The Office of the Comptroller of the Currency (OCC) has a requirement for experienced and qualified contractor to underwrite and administer its Short Term Disability (STD) and Long Term Disability (LTD) insurance programs for its employees as well as the employees of the Office of Financial Research (OFR). The contractor shall administer these programs from an integrated disability management approach to ease the transition from STD to LTD. This integrated approach should enhance employees’ overall experience that aids in the return-to-work efforts, vocational rehabilitation, claim filing process, and early social security notice. Federal employees are ineligible for state disability benefits. Both STD and LTD are fully insured plans. The potential requirement is further defined in the attached Statement of Work (SOW).