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Resolution No. 25-95RESOLUTION NO. 25-95 A RESOLUTION OF THE CITY OF ATLANTIC BEACH, FLORIDA, APPROVING EMPLOYEE HEALTH INSURANCE BENEFITS DELINEATED IN THE EXHIBIT A FOR THE PLAN YEAR BEGINNING JANUARY 1, 2026, INCLUDING THE FOLLOWING BENEFITS PROVIDED TO THE CITY EMPLOYEES AND THEIR FAMILIES THROUGH CIGNA, AND LIFE INSURANCE, AND EMPLOYEE ASSISTANCE PLAN BENEFITS PROVIDED BY THE CITY AT NO COST TO EMPLOYEES, AND OTHER INSURANCE COVERAGE OFFERED TO EMPLOYEES AT THEIR EXPENSE; AUTHORIZING THE CITY MANAGER TO EXECUTE CONTRACTS AND PURCHASE ORDERS IN ACCORDANCE WITH AND AS NECESSARY TO EFFECTUATE THE PROVISIONS OF THIS RESOLITION; AND PROVIDING AN EFFECTIVE DATE. WHEREAS, the City of Atlantic Beach seeks to provide the most cost-efficient and effective health benefits for employees and their families; WHEREAS, the City of Atlantic Beach pays for a substantial portion of the health insurance for employees; and WHEREAS, the City of Atlantic Beach desires to continue to utilize CIGNA as its health care provider as delineated in Exhibit A; and WHEREAS, the City also desires to provide life insurance and employee assistance plan benefits at no cost to employees as delineated in Exhibit A; and; WHEREAS, the City also desires to provide employees the option of participating in other insurance coverage, to include dental, vision, short-term and long-term disability, supplemental life, as well as several supplemental policies, all at their own expense, as delineated in Exhibit A. NOW THEREFORE, be it resolved by the City Commission of the City of Atlantic Beach as follows: SECTION 1. The City Commission hereby approves health insurance benefits delineated in Exhibit A for the plan year beginning January I, 2026, including the following: Benefits provided to City employees and their families through CIGNA; life insurance and employee assistance plan benefits provided by the city at no cost to employees; and other insurance coverage options offered to employees at their expense. SECTION 2. The City Commission hereby authorizes the City Manager to execute contracts and purchase orders in accordance with and as necessary to effectuate the provisions of this Resolution. SECTION 5. This Resolution shall take effect immediately upon its passage and adoption. Resolution No. 25-95 Page 1 of 2 PASSED AND ADOPTED by the City of Atlantic Beach, this 10th day of November, 2025. 1 Curtis Ford, May Attest/: Donna L. Bartle, City Clerk Attest: Jason ri 1, City Attorney Resolution No. 25-95 Page 2 of 2 4 Exhibit A N III ©2025 ARTHUR J. GALLAGHER $ CO. Renewal Summary Gallagher 2026 Plan Year Renewal EE/E Line of Cove e _Lag..Rate Act Medical Cigna 01/01/2026 ER/EE Renewal - 33.6% increase; Negotiated Renewal — � 20,�o increase Dental (PPO) Sun Life 01/01/2026 EE Renewal — 24.0% increase; Negotiated Renewal — 9.9% increase Dental (DHMO) Sun Life 01/01/2026 EE 0% change Vision Humana 01/01/2027 EE Rate Guarantee through 12/31/2026 Life and AD&D Standard 01/01/2027 ER Rate Guarantee through 12/31/2026 Voluntary Life and AD&D Standard 01/01/2027 EE Rate Guarantee through 12/31/2026 Vol. Short Term Disability Sun Life 01/01/2026 EE 0% change Vol. Long Term Disability Sun Life 01/01/2026 EE Rate Guarantee through 12/31/2026 Vol. Accident Standard 01/01/2026 EE Rate Guarantee through 12/31/2026 Vol. Hospital Indemnity Standard 01/01/2026 EE Rate Guarantee through 12/31/2026 Vol. Critical Illness Standard 01/01/2026 EE Rate Guarantee through 12/31/2026 Employee Assistance Health Advocate 01/01/2026 ER Renewal — 9.62% increase Program 5 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ® ©2025 ARTHUR J. GALLAGHER & CO. Renewal Workbook AJG.com 22025 ARTHUR J. GALLAGHER &CO. :1 1prr"7m ARTHUR J. GALLAGHER & CO. Medical Plans Current Summary — Cigna Q�) Gallagher ©2025 ARTHUR J. GALLAGHER & CO. 8 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ,..,. CUR Carrier Name Cigna ............... .............. Plan Name ........... OAPIN LOW OAPIN MID OAP HIGH ........... ._... _._......._...,.............._.........._.........._......_.. .............. ................ ....... _......... Plan Creditabili Statu ............. ...... PLAN DESIGN' In -Network Benefits Open Access Plus Open Access Plus Open Access Plus Deductible Type Embedded Embedded Embedded Calendar Year (CY) Deductible (Individual / Family) $2,000 / $4,000 $500 / $1,000 $2,000 / $4,000 Out -of -Pocket Max Type Embedded Embedded Embedded CY Out -of -Pocket Max (Individual I Family) $5,500 / $11,000 $4,000 / $8,000 $6,000 / $12,000 Coinsurance member pays after deductible 20% 10% 30% Preventive Care Covered 100% Covered 100% Covered 100% Primary Care Visit $30 Copay $25 Copay $30 Copay Specialist Visit $60 Copay $50 Copay $60 Copay Urgent Care $50 Copay $50 Copay $75 Copay $300 Copay $150 Copay $350 Copay Emergency Room (Copay waived if admitted) (Copay waived if admitted) (Copay waived if admitted) Inpatient Hospital 20% after deductible 10% after deductible 30% after deductible Outpatient Sure 20% after deductible 10% after deductible 30% after deductible $60 Copay $50 Copay $60 Copay Chiropractic (visit limits may apply) (40 visits) (40 visits) (40 visits) Outpatient: $60 Copay; Outpatient: $50 Copay; Outpatient: $60 Copay; Inpatient: 20% after deductible Inpatient: 10% after deductible Inpatient: 30% after deductible PhyslOcc/Speech Therapy (visit limits may apply) (Outpatient: Combined 40 visits; (Outpatient: Combined 40 visits; (Outpatient: Combined 40 visits; Inpatient: 60 days) Inpatient: 60 days) Inpatient: 60 days) Office: $30 Copay; Office: $25 Copay; Office: $30 Copay; Diagnostic Test (X-ray, blood work) Independent lab/ Outpatient: Covered Independent lab/ Outpatient: Covered Independent lab /Outpatient: Covered 100% 100% 100% Imaging CT/PET scan MRI $250 Copay $250 Copay $200 Copay Prescription Drug Benefit Retail 30 Days 30 Days 30 Days Tier 1 / Tier III Tier III $10 / $35 / $70 $10 / $35 / $70 $10 / $35 / $60 Specialty $10 / $35 / $70 $10 / $35 / $70 $10 / $35 / $60 Mail Order 90 Days 90 Days 90 Days Tier I / Tier III Tier III $25 / $88 / $175 $25 / $88 / $175 $25 / $88 / $150 Out -of -Network Benefits Deductible Type N/A N/A Embedded CY Deductible (Individual / Family) N/A N/A $4,500 / $9,000 Out -of -Pocket Max Type NIA N/A Embedded CY Out -of -Pocket Max (Individual I Family) N/A N/A $6,250 / $12,500 Coinsurance member a s after deductible N/A N/A 50% COST ANALYSIS PEPM Rates - Enrollment per Renewal Plan 1 Plan 2 Plan 3 OAPIN LOW OAPIN MID OAP HIGH Employee (EE) Only 46 24 3 $926.66 $1,043.37 $920.78 EE + Spouse 6 9 1 $2,210.64 $2,488.37 $2,196.56 EE + Child(ren) 9 5 2 $1,708.20 $1,922.94 $1,697.33 EE + Family 4 4 0 $2,899.16 $3,263.23 $2,880.71 Total Enrollment 65 42 6 Estimated Monthly Premium $82,861 $70,104 $8,354 Estimated Annual Premium $994,328 1 $841,246 $100,243 Dollar Difference from Current Percent Chan a from Current CURRENT Total Combined Annual Cost Estimated Annual Premium $1,935,816 Dollar Difference from Current Percent Change from Current ©2025 ARTHUR J. GALLAGHER & CO. 8 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. Medical Plans Renewal Summary — Cigna Gallagher Na ........................................ ...... I ...................................... ............C..arrier . .CI PIN LOW(3T471�?q ........... PNW�.Rl) .......... P HIGH (3T471323) ............... I... ... ....................................... .. .........pi�n Plan Creditalb Statu ............I ........... PLAN DESIGW In -Network Benefits Open Access Plus Open Access Plus Open Access Plus Deductible Type Embedded Embedded Embedded Calendar Year ICY) Deductible (individual / Family) $2,000 / $4,000 $500 / $1,000 $2,000 / $4,000 Out -of -Pocket Max Type Embedded Embedded Embedded C YOut-of-pocket Max (individual / Family) $5,500 / $11,000 $4,000 / $8,000 $6,000 / $12,000 Coinsurance oinsurance (member pays after deductible) 20% 10% 30% Preventive Care Covered 100% Covered 100% Covered 100% Primary Care Visit $30 Copay $25 Copay $30 Copay Specialist Visit $60 Copay $50 Copay $60 Copay Urgent Care $50 Copay $50 Copay $75 Copay $300 Copay $150 Copay $350 Copay Emergency Room (Copay waived if admitted) (Copay waived if admitted) (Copay waived if admitted) Inpatient Hospital 20% after deductible 10% after deductible 30% after deductible Outpatient Surgery 20% after deductible 10% after deductible 30% after deductible $60 Copay $50 Copay $60 Copay(40 Chiropractic (visit limits may apply) visits) (40 visits) (40 visits) Outpatient: $60 Copay, Outpatient: $50 Copay, Outpatient: $60 Copay: Inpatient: 20% after deductible Inpatient: 10% after deductible Inpatient: 30% after deductible Phys/Occ/Speech Therapy (visit limits may apply) (Outpatient: Combined 40 visits; (Outpatient Combined 40 visits. (Outpatient: Combined 40 visits; Inpatient: 60 days) Inpatient 60 days) Inpatient: 60 days) Office: $30 Copay. Office: $25 Copay, Office: $30 Copay; Diagnostic Test (X-ray, blood work) Independent lab / Outpatient: Covered Independent lab / Outpatient: Covered Independent lab / Outpatient Covered 100% 100% 100% Imaging (CT/PET scan, MRI) $250 Copay $250 Copay $200 Copay Prescription Drug Benefit Retail 30 Days 30 Days 30 Days Tier I / Tier 11 Tier 111 $10 $35 $70 $10 I $35 $70 $10 $35 $60 Specialty $10 $35 $70 $10 $35 $70 $10 $35 $60 Mail Order 90 Days 90 Days 90 Days Tier I / Tier 11 Tier 111 $25 / $88 / $175 $25 / $88 / $175 $25 / $88 / $150 Out -of -Network Benefits Deductible Type N/A N/A Embedded CY Deductible (individual / Family) N/A N/A $4,500 / $9,000 Out-of-pocket Max Type N/A N/A Embedded CY Out-of-pocket Max (individual / Family) N/A N/A $6,250 / $12,500 Coinsurance 'member na after deductible N/A 50% COST ANALYSIS PEPM Rates - Enrollment per Renewal Han 1 Plan 2 Plan 3 OAPIN LOW (37471320) OAPIN MID (37471326) CAP HIGH (37471323) Employee (EE) Only 46 24 3 $1,273.43 $1,336.37 $1,306.66 EE +Spouse 6 9 1 I $3,037.90 $3,187.16 $3,117.09 EE + Child(ren) 9 5 2 $2,347.44 $2,462.95 $2,408.64 EE + Family 4 4 0 $3,984.08 $4,179.63 $4,087.95 Total Enrollment 65 42 6 Estimated Monthly Premium $113,868 $89.791 $11,854 Estimated Annual Premium $1,366,422 $1,077,487 $142,252 Dollarfrom Current 0 'a Difference $372,094 $236,241 $42,009 Chn-e from Current Percent 37.4% 1 28.1% 1 41.9% Total Combined Annual Cost RENEWAL Estimated Annual Premium $2,586,161 Dollar Difference from Current$650,344 Percent Change from Current 33.6% (02025 ARTHUR J. GALLAGHER & CO. 9 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. N& Medical Plans Negotiated Renewal Summary —Cigna Gallagher ©2025 ARTHUR J. GALLAGHER & CO. 3 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. '4 Carrier NameCigna Plan Name OAPIN LOW (37471320) OAPIN MID (37471326) OAP HIGH (37471323) . Plan Creditabliltv Statu PLAN DESIGN* In -Network Benefits Open Access Plus Open Access Plus Oen Access Plus Deductible Type Embedded Embedded Embedded Calendar Year (CY) Deductible (Individual /Family) $2,000 / $4,000 $500 / $1,000 $2,000 / $4,000 Out -of -Pocket Max Type Embedded Embedded Embedded CY Out-of-pocket Max (Individual I Family) $5,500 / $11,000 $4,000 / $8,000 $6,000 / $12,000 Coinsurance member pays after deductible 20% 10% 30% Preventive Care Covered 100% Covered 100% Covered 100% Primary Care Visit $30 Copay $25 Copay $30 Copay Specialist Visit $60 Copay $50 Copay $60 Copay Urgent Care $50 Copay $50 Copay $75 Copay $300 Copay $150 Copay $350 Copay Emergency Room (Copay waived if admitted) (Copay waived if admitted) (Copay waived if admitted) Inpatient Hospital 20% after deductible 10% after deductible 30% after deductible Outpatient Sure 20% after deductible 10% after deductible 30% after deductible $60 Copay $50 Copay $60 Copay Chiropractic (visit limits may apply) (40 visits) (40 visits) (40 visits) Outpatient: $60 Copay; Outpatient: $50 Copay; Outpatient: $60 Copay; Inpatient: 20% after deductible Inpatient: 10% after deductible Inpatient: 30% after deductible Phys/Occ/Speech Therapy (visit limits may apply) (Outpatient: Combined 40 visits, (Outpatient: Combined 40 visits; (Outpatient: Combined 40 visits; Inpatient: 60 days) Inpatient: 60 days) Inpatient: 60 days) Office: $30 Copay; Office: $25 Copay; Office: $30 Copay; Diagnostic Test (X-ray, blood work) Independent lab / Outpatient: Covered Independent lab / Outpatient: Covered Independent lab / Outpatient: Covered 100% 100% 100% Imaging CT/PET scan MRI $250 Copay $250 Co a $200 Co a Prescription Drug Benefit Retail 30 Days 30 Days 30 Days Tier I / Tier II I Tier III $10 / $35 / $70 $10 / $35 / $70 $10 / $35 / $60 Specialty $10 / $35 / $70 $10 / $35 / $70 $10 / $35 / $60 Mail Order 90 Days 90 Days 90 Days Tier I / Tier II 1 Tier III $25 / $88 / $175 $25 / $88 / $175 $25 / $88 / $150 Out -of -Network Benefits Deductible Type N/A N/A Embedded CY Deductible (Individual I Family) N/A N/A $4,500 / $9,000 Out-of-pocket Max Type N/A N/A Embedded CY Out-of-pocket Max (Individual I Family) N/A N/A $6,250 / $12,500 Coinsurance member nays after deductible N/A N/A 50% COST ANALYSIS PEPM Rates - Enrollment per Renewal Plan 1 Plan 2 Plan 3 OAPIN LOW 37471320 OAPIN MID 37471326 OAP HIGH 37471323 Employee (EE) Only 46 24 3 $1,037.86 $1,168.57 $1,031.27 EE + Spouse 6 9 1 $2,475.92 $2,786.97 $2,460.15 EE + Child(ren) 9 5 2 $1,913.18 $2,153.69 $1,901.01 EE + Family 4 4 0 $3,247.06 $3,654.82 $3,226.40 Total Enrollment 65 42 6 Estimated Monthly Premium $92,804 $78,516 $9,356 Estimated Annual Premium 1 $1,113,647 $942,194 $112,272 Dollar Difference from Current 1 $119,320 $100,948 $12,029 Percent Chan a from Current 12.0% 12.0% 12.0% Total Combined Annual Cost NEGOTIATED RENEWAL Estimated Annual Premium $2,168,113 Dollar Difference from Current $232,296 Percent Change from Current 12.0% ©2025 ARTHUR J. GALLAGHER & CO. 3 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. '4 0 r/ -41%b -�7 AJG.com '�72025 ARTHUR J. GALLAGHER & CO. Dental Plan Negotiated Renewal Summary —Sun Life (PPO); Gallagher 'NOTE: Benefit deviations from Current are identified in blue font '"ExclusionsAimitations may apply 18 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ©2025 ARTHUR J. GALLAGHER & CO. . AL Carrier NameJ Sun Life Plan Name Dental PPO Plan PLAN DESIGN* Network INN OON [Network Name] Calendar Year (CY) Deductible (Individual / Family) $50/$100 $50/$100 Annual Maximum $1,500 $1,000 Coinsurance Preventive Services 100% 100% Cleaning Frequency 1 per 6 months 1 per 6 months Deductible Waived? Yes Yes Basic 80% 80% Periodontal Maintenance / Periodontal Maintenance / Periodontics (Non -Surgical): Periodontics (Non-Surgical): Periodontics o Scaling and Root Planning: 80%-, o Scaling and Root Planning: 80%; Surgical Periodontics: 50% Surgical Periodontics: 50% Endodontics 50% 50% Major 50% 50% Major Waiting period Late Entrant: 12 Months Late Entrant: 12 Months Implants Not Covered Not Covered Orthodontics Not Covered Not Covered Maximum Age N/A N/A Deductible N/A N/A Lifetime Max N/A N/A Ortho Waiting Period (MAC) 45% off the 80th Percentile of the Usual and Customary OON Reimbursement Level Charge COST ANALYSIS PEPM Rates - Enrollment per Renewal document Plan 1 Dental PPO Plan Employee (EE) Only 23 $28.89 EE + 1 Dep 15 $55.65 EE + Family 12 $91.46 50 Total Enrollment Estimated Monthly Premium $2,597 Estimated Annual Premium $31,161 Dollar Difference from Current $2,809 Percent Change from Current 9.9% 'NOTE: Benefit deviations from Current are identified in blue font '"ExclusionsAimitations may apply 18 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ©2025 ARTHUR J. GALLAGHER & CO. Dental Plan Current/Renewal Summary — Sun Life (DHM0)4Gr_,) Gallagher RENEWAL Sun Life PLUS Plan $0/$0 during regularly scheduled hours (None): $10 Copay; after regularly scheduled hours (D9440): $40 Copay $0 Copay Adult and Child: $0 Copay; Additional Prophylaxis: $25 Copay N/A $10 - $55 Copay $15 - $100 Copay $100 - $495 Copay $135 - $245 Copay $265 Copay (D2740 - D2792) ($25 Copay - Repair D2980) $295 - $400 Copay (D5110 - D5214) $2,000 / $2,200 Copay (Bracketing - $300 PLUS Plan $9.97 $16.86 $28.57 $627 $7,529 $0 0.0% Calendar Year (CY) Deductible (Individual / Diagnostic & Preventive Office Visit (130999) Exams (130120) Cleanings (131110/1120) Deductible Waived? Basic Restorative Fillings (D2140-2332) Extractions (D7111-7240) Periodontics (D4341-4260, 4261) Endodontics Root Canal (D3310-3330) Major Crowns (D2710-2794) Dentures (D5110-5226) Orthodontia (138080/138090) PEPM Rates - Enrollment per AMP Employee (EE) Only EE + 1 Dep EE + Family Estimated Monthly Premium Estimated Annual Premium Total Enrollment Carrier Name Plan Name Network Name Enrollment 30 11 5 46 Dollar Difference from Current Percent Chanqe from Current CURRENT Sun Life PLUS Plan $0/$0 during regularly scheduled hours (None): $10 Copay; after regularly scheduled hours (D9440): $40 Copay $0 Copay Adult and Child: $0 Copay; Additional Prophylaxis: $25 Copay N/A $10 - $55 Copay $15 - $100 Copay $100 - $495 Copay $135 - $245 Copay $265 Copay (D2740 - D2792) ($25 Copay - Repaii D2980) $295 - $400 Copay (D5110 - D5214) $2,000 / $2,200 Copay (Bracketing - PLUS Plan $9.97 $16.86 $28.57 $627 7.529 "Exclusions/limitations may apply ©2025 ARTHUR J. GALLAGHER & CO. 20 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. Vision Plan Current/Renewal Summary — Humana G-) Gallagher ©2025 ARTHUR J. GALLAGHER & CO. 21 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. C ENT / RENEWAL Carrier Name Humana ......... ..._ _ _....... ..... . Plan Name . ......__ ...... ._.................... Humana Vision 130 PLAN DESIGN* Network Name INN OON Exam (including eyewear exam) Frequency 12 Months 12 Months Benefit $10 Copay Reimburse up to $30 Lenses Materials Copay $15 Copay Frequency 12 Months 12 Months Single $15 Copay Reimburse up to $25 Bifocal $15 Copay Reimburse up to $40 Trifocal $15 Copay Reimburse up to $60 Standard Progressive $15 Copay Reimburse up to $40 Frames Frequency 24 Months 24 Months Allowance Up to $130 plus 20% off Reimburse up to $65 Contact Lenses Frequency 12 Months 12 Months Conventional: Up to $130 plus Allowance 15% off; Reimburse up to $104 Disposable: Up to $130 Medically Necessary Covered in full Reimburse up to $200 Separate Fitting Allowance Standard: Up to $40; Premium: 10% off retail N/A COST ANALYSIS PEPM Rates - Enrollment per AMP Enrollment Humana Vision 130 Employee (EE) Only 49 $5.93 EE + Spouse 13 $11.87 EE + Child(ren) 12 $11.27 EE + Family 12 $17.71 86 Total Enrollment Estimated Monthly Premium $793 Estimated Annual Premium $9,512 ©2025 ARTHUR J. GALLAGHER & CO. 21 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. Life and AD&D Plan Current/Renewal Summary — Standard Insurance Company Gallagher 22©2025 ARTHUR J. GALLAGHER & CO. The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. CURRENT / RENEWAL Standard Insurance Company Carrier Name PLAN DESIGN Employee Life Benefit 1 x Annual earnings to max $50,000 AD&D Benefit Same as Life amount Benefit Reduction Schedule 35% at age 65-69; 50% at age 70-74-,65% at (% benefit reduces by at age) age 75+ Definition of Earnings Basic Annual Earnings Waiver of Premium Included Accelerated Benefit Amount 75% to max $500,000 Convertible/Portable Included Suicide Exclusion Included / 24 Months Leave of Absence Maximum Duration 60 Days COST ANALYSIS Covered Lives per CURRENT/RENEWAL AMP Life Volume 125 $5,771,200 AD&D Volume 125 $5,771,200 Life Rate Per $1,000 Vol $0.175 AD&D Rate Per $1,000 Vol $0.030 Estimated Monthly Premium $1,183 Estimated Annual Premium $14,197 22©2025 ARTHUR J. GALLAGHER & CO. The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. Voluntary Life and AD&D Plan Current/Renewal Summary — Standard Insurance Company4Q i Gallagher 23 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ® 02025 ARTHUR J. GALLAGHER & CO. Carrier Name Standard Insurance Com an - LAN DESIGN* Employee Benefit Increments $10,000 Benefit Maximum $200,000 Guarantee Issue $70,000 AD&D Benefit Same as Voluntary life amount Benefit Reduction Schedule 35% at age 65 - 69; 50% at age 70 - 74; 65% at age 75+ /° benefit reduces by ata e Spouse Benefit Increments $5,000 Benefit Maximum $100,000 not to exceed 100% of EE's amount Guarantee Issue $10,000 AD&D Benefit Same as Voluntary life amount Based on Employee or Spouse Age Benefit Reduction Schedule 35% at age 65 - 69; 50% at age 70 - 74; 65% at age 75+ benefit reduces b at age Dependent child up to age 21 (to 25, if considered a student)! $10,000 Child Benefit (Life/AD&D) not to exceed 100% of EE's amount Termination Age Definition of Earnings Basic Annual Earnings Waiver of Premium Included Accelerated Benefit 75% to max $500,000 Conversion/Portability Included Continuity of Coverage Included Suicide Exclusion I Included / 24 Months Leave of Absence Maximum Duration 60 Days COST ANALYSIS Voluntary Rates per $1,000 Covered M iives per Employee Spouse AP Range .(spouse based on EE's age) . ............................................................................................................................. .... _.... _........ ..............Age 0-19 $0.067 $0.067 .......................$0.067...................... ...................................................................................................................................20 - 24 .....................$0.067....................... ........................$0.067 ...................... .......................................................................................................................................25 - 29 ........................$0.067....................... .......................$0.086 ...................... ......................................................................................................................................30-34 ........................$0.086....................... ....................................................................................................................................................... 35-39 .............................................................................................................................. $0.133 $0.133 ....................................................................................................................................................... 40-44 EE: 18; ...........................................-...............................................................I................. $0.247 ...................................................... .... $0.247......................... .................................................................................................................................... - 49 SP: 5; ............... $0.418.................................................. $0.41.8.......................... .................................................................................................................................45 50-54 Dep: 7 $0.703 $0.703.......................... 55 - 59 ................................................... $1.083 $1.083...................... ....................................................................................................................................... 60 - 64 .......................$1.700 ....................... ........................$1.700 ...................... ..............�3 ...................................................................................................................................... fi5.- 69 ........................$3.050 ....................... 656 .................$5.463...................... ......................................................................................................................................70 _ ... ........................$5.463....................... .....................................................................................................................................75 - 79 ........................$5.463....................... $5.463...................... ........................$5.463 ...................... ...................................................................................................................................80+ .............$5.463 ...................... Child Rate $1.000 ...............t+6................................................. AD&D Rate Em to ee I Spouse / Child ..................................................................................................................................................................................................0 $0.040 / $0.040 / $0.040 23 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ® 02025 ARTHUR J. GALLAGHER & CO. Short Term Disability Plan Current/Renewal Summary — Sun Life G,) Gallagher 24©2025 ARTHUR J. GALLAGHER & CO. The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. CURRENT RENEWAL Carrier Name Sun Life Sun Life PLAN DESIGN* Benefit 60% to max $1,500 60% to max $1,500 Elimination Period Illness 14 Days 14 Days Injury 14 Days 14 Days Duration of Benefits 11 Weeks 11 Weeks Features and Limitations Definition of Earnings Basic Weekly Earnings Basic Weekly Earnings Total and Partial Disability Partial: Included Partial: Included Pre -Existing Condition Limitation 3/12 3/12 Portable Not -Included Not -Included Convertible Not -Included Not -Included COST ANALYSIS Covered Lives per CURRENT RENEWAL Renewal document Volume 13 $9,585 $9,585 Rate Per $10 of Covered Benefit $0.469 $0.469 Estimated Monthly Premium $450 $450 Estimated Annual Premium $5,394 $5,394 Dollar Difference from Current $0 Percent Change from Current 0.0% 24©2025 ARTHUR J. GALLAGHER & CO. The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. Voluntary Long Term Disability Plan Current/Renewal Summary — Sun Life Gallagher 'NOTE: Benefit deviations from Current are identified in blue font 25 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ©2025 ARTHUR J. GALLAGHER & CO. CURRENT RENEWAL Carrier Name Sun Life Sun Life PLAN DESIGN* Benefit 60% to max $6,000 600 to max $6,000 Elimination Period 90 Days 90 Days Duration of Benefits SSNRA SSNRA Own Occupation Continuation 24 Months 24 Months Features and Limitations Definition of Earnings Basic Monthly Earnings Basic Monthly Earnings Definition of Disability "Or" Definition of Disability "And" Definition of Disability Total and Partial Disability Partial: Included Partial: Included Return to Work 12 Months 12 Months Workplace Modification Benefit $5,000 $5,000 Rehabilitation Benefit 10% increase in monthly benefit 10% increase in monthly benefit Minimum Benefit $50 $50 Pre -Existing Condition Limitation 3/12 3/12 80% Own occupation / 60% Any 80% Own occupation / 60% Any Earnings Test Occupation Occupation Social Security Integration Direct Family Direct Family Disability Limitations Mental Health 24 Months 24 Months Substance Abuse 24 Months 24 Months Self -Reported 24 Months 24 Months Recurrent Disability Included Included Waiver of Premium Included Included COST ANALYSIS Voluntary Rates Covered Lives CURRENT RENEWAL Renewal document Age Range ..-__ ...$0.2..1...........$0.21.. _.0............................ ............................0............................. ................_..............................................................................0.-.19. ........................................... ..................................................................................... I...... 20-24$0.210 ............................................................................................................................................................ $0.210 ............. I............................. ....................................................................................................................................... 25..... 29 .... .............. ............................................................................................... $0.210.....................................I.......................... $0.210 ................................. ...................................................................................................................... 30-34 ................................ $0.313 $0.313 ..........................................................................................................................I............ 35-39 ............................................................................................................................................................ $0.522 $0.522................................ ................................................................................................................40..44 .................................... ............................ $0.798 ....................... $0.798 ....................................................................................................................................... 5-49 4........5..........-.-....4..9... 29 ............................................................................................................................................................ $1.111 $1.111 ........................................................................................................................50 .. 54 ..........................$1.437.................................................................$1.437................................ ........................................................................................................................55.59 ......... ......................$1.8.1.fi.................................................................$.1.8.1................................... 60-641 ............................................................................................................................................................ $.516 $1.516 ................................. ........................................................................................................................65-69 ................................$1.201..................................................................... ........................................................................................................................70 - 74 ............................................................................................................................................................ $1.045 $1.045 ................................................................................................................75-79 ...I............................ $1.045.................................................................$'1.045................................ .................. ...............$1.045................................ ..............-.............................................................................................................. 80+. .................................................. .............. ............ .. 'NOTE: Benefit deviations from Current are identified in blue font 25 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ©2025 ARTHUR J. GALLAGHER & CO. Voluntary Benefits Renewal Highlights Employee Assistance Provides up to 6 face to face visits with qualified professional per issue per year per covered member. 2025 Rate - $1.35 PEPM program 2026 Rate - $1.48 PEPM Provides a range of fixed, lump -sum benefits for injuries resulting from a covered accident paid directly to the insured. Voluntary Accident Coverage is 100% employee paid and includes Wellness Benefit Monthly Rates: Employee Only $6.47; Emp/Spouse $10.25; Emp/Children $12.06; Family $19.00 (No Increase) Provides a fixed, lump -sum benefit upon diagnosis of a covered critical illness which can include heart attack, stroke, major organ failure, MS, stroke, ALS, life threatening cancer and more. Benefit Amount: Employee -Increments of $10,000 to $20,000 max; Spouse/Child - 50% of Employee's Amount Voluntary Critical Illness Guaranteed Issue: Employee $20,000; Spouse $10,000, Children $10,000 Employee must have coverage in order for spouse or dependent children to be covered. Member may not have coverage as both the employee and spouse. Rates are Age Banded for Employee and Spouse, and increase at each 5 -year age band. (No Increase) Provides a range of fixed, lump -sum daily benefits to help cover costs associated with a hospital admission, including room and board costs. Benefits are paid directly to the insured following a hospitalization that meets the criteria for benefit payment Voluntary Hospital Guaranteed issue and no pre-existing conditions exclusions Indemnity ospital Admission Benefit: $1,000 (1x per coverage year); Hospital Room & Board/Critical Care Unit Daily Benefit: $100 (31 days max er coverage year) onthly Rates: Employee Ony $7.37; Emp/Spouse $12.49; Emp/Children $10.29; Family $18.43 (No Increase) 26 Gallagher Compliance Highlights �� Gallagher ©2025 ARTHUR J. GALLAGHER & CO. 28 Renewal Timeline 4IGrJ Gallagher ActivityIiTarget Renewal Strategy Meeting September 9, 2025 Marketing Presentation October 22, 2025 Renewal Decisions October 27, 2025 • October Board Meeting October 27, 2025 Open Enrollment Preparation • New Carrier application, if applicable October 29, 2025 • Materials due (Employee Guide, Election Forms) November 3, 2025 • GIS Navigator updates completed (10 days) November 12, 2025 Annual Open Enrollment November 12-26 • Meeting Dates Week of November 12th Renewal Execution December 15, 2026 Renewal Effective Date January 1, 2026 ©2025 ARTHUR J. GALLAGHER & CO. 31 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ,kT.-;; Gallagher 11 ► (02025 ARTHUR J. GALLAGHER & CO. A.M. Best Rating 4G,) Gallagher roup 1 A - to A++ Rewromended Group 2 B + to B ++ and/or financial rating under "VI", or any of Best's Acceptable with signed client "NR" group.This would apply to Best's "A- or higher" rated companies with a financial size under "VI". acknowledgement letter Financial Strength Ratings l:' ' � '' Secure Vulnerable A++, A+ (Superior) B, B - (Fair) A, A -, A U (Excellent) C++, C+ (Marginal) B++, B+(Very Good C, C - (Weak) Financial Class Size Category Adjusted Policyholders' Surplus I Less than $1 Million II $1 to $2 Million III $2 to $5 Million IV $5 to $10 Million V $10 to $25 Million VI $25 to $50 Million VII $50 to $100 Million VIII $100 to $250 Million IX $250 to $500 Million X $500 to $750 Million XI $750 to $1,000 Billion XII $1,000 to $1,250 Billion XIII $1,250 to $1,500 Billion XIV $1,500 to $2,000 Billion XV $2,000 or greater Billion NR Not Rated 35® ©2025 ARTHUR J. GALLAGHER & CO. The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. General Disclaimers 46�) Gallagher Coverage Disclaimer This proposal is an outline of the coverages proposed by the carrier(s) based upon the information provided by your company. It does not include all the terms, coverages, exclusions, limitations, and conditions of the actual contract language. See the policies and contracts for actual language. This proposal is not a contract and offers no contractual obligation on behalf of GBS. Policy forms for your reference will be made available upon request. Renewal / Financial Disclaimer This analysis is for illustrative purposes only, and is not a proposal for coverage or a guarantee of future expenses, claims costs, managed care savings, etc. There are many variables that can affect future health care costs including utilization patterns, catastrophic claims, changes in plan design, health care trend increases, etc. This analysis does not amend, extend, or alter the coverage provided by the actual insurance policies and contracts. See your policy or contact us for specific information or further details in this regard. Legal The intent of this analysis is to provide you with general information regarding the status of, and/or potential concerns related to, your current employee benefits environment. It should not be construed as, nor is it intended to provide, legal advice. Laws may be complex and subject to change. This information is based on current interpretation of the law and is not guaranteed. Questions regarding specific issues should be addressed by legal counsel who specializes in this practice area. 36 The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. ® ©2025 ARTHUR J. GALLAGHER & CO. FOR INSMUTIONAL USE ONLY. NOT FOR PUBUC DISTRIBUTION. © Copyright 2024 Arthur J. Gallagher & Co. and subsidiaries. All rights reserved: No part of Thank Ythis document may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, whether electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Arthur J. Gallagher & Co. Consulting and insurance brokerage services to be provided by Gallagher Benefit Services, Inc. and/or its affiliate Gallagher Benefit Services (Canada) Group Inc. Gallagher Benefit Services, Inc. is a licensed insurance agency that does business in California as "Gallagher Joshua Jolley I Area Vice President Benefit Services of California Insurance Services" and in Massachusetts as "Gallagher 904 421 7765 Benefit Insurance Services." Neither Arthur J. Gallagher & Co., nor its affiliates provide Joshua_Jolley@ajg.com accounting, legal or tax advice. 200 S. Orange Ave, Suite #750, Orlando FL 32801 For Institutional Use Only. Not for Public Distribution. \ This material was created to provide information on the subjects covered, but should not be regarded as a complete analysis of these subjects. The information provided cannot take into account all the various factors that may affect your particular situation. The services of Gallagher an appropriate professional should be sought regarding before acting upon any information or recommendation contained herein to discuss the suitability of the information/recommendation for your specific situation. 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