This document is Amendment 0001 to Solicitation 2031JW25Q00073, issued by the Comptroller of the Currency. Its primary purpose is to extend the quotation submission deadline to Friday, September 5, 2025, at 3:00 PM (Eastern). The amendment also provides answers to industry questions, removes Mr. Patrick Reil as the contract specialist, and incorporates other changes marked in red font within the solicitation. Offerors must acknowledge receipt of this amendment to ensure their offers are considered. All other terms and conditions of the original solicitation remain unchanged.
The document, an RFP Q&A worksheet for a Short-Term Disability (STD)/Long-Term Disability (LTD) Insurance Program, clarifies various aspects for potential contractors. Key points include the requirement for non-small businesses to submit a small business subcontracting plan without specific OCC goals or formats. NDAs are needed upon contract award, not with the proposal. The OCC will not provide an eligibility file for claims, and the technical capability page limit has been increased from 10 to 12 pages. Regarding security, a SOC2 report is the minimum acceptable, with an internal assessment still required for OCC ATO. The OCC intends to increase LTD benefit maximums, and clarifies current benefit discrepancies. The census data provides enrolled STD employees, and all eligible employees are covered under LTD. The OCC does not use a benefits administration system, nor does it have an internal claims team. Finally, the OCC will not consider proposals from insurance brokers, only insurance companies.
The provided document, "Attachment 1 - OCC Census Data," is a detailed list of 881 entries, each containing a count, gender (Female or Male), and a 5-digit zip code, along with a numerical value labeled "Adjusted Base Salary." The presence of an "X" under a column titled "VSTD Enrolled" suggests a potential enrollment status, although the specific meaning of "VSTD" is not defined within the document. The file's format indicates it is likely a dataset used for demographic or compensation analysis within a government context, possibly related to staffing, salary benchmarks, or regional distribution, relevant for federal government RFPs, federal grants, or state and local RFPs where such detailed data might be required for reporting, planning, or statistical purposes.
The document outlines the Metropolitan Life Insurance Company’s Group Policy for Short Term Benefits, effective July 1, 2015, issued to the Office of the Comptroller of the Currency. It details changes to exclusions for elective treatments, notably deleting “sex change surgery” and replacing it with a broader exclusion that exempts treatments directly related to gender dysphoria. The policy covers full-time, part-time, and temporary employees working at least 60 hours biweekly. Key aspects include definitions of disability, elimination periods, maximum benefit periods (90 days), and rehabilitation incentives such as increased weekly benefits and family care reimbursement. It also specifies income sources that will and will not reduce benefits, claim filing procedures, and general provisions regarding assignments, benefit payments, and overpayments. State-specific notices for residents of Texas, Utah, Vermont, and others are included, detailing consumer protection rights and unique policy provisions.
The document outlines a long-term disability income insurance plan provided by MetLife for employees of the Office of the Comptroller of the Currency (OCC) and Office of Financial Research (OFR). Eligible employees include full-time, part-time, and temporary staff with appointments over one year, working a minimum of 60 hours biweekly. The plan, effective July 1, 2015, offers a monthly benefit of 60% of pre-disability earnings, up to a maximum of $15,000, after a 90-day elimination period. Benefits are subject to reduction by other income sources like Social Security and workers' compensation. The policy includes rehabilitation incentives, family care and moving expense incentives, and a single sum payment upon the insured's death. It also details exclusions for pre-existing conditions, substance abuse, mental disorders, and certain causes like war or self-inflicted injury. The document provides instructions for filing claims and contact information for various state insurance departments for inquiries or complaints, emphasizing regulatory compliance and employee support.
The provided government file, "ATTACHMENT 5 - STD Premium History" and "ATTACHMENT 5 - LTD Premium History", details the historical premium data for Short-Term Disability (STD) and Long-Term Disability (LTD) insurance from 2021 to 2025. The STD premium history shows bi-weekly deductions from employees' pay across 26 pay periods, with total annual premiums steadily increasing from $88,528.57 in 2021 to a projected $11,220.80 for part of 2025, with full 2025 data not provided. The LTD premium history provides monthly premium data categorized by "OCC" (Occupational) and "OFR" (Off-Road) for each year from 2021 to 2024, with only partial data for 2025. It also includes FICA amounts, which are combined for OCC/OFR, with specific quarterly figures for 2023. The total LTD premiums show an increase from $704,678.25 (OCC) and $28,033.72 (OFR) in 2021 to a projected $829,672.50 (OCC) and $45,774.32 (OFR) in 2024. The 5-Year Overall Total for LTD premiums is $3,181,514.66. This data is crucial for understanding the historical cost trends of these employee benefits, likely for the purpose of future budgeting, forecasting, or evaluating proposals in government RFPs or grants related to employee benefits.
The document, "ATTACHMENT 6 – DELIVERABLES REQUIRED ELECTRONIC REPORTS, LETTERS, AND DOCUMENTS LISTING," outlines a comprehensive list of electronic deliverables and their submission frequencies required from a contractor. This attachment is crucial for understanding the contractual obligations related to reporting and documentation. Key deliverables include initial submissions such as Insurance Policies and Certificates, Forms and Brochures, Claim Filing Instructions, and the creation of Claim Reporting Structures, all due six weeks after the contract award. Ongoing deliverables vary in frequency: Activity Reports are monthly; Call In-take Reports and FICA Invoice Notifications are quarterly; and Disability Income Reports (1099 and W-2), and Experience Reports are annual. Other deliverables like the Implementation Project Plan, STD/LTD At-a-Glance, and Claims Experience Report have submission dates as agreed upon between the OCC and the Contractor. This document ensures clear expectations for timely and accurate electronic submissions, which is vital for effective contract management within a government context.
The document, "ATTACHMENT 7 – TECHNICAL CAPABILITY QUESTIONNAIRE," is a request for proposal (RFP) from the Office of the Comptroller of the Currency (OCC) seeking detailed information from offerors regarding their technical capability to manage and administer an integrated disability program, including both Short-Term Disability (STD) and Long-Term Disability (LTD) services. The OCC will evaluate the offeror's ability to provide efficient services, fulfill performance goals, and specifically address key elements of the STD/LTD claims process, such as intake, benefit determination, vocational rehabilitation, return-to-work, and appeals. The RFP also requires confirmation of adherence to the OCC's specific plan design parameters for STD and LTD, including benefit percentages, maximum/minimums, waiting periods, and maximum benefit periods. Additionally, offerors must disclose any discrepancies with their own contract language, confirm their capability to set up separate claims structures for OCC and OFR employees, outline their responsibilities regarding tax reporting for benefits, provide details about their claims and customer service offices, and address aspects like minimum participation requirements, third-party vendors, portability, conversion options, implementation plans, and electronic/telephonic claims handling capabilities.
The Non-Disclosure Agreement (NDA) for Conditional Access to Controlled Unclassified Information outlines the terms for individuals granted access to sensitive but unclassified U.S. Government information. This agreement, vital for work performed under specific contracts, obligates the individual to protect this information from unauthorized use or disclosure. It defines sensitive but unclassified information as anything whose misuse could adversely affect national interest or federal programs, including proprietary and privacy data, but not classified national defense information. The agreement strictly prohibits unauthorized divulgence or commercial use of this information, requiring prior written approval from the Office of the Comptroller of the Currency (OCC) for any disclosure or publication. Violations can lead to cancellation of access, civil action for damages, or criminal charges. All obligations remain in effect even after the contract concludes, ensuring continuous protection of sensitive information.
The Office of the Comptroller of the Currency (OCC) and the Office of Financial Research (OFR) are seeking an experienced contractor to underwrite and administer their Short-Term Disability (STD) and Long-Term Disability (LTD) insurance programs. This Request for Quote (RFQ) outlines requirements for an integrated disability management approach, including specific plan designs for STD and LTD benefits, eligibility criteria, and claim filing procedures. The contract will be a Firm Fixed Price, with premiums paid by employees for STD and by the OCC/OFR for LTD. The selected contractor must adhere to stringent security and privacy requirements, including data protection, incident response, and compliance with federal regulations like Section 508 accessibility standards. Quotations are due by August 27, 2025.
The Office of the Comptroller of the Currency (OCC) and the Office of Financial Research (OFR) issued RFQ 2031JW25Q00073 (Amendment 0001) for a Short-Term Disability (STD) and Long-Term Disability (LTD) Insurance Program. This combined synopsis/solicitation seeks an experienced contractor to underwrite and administer an integrated disability management approach for approximately 3,592 OCC and 200 OFR benefit-eligible employees. The contract, a Firm Fixed Price type, will cover a base year (January 1, 2026, to December 31, 2026) and four option years. The NAICS code is 524113, “Direct Life Insurance Carriers,” with a small business size standard of $47.0 million. Key requirements include claims processing, customer service, an account manager, and adherence to Section 508 accessibility standards, as well as stringent security and privacy protocols for Controlled Unclassified Information (CUI). Quotes are due by September 5, 2025, at 3:00 PM (Eastern).