HomeMy WebLinkAbout20252554.tiffResolution
Approve Group Insurance Plan Application for 2026 Employee -Paid Voluntary
Benefit Plan and Authorize Chair to Sign — The Guardian Life Insurance Company
of America
Whereas, the Board of County Commissioners of Weld County, Colorado, pursuant to
Colorado statute and the Weld County Home Rule Charter, is vested with the authority of
administering the affairs of Weld County, Colorado, and
Whereas, the Board has been presented with a Group Insurance Plan Application for a
2026 Employee -Paid Voluntary Benefit Plan from the County of Weld, State of Colorado,
by and through the Board of County Commissioners of Weld County, on behalf of the
Department of Human Resources, to The Guardian Life Insurance Company of America,
commencing January 1, 2026, with further terms and conditions being as stated in said
application, and
Whereas, after review, the Board deems it advisable to approve said application, a copy
of which is attached hereto and incorporated herein by reference.
Now, therefore, be it resolved by the Board of County Commissioners of Weld County,
Colorado, that the Group Insurance Plan Application for a 2026 Employee -Paid Voluntary
Benefit Ran from the County of Weld, State of Colorado, by and through the Board of
County Commissioners of Weld County, on behalf of the Department of Human
Resources, to The Guardian Life Insurance Company of America, be, and hereby is,
approved.
Be it further resolved by the Board that the Chair be, and hereby is, authorized to sign
said application.
The Board of County Commissioners of Weld County, Colorado, approved the above
and foregoing Resolution, on motion duly made and seconded, by the following vote on
the 15th day of September, A.D., 2025:
Perry L. Buck, Chair: Aye
Scott K. James, Pro-Tem: Aye
Jason S. Maxey: Excused
Lynette Peppier: Aye
Kevin D. Ross: Excused
Approved as to Form:
Bruce Barker, County Attorney
Attest:
Esther E. Gesick, Clerk to the Board
PEOS /FM
to/o I /25
2025-2554
PE0037
Conalvaci-DiF-P9Z(0
BOARD OF COUNTY COMMISSIONERS
PASS -AROUND REVIEW
PASS -AROUND TITLE: Guardian Insurance Plan Application
DEPARTMENT: HR DATE: 9/8/2025
PERSON REQUESTING: Allison Palmer & Jill Scott
Brief description of the problem/issue:
We are currently offering Aflac, but due to better employee rates, enhanced benefits/payouts, and the inclusion
of a $75 wellness benefit, we propose switching to Guardian effective 1/1/2026 for employee -paid voluntary
benefits.
What options exist for the Board?
1) Approve the Switch to Guardian (Effective 1/1/2026)
2) Maintain the Current Provider (Aflac)
Consequences:
If Switching to Guardian: Employees gain access to improved benefit offerings, including lower premiums
and a $75 wellness benefit. Required communication and transition effort during open enrollment.
If Remaining with Mac: Employees continue with current rates and benefit levels, which are less
competitive. Missed opportunity for enhanced value and potential cost savings for employees.
Impacts;
Access to more competitive voluntary benefits with improved payouts and wellness incentives.
Costs (Current Fiscal Year / Ongoing or Subsequent Fiscal Years):
Minimal cost to the county since these are employee -paid voluntary benefits. Administrative time for
transition and communication planning may be required.
Recommendation:
Approve the transition from Aflac to Guardian as the provider of employee -paid voluntary benefits, effective
January 1, 2026. Guardian offers more competitive rates, enhanced benefit payouts, and added value through
features like the $75 wellness benefit all of which support employee satisfaction without addi-ional cost to the
county.
Perry L. Buck
Scott K. James
Jason S. Maxey
Lynette Peppler
Kevin D. Ross
Support Recommendation Schedule
Place on BOCC Agenda Work Session
Vto Fnnad
USA ernc4J
Or-
Other/Comments:
2025-2554
9115
PE0t37
Karla Ford
From:
Sent:
To:
Subject:
!approve
Scott James
Tuesday, September 9, 2025 9:23 AM
Karla Ford; Jason Maxey
Re: Please Reply - HR pass -around
*** Sent from my iPhone - Pardon the brevity and type-o's ***
Scott K. James
Weld County Commissioner
Office: 970-400-4200/Cell : 970-381-7496
P.O. Box 758, 1150 0 St., Greeley, CO 80632
IMPORTANT: This electronic transmission and any attached documents or other writings are intended
only for the person or entity to which it is addressed and may contain information that is privileged,
confidential or otherwise protected from disclosure. If you have received this communication in error,
please immediately notify sender by return e-mail and destroy the communication. Any disclosure,
copying, distribution or the taking of any action concerning the contents of this communication or any
attachments by anyone other than the named recipient is strictly prohibited.
From: Karla Ford <kford@weld.gov>
Sent: Tuesday, September 9, 2025 9:21:24 AM
To: Scott James <sjames@weld.gov>; Jason Maxey <jmaxey@weld.gov>
Subject: Please Reply - HR pass -around
Please advise if you support recommendation and to have department place on the agenda.
COUNTY, CO
Karla Ford
Office Manager & Executive Assistant
Board of Weld County Commissioners
Desk: 970-400-4200/970-400-4228
P.O. Box 758, 1150 0 St., Greeley, CO 80632
O®®O
Join Our Team
IMPORTANT: This electronic transmission and any attached documents or other writings are intended only for the
person or entity to which it is addressed and may contain information that is privileged, confidential or otherwise
protected from disclosure. If you have received this communication in error, please immediately notify sender by
return e-mail and destroy the communication. Any disclosure, copying, distribution or the taking of any action
1
Karla Ford
From:
Sent:
To:
Subject:
Jason Maxey
Tuesday, September 9, 2025 11:24 PM
Scott James; Karla Ford
Re: Please Reply - HR pass -around
Approve.
Thank you,
Jason S. Maxey
Weld Commissioner, District 1
Get Outlook for (OS
From: Scott James <sjames@weld.gov>
Sent: Tuesday, September 9, 2025 8:22:52 AM
To: Karla Ford <kford@weld.gov>; Jason Maxey <jmaxey@weld.gov>
Subject: Re: Please Reply - HR pass -around
I approve
*** Sent from my iPhone - Pardon the brevity and type-o's ***
Scott K. James
Weld County Commissioner
Office: 970-400-4200/Cell : 970-381-7496
P.O. Box 758, 1150 0 St., Greeley, CO 80632
IMPORTANT: This electronic transmission and any attached documents or other writing` are intended
only for the person or entity to which it is addressed and may contain information that is privileged,
confidential or otherwise protected from disclosure. If you have received this communication in error,
please immediately notify sender by return e-mail and destroy the communication. Any disclosure,
copying, distribution or the taking of any action concerning the contents of this communication or any
attachments by anyone other than the named recipient is strictly prohibited.
From: Karla Ford <kford@weld.gov>
Sent: Tuesday, September 9, 2025 9:21:24 AM
To: Scott James <sjames@weld.gov>; Jason Maxey <jmaxey@weld.gov>
Subject: Please Reply - HR pass -around
Please advise if you support recommendation and to have department place on the agenda.
1
8 Guardian -
Group Insurance
Plan Application
The Guardian Life Insurance Company Of America
And its Affiliates and Subsidiaries
10 Hudson Yards, New York, NY 10001
Section 1. Requested coverage
Applicant
4VIL
Coverage
Cr5t,cal Illness . Accident
• Accident & Sickness Indemnity
Section 2. Business details
Types of Organization:
❑ Corporation O Proprietorship ❑ LLC
❑ Partnership O S Corp A Other
If'Other', please specify
Date established MM/DDIYY
Tax ID number
u I?B
What Is the nature of your business?
Has your group ever filed, or is in the process of filing, for Chapter 7 or 11 bankruptcy?
❑ Yes KNo
Has your group or any of its affiliates ever been covered for group Insurance with Guardian?
❑ Yes J8t No
m If 'Yes', please provide:
Group or Affiliate Name (If different)
Plan Number
CMA2021
Page 1 or 5
Section 2. Business details (continued)
Section 3. Health -related details
The questions below relate to any members that will be insured. This doesn't include family members. Please
answer to the best of your knowledge, and provide additional details for any 'Yes' responses on a separate sheet.
Do not disclose the names of any members here.
Are any members currently not actively working?
Olf'Yes', please complete the supplemental Actively at Work Statement.
Actively working means a member is performing the major duties of their regular job and working the required number of hours
at the location you require.
❑Yes ❑ No
'Section 4. Agreement
Insurance Broker Representation
It's understood that no broker has power on behalf of
Guardian, or any other company listed on the first page of
this application, to make or modify any request or
application for insurance, or to bind said Company(ies) by
making any promise or representation or by giving and
receiving any information.
FRAUD WARNING
Any person, who with intent to defraud any insurance company or other
person files an application for insurance or statements of claim
containing any materially false information, or conceals for purpose of
misleading information concerning any fact material hereto, commits a
fraudulent insurance act, which is a crane, and may also be subject to
civil penalties, or denial of insurance benefits.
CMA2021
Acceptance of Plan
It's understood that no insurance will be effective until the
plan is accepted in writing by Guardian or any of its affiliates.
No contract of insurance is to be implied in any way on the
basis of the completion and submission of this application.
Upon acceptance, this application will be attached to and
made part of the Group Insurance Policy.
The undersigned applicant certifies that to the best of their knowledge and
belief, all of the responses given are true, correct and complete. The
applicant understands that a false statement or misrepresentation in the
application may result in loss of coverage in the policy, the rescission of the
policy, or a revision of the rates quoted.
Page 2of5
2Section 5. Signatures
I have reviewed the statements made by me on this application, and they are true and complete to the best of my knowledge
and belief. By my signature below, I am endorsing the Guardian plan of insurance.
Business officer, partner, or Proprietor Witness
Title
[Perry L. Budc, Chair
�Dattee (MM/DD/YY)
I 09/15/2025
Title Date (MM/DD/YY)
!I Esther E. Gesick, Clerk to the Boa 09/15/2025
Board of Weld County Commissioners By:
le o the
Group Plan Number 00066179 Requested Effective Date 01/01/2026
• PL =ASE f OL O lV Y UR STATE A GU _'DANCE
arr_i,,liy v. 3 i to yo.
CMA2021
Page 3 oft
1
25-54
Fraud warning statements
The laws of several states require the following statements to appear.
Please check carefully and read your state's warning if listed.
Alabama: Any person who knowingly presents a false or
fraudulent claim for payment of a loss or benefit or who
Knowingly presents false information in an application for
insurance is guilty of a crime and may be subject to restitution
fines nr nonfinement in prison, or any combination thereof.
Arkansas: Any person who knowingly presents a false or
fraudulent claim for payment of a loss or benefit or knowingly
presents false information in an application for insurance is guilty
of a crime and may be subject to fines and confinement in
prison.
California: For your protection California law reiuires the
following to appear on this form: Any person who knowingly
presents false or fraudulent information to obtain or amend
insurance coverage or to make a claim for the payment of a loss
is guilty of a crime and may be subject to fines and confinement
in state prison.
Colorado: It is unlawful to knowingly provide false, incomplete,
or misleading facts or information to an insurance company for
the purpose of defrauding or attempting to defraud the company.
Penalties may include imprisonment fines. denial of insurance
and civil damages. Any insurance company or agent of an
insurance company who knowingly provides false, incomplete, or
misleading facts or information to a policyholder or claimant for
the purpose of defrauding or attempting to defraud the
policyholder or claimant with regard to a settlement or award
payable from insurance proceeds shall be reported to the
Colorado Division of Insurance within the Department of
Regulatory Agencies.
District of Columbia: WARNING: It is a crime to provide false
or misleading information to an insurer for the purpose of
defrauding the insurer or any other person. Penalties include
imprisonment and/or fines. In addition, an insurer may deny
insurance benefits, if false information materially related to a
claim was provided by the applicant.
Florida: Any person who knowingly and with intent to injure,
defraud, or deceive any insurer files a statement of claim or an
application containing any false, incomplete, or misleading
information is guilty of a felony of the third degree.
CMA2021
Kansas: Any person who with intent to defraud any insurance
company or other person files an application for insurance or
statements of claim containing any materially false information,
or conceals for purpose of misleading information concerning
any fact material hereto, may be •uilty of committing a
fraudulent insurance act as determined by a court of law, which
may be a crime, and may also be subject to civil penalties, or
denial of insurance benefits.
Kentucky: Any person who knowingly and with intent to defraud
any insurance company or other person files an application for
insurance containing any materially false information or
conceals, for the purpose of misleading, information concerning
any fact material thereto commits a fraudulent insurance act,
which is a crime.
Louisiana: Any person who knowingly presents a false or
fraudulent claim for payment of a loss or benefit or knowingly
presents false information in an application for insurance is guilty
of a crime and may be subject to fines and confinements in
prison.
Maine. It is a crime to knowingly provide false. incomplete or
misleading information to an insurance company for the purpose
of defrauding the company. Penalties may include imprisonment,
fines or a denial of insurance benefit.
Maryland: Any person who knowingly or willfully presents a
false or fraudulent claim for payment of a loss or benefit or who
knowingly or willfully presents false information in an application
for insurance is guilty of a crime and may be subject to fines and
confinement in prison
Missouri: Any person who with intent to defraud any insurance
company or other person files an application for insurance or
statements of claim containing any knowingly false information,
or conceals for purpose of misleading information concerning
any fact material hereto, commits a fraudulent insurance act,
which is a crime, and may also be subject to civil penalties, or
denial of insurance benefits subject to the conditions/provisions
of the policy.
Page 4 oft
New Jersey: Any person who indtudes any false or misleading
information on an application for an insurance policy is subject to
criminal and civil penalties.
New Mexico: ANY PERSON WHO KNOWINGLY PRESENTS A
FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS
OR BENEFIT OR KNOWINGLY PRESENTS FALSE
INFORMATION IN AN APPLICATION FOR INSURANCE IS
GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES
AND CRIMINAL PENALTIES.
New York: The taws of New York require the following statement
appear Any person who knowingly and with intent to defraud
any insurance company. or other person files an application for
insurance or statement of clam containing any materially false
information, ur conceals for the purpose of misleading,
information concerning any fact material thereto, commits a
fraudulent insurance act, which is a crime, and shall also be
subject to a civil penalty not to exceed five thousand dollars and
the stated value of the claim for each such violation. (Does not
apply to Life Insurance.)
Ohio: Any person who with intent to defraud or knowing that he!
she is facilitating a fraud against an insurer, submits an
application or files a claim containing a faire or deceptve
statement is guilty of insurance fraud -
Oklahoma: WARNING: Any person who knowingly, and with the
intent to injure, defraud or deceive any insurer, makes any claim
for the proceeds of an insurance policy containing any false,
incomplete or misleading information is guilty of a felony.
CMA2021
Oregon: Any person who with intent to defraud any insurance
company or other person files an oppi hot KS for insurance or
statements of claim containing any materially false information,
or conceals for purpose of misleading information concerning
any fact material hereto, may be committing a fraudulent
insurance act, and may be subject to civil penalties, or denial of
insurance benefits.
Pennsylvania: Any person who knowing y and with intent
to defraud any insurance company or other person files an
application for insurance or statement of claim containing any
materially false information or conceals for the purpose of
misleading. information concerning any fact material thereto
commits a fraudulent insurance act, which is a crime and
subjects such person to criminal and civil penalties.
Rhode Island: Any person, who knowingly presents a false or
fraudulent claim for payment of a loss or benefit or knowingly
presents false information in an application for insurances guilty
of a crime and may be subject to fines and confinement in
prison.
Tennessee and Washington: It is a crime to knowingly provide
false, incomplete or misleading information to an insurance
company for the purpose of defrauding the company Penalt,es
include imprisonment, fines, and denial of insurance benefits.
Vermont: Any person who knowingly presents a false statement
in an application for insurance may be guilty of a cr urinal
offense and subject to the penalties under state law.
Virginia: Any person who, with the intent to defraud or knowing
that he/she is facilitating a fraud against an insurer: submits an
application or files a claim containing a false or deceptive
statement may have violated state law.
Page 5at5
Contract Form
Entity Information
Entity Name* Entity ID*
THE GUARDIAN LIFE INSURANCE @00020896
COMPANY
Contract Name*
GUARDIAN INSURANCE PLAN APPLICATION
Contract Status
CTB REVIEW
❑ New Entity?
Contract ID
9926
Contract Lead*
BPETERSON
Contract Lead Email
bpeterson@weld.gov
Parent Contract ID
Requires Board Approval
YES
Department Project #
Contract Description*
THIS CONTRACT FACILITATES THE TRANSITION OF EMPLOYEE -PAID VOLUNTARY BENEFITS FROM AFLAC TO
GUARDIAN, EFFECTIVE JANUARY 1, 2026, TO PROVIDE EMPLOYEES WITH ENHANCED BENEFIT OPTIONS AND
LOWER PREMIUMS.
Contract Description 2
GUARDIAN OFFERS MORE COMPETITIVE RATES, ENHANCED BENEFIT PAYOUTS, AND ADDED VALUE THROUGH
FEATURES LIKE THE $75 WELLNESS BENEFIT -ALL OF WHICH SUPPORT EMPLOYEE SATISFACTION WITHOUT
ADDITIONAL COST TO THE COUNTY.
Contract Type* Department Requested BOCC Agenda Due Date
APPLICATION HUMAN RESOURCES Date* 09/11/2025
09/15/2025
Amount* Department Email
$0.00 CM- Will a work session with BOCC be required?*
HumanResources@weld.g NO
Renewable"
ov
NO Does Contract require Purchasing Dept. to be
Automatic Renewal
Grant
IGA
Department Head Email
CM-HumanResources-
DeptHead@weld.gov
County Attorney
GENERAL COUNTY
ATTORNEY EMAIL
County Attorney Email
CM-
COUNTYATTORNEY@WEL
D.GOV
included?
If this is a renewal enter previous Contract ID
If this is part of a MSA enter MSA Contract ID
Note: the Previous Contract Number and Master Services Agreement Number should be left blank if those contracts
are not in OnBase
Contract Dates
Effective Date
01/01/2026
Review Date*
11/02/2026
Termination Notice Period Committed Delivery Date
Contact Information
Contact Info
Renewal Date
Expiration Date*
01/01/2027
Contact Name Contact Type Contact Email Contact Phone 1 Contact Phone 2
Purchasing
Purchasing Approver Purchasing Approved Date
Approval Process
Department Head
JILL SCOTT
DH Approved Date
09/11/2025
Final Approval
BOCC Approved
BOCC Signed Date
BOCC Agenda Date
09/15/2025
Finance Approver
CHERYL PATTELLI
Legal Counsel
BYRON HOWELL
Finance Approved Date Legal Counsel Approved Date
09/12/2025 09/12/2025
Tyler Ref*
AG 091525
Originator
BPETERSON
Hello