Health Benefits
Dear Lakewood Township,
Pursuant to the New Jersey Open Public Records Act, N.J.S.A. 47:1A-1 et seq. ("OPRA"), the undersigned hereby requests access to and copies of the following government records maintained by Lakewood Township (the "Municipality") relating to its employee health insurance program. This request covers the current plan year and the immediately preceding two (2) plan years.
RECORDS REQUESTED
Please provide the following records in electronic format (PDF, Excel, or CSV as applicable) to the extent they exist and are maintained by the Municipality, its broker, its carrier, or any third-party administrator acting on its behalf:
1. All health insurance premium invoices and billing statements for the current plan year and the prior two (2) plan years, including any monthly premium registers broken out by coverage tier (employee only, employee + spouse, employee + child(ren), family).
2. All Summary of Benefits and Coverage (SBC) documents provided to employees for each health plan option offered in the current plan year and the prior two (2) plan years.
3. Monthly and annual claims reports for the current plan year and the prior two (2) plan years, including but not limited to: paid claims by month, large claimant reports (including any specific stop-loss or laser thresholds applied), claims by category (medical, pharmacy, behavioral health), and any carrier-issued utilization reports.
4. All enrollment data and census reports reflecting the number of covered lives by month and by plan tier for the current plan year and the prior two (2) plan years.
5. Any rate renewal notices, actuarial analyses, or carrier rate justification documents received for each plan renewal period within the scope of this request.
6. All plan documents, Summary Plan Descriptions (SPD), and carrier or TPA administrative agreements currently in effect or in effect during the prior two (2) plan years.
7. Any stop-loss or reinsurance policy documents, including specific and aggregate attachment points, premiums paid, and claims recovered, for the current plan year and the prior two (2) plan years.
8. All correspondence between the municipality and its health insurance carrier(s), broker(s), or third-party administrator(s) relating to premium negotiations, rate increases, plan design changes, or open enrollment communications for the current plan year and the prior two (2) plan years.
9. Any monthly or quarterly reporting provided by the carrier or TPA to the municipality, including loss ratio reports, trend analyses, and member cost-sharing summaries.
10. A copy of any broker of record letter(s), producer of record designation(s), or consulting agreements in effect during the period covered by this request, including any commission, fee, or compensation disclosure documents.
FORMAT AND FEE WAIVER
The undersigned requests that all responsive records be provided in electronic format via email or secure file transfer. If any records are available only in paper format, please advise prior to production so that arrangements can be made.
If a fee is required for duplication or retrieval, please provide a cost estimate in advance. If the anticipated fee exceeds $25.00, please notify the requestor before processing so that the scope of the request may be discussed.
REDACTIONS AND WITHHOLDING
If any portion of a responsive record is withheld, please identify the specific statutory exemption relied upon pursuant to N.J.S.A. 47:1A-5(g) and provide any reasonably segregable non-exempt portions. Please note that the names and compensation of public employees are not exempt from disclosure under OPRA. See Asbury Park Press v. Ocean County Prosecutor's Office, 374 N.J. Super. 312 (App. Div. 2005).
RESPONSE DEADLINE
OPRA requires a response within seven (7) business days of receipt of this request. N.J.S.A. 47:1A-5(i). If additional time is needed due to the volume or nature of the request, please provide written notice within seven (7) business days specifying the anticipated date of production.
Yours Truly,
LN.
As per the new statute signed by Governor Murphy for OPRA, the State now
requires us as of 9/3/2024, that if you are submitting at OPRA via email
or you are utilizing an old form that you need to certify the answers
to the questions included on their State’s new OPRA form.
Please follow the link below to the updated OPRA form which includes all
of the required information. Please bookmark the page for future use.
[1]https://lakewoodnj.justfoia.com/publicpo...
For informational purposes only the additional information you are
required to supply is below. Please use our portal so we may process your
request.
Under penalty of N.J.S.A. 2C:28-3 you certify that:
2) You, or another person, ______ will or _______ will not
use the requested government records for a commercial purpose;
3) You _______ are OR _______ are not seeking records in
connection with a legal proceeding. (Note that if you are confirming
that the records sought are in connection with a legal proceeding,
identification of that proceeding is required here:
Dear Township Clerk,
I certify that I haven't been convicted of an indictable offense, will not be used for commercial purpose and this isn't in connection of a legal proceeding.
Yours sincerely,
LN
Dear Requestor,
Thank you for submitting a Open Public Records Act Request Form on
07/01/2026. As such, the Township will respond as soon as possible but no
later than seven (7) business days.
Your request reference number is [1]Request Number: OPRA-JF2026-1110 and
your security key is 2074948C.
Use this information to track the status of your request at any time and
to receive responsive documents through the Township of Lakewood JustFOIA
Public Portal here:
[2]https://lakewoodnj.justfoia.com/publicpo...
Please have both reference numbers available when communicating with our
staff regarding your request.
Thank you,
[3]Label1
Township of Lakewood, NJ
231 Third Street
Lakewood, NJ 08701
(732) 364 - 2500
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References
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2. https://url4102.request.justfoia.com/ls/...
Dear Requestor,
The Township of Lakewood received your Open Public Records Act (OPRA)
request on 07/01/2026. As such, the seven (7) business day deadline to
respond to your request is 07/13/2026. This response to your request is
being provided to you on the 6th business day after the custodian's
receipt of said request.
Your OPRA request sought access to the following:
"RECORDS REQUESTED Please provide the following records in electronic
format (PDF, Excel, or CSV as applicable) to the extent they exist and are
maintained by the Municipality, its broker, its carrier, or any
third-party administrator acting on its behalf: 1. All health insurance
premium invoices and billing statements for the current plan year and the
prior two (2) plan years, including any monthly premium registers broken
out by coverage tier (employee only, employee + spouse, employee +
child(ren), family). 2. All Summary of Benefits and Coverage (SBC)
documents provided to employees for each health plan option offered in the
current plan year and the prior two (2) plan years. 3. Monthly and annual
claims reports for the current plan year and the prior two (2) plan years,
including but not limited to: paid claims by month, large claimant reports
(including any specific stop-loss or laser thresholds applied), claims by
category (medical, pharmacy, behavioral health), and any carrier-issued
utilization reports. 4. All enrollment data and census reports reflecting
the number of covered lives by month and by plan tier for the current plan
year and the prior two (2) plan years. 5. Any rate renewal notices,
actuarial analyses, or carrier rate justification documents received for
each plan renewal period within the scope of this request. 6. All plan
documents, Summary Plan Descriptions (SPD), and carrier or TPA
administrative agreements currently in effect or in effect during the
prior two (2) plan years. 7. Any stop-loss or reinsurance policy
documents, including specific and aggregate attachment points, premiums
paid, and claims recovered, for the current plan year and the prior two
(2) plan years. 8. All correspondence between the municipality and its
health insurance carrier(s), broker(s), or third-party administrator(s)
relating to premium negotiations, rate increases, plan design changes, or
open enrollment communications for the current plan year and the prior two
(2) plan years. 9. Any monthly or quarterly reporting provided by the
carrier or TPA to the municipality, including loss ratio reports, trend
analyses, and member cost-sharing summaries. 10. A copy of any broker of
record letter(s), producer of record designation(s), or consulting
agreements in effect during the period covered by this request, including
any commission, fee, or compensation disclosure documents. FORMAT AND FEE
WAIVER The undersigned requests that all responsive records be provided in
electronic format via email or secure file transfer. If any records are
available only in paper format, please advise prior to production so that
arrangements can be made. If a fee is required for duplication or
retrieval, please provide a cost estimate in advance. If the anticipated
fee exceeds $25.00, please notify the requestor before processing so that
the scope of the request may be discussed. REDACTIONS AND WITHHOLDING If
any portion of a responsive record is withheld, please identify the
specific statutory exemption relied upon pursuant to N.J.S.A. 47:1A-5(g)
and provide any reasonably segregable non-exempt portions. Please note
that the names and compensation of public employees are not exempt from
disclosure under OPRA. See Asbury Park Press v. Ocean County Prosecutor's
Office, 374 N.J. Super. 312 (App. Div. 2005). RESPONSE DEADLINE OPRA
requires a response within seven (7) business days of receipt of this
request. N.J.S.A. 47:1A-5(i). If additional time is needed due to the
volume or nature of the request, please provide written notice within
seven (7) business days specifying the anticipated date of production.
Yours Truly, LN. "
The following records being provided are responsive to your request.
1. CHIF monthly bill/vouchers 2024-2026 (32 documents)
2. Statement of Medical Benefits
3. Email correspondence (2 documents)
4. 2024 Benefits Guide
5. 2025 Benefits Guide
6. 2026 Benefits Guide
7. Draft Rates 2024
8. Draft Rates 2025
9. Draft Rates 2026
10. 2026 Plan Year Employee Benefit Renewal Projection presentation
Please click on the request link here: [1]Request Number:
OPRA-JF2026-1110 to download any responsive documents that may have been
released to you. Please be advised that there are no records responsive to
the request items 3, 6, 7, 9, and 10
This deems your request complete.
Thank you,
[2]Label1
Township of Lakewood, NJ
231 Third Street
Lakewood, NJ 08701
(732) 364 - 2500
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If your request for access to a government record has been denied or
unfilled within the seven (7) business days required by law, you have a
right to challenge the decision by the Township of Lakewood to deny
access. At your option, you may either institute a proceeding in the
Superior Court of New Jersey or file a complaint with the Government
Records Council (GRC) by completing the Denial of Access Complaint Form.
You may contact the GRC by toll-free telephone at 866-850-0511, by mail
at P.O. Box 819, Trenton, NJ, 08625, by e-mail at [3][email address],
or at their web site at [4]www.state.nj.us/grc. The GRC can also answer
other questions about the law. All questions regarding complaints filed
in Superior Court should be directed to the Court Clerk in your County.
References
Visible links
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4. https://url4102.request.justfoia.com/ls/...