Disability Insurance for Residents

NASSAU HEALTH CARE CORPORATION
(a/k/a the NuHealth System)
REQUEST FOR PROPOSAL (RFP)
FOR
DISABILITY INSURANCE FOR RESIDENTS
REQUEST FOR PROPOSAL #: 005-2026
Introduction
Nassau Health Care Corporation ("NHCC") is seeking proposals from qualified, licensed insurance
providers to deliver comprehensive optional Long-Term Disability (LTD) and optional Short-Term
Disability (STD) insurance coverages. These coverages will support approximately 350 residents
and fellows in graduate medical education programs at Nassau University Medical Center
("NUMC").
Proposal Requirements
Proposals must comply with all instructions outlined in this RFP. Submissions that are incomplete
or fail to meet the specified requirements may be rejected without review.
Any contract awarded as a result of this RFP will supersede all prior contracts, bids, or agreements
related to Disability Insurance for Residents.
Communication Guidelines
All written communications regarding this RFP - including email correspondence - must clearly
reference the RFP title and number in the subject line to ensure proper handling.
Contacts and Submission
Nassau Health Care Corporation
Department of Legal Affairs
2201 Hempstead Turnpike, East Meadow, NY 11554
RFPSubmissions@numc.edu
Anticipated Schedule*
o Issue RFP June 15, 2026
o Deadline for Questions June 26, 2026
o Proposals Due July 7, 2026 at 4:00 p.m.
o Interviews, if Required To Be Determined
* Dates indicated above are subject to change at the sole discretion of Nassau Health Care Corporation.
1

SCHEDULE A
I. GENERAL INFORMATION
A. Background
Nassau Health Care Corporation ("NHCC"), also known as the NuHealth System, is a New York
State public benefit corporation established under the Public Authorities Law. NHCC operates:
* Nassau University Medical Center (NUMC): A 530-bed tertiary care teaching hospital.
* A. Holly Patterson Extended Care Facility (AHP): A 589-bed skilled nursing facility.
* Community Health Practices (CHP): Operated in partnership with Long Island FQHC, Inc.,
a non-profit, consumer-driven organization serving the region's most vulnerable
populations.
NHCC is committed to delivering high-quality care, advancing medical education, and serving as
the safety-net health system for Nassau County residents.
Nassau University Medical Center (NUMC): Founded in 1935, NUMC is the County's primary
source of advanced medical care. Its 19-story tower houses the region's premier Level I Trauma
Center and serves as a hub for medical education through affiliations with the New York Institute of
Technology College of Osteopathic Medicine, the New York College of Pediatric Medicine, the
American University of the Caribbean School of Medicine, and the Donald and Barbara Zucker
School of Medicine at Hofstra/Northwell.
A. Holly Patterson Extended Care Facility (AHP): Nationally recognized as a model for skilled
nursing services, AHP provides innovative, patient-centered care that addresses residents' physical,
emotional, and social needs in a supportive, healing environment.
Community Health Practices: NHCC's community-based centers deliver comprehensive,
accessible, and preventive care to underserved communities across Long Island, ensuring every
resident has access to a trusted "medical home."
II. SERVICES SPECIFICATIONS
A. Scope of Work
Purpose and Overview
* The Selected Vendor shall provide comprehensive, high-quality disability insurance
coverage and administration for approximately 350 residents and fellows enrolled in
Graduate Medical Education (GME) programs at Nassau University Medical Center
(NUMC).
Core Insurance Coverage Requirements
The Selected Vendor must provide a disability insurance program that includes, but is not limited
to, the following tiers of coverage:
2

* Short-Term Disability (STD): Comprehensive coverage designed to provide short-term
income replacement for residents and fellows experiencing temporary illnesses, injuries, or
medical conditions (including maternity leave).
* Long-Term Disability (LTD): Optional long-term disability coverage tailored to the unique
career trajectory and specialized needs of medical residents and fellows.
Plan Administration and Operational Support
The Selected Vendor shall be solely responsible for the operational execution of the disability
programs, which includes:
* Claims Administration: Providing an efficient, fair, and objective claims adjudication
process. This includes case management, benefit disbursements, and a clear, legally
compliant appeals process.
* Customer Service: Providing a dedicated, accessible customer service portal or call center
staffed by representatives trained to handle specific inquiries.
Compliance
* Regulatory Compliance: Assurance that all plans, communications, and claims processes
strictly adhere to statutory New York State disability laws, ERISA, HIPAA, and all other
applicable federal and state regulations.
Account Management
* Account Management: Assignment of an Account Manager to serve as the primary point of
contact for NUMC's GME and Human Resources administration.
Required Plan Design and Quoting Assumptions
* Proposers must clearly state all underwriting assumptions used in developing their proposal,
including any assumptions regarding enrollment, participation, evidence of insurability,
guaranteed issue, or exclusions.
* Proposers must identify all key plan design terms included in their quote, including waiting
or elimination periods, benefit percentage, maximum monthly benefit, benefit duration,
applicable definitions of disability, portability or conversion options, and any offsets or
coordination with other benefits.
* If any requested data is unavailable, the Proposer must identify any additional census,
claims, or eligibility information needed to finalize pricing and implementation.
* Any material assumptions, limitations, exclusions, implementation conditions, or deviations
from the requested coverage must be clearly disclosed in the proposal.
II. MINIMUM QUALIFICATIONS
The Proposer must demonstrate:
a. Minimum three (3) years of experience providing insurance coverage.
b. Experience supporting non-profit organizations or public benefit corporations.
c. Experience supporting healthcare organizations is a plus.
III. EVALUATION CRITERIA
Proposals will be evaluated based upon;
a. Cost effectiveness and financial value- 50%
b. Vendor expertise and quality of proposed solution - 50%
3

SCHEDULE B
I. PROPOSAL PROCESS AND REQUIREMENTS
Proposal Submission
NHCC invites qualified Proposers to submit proposals for the services described in this RFP.
Proposals must conform to the requirements set forth herein; non-conforming proposals may be
disqualified.
The RFP is available through the designated NHCC contact office and may also be downloaded via
the "Doing Business with NuHealth" link at www.numc.edu.
Submission Requirements:
* Electronic Media: One (1) electronic copy sent via email to:
o RFPSubmissions@numc.edu
Note:
* Electronic copies of the proposal must be received by NHCC no later than 4:00 p.m. on the
specified due date.
* Incomplete submissions may result in disqualification.
The selected Proposer will enter into negotiations with NHCC regarding contract terms. If
agreement cannot be reached within a reasonable time, NHCC may reject that Proposer and begin
negotiations with others.
Proposals should be clear, concise, and responsive to the RFP.
II. CONTENTS OF PROPOSALS
Each proposal must include the following:
1. Proposer Information
o Name and contact information (address, phone, fax, email).
o Organizational structure (corporation, partnership, LLC, etc.), date and state of
formation, ownership details (including any person/entity holding 5% interest).
2. Background & Operations
o History of the firm and services provided.
3. References
o At least three professional references, including contact information.
4. Regulatory & Legal Disclosures
o Any material negative findings, sanctions, or pending proceedings.
o Criminal convictions (past 10 years) of the firm, officers, directors, or affiliates.
o Civil penalties, judgments, consent decrees, violations, or sanctions (past 10 years).
o Current investigations, indictments, or litigation.
o Revocations or suspensions of permits/authority to do business (past 10 years).
o Barring from public proposal submission (past 10 years).
5. Scope of Services & Work Plan
o Proposed methodology, approach, and timeline.
4

6. Fee & Cost Proposal
o Clear identification of all costs, including billing practices and reimbursable
categories.
7. Conflict of Interest Disclosures
o Any material financial or family relationships that may create an actual or perceived
conflict of interest.
o Procedures the firm has in place (or will adopt) to mitigate conflicts.
III. REQUIRED PROPOSAL SUBMISSION CHECKLIST
* Proposal narrative addressing all required contents in Section II.
* Pricing proposal identifying all rates, fees, billing practices, and reimbursable categories, if
any.
* All required disclosure forms and certifications referenced in this RFP, including any
Procurement Law compliance forms.
* MWBE Utilization Plan, if required by this RFP and applicable to the Proposer.
* Any requested references, licenses, and supporting documentation demonstrating
qualifications.
* A cover letter signed by an authorized representative identifying the person(s) authorized to
negotiate on behalf of the Proposer.
IV. CONFIDENTIAL INFORMATION
The New York State "Freedom of Information Law," Public Officers Law Article 6, permits
access to government records and may permit public access to proposals submitted in
response to this RFP. To protect any portion of responses that constitutes technical, financial
or other data whose public disclosure would cause substantial injury to a Proposer's
competitive position, or would constitute disclosure of a trade secret, a Proposer must
designate any sections of its proposal that meet those criteria. NHCC assumes no
responsibility for disclosure of unmarked data for any purpose. NHCC will review such
designations in making its determination whether disclosure is required, which determination
shall be binding on the Proposer.
V. ANTI-DISCRIMINATION & MWBE PARTICIPATION
It is the policy of NHCC to comply with all federal, state and local laws, policies, orders,
rules and regulations which prohibit unlawful discrimination because of race, creed, color,
national origin, sex, sexual orientation, age, disability, or marital status, and to take
affirmative action in working with contracting parties to ensure that Minority and Women-
owned Business Enterprises (MWBEs), Minority Group Members and women share in the
economic opportunities generated by NHCC's participation in projects or initiatives, and/or
use of NHCC funds. NHCC's anti-discrimination or other policies that promote equal
opportunities shall apply to this initiative and MWBEs are encouraged to submit proposals.
Pursuant to New York State Executive Law Article 15-A, NHCC recognizes its obligations
under the law to promote opportunities for maximum feasible participation of certified
minority-and women-owned business enterprises (M/WBEs) and the employment of
5

minority group members and women in the performance of NHCC contracts.
The selected contractor shall be required to use good faith efforts to achieve the participation
of certified MWBE's as specified in this RFP or Bid, and if no participation goal is explicitly
specified, participation amounting to 20% of the total value of the fees received by the
contractor shall be the goal. As part of their proposal, respondents are required to include a
completed MWBE Utilization Plan (the "Plan") using the form attached in Appendix I as
part of their proposal. The Plan shall list each MWBE the respondent intends to utilize to
perform the contract, a description of the scope of work to be performed by each MWBE,
and the estimated or, if known, actual dollar amounts to be paid to each MWBE. Respondents
should endeavor to utilize MWBEs as subcontractors, subconsultants, suppliers, and/or enter
into joint venture or teaming agreements with M/WBEs in order to comply with the MWBE
utilization goals. In the event that a respondent is a certified MWBE the respondent should
list itself in the Plan as performing 100% of the contract work and is not required to
subcontract with other MWBE firms.
VI. PROCUREMENT LAW COMPLIANCE
State Finance Law 139-j and 139-k (collectively, the "Procurement
Requirements") apply to this RFP. The Procurement Requirements (1) govern
permissible communications between potential respondents and NHCC with
respect to this RFP during the procurement process; and (2) establish sanctions for
knowing and willful violations of the provisions of the Procurement Requirements,
including disqualification from eligibility for an award of any contract pursuant to
this solicitation.
Compliance with the Procurement Requirements requires that (a) all
communications regarding this RFP, from the issuance of this RFP through final
award and approval of any resulting contract (the "Restricted Period"), be
conducted only with the contact person(s) listed; (b) the completion by respondents
of the Disclosure of Prior Non-Responsibility Determinations and the Affirmation
of Understanding of an Agreement pursuant to State Finance Law, copies of which
are attached to this RFP as attachments to Appendix I, and (c) periodic updating of
such forms during the terms of any contract resulting from this RFP. Respondents
must submit both of these forms, properly completed, as part of their proposals. The
Procurement Requirements also require NHCC employees to obtain and report
certain information when contacted by prospective bidders during the Restricted
Period, make a determination of the responsibility of bidders and make all such
information publicly available in accordance with applicable law. If a prospective
bidder is found to have knowingly and willfully violated the State Finance Law
provisions, that prospective bidder and its subsidiaries, related or successor entities
will be determined to be a non-responsible bidder and will not be awarded any
contract issued pursuant to this RFP.
More information about State Finance Law Sections 139-j and 139-k can be found
at http://www.ogs.ny.gov/aboutOgs/regulations/defaultSFL_139j-k.asp.
6

VII. TERMS AND CONDITIONS
A. General Provisions
* Scope Consistency: This RFP and any resulting contract apply strictly and exclusively to
Disability Insurance for Residents for Nassau University Medical Center (NUMC). This
scope supersedes any conflicting language or legacy service references that may appear
elsewhere in this document or its supporting exhibits.
* Payment Terms and Late Fees: In alignment with NHCC financial standards, invoices are
payable within 30 days of receipt. No late fees, interest, or penalties shall apply to payments
made beyond 30 days of the due date.
* No Commitment to Award: This RFP is an invitation for proposals only and does not
constitute a commitment by NHCC to award a contract or to procure services. NHCC
reserves the right to accept or reject any or all proposals, to negotiate with qualified
Proposers, or to cancel this RFP in its entirety if deemed in the best interest of the
Corporation.
B. NHCC Rights
NHCC reserves, in its sole discretion, the right to:
1. Disqualify proposals that fail to meet RFP requirements.
2. Conduct private interviews with selected Proposers.
3. Select proposals that best serve NHCC's interests, regardless of cost.
4. Waive or extend deadlines.
5. Accept proposals, in whole or in part.
6. Conduct site visits or field investigations.
7. Request additional information.
8. Cancel, amend, or reissue this RFP at any time.
9. Negotiate with any, all, or none of the Proposers and discontinue negotiations at any time.
10. Request new or revised proposals, including updated financial terms.
C. Costs and Risks
All costs of preparing and submitting a proposal are the sole responsibility of the Proposer. NHCC
will not reimburse any expenses incurred in connection with this RFP or subsequent negotiations.
D. Contract Negotiations
* NHCC intends to negotiate a written agreement with the selected Proposer(s).
* The final contract will be subject to review and approval by NHCC General Counsel, and
will generally include NHCC's standard contract provisions (Schedule C and Exhibit JC).
* This RFP and the selected proposal may be incorporated into the final agreement.
* The contract will represent the entire agreement; in the event of a conflict, the contract will
control.
E. Contract Award / Approval Conditions
Any contract resulting from this RFP shall be subject to approval by NHCC leadership, the NHCC
Board of Directors, and the Nassau County Interim Finance Authority ("NIFA"), if applicable.
NHCC reserves the right to withhold contract award or contract execution pending completion of all
required forms and approvals.
7

F. Assignment & Subcontracting
Proposers may not assign proposals or enter into agreements with third parties to perform services
on their behalf without NHCC's prior written consent.
G. Governing Law & Jurisdiction
This RFP and any resulting contract will be governed by the laws of the State of New York. All
legal actions must be brought in courts located in Nassau County or the U.S. District Court for the
Eastern District of New York. Proposers waive the right to a jury trial.
H. Proposal Validity & Authorization
Proposals must remain firm for at least 180 days and be signed by an authorized officer who can
bind the Proposer contractually. The proposal must also identify the individual(s) with authority to
negotiate and finalize agreements.
I. Ownership of Submissions
All proposals become the property of NHCC. By submitting, Proposers waive any claim for
damages related to misunderstanding, misrepresentation, or lack of information.
J. Ownership of Work Product
All reports, analyses, and other deliverables specifically created for NHCC under the contract will
be owned by NHCC and, if necessary, be deemed works made for hire. Notwithstanding the
foregoing, the Proposer and its licensors shall retain ownership of all pre-existing materials,
proprietary forms, systems, software, methodologies, underwriting tools, policy forms, manuals,
and other intellectual property developed independently of this RFP or used generally in the
Proposer's business. To the extent any Proposer-owned materials are incorporated into a deliverable
for NHCC, the Proposer shall grant NHCC a non-exclusive license to use such materials solely as
necessary for NHCC's internal use of the deliverable and administration of the contract.
8

SCHEDULE "C" - STANDARD CLAUSES FOR NHCC CONTRACTS
(NHCC reserves the right to add, subtract or modify clauses as it deems appropriate.)
1. Payments
(a) Vouchers; Voucher Review, Approval and Audit. Payments shall be made to
CONTRACTOR in arrears, subject to compliance with NHCC billing/payment procedures, and contingent
upon CONTRACTOR submitting an invoice accompanied by documentation satisfactory to NHCC
supporting the amount claimed.
(b) Timing of Payment Claims. CONTRACTOR shall submit claims no later than three (3)
months following the NHCC's receipt of the services that are the subject of the claim and no more frequently
than once a month.
(c) No Duplication of Payments. Payments under this Agreement shall not duplicate payments
for any work performed or to be performed under other agreements between the CONTRACTOR and any
funding source, including NHCC.
(d) Payments in Connection with Termination or Notice of Termination. Unless a provision of
this Appendix expressly states otherwise, payments to CONTRACTOR following the termination of this
Agreement shall not exceed payments made as consideration for services that were (i) performed prior to
termination, (ii) authorized by this Agreement to be performed, and (iii) not performed after CONTRACTOR
received notice that the NHCC did not desire to receive such services.
2. Independent Contractor. CONTRACTOR is an independent contractor of the NHCC.
CONTRACTOR shall not, nor shall any officer, director, employee, servant, agent or independent contractor
of the CONTRACTOR (a "CONTRACTOR Agent"), be (i) deemed a employee of NHCC, (ii) commit
NHCC to any obligation, or (iii) hold itself, himself, or herself out as an employee of NHCC or Person with
the authority to commit the NHCC to any obligation. As used in this Agreement, the word "Person" means
any individual person, entity (including partnerships, corporations and limited liability companies), and
government or political subdivision thereof (including agencies, bureaus, offices and departments thereof).
3. Compliance with Laws and NHCC Policies.
(a) Generally. CONTRACTOR shall comply with any and all applicable Federal, State and
local Laws, including, but not limited to those relating to conflicts of interest, identity theft, human rights,
and disclosure of information, in connection with its performance under this Agreement. As used in this
Agreement the word "Law" includes any and all statutes, local laws, ordinances, rules, regulations, applicable
orders, and/or decrees, as the same may be amended from time to time, enacted, or adopted. In addition,
CONTRACTOR shall follow all requirements of NHCC policies, procedures, quality assurance measures and
performance improvement programs, including sentinel events/occurrences. Furthermore, CONTRACTOR
shall maintain compliance with applicable standards of accreditation programs as required by NHCC,
including, without limitation, The Joint Commission.
(b) Records Access. The parties acknowledge and agree that all records, information, and data
("Information") acquired in connection with performance or administration of this Agreement shall be used
and disclosed solely for the purpose of performance and administration of the contract or as required by law.
CONTRACTOR acknowledges that CONTRACTOR Information in NHCC's possession may be subject to
disclosure under Article 6 of the New York State Public Officer's Law ("Freedom of Information Law" or
"FOIL"). In the event that such a request for disclosure is made, NHCC shall make reasonable efforts to
notify CONTRACTOR of such request prior to disclosure of the Information so that CONTRACTOR may
take such action as it deems appropriate.
(c) Protection of Information. CONTRACTOR acknowledges and agrees that all information
that CONTRACTOR acquires in connection with performance under this Agreement shall be strictly
confidential, used solely for the purpose of performing services to or on behalf of NHCC and shall not be
disclosed to third parties except (i) as permitted under this Agreement, (ii) with the written consent of NHCC
(and then only to the extent of the consent), or (iii) upon legal compulsion. In furtherance of the forgoing,
9

CONTRACTOR and its employees, partners and agents shall keep the confidentiality of medical records
and/or information including, but not limited to, HIV related information, relating to the care and treatment
of NHCC patients, that may be obtained by CONTRACTOR in the performance of its duties hereunder, and
shall maintain the confidentiality of all such records and information including, but not limited to, HIV related
information, in conformity and consistent with applicable policies and standards of The Joint Commission,
the confidentiality requirements of the New York State Public Health Law ("PHL") and the regulations
promulgated thereunder, including, but not limited to, PHL Section 2782, and 10 NYCRR 415.22 and Parts
24 and 63 or as same may, from time-to-time, be amended as well as any other state and federal regulation
regarding patient confidentiality, including, but not limited to, the regulations pursuant to the Health
Insurance Portability and Accountability Act of 1996 ("HIPAA"). If applicable, CONTRACTOR further
agrees to maintain and safeguard the confidentiality of health information relating to NHCC patients
in accordance with the provisions a Business Associate Agreement. In the event of a breach by
CONTRACTOR of this provision, NHCC may, at its option, terminate this Agreement immediately upon
written notice to CONTRACTOR. The provisions of this paragraph shall survive this Agreement.
(d) Patient Care/Contact. In the event that the services to be provided by CONTRACTOR or
a CONTRACTOR Agent under this Agreement involve patient care or contact, CONTRACTOR
acknowledges and agrees that all individuals performing such services shall: (i) be in good health and comply
with all applicable health, immunization and infection control standards required of NHCC employees and
(ii) be subject to successful completion of a background investigation substantially similar to those required
of NHCC employees. CONTRACTOR represents and warrants that it is not aware of the existence of any
facts or circumstances that indicate it would be inappropriate for such individuals to perform services under
this Agreement. NHCC reserves the right to charge a CONTRACTOR a reasonable fee for costs associated
with performing health services and/or background investigations necessary to ensure compliance with this
paragraph.
(e) NHCC Compliance Programs. CONTRACTOR agrees to adhere, and cooperate fully
with, NHCC's corporate compliance program requirements applicable to all NHCC vendors, contractors,
consultants and agents. This information is available via NHCC's website at:
http://www.nuhealth.net/about/doing-business-with-nuhealth.asp
(f) Doing Business. CONTRACTOR represents and warrants that: (a) it is properly licensed
to do business in New York State and Nassau County, if applicable, (b) it is in good standing under such
license(s), and (c) the activities conducted by it under such license(s) with respect to the services referenced
above are in compliance with all requirements of the Laws governing such license(s). CONTRACTOR hereby
agrees that it will continuously maintain (i) its existence and shall not dissolve or permit its dissolution, and
(ii) its right to do business in New York State and Nassau County.
4. Minimum Service Standards. Regardless of whether required by Law:
(a) CONTRACTOR shall, and shall cause CONTRACTOR Agents to, conduct its, his or her
activities in connection with this Agreement so as not to endanger or harm any Person or property.
(b) CONTRACTOR shall deliver services under this Agreement in a professional manner
consistent with the best practices of the industry in which the CONTRACTOR operates. CONTRACTOR
shall take all actions necessary or appropriate to meet the obligations described in the immediately preceding
sentence, including obtaining and maintaining, and causing all CONTRACTOR Agents to obtain and
maintain, all approvals, licenses, and certifications ("Approvals") necessary or appropriate in connection with
this Agreement.
5. Indemnification; Defense; Cooperation.
(a) CONTRACTOR shall be solely responsible for and shall indemnify and hold harmless
NHCC and its officers, employees, and agents (the "Indemnified Parties") from and against any and all
liabilities, losses, costs, expenses (including, without limitation, attorneys' fees and disbursements) and
damages ("Losses"), arising out of or in connection with any acts or omissions of CONTRACTOR or a
CONTRACTOR Agent, regardless of whether due to negligence, fault, or default, including Losses in
connection with any threatened investigation, litigation or other proceeding or preparing a defense to or
1 0