The Town of Clarksburg has defined its employee benefits package effective July 1, 2026, specifying carriers, rates, and benefit designs for life, AD&D, voluntary life, critical illness, accident, hospital indemnity, short‑term disability, and whole life products. Basic life and AD&D coverage is split between Colonial and Standard, with additional voluntary products largely placed with Colonial (including critical illness, accident, hospital indemnity, STD, and whole life) and voluntary life with Standard. This reflects an awarded and implemented set of insurance contracts with multi‑year rate guarantees (2–3 years depending on product), signaling that Colonial and Standard are key incumbents for the Town’s benefits program.For benefits brokers, consultants, and competing carriers, this provides concrete incumbent intelligence and a timeline for when the Town may next review or rebid coverage as guarantees expire. A productive conversation would focus on benchmarking these plans, planning for the post‑guarantee renewal window, and supporting benefits education and administration without assuming an imminent RFP.

Most Colonial products are offered via the MIIA program; guarantees suggest potential marketing/renewal windows around mid-2028 for life and mid-2029 for most voluntary lines.