The San Francisco Health Service Board convened on July 4, 2025, to review and approve the renewal of fully insured life insurance, accidental death and dismemberment (AD&D), and long-term disability (LTD) rates for the upcoming plan year. The meeting featured a presentation by Mike Clark from Aon, who has been instrumental in managing these insurance plans for several years.

Clark outlined the key components of the insurance offerings, which include employer-paid basic life insurance and long-term disability insurance, as well as member-paid supplemental life and AD&D insurance. He emphasized that the proposed rates for 2025 would remain unchanged from the previous year, thanks to a three-year rate commitment secured from The Hartford in 2022.

The board was informed that the insurance plans cover active employees within the City and County of San Francisco, including those from the Superior Court and the Municipal Executive Association. However, it was noted that these plans are not available to retirees or employees from the San Francisco Unified School District and City College of San Francisco.

Clark highlighted the positive experience with The Hartford, noting significant premium rate reductions of 15% to 25% from 2022 to 2025. He also reported a slight increase in claims for basic life insurance, primarily due to heart disease and cancer, but reassured the board that the overall loss ratios remained favorable.

The anticipated employer expenditure for 2025 is approximately $7 million, with a breakdown of costs for basic life insurance, long-term disability, and supplemental coverages. Following the presentation, President Scott opened the floor for questions and subsequently recommended the approval of the proposed rates.

The board unanimously agreed to accept the renewal of all fully insured life insurance, AD&D, and LTD premiums as presented, marking a significant step in ensuring continued benefits for city employees.