Form 5500 · Employee benefit plan · CLEVELAND, TN
LIFE CARE CENTERS OF AMERICA, INC.
The filing calls this plan LIFE CARE CENTERS OF AMERICA, INC. WELFARE BENEFITS PLAN.
Public Form 5500 records show how LIFE CARE CENTERS OF AMERICA, INC. of CLEVELAND, TN, a health care and social assistance employer, structures its employee benefits. Its broker of record is MARSH & MCLENNAN. Coverage is written through HARTFORD LIFE AND ACCIDENT and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-0963862 · plan 503 · plan year 2025, filed Jul 15, 2026
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1,160 other employer plans in Tennessee have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 3 insured health contracts, with HEALTH PLAN OF NEVADA, covers 243 of 21,563 participants (1.1%) on Schedule A.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 8 insured contracts covering health, dental, vision, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 11,314 people.
Reported premium across the insured contracts is $21,200,139, with $488,207 in disclosed broker commissions — about 2.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including HARTFORD LIFE AND ACCIDENT, DELTA DENTAL OF TENNESSEE, DEARBORN LIFE INSURANCE COMPANY and GERBER LIFE INSURANCE COMPANY. HARTFORD LIFE AND ACCIDENT writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Disability | 11,314 | Jan 1, 2026 | $6,475,299 | $188,770 |
| GERBER LIFE INSURANCE COMPANY | — | 11,140 | Jan 1, 2026 | $2,177,757 | $87,110 |
| DEARBORN LIFE INSURANCE COMPANY | Life | 22,086 | Jan 1, 2026 | $3,888,583 | $76,824 |
| HEALTH PLAN OF NEVADA | Health | 243 | Jan 1, 2026 | $1,696,551 | $50,897 |
| DELTA DENTAL OF TENNESSEE | Dental | 18,864 | Jan 1, 2026 | $4,974,072 | $49,465 |
| BLUE CROSS BLUE SHIELD | Vision | 16,848 | Jan 1, 2026 | $1,214,940 | $30,249 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 23 | Oct 1, 2025 | $227,925 | $4,892 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 86 | Jan 1, 2026 | $545,012 | $0 |
Premium and claims on this contract
DELTA DENTAL OF TENNESSEE, contract 6807. For the contract year on this filing, the carrier reported $4,974,072 in premium earned and $4,039,923 in claims incurred. Dividing one by the other gives 81%.
- DELTA DENTAL OF TENNESSEE, contract 6807 reported $522,277 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 3,520 employees, 104 recordable cases, 1,337 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
3 establishments filed under this EIN are left out of these figures: the hours and employees they reported could not both be right.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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