Fully Insured Short- and Long-Term Disability Plans

The State of Colorado, through its Department of Personnel & Administration, is seeking fully insured short-term and long-term disability insurance plans and related administration services for approximately 39,500 eligible employees and dependents.

Colorado > Department of Personnel & Administration > State Purchasing and Contracts Office


General
Open (open)
RFP-AABA-2027000042
Oct 02, 2026 12:00 PM
Sep 01, 2026 12:00 PM
2 years 3 months base + 4 × 1 year options
Request for Proposal (RFP)
State
Ask AI about this solicitation
Original Solicitation Links
Contact
phil.rollins@state.co.us
Submission Instructions
Description

The State of Colorado is requesting proposals for fully insured, experience-rated, non-participating short-term disability (STD) and long-term disability (LTD) plans effective July 1, 2027. The selected offeror(s) must provide insurance, premium administration, claims adjudication and payment, customer service, underwriting, consulting, reporting, implementation, eligibility and data-system integration, training, communications, and transition support. The current plan designs include STD coverage at 60% of weekly earnings up to $3,000 per week with a 30-day elimination period and a 22-week maximum benefit period, and LTD coverage at 60% of monthly earnings up to $10,000 per month with a 180-day elimination period and benefits generally payable to age 65 or for a specified age-based period. Proposals must address coordination with Colorado FAMLI, PERA disability, workers' compensation, and Social Security benefits; return-to-work and rehabilitation programs; evidence-of-insurability workflows; claims and offset reporting; performance guarantees; accessibility; data security; and a five-year rate guarantee. Pricing must be submitted separately for STD and LTD using the provided cost exhibits.

Classification Codes
NAICS524114Direct Health and Medical Insurance Carriers
PSCG006Government Life Insurance Programs
Smart Codes
disability insurance plansclaims administration servicesemployee benefits administration
Specifications
Service Only
Timeline
Sep 1, 2026-Issue Date
Sep 15, 2026-Vendor Inquiry Submission Deadline
Sep 25, 2026-Intent to Bid Notification Deadline
Oct 2, 2026-Proposal Submission Deadline
Requirements
Required
  • Workers' Compensation
  • Employers' Liability
  • Commercial General Liability — $1,000,000.00
  • Automobile Liability — $1,000,000.00
  • Cyber/Network Security and Privacy Liability — $5,000,000.00
  • Professional Liability — $1,000,000.00
  • Crime Insurance — $1,000,000.00
Scored
  • Minimum 7 references
  • Client point of contact required for each reference
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