Common use of Dual Insurance Coverage Clause in Contracts

Dual Insurance Coverage. The parties agree to the following interpretation concerning dual insurance coverage: 1. The employee and his/her spouse may carry separate hospital-medical insurance policies, provided that no dual insurance coverage shall ensue from such insurance for the employee, his/her spouse, and any member(s) of his/her family, including children. For example, the employee may select single subscriber coverage paid for by the Board, if his/her spouse covers himself/herself and dependent children under another employer’s hospital-medical insurance coverage. A husband and a wife, however, who both work for the District shall not have the option of dual insurance coverage paid for by the Board under two separate coverages. 2. The following coverages shall not be considered dual coverage for purposes of Article 37.11: A. Hospital-medical insurance coverage provided under a pension or retirement plan, including OHIP. B. Hospital-medical coverage provided by another employer, but whose premiums are paid by the employee’s spouse in the amount of 50% or more. C. Hospital-medical coverage provided through health and welfare funds. 3. The District will provide dual insurance coverage as exceptions to the number one (1) above in the following situations: A. If legal decrees, such as divorce decrees, dictate that the dependent’s hospital- medical coverage be provided by the employee and/or his/her spouse resulting in dual coverage; B. If pre-existing conditions prevent continuous hospital-medical coverage for the employee, spouse and/or any dependent as a result of the transfer of, or dropping by the Board of other employer paid insurance in compliance with number one (1) above. 4. In the event that a spouse’s employer refuses to drop or reduce its hospital-medical coverage, the employee shall provide a letter from his/her spouse’s employer as proof of refusal to drop or reduce its hospital-medical coverage. In this instance, the District will pick up the insurance coverage for the employee and dependent children. 5. Dual hospital-medical insurance coverage will be allowed temporarily for the employee, spouse, and his/her dependents, if the request for dependent coverage does not fall within the spouse’s insurance open enrollment window period. Such dual coverage shall be extended until the effective date following the next open enrollment period. 6. The District shall provide hospital-medical insurance coverage for the employee and dependent children in instances where the employee’s spouse would lose other insurance benefits (e.g., life insurance, LTD insurance) by dropping or reducing his/her employer paid hospital-medical insurance program. 7. Dual hospital-medical insurance coverage shall be allowed for the employee and his/her over age dependents, when the spouse’s policy does not provide for said coverage. The District shall allow dual hospital-medical insurance coverage when the spouse’s employer paid hospital-medical insurance program covers less than 80% of reasonable and customary benefits provided by the traditional full family hospital- medical insurance program identified in Article 37.11 above, including deductible. For purposes of implementing this subsection, the MEA/Local Four shall appoint a representative to meet with a designee from the Employee Services Department in order to review employee requests for exemption from the parties’ agreement of no dual hospital-medical insurance coverage because of inferior coverage. If the representatives cannot agree to approve or deny a member’s request for exemption under number 8 above, MEA/Local Four may submit the issue to final and binding arbitration under Step 4 of the grievance procedure. An annual survey may be distributed by the Board to all employees carrying Board paid hospital-medical insurance for the purpose of updating eligible dependents. This survey will be sent out along with the insurance application in the fall of each year. Failure to complete and return the survey and/or application within thirty (30) days may result in loss of hospital-medical insurance benefits.

Dual Insurance Coverage. The parties agree to the following interpretation concerning dual insurance coverage: 1. The employee and his/her spouse may carry separate hospital-medical insurance policies, provided that no dual insurance coverage shall ensue from such insurance for the employee, his/her spouse, and any member(s) of his/her family, including children. For example, the employee may select single subscriber coverage paid for by the Board, if his/her spouse covers himself/herself and dependent children under another employer’s hospital-hospital- medical insurance coverage. A husband and a wife, however, who both work for the District shall not have the option of dual insurance coverage paid for by the Board under two separate coverages. 2. The following coverages shall not be considered dual coverage for purposes of Article 37.119.14: A. a. Hospital-medical insurance coverage provided under a pension or retirement plan, including OHIP. B. b. Hospital-medical coverage provided by another employer, but whose premiums are paid by the employee’s spouse in the amount of 50% or more. C. c. Hospital-medical coverage provided through health and welfare funds. 3. The District will provide dual insurance coverage as exceptions to the number one (1) above in the following situations: A. a. If legal decrees, such as divorce decrees, dictate that the dependent’s hospital- hospital-medical coverage be provided by the employee and/or his/her spouse resulting in dual coverage; B. b. If pre-existing conditions prevent continuous hospital-medical coverage for the employee, spouse and/or any dependent as a result of the transfer of, or dropping by the Board of other employer paid insurance in compliance with number one (1) above. 4. In the event that a spouse’s employer refuses to drop or reduce its hospital-hospital- medical coverage, the employee shall provide a letter from his/her spouse’s employer as proof of refusal to drop or reduce its hospital-medical coverage. In this instance, the District will pick up the insurance coverage for the employee and dependent children. 5. Dual hospital-medical insurance coverage will be allowed temporarily for the employee, spouse, and his/her dependents, if the request for dependent coverage does not fall within the spouse’s insurance open enrollment window period. Such dual coverage shall be extended until the effective date following the next open enrollment period. 6. The District shall provide hospital-medical insurance coverage for the employee and dependent children in instances where the employee’s spouse would lose other insurance benefits (e.g., life insurance, LTD insurance) by dropping or reducing his/her employer paid hospital-medical insurance program. 7. Dual hospital-medical insurance coverage shall be allowed for the employee and his/her over age dependents, when the spouse’s policy does not provide for said coverage. 8. The District shall allow dual hospital-medical insurance coverage when the spouse’s employer paid hospital-medical insurance program covers less than 80% of reasonable and customary benefits provided by the traditional full family hospital- medical insurance program identified in Article 37.11 9.14 above, including deductible. For purposes of implementing this subsection, the MEA/Local Four WWESA shall appoint a representative to meet with a designee from the Employee Services Human Resources Department in order to review employee requests for exemption from the parties’ agreement of no dual hospital-medical insurance coverage because of inferior coverage. If the representatives cannot agree to approve or deny a member’s request for exemption under number 8 above, MEA/Local Four the WWESA may submit the issue to final and binding arbitration under Step 4 of the grievance procedure. 9. An annual survey may be distributed by the Board to all employees carrying Board paid hospital-medical insurance for the purpose of updating eligible dependents. This survey will be sent out along with the insurance application in the fall of each year. Failure to complete and return the survey and/or application within thirty (30) days may result in loss of hospital-medical insurance benefits.

Dual Insurance Coverage. The parties agree to the following interpretation concerning dual insurance coverage: 1. The employee and his/her spouse may carry separate hospital-medical insurance policies, provided that no dual insurance coverage shall ensue from such insurance for the employee, his/her spouse, and any member(s) of his/her family, including children. For example, the employee may select single subscriber coverage paid for by the Board, if his/her spouse covers himself/herself and dependent children under another employer’s hospital-medical insurance coverage. A husband and a wife, however, who both work for the District shall not have the option of dual insurance coverage paid for by the Board under two separate coverages. 2. The following coverages shall not be considered dual coverage for purposes of Article 37.119.14: A. a. Hospital-medical insurance coverage provided under a pension or retirement plan, including OHIP. B. b. Hospital-medical coverage provided by another employer, but whose premiums are paid by the employee’s spouse in the amount of 50% or more. C. c. Hospital-medical coverage provided through health and welfare funds. 3. The District will provide dual insurance coverage as exceptions to the number one one (1) above in the following situations: A. a. If legal decrees, such as divorce decrees, dictate that the dependent’s hospital- hospital-medical coverage be provided by the employee and/or his/her spouse resulting in dual coverage; B. b. If pre-existing conditions prevent continuous hospital-medical coverage for the employee, spouse and/or any dependent as a result of the transfer of, or dropping by the Board of other employer paid insurance in compliance with number one (1) above. 4. In the event that a spouse’s employer refuses to drop or reduce its hospital-medical coverage, the employee shall provide a letter from his/her spouse’s employer as proof of refusal to drop or reduce its hospital-medical coverage. In this instance, the District will pick up the insurance coverage for the employee and dependent children. 5. Dual hospital-medical insurance coverage will be allowed temporarily for the employee, spouse, and his/her dependents, if the request for dependent coverage does not fall within the spouse’s insurance open enrollment window period. Such dual coverage shall be extended until the effective date following the next open enrollment period. 6. The District shall provide hospital-medical insurance coverage for the employee and dependent children in instances where the employee’s spouse would lose other insurance benefits (e.g., life insurance, LTD insurance) by dropping or reducing his/her employer paid hospital-medical insurance program. 7. Dual hospital-medical insurance coverage shall be allowed for the employee and his/her over age dependents, when the spouse’s policy does not provide for said coverage. 8. The District shall allow dual hospital-medical insurance coverage when the spouse’s employer paid hospital-medical insurance program covers less than 80% of reasonable and customary benefits provided by the traditional full family hospital- hospital-medical insurance program identified in Article 37.11 9.14 above, including deductible. For purposes of implementing this subsection, the MEA/Local Four WWESA shall appoint a representative to meet with a designee from the Employee Services Human Resources Department in order to review employee requests for exemption from the parties’ agreement of no dual hospital-medical insurance coverage because of inferior coverage. If the representatives cannot agree to approve or deny a member’s request for exemption under number 8 above, MEA/Local Four the WWESA may submit the issue to final and binding arbitration under Step 4 of the grievance procedure. 9. An annual survey may be distributed by the Board to all employees carrying Board paid hospital-medical insurance for the purpose of updating eligible dependents. This survey will be sent out along with the insurance application in the fall of each year. Failure to complete and return the survey and/or application within thirty (30) days may result in loss of hospital-medical insurance benefits.

Dual Insurance Coverage. The parties agree to the following interpretation concerning dual insurance coverage: 1. ) The employee and his/her spouse may carry separate hospital-hospital medical insurance policies, provided that no dual insurance coverage shall ensue from such insurance for the employee, his/her spouse, and any member(s) member/s of his/her family, including children. For example, the employee may select single subscriber coverage paid for by the Board, if his/her spouse covers himself/herself and dependent children under another employer’s hospital-'s hospital medical insurance coverage. A husband and a wife, however, who both work for the District District, shall not have the option of dual insurance coverage paid for by the Board under two separate coverages. 2. ) The following coverages shall not be considered dual coverage for purposes of Article 37.1125.2: A. Hospital-a) Hospital medical insurance coverage provided under a pension or retirement plan, including OHIP. B. Hospital-b) Hospital medical coverage provided by another employer, but whose premiums are paid by the employee’s 's spouse in the amount of 50% or more. C. Hospital-c) Hospital medical coverage provided through health Health and welfare fundsWelfare Funds. 3. ) The District will provide dual insurance coverage as exceptions to the number one (1) above in the following situations: A. a) If legal decrees, such as divorce decrees, dictate that the dependent’s hospital- 's hospital medical coverage be provided by the employee and/or his/her spouse resulting in dual coverage; B. b) If pre-existing preexisting conditions prevent continuous hospital-hospital medical coverage for the employee, spouse spouse, and/or any dependent as a result of the transfer of, or dropping by the of any Board of or other employer paid insurance in compliance with number one (1) above. 4. ) In the event that a spouse’s 's employer refuses to drop or reduce its hospital-hospital medical coverage, the employee shall provide a letter from his/her spouse’s 's employer as proof of refusal to drop or reduce its hospital-hospital medical coverage. In this instance, the District will pick up the insurance coverage for the employee and dependent children. 5. ) Dual hospital-hospital medical insurance coverage will be allowed temporarily for the employee, spouse, and his/her dependents, if the request for dependent coverage does not fall within the spouse’s 's insurance open enrollment window period. Such dual coverage shall be extended until the effective date following the next open enrollment period. 6. ) The District shall provide hospital-hospital medical insurance coverage for the employee and dependent children in instances where the employee’s 's spouse would lose other insurance benefits (e.g., life insurance, LTD insurance) by dropping or reducing his/her employer paid hospital-hospital medical insurance program. 7. ) Dual hospital-hospital medical insurance coverage shall be allowed for the employee and his/her over age overage dependents, when the spouse’s 's policy does not provide for said coverage. . 8) The District shall allow dual hospital-hospital medical insurance coverage when the spouse’s 's employer paid hospital-hospital medical insurance program covers less than 80% of reasonable and customary benefits provided by the traditional full family hospital- employee’s hospital-medical insurance program identified in Article 37.11 aboveinsurance, including deductible. For purposes of implementing this subsection, the MEA/Local Four B.O.S.S. shall appoint a representative to meet with a designee from the Employee Services Human Resources Department in order to review employee requests for exemption from the parties’ ' agreement of no dual hospital-hospital medical insurance coverage because of inferior coveragecoverage (number 8 above). If the representatives cannot agree to approve or deny a member’s 's request for exemption under number 8 above, MEA/Local Four the B.O.S.S. may submit the issue to final and binding arbitration under Step 4 of the grievance procedure. Grievance Procedure. 9) An annual survey may will be distributed by the Board to all employees carrying Board paid hospital-hospital medical insurance for the purpose of updating eligible dependents. This survey will be sent out along with the insurance application in the fall of each year. Failure to dependents The employee must complete and return the survey and/or application within thirty (30) days of the material's being mailed. Failure to comply may result in loss of hospital-hospital medical insurance benefits.