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MCKINLEY INSURANCE SERVICES
t UNBOUND ORIGINAL City of South Miami Request for Proposal # SM- 2011 -08-HR Insurance Brokerage Services CITY OF SOUTH MIAMI REQUEST FOR PROPOSAL INSURANCE BROKERAGE SERVICES RFP NO. SM- 2011 -08 -HR Submitted By: McKinley Insurance Services, Inc. 545 North Andrews Avenue Fort Lauderdale, Florida 33301 Contact: Ralph Campbell, President rcampbell*mckinleyinsurance. com Phone: 954 - 938 -2685 Date: July 7, 2011 Submitted by: McKinley Insurance Services, Inc. [1] t TABLE OF CONTENTS TAB 1 TAB 2 TAB 3 TAB 4 TAB 5 TAB 6 TAB 7 TAB 8 A. LETTER OF INTEREST B. QUALIFICATIONS AND EXPERIENCE C. NON - COLLUSION AFFIDAVIT FORM D. SWORN STATEMENT ON PUBLIC ENTITY CRIMES E. COST PROPOSAL F. RFP DOCUMENTS EXHIBITS • Copy of RFP Copy of Florida License • Proof of Insurance • Reputation /Achievements /Endorsements • McKinley Health Care Consortium Sample Client Communications • Renewal Summary • Plan Design /Rate Analysis • Claims Data Analysis • Contribution Analysis • Legislative Updates Sample Employee Communications • Sample Newsletter • Health & Wellness fh. 954-938 -2685 • fax; 954- 938 -2695 4 www.mckinleyinsurance.com 545 N. Andrews Avenue, Fort Lauderdale, FL 33301 July 7, 2011 City Clerk Office South Miami City Hall 6130 Sunset Drive South Miami, Florida 33143 City of South Miami City Clerk: McKinley Insurance Services is honored to respond to your Request for Proposal for Insurance Brokerage Services. As you review our proposal, you will find that we are highly qualified and uniquely experienced in working with government entities. We have been in business for twenty four (24) years and are an independently owned agency. McKinley Insurance Services is committed to perform the required work in the specified timeline as outlined by the City of South Miami. Ralph Campbell, President & CEO is the designated authorized representative of our firm. The telephone number is 954 -938 -2685 and e-mail contact is rcamobell @mckinlevinsurance com. Should you have any questions, please do not hesitate to contact us. We look forward to your Positive review. President & CEO d, PROPOSER'S QUALIFICATION STATEMENT Insurance Brokerage Services PROPOSER shall furnish the following information. Failure to comply with this requirement will render the Bid non - responsive and shall cause its rejection. Additional sheets shall be attached by the Proposer as required. PROPOSER'S Name and Principal Address: McKinley Insurance Services, Inc. 545 North Andrews Avenue Fort Lauderdale Florida 33301 Contact Person's Name and Title: Ralph Campbell President & CEO PROPOSER'S Telephone and Fax Number: T- 954- 938 -2685 F- 954- 938 -2695 PROPOSER'S License Number: A039248 (Please attach certificate of competency and /or state registration.) PROPOSER'S Federal Identification Number: 65- 0003614 I. Number of years your organization has been in business, in this type of work: 2. Names and titles of all officers, partners or individuals doing business under trade name: Sim McKinley - Owner, Founder Ralph Campbell - President & CEO Charles Murphy - C00 The business is a: Sole Proprietorship Partnership [] Corporation 0 LLP F] LLC ❑ 3. Describe your experience and services related to health management. This would include health risk assessments, wellness, health coaching, disease management, etc. * See written re Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 14 of 25 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services A. ORGANIZATIONAL BACKGROUND 1. McKinley Insurance Services is an independent, full- service, all -lines insurance agency that is locally headquartered in Fort Lauderdale, Florida, and maintains an office in Orlando, Florida. Jim McKinley founded McKinley Financial Services Inc. dba McKinley Insurance Services, Inc, in 1987 as a one - person operation. Since then, the firm has grown exponentially to become the largest minority -owned insurance agency in the United States. Since writing its first policy over 23 years ago, McKinley Insurance Services has evolved into an agency with a dedicated team of agents, brokers, customer service representatives, management, and office personnel. McKinley Insurance Services, Inc. is one of the largest insurance agencies in the South Florida Marketplace as determined and ranked by The South Florida Business Journal -, McKinley Insurance Services has a diverse customer base ranging from personal coverage lines (individual auto insurance, homeowner, and health coverage); employer groups (large and small); government agency benefits; as well as commercial property and casualty programs. The organizational structure of McKinley Insurance Services is made up of five internal practice groups which are Individual Life and Health, Group Benefits, Commercial Property & Casualty, Consulting and Schools & Universities. In addition to the traditional services mentioned above, McKinley Insurance Services Inc. also offers Special Risk (Sports and Event Coverage), Student Accident and Sickness along with Athletic Coverage, Section 125 (Cafeteria Plan), and a Charitable Gifts Program. Each division's main functions are specialized sales, client service and support. Currently, group health benefits and consulting work account for approximately 70% of the company's total revenue. The overall performance of group health benefits is the cornerstone of our business. Our success in this sector of the industry occurs by understanding our client's needs and using our expertise to provide the best possible insurance at the lowest cost. McKinley Insurance Services, Inc. is a firm that provides total insurance services. To ensure superior service, our clients have 24 hour access to their own dedicated representative. We work as an extension of the client's Human Resources department and ease their workflow by helping them manage employee benefits, service the employees and provide compliance, regulatory and legislative updates. McKinley Insurance has developed and enjoys strong long term carrier relationships which gives us leverage to negotiate the best possible products and services for our clients. We customize each client's service package based on their need. Submitted by: McKinley Insurance Services, Inc. [22] City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services 3. Describe your experience and services related to health management. This would include health risk assessments, wellness, health coaching, disease management, etc. McKinley Insurance Services offers a comprehensive wellness program in conjunction with the health care carrier to our clients which includes carrier administered Health Risk Assessments, Monthly Wellness Seminars, Annual Health Fairs and Quarterly Newsletters to educate, engage and motivate employees to become more aware of health related topics and services available to maintain a healthy lifestyle. McKinley Insurance Services will coordinate monthly and/or quarterly wellness seminars. The seminars feature specific health topics whereby a guest speaker will conduct educational session(s) for the employees. In addition to an educational session, a screening or complimentary service may be offered to the participants (i.e. Rand Eye Institute conducted onsite eye exams, a chiropractor offered a complementary consultation /evaluation). Other services (i.e. biometric screenings, health risk assessments) may also be offered working in conjunction with the health care carrier. 4. Describe an example of a City for whom you have coordinated or provided these services. McKinley Insurance Services currently provides informative Quarterly Newsletters to the employees of the City of Parkland. Additionally we coordinate and facilitate Annual Health Fairs to which health providers are present to conduct biometric screenings. All of the employees' test results are examined and recorded and a Registered Nurse is sent by McKinley to meet one -on -one with the City's employees to relay their personal results. 5. Have you ever failed to complete work awarded to you. If so, when, where, and why? No. McKinley Insurance Services, Inc. has never failed to complete awarded work. 6. How will you maintain confidentiality of the City's records and data (include in your discussion any security procedures for accessing, sending, and storing data that are currently in place)? McKinley Insurance Services understands the importance of confidentiality in that much of our business is with municipal and not - for - profit organizations that regularly handles sensitive information. In addition, our role with our clients often exposes us to very sensitive data such as health conditions and financial status. Each of the areas we are trusted to keep them confidential and discreet when disclosing any aspect of information in the course of resolving inquires. We use secure emails whenever necessary to communicate with carriers. We speak directly with the employee /member regarding health, financial and relationship matters. When handling sensitive documents we use the utmost discretion when receiving and storing. When handling confidential data within our facility, McKinley Insurance Services operates under the following protocol: Locked file cabinets with limited personnel access Locked offices are with the only two keys to access — Assigned person / Facilities management Onsite shredding is performed on a monthly basis. 7. Discuss your service approach and how you respond to City requests. Include what you consider non - urgent/routine requests and urgent requests. Submitted by: McKinley Insurance Services, Inc. [2) City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services McKinley views each inquiry as important. All inquiries receive a response within 24 hours. It is our common practice to respond within the hour. In the case of an urgent request, our clients have several points of access to getting the service they need. 1) e-mail 2) call our office and 3) cell phone contact information for all members of the service team for 24 hour access. This ensures that our clients receive the level of required attention and response to assist them with inquiry resolution. When we receive a request, we assess the nature of the request and the impact of response time (i.e. if an employee is attempting to get service at a provider office, we will intervene immediately by contacting the carrier and getting someone to assist at that moment to resolve the matter; in the case there is a question regarding specific guidelines, we will determine if further research is necessary and then follow up with the answer the same day or request additional time if absolutely necessary. 8. How do you measure client satisfaction? Client satisfaction is measured in several ways; clients that do long term business with a service or product provider demonstrate their satisfaction through contract renewal. Another way a client demonstrate their satisfaction is that they recommend our services to others. And the third measurement, is when a client gives you an unsolicited reference. McKinley Insurance Services has and does experience these measures of satisfaction. Direct feedback is the best measure of client satisfaction, McKinley Insurance Services has incorporated an annual client survey to further assess client satisfaction and to determine more personalized client needs. 9. Confirm that you serve as a consultant or broker, independently, and are not affiliated with any insurance company, third party administrative agency or provider network. McKinley Insurance Services is an independently owned and operated full service insurance agency. Our business license and insurance license is not tied to any other organization or entity. 10. Describe your experience in provider network development, recruitment and negotiation, and maintenance. McKinley Insurance Services role as agent of record does not include provider network development. However, we work with the insurance carriers to address provider network needs. 11. Outline your ability to provide expertise and experience in the areas of health benefit plan analysis and design. McKinley Insurance Services conducts a historical review of each client's benefits portfolio, unique needs, and contribution strategy. We will compare The City of South Miami's structure to other relevant market data taking into consideration your budget and other impactful factors; after which we make recommendations best suited for the City. 12. Explain in detail the types of analyses you have conducted relative to benefits analysis and design for a health plan with at least 100 employees. McKinley Insurance Services provides plan design, premium and contribution analysis to its clients (examples included). It is our desire for a client to review all aspects of their renewal, employer and employee costs. The analysis we provide reflects both areas. 13. Provide examples of communication materials developed and prepared by your organization for use in City's health benefit communication campaign. Submitted by: McKinley Insurance Services, Inc. [31 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services Examples can be found in Tab # 8 for your review. 14. Are there any existing service provider relationships that may prevent you from acting independently and providing objective advice or guidance? (Examples, overrides, commission agreements, preferred contracts, pricing based on volume, etc.) McKinley Insurance Services does not have any service provider relationships that would prevent this firm from acting independently when providing service and consultative advice to our clients. 15. List any subcontractors who will provide services under this Contract and the services they will provide. The foregoing list of subcontractor(s) may not be amended afterward of the contract without the prior written approval of the Contract Administrator, to be designated by the City Manager, and whose approval shall not be unreasonably withheld. Benefits Outsource, Inc. (BOI) provides COBRA services; BrokerSuite provides online enrollment services. 16. List and describe all bankruptcy petitions (voluntary or involuntary) which have been filed by or against the Proposer, its parent or subsidiaries or predecessor organizations during the past five (5) years. Include in the description the disposition of each such petition. McKinley Insurance Services Inc., its subsidiaries or predecessor organizations has not filed bankruptcy petitions (voluntary or involuntary) during the past five (5) years. 17. Provide specific examples of a significant savings in the cost of benefits to the client that can be directly attributed to your past services. McKinley Insurance Services has a proven track record of assisting clients in achieving significant cost savings as related to their employee benefits portfolio. Example 1: City of Parkland — by leveraging new legislative mandate; that a carrier has to provide customers (fewer than 100 employees) with their claims experience data within 21 days of the customer's written request. Obtaining this data revealed that the proposed renewal was excessive. We used the data to renegotiate the renewal from a double to single digit increase Example 2: City of Oakland Park — by using our experience and knowledge of products, McKinley Insurance Services assisted them in changing from a heavily burdened self- insured program to a traditional plan platform and then to their now consumer driven platform which is designed to engage both the employer and employee in cost saving practices. Example 3: City of Riviera Beach — by exploring the current market, McKinley Insurance Services was able to assist the City in reducing its health benefit expenditure by $755,000 with plan modification and tier re- structuring. Example 4: City of Miami Gardens — year over year, McKinley Insurance Services has successfully negotiated single -digit renewals using claims data knowledge and carrier negotiation experience. This was accomplished in a market where the average trend is at least 12 %. Submitted by: McKinley Insurance Services, Inc. [4] City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services 18. List any companies your are affiliated with or have contractual arrangement with including insurance companies, third party administrators (claims or other administrative /record keeping services), provider networks, HR or benefits software vendors, etc. McKinley Insurance Services is not affiliated or contractually connected or obligated with /to insurance companies, third party administrators, provider networks, HR or benefits software vendors, etc. 19. Describe your firm's ability to assist with Benefits Administration issues. McKinley Insurance Services works with its clients as an extension of its HR / Benefits Department to assist in administering the selected benefits. McKinley Insurance Services acts as liaison between the client and carrier to ensure that benefits and services are rendered in conjunction with issued certificate of coverage and service agreements. In addition to ensuring the clients receive proper service, we also provide data, reports and other documentation that assist the client. McKinley also is able to provide assistance using our current event approach due to our involvement as SHRM members. We are also constantly reviewing legislation, State and Federal to keep our client abreast of and compliant with required regulations as they may pertain to their employee benefits portfolio. 20. What distinguishes your firm from other consulting firms and why should the City select your firm for consulting needs? McKinley Insurance has a long history in coordinating municipal employee benefits services. Our track record reflects that we are service oriented to both management and employees. McKinley is also known for its client /carrier matching. McKinley Insurance Services has built its business and reputation on the foundation of this simple principal; we believe that price and appeal may get you but service is what keeps you. Our service is built on knowledge, experience and commitment to excellence. McKinley has a hands -on approach to delivering our services. Our company is one that believes that the personal touch is still the best type of service any client can receive. Each call is answered and directed by a live person during normal business hours. This is further demonstrated by the 24 hour availability of our group division staff to meet directly with our clients and their employees. Our engagement team will work with the client and employee directly to assist with inquiries. McKinley Insurance Services is a firm believer in education at all levels. Our philosophy in this area is that the better educated our clients and their employees are about their benefits, the easier it is to work with them in ensuring the best possible decisions are made on their behalf. We spend a significant amount of time with our clients to provide education to employees including managerial, non - managerial and all family members as well. We accomplish this by using several resource mediums which include face -to -face meetings, conference calls, wellness fairs, "Lunch and Learns" sessions, newsletters, one -to -one conferences, carrier focused meetings, topic- focused meetings and others specific to the clients' request. McKinley is regularly in contact with the carriers that provide benefits and services to our clients. When needed, we arrange carrier availability for onsite educational meetings and /or question and answer support. McKinley will set timelines and ensure that these timelines are met by the carriers. Submitted by: McKinley Insurance Services, Inc. [5j City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services McKinley Insurance Services believes that as agent of record we positively impact and promote client employee benefits package. This is achieved by building a professional working relationship with the client and the employees. We believe it is necessary to: • Provide unparalleled support to the Human Resources Department and Management Staff. • Ensure employee education, awareness and ease of access • Provide Legislative information to assist you with compliance of Federal and State regulatory requirements • Be available and responsive • Be proactive • Be knowledgeable Be there when you need us 21. What is the total number of employees assigned to employees' benefits counseling? 9 22. What is your corporate mission, vision and values, as well as your organization's philosophy towards providing benefits consulting services? Our Mission - McKinley Insurance Services' mission is to provide the highest level of quality service and products based on a continuous assessment of the changing economic situation and the needs of our clients. Our Vision is to be the most sought after agency for our products, expertise and service. Our Values — Service to our clients with knowledge, fervency and integrity. Making positive impact on the community in which we live, work and play. 23. Discuss your firm's quality assurance policies and procedures. How do you measure whether you are meeting these standards? What is the frequency of any such review? McKinley Insurance Services uses the highest of quality assurance practices. We have a check and balance system by which we review all communication and conduct contract review. The head of Research and Development takes the lead to ensure quality assurance is achieved. We filter all communication through industry, carrier and legislative proofing before it is finalized and released to our clients. 24. Detail your ability to monitor regulatory and legislative developments at both the state and federal level and how this will communicated to the City. McKinley Insurance Services has a dedicated individual that consistently reviews both Federal and State legislation to determine implications to our clients and their employee benefits portfolio. In addition to our consistent review, several staff members are members of organizations that also provide information on these important regulations. It is our practice to communicate on three levels, to our general client population, our specific client population that will be directly impacted and to employees. We will send a general newsletter and/or customer alert to advise our clients and call those that will be specifically impacted to see if a meeting is required for further discussion. When communicating to the employees' we will take the lead from the employer to determine if the employee newsletter will be sufficient or if the employer desires to set up educational sessions. Submitted by: McKinley Insurance Services, Inc. [6] City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services 25. List all claims, arbitrations, administrative hearings and lawsuits brought by or against the Proposer or its predecessor organizations(s) during the last (5) years. The list shall include all case names; case, arbitration or hearing identification numbers; the name of the project over which the dispute arose; and a description of the subject matter of the dispute. McKinley Insurance Services, its principals, officers or predecessor organization(s) does not have any claims, arbitrations, administrative hearings and lawsuits brought by or against the Proposer or its predecessor organizations(s) during the last (5) years. 26. Describe all proceedings concerning business related offenses in which the Proposer, its principals or officers or predecessor organization(s) were defendants. McKinley Insurance Services, its principals, officers or predecessor organization(s) does not have any criminal proceedings or hearings concerning business related offenses at the time of the submission of this proposal. 27. Has the Proposer, its principals, officers or predecessor organization(s) been convicted of a Public Entity Crime, debarred or suspended from bidding by any government during the last five (5) years? If so, provide details. No. McKinley Insurance Services, Inc., its principals, officers or predecessor organization have never been convicted of a Public Entity Crime, debarred or suspended from bidding by any government during the last five (5) years. Submitted by: McKinley Insurance Services, Inc. [71 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services STATEMENT OF CAPABILITIES Upon being awarded the contract as Agent of Record for Employee Benefit Plans, McKinley will immediately request a meeting with management to discuss goals, budget parameters and needs. Prior to said meeting we request the following documents as they relate to the current benefit platform: • Current Census to include — date of birth, gender, zip code and coverage type for each product, salary, hire date • Copy of current plan benefit summaries • Premium Rates - current and renewal (if available) • Contributions — Employer and Employee • Carrier Contact Information We will then assess your current employee welfare benefit expenditure and project an anticipated expenditure to determine opportunities to reduce cost without sacrificing service. This data will be presented at the initial meeting. We would then couple the processed data with the information gathered at the initial meeting. The information will result in a custom working strategy to achieve the City of South Miami goal of providing affordable, comprehensive coverage to employees while meeting your budgetary parameters. From the discussion, we will also determine if negotiating with the enforce carrier(s would yield the required results) or if any products need to be marketed for better leverage. If any of the products require marketing, McKinley Insurance Services would develop a timeline with specific dates according to your plan year anniversary. One outlined below is a sample timeline that we would modify accordingly: Sample Timeline Activity Timeframe Complete an evaluation of current benefits At inception of contract Strategy Planning with Staff First month of contract award Post/Release Formal RFP for Insurances Within 90 Days of Anniversary RFP's Due back for review Within 60 Days of Anniversary Recommendations Due Within 10 Days of RFP Due Date Implementation / Enrollment Minimum 15 days prior to Effective Date Effective Date Post Implementation Follow up Within 30 Days of Effective Date Submitted by: McKinley Insurance Services, Inc. [8] City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services Detail of services that will be provided: McKinley Insurance Services will provide the following applicable services: • Review workforce needs and trends to develop a benefits Annually Included program that supports the overall business objectives„ • Compare current benefits program to national and peer group Annually Included benchmarks • Conduct situation analysis and establish a process to: • Contain and /or reduce current cost trends • Optimize vendor and network performance • Improve the health and productivity of the workforce • Increase provider quality and improve clinical outcomes • Identify short and long term benefit plan objectives Quarterly Included • Determine those benefit programs that are necessary to recruit and retain talent • Create an equitable and competitive employee /employer cost sharing structure • Enhance employee appreciation and satisfaction of _ benefit programs • Perform financial modeling identify the implications to Annually Included administration and communications Meet with Senior Executives and Human Resources staff to (�• review plan performance, discuss recommendations and to Quarterly Included implement strategy a �.�...sS,.e 1., �t.�; t ' °�ic9s?a'�a..�,.t'�'*�u w, a .Sol- _ �..�. u.��`ai-,. • Request and coordinate renewal activities with all vendors a�...,.. -. o Medical o Prescription Drug • Dental o Vision Annually Included • Life and AD &D • Disability • FSA/COBRA • Elective Benefits • Quantify financial impact of renewal and negotiate Annually Included • If necessary, market benefit programs (RFP) to mutually agreed upon vendors • Draft RFP with requested bid specifications Annually Included • Coordinate RFP release to market (as needed) o Respond to carrier questions and data requests o Negotiate best and final offers • Prepare and present a detailed marketing and renewal report including: Annually Included o Total and itemized costs (as needed) o Rate guarantees Submitted by: McKinley Insurance Services, Inc. 191 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services • Objective and actuarially -valid network discount analysis • Provider disruption analysis • Service capabilities • Performance guarantees (if applicable) • Benefit designs and variances • Carrier financial ratings o Full disclosure of proposals and compensation prior to binding • Prepare final marketing report • Arrange for and conduct finalist meetings •y Conduct vendor site visits As Needed Included • Conduct pre- implementation review for new medical vendors As needed Included • Manage implementation process • Review and negotiate final agreements and contracts to ensure they conform to bid specifications • Review all vendor provided employee communications, SPDs and benefit booklets • Coordinate the administrative set -up between the Annually employer and vendors for reporting, billing, and data (as needed) Included (i transfers • Assist with the completion and review of all required applications and other documents as needed to bind coverage o Manage a post implementation debriefing with vendors to discuss performance and needed areas for Improvement �• Prepare and submit Executive Summary of final decisions Annually Included Jl Submitted by: McKinley Insurance Services, Inc. [10) City of South Miami Request for Proposal # SM-2011-08-HR Insurance Brokerage Services -10 W M, JUMAIWIMM =-I 'T IONA 70 Develop budget projection • Calculate pre-renewal projection Calculate pr • Review contract, deductible levels and attachment points for Annually adequacy • Develop employee contributions (as needed) Included • Evaluate alternative funding options • Plan design modeling • Financial reporting package • Claims utilization(segregated by medical and pharmacy) • Enrollment • Actual plan expenses compared to budget Quarterly Included • High claimant activity report including age, gender, relation, diagnosis, paid claims amount and plan option elected • Historical cost trend analysis • Discuss with client Medical/Rx utilization management report detailing cost drivers by: • Type of service • Service setting • Diagnostic category Quarterly Included • Network utilization • Utilization review effectiveness • Drug utilization -g • Facilitate service meetings with vendors to address issues/problems and measure results against performance Quarterly Included standards • Provide daily assistance in resolving vendor service issues • Claims • Billing Ongoing Included • Eligibility Coverage appeals —0 • Meet as needed to review/discuss points of interest that impact employee benefits (financials, plan designs, trends, Ongoing Included legislative implications) • Review vendor proposed updates to contracts, SPDs and benefit summaries for accurate terms, plan requirements and Ongoing Included plan design • Coordinate benefit decisions and plan details with vendor(s) • Plan design decisions Ongoing Included • Facilitate Teetings/conference_calls between vendors • Develop and manage implementation schedule for any plan Ongoing Included changes and/or service chances • Manage vendor participation in annual enrollment process Annually Included Based on data availability Submitted by: McKinley Insurance Services, Inc, City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services Value Added Service Online Enrollment McKinley Insurance Services uses current technology to manage our client accounts. We have three systems that are designed to save the employer and employee both time and money: • Online Enrollment • Reverse Auction and • Online Prescriptions Discount Program Our online enrollment system allows each party (employee, employer and agent) access to pertinent benefit information. Our system allows the employee to enroll, view and research offered benefits with in specified parameters set by the employer. The employer has the ability to track enrollment, view and approve changes, set usage capabilities and pull various reports. This technology place the client in the driver's seat while ensuring the employee is able to retrieve information to make the best use of their benefit offering. This system also is environmentally responsible because it reduces the use of paper. It also assists the employer with Submitted by: McKinley Insurance Services, Inc. [121 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services storage issues because employee benefit information can be contained in the virtual realm. Our online system provides the client with the necessary capabilities to successfully manage employee benefits: • Seamless integrated enrollment process Direct Feed to carriers Integrate with payroll system for accurate deductions • Multi- service system All Plan Options Available (Medical, Dental, Vision, Life, Disability, etc.) Simultaneously manages (New Hire, Life Status Changes and Open Enrollment Changes • Track employee plan election o Employees may save incomplete data and return later at same point Employers may check where an employee is in the process • Automatic benefit confirmation statement Upon completion employee will receive verification of choices and costs • Employee status notification to employer • Embedded Fail Safes Employees only allowed to enroll in plans they are eligible Employer final approval Reverse Auction One of the ways to influence cost is through live competition. Our Reverse Auction services allows Life, Disability (STD, LTD) carriers to competitively bid for your business through a real -time online process by which the carrier, agent and client are able to see the results of each proposing carrier's offer while they compete to provide the best rates and service. The system will rank each carrier on the predetermined key factors. Their ranking position will be visible to all other carriers participating in the auction. This is managed through the formal bid process. The bids are submitted and evaluated online. The key factors are weighted. The results are ranked and top proposers are invited to participate in real -time auction. Online Prescription Drulas McKinley Insurance Services has an exclusive agreement with Health Warehouse that provide an additional prescription option to our clients. This unique arrangement extends potential saving on various prescriptions. The site offers: • 300 Prescription Drugs for $3.50 • Lower cost on some medications • Consumer Alternative • Customer Service Assistance Submitted by: McKinley Insurance Services, Inc. [131 City of South Miami Request for Proposal # SM- 2011 -08 -HR METHODOLOGY Compliance Insurance Brokerage Services McKinley Insurance Services provide compliance assistance by staying abreast on the latest legislative and health care industry data. We provide regular communication to both the client and employees. This approach ensures that all are aware and informed of regulations that affect their benefits and ultimately their health. Communication McKinley Insurance Services provides our clients and their employees' communication in various mediums. We provide a quarterly newsletter, letters and bulletins regarding health care, benefit and legislative awareness. Using the medium of wellness seminars we bring to the client worksite various subject experts. The subject experts provide educational sessions and often screening to promote employee awareness and participation. Services have included Heart Health and Angio- Screening education, vision health and screening, flu shots onsite, biometric screenings onsite. Comm itment /Avai lability McKinley Insurance Services is committed to providing unsurpassed service, knowledge and expertise to its client and their employees. In addition to being available during normal working hours, McKinley Insurance Services the assigned client service manager is available to clients 24 hours each day. We pride ourselves on providing client service to when its need not just when the office is open but when our clients need us most. An unusual example of commitment is when a McKinley Insurance Services staff member escorts an employee to the hospital during a health fair because of a dangerous screening result. Tools /Resources McKinley Insurance Services uses the latest technology and research data available to assist our clients with administering their employee benefits portfolio. Submitted by: McKinley Insurance Services, Inc. [15] City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services PROJECT MANAGEMENT Below lists the members that will assigned to the City of South Miami account. All are staff members and work in our corporate headquarters located at 545 North Andrews Avenue, Fort Lauderdale, Florida. Each team members is licensed through the State of Florida for Life, Health and Variable Annuities. Each member of the team is also well versed in municipal group benefit programs. Principal - Ralph W. Campbell, Executive President & CEO, has been with McKinley Insurance Services for eleven (11) years. Ralph received his B.A. from Morehouse College in Atlanta, GA. He has worked closely with the founder- owner Jim McKinley in securing governmental contracts that have resulted in long term partnerships. Ralph's expertise is in leadership and relationship building. As a testament to his capabilities, Ralph was recently named President and CEO of McKinley Insurance Services. His expertise, coupled with his in depth knowledge of insurance and public sector business, makes him a valuable resource. Ralph has direct experience with each of the McKinley Insurance public sector clients. In addition, Ralph serves on the board of many charitable and community groups in order to give back to the community and to help develop future leaders. Ralph currently oversees the overall company's book of business and each division's productivity. Function: Overall management of McKinley Insurance Services, Inc. Carlton B. Moore, Vice President Consulting, he was appointed Vice President of Consulting Services for McKinley Insurance Services, Inc in 1996. He is a licensed agent for 22 years. Consults on municipal /government benefits coordination (City of Miami Gardens, City of Riviera Beach, City of Oakland Park, and City of South Bay). Mr. Moore is a member of numerous community organizations and is also involved in economic development initiatives. Function: Provide operational insight of municipal entities. Project Manager - Carmen Miller, Vice President Client Services, has been with McKinley Insurance Services for nine (9) years. Carmen brings over 25 years of experience and expertise working with agencies such as the State of Florida, Broward County School Board, and Broward County Government while working on the carrier side of the insurance industry. Carmen continues to yield her knowledge and experience with those same agencies today. Carmen Miller will be the lead contact. In her current role, she manages the day to day activities of our Group Benefits Department. Carmen supports and provides guidance to the McKinley Insurance Group Benefits staff while managing the day to day agent relations of some of our most prestigious clients such as the Orange County Government, Orange County Public Schools, City of Oakland Park, Riviera Beach and City of Hollywood to name a few. While she is not assigned to all of the governmental accounts, Carmen is aware of the complexity of these accounts and ensures that each account receives the service that they require. Her extensive experience in the area of municipal clientele affords her insight as to the dynamics that shape this business segment. Submitted by: McKinley Insurance Services, Inc. [161 City of South Miami Request for Proposal # SM- 2011 -08 -HR Carmen manages all aspects of client management: Insurance Brokerage Services • Customized Service Plan - design a service plan to enhance your Human Resources efforts in educating and servicing your employees. • 24 -Hour Service Access - dedicated contact to provide you with 24 hour access to service. • Carrier Liaison — work with you and your insurance carrier representatives to ensure service expectations is being met. • Formal Bid Preparation /Evaluation — facilitate bid process and evaluate responses. • Online Enrollment Services — coordinate online enrollment services. • New Hire Orientation - provide New Hire Orientation service by which we will conduct and /or assist the employee benefits portion of the meeting on an as needed basis. • Open Enrollment Assistance — assist with and /or coordinate your open enrollment meetings. • Semi - Annual Health Fairs - assist with and /or coordinate your semi - annual health fairs. • Client Status Review — meet with your management staff to discuss the status of how the group is performing in preparation for renewal Function: Account Oversight, Coordinate Implementation and Execute Service Plan, RFPs, Day to Day Account Management Client Contract Challenges Contract Start I End Objective /Accomplishments Date City of Parkland Provide client and employees Ensuring that all 8/2008 - Current with the quality service. Keep employees have an renewals within budgetary understanding of benefits parameters. Provide more being provided value added services that regardless of language empowers the employees' barriers well- being. City of Riviera Beach Provide client and employees Raising wellness/ health 10/2007 - Current with quality service. Keep awareness to change renewals within budgetary value placed on health parameters. Provide more care value added services that empowers the employees' well-being. Reduce overall cost to City year over year with minimal impact to employees City of Oakland Park Consistently provide quality Assisting management 10/1999- Current service to client and with maintaining a employees gaining their balance between union respect and trust and non -union requirements Submitted by: McKinley Insurance Services, Inc. [171 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services City of South Bay Consistently provide quality Assuring the client of 10/2007 - Current service to client and their ability to provide employees gaining their comprehensive products respect and trust and service although they are locate in a significantly rural area Girl Scouts Tropical Provide never before offered Establishing our service 9/1/2010 services and value -added and available products as programs to the client and a new agent employees Submitted by: McKinley Insurance Services, Inc. [181 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services Support Team Matt Anthony, Senior Consultant, has been with McKinley Insurance Services for a combined eight (8) years. In his role, he has been and is instrumental in the strategic planning and execution of business development and industry trend. Matt spearheads the research and development efforts that help McKinley to keep our clients informed of significant industry and legislative changes and updates. Function: Data Research and Analysis Marcia Sherry, Senior Account Executive, has recently returned to McKinley where she was employed for six years prior. Marcia has over twenty years of experience in the insurance industry. She has worked twelve (12) years on the carrier side of the business and eight years on the consultant /broker side. Marcia is directly responsible for the Account Management of several of our clients. Marcia has extensive experience in managing every aspect of small and large group account management. Function: Overall day -to -day Account Management Submitted by: McKinley Insurance Services, Inc. [19] City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services RELATED EXPERIENCE Client Contract Objective/ Challenges Contract Accomplishments Start I End Date City Oakland Park Provide consulting, analytical Maintaining equitable balance 10/1999 - Present 3650 NE 12" Avenue and industry between benefit cost and Oakland Park d Park, FL 33334 knowledge /expertise services impact of cost and service on that assist them in managing the employees. employee benefits their Assisting the client in providing Agent of Record rd acceptable benefits /costs compromises between union and non -union City of Parkland Provide consulting, analytical Maintaining equitable balance 8/2008 - Present 6600 University Blvd and industry between benefit cost and Parkland, FL 33067 knowledge /expertise services impact of cost and service on 954- 757 -4130 that assist them in managing the employees. employee benefits their Ensuring language barriers Agent of Record rd are removed to assist non - English speaking employees City of Riviera Beach Provide consulting, analytical Maintaining equitable balance 10/2005 — Present 600 Blue Heron Blvd and industry between benefit cost and Riviera Beach, FL 33404 knowledge /expertise services impact of cost and service on 561- 840 -4810 that assist them in managing the employees. employee benefits as their Assisting the client in providing Agent of Record acceptable benefits /costs compromises between union and non -union City of South Bay Provide consulting, analytical Maintaining equitable balance 10/2007 - Present City of South Bay and industry between benefit cost and 335 SW 2nd Street knowledge /expertise services impact of cost and service on South Bay, FL 33430 that assist them in managing the employees. 561- 996 -6751 employee benefits as their Agent of Record Ensuring adequate provider accessibility from selected carriers Employment Resources Provide consulting, analytical Procure benefit options for a 8050 N University Dr # 206 iv rsity and industry multisite transient workforce Tamarac, knowledge /expertise services while keeping cost and 954 - 597 -7700 that assist them in managing services equitable. employee benefits as their Agent of Record Minority Development Provide consulting, analytical Procure benefit options for a 08/2005 — Present Empowerment Inc. and industry multisite workforce while Avenue, 5225 NW 33rd Avenue, knowledge /expertise services keeping cost and services Bldg. #5, Suite 5225 that assist them in managing equitable. Fort Lauderdale, FL 33309 employee benefits their Agent of Record Submitted by: McKinley Insurance Services, Inc. [201 NON - COLLUSION AFFIDAVIT Insurance Brokerage Services STATE OF FLORIDA ) COUNTY OF MIAMI -DADE ) Ralph Campbell being first duly sworn, deposes and states that: (1) He /She /They is /are the President & CEO (Owner, Partner, Officer, Representative or Agent) Of McKinley Insurance Services, Inc. the PROPOSER that has submitted the attached BID; (2) He /She /They is /are fully informed with respect to the preparation and contents of the attached BID and of all pertinent circumstances concerning such BID; (3) Such BID is genuine and is not a collusive or sham BID; (4) Neither the said PROPOSER nor any of its officers, partners, owners, agents, representatives, employees or parties in interest, including this affiant, have in any way colluded, conspired, connived or agreed, directly or indirectly, with any other PROPOSER, firm, or person to submit a collusive or sham BID in connection with the Work for which the attached BID has been submitted; or to refrain from PROPOSING in connection with such Work; or have in any manner, directly or indirectly, sought by agreement or collusion, or communication, or conference with any PROPOSER, firm, or person to fix any overhead, profit, or cost elements of the BID or of any other PROPOSER, or to fix any overhead, profit, or cost elements of the BID Price or the BID Price of any other PROPOSER, or to secure through any collusion, conspiracy, connivance, or unlawful agreement any advantage against (Recipient), or any person interested in the proposed Work; (5) The price or prices quoted in the attached BID are fair and proper and are not tainted by any collusion, conspiracy, connivance, or unlawful agreement on the part of the PROPOSER or any other of its agents, representatives, owners, employees or parties of interest, including this affiiant. Signed, sealed and delivered in the presence of 2 ASia eCAM BELL, PRESIDENT & CEO Print Name and Title before me this 7th day of July 2011 Sa /1 Notary Public ignature) kOpgB My Commission Expires: 1 11:51 3 .x 8231 : F Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 20 of 25 27. Has the Proposer, its principals, officers or predecessor organization(s) been CONVICTED of a Public Entity Crime, debarred or suspended from bidding by any government during the last five (5) years? If so, provide details. No. McKinley Insurance Services Inc it's principals officers or predecessor organization have never been convicted of a Public Entity Crime, debarred or suspended from bidding by any government during the last five(5) years. The PROPOSER acknowledges and understands that the information contained in response to this Qualification Statement shall be relied upon by CITY in awarding the contract and such information is warranted by PROPOSER to be true. The discovery of any omission or misstatement that materially affects the PROPOSER'S qualifications to perform under the contract shall cause the CITY to reject the Bid, and if after the award, to cancel and terminate the award and /or contract. VERIFICATION PURSUANT TO SECTION 92.525(2), FLORIDA STATUTES Under penalties of perjury, I declare that I have read the foregoing Response to Qualification Statement and that the facts stated in it are true. DATED this 7th day of July , 201 1. McKinley Insurance Services, Inc. 4Na, of r poser) Byame on Line Above) Ralph Campbell (On Line Above, Print or Type Name of Person Signing) FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011-09 -HR Page 19 of 25 City of South Miami Request for Proposal # SM- 2011 -08 -HR Insurance Brokerage Services COST PROPOSAL The City of South Miami will not receive any additional charges from McKinley Insurance Services on a monthly /quarterly /annual basis. We are compensated via carrier paid commissions based on Florida Statute 624.428, which declares that carriers must pay agents reasonable commissions for providing these services. Our compensation medium adds $0 to your budget. See "Fee Base Proposal' in Tab # 2 which lists all included services provided. Submitted by: McKinley Insurance Services, Inc. [231 SIGNATURE PAGE Insurance Brokerage Services The undersigned attests to his (her, their) authority to submit this Submittal and to bind the firm(s) herein named to perform as per agreement. Further, by signature, the undersigned attests to the following: I. The Proposer is financially solvent and sufficiently experienced and competent to perform all of the work required of the Proposer in the Contract; 2. The facts stated in the Proposer's response pursuant to Request for Proposal, instructions to Proposer and Specifications are true and correct in all respects; 3. The Proposer has read and complied with, and submits its proposal agreeing to all of the requirements, terms and conditions as set forth in the Request for Proposals. 4. The Proposer warrants all materials supplied by it are delivered to the CITY of South Miami, Florida, free from any security interest, and other lien, and that the Proposer is a lawful owner having the right to supply the same and will defend the conveyance to the CITY of South Miami, Florida, against all persons claiming the whole or any part thereof. S. Proposer understands that if a team is short listed and selected to make oral presentations to the selection committee and /or CITY, only the team members who were involved in the preparation of the written submissions may participate in the oral presentations. Any changes to the team at the oral presentations may, at the sole discretion of the City, result in that Proposer's Bid disqualification. 6. The undersigned certifies that if the firm is selected by the City the firm will negotiate in good faith to establish a Contract. 7. Proposer understands that all information listed above may be verified by the City of South Miami and Proposer authorizes all entities or persons listed above to answer any and all questions. Proposer hereby indemnifies the City of South Miami and the persons and entitles listed above and holds them harmless from any claim arising from such investigation and verification process, including the dissemination of information pursuant thereto. Submitted on this 7th day of July 2011 (If an individual, partnership, or non - incorporated organization) 1.1A AI Witness: Printed: Marcia Sherry Title: Senior Company: c nley n prance Services, Inc. Print Name, Tittle: Ralph ampbell, President & CEO (If a corporation, affix se §)' , Company: M 'nley In prance Services, z By; Inc. Attested by Secretary,. ' f' Print Name, Title: Ralph mpbell President & CEO Incorporated under t;e laws of the State of Florida FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -FIR Page 21 of 25 CERTIFICATION OF AUTHORITY [To be compleled and signed by a legal entity only. This Certification is not applicable to an individual Proposer] Insurance Brokerage Services STATE OF FLORIDA COUNTY OF MIAMI -DADE g Corporation or LLC Partnership 11 LLP 11 Joint Venture 11 I HEREBY CERTIFY that a meeting of the (include DBA -Doing Business As, if applicable) Board of Directors, Partners, and /or Principals of the following entity Services, Inc. an organization existing under the laws of the State of Florida , was held on June 30th 20 11 and the following resolution was duly passed and adopted: "RESOLVED, that, Ralph Campbell as President & CEO organization, be of the ana is nereby authorized to execute the Proposal dated, 7th day of ''uly 20 11 , to the City of South Miami and this organization and that my execution thereof, attested by a Notary Public of the State, shall be the official, act and deed of this attestation" I further certify that said resolution is now in full force and effect. IN WITNESS WHEREOF, I have hereunto set my hand and affixed the official seal of the corporation this, 7th day of July 20 11 Print Name Ralph Campbell Signature NOTARY PUBLIC: SEAL MDDg082,?t c'sa. No6jy Signature /Personally Personally known to me, or Personal identification: Type of Identification Produced FAILURE TO COMPLETE, SIGN. & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM -201 1 -09 -HR Page 22 of 25 REFERENCES Insurance Brokerage Services Please list three (3) governmental agency, or comparable corporate client, contract references for which you have done business within the past three (3) years: Agency Name: City of Riviera Beach Address: 600 Blue Heron Blvd. City, State & Zip Code: Riviera Beach, Florida 33404 Contacts Name: Marie Sullin Telephone Number: 561- 840 -4810 Agency Name: City of Parkland Address: 6600 University Blvd. City, State & Zip Code: Parkland, Florida 33067 Contacts Name: Ann Marie Battaglia Telephone Number: 954- 757 -4130 Agency Name: City of South Bay Address: 335 SW 2nd Street City, State & Zip Code: South Bay, Florida 33430 Contact's Name: Victoria Del Vazquez Telephone Number: 561- 996 -6751 Attach additional sheets if necessary. FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 23 of 25 t RFP INFORMATION FORM Insurance Brokerage Services I certify that any and all information contained in this RFP is true;' and I further certify 'that this RFP is made without prior understanding, agreement, or connections with any corporation, firm or person submitting a RFP for the same materials, supplies, equipment, or services and is in all respects fair and without collusion or fraud. I agree to abide by all terms and conditions of the RFP, and if the Proposer is a legal entity, I certify that I am authorized to sign for the Proposer. Please print the following and sign your name where indicated below: Firm's Name: McKinley Insurance Services, Inc. Principal Business Address: 545 North Andrews Avenue Fort Lauderdale, Florida 33301 Telephone: 954- 938 -2685 Fax: 954- 938 -2695 E -mail address: rcampbell Name RALPH CAMPBELL Title: PRESIDENT & CEO Signature of Authorized Representative: p@ mckinleyinsurance.com FAILURE TO COMPLETE. SIGN. & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 24 of 25 NO CONFLICT OF INTEREST CERTIFICATION Insurance Brokerage Services The undersigned, as Bidder /Proposer, declares that the only persons interested in this RFP are named herein; that no other person has any interest in this RFP or in the Contract to which this RFP pertains; that this response is made without connection or arrangement with any other person; and that this response is in every respect fair and made in good faith, without collusion or fraud. The Bidder /Proposer agrees that if this response /submission is accepted, to execute an appropriate CITY document for the purpose of establishing a formal contractual relationship between the Bidder /Proposer and the CITY, for the performance of all requirements to which the response /submission pertains. The Bidder /Proposer states that this response is based upon the documents identified by the following number: Bid /RFP No. SM- 2011 -08 -HR The full -names and residences of persons and firms interested in the foregoing bid /proposal, as principals, are as follows: Name McKin ey IAsurance Svc Street Address n yews e Ft. Lauderdale Florida 33301 The Bidder /Proposer further certifies that this response /submission complies with Chapter 8(a) of the Code of Ordinance, City of South Miami, Florida, that, to the best of its knowledge and belief, no Commissioner, Mayor, or other officer or employee of the CITY has an interest directly or indirectly in the profits or emoluments of the Contract, job, work or service to which the response /submission pertains. Signed, sealed and delivered in the presence of: go _&o - Si n'3Yure I — g RALPH CAMPBELL, PRESIDENT & CEO Print Name and Title My Commission Expires: -71,5113 Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 25 of 25 CONE OF SILENCE AFFIDAVIT _Insurance Brokerage Services The "Cone of Silence" specifically prohibits communication regarding RFP "S (bids) or any solicitation with the City of South Miami staff except by written means, with copy filed with the City Cleric. This talces effect upon advertisement for Request for Proposal and terminates when the City Manager makes his recommendation to the City Commission for the award. An exception is made for oral communication during pre - proposal conferences. In addition to any other penalties provided by law, violation of the Cone of Silence shall render any proposal disqualified. CITY OF SOUTH MIAMI DISCLOSURE AFFIDAVIT RALPH CAMPBELL being first duly sworn, state: The full legal name and business address* of the person or entity contracting or transacting business with the City of South Miami are: Insurance Services, Inc. 545 North Andrews Avenue, Fort Lauderdale, Florida 33301 If the contract or business transaction is with a corporation, the full legal name and business address* shall be provided for each officer and director and each stockholder who holds directly or indirectly five percent (5%) or more of the stock in the corporation. If the contract or business transaction is with a partnership, the full legal name and business address* shall be provided for each partner. If the contract or business transaction is with a trust, the full legal name and address* shall be provided for each trustee and each beneficiary.. If the contract or business transaction is with an LLP or LLC, the full legal name and address* shall be provided for each member of the LLP or LLC. All such names and addresses are: NA The full legal names and business address* of any other individual (other) than subcontractors, material men, suppliers, laborers, or lenders who have, or will have, any interest (legal, equitable, beneficial or otherwise) in the contract or business transaction with the City of South Miami are: NA Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 26 of 25 Notary Public Signed, sealed and delivered in the presence of Subscribed and sworn to before me this -4 �o1`I 15 ?oiyr'° WDD 908231 s By: Signature Ralph Campbell President & CEO Print Name and Title 7th day of July 20 11 otary Public ignature) My Commission Expires: I S 13 Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 27 of 25 Exhibit WOOMMIalm, The City of South Miami, Florida, hereinafter referred to as "City ", will receive sealed proposals. The submittal, consisting of one (1) original unbound proposal, ten (10) additional copies and one (1) digital CD copy to the Office of the City Clerk, South Miami City Hall, 6130 Sunset Drive, South Miami, Florida 33143, for furnishing the services described below: • III IRK11.00111 Sealed Proposals must be received by the Office of the City Clerk, either by mail or hand delivery, no later than 10:00 A.M. local time on Friday, July 8, 2011, A public opening will take place at 10:00 A.M, in the City Commission Chambers located at City Hall on the same date. Any Proposals received after 10:00 A.M. local time on said date will not be accepted under any circumstances. Any uncertainty regarding the time a Proposal is received will be resolved against the Bidders. Proposals are subject to the attached Standard Terms and Conditions contained in the complete bid package. Interested Bidders who wish to bid on this RFP can obtain the complete bid package on the City's website at www.southmiamiflzovt index.oha?src= gendocs& ref= BidPosting20l0 &category =RFPs -and -Bids or City Clerks office Monday through Friday from 9:00 A.M. to 4:00 P.M. upon the payment of 20 dollars (U.S.) to the City of South Miami. This fee is non - refundable The City reserves the right to reject any or all Proposals, to waive any informalities or irregularities in any Proposals received, to re- advertise for Proposals, to award in whole or in part to one or more Bidders, or take any other such actions that may be deemed to be in the best interests of the City. Maria M. Menendez South Miami City Clerk TABLE OF CONTENTS OVERVIEWOF PROJECT ........................................................................................... ..............................1 SCOPEOF SERVICES .................................................................................................. ..............................2 GENERAL CONDITIONS ............................................................................................ ..............................5 SUBMISSIONREQUIREMENTS ................................................................................ .............................11 EVALUATION AND SELECTION OF RESPONDENT ........................................... .............................13 PROPOSER'S QUALIFICATION STATEMENT ....................................................... .............................14 NON - COLLUSION AFFIDAVIT ................................................................................ .............................20 SIGNATUREPAGE ..................................................................................................... .............................21 CERTIFICATION OF AUTHORITY .......................................................................... .............................22 REFERENCES............................................................................................................... .............................23 RFPINFORMATION FORM ....................................................................................... .............................24 NO CONFLICT OF INTEREST CERTIFICATION ................................................... .............................25 CONEOF SILENCE AFFIDAVIT ............................................................................... .............................26 OVERVIEW OF PRO SCOPE AND PURPOSE: The City of South Miami is seeking sealed proposals from qualified firms to establish a contract (hereinafter referred to as the "Contract ") to provide insurance brokerage services for the city's employee benefits plan. MINIMUM QUALIFICATIONS: To be eligible to respond to this RFP, the Respondent(s) must demonstrate that their experience includes successfully performing services substantially similar to the services in the Scope of Services section of this REP. All respondents must be licensed to do business under the laws of the state of Florida and must have provided insurance brokerage services to a minimum of three (3) governmental agencies, or corporate clients of comparable size to the City of South Miami, during the five (5) year period immediately proceeding the submission date. PROPOSAL DUE DATES: Complete proposals are due on Friday, July 8, 2011. Proposals must be received in the Office of the City Clerk by the date and time indicated. Proposal opening follows immediately after closing of proposal submission deadline at the City of South Miami, 6130 Sunset Drive South Miami, FL 33143. Closing Date: Frida , Jul 8, 2011, 10 A.M. Evaluation Date: Wednesda ,Jul 13, 2011 Commission Meeting: Tuesday, Jul 19, 2011 SUBMISSION: In order to facilitate review of the proposals, each proposer must submit one (1) original unbound proposal, ten (10) additional copies and one (1) digital CD copy of the RFP response in a sealed envelope on or before the submission deadline indicated herein. Proposals must be addressed and delivered to: RFP #: SM -201 1 -08 -HR City Clerk Office South Miami City Hall 6130 Sunset Drive South Miami, FL 33143 CORRESPONDENCES: Questions concerning this RFP should be directed to: Maria M. Menendez South Miami City Clerk Fax: 305-663-6348 m menendesouthmia rnifhgay END OF THIS SECTION Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 1 of 25 SCOPE OF SERVICES Insurance Brokerage Services Proposers are required to read and understand all information contained within the entire proposal package, By responding to this RFP, the proposer thereby acknowledges that he or she has read and understands these documents. SCOPE OF �ERVICLES The City vof South Miami seeks the set-vices of qualified firms to provide Insurance Brokerage Services for the City's Employee Benefit Plans, The City of South Miami has approximately 142 employees and retirees participating in the hen,finplan. All employees are located it) Florida and retirees may he elsewhere. The City's plan year is October i'' through September 30' The benefit plans include the following. but b not limited to: . Health Insurance ° Dental Insurance * Life Insurance • Long Term Disability • Short Tern) Disability • Group Life and AD&Q • Insurance Supplements • Vision This section outlines the minimum services that the City receive from a qualified Consultant asa subject matter expert. Said Consultant shall assist in the design and implementation ufucomprehensive employee benefits program for fiscal year lA|land beyond. Expected deliverables include, but are not limited m: X Monitor the programs' operations throughout the year to ensure that benefit providers are meeting all customer set-vice requirements and standards. D� Provide on-gaing administrative support, as required, by acting as a liaison between the City and providers to assist with resolving claim disputes, contract administration and interpretations, and other issues� C� Provide dedicated personnel asaprimary contact for managing the account relationship with die City, D, Meet with the City's Human Resources Director throughout the year us reasonably pw<esor76eio/mmn is quarterly). � d 6 \0 d�| [, Coordinate onnudau8imwf0q/'s benefit plans and aonciurcveoo,so��aTmr+mon:u financial reports on the results o[ the completed plan year, E Prepare and deliver any necessary reports to the City's Human Resouries Director, including but not limited to, reports showing claims experience az intervals acceptable o` the Cuy� G. Provide advice and assistance in the review of the City employee health and medical be.nefits program on ucvnUwuing basax«w ensure that those plans are if) compliance with stnroffedexa{ requirements and their adequacy o/ benefits with respect rm other plans. R, Track, monitor and provide information on changes in, wr any pewdiaXor new Legislation it) the applicable ,state and Federal laws, as well as any employee benefit and funding trends that may affect the benefits program, nm the City's Hummn Resources 0h eccor. 1. Advise and assist the City as requested with! * Writing employee benefits plan modifications and/or new benefits plans and any required amendment ayprvvo|procoo; Insurance Brokerage Services REP No. 8M-20\\'0Y'8D Page 2of25 • Submission of written reports and other documents as required by the state and /or federal government; • Coordination of the annual employee wellness fair. • Development of an Employee Wellness Program. Perform special projects as requested by the City, including but not limited to: • Development and assistance in the implementation of new insurance plans; • Assistance with adjudication of specific claims as requested by the City; • Recommendation of alternative benefit designs or delivery systems as dictated by emerging plan costs for benefit practices. K. Ensure personnel availability for meetings, phone calls, and e-mail correspondence as required. L. Maintain confidentiality of City records and data in accordance applicable federal and state laws. M. Perform other related services on an "as- needed" basis. RENEWAL YEAR SERVICES: A. Using current health and medical benefit plans as benchmarks, research, design, and propose employee benefit plans for the City, as appropriate. B. Meet with the City as necessary to discuss benefit plan options and establish goals and objectives for the City's benefit programs. C. Provide analysis of current plans, including the review of past performance, with regard to renewal. D. Review additional available cost savings plan alternatives and creative funding options. E. Determine the appropriate employee and employer benefit contribution levels. F. Review and recommend annual contribution strategies for active participants and retirees. G. Provide City with information on what other municipalities of comparable size and location will be doing with their benefits in the upcoming years. H. Conduct renewal negotiations and develop appropriate information for management purposes. 1. Upon City's request, coordinate a comprehensive "Request for Proposal' (RFP) process to identify potential high quality Benefit vendors, according to established City guidelines. The scope of the RFP may include but not be limited to: Medical, Dental, Vision, Basic Life, Voluntary Life, Accidental Death and Dismemberment, Short Term and Long Term Disability insurance providers. J. Act as lead negotiator and consultant to the City during benefit contract negotiations and renewals. K. Prepare and present a written analytical report of the proposals received including recommendation(s) and supporting documentation for recommendations. L. Review plan documents (including employee booklets) and master contracts before adoption and printing. M. Assist with planning and implementation of selected changes including transition from the current to new vendors, the renewal proposal, and other benefit changes. N. Assist with developing City employee benefit program communication materials. Coordinate the design, printing, and production of those materials, as edited and approved by the Human Resources Director. O. Advise and assist the Human Resources Director or designee with the review of contracts, plan documents, insurance policies and other documents for applicability, accuracy, consistency, and legal compliance. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 3 of 25 P. Assist City with the development of performance guarantees relating to vendors' performance of services to the City, and evaluation of the performance of vendors. COMPENSATION: Compensation for all services provided shall be on a Nat fee basis from the City. Throughout the duration of the agreement, the successful Proposer shall provide an annual statement from each carrier giving full disclosure of compensation earned. Annual disclosure of all direct or indirect earnings shall be provided prior to March 15 of each year of the agreement TERM OF CONTRACT The initial Contract shall be for a period of three (3) years with an opportunity for the City to extend the Contract for one (1) additional two (2) year period at the same terms, conditions and prices upon mutual agreement of both parties. The Proposer agrees to this condition by signing its proposal. If Proposer cannot renew its initial terms, conditions and prices, Proposer must notify City on /or before 90 days prior to Contract expiration. REQUESTS FOR ADDITIONAL INFORMATION OR QUESTIONS Any requests for additional information or clarification should be submitted in writing by 10:00 A.M. local time on Friday. July 1 e 201 1 to the attention of South Miami City Clerk at mmjqrMndlcgA@soutbmiarqif1.gov or via facsimile at (305) 663 -6348. The issuance of a written addendum is the only official method whereby interpretation and /or clarification of information can be :given. It shall be the responsibility of each Proposer, prior to submitting the proposal, to contact the Clerk's Office to determine if addenda were issued and to acknowledge such addenda in the Proposal. If any addenda are issued to this request for proposal, the City will notify all prospective firms via the City's website. The Proposer shall be responsible for checking the website before submitting its sealed bid and modifying its bid accordingly. END OF THIS SECTION Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 4 of 25 GENERAL CONDITIONS Insurance Brokerage Services Proposers are required to read and understand all information contained within the entire proposal package. By responding to this RFP, the proposer acknowledges that it has read and understands these documents. SUBMITTION OF REQUEST FOR PROPOSALS (RFP) One (1) original unbound proposal, ten (10) additional copies and one (I) digital CD copy must be submitted to the City Clerk Office in a sealed envelope clearly marked with the following: RFP Title: Insurance Brokerage Services RFP No.: SM- 2011 -08 -HR Closing Date: Friday, July 8, 2011 Proposals forwarded whether by mail or personally delivered, must be received by the Office of City Clerk, on the date and time indicated in the RFP packet. The time indicated by the time clock in the City Clerk office is considered the official time of receipt. No faxed or email RFP responses will be accepted. Untimely submissions, or submissions delivered to another location, will not be accepted. RFP's shall be submitted in person or by mail to the following address: In Person/Courier/By Mail: South Miami City Hall Building ATTN: CITY CLERK OFFICE 6130 Sunset Drive South Miami, FL 33143 The opening of the proposals will take place in South Miami Commission Chambers, at the time and date state in this RFP. The City will not consider proposals received after the deadline. Any proposal so received after the scheduled closing time shall be returned to the Proposer, unopened. Any dispute over the timeliness of the submission will be resolved against the Proposer. Proposals may be sent by mail or delivered in person; however, if sent by mail, the responsibility for delivering a proposal to the City before the deadline is wholly upon the Proposer. ADDENDA CHANGES OR INTERPRETATIONS DURING BIDDING Only inquiries or requests for interpretation received five (5) or more days prior to the date fixed for the opening of the proposals will be given consideration. All such interpretations will be made in writing in the form of an addendum and posted on the City's website not later than the established proposal opening date. Each prospective proposer shall acknowledge receipt of such addenda by including its acknowledgment in its proposal. In case any proposer fails to include such addenda or addendum, his proposal will nevertheless be considered as though it had been received and acknowledged and the submission of his proposal will constitute acknowledgement of the receipt of same. All addenda are a part of the Contract documents and each proposer will be bound by such addenda, whether or not received by him. It is the responsibility of each prospective proposer to verify that it has received all addenda issued before proposals are opened. REFERENCES The Proposers must provide three (3) references from governmental agencies, or corporate clients of comparable size to the City of South Miami, for whom you provided insurance brokerage services during the five (5) year period immediately preceding the submission your bid. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 5 of 25 RULES REGULATIONS LAWS ORDINANCES & LICENSES The Proposer whose bid is accepted shall observe and obey all laws, ordinances, rules, and regulations of the federal, state, and local municipality, which may be applicable to the service being provided. The awarded firm shall have or be responsible for obtaining all necessary permits or licenses required in order to provide this service. RESERVES THE RIGHT The City anticipates awarding one or more contract(s) for services as a result of this Request for Proposals. The City, however, reserves the right to reject any and all submitted Proposals and to further define or limit the scope of the award. The City reserves the right to request additional information from Firms as deemed necessary. Notice is also given of the possibility that an award may be made without discussion or after limited negotiations. It is, therefore, important that all the parts of the Request for Proposals be completed in all respects. The City reserves the right to negotiate modifications to Proposals that it deems acceptable, reject any and all RFP in its sole discretion, and to waive minor irregularities in the procedures. CONTRACT CANCELLATION The resulting Contract may be canceled at any time by the City of South Miami for any reason, upon a thirty (30) day written cancellation notice. OWNERSHIP OF PRELIMINARY & FINAL RECORDS All preliminary and final documentation and records shall become and remain the sole property of the City. The awarded firm shall maintain original documents thereof for its records and for its future professional endeavors and provide legible reproducible copies to the City. In the event of termination of the agreement, the proposing firm shall cease work and deliver to the City all documents (including reports and all other data and material prepared or obtained by the awarded firm in connection with the work being performed), as well as all documents bearing the professional seal of the firm. The City shall, upon delivery of the aforesaid documents, pay the firm and the firm shall accept as full payment for its services there under, a sum of money equal to the percentage of the unpaid work done by the firm and accepted as satisfactory to the City. All brokerage fees being received from carriers or insurers for insurance or benefit plans obtained by the Proposer on behalf of the City for current business and for renewal business shall terminate. INDEMNIFICATION To the extent permitted by law (F.S. 768.28) the proposing firm shall indemnify and hold harmless the City, its officers and employees, from liabilities, damages, losses and costs, including, but not limited to, reasonable attorney's fees, to the extent caused by the negligence, recklessness, or intentional wrongful misconduct of the proposing firm and any persons employed or utilized by the proposing firm in the performance of the work being proposed. EQUAL EMPLOYMENT In accordance with Federal, State and Local law, the proposing firm will not discriminate against any employee or applicant for employment because of race, color, ethnicity, religion, sex, sexual orientation, national origin or handicap. The proposing firm will be required to comply with all aspects of the Americans with Disabilities Act (ADA) during the performance of the work being proposed. Insurance Brokerage Services RFP No. SM -201 I -09 -HR Page 6 of 25 INSURANCE Without limiting its liability, the proposing firm shall be required to procure and maintain at its own expense during the life of the Contract, insurance of the types and in the minimum amounts stated below as will protect the proposing firm and the City, from claims which may arise out of or result from the proposing firm's performance of a Contract with the City, whether performed by itself or by any sub - contractor, or by anyone directly or indirectly employed by any of them or by anyone for whose acts the City may be liable. Workers' As required by law and covering all employees meeting Statutory Compensation Limits in compliance with all applicable state and federal laws. Insurance: With a minimum limit of $1,000,000.00 for each accident. Employer's Liability Comprehensive Coverage shall have minimum limits of $1,000,000.00 per General Liability: occurrence, combined single Limit for Bodily Injury Liability and Property Damage Liability. This shall include Premises and /or Operations; Independent Contractors and Products and /or Completed Operations; Broad Form Property Damage; and Contractual Liability Endorsement. Business Vehicular Coverage shall have minimum limits of $1,000,000.00 per Liability: occurrence. Combined Single Limit for Bodily Injury Liability, and Property Damage Liability: This shall include Owned Vehicles, Hired and Non -Owned Vehicles and Employees Non - Ownership. Professional Liability: Coverage shall have minimum limits of $1,000,000.00 per occurrence with respect to negligent acts, errors or omissions in connection with the professional services to be provided and any deductible not to exceed $5,000.00 each claim. A. The City shall be listed as an Additional Named Insured on the policies for Comprehensive General Liability, Employer's Liability, Workers' Compensation Insurance and Business Vehicular Liability. In the event the insurance coverage expires prior to completion of the term of the Contract with the City, a renewal certificate shall be issued 30 days prior to said expiration date. The policy shall provide for a 30 -day notification to the City in the event of cancellation or modification to the policy. The policy shall not be cancelled or modified without the written consent of the City. B. Unless otherwise specified, it shall be the responsibility of the proposing firm to insure that all subcontractors comply with the same insurance requirements as provided herein. All proposer certificates of insurance must be on file with and approved by the City before the commencement of work activities. Waivers of subrogation shall also be provided upon approval of the applicable insurers. C. The proposing firm shall "flow down" the requirements of this provision to all subcontractors. D. The limits of insurance required above must be retained throughout the term of the contract. The proposing firm must notify the City immediately if any of the required coverage limits are reduced due to claim activity or for any other reason. E. Policies should be written on an "occurrence" basis. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 7 of 25 OPENING OF REQUEST FOR PROPOSALS Request for Proposals will be opened and evaluated after the final date and time set for receipt. The City may request proposing firm(s) considered for award to make an oral presentation to a selection board or to submit additional data. REIECTION OF PROPOSALS The City reserves the right to reject any and all Request for Proposals. It also reserves the right to waive any minor irregularities in connection with response to the Request for Proposals. ACCEPTANCE OF PROPOSAL Within ninety (90) days after the final submission date for Request for Proposals, the City will act upon them. The Successful Firm will be requested to enter into negotiations to produce the Contract. The City reserves the right to terminate negotiations and cancel the bid award in the event it deems progress towards a Contract to be insufficient. Applicable Law T All applicable laws and regulations of the State of Florida and ordinances and regulations of the City of South Miami will apply to any resulting agreement and venue for any action arising out of the Contract shall be in Miami -Dade County, Florida, and such right shall remain solely with the City. Oualifiication of Proposing Firm Request for Proposals will be considered from firms normally engaged in providing the services requested. The proposing Firm must demonstrate adequate experience, organization, offices, equipment and personnel to ensure prompt and efficient service to the City of South Miami. The City reserves the right, before recommending any award, to inspect the offices and organization or to take any other action necessary to determine ability to perform in accordance with the specifications, terms and conditions. The City of South Miami will determine whether the evidence of ability to perform is satisfactory and reserves the right to reject Request for Proposals where evidence submitted, or investigation and evaluation, indicates inability of a firm to perform. The failure of the Bidder to make arrangements, satisfactory to the City, for the City's inspection and investigation shall be grounds for rejection of the Bid. Designated Contact The awarded firm shall appoint a person to act as the firm's primary contact with the City of South Miami. The contact person or person designated in writing by the firm, shall be readily available during normal work hours by phone, e-mail, facsimile transmission or in person, at the option of the City, and shall be knowledgeable of the terms of the Contract and the work being performed pursuant to the Contract terms. Deviations from Specifications The awarded Firm shall clearly indicate, as applicable, all areas in which the services proposed do not fully comply with the requirements of this Request for Proposal. The decision as to whether an item fully complies with the stated requirements rests solely with the City of South Miami. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 8 of 25 Precedence of Conditions The proposing Firm, by virtue of submitting a proposal, agrees that City's General Provisions, Terms and Conditions stated herein shall be incorporated into the Contract and take precedence over any terms and conditions submitted with the proposal, either appearing separately or included, and shall not be modified without the written consent of the City. Proposal Withdrawal After Request for Proposals are opened, corrections or modifications to Proposals are not permitted, but the proposing firm may be permitted to withdraw an erroneous proposal prior to the adoption of the award by the City Commission, if the following is established: A. The proposing firm acted in good faith in submitting the proposal; B. The error was not the result of gross negligence or willful inattention on the part of the firm; C. The error was discovered and communicated to the City within twenty -four (24) hours of proposal opening, along with a written request for permission to withdraw the proposal; and D. The firm submits documentation and an explanation of how the proposal error was made. Public Entity Crimes A person or affiliate who has been placed on the Convicted Vendors List following a conviction for a public entity crime may not submit a proposal for a contract to provide any services to a public entity, may not submit a Request for Qualifications on leases of real property to a public entity, and may not transact business with any public entity in excess of the threshold amount provided in Section 287.017, for a period of 36 months from the date of being placed on the Convicted Vendors List. Contingent Fees Prohibited The proposing firm must warrant that it has not employed or retained a company or person, other than a bona fide employee, contractor or subcontractor, working in its employ, to solicit or secure a contract with the CITY, and that it has not paid or agreed to pay any person, company, corporation, individual or firm other than a bona fide employee, contractor or subcontractor, working in its employ, any fee, commission, percentage, gift or other consideration contingent upon or resulting from the award or making of a contract with the City. Auditable Records The proposing firm shall maintain auditable records concerning compliance with the Contract. These records shall be kept in accordance with generally accepted accounting principles, and the City reserves the right to determine record - keeping method in the event of non - conformity. These records shall be maintained for five (5) years after the term of the Contract and shall be readily available to City personnel with reasonable notice, and to other persons in accordance with the Florida Public Disclosure Statutes. Unauthorized Aliens The employment of unauthorized aliens by any firm is considered a violation of Federal Law. If the Bidder /Contractor knowingly employs unauthorized aliens, such violation shall be cause for unilateral cancellation of any contract resulting from this RFP. This applies to any sub - contractors used by the firm as well. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 9 of 25 Waiver The failure to enforce Contract as to any particular breach or default shall not act as a waiver of any subsequent breach or default. No act or omission shall be construed as a waiver of any of the terms of the Contract. A waiver of any of the terms of Contract shall only be valid and enforceable if the waiver is in writing signed by both parties. Modifications and Amendments The Contract shall contains the entire agreement between the parties and no modification or amendment of any terms or provisions of the Contract shall be valid or binding unless it complies with this paragraph. The Contract, in general, and this paragraph, in particular, shall not be modified or amended except in writing signed by both parties to the Contract. END OF THIS SECTION Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 10 of 25 SUBMISSION REQUIREMENTS Insurance Brokerage Services It is imperative that the information submitted is precise, clear, and complete. All submittals must be presented in an original unbound proposal and ten (10) additional copies an 8 1/2" x I I ", tabbed for the following format (submittals not conforming to this format may be disqualified from further consideration). Request for Qualifications should include the requirements listed below. Submittals submitted without meeting ALL the requirements may be considered non - responsive. FORMAT Sections and subsections should correspond in sequence with those identified below. All additional information that the Proposer believes is unique to a section and does not fit the established outline may be included at the end of each section under a subheading "Additional Information." The following information shall be provided in the order detailed: failure to provide any one part of this section without appropriate explanation may result in disqualification of proposal. A. Title Page - List the RFP subject, the name of the firm, address, telephone number, email address, contact person and date. B. Table of contents - Include a clear identification of the material included in the submittal by page number. C. Letter of Interest — Limited to two (2) pages and it should include a positive commitment to perform the required work within a specified timeline, an acknowledgement of receipt of addenda, if any, the name(s) of the person(s) who will be authorized to make representation for the firm, their title, phone number and email address. D. Qualifications and Experience - Proposer's Qualification Statement, shall include the following information: I. A brief discussion of the firm's understanding and approach to the work described herein. 2. A resume of the Proposer who will work on City matters and a statement identifying the individual who will attend meetings and have primary responsibility for City matters and whether that individual represents other municipalities. 3. A list of any other entities with whom the Proposer has a contractual relationship or other business affiliation. 4. A disclosure of the following: (a) any relationships between the Proposer and any Commission member, his /her spouse, or family: (b) any relationship between the Proposer and any business or entity owned by a Commission member or their family or in which a Commission member or their family has or had an interest; (c) any other information concerning any relationship between the Proposer and any Commission member which the Proposer deems might be relevant to the Commission's consideration; (d) such other governmental or quasi - governmental entities which are represented by the Proposer, and the nature of the representation; and (e) a "conflict list" if same is maintained by the Proposer. 5. Provide three (3) examples of work performed by the Proposer that involved services similar to those detailed herein and as to each, describe the scope of work and explain why you believe it is similar to the work outlined in this RFP. Provide references required by this RFP. 6. Provide resumes of staff that will be performing the work. E. A completed Certification and Non - Collusion Affidavit form which is part of this bid package. F. All proposals received will be considered public records. The City will consider all proposals using such criteria as the Commission may adopt at its sole discretion. The Proposer selected will be required to enter into a formal agreement with the City, prior to the execution of which the City shall reserve all rights, including the right to change its selection. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page I I of 25 G. Sworn Statement under Section 287.133(3) (A), Florida Statutes, On Public Entity Crimes. H. Cost Proposal —All proposals shall be computed on a flat fee basis. END OF THIS SECTION Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 12 of 25 EVALUATION AND SELECTION OF RESPONDENT m. ins ... _ _ , __.. Insurance Brokerage Services All submittals shall be reviewed and evaluated by the Evaluation Committee to determine if they meet the minimum qualifications and for compliance with the RFP requirements. All Proposers meeting the minimum requirements shall be further evaluated based on the following criteria and shall be ranked by the Evaluation Committee. Firms shall be selected based on their ranking. The evaluation shall be based on the Respondent's ability to exceed minimum qualifications and requirements including, but not limited to, the Respondent achieving a minimum score of at least 70 points for consideration. Criteria Points Location of Facilities 10 Past Experience and Performance 20 Experience of Key Personnel 25 Financial Stability of Respondent 10 Availability and Commitment of Respondent 25 Cost Proposal . M •. 10 100 • Location of Facilities; distance between respondent and the City, convenient travel. (Maximum Possible Points: 10) • Past Experience and Performance on City of South Miami contracts and contracts with other governmental entities, including complaints made against the Proposer regarding those contracts. (Maximum Possible Points: 20) • Experience of Key Personnel. (Maximum Possible Points: 25) • Financial Stability of Respondent, the City reserves the right to request the financial statements of any or all Respondents. (Maximum Possible Points: 10) • Availability and Commitment of Respondent to meet emergency situations. (Maximum Possible Points: 25) • Cost Proposal (Maximum Possible Points: 10) • The City of South Miami reserves the right to waive any irregularities or informalities in any proposal, to reject any or all proposals, and to make awards in accord with the best interest of the City and the public. I. The committee may request that each short - listed firm make a presentation and be available for an interview. All expenses, including travel expenses for interviews, incurred in the preparation of the proposal and attendance at the presentation and interview shall be borne by the Proposer. After presentations and interviews are completed, the Proposers shall be ranked by the Evaluation Selection Committee. 2. The Evaluation Selection Committee will present the ranking to the City Manager for initial review and approval followed by City Commission consideration and final approval. 3. The City will negotiate a Contract with the top ranked firm. Should the City be unable to negotiate a satisfactory contract which is competitive, reasonable, and adequate, negotiations with that firm shall terminate and the City shall proceed to negotiate a contract with the next highest ranked firm; and, ultimately, should all such negotiations fail, all proposals shall be rejected and this solicitation shall be re- issued. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 13 of 25 PROPOSER'S QUALIFICATION STATEMENT Insurance Brokerage Services PROPOSER shall furnish the following information. Failure to comply with this requirement will render the Bid non - responsive and shall cause its rejection. Additional sheets shall be attached by the Proposer as required. PROPOSER'S Name and Principal Address: Contact Person's Name and Title: PROPOSER'S Telephone and Fax Number: PROPOSER'S License Number: (Please attach certificate of competency and /or state registration.) PROPOSER'S Federal Identification Number: I. Number of years your organization has been in business, in this type of work: 2. Names and titles of all officers, partners or individuals doing business under trade name: The business is a: Sole Proprietorship ❑ Partnership ❑ Corporation LLP ❑ LLC ❑ 3. Describe your experience and services related to health management. This would include health risk assessments, wellness, health coaching, disease management, etc. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 14 of 25 4. Describe an example of a City for whom you have coordinated or provided these services. S. Have you ever failed to complete work awarded to you. If so, when, where, and why? 6. How will you maintain confidentiality of the City's records and data (include in your discussion any security procedures for accessing, sending, and storing data that are currently in place)? 7. Discuss your service approach and how you respond to City requests. Include what you consider non - urgent/routine requests and urgent requests. 8. How do you measure client satisfaction? 9. Confirm that you serve as a consultant or broker, independently, and are not affiliated with any insurance company, third party administrative agency or provider network. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 15 of 25 10. Describe your experience in provider network development, recruitment and negotiation, and maintenance. I I. Outline your ability to provide expertise and experience in the areas of health benefit plan analysis and design. 12. Explain in detail the types of analyses you have conducted relative to benefits analysis and design for a health plan with at least 100 employees. 13. Provide examples of communication materials developed and prepared by your organization for use in City's health benefit communication campaigns. 14. Are there any existing service provider relationships that may prevent you from acting independently and providing objective advice or guidance? (Examples, overrides, commission agreements, preferred contracts, pricing based on volume, etc.) Insurance Brokerage Services RFP No. SM- 2011 -09 -FIR Page 16 of 25 15. List any subcontractors who will provide services under this Contract and the services they will provide. The foregoing list of subcontractor(s) may not be amended after award of the contract without the prior written approval of the Contract Administrator, to be designated by the City Manager, and whose approval shall not be unreasonably withheld. 16. List and describe all bankruptcy petitions (voluntary or involuntary) which have been filed by or against the Proposer, its parent or subsidiaries or predecessor organizations during the past five (5) years. Include in the description the disposition of each such petition. 17. Provide specific examples of a significant savings in the cost of benefits to the client that can be directly attributed to your past services. 18. List any companies your are affiliated with or have contractual arrangement with including insurance companies, third party administrators (claims or other administrative /record keeping services), provider networks, HR or benefits software vendors, etc. 19. Describe your firm's ability to assist with Benefits Administration issues. 20. What distinguishes your firm from other consulting firms and why should the City select your firm for consulting needs? Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 17 of 25 21. What is the total number of employees that you have assigned, currently, to employees benefits counseling? 22. What is your corporate mission, vision and values, as well as your organization's philosophy towards providing benefits consulting services? 23. Discuss your firm's quality assurance policies and procedures. How do you measure whether you are meeting these standards? What is the frequency of any such review? 24. Detail your ability to monitor regulatory and legislative developments at both the state and federal level and how this will benefit the City and be communicated to the City. 25. List all claims, arbitrations, administrative hearings and lawsuits brought by or against the Proposer or its predecessor organizations(s) during the last (5) years. The list shall include case name, case, arbitration or hearing identification number, name of the court or tribunal, the name of the project over which the dispute arose; and a description of the subject matter of the dispute. 26. Describe all proceeding concerning business related offenses in which the Proposer, its principals or officers or predecessor organization(s) were defendants. Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 18 of 25 27. Has the Proposer, its principals, officers or predecessor organization(s) been CONVICTED of a Public Entity Crime, debarred or suspended from bidding by any government during the last five (5) years? If so, provide details. The PROPOSER acknowledges and understands that the information contained in response to this Qualification Statement shall be relied upon by CITY in awarding the contract and such information is warranted by PROPOSER to be true. The discovery of any omission or misstatement that materially affects the PROPOSER'S qualifications to perform under the contract shall cause the CITY to reject the Bid, and if after the award, to cancel and terminate the award and /or contract. VERIFICATION PURSUANT TO SECTION 92.525(2), FLORIDA STATUTES Under penalties of perjury, I declare that I have read the foregoing Response to Qualification Statement and that the facts stated in it are true. DATED this day of 12011. (Print Name of Proposer) (Sign Your Name on Line Above) (On Line Above, Print or Type Name of Person Signing) FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 19 of 25 NON - COLLUSION AFFIDAVIT Insurance Brokerage Services STATE OF FLORIDA ) COUNTY OF MIAMI -DADE ) states that: (I) He /She /They is /are the of attached BID; being first duly sworn, deposes and (Owner, Partner, Officer, Representative or Agent) the PROPOSER that has submitted the (2) He /She /They is /are fully informed with respect to the preparation and contents of the attached BID and of all pertinent circumstances concerning such BID; (3) Such BID is genuine and is not a collusive or sham BID; (4) Neither the said PROPOSER nor any of its officers, partners, owners, agents, representatives, employees or parties in interest, including this affiant, have in any way colluded, conspired, connived or agreed, directly or indirectly, with any other PROPOSER, firm, or person to submit a collusive or sham BID in connection with the Work for which the attached BID has been submitted; or to refrain from PROPOSING in connection with such Work; or have in any manner, directly or indirectly, sought by agreement or collusion, or communication, or conference with any PROPOSER, firm, or person to fix any overhead, profit, or cost elements of the BID or of any other PROPOSER, or to fix any overhead, profit, or cost elements of the BID Price or the BID Price of any other PROPOSER, or to secure through any collusion, conspiracy, connivance, or unlawful agreement any advantage against (Recipient), or any person interested in the proposed Work; (5) The price or prices quoted in the attached BID are fair and proper and are not tainted by any collusion, conspiracy, connivance, or unlawful agreement on the part of the PROPOSER or any other of its agents, representatives, owners, employees or parties of interest, including this affiant. Signed, sealed and delivered in the presence of: By: Signature Print Name and Title Subscribed and sworn to before me this day of Notary Public (Signature) My Commission Expires: WE FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISOUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 20 of 25 SIGNATURE PAGE Insurance Brokerage Services The undersigned attests to his (her, their) authority to submit this Submittal and to bind the firm(s) herein named to perform as per agreement. Further, by signature, the undersigned attests to the following: I. The Proposer is financially solvent and sufficiently experienced and competent to perform all of the work required of the Proposer in the Contract; 2. The facts stated in the Proposer's response pursuant to Request for Proposal, instructions to Proposer and Specifications are true and correct in all respects; 3. The Proposer has read and complied with, and submits its proposal agreeing to all of the requirements, terms and conditions as set forth in the Request for Proposals. 4. The Proposer warrants all materials supplied by it are delivered to the CITY of South Miami, Florida, free from any security interest, and other lien, and that the Proposer is a lawful owner having the right to supply the same and will defend the conveyance to the CITY of South Miami, Florida, against all persons claiming the whole or any part thereof. 5. Proposer understands that if a team is short listed and selected to make oral presentations to the selection committee and /or CITY, only the team members who were involved in the preparation of the written submissions may participate in the oral presentations. Any changes to the team at the oral presentations may, at the sole discretion of the City, result in that Proposer's Bid disqualification. 6. The undersigned certifies that if the firm is selected by the City the firm will negotiate in good faith to establish a Contract. 7. Proposer understands that all information listed above may be verified by the City of South Miami and Proposer authorizes all entities or persons listed above to answer any and all questions. Proposer hereby indemnifies the City of South Miami and the persons and entitles listed above and holds them harmless from any claim arising from such investigation and verification process, including the dissemination of information pursuant thereto. Submitted on this day of 20 (If an individual, partnership, or non - incorporated organization) Witness: Company: Printed: By: Title: Print Name, Title: (If a corporation, affix seal) Company: By: Attested by Secretary Print Name, Title: Incorporated under the laws of the State of FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISOUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 21 of 25 CERTIFICATION OF AUTHORITY [To be completed and signed by a legal entity only. This Certification is not applicable to an individual Proposer Insurance Brokerage Services STATE OF FLORIDA COUNTY OF MIAMI -DADE Corporation or LLC 11 Partnership 11 LLP 11 Joint Venture I HEREBY CERTIFY that a meeting of the Board of Directors, Partners, and /or Principals (include DBA -Doing Business As, if applicable) of the following entity an organization existing under the laws of the State of , was held on 20 and the following resolution was duly passed and adopted: "RESOLVED, that, as of the organization, be and is hereby authorized to execute the Proposal dated, day of 20 , to the City of South Miami and this organization and that my execution thereof, attested by a Notary Public of the State, shall be the official, act and deed of this attestation" I further certify that said resolution is now in full force and effect. IN WITNESS WHEREOF, I have hereunto set my hand and affixed the official seal of the corporation this, day of , 20 Print Name NOTARY PUBLIC: Signature Notary Signature SEAL Personally known to me, or Personal identification: Type of Identification Produced FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 22 of 25 REFERENCES , 11 Insurance Brokerage Services Please list three (3) governmental agency, or comparable corporate client, contract references for which you have done business within the past three (3) years: Agency Name: Address: City, State & Zip Code: Contact's Name: Telephone Number: Agency Name: Address: City, State & Zip Code: Contact's Name: Telephone Number: Agency Name: Address: City, State & Zip Code: Contact's Name: Telephone Number: Attach additional sheets if necessary. FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 23 of 25 RFP INFORMATION FORM Insurance Brokerage Services I certify that any and all information contained in this RFP is true;' and I further certify 'that this RFP is made without prior understanding, agreement, or connections with any corporation, firm or person submitting a RFP for the same materials, supplies, equipment, or services and is in all respects fair and without collusion or fraud. I agree to abide by all terms and conditions of the RFP, and if the Proposer is a legal entity, I certify that I am authorized to sign for the Proposer. Please print the following and sign your name where indicated below: Firm's Name: Principal Business Address: Telephone: E -mail address: Name Title: Signature of Authorized Representative: Fax: .Q FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISOUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 24 of 25 NO CONFLICT OF INTEREST CERTIFICATION , ,— —,..:_, _ . . I ....n.. T. B _ces' Insurance rokerage Services The undersigned, as Bidder /Proposer, declares that the only persons interested in this RFP are named herein; that no other person has any interest in this RFP or in the Contract to which this RFP pertains; that this response is made without connection or arrangement with any other person; and that this response is in every respect fair and made in good faith, without collusion or fraud. The Bidder /Proposer agrees that if this response /submission is accepted, to execute an appropriate CITY document for the purpose of establishing a formal contractual relationship between the Bidder /Proposer and the CITY, for the performance of all requirements to which the response /submission pertains. The Bidder /Proposer states that this response is based upon the documents identified by the following number: Bid /RFP No. The full -names and residences of persons and firms interested in the foregoing bid /proposal, as principals, are as follows: The Bidder /Proposer further certifies that this response /submission complies with Chapter 8(a) of the Code of Ordinance, City of South Miami, Florida, that, to the best of its knowledge and belief, no Commissioner, Mayor, or other officer or employee of the CITY has an interest directly or indirectly in the profits or emoluments of the Contract, job, work or service to which the response /submission pertains. Signed, sealed and delivered in the presence of: By: Signature Print Name and Title Subscribed and sworn before me this day of , 20 Notary Public (Signature) My Commission Expires: FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISOUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 25 of 25 CONE OF SILENCE AFFIDAVIT "irsurance Brokerage Services The "Cone of Silence" specifically prohibits communication regarding RFP "S (bids) or any solicitation with the City of South Miami staff except by written means, with copy filed with the City Clerk. This takes effect upon advertisement for Request for Proposal and terminates when the City Manager makes his recommendation to the City Commission for the award. An exception is made for oral communication during pre - proposal conferences. In addition to any other penalties provided by law, violation of the Cone of Silence shall render any proposal disqualified. CITY OF SOUTH MIAMI DISCLOSURE AFFIDAVIT being first duly sworn, state: The full legal name and business address* of the person or entity contracting or transacting business with the City of South Miami are: If the contract or business transaction is with a corporation, the full legal name and business address* shall be provided for each officer and director and each stockholder who holds directly or indirectly five percent (5%) or more of the stock in the corporation. If the contract or business transaction is with a partnership, the full legal name and business address* shall be provided for each partner. If the contract or business transaction is with a trust, the full legal name and address* shall be provided for each trustee and each beneficiary.. If the contract or business transaction is with an LLP or LLC, the full legal name and address* shall be provided for each member of the LLP or LLC. All such names and addresses are: The full legal names and business address* of any other individual (other) than subcontractors, material men, suppliers, laborers, or lenders who have, or will have, any interest (legal, equitable, beneficial or otherwise) in the contract or business transaction with the City of South Miami are: Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 26 of 25 Notary Public Signed, sealed and delivered in the presence of: 0 Signature Print Name and Title Subscribed and sworn to before me this day of Notary Public (Signature) My Commission Expires: ,20 FAILURE TO COMPLETE SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE Insurance Brokerage Services RFP No. SM- 2011 -09 -HR Page 27 of 25 ,.,;MCKINLEY 4 License & Insurance rq' Lr��s f� LIU 0 " Go U.. � O OO �W U W r � W ':yam U LIU 0 " Go U.. � O OO �W U o U O � O y UJ Al m pn a .° C. op LIU 0 xa Go � OO �W U U boo 0 GN � OO �W al O � O y m pn a .° C. op a o . .. PRODUCER .... .. mcRi,111oy Financial Services 545 iv'ort h Andrews Avenue Fort Lauderdale FL 33301 .s Drake 2,.. Lkr {n.. O'yP -9 FR Fi =.,.. nl„ QKL iY[cE.J nley w i nancial Services SAS PT. Andrews :Avenue :Ft. Lauderdale BL 33301 �� ' � � 9 8 tl Q.:� ll 0 0;:i'c$71tl:V,JpP i>), riY3 OnrE (MwDD /YY) ... .. - _ MCKIPJ .s THIS CERTIFICATE IS ISSUED AS A MA17ER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. COMPANIES AFFORDING COVERAGE COMPANY A Zu:eiah °American Insu:canc� L�•_' COMPA14Y -- _ - - -- a Associated IndustrieS lrasuraEi.0 COMPANY C Cotha*n 2r_surance Company, - --------- -- COMPANY D i C UEHR(I . ' . I . . ."I "is . 1 'i THIS IS TO CERTIFY THAT THE POLICIES OFINSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR TH POLICY PERIOD 1 INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CER T WICATE MAYBE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY H <VC n==N PEm Icon ev ae,n n elncc COI P POLICY EFf ECTIVE P POLICY EXPIRATIONT TYPE OF INSURANCE P POLICY NUMBER I DATE (MMIDD/YY) D I) LIMITS j TlG ?NERAL LIABILITY G GENERAL AGGREGATE MMERCIAL GENERAL LIABILITY p pPs 433193896 O OA d d . PRODUCTS - COMP /0P AG6 3 .._J F". te M PERSONAL &AD'J INJURY I IS 1 I NER'S 8, CONTRACTOR'S PROT E EACH OCCURRENCE ( ( S FIRE DAMAGE (.Any ona iire) + +� MED EXP(AnY Oneperson) $ $ AUTOMOBILE LIABILITY -A. ANY AUTO P Pies 43193$96 0 04/03/10 0 04/03/11 - COMBATED SINGLE LAfiT -— I ALL OWNED AUTOS _ BODILY INJURY 1 HI.REDAUTOS B BODILY INJURY _( 1Y NON -OWNED AUTOS ( (Per accitlenlj : :` F -'I _ P _ 1 i i 'GARAGE A � O PROPERTY DAMAGE $ A AUTO � OTHER A EACH ACCIDEN f, AGGREGATE $ $ ;EXCESS L1.181LTIY V V E EACH OCCURRENCE __- AGGREGATE $ $ — U11.BRELLA . fORM A 0' H _� 0 - -- — WORKERS COMPENSATION AND - —�� q q I WC STATU 'inSttiranae AqB nep TOWHI -'C SHOULDANYOF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE= TH2 EXPIRATION DATE THEREOF, THE ISSUING COMPANY WILL ERDEAVOR TO MAIL 7.0 DAYS WRITTEN NOTICE- TO THE CERTIFICATE HOLDER, NAMED TO THE LEFT, BUT FAILURE TO MAIL SUCH NOTICE SHALL IMPOSE NO OBLIGATION OR LIABILITY r;:o SSec;, 'r,U ��y Concern,�t OP NY ((IND UPpN THE gOMPANY, ITS AGENTS OR REPRESENTATIVES. 7k41 M < K INt. EY i wmn% � eputati ®n /Achievements / r ^rsu tsusuresS ttevtew of McKinley Financial Services, Inc. - Financial Services - Fort L... Page I of 2 TrustLink- Community A Bever Bestow. Fri Program Company Profile McKinley Financial Services, Inc. Check out the McKinley Financial Services, Inc. s(orefront to view photos of the business, read customer reviews, and even post a review yourself G Reed Customer Reviews 0 Request a Quote 0 Write a Company Review Address: 545 North Andrews Ave. Fort Lauderdale, FL 33301 Tel: (954) 938 -26M Fe,,: (954) 938 -2695 Web Site: Mtp:/ v ansvmckinleyinsurance.c... Contact: James McKinley - President Business Start Dale: 825/1987 Company IN: 12002236 Nature of Business: This company's nature of business is Public Insurance Adjusters iis on TruslLink Complaint Experience Bureau Summary and Analysis of customer complaints and company responses: We have received no complaints against this company. Complaint Closinq Statistics The following grid displays the number and responses to complaints over the last 36 months: no. or cmpl Type of Response Contact bs Find a eBe Bee en Eti along a lull reload, as the consumer requested 0 along a partial refund For Consumers greeing to perform accntling to thou cooked Select Language For Businesses Southeast Florida and the Caribbean Powered by Cue For Charities and Donors 0 About Us D Total Ncws Center i want lo... -- LIPS Reliabibly Roped for Company Rating A+ C File a Cori McKinley Financial Our opinion of what this rating i Open printer friendly page Services Inc. means: Aoexemplary rating. This means thal Report inaccurate information a nothing in our files causes us to have any doubt about the company's A BBB Accredited business since 07106/1999 reliability. A� + Ra ling E,unatton TrustLink- Community A Bever Bestow. Fri Program Company Profile McKinley Financial Services, Inc. Check out the McKinley Financial Services, Inc. s(orefront to view photos of the business, read customer reviews, and even post a review yourself G Reed Customer Reviews 0 Request a Quote 0 Write a Company Review Address: 545 North Andrews Ave. Fort Lauderdale, FL 33301 Tel: (954) 938 -26M Fe,,: (954) 938 -2695 Web Site: Mtp:/ v ansvmckinleyinsurance.c... Contact: James McKinley - President Business Start Dale: 825/1987 Company IN: 12002236 Nature of Business: This company's nature of business is Public Insurance Adjusters iis on TruslLink Complaint Experience Bureau Summary and Analysis of customer complaints and company responses: We have received no complaints against this company. Complaint Closinq Statistics The following grid displays the number and responses to complaints over the last 36 months: no. or cmpl Type of Response 0 along a lull reload, as the consumer requested 0 along a partial refund o greeing to perform accntling to thou cooked 0 Refusing to make an atljuslmenl 0 Reruse to atljust, relying on terms of agreement 0 Unanswered 0 Unassigned D Total �1 Ask the Community BBB Comments 8 Analysis Bureau's Comments and Analysis Of Company's Business: We have no IuMer comment about (his company's business practices or analysis of its offer that may ..is( you in your consideration of this company. Licensing Agency: Florida De,rlmenl of Financial Services License Number: A173540 Status: Active Government Actions We know of no government @dim taken against this company. • .A Here is tlly expeNence' ;y wllhihis company.:. a Accreditation This company has been - -,allied since 07/06/1999 and we are satisfied That it honors its commitment. The company has agreed to uphold our accreditation standards. which include a commitment to act in accordance with ethical business pradices and to respond to customer complaints. Other Considerations We know of no other matter or practice totaling to this company Nat may assist you in your consideration of this company. Advertising Review No questions about the truth of this company's advertising has rare to our allention. Add[. Company Info Additional DSAs Additional Cmiacte Additional Addresses Additional Welshes Additional Phone Numbers Additional Fax Numbers hftp : / /www.seflorida.bbb.orgBusiness -Report/McK rley- Financial- Services - Inc - 12002236 6/23/2010 7k4*1 MCKINLEY r McKinley Foundation Health Care Consortium Agn [Vk,l MCKINLEY Executive Summary i L ,e.; utive Summary McKinley Financial Services, Inc. is pleased to continue to have the CLIENT as our valued client. As We have received and reviewed your renewal proposal and /or renewal notification from each of the enforce carriers for medical, dental, vision and life insurance. McKinley Financial Services recognizes that employers must be contentious when designing their employee benefits portfolio, We understand how important it is to offer benefit options that are both affordable and valuable. We also believe that selecting the right benefit portfolio is critical to employee satisfaction and peace of mind. Below is a summary of our findings and recommendations for 2010 benefit year. Medical The medical insurance with MEDICAL CARRUER reflected an XXX% increase. The current benefit structure has low out -of- pocket costs. We recommend that the CLIENT remain with MEDICAL CARRIER as your medical carrier. Dental The dental insurance is provided through DENTAL CARRIER. This contract was put in force for 2009 with a 24- month rate guarantee. There is no rate or benefit change for 2010. Vision The vision insurance is provided VISION CARRIER. There are no benefit or rate change for 2010. This is the fourth year that 20/20 is holding their rates, Life Insurance In 2009 LIFE CARRIER extended the rate guarantee for an additional two years. This contract will remain in place until December 31, 2010. There are no benefit changes. The only rate change the CLIENT is subject to is the annual salary change and employee age band changes. Ratc increases will only affect employees that meet the criteria. Savings Accounts (Flexible Spending and Dependent The Savings Accounts provided by FSA CARRIER there are no benefit or rate changes. Wellness Initiative After careful review of the CLIENT'S 1" Quarter Claims Report, it is our observation that the CLIENT would benefit from implementing some wellness initiatives; initially targeting asthma and diabetes. There are XX members enrolled in MEDICAL CARRIER Disease Management program for these conditions. This number represent less than X% of the CLIENT's membership, however if programs were implemented, this number would remain relatively low. Providing employees with educational material and other venues to improve their awareness and participation in healthy lifestyle activities benefits the CLIENT'S objective to provide a safe and health conscience workplace. In closing, the CLIENT will only incur a maximum of XX% rate increase for the medical insurance. All other benefits remain unchanged with no increase in rate. Once the CLIENT reviews and determines the final benefits for 2010, McKinley will notify each carrier of the CLIENT'S decision. Thank you for allowing McKinley Financial Services to provide our consulting services to the CLIENT and its employees. We look forward to serving you in 2010. b w ti 67 M cd q F� U �i v 0 `a b0 a 0 ° O W 5 Q U W ¢ O Q y U W v B o 9 0 9 op oa ° � O M 5 � o ss "� 0 0 0 o M M� ° o o ss ss y3 ss w vi w � o p p, o 0 0 0 o M 5 h r a � 69 � o O O O M N !•I IA ° ° ° h � O r o w w � 0 0 0 0 o w o op �n w °0 0 r o w w .. � v 0 `a b0 a 0 W 5 Q U W ¢ O Q y U W v B o 9 0 9 v 0 `a b0 a 0 § MCKINLEY . . .. {� � \ WIN, - \ )/ TWO -YEAR CLAIMS UTILIZATION DATA Apr 2008 - Mar 2009 Dollar amounts in Thousands Apr 2007 - Mar 2008 Dollar amounts in Thousands Premium Medical Pharmacy APR $199 $62 $28 MAY $202 $85 $29 DUN $207 $100 $26 JUL $210 $80 $23 AUG $213 $106 $30 SEP $215 $143 $28 SOCT $221 $89 $32 NOV $240 $250 $20 DEC $243 $94 $31 JAN $264 $137 $26 FEB $264 $120 $23 MAR $268 $159 $29 $111 $2,746 $1,425 $325 $718 $153 $1,750 Loss Ratio $871 Loss Ratio 64% Apr 2007 - Mar 2008 Dollar amounts in Thousands Premium Medical Pharmacy APR $64 $25 $11 MAY $69 $37 $10 JUN $71 $23 $9 JUL $78 $38 $9 AUG $80 $32 $8 SEP $83 $36 $8 SOCT $88 $38 $13 NOV $112 $26 $12 DEC $148 $92 $11 JAN $191 $102 $15 FEB $205 $158 $19 MAR $198 $111 $28 $1,387 $718 $153 $871 Loss Ratio 63% Contributions MEDICAL AVMED PLAN 3410 - HMO Employee Contribution Monthly Monthly ER Bi- Weekly ER Monthly EE Monthly EE Bi- Weekly EE Tier Employee $366.46 Premium $366.46 Cost $366.46 Cost Cost Cost Contribution Employee + T $613.83 $696.28 $613.83 $169.14 $283.30 $43.82 $0.00 $82.45 $0.00 Fami $833.70 $989.45 833.70 384.79 $248.16 155.75 $38.06 $71.88 AVMED PLAN 341040 - POS Employee Tier Contribution Monthly Monthly ER Bi -Weeld ER Y Bi- Weekly ER Monthly EE Bi- Weekly EE Bi- Weekly EE Tier ee Premium Cost Cost Cost Cost Contribution Employee $366.46 $410.28 $366.46 $169.14 $6.74 $8.69 $43.82 $20.22 Employee + 1 $531.37 $779.53 $531.37 $245.25 $12.88 $248.16 $114.54 Family $677.96 $1,107.75 $312.90 $103.64 $47,83 $198.36 r1.G 10'rAA YJY®Yi YYY` BCBS PRE -PAID OMO Employee Contribution Monthly Monthly ER Bi- Weekly ER Bi- Weekly EE Monthly EE Bi- Weekly EE Tier ee 0% Premium $14.60 Cost $14.60 Cost Contribution Cost Contribution loyee + 1 EFato 0% $25.11 $18.83 $6.74 $8.69 $15.42 $0.00 $0.00 il 0% $37.22 Family $12.88 _ $2g_gg $6.28 $2.90 $4.28 $1.20 $1.97 $103.64 $47,83 Employee Contribution Monthly Monthly ER Bi -Weekly ER Y Monthly EE Bi- Weekly EE Tier Employee 0% Premium $33.40 Contribution $0.00 Cost Monthly EE Cost Contribution Employee +1 0% $63.89 $0.00 $0.00 $0.00 Contribution $33.40 $15.42 Family 0% $103.64 $0.00 $2.60 $0.00 Family $63.89 _ $2g_gg $5.92 $4.28 $1.20 $1.97 $103.64 $47,83 VISION 20120 EYECARE - PLAN 109 Employee Contribution Monthly Monthly ER BI-Weekly ER Monthly EE Bi- Weakly EE Tier Employee Premium 0% $5.75 Cost $5.75 Cost Cost Contribution Employee +1 0% $10.38 $7.79 $2.65 $3.59 $0.00 $2.60 $0.00 Family 0% $17.10 $5.92 $4.28 $1.20 $1.97 a u td cl r� ©e� H O � w � W tG •u vY W a � z U �+ z Q 00 O O O e N B � FA F9 N q K N� b9 q by q V1 O b Pte. W O O O O 69 C b M r b VI p� ❑ y E � �.. ❑ ❑ p❑ V u �. � y d � M O p w 46 O N r N n O O O O fiq W 69 N u N M V ro� b N r v v v ° a W ❑ o U m y p pp en v � o 0 o W N o � Q a V p❑ °n o U E E E o -' _o _o a o.a :°. '.1tl. N U❑ V.a 0 W W W - f OI N N t^ 0 0 q M O e M O � O O O o FA yOq N O r o o w rl by V b V3 n 69 W a � z U �+ z Q 00 O Q n O N d 4 0 n d I ig v W v v e N B � FA F9 N q K N� b9 q by q V1 O b Pte. W O M N b M r b VI p� ❑ y E � �.. ❑ ❑ p❑ V u �. � y d � C v w 46 N r N n O O u v o°'i v T T T M V ro� b N r v v v ° a W ❑ o U m y p pp en v � o 0 o W N o � Q a V p❑ °n o U E E E o -' _o _o a o.a :°. '.1tl. or°. U❑ V.a W W W f OI N N t^ q M O e M H3 V3� Vi � V3 r o o w rl V b b n w N 49 n w N ml M V q V m N N r h Vl M M V � 00 d ^^ OI N r n q N Q b r o N q N w W V K W N M b b M N q �p w K q N co M �o r q q c b FA Q n O N d 4 0 n d I ig v W v v e B � Pte. W W ❑ y E � �.. ❑ ❑ p❑ V u �. � y d C v 46 u v o°'i v T T T c o v v v ° a W ❑ o U m y p pp en v � o 0 o W o � Q a V p❑ °n o U E E E o -' _o _o a o.a :°. '.1tl. or°. U❑ V.a W W W Q n O N d 4 0 n d I ig v W v v 7k MCKINL.EY a. i '` 'J - A` t .., „ � z�➢ .� a ill, �� :. 6 Dear Client We have prepared the enclosed annual summary to advise you of the City's performance as an employer group for the period of 2.009 - 2010 with the data made available to McKinley Insurance Services. The data provided by Aetna reflects the plan years based on claims paid for the periods of April 1, 2008 — March 31, 2009 and April 1, 2009 - March 31, 2010. Because of the group size more specific claims and utilization information is not available. As a result of the Patient Protection and Affordable Care Act, in the future, specifically due to the medical loss ratio and transparency requirements, we believe more detailed data will be available and we will be able to provide more in depth analytics. This report also contains rate history from 2007 to current, utilization information for 2009 and 2010, as well as demographic information on the client's employees. We are confident that this report will provide some insight as to the direction the City is headed and with our partnership we will be able to make any course changes that are necessary. Sincerely, Carmen Open Enrollment and the Implementation Since Open Enrollment and the implementation of the new plan year, October 1, 2010, we have held two (2) insurance committee meetings. The December meeting was cancelled. The next meeting is scheduled for January 13, 2011. We have discussed the 2011 health fair, which will be held on May 18, 2011 at the YMCA. We have already sent out "Save the Date" notifications to vendors and we are still seeking more. Other insurance committee discussions have included the online enrollment process, the new carriers and also the RFP process for 2011. Customer Service Days We have also held two (2) customer service days. The first meeting in October was for Florida Dental Benefits, who came in and delivered ID Cards for members and answered any questions. The next meeting included Colonial, Benefits Outsource Inc., Solstice Benefits and Florida Dental Benefits. It is our expectation that each month there will be different carriers that will attend. This will give members the opportunity to ask questions directly of the carriers. We will continue to hold monthly Customer Service Days to address benefit 'issues. Although currently, there have been very few issues with these carriers, it is best to catch any issues before they get out of hand. New — Benefits on a Budget New for 2011 will be the quarterly sessions for "Benefits on a Budget ". These programs will be designed to support employees in utilizing their benefits in a cost effective manner. These 30 minute sessions will be held in conjunction with the birthday cake (sponsored by Florida Dental Benefits), since the committee feels that food will get people to attend. The first session will be held on January 26, 2011 at 2:30pm and will talk about Prescription Drugs, Generic vs. Brand. 2011 -2012 Strategy As discussed, we will go out to bid in April for Medical insurance, but we would also suggest that we include the legal product. The current plan costs approximately $20 for employees and their families to enroll. We feel there are several companies that will be more competitively priced with equal or better benefits. There are only 4 people currently enrolled in this product. Current Plans Status Medical: Employee has issues with the Physical Therapy benefit, which contains a lifetime benefit. Although Health Care Reform has removed such limits for "essential benefits" this is not considered an "essential benefit ". Dental: No outstanding issues with either dental carrier. One employee had a challenge with getting payment for additional cleaning but I have been assured that the payment has been sent to the provider. Another employee went for services earlier than the plan allowed and received minimum payment to the dentist, but that too has been corrected by the carrier. Both of these were issues with Solstice Benefits. Vision: This is a new carrier with benefits that went into effect 101112010. 1 have had no issues to date from the members or insurance committee. Currently there are no other benefits to be recommended, as the City currently offers a full selection of benefit options. Municipal Benchmarking McKinley Insurance Services is currently conducting our annual Municipal Benchmarking Survey to better advise if there are other innovations that cities are offering to keep the client competitive with other cities in the County and surrounding areas. Once the survey is complete, we will share that information with you. Closing Looking ahead, we are currently gathering claims and other information to request bids for self - insured options. All on -site clinic offerings are with self- insured programs. We cannot begin to look at the onsite clinic option until we know if there will even be an available carrier that will provide self insurance options. We expect to have some preliminary answers by April, in time for the RFP to be released. ANNUAL COMPARISON YEAR TO YEAR 2009-2010 IX I KlNfQ -E DEMOGRAPHICS The 2009 -2010 Demographics are essentially unchanged with 58 employees in 2009 and 57 employees in 2010. Total enrollment in 2009 was 95 and the total for 2010 is 98. The male to female ratio in 2009 was 58% to 42% and in 2010 the ratio is 57.5% to 42.5 %. The average age in the group went down slightly. In 2009 the average age was 38.3 and in 2010 it is 37.4. The chart below illustrates the age /sex mix for the group. 4 r 4• r 1� • . �� . ,� ,-, ` I ,I, r = i 30% 26% 26% 25% 25% s 2.3% 20% 15% 12% 13% a 12 /o 10% 10% 8% 7% 5% 0% 0 to 19 0 to 19 20 to 44 20 to 44 45 to 64 Males Females Males Females Males Prior Current 19% 19% 1% 1% _ 0% 0 "Y. 45 to 64 65 /Over 65 /Over Females Males Females UTILIZATION AND COST SHARING Hospitalizations were down 35% in 2010. However the number of days of care increased by 44.9% and the average length of stay was up 125% with the average length of stay of 2.0 days in 2009 to 4.5 days in 2010. Inpatient vs. outpatient surgeries also changed from 2009 to 2010 with inpatient surgeries down 3.4% and outpatient surgeries up 16.8 %. Office visits also increased in 2010, the number of visits was up 10,6% and Emergency Room visits increased by 8.7 %. The charts below illustrate cost sharing 2009 vs. 2010 with the employer portion increasing in 2010 by 3 %. There was no coordination of benefits in 2010 and nothing attributed to a deductible. Copays were also down 1% in 2010. Cost Sharing % of Allowed Amount 2009 Employer COB, 2% Plan Paid (Deductible, Portion, 87% 1% d R';i. _Copays, 10% uj1 , 0 / Cost Sharing % of Allowed Amount 2010 Employer COB, 0% Plan Paid I� Deductible, Portion, 90% 0% �o Copays, 9 °% Coinsurance, 1% PRESCRIPTION DRUG UTILIZATION The number of pharmacy claims per member was up 10.4% in 2010 as well as the number of claims per utilizing member which was up 14.2% in 2010. The average copay per claim was down in 2010 from $25.29 to $24.11 a 4.7% decrease. This is attributable to the increased generic utilization and generic substitution which where both up 4.5% and2.5% respectively. Formulary utilization was also increased in 2010 from 72.2% to 77.5 %. The chart below illustrates utilization of generic vs. brand for 2009 and 2010. Number of Claims Utilization by Generic, Brand Single- Source and Brand Multi- Source 60% 51% 55% 50% 45% 41% 40% _. 30% 20% r _. 0% Generic Single-Source Brand Multi- Source Brand Prior Current PREMIUM HISTORY Since 2007 premiums for the group have increased 30.24% an average of 7.56% per year. According to Pricewaterhouse Coopers the medical trend nationally starting in 2008 was 9.9 %, 2009 — 9.2% and 2010 was 9.5 %. Florida has historically been 2 -3% higher than the national average. Pricewaterhouse Coopers has also estimated the medical trend for 2011 to be at 9 %. The Council for Insurance Agents and Brokers completed a survey in December 2010. The survey queried brokers nationwide concerning rate increases for 2010. For group sizes 51 -500 in the southeast 65% had rate increases between 11. and 20 %. The chart and tables below illustrate the premium history for the client since 2007 as well as percentage increases. $1,800.00 $1,600.00 $1,400.00 $1,200.00 $1,000.00 $800.00 $600.00 $400.00 $ 200.00 $0.00 HMO POS HMO POS 2007 2008 Emp Emp +1 Family 14,4 HMO POS HMO POS 2009 2010 Emp Emp +1 Family 2007 2008 2009 2010 HMO FOS HMO FOS HMO POS HMO POS $347.54 $413.26_ $40_2.25 $478.32 $426.39 $507.02 $462.63 $550.12 $763.90 $908.37 $884.16 $1,051.37 $937.21 $1,114.45 $1,016.87 $1,209.18 $1,006.94 $1,197.37 $1,165.46 $1,385.87 $1,235.39 $1,469.02 $1,340.40 $1,$93.89 Emp Emp +1 Family Emp Emp -F1 Family 2007 2008 HMO HMO $347.54_ $402.25 $763.90 $884.16 $1,006.94 $1,165.46 POS POS $413.2.6 _ $908.37 _$478.32 $1,051.37 $1;197.37 $1,385.87 2009 2010 Overall Inc % HMO Inc % HMO Inc % % Inc 15.74% $426.39 6.00% $462.63 8.50% 30.24/0 $937.21 $1,016.87 $1,235.39 $1,340.40 POS POS $507.02 $550.12 $1,114.45 $1;209.18 $1,469.02 $1,593.89 The client on average has experienced medical trend below the national and regional averages. .,ia. Flexible Spending Account: Previously, the employee participation in this benefit was 10 enrollees in the medical component and I enrollee in the dependent care component. During Open Enrollment, the medical component participation increased to 15, a 50% increase. The dependent care component remained the same. The increase in the medical is being attributed to the personalized attention and educational efforts provided to the employees during the open enrollment period, IVJ'NICV-�IINLEY 2010 -2011 INSURANCE COMMITTEE MEETING SCHEDULE I N L E 12 AGREEMENT : ° I NP, L EY 13 14 ..r 11 swore., D 'cettrb((r 17, 2010 C arr wn Wn- McKinley 1nstrrara -c Servi er, 111c°. 545 North Arst3ic %v., Mcmic Fort %xuderd -11:. Fl, 33301 RE % of P`r1c1,�9rcl t:013i'vA_',md 1'OWO SO<'tttila Ac.cc;is €>i:, AArtiaaisuative Service Bf.- w.rttt Oul gat rcc. 1, c. �7 :i %arr;7 OK COBRA A ?111(1 1°10.wA -le S1 mldirrn Account AdmMumc saviccs f<,r i'%4c.t Vice Pr esicio t, 1=i!lancc ea. M arkvting CiG ... EY 14 Is o i e 0 'PH L; Ali REW BAT V A grvcyn,�n I") is entercd into ?Vsjyowl Wwwr) ( Thn Omnmrj aro Bawfik Dummum,Inn CMOVI a FWd&, CoMmmorr, l)ctv"(-'(-r1 dit'. Sprunmr aud 13M vdwreby B01 ,tall be eng-ig,.-d by the Pi tn SpmDm to pmwide COBRA adrAidscrative s-ervices ftir dvi Plan Spousor in corvnec�ion its tordnatud ernpwy=a and di it dependents midcv its incdicad Ql'.. Plan Spa= is respon�,ibfc lbr fliTM of, Its COBRA Phu iukxrcl! "l, a` and lih;: oh' ii Spu;Iz:UF 1*VL1nU to rfliclill 1101 C0 t.. vi COI°4t A "xivicCs kv W PW MA Lo dicManSprinsor in wnphIg M, M 'ovn t1he Employu, Rctw,�rnfn IrLcon'e mquimments o 1yam cK, So m A q A tv of Me!; vfOv, ", ill collSiCiUrai-JOY) Of 01C PWASCS OAd Of the Mutual covellanu; and ag=Mcm cawaincd hl'n-eivt; fl-' Mali 31.,iom"or and 1.301 as kwow��: Pfan Sfmawy hady Wes BUT W provide do COBW"� adwhWauke suvhms specified in Exhlit P. anached luncto. '.'his Agrournerfl. •italf be eWtive on tN! We hereak and Mull combue in hmc M1 tondmited by cithef party. The Phu-] Spa= amy iii such rintice and paying B01 any rtuKutdingAsm HOT Mny WimiTiate dw Af� reclncm ataflycirnc 1191'k'M90WPWU QJ0TlF-()r WALM-i n06CCOWIC, Lcrrrunationol'the rkgr :,,nrental 60 d"s prim to be We nNermirwtina spr,61jorl ill `:tjclj .(.jtjce. If, ld-le event BOT the daWoMrmKition, tcrmin,'Ition of4hcJkWverncn!;130IWj sdicothMan, Mmul !Mbn SPOUSOr deshes to Purchase, be softwAre (includiog all existing data HMO irsed by B01 in pmOdIng SUMS hmemder at Nen alatto fall le oF nwh mltwmn 01 TPMn Sp ollsor does not pwchne sna soRware, Man Spowor may dect to have BCM tmusby its records to Plan Sponsor For a be of $110 per mcoW, but no ka awn SAMM, 3, KnIns,1101v 1301 skal bo =Wnwted by pmAdhg the sunices speciNed in Exhibit in Iq A • determined under With B anached hereto, Such comp,risation be p4d quarterly. ]IFFI-an spallwT-does notpay any clilartudy fee [I riv!o nay cirdic firfjiltll IIH rmdcmd, B0j nuy, M W Ohmim, napW iN "M vmh Pnmmd i" ontdc, J301 \--,,it] not-ify PW Symmi: vin CTMcd Mau, ten (I(q days prior 10 Iise . suq a ru Ian a Wt vice. IN f'1'111, EVCtNT 110 1 STISPEKDS I1'> SERVICES I i I, C,Al ISE, 0V PLAN MMORS FWURT�'.T0 PAYTEE 31%,J."WICE D'r,11S(,,J10IIT,,'D IN, of il.tlll`1' IN ATIVAPLY BOI S1-IA:LL IJAVE NO LIAT33LITY 01', i,,E'Sr`01--3SMILITY FOR ANY CMAMS, TAXES OR LJARfL1TJ)---S INC( ,MREE) BY ME PLPMNSPOMOR, E1,1PLO-YE ES C)FTT-1E PLAIT SPC)PISOII,, 0-1) A-�TY X10N-E-Mi-PL0'Yt.`,E PAW11MANTS 0]7`r'IJE PLA'N AS A RES1)',M'01"513C'1-I In pudbyprijag covered by d3k; is a tnac;rat, :f3071 may rely •hout qualification on the information provided by Plan Sponsor. Phin sponso"eyeans Out the 'l-Plan Administrator of die Plan ArtutWoms oftheEngdoyce Waniew income Smudq Act of 1974 (EM SA), BOT shaft not be responsible FOY (lie CM iscrt tic, ncez; of any action tn,l,cn or omitted by dic Plan Sponsor of Plan AWWWrttir in connection widi dic administration of the Plan, OaTlit if) the C,"Acrit Out sixT =don or omission I dic rmult or the Plan Spoirwr's reliance at) 1 01 to provirk: (lie no. rviccc sped Bed in EAWA A anti tliail indmmiify and hold DOI firomany Claim, expense or hubRiq, induding fbes,incun-cd by IMT ;5 a wrisequenev a aq mxh action a- on-iis-,jun by d)C PhIn SPOY150T. SnbjeCt to H in Hawn In VOW in cc prcccdi-11f .-.atcrue , 1301 rhali indernnilYAnil hold the Plan Sqnmr huams Acan a" chN, c"wre or HaWhy as a consequmcc of 1301',, Mdure, to pmvWe Te umvign spmHkd hi ExhIR A, 1. &wmAggy: TUN Agiverrurnt inay be madlIkil winuetided at antitne by an instrunwnl cx-MV by dw linaies and shn1l Were to the bane it of and be Wrdhg; tin W parbus ht eto and ten- mspcchve struccanoys andanAgns. nliy(hint; eke 11,",Ircin to 111L Contrary, th(, par des to this Agreclincritagrec Lo abide try LhC applicable. requiweients of Section:: 626 K-1,2•833 of tire Florida SLairfl.r.'S, ['0110VV�3: on, PyMants irmdc io 1301 of any preinjunis or R)r i--maficc I)Y or of bdialf of nny insured slnfll bt tic eined tofiavulnxil received by the Phin Spow};-, and any nturn pi-crtriou 'Inire papirtcnis liar wardedbyllic Plan b, d"awd tag line been p to Ow immed m dalrrisw umil such payrnow are recei-vul by die clahnant car instived, 13 AN I-C , 'I — -haqgs 3"lliCIT-11�MAX A, insuranc,,. (. , premiurns collected by 1301 an behalf of or for the Plmi Sponsor, and return prcininais rco-ivied f3ron-ithe Plan Spor3f:or, shall ba heW by 1301 in a (Idnciary capacity acrd such frrnd,; BMW hinwdiawly -n-inirced to the Ferson or persons crew d2d m sxid In& or, shnil be deI)ozited in a firinciary account esmbilshk and inn Whied by BC )l A a 5naricial I r I 10/1 C! K I 1\1 L E V/ 16 WE 11'rl:i :t.i,r!!ts501 ' pi e;lnrums dcloo`il ed in a litdn.Ny account have been LiAlenod nri lativi fof'oi i'orlaiat u that,twle Plar) Spfar� -ol, Itelll.ecp rccol'd , clearly kt:+ 17] "Cltlkty ths` d 17osits it) and 1'v'ithdks91' ll'_ imnit O'Ch account on ]aaa is t7f em Pwn Qx nor n A OR ui. r, ierls, em of all w`rla l Sponsor, flurni:stk tkrlch I'l:.dla Sporn-mr with dailies of recartls pri milihng, to dcpCl5l'i5 Puid withdrawi£ds ml NOW af°t1;- Or . uda Plan Spowor. §§j: B01 !.:11,111 not ptiy any c:inum by ", "J i the tl .r 4': a41 `la C.'<1a tIa F`fidlri, :lili'k' aa�:Calarat 3111[17 c K1�'a11. :;: i I + ?ri. s�tlrl li&dai-y rlavm" sliall bi made only in <Accordance ;.itla (1 1(, mrl tten tagrt sinew bcl eci3 1301 and the Plan Rrr° any of the f7,alltrs ing a) Rcruit`larlr_L 10 tdre flair to ` :Uch relvl rual7ct,: :.. b) Deposit 311 an occo -luli maint tincrl na th{! name of .suich plan Sponsor. {''f Tran",fer to mid d pow in a C"daan3`°pgbg a cco rtd., V it11 tiAms to be p lcl as pmvic3ed by sal ch Plan al on,,snr Lq Paty'dar +eN to 4a gm up policyhol(ier (car ri'nani°rrnicl'. to ,. e Plan Sponsor C) payment t {a 1301 of dw fou ", cak3nrninfon, or {:ltag s; ii^ a °iarted with 1301's scrITviccs. t} }veminan :l: of reMyn pan um sra data pemon o, peir- -ai s crilitcd 10''ilcla r2hum raerknium. h Iri tl i_ '4_�1l l 1 'Cif IT t ? Sts® Aits°i:lWI., paaitd lay '1301 h oun funds {_idle a d on lleiralforuie piao Sponsur Shrill he paid racily oit draft-;, of', and as author =it -ed ley: such Plan tiponsol -, f a 5 lk{ av t. ;td't 4 i t t + 17111@ b {4 (Li3 a!a 13Oj, ,. "laall maintain at it i f lJ!d :lliail pt<<:T oF biisincssk Cor th d1iration cal tilt Agremt n( and Car six (d) years tla,.rc.afiicr isdequine books ;acrd mcartis of all rmus:acdons belmun HCU, the Plan Sponso, and insured p.sls:i>ny Such books and me ords, 5h all I)r; made artxx4 i- ;iblle to 111:: Florida Deprtrnerit+oflrk m auce for we purPose tlrex amin ation, audit and irr,prsction, sulajc {:t to the recluireniLfitsr of Section 688.002 ormorida Stat iten'Flie Plan Sponsorslkall have tike ROI r[g;lat of can ill wig access to I n books and records maintaincd by BOI, suld dmit W purnil this Pkin Sponeor'to faalfill wild of its Contiactlrll obligations to insured lJer5C7ns, Mom xtis r os y :: When 7applicab :E`.; dt'Cing tl?i? lerni ofthj Agreerrlejjt, BOI shill piovidc a !.mitten notice approved by tae Plan `tpnnsor to is saiieal tlidivid=advising tlrakn of die identity of, andj-elationship, if my; asntara;; BOI, the policyhoIci :r and iaan 5poilsorr. "Where funds are ca llectecl 13y C',01, BOI' =:hall idcrrlidy artcd state separately in wr tinp„ to die payorofsnki funds„ Me aniour MCKINLEZY 17 or 1F slit ii d 1141 ly— Cii I3i"t.3itimm spulbd by Tv Phn :,(.,t.;lms I4 Ctli'r°Pagn 21 WRY"; ' ' . __._ °--�- t')_i,� Ca... s.�rxr5 [i``.. £'��7# �'� & {} tat '.�, VVI- It�:al dufilig tbc: wi–ro itl tbis ;,ny" policics, Ccl- Fk- ,v.tvS, bt70!d(, -LS, ? i "t +iSIi %Yi.li7lt i)(ii3O:t'i, 01' 0111RA `a°.'71ll;t.ii : "?`la lit !17`tii" i_!t.!3� drlivrl- d i)y i i,..t -1°111 `"yPOIT", Y t';J 110) klY d Ji, rly 1�i it li il'rry n[WH to r7taiti =a °rrd by BOT paw"Hy ,alts VM;:OI of 1'l.,0 0t'11.Mrs Boni Me Ph i ,yi'iiaii:; w a Wa'i ; =Yitfj Wt7t.iii °. m;, v 1p Uzi fDi'.i).A! WO I 17.itit' e};F'm aatlil!i° Agi'i:C', a;u : ". FA heE'lmi'to lh we r i F pk fj >y d J, A I_siti 4,�I "C,'. i'1:11 rp, dlf,1"r l7ltsW ;'t'tup: L C_°1`awe wAmbW Wir M of COBRA ifdrM Ww .1. E:"I(f PIi?11 SHMS in W S ire d?i %r CWT T (71 !3; rd7`;buth ztfr.TYlCaI lsa y is Ei`h'it r r.11hi!)la P;L1Mcipnnis dam lEi4o ):3njIs ;,�'�t -C 7Tb., ii .ti:? "77��s(r0 e7.._i- t ?3'fliil4'G ^,�'. t- ��t-vr7r€_' fairm.: iltn i C is"c i.,, - owcE's.iiy ), Pr ), Ac CU1.( .A ia37" nn , ft17° :itip,),,,t 77g Qualif -,ying E? cnt lllforl-nai iol-j !,)!',.7 ng '1tllAldtWw6(Jir: a- vaii:`it'.;r0,,1 Y!b'f! "lief' Lo L4ualifit to j ej7t.,.lt ?.;a °lt r O ! �:Ur(i ii 11(i ' "C't t' i i.alii:l t' €t >f:i ?L;3i' �� ',. (20e cc CUP '"j 13at,;4aY,Qns and cour ill o sy.,tE lrj d.t? erni42sll cou . ed for :'C'iilit[ 31"'. 1. its { In Yt?:'rss �fl, ..cod rt3l om, gal;; ):311,17 lt,'.t "riding Jre''n -jium lillCl «'rpaymc —"rit Fvilurii to i's'_ ° ." "dy Failure to (n tt e i3a3tial p:7ay,nenj l ra ?1 Ire to tl; l;.0 acg li7r pa ayincot l l : Provide Sul:alidi1 y eyc,rnt �ic�ti.lS�R;ttc }�! 12, Pi':'i)wc cil( €vcrI lion Inch c'- pLrior to a7ili:llnflit ---I!$ of CO1. R/ ft 1.f(1:71? if.dC..t l.i. Update ra '..• "i im p oi[il iJ1 3 :aiG's,,t rl 11 ,`_?C:nd I7[:7Uce of I ate Changy Call days in i:`;"p t"fi €c( 15, , WH CUBRA cnrc,lic7jt:lit p7:7c1 pia l,7r ri ; op 17 £ Y17 li <_7c7" C is 11nui8 vL.. e 4 1L °li C.�l7di41's a ticaldl iit.turanc ; ?.a.t'UL111tilfi;lity ACL ti W p ar and :110%. 1I1 A.A c�r� Clc Icr to COBRA p:ati k. pras tc7laiil coveriapic 4.°idlin the' -;t 17to7y geri,lcl. fdonddy `7La W r E I -an - - (COPRA ctancells r,ons vs i7mi•t cli3('i'p11.1klons) Ad FlocRepuTt 1K 14 I N � ' 19 .� E ©/§ < \ : N . L - » « »» . . «+ m �1 \ \; � Leg is /ate ive Updates � Pre-Existing coverage through the state's Pro-ExistilAg Condition Insurance Plan program run by the U.S. DepEirtill�-11t of Health and Human Services. |pguoVJy for coverage: ^ You rmust baa citizen or national c# the United States of lawfully pr ~ $en�'|nv��Unlk�dG�t�s * You must have been uninsured for at least the fast six months before you apply. ~ ' m YOU muot have had apndb1emgmthng insurance due toa pre-existing cong/Uon. PC|p will |cover obmad mfhedihben� it's to e,hnnp|t�care, and preochp�on �-- ��lcovered ,^.^"~.sare a"wouu/efor you, even /tv1ahrtmnatapreeximbn000nddinn oe|oware the mm»mthoy PC|Ppremmm rates for Florida by the age c4 art enrollee, Ages Qto 34: $363 Ages 35 to 44: $435 Ages 45to5 $558 Ages 55-4-: $773 ' benefits plan you will pnya $25 (ence[dforprvventiveae � adui r covered |n�ddidmntn your oontNyp�nium,ymu`m88 pay other uoyt�YouyU| pay m$2 500 ddbksfa cppayment/ordoctor visits, $4fo$3oAo7 most prescription drugs, and 2O% of 'the costs c« any other covered bame � m youQed�Yourout'uf^pockefCnstscAnocb*mu *sfham $5' 950 gryeac These costs may be higher, 'iƒ You gomuoide the plan's network, P _ ��mr insurance _,__\-From .,Rescinding Coverage- Effective September 23' 2O10 In o/o past, insurance companies Could search fo[on error, or other technical mistake, m»acuw�o meaapplic@dionamd"0e dh8m e/m'todgmypaYmentfo'senices when haor~he got 'sick. The new law maamozmu illegal. After «nedia/ Opudsui(e d incldenhscfbreusioanmarpaUenta|un|mgou«e/u ge` inSuxan ce companies mg|eodtmohdth|sprac#cohnmediate/y. Appealing Insurance COmnpanV Decisions- Effective September 23^ 281O. The law provides cm1SLonerm With avvay 10 appeal coverage determinations orciainns to their Insurance corripany, and establishes -an external review process, Preventing Disease and Illness- Funding Begins im 201U.A now $15hNionP/evanAion and �,obMuHwa)\hFumgw||| mvesnn proven prevan1icm and puW|ohea|ihprugrmmmm that can heip|vaepAc0m1cans|)ea|thy-honn Smo|dnQ cessation m combating obesity DeceMber 201 U WHAT' HAPPENE D SO FAR THAT HAS AFFECTED EMPLOYE' RS Federal Rate Review Process - In addition to the States reviewing rates, the Federal Government will now be part of the process. Small Busi"ess Tax Credit - Small employers with less than 25 full time or full time equivalents are eligible for a rebate on premiums paid for their employees. Elimination of Lifetime Benefit Maximums - No health plan can limit lifetime benefits. Restricted Annual Limits for Essential Benefits - Essential benefit limits are being phased Out through 2014. Recessions Prohibited - Insurers can no longer rescind coverage except for fraud. Cost Sharing for Preventive, ervices Prohibited - Wellness check-ups, cancer screenings, marnmograms, colonoscopies and other like services now have first dollar coverage. Dependant Coverage to Age 26 - Dependants now covered to age 26. Internal and External Appeal Processes - In addition to the, internal appeal process for insurers States now are establishing external appeal boards. Discrimination Based on Salary Prohibited - Employers must now offer like Plans to all employees. Emergency Services Covered at In-Network Cost- There is no longer air out=of network charge for emergency services, Pre-existing Conditions for Under 19 Prohibited - Insurers can no longer deny coverage for pre-existing conditions for children under age 19, this does not preclude them from charging additional premium. WHAT IS AHEAD FOR 2011 Uniform Coverage Documents and Definitions are Required - All insurers or employers if (self-insured) are required to provide employees with a uniform coverage document that is 4 pages long in 12 point type with the outline of coverage for their health plan. 85% Medici[ Loss Ratio for Large Group and 80% Medical Loss Ratio for Small Group with Rebating to the Employer - Requires that anything below the specified Loss Ratios be rebated to the employer. This is still in rule making and the debate continues as to what can be included in the Loss Ratio. W-2 Reporting Requirement - Employer provided health coverage is reportable on W-2s starting in January 2011; however the IRS is making this requirement optional for employers with no efiforcement actions for non- compliance. The new Health Care Reform Law isan ever unraveling thread. with each law comes a series ofimplications and requirements for employers. Some of these tasks will only require notification to your employees. On the other hand some will require policy changes within your organization. The Department of Health and Human Services has been given the awesome responsibility of shaping many of the guidelines for this enormous ball of Adult Children - Effective September 23 2010, the new legislation allows dependent children to remain nn their parents' policy until ;age 36 This provision does not require the child tobeastudent, Also the child can be married but the coverage does not extend to the spouse or any of the dependent's children. Pa,ent�vvi0be aV|uvved to re-enroll dependent children that were removed from coverage base on the old over-age dependent policy. Dependent children that fall into this category will be placed on the parent's policy and charged according to the employer's plan structure. Eligible dependents must enroll within 30 days of the beginning of the plan year ibeginning mmor the effective date of the provision. Children age to 3n may also be,enrolled in the employer plan but the insurance the �- bill separately for this group. Dependent Children with Pre-existing Conditions - insurers can no longer decline coverage tz children with pre-existing conditions. *Please note that some carriers will no longer offer their "child on|v'' plans (i.e. Blue Cross Blue 5hieUd). Adults - effective July l, 2010, individuals that have previously been denied coverage and have been uninsured for af least 6 months may apply for aPre-existing Condition Insurance Plan. These are individuol plans being offered by the Department of Health and Human Services. Premium information is scheduled to be released mid-July and the plans will be effective August 1, 2018. Removal of Lifetime and Restricted Annual limits — Effective September 23, 2010 Insurance carriers will have tm remove all lifetime limits on coverage. |n addition to insurance carriers removing lifetime U|nn|ts, they also must comply with restructuring their plans to remove specific annual limits that effect essential care. The specific areas that pertain to essential care is being determined by the Department of Health and Human Services and the effective dates mf these changes are yet toherevealed. $0 Cost for Preventive Services —New insurance plans will bo required tn cover preventive care Qt$U cost ld plan participants. Exactly what is covered at no cost is still in the hands of the Department of Health and Human Services (HHS). Flexible Spending Accounts — Effective January 1, 2011, Civer-the-Counter Medications no longer a qualified expense. Participants will no longer be able to claim reimbursements for over-the-counter medications from their flexible spending or health savings accounts unless prescribed by a physician. ME Health care reform requires employers to calculate and report the aggregate cost of applicable employer-sponsored health insurance coverage on employees' Form W-2s, Although the new rule applies for employees' tax years beginning after Dec. 31, 2010, payroll systems need to be updated for this change by January 2011. This deadline is imposed because employees are entitled to request their Form W-2s early if they terminate employment during the year, The IRS announced that it will defer the requirement to report the cost of coverage under an employer sponsored group health plan, making that reporting by employers optional in 2011. On November 3, 2010 President Obama indicated in his post election speech that perhaps the W-2 requirement may be too onerous for small employers and should be re-examined. Plans for which coverage costs must be reported under the new requirement include: Medical plans, Prescription drug plans. Executive physicals. On-site clinics if they provide more than minimal care. Medicare supplemental policies. Employee assistance programs. Coverage under dental and vision plans is included unless they are "stand-alone" plans. However, the cost of coverage under health flexible spending accounts, health savings accounts and specific disease or hospital/fixed indemnity plans is excluded from the reporting requirement. Post Election Update According to the Washington Post, Republicans have little chance of a full repeal of the Healthcare Reform Act. Florida's new Attorney General Pam Bondi has vowed to continue the lawsuit against the Federal Government, States have also realized gains in Republican representation in the legislature and Governorships which will also provide resistance to the reform. `cKinley Financial Set-vices, is ,11 all -lines full - service insurance agency that has provided insurance products and set-vices to individuals, businesses, and em players for the past 23 years Our agency provides coverage and service for: Individuals protecting their families, health, income, homes, and vehicles Business Owners protecting their property, vehicles, and key FULL-TIME' RA1111LOYME W; FLORIDA STATUTE , 627.6563 Full-time Employment Deftned Upon the request of the policyholder, a group, blanket, or franchise health insurance policy issued or delivered in this state that provides coverage to on employer for the benefit of its employees shall include in the definition of "full-time employee" an employee who has a normal workweek of 25 or o7ore hours. This section does not prohibit an insurer from excluding coverage for a temporary at- substitute employee. personnel Dear Valued Customer, Employers providing a Have you ever considered the State of Florida's Definition of "Full- gx comprehensive employee benefits time Employment" and what it means? The above excerpt, Florida portfolio Statute 62 7,6563, defines a full-time employee as one whose normal workweek is 25 or more hours. Special Risks and Events providing coverage forstudents on and off the field, events, -operty, and attendees PRODUCTS Individual - Life, Health, Annuities, Hoine, Auto Property & Casualty - Commercial Lines - General and Professional Liability, Bonding, Workers' Conn pensa tion, Commerciol Auto, Directors and Officers Personal Lines - Home, Auto Students and Sports✓Special Risk - Colleges, Universities, Schools, Athletic Teams, Special Events (concerts, golf tournaments, etc, Employers - Medical, Dental, Vision, Life, Short-term and Long- ,rm Disability, Worksite Wellness, Voluntary Benefits Recently, sonic health plan carriers have or will begin auditing employers' eligible employee population. The Audit will be based on the total number of eligible employees who meet this statute, to establish participation criteria. The State of Florida's definition of "Full-time Employment" is being strictly enforced, This application eliminates the employer's option to define their own "full-time" eligibility criteria. What does this mean for the employer? Employers that offer coverage will be required by their health plan to include all employees with a normal workweek of 25 hours or more as eligible For benefits. This would require that a greater number of employees participate or have other coverage in order for the group to be accepted by the health plan. Many carriers are conducting eligibility audits as well as payroll audits at the time of application to ensure enrollment requirements are met. The law has not changed; however, some health plans have changed their application and administration procedures. If you have any questions regarding this process, please contact our office at 954.938.2685 for assistance,. urt Lauder al , FL 33301 ey _ja5_ anc . 0 MCKINLEY . < } . Now is a great time for employees to McKinley Insurance Services are all gain a working knowledge of their bone- fits.. During open enrollment informa- working together to ensure that you have an opportunity to ask "OP questions ... tion is :presented about benefit changes, and get the assistance' needed to help Health Care Reform, and carrier Changes, you with your benefits inquiries. etc. During 2011, there will be several This is a lot of information to receive events and seminars giving you an �' Y B a and understand during the short open opportunity to get to know your bene enrollment season. The good news is that fits and how they can work best. for i � the City, your insurance providers and you and your fancily. _. to nit t Benefits on l�.x:dget Series 't�fl:�lt�S � ��> i Them, 1)0110ils Willzatiun worlc.hopl nic dce iglu:c1 to 'mtJsl You in Ah1 -,nd thrtiv vxcitiny tvd �n. hc�t� dud t ,n8aati,�. ye L!Ifl!"Mcc Yom ni - TIagiII(I t•ourour o pot lint ti ms zII d IIVty, Vt7,i tjot they mosI o1 of 1,110%- rlQ11rlc or pecTtoc- hs7alth i cle;tt d tcat?ics ' -and , iaH nge you to y°oui I'V11 ilS. k"1pn:we, and �Ot rna[ rt,lin a healthy Yif� 4tyfo. • January IIth . Emergency vs. Urgent Care February I7th February 8th Disability and Voluntary Benefits: April 2l th March 8th Prescription Drugs July 21th April 1 2th May I 7th Annua4 Health rain x o", 3t� r t Preventive Care - The best treatment for a condition or disease "An ounce of prevention is worth a pound of cure," Ben Franklin Today, given the rise in health care costs, prevention is probably worth that and a lot more. For years health care companies have been trying to engage more of their members to get preventive screenings:. In addition to the health care companies, many medical studies and statistics have drawn the same conclusion as Fen Franklin. Some employers have integrated incentives and contests into their benefits package to encourage employees to get an annual well- ness exam. The Federal Government has also weighed in on this principle by mandating that insurance compa- nies provide these services at $0 cost to the enrolled member, Undetected and /or improperly treated medical conditions are more costly to all involved. The doctors and hospitals because they will have to more spend time and resources treating the concli- tion that might have been a pre- ventable from a critical stage. The health care companies because more claims will be generated in relation to your treatment. Em- ployers because high claims cost affects. the next renewal, In addi- tion, to the claims, there is the pro- duction aspect whereas the em- ployer will have to pull from other resources to complete your as- signed work while you while you are out, All of these are good rea- sons to get preventive care; How- ever, the entity that pays the most is you and your household, Your health condition can add to or tape away from your duality of life. This is the best reason for getting your preventive screenings. Review your 2010 -2011 Benefits Guide for a more detailed list of covered Pte ventive Care Services; VJ t, Ith ai Z or rn Newsletter provided by Health Care Reform mandates are in effect for the employees of �\ICKINLEY the City of Riviera Beach. Employees and their families now ' have several new and/or enhanced benefits : 545 North Andrews Avenue 4, tj Fart Lauderdale, FL, 33301 A1� e'alll�uc'1l wellness exam 3t cost. Phone; 9,54 -935 -2685 etr 0 Dependent children to age 26 can remah-i on your plan `)'eam: "T t 4 No lifetime maaxlll'1Lim limitations on essential Benefits Your Service- i# m Emergency coverage member responsibility same for In Carram Miller, ext. 109 ciniller 1r rrackinleyinsurance:cosn alld out -of-- network Doretta Green, ext. 112 .'° tire; dgieenc+ alckilileyiitsa.araaacc. coin 4s,• LEY' Health & Wellness MCKINLEY d,_,_tU_111dlrdale, F—L3-330-1-- 9-54-938 2-685 - fax: 954-93-8-2695 # www.ii-Lckiiileyill,,s;urilice.com January 3, 2011 Re: Annual Health and Wellness Fair "SAVE THE DATE" & invite Dear Vendor Contact, McKinley Insurance Services in conjunction with the client invites you to participate as a vendor/carrier at their annual health fair. Please save the date, we want you to be there! The health fair will be held: Date: May 18, 2011 Time: 9:00 am — 12:00 pin Location: We are asking that all vendors provide a raffle item (max $25 value) to help make the event full and exciting for the employees. Healthy snacks and or fruit are also encouraged. We will provide a table and 2 chairs. Please confirm Your attendance by January 30, 2011. Please complete the following information. * Electricity yes 0 ❑No * Special Needs Please ernail or fax your response and specifications to: Email - _ _ k Fax - 954-938-2695 More information will be provided in mid-April, Thank you in advance for your cooperation and timely response. Sincerely, Carmen Miller Manager, Client Services ZO 10 WELLNESS INITIATIVE PROGRAM �a Together we achievestronger and healthier Is R affi s Wil 'IN IAXIISC) 4 Re 9tic ,' ; liart r . ✓ DONTM, IT 2 f 0 10 W'E1.,,LNESS INITIN111VE PROGRAM KICK----OFF MEETING Com,canci tejnsl h0W YOU Will bC moftva led and C1,110)'[11,41,-IS�cd to t al ticipafc EaC4 nionth the� progt,arn �vilL P,2 Provid.c Infornnatiforl on specific welhicss topics ot')portunifio, f " bi" voll, to i"ttlend lunch & kmi-I'l senmM vi f"at'll wellness Points foward prizes DATE. jammary2f,3, 2010 7z,00 arn 8.00 ant 8 15 ailn - -- 9, 15, ain-j. arn 0 3 o PUBLIC."'WORKS CITY HALL E c 1) DON rr 2010 Wellness Program rarticipant: Keep for your Records I WellneSs Program Outline Wellness Champion - a volunteer that will be an avid Seminar Challenge — During each seminar a challenge will be introduced. Each participant that meets the challenge will be awarded Seminar Challenge points. Prizes - will be awarded throughout the program. Notes Wellness Program Schedule January Wellness Program Introduction February American Heart Month March Cancer Awareness Month April Counseling Awareness (Mental Health) May Fitness & Sports Medicine/ Health Fair June Vision Awareness Month July HI /Betes Awareness (High Blood Pressure /Diabetes) August Night Out Against Crime /Personal Safety September October November December Asthma /Allergy Month Dental Hygiene Month Great American Smoke Out /Lung Cancer /Pulmonary Holiday Cheer Program Coordinated By: - -',' iAiCKlNLEY