employer Contribution Benefit Benefit Percentage M ax Weekly Benefit Max Benefit Duration Elimination Perio d - Accident Elimination Period - Sickness Class Description Current 1 Lincoln National Corporation C ontribut ory Short Term Disability No 100.0000 % 60% $1,000 11 weeks 14 Days 14 Days Class 1: All FT Employees Excluding City Managers, City Clerks, Commissioners and M ayor of City of Opa Locka Class 2: All FT City M anagers, City Clerks, Commissioner and M ayo r of City of Opa Locka Enrollmen t Employee 77 Monthly Premiums Rates Per $10 Co vered Wee kly Benefit $0. 369 $40,460. 00 Mon thly Premiu m Per Plan $1,492.97 Change Fro m Cu rrent Renewal 1 Lincoln National Corporation Contribut ory Sh ort T erm Disability (RG 2025) No 2 Y ears 0.0000% 60% $1,000 11 weeks 14 Days 14 Days Class 1: All FT Empl oyees Excluding City Manag ers, City Clerks, Commissioners and Mayor of City of Opa L ocka Class 2: All FT City Managers, City Clerks, Commissioner and Mayor of City of Opa Locka 77 $0 .406 $40,460.00 $1,642.68 $149.70 (10.03%) Negotiated 1 Lincoln National Corporation Contribut ory Short Term Disability (RG 2025) No 2 Years 0 .0000% 60% $1,000 11 weeks 14 Days 14 Days Class 1: All FT Employees Excluding City Managers, City Clerks, Commissioners and Mayor of City of Opa Locka Class 2: All FT City Managers, City Clerks, Commissioner and Mayor of City of Opa Locka 77 $0 .387 $40,460.00 $1,565 .80 -$76.87 (-4 .68%) Quotes are based on the census received. Rates could be adjusted based on final enrollment. This data is provided for information purposes only. It is not intended to represent a binding obligation. The governing document for this purpose wo uld be the COC issued by the carrier . Pleas e s ee detailed benefit summary . Information provided is proprietary. It may not be copied, emulated or distributed without express permission City Of Opa-Locka Effective Date: 10/1/2023 Plan Nicknam e Carrier Contrib/Non-Contributory Plan Name Multi -class Rate Guarantee Participation Requireme nts Employer Contribution Bene fit Benefit Percentage Max M onthly Bene fit Max Benefit Duration Elimination Period Definition of Disability Pre-existing Conditions Guaranteed Issue Class Description Current 1 Linc oln Nati onal Corp oration C ontrib utory Long Term Disability No 0.0000% 60% Class 1 & 3: $10,000, Class 2 to $5000 Age 65 or SSNRA 90 Days 24 Months 3/12 Class 1 & 3: $10,000, Class 2 to $5000 Class 1: Elected Officials of City of Opa Locka Class 2: All Other FT Employees except City Managers, City Clerks, Commissioners and Mayor of City of Opa Locka Class 3: All FT City Managers, City Clerks, Commissioners and Mayor of City of Opa Locka Enrollment Employee 46 Monthly Pre miums Rates Per $100 Covered Monthly Payro ll Age Banded $107,871. 00 0-29: $0. 149 30-34: $0. 228 35-39: $0. 386 40-44: $0.584 45-49: $0. 822 50-54: $1.049 55-59: $1.356 60-64: $1.129 65-69: $0. 881 70-74: $0. 703 75-99: $0. 772 Monthly Premium Per Plan $1,410. 87 Chan ge From Current Renewal 1 Lincoln National Corporation Contributory Long Term Disabitlity (RG 2025) No 2 Years 0.0000% Class 1 60% & 3: $10,000, Class 2 to $5000 Age 65 or SSNRA 90 Days 24 Months 3/12 Class 1 & 3: $10,000, Class 2 to $5000 Class 1: Elected Officials of City of Opa Locka Class 2: All Other FT Employees except City Managers, City Clerks, Commissioners and Mayor of City of Opa Locka Class 3: All FT City Managers, City Clerks, Commissioners and Mayor of City of Opa Locka 46 Age Banded $107,871.00 0-29: $0.164 30-34: $0 .251 35-39: $0 .425 40-44: $0 .642 45-49: $0 .904 50-54: $1.154 55-59: $1.492 60-64: $1. 242 65-69: $0. 969 70-74: $0. 773 75-99: $0. 849 $1,552. 00 $141.13 (10. 00%) Negotiated 1 Lincol n National Corporation C ontrib utory Long Term Disabitlity (RG 2025) No 2 Ye ar s 0 .0000 % 60% Class 1 & 3: $10,000, Class 2 to $5000 Age 65 or SSNRA 90 Days 24 Months 3/12 Class 1 & 3: $10,000, Class 2 to $5000 Class 1: Elected Officials of City of Opa Locka Class 2: All Other FT Employees except City Managers, City Clerks, Commissioners and Mayor of City of Opa Locka Class 3: All FT City Managers, City Clerks, Commissioners and Mayor of City of Opa Locka 46 Age Band ed $107,871 .00 0-29: $0.156 30-34: $0 .239 35-39: $0.405 40-44: $0.613 45-49: $0 .863 50-54: $1.101 55-59: $1 .424 60-64: $1.185 65-69: $0.925 70-74: $0.738 75-99: $0 .811 $1,481.41 $70 .54 (5.00%) Quotes are based on the census received. Rates could be adjusted based on final enrollment. This data is provided for information purposes only. It is not intended to represent a binding obligation. The governing document for this purpose wo uld be the COC issued by the carrier. Pleas e see detailed b enefit summary . Information provided is proprietary. It may not be copied, emulated or distributed without express permission n Lincoln Financial Grou z P Supplemental Life and AD&D Insurance The Lincoln Term Life and AD&D Insurance Plan: • Provides a cash benefit to your loved ones in the event of your death • Provides an additional cash benefit to your loved ones if you die — or to you if you lose a limb or your eyesight — in a covered accident • Features group rates for City of Opa Locka employees • Includes LifeKeys® services, which provide access to counseling, financial, and legal support services SM • Also includes TravelConnect services, which give you and your family access to emergency medical help when you're traveling Full -Time Employees of City Of Opa Locka Benefits At -A -Glance Employee Guaranteed coverage amount during initial offering or approved special enrollment period $150,000 Newly hired employee guaranteed coverage amount $150,000 Continuing employee guaranteed coverage annual increase amount Choice of $10,000 or $20,000 Maximum coverage amount 5 times your annual salary ($300,000 maximum) Minimum coverage amount $10,000 AD&D coverage amount Equal to the life insurance amount chosen Spouse Guaranteed coverage amount during initial offering or approved special enrollment period $30,000 Newly hired employee guaranteed coverage amount $30,000 Continuing employee guaranteed coverage annual increase amount Choice of $5,000 or $10,000 Maximum coverage amount 50% of the employee coverage amount ($150,000 maximum) Minimum coverage amount $5,000 AD&D coverage amount Equal to the life insurance amount chosen Dependent Children 6 months to age 19 (to age 25 if full-time student) guaranteed coverage amount $10,000 Age 14 days to 6 months guaranteed coverage amount $250 1 The Lincoln National Life Insurance Company What your benefits cover Employee Coverage Guaranteed Life and AD&D Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to $150,000 without providing evidence of insurability. • Annual Limited Enrollment: If you are a continuing employee, you can increase your coverage amount by $10,000 or $20,000 without providing evidence of insurability . If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. • You can increase this amount by up to $20,000 during the next limited open enrollment period. Maximum Life Insurance Coverage Amount • You can choose a coverage amount up to 5 times your annual salary ($300,000 maximum) with evidence of insurability. See the Evidence of Insurability page for details. • The maximum coverage amount for employees 70 and older who are electing coverage for the first time is$50,000. • Your coverage amount will reduce by 35% when you reach age 65; an additional 25% of the original amount when you reach age 70; an additional 15% of the original amount when you reach age 75; and an additional 15% of the original amount when you reach age 80. Spouse Coverage - You can secure term life and AD&D insurance for your spouse if you select coverage for yourself. Guaranteed Life and AD&D Insurance Coverage Amount • Initial Open Enrollment: When you are first offered this coverage, you can choose a coverage amount up to 50% of your coverage amount ($30,000 maximum) for your spouse without providing evidence of insurability. • Annual Limited Enrollment: If you are a continuing employee, you can increase the coverage amount for your spouse by $5,000 or $10,000 without providing evidence of insurability. If you submitted evidence of insurability in the past and were declined for medical reasons, you may be required to submit evidence of insurability. • If you decline this coverage now and wish to enroll later, evidence of insurability may be required and may be at your own expense. • You can increase this amount by up to $10,000 during the next limited open enrollment period. Maximum Life Insurance Coverage Amount • You can choose a coverage amount up to 50% of your coverage amount ($150,000 maximum) for your spouse with evidence of insurability. • Coverage amounts are reduced by 35% when an employee reaches age 65 Dependent Children Coverage - You can secure term life insurance for your dependent children when you choose coverage for yourself. Guaranteed Life Insurance Coverage Options: $1o,000 Supplemental Life and AD&D Insurance Benefits At -A -Glance LFE-ENRO-BRC001-FL 2 Additional Plan Benefits Accelerated Death Benefit Included Premium Waiver Included Conversion Included Portability Included Seat Belt & Airbag Included with AD&D Common Carrier Included with AD&D Benefit Exclusions Like any insurance, this term life and AD&D insurance policy does have exclusions. For life insurance, a suicide exclusion may apply. For AD&D, benefits will not be paid if death results from suicide, or death/dismemberment occurs while: • Inflicting or attempting to inflict injury to one's self • Participating in a riot or as a result of war or act of war • Serving as a member of the military, including the Reserves and National Guard • Committing or attempting to commit a felony • Deliberately inhaling gas (such as carbon monoxide) or using drugs other than those prescribed by a physician and administered as prescribed • Flying in a non-commercial airplane or aircraft, such as a balloon or glider • Driving while intoxicated (with a blood alcohol level of .08 grams or more per 100 milliliters of blood) In addition, the AD&D insurance policy does not cover sickness or disease, including the medical and surgical treatment of a disease. A complete list of benefit exclusions is included in the policy. State variations apply. Questions? CaII 800-423-2765 and mention Group ID: CTYOPALOCK. This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will govern. LifeKeys. services are provided by ComPsych. Corporation, Chicago, IL. ComPsych., EstateGuidance. and GuidanceResources' Online are registered trademarks of ComPsych Corporation. TravelConnectSM services are provided by UnitedHealthCare Global, Baltimore, MD. ComPsych and UnitedHealthCare Global are not Lincoln Financial Group companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations. Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply. nLincoln Financial Group' ©2018 Lincoln National Corporation LCN-2016746-020518 R 1.0 — Group ID: CTYOPALOCK Supplemental Life and AD&D Insurance Benefits At -A -Glance LF E -E N RO-BRC001-F L 3 IOW 41011101111111111110 Semi -Monthly Supplemental Life and AD&D Insurance Premium Here's how little you pay with group rates. Employee Age Range Life-& AD&D Premium Rate 0-24 r 0.0000560 25 - 29 0.0000560 30 - 34 0.0000610 35 - 39 0.0000710 40 - 44 0.0001060 45 - 49 0.0001610 50 - 54 0.0002860 55 - 59 0.0004460 60 - 64 0.0005210 65 - 69 0.0009260 70 - 74 0.0017910 75 - 79 0.0048010 80 - 99 0.0109310 Employee Age Range Life & AD&D Premium Rate 0-24 25 - 29 30 - 34 35 - 39 40-44 45 - 49 50 - 54 55 - 59 0.0000560 0.0000560 0.0000610 60 - 64 65-69 0.0000710 0.0001060 0.0001610 0.0002860 0.0004460 0.0005210 0.0009260 Dependent Children Semi - Monthly Premium for Life Insurance Coverage Coverage Semi -Monthly Amount Premium $10,000 $1.00 Group Rates for You The estimated semi-monthly premium for life and AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $10,000) by the employee age -range premium rate. $ X = $ coverage amount premium rate semi-monthly premium Note: Rates are subject to change and can vary over time. Group Rates for Your Spouse The estimated semi-monthly premium for life and AD&D insurance is determined by multiplying the desired amount of coverage (in increments of $5,000) by the employee age -range premium rate. $ x = $ coverage amount premium rate semi-monthly premium Note: Rates are subject to change and can vary over time. Group Rates for Your Dependent Children One affordable semi-monthly premium covers all of your eligible dependent children. Note: You must be an active City of Opa Locka employee to select coverage for a spouse and/or dependent children. To be eligible for coverage, a spouse or dependent child cannot be confined to a health care facility or unable to perform the typical activities of a healthy person of the same age and gender. The Lincoln National Life Insurance Company Please see prior page for product information. Supplemental Life and AD&D Insurance Premium Calculation LFE-ENRO-BRC001-FL 4 ADDTIONAL PRODUCTS SUPPLEMENTAL WO RKSITE BENEFITS Emplo yee Bene fits: eb. wo rldin surance. com Other Products & Service s: worldinsurance.co m Deductions per year: 24 Critical Illness 1.0 for FL These rates were prepared on 9/11/2015 and are valid for 90 days. Applicable to policy form CI -1.0 • with Subsequent Diagnosis Coverage, Health Screening Benefit Non -Tobacco Rates ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE -PARENT FAMILY TWO -PARENT FAMILY $10,000 17-24 $1.53 $2.30 $1.58 $2.40 25-29 $1.78 $2.70 $1.83 $2.75 30-34 $2.18 $3.30 $2.23 $3.35 35-39 $2.83 $4.20 $2.88 $4.30 40-44 $3.68 $5.50 $3.73 $5.55 45-49 $4.78 $7.20 $4.83 $7.25 50-54 $6.08 $9.30 $6.13 $9.35 55-59 $7.43 $11.45 $7.48 $11.50 60-64 $9.08 $14.10 $9.13 $14.20 65-70 $10.93 $16.45 $10.98 $16.55 $25,000 17-24 $2.21 $3.28 $2.33 $3.53 25-29 $2.83 $4.28 $2.96 $4.40 30-34 $3.83 $5.78 $3.96 $5.90 35-39 $5.46 $8.03 $5.58 $8.28 40-44 $7.58 $11.28 $7.71 $11.40 45-49 $10.33 $15.53 $10.46 $15.65 50-54 $13.58 $20.78 $13.71 $20.90 55-59 $16.96 $26.15 $17.08 $26.28 60-64 $21.08 $32.78 $21.21 $33.03 65-70 $25.71 $38.65 $25.83 $38.90 $50,000 17-24 $3.33 $4.90 $3.58 $5.40 25-29 $4.58 $6.90 $4.83 $7.15 30-34 $6.58 $9.90 $6.83 $10.15 35-39 $9.83 $14.40 $10.08 $14.90 40-44 $14.08 $20.90 $14.33 $21.15 45-49 $19.58 $29.40 $19.83 $29.65 50-54 $26.08 $39.90 $26.33 $40.15 55-59 $32.83 $50.65 $33.08 $50.90 60-64 $41.08 $63.90 $41.33 $64.40 65-70 $50.33 $75.65 $50.58 $76.15 Group Medical Bridge for FLAge-Banded Applicable to Policy Forms GMB1.0-P & GMB1.0-C • Hospital Confinement: $1000, Health Screening: $50, Outpatient Surgery: Tier 1=$500, Tier 2=$1000, CY Max=$1500 ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE -PARENT FAMILY TWO -PARENT FAMILY 17-49 $8.52 $15.26 $12.61 $19.35 50-59 $11.30 $21.85 $15.40 $25.95 60-64 $14.86 $29.97 $18.95 $34.05 65-99 $19.33 $39.55 $23.41 $43.64 .soil. Colonial Life. Underwritten by Colonial Life & Accident Insurance Company Page 1 of 2 See page 2 for Important Notice (Continued...) Group Medical Bridge for FLAge-Banded Applicable to Policy Forms GMB1.0-P & GMB1.0-C • Hospital Confinement: $1500, Health Screening: $50, Outpatient Surgery: Tier 1=$750, Tier 2=$1500, CY Max=$2500 ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE -PARENT FAMILY TWO -PARENT FAMILY 17-49 $12.23 $22.06 $18.37 $28.20 50-59 $16.41 $31.96 $22.54 $38.09 60-64 $21.74 $44.11 $27.89 $50.25 65-99 $28.44 $58.49 $34.58 $64.62 Cancer 1000 for FL Applicable to policy form C1000 • with Progressive Payment Benefit, $5,000 Initial Diagnosis Benefit ISSUE AGE NAMED INSURED ONE -PARENT FAMILY TWO -PARENT FAMILY Level 2 17-69 $15.05 $16.75 $25.00 Level 3 17-69 $18.05 $20.75 $30.50 Accident 1.0 for FL • On/Off-Job Accident Coverage Preferred with health screening Applicable to policy forms ACCIDENT 1.0 -HS and ACCIDENT 1.0 -NS ISSUE AGE NAMED INSURED EMPLOYEE & SPOUSE ONE -PARENT FAMILY TWO -PARENT FAMILY 17-80 $8.62 $13.83 $15.80 $20.95 Important Notice Insurance coverage has exclusions and limitations that may affect benefits payable. For a complete description of benefits, limitations and exclusions, please refer to an outline of coverage, sample policy/certificate, proposal description or see your Colonial Life benefits counselor. Coverage type, benefits and rates vary by state. Coverage may not be available in all states. Rates provided are illustrative and your actual premium may be different depending on your particular situation and plan choices. Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. © 2014 Colonial Life & Accident Insurance Company "Colonial Life," and the Colonial Life logo, separately and in combination, are service marks of Colonial Life & Accident Insurance Company. All rights reserved. Colonial life Underwritten by Colonial Life & Accident Insurance Company Page 2 of 2 See page 2 for Important Notice .�I • Colonial Life Gunshot Wound Rate Sheet for Florida Monthly premium per $1,000 of lump -sum benefit in Florida Plan Code PS03 Note: the "0" is a zero 1 Issue Ages 17- 69 $0.20 Coverage Employee only Plan Structure On/off-job Benefit Amount $1,000 to $5,000 lump sum, offered in $1000 increments Benefit Features • Non -fatal gunshot wound from a conventional firearm. • One benefit per 24 -hour period, regardless of the number of gunshot wounds. • Requires treatment by a physician, including overnight care in a hospital, within 24 hours after the accident. Eligibility • Offered to all permanent, benefit -eligible employees ages 17-69 in Florida who work at least 15 hours per week on a regular basis. • The employee must be actively at work at the time of application. • Seasonal and temporary employees are not eligible. Spouse and children are not eligible. Policy Form • GSW-FL only For states other than Florida, see the regular gunshot wound rate sheet, 101717. Important: The information contained in this rate sheet is confidential and intended for the training and education of Colonial Life & Accident Insurance Company employees and benefit counselors only. Colonial Life has not authorized any other use of this information. Do not give or show it to prospective insureds, employers of prospective insureds, other insurance carrier representatives, work site marketing competitors, or anyone else not employed by or contracted with Colonial Life or other Unum Group business units. This sheet contains highlights of the actual product benefits. Please see the policy for your state for complete details. Copyright 2016 Colonial Life & Accident Insurance Company coloniallife.com 7-16 101741 PREMIUM PRODUCTS AND SERVICES PROTECT YOUR PEOPLE AND YO UR BUSINESS Employee Bene fits: eb. worldinsurance.com Other Products & Services: worldinsuran ce. com W RLD PROTECT YOUR PEOPLE AND YOUR BUSINESS WITH PREMIUM PRODUCTS AND PERSONAL SERVICE LARGE RESOURCES. LOCAL RELATIONSHIPS. BUSINESS INSURANCE EMPLOYEE & EXECUTIVE BENEFITS RETIREMENT PLANNING SERVICES PAYROLL & HR SOLUTIONS FINANCIAL PLANNING PERSONAL INSURANCE World Insurance Associates LLC is a leading insurance and financial services organization offering premium products and services from major providers, combined with personal service from local advisors. Never compromise again when it comes to managing and protecting your most important assets —your people and your business. Get the best of both worlds, with World. 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Fastest Growing Growing Brokers By Business Insurance 100 Largest Brokers of U.S. Business By Business Insurance Top 100 Independent P&C Agencies By Insurance Journal Top 50 Personal Lines Agencies By Insurance Journal FULL -SERVICE OFFERING • BUSINESS INSURANCE World's business insurance offering spans all risk protection products including exclusive coverages for niche industries. We tailor programs specifically to protect your unique risks with the best carriers in the industry across liability, property & casualty, and surety and bonding. PAYROLL & HR SOLUTIONS Our suite of HR and payroll solutions is your one -stop shop for taking care of your people. Our in-house team has more than 20 years of experience with HR outsourcing, payroll and tax administration, time and labor management, and HR technology. FINANCIAL PLANNING Our advisors can help you manage business continuation and succession planning risks including executive compensation and bonus plans. We can also help you with personal financial planning designed to assist you in growing and preserving your wealth. AREAS OF EXPERTISE • Aviation • Auto services • Cannabis • Contractors/surety • Entertainment • Financial firms • Fitness clubs • Food and beverage • Hospitality / Hotels • Law firms • Manufacturing • Marine EMPLOYEE & EXECUTIVE BENEFITS World's comprehensive employee and executive benefits suite spans group products and employee wellness programs, including group health, group life, group disability, ancillary products, voluntary options, consumer -directed benefits, employee 401(k) plans, and PEO solutions. RETIREMENT PLAN SERVICES If you want to engage your employees, promote retirement readiness, reduce your workload, or mitigate cost and risks, we can help. Our advisors provide hands-on strategic retirement and financial wellness planning focused on your unique needs. PERSONAL INSURANCE In addition to coverages for your home, vehicle, and valuables, we can discuss strategies for protecting your income and your family's future, wealth conservation and distribution, planned giving, and the income -to -wealth transition process. We also specialize in high -net -worth portfolios. • Medical/Healthcare • Municipalities • Nonprofit and education • Real estate/property mgmt. • Restaurants • Retail stores • Self -storage facilities • Sport recreation • Startups • Technology firms • Transportation • Travel agents *As of 12/31/2021, the Pensionmark network of advisors and firms provides support to more than $80.70 in assets across a variety of channels including investment management and retirement plan consulting services, which includes regulatory assets under management of more than $24.2B. NATIONAL REACH World has 260+ offices across the United States and continues to add quality partners through its acquisition growth strategy. At #11111ortelti ■ World offices Arizona Arkansas California Colorado Connecticut Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Minnesota Nevada Rhode Island New Hampshire South Carolina New Jersey Tennessee New York Texas North Carolina Utah Ohio Vermont Oklahoma Virginia Oregon Washington Pennsylvania Washington, D.C. We help our clients protect their people and their business with the best products in the industry and the personal touch of a local advisor. Get the best of both worlds, with World. iIEADQUARTERS World Insurance Associates 100 Wood Avenue South, 4th Floor Iselin, NJ 08830 732-380-0900 yourteam@worldinsurance.com Visit us online at worldinsurance.com Connect with us at: 00 ©2023 World Insurance Associates LLC. All rights reserved. WORLD