Common use of Hospital-Medical Insurance for Retirees Clause in Contracts

Hospital-Medical Insurance for Retirees. Persons hired on or before December 31, 2006 will be eligible for Employer monthly contributions towards Medicare complementary coverage. A retiree who has attained age sixty-five (65) and has at least fifteen (15) years of full-time active service shall be provided with hospital-medical insurance to supplement Medicare Parts A and B if the retiree had continuously remained in an Employer group health plan after retirement. If the retiree is in an HMO plan, Medicare complementary coverage shall be through that plan. Available Medicare Complementary plans and the provisions of those plans in future years are subject to change by the Employer. For persons retired by March 1, 1995, the Employer will continue to pay the full cost of the monthly premium for the available Medicare complementary plan selected for participation. For all other persons who retire, the Employer’s monthly contribution, for single party coverage, towards Medicare complementary shall be: $329.82 plus an additional 4% in future years for persons who retired on or after March 1, 1995 but on or before December 31, 2006; $343.02 plus an additional 4% in future years for persons who retire on or after January 1, 2007 but on or before December 31, 2007; $343.02 with no additional percentage increase in future years for persons who retire on or after January 1, 2008. Additionally, the retiree’s spouse is eligible for continued coverage (supplemental to Medicare if the spouse is age sixty-five (65) or older or continued coverage under an Employer group medical plan for those not eligible for Medicare). The Employer’s monthly contribution for the premiums for spousal coverage shall be as follows: (a) if the plan is Medicare complementary coverage, the Employer contribution shall be the same as for the retiree described above; (b) if the coverage is for a spouse under age sixty-five (65), the Employer contribution shall be limited to the amount contributed by the Employer for single coverage in that same group health plan for active employees. Any premium costs for hospital-medical coverage beyond the Employer contribution as described above shall be the responsibility of the retiree or the retiree’s surviving spouse who shall be required to make arrangements with the Oakland University Benefit and Compensation Services Office to pay for such monthly premium costs. Continued premium contributions from the Employer are subject to timely monthly payments from the retiree or surviving spouse of amounts beyond the Employer contribution. Persons hired on or after January 1, 2007 will be eligible for participation only, in the Employer’s Medicare complementary coverage for both retiree and spouse, with the full premium cost at the prevailing retiree rates to be paid by the retiree (“Access Only”.) The current four percent (4%) escalator on Medicare complementary coverage will continue in Calendar Years 2006 and 2007 but will be eliminated (0%) in Calendar Year 2008. Beginning January 1, 2009, employees who: (1) were full-time active employees on December 31, 2007 (2) were eligible for the Multiple Option Retirement Program pursuant to paragraph 50.1 (MORP) or the Supplemental Retirement Plan pursuant to paragraph 50.5 (SRP); and, (3) were an active employee in a paid status and eligible for Employer paid benefits received an annual lump sum of $500 to either their MORP or SRP which would continue each calendar year thereafter. Contributions will be made in January of the respective calendar year. Notwithstanding the foregoing, employees who are not eligible for Employer contribution to MORP and choose not to establish an SRP will not be eligible for the foregoing payments. Such employees will receive a pro-rata calendar year contribution in the calendar year in which they become eligible for the Employee contribution to MORP. An employee who is hired on or before the 15th of the month will have that month considered in calculating the calendar year pro-rata contribution. The Employer has established an early retirement fund from which monthly premium costs of group health coverage may be paid for an employee who retires after November 1, 1987 and her/his spouse after the retiree attains age sixty-two (62) and until she/he becomes eligible for the coverage at age sixty- five (65) described immediately above. The retiree must have retired in accordance with the provisions of 50.4 (retirement age and service requirements). The annual contribution to the early retirement fund shall be $13,000 effective calendar year 2006. Amounts not used during one (1) fiscal year will be carried over to the next fiscal year. If requests are in excess of available funding, remaining funds will be prorated among those who qualify. Two (2) times per year the University shall provide the Association with a report on usage and funds remaining. In no event will premium payments from the early retirement fund exceed Employer contributions for active employees for like coverage. These funds will initially be allocated to participants for one (1) party coverage. Any remaining funds will be used to provide two party coverage on a pro-rated basis (i.e., spouses of early OUCMT retirees will be covered once every early OUCMT retiree has been covered). The retiree must make advance arrangements with the Benefit and Compensation Services Office to pay whatever premium costs for this coverage are not paid from the fund or the coverage will not be provided. A retiree with twenty-five (25) years of full-time active service who has not attained age sixty- two ( 62), may elect to continue group hospital-medical coverage to age sixty-five (65) at his/her own expense by making advance arrangements with the Benefit and Compensation Services Office. Upon attainment of age sixty two (62), the retiree would then become eligible for premium payments to be paid from the fund along with other retirees between the ages of sixty- two (62) and sixty-five (65). Eligibility for coverage at age sixty-five (65) at Employer expense or for coverage between age sixty-two (62) and sixty-five (65) supported by the fund depends upon continued participation in the group hospital medical plan following termination from active service.

Hospital-Medical Insurance for Retirees. Persons hired on or before December 31, 2006 will be eligible for Employer monthly contributions towards Medicare complementary coverage. A retiree who has attained age sixty-five (65) and has at least fifteen (15) years of full-time active service shall be provided with hospital-medical insurance to supplement Medicare Parts A and B if the retiree had continuously remained in an Employer group health plan after retirement. If the retiree is in an HMO plan, Medicare complementary coverage shall be through that plan. Available Medicare Complementary plans and the provisions of those plans in future years are subject to change by the Employer. For persons retired by March 1, 1995, the Employer will continue to pay the full cost of the monthly premium for the available Medicare complementary plan selected for participation. For all other persons who retire, the Employer’s monthly contribution, for single party coverage, towards Medicare complementary shall be: $329.82 plus an additional 4% in future years for persons who retired on or after March 1, 1995 but on or before December 31, 2006; $343.02 plus an additional 4% in future years for persons who retire on or after January 1, 2007 but on or before December 31, 2007; $343.02 with no additional percentage increase in future years for persons who retire on or after January 1, 2008. Additionally, the retiree’s spouse is eligible for continued coverage (supplemental to Medicare if the spouse is age sixty-five (65) or older or continued coverage under an Employer group medical plan for those not eligible for Medicare). The Employer’s monthly contribution for the premiums for spousal coverage shall be as follows: (a) if the plan is Medicare complementary coverage, the Employer contribution shall be the same as for the retiree described above; (b) if the coverage is for a spouse under age sixty-sixty- five (65), the Employer contribution shall be limited to the amount contributed by the Employer for single coverage in that same group health plan for active employees. Any premium costs for hospital-medical coverage beyond the Employer contribution as described above shall be the responsibility of the retiree or the retiree’s surviving spouse who shall be required to make arrangements with the Oakland University Benefit and Compensation Services Office to pay for such monthly premium costs. Continued premium contributions from the Employer are subject to timely monthly payments from the retiree or surviving spouse of amounts beyond the Employer contribution. Persons hired on or after January 1, 2007 will be eligible for participation only, in the Employer’s Medicare complementary coverage for both retiree and spouse, with the full premium cost at the prevailing retiree rates to be paid by the retiree (“Access Only”.) The current four percent (4%) escalator on Medicare complementary coverage will continue in Calendar Years 2006 and 2007 but will be eliminated (0%) in Calendar Year 2008. Beginning January 1, 2009, employees who: (1) were full-time active employees on December 31, 2007 (2) were eligible for the Multiple Option Retirement Program pursuant to paragraph 50.1 (MORP) or the Supplemental Retirement Plan pursuant to paragraph 50.5 (SRP); and, (3) were an active employee in a paid status and eligible for Employer paid benefits received an annual lump sum of $500 to either their MORP or SRP which would continue each calendar year thereafter. Contributions will be made in January of the respective calendar year. Notwithstanding the foregoing, employees who are not eligible for Employer contribution to MORP and choose not to establish an SRP will not be eligible for the foregoing payments. Such employees will receive a pro-rata calendar year contribution in the calendar year in which they become eligible for the Employee contribution to MORP. An employee who is hired on or before the 15th of the month will have that month considered in calculating the calendar year pro-rata contribution. The Employer has established an early retirement fund from which monthly premium costs of group health coverage may be paid for an employee who retires after November 1, 1987 and her/his spouse after the retiree attains age sixty-two (62) and until she/he becomes eligible for the coverage at age sixty- five (65) described immediately above. The retiree must have retired in accordance with the provisions of 50.4 (retirement age and service requirements). The annual contribution to the early retirement fund shall be $13,000 effective calendar year 2006. Amounts not used during one (1) fiscal year will be carried over to the next fiscal year. If requests are in excess of available funding, remaining funds will be prorated among those who qualify. Two (2) times per year the University shall provide the Association with a report on usage and funds remaining. In no event will premium payments from the early retirement fund exceed Employer contributions for active employees for like coverage. These funds will initially be allocated to participants for one (1) party coverage. Any remaining funds will be used to provide two party coverage on a pro-rated basis (i.e., spouses of early OUCMT retirees will be covered once every early OUCMT retiree has been covered). The retiree must make advance arrangements with the Benefit and Compensation Services Office to pay whatever premium costs for this coverage are not paid from the fund or the coverage will not be provided. A retiree with twenty-five (25) years of full-time active service who has not attained age sixty- sixty-two ( 62), may elect to continue group hospital-medical coverage to age sixty-five (65) at his/her own expense by making advance arrangements with the Benefit and Compensation Services Office. Upon attainment of age sixty two (62), the retiree would then become eligible for premium payments to be paid from the fund along with other retirees between the ages of sixty- two (62) and sixty-five (65). Eligibility for coverage at age sixty-five (65) at Employer expense or for coverage between age sixty-two (62) and sixty-five (65) supported by the fund depends upon continued participation in the group hospital medical plan following termination from active service.five

Hospital-Medical Insurance for Retirees. Persons hired on or before December 31An employee who is retired, 2006 will be eligible for Employer monthly contributions towards Medicare complementary coverage. A retiree who has attained age sixty-five (65) and ), has at least fifteen (15) years of full-time active service and was hired on or before December 31, 2006 shall be provided with eligible for hospital-medical insurance to supplement Medicare Parts A and B as follows: Effective January 1, 1994, if the retiree had continuously remained is in an Employer a University Blue-Cross/Blue Shield of Michigan (BCBSM) group health plan after at the time of retirement, the currently available plans for Medicare complementary coverage shall be the BCBSM Blue Traditional Supplemental – Exact Fill Coverage (with Master Medical $100/$200 Deductible) plan or Blue Traditional Supplemental – Blue Cross Option 2/Blue Shield Option 1 (with Master Medical 65) plan. If the retiree is in an a University HMO plan, Medicare complementary coverage shall be through that plan. Available Medicare Complementary complementary plans and the provisions of those plans in the future years are subject to change by negotiations between the EmployerUniversity and the Association. For persons who have retired by March 1April 30, 19951994, the Employer will University shall continue to pay the full cost of the monthly premium for the available Medicare complementary plan selected for participation. An Employee hired on or before December 31, 2006 will be eligible for University monthly premium contributions towards Medicare complementary coverage. For all other persons who retire, the EmployerUniversity’s monthly contribution, for single party coveragecoverage only, towards Medicare complementary shall be: $329.82 343.02 plus an additional four percent (4% %) in future years for persons who retired on or after March May 1, 1995 but on or before December 311994, 2006; $343.02 plus an additional 4% in future years for persons who retire on or after January 1, 2007 but on or before December 31, 2007; and $343.02 with no additional percentage increase in future years for persons who retire on or after January 1, 2008. Additionally, the retiree’s spouse is eligible for continued coverage (supplemental to Medicare if the spouse is age sixty-five (65) or older or continued coverage under an Employer group medical plan for those not eligible for Medicare). The Employer’s monthly contribution for the premiums for spousal coverage shall be as follows: . (a) if the plan is Medicare complementary coverage, the Employer University contribution shall be the same as for the retiree as described above; (b) if the coverage is for a spouse under age sixty-five (65), ) the Employer University contribution shall be limited to the amount contributed by the Employer University for single coverage in that same group health plan for active employees. Any premium costs for hospital-medical coverage beyond the Employer University contribution as described above shall be the responsibility of the retiree or the retiree’s surviving spouse who shall be required to make arrangements with the Oakland University Benefit and Compensation Services Office to pay for such monthly premium costs. Continued premium contributions from the Employer University are subject to timely monthly payments from the retiree or surviving spouse of amounts beyond the Employer University contribution. Persons Employees hired on or after January 1, 2007 will be eligible for participation only, only in the EmployerUniversity’s Medicare complementary coverage for both retiree and spouse, spouse with the full premium cost at the prevailing retiree rates to be paid by the retiree (“Access Only”.) The current four percent (4%) escalator on Medicare complementary coverage will continue in Calendar Years 2006 and 2007 but will be eliminated (0%) in Calendar Year 2008). Beginning January 1, 2009, employees Employees who: (1i) were full-time active employees on December 31, 2007 (2ii) were are eligible for the Multiple Option Retirement Program pursuant to paragraph 50.1 190 (MORP) or the Supplemental Retirement Plan pursuant to paragraph 50.5 193 (SRP); and, (3iii) were are an active employee in a paid status and eligible for Employer University paid benefits received on January 1 of the respective calendar years identified below, will receive the following contributions to either their MORP or SRP, as designated by the eligible employee: a. For Calendar Year 2008, a onetime lump sum of: b. Beginning calendar year 2009, an annual lump sum of $500 to either their MORP or SRP which would continue each calendar year thereafter500. Contributions will be made in January of the respective calendar year. Notwithstanding the foregoing, the employees who are not eligible for Employer University contribution to MORP and choose not to establish an SRP will not be eligible for the foregoing payments. Such employees will receive a pro-rata calendar year contribution in the calendar year in which they become eligible for the Employee University contribution to MORP. An employee who is hired on or before the 15th of the month will have that month considered in calculating the calendar year pro-rata contribution. The Employer has established University will establish an early retirement fund Early Retiree Medical Fund (Fund) from which monthly premium costs of participation in a group health coverage plan at the University may be paid for an employee who retires after November July 1, 1987 and her/his spouse after the retiree attains age sixty-two (62) and until she/he becomes eligible for the coverage at age sixty- sixty-five (65) described immediately above. The retiree must have retired in accordance with the provisions of 50.4 paragraph 191 (retirement age and service requirementsRetirement Eligibility Status). The annual contribution University will make the following contributions to the early retirement fund shall be Fund: $13,000 effective calendar year 2006. 62,000 on July 1, 2014; $64,000 on July 1, 2015; $66,000 on July 1, 2016 Amounts not used during one (1) fiscal year will be carried over to the next fiscal year. If requests are in excess of available funding, remaining funds will be prorated among those who qualify. Two (2) times per year the University shall provide the Association with a report on usage and funds remaining. In no event will premium payments from the early retirement fund this Fund exceed Employer University contributions for active employees for like coverage. These funds will initially be allocated to participants for one (1) party coverage. Any remaining funds will be used to provide two party coverage on a pro-rated basis (i.e., spouses of early OUCMT retirees will be covered once every early OUCMT retiree has been covered). The retiree must make advance arrangements with the Benefit and Compensation Services Office to pay whatever premium costs for this coverage are not paid from the fund Fund or the coverage will not be provided. A retiree with twenty-five (25) years of full-time active service who has not attained age sixty- sixty-two ( (62), ) may elect to continue group hospital-medical coverage to age sixty-five (65) at hisher/her own his expense by making advance arrangements with the Benefit and Compensation Services Office. Upon attainment of age sixty sixty-two (62), ) the retiree would then become eligible for premium payments to be paid from the fund Fund along with other retirees between the ages of sixty- sixty-two (62) and sixty-five (65). If the Fund is depleted, the retiree will be able to maintain their benefits at their own expense. Eligibility for coverage at age sixty-five (65) at Employer University expense or for coverage between age sixty-two (62) and sixty-five (65) supported by the fund depends upon continued participation in the group hospital medical plan following termination from active service.two

Hospital-Medical Insurance for Retirees. Persons hired on or before December 31An employee who is retired, 2006 will be eligible for Employer monthly contributions towards Medicare complementary coverage. A retiree who has attained age sixty-five (65) and ), has at least fifteen (15) years of full-time active service and was hired on or before December 31, 2006 shall be provided with eligible for hospital-medical insurance to supplement Medicare Parts A and B as follows: Effective January 1, 1994, if the retiree had continuously remained is in an Employer a University Blue-Cross/Blue Shield of Michigan (BCBSM) group health plan after at the time of retirement, the currently available plans for Medicare complementary coverage shall be the BCBSM Blue Traditional Supplemental – Exact Fill Coverage (with Master Medical $100/$200 Deductible) plan or Blue Traditional Supplemental – Blue Cross Option 2/Blue Shield Option 1 (with Master Medical 65) plan. If the retiree is in an a University HMO plan, Medicare complementary coverage shall be through that plan. Available Medicare Complementary complementary plans and the provisions of those plans in the future years are subject to change by negotiations between the EmployerUniversity and the Association. For persons who have retired by March 1April 30, 19951994, the Employer will University shall continue to pay the full cost of the monthly premium for the available Medicare complementary plan selected for participation. An Employee hired on or before December 31, 2006 will be eligible for University monthly premium contributions towards Medicare complementary coverage. For all other persons who retire, the EmployerUniversity’s monthly contribution, for single party coveragecoverage only, towards Medicare complementary shall be: $329.82 343.02 plus an additional four percent (4% %) in future years for persons who retired on or after March May 1, 1995 but on or before December 311994, 2006; $343.02 plus an additional 4% in future years for persons who retire on or after January 1, 2007 but on or before December 31, 2007; and $343.02 with no additional percentage increase in future years for persons who retire on or after January 1, 2008. Additionally, the retiree’s spouse is eligible for continued coverage (supplemental to Medicare if the spouse is age sixty-five (65) or older or continued coverage under an Employer group medical plan for those not eligible for Medicare). The Employer’s monthly contribution for the premiums for spousal coverage shall be as follows: . (a) if the plan is Medicare complementary coverage, the Employer University contribution shall be the same as for the retiree as described above; (b) if the coverage is for a spouse under age sixty-five (65), ) the Employer University contribution shall be limited to the amount contributed by the Employer University for single coverage in that same group health plan for active employees. Any premium costs for hospital-medical coverage beyond the Employer University contribution as described above shall be the responsibility of the retiree or the retiree’s surviving spouse who shall be required to make arrangements with the Oakland University Benefit and Compensation Services Office to pay for such monthly premium costs. Continued premium contributions from the Employer University are subject to timely monthly payments from the retiree or surviving spouse of amounts beyond the Employer University contribution. Persons Employees hired on or after January 1, 2007 will be eligible for participation only, only in the EmployerUniversity’s Medicare complementary coverage for both retiree and spouse, spouse with the full premium cost at the prevailing retiree rates to be paid by the retiree (“Access Only”.) The current four percent (4%) escalator on Medicare complementary coverage will continue in Calendar Years 2006 and 2007 but will be eliminated (0%) in Calendar Year 2008). Beginning January 1, calendar year 2009, employees who: (1) who were full-time active employees on December 31, 2007 (2) were are eligible for the Multiple Option Retirement Program pursuant to paragraph 50.1 (MORP) or the Supplemental Retirement Plan pursuant to paragraph 50.5 (SRP); and, (3) were an active employee in a paid status and eligible for Employer paid benefits received an annual lump sum of $500 to either their MORP or SRP which would continue each calendar year thereafter500. Contributions will be made in January of the respective calendar year. Notwithstanding the foregoing, employees who are not eligible for Employer contribution to MORP and choose not to The University will establish an SRP will not be eligible for the foregoing payments. Such employees will receive a pro-rata calendar year contribution in the calendar year in which they become eligible for the Employee contribution to MORP. An employee who is hired on or before the 15th of the month will have that month considered in calculating the calendar year pro-rata contribution. The Employer has established an early retirement fund Early Retiree Medical Fund (Fund) from which monthly premium costs of participation in a group health coverage plan at the University may be paid for an employee who retires after November July 1, 1987 and her/his spouse after the retiree attains age sixty-two (62) and until she/he becomes eligible for the coverage at age sixty- sixty-five (65) described immediately above. The retiree must have retired in accordance with the provisions of 50.4 paragraph 188 (retirement age and service requirementsRetirement Eligibility Status). The annual contribution University will make the following contributions to the early retirement fund shall be Fund: $13,000 effective calendar year 2006. 68,000 on July 1, 2017 $70,000 on July 1, 2018 $72,000 on July 1, 2019 $74,000 on July 1, 2020 Amounts not used during one (1) fiscal year will be carried over to the next fiscal year. If requests are in excess of available funding, remaining funds will be prorated among those who qualify. Two (2) times per year the University shall provide the Association with a report on usage and funds remaining. In no event will premium payments from the early retirement fund this Fund exceed Employer University contributions for active employees for like coverage. These funds will initially be allocated to participants for one (1) party coverage. Any remaining funds will be used to provide two party coverage on a pro-rated basis (i.e., spouses of early OUCMT retirees will be covered once every early OUCMT retiree has been covered). The retiree must make advance arrangements with the Benefit and Compensation Services Office to pay whatever premium costs for this coverage are not paid from the fund Fund or the coverage will not be provided. A retiree with twenty-five (25) years of full-time active service who has not attained age sixty- sixty-two ( (62), ) may elect to continue group hospital-medical coverage to age sixty-five (65) at hisher/her own his expense by making advance arrangements with the Benefit and Compensation Services Office. Upon attainment of age sixty sixty-two (62), ) the retiree would then become eligible for premium payments to be paid from the fund Fund along with other retirees between the ages of sixty- sixty-two (62) and sixty-five (65). If the Fund is depleted, the retiree will be able to maintain their benefits at their own expense. Eligibility for coverage at age sixty-five (65) at Employer University expense or for coverage between age sixty-two (62) and sixty-five (65) supported by the fund Fund depends upon continued participation in the group hospital hospital-medical plan following termination from active service. Beginning January 1, 2008, the benefit will be for the member only. All members in the Fund as of December 31, 2007 will be grandfathered at current marital status. Insurance benefits for spouses and/or dependents of members retiring January 1, 2008 and beyond will be paid for by the retiree (“Access Only”). In the event that the eligibility age for Medicare Parts A and B is raised beyond sixty-five (65), the revised eligibility age shall be substituted in this paragraph wherever age sixty-five (65) is cited. The retiree’s eligibility for benefits from the Early Retiree Medical Premium fund as described above would be extended until attainment of the revised Medicare eligibility age, and eligibility for Medicare complementary coverage would occur upon attainment of the revised Medicare eligibility age.

Hospital-Medical Insurance for Retirees. Persons hired on or before December 31An employee who is retired, 2006 will be eligible for Employer monthly contributions towards Medicare complementary coverage. A retiree who has attained age sixty-five (65) and ), has at least fifteen (15) years of full-time active service and was hired on or before December 31, 2006 shall be provided with eligible for hospital-medical insurance to supplement Medicare Parts A and B as follows: Effective January 1, 1994, if the retiree had continuously remained is in an Employer a University Blue-Cross/Blue Shield of Michigan (BCBSM) group health plan after at the time of retirement, the currently available plans for Medicare complementary coverage shall be the BCBSM Blue Traditional Supplemental – Exact Fill Coverage (with Master Medical $100/$200 Deductible) plan or Blue Traditional Supplemental – Blue Cross Option 2/Blue Shield Option 1 (with Master Medical 65) plan. If the retiree is in an a University HMO plan, Medicare complementary coverage shall be through that plan. Available Medicare Complementary complementary plans and the provisions of those plans in the future years are subject to change by negotiations between the EmployerUniversity and the Association. For persons who have retired by March 1April 30, 19951994, the Employer will University shall continue to pay the full cost of the monthly premium for the available Medicare complementary plan selected for participation. An Employee hired on or before December 31, 2006 will be eligible for University monthly premium contributions towards Medicare complementary coverage. For all other persons who retire, the EmployerUniversity’s monthly contribution, for single party coveragecoverage only, towards Medicare complementary shall be: $329.82 343.02 plus an additional four percent (4% %) in future years for persons who retired on or after March May 1, 1995 but on or before December 311994, 2006; $343.02 plus an additional 4% in future years for persons who retire on or after January 1, 2007 but on or before December 31, 2007; and $343.02 with no additional percentage increase in future years for persons who retire on or after January 1, 2008. Additionally, the retiree’s spouse is eligible for continued coverage (supplemental to Medicare if the spouse is age sixty-five (65) or older or continued coverage under an Employer group medical plan for those not eligible for Medicare). The Employer’s monthly contribution for the premiums for spousal coverage shall be as follows: . (a) if the plan is Medicare complementary coverage, the Employer University contribution shall be the same as for the retiree as described above; (b) if the coverage is for a spouse under age sixty-five (65), ) the Employer University contribution shall be limited to the amount contributed by the Employer University for single coverage in that same group health plan for active employees. Any premium costs for hospital-medical coverage beyond the Employer University contribution as described above shall be the responsibility of the retiree or the retiree’s surviving spouse who shall be required to make arrangements with the Oakland University Benefit and Compensation Services Office to pay for such monthly premium costs. Continued premium contributions from the Employer University are subject to timely monthly payments from the retiree or surviving spouse of amounts beyond the Employer University contribution. Persons Employees hired on or after January 1, 2007 will be eligible for participation only, only in the EmployerUniversity’s Medicare complementary coverage for both retiree and spouse, spouse with the full premium cost at the prevailing retiree rates to be paid by the retiree (“Access Only”.) The current four percent (4%) escalator on Medicare complementary coverage will continue in Calendar Years 2006 and 2007 but will be eliminated (0%) in Calendar Year 2008). Beginning January 1, calendar year 2009, employees who: (1) who were full-time active employees on December 31, 2007 (2) were are eligible for the Multiple Option Retirement Program pursuant to paragraph 50.1 (MORP) or the Supplemental Retirement Plan pursuant to paragraph 50.5 (SRP); and, (3) were an active employee in a paid status and eligible for Employer paid benefits received an annual lump sum of $500 to either their MORP or SRP which would continue each calendar year thereafter500. Contributions will be made in January of the respective calendar year. Notwithstanding the foregoing, employees who are not eligible for Employer contribution to MORP and choose not to The University will establish an SRP will not be eligible for the foregoing payments. Such employees will receive a pro-rata calendar year contribution in the calendar year in which they become eligible for the Employee contribution to MORP. An employee who is hired on or before the 15th of the month will have that month considered in calculating the calendar year pro-rata contribution. The Employer has established an early retirement fund Early Retiree Medical Fund (Fund) from which monthly premium costs of participation in a group health coverage plan at the University may be paid for an employee who retires after November July 1, 1987 and her/his the Bargaining Unit Member’s spouse after the retiree attains age sixty-two (62) and until she/he becomes they become eligible for the coverage at age sixty- sixty-five (65) described immediately above. The retiree must have retired in accordance with the provisions of 50.4 paragraph 188 (retirement age and service requirementsRetirement Eligibility Status). The annual contribution University will make the following contributions to the early retirement fund shall be Fund: $13,000 effective calendar year 2006. 0 on July 1, 2022 $0 on July 1, 2023 $50,000 on July 1, 2024 Amounts not used during one (1) fiscal year will be carried over to the next fiscal year. If requests are in excess of available funding, remaining funds will be prorated among those who qualify. Two (2) times per year the University shall provide the Association with a report on usage and funds remaining. In no event will premium payments from the early retirement fund this Fund exceed Employer University contributions for active employees for like coverage. These funds will initially be allocated to participants for one (1) party coverage. Any remaining funds will be used to provide two party coverage on a pro-rated basis (i.e., spouses of early OUCMT retirees will be covered once every early OUCMT retiree has been covered). The retiree must make advance arrangements with the Benefit and Compensation Services Office to pay whatever premium costs for this coverage are not paid from the fund Fund or the coverage will not be provided. A retiree with twenty-five (25) years of full-time active service who has not attained age sixty- sixty-two ( (62), ) may elect to continue group hospital-medical coverage to age sixty-five (65) at his/her own their expense by making advance arrangements with the Benefit and Compensation Services Office. Upon attainment of age sixty sixty-two (62), ) the retiree would then become eligible for premium payments to be paid from the fund Fund along with other retirees between the ages of sixty- sixty-two (62) and sixty-five (65). If the Fund is depleted, the retiree will be able to maintain their benefits at their own expense. Eligibility for coverage at age sixty-five (65) at Employer University expense or for coverage between age sixty-two (62) and sixty-five (65) supported by the fund Fund depends upon continued participation in the group hospital hospital-medical plan following termination from active service.. Beginning January 1, 2008, the benefit will be for the member only. All members in the Fund as of December 31, 2007 will be grandfathered at current marital status. Insurance benefits for spouses and/or dependents of members retiring January 1, 2008 and beyond will be paid for by the retiree (“Access Only”). In the event that the eligibility age for Medicare Parts A and B is raised beyond sixty-five (65), the revised eligibility age shall be substituted in this paragraph wherever age sixty-five (65) is cited. The retiree’s eligibility for benefits from the Early Retiree Medical Premium fund as described above would be extended until attainment of the revised Medicare eligibility age, and eligibility for Medicare complementary coverage would occur upon attainment of the revised Medicare eligibility age. ARTICLE XXV‌

Hospital-Medical Insurance for Retirees. Persons hired on or before December 31An employee who is retired, 2006 will be eligible for Employer monthly contributions towards Medicare complementary coverage. A retiree who has attained age sixty-five (65) and ), has at least fifteen (15) years of full-time active service and was hired on or before December 31, 2006 shall be provided with eligible for hospital-medical insurance to supplement Medicare Parts A and B as follows: Effective January 1, 1994, if the retiree had continuously remained is in an Employer a University Blue-Cross/Blue Shield of Michigan (BCBSM) group health plan after at the time of retirement, the currently available plans for Medicare complementary coverage shall be the BCBSM Blue Traditional Supplemental – Exact Fill Coverage (with Master Medical $100/$200 Deductible) plan or Blue Traditional Supplemental – Blue Cross Option 2/Blue Shield Option 1 (with Master Medical 65) plan. If the retiree is in an a University HMO plan, Medicare complementary coverage shall be through that plan. Available Medicare Complementary complementary plans and the provisions of those plans in the future years are subject to change by negotiations between the EmployerUniversity and the Association. For persons who have retired by March 1April 30, 19951994, the Employer will University shall continue to pay the full cost of the monthly premium for the available Medicare complementary plan selected for participation. An Employee hired on or before December 31, 2006 will be eligible for University monthly premium contributions towards Medicare complementary coverage. For all other persons who retire, the EmployerUniversity’s monthly contribution, for single party coveragecoverage only, towards Medicare complementary shall be: $329.82 343.02 plus an additional four percent (4% %) in future years for persons who retired on or after March May 1, 1995 but on or before December 311994, 2006; $343.02 plus an additional 4% in future years for persons who retire on or after January 1, 2007 but on or before December 31, 2007; and $343.02 with no additional percentage increase in future years for persons who retire on or after January 1, 2008. Additionally, the retiree’s spouse is eligible for continued coverage (supplemental to Medicare if the spouse is age sixty-five (65) or older or continued coverage under an Employer group medical plan for those not eligible for Medicare). The Employer’s monthly contribution for the premiums for spousal coverage shall be as follows: . (a) if the plan is Medicare complementary coverage, the Employer University contribution shall be the same as for the retiree as described above; (b) if the coverage is for a spouse under age sixty-five (65), ) the Employer University contribution shall be limited to the amount contributed by the Employer University for single coverage in that same group health plan for active employees. Any premium costs for hospital-medical coverage beyond the Employer University contribution as described above shall be the responsibility of the retiree or the retiree’s surviving spouse who shall be required to make arrangements with the Oakland University Benefit and Compensation Services Office to pay for such monthly premium costs. Continued premium contributions from the Employer University are subject to timely monthly payments from the retiree or surviving spouse of amounts beyond the Employer University contribution. Persons Employees hired on or after January 1, 2007 will be eligible for participation only, only in the EmployerUniversity’s Medicare complementary coverage for both retiree and spouse, spouse with the full premium cost at the prevailing retiree rates to be paid by the retiree (“Access Only”.) The current four percent (4%) escalator on Medicare complementary coverage will continue in Calendar Years 2006 and 2007 but will be eliminated (0%) in Calendar Year 2008). Beginning January 1, calendar year 2009, employees who: (1) who were full-time active employees on December 31, 2007 (2) were are eligible for the Multiple Option Retirement Program pursuant to paragraph 50.1 (MORP) or the Supplemental Retirement Plan pursuant to paragraph 50.5 (SRP); and, (3) were an active employee in a paid status and eligible for Employer paid benefits received an annual lump sum of $500 to either their MORP or SRP which would continue each calendar year thereafter500. Contributions will be made in January of the respective calendar year. Notwithstanding the foregoing, employees who are not eligible for Employer contribution to MORP and choose not to The University will establish an SRP will not be eligible for the foregoing payments. Such employees will receive a pro-rata calendar year contribution in the calendar year in which they become eligible for the Employee contribution to MORP. An employee who is hired on or before the 15th of the month will have that month considered in calculating the calendar year pro-rata contribution. The Employer has established an early retirement fund Early Retiree Medical Fund (Fund) from which monthly premium costs of participation in a group health coverage plan at the University may be paid for an employee who retires after November July 1, 1987 and her/his the Bargaining Unit Member’s spouse after the retiree attains age sixty-two (62) and until she/he becomes they become eligible for the coverage at age sixty- sixty-five (65) described immediately above. The retiree must have retired in accordance with the provisions of 50.4 paragraph 188 (retirement age and service requirementsRetirement Eligibility Status). The annual contribution University will make the following contributions to the early retirement fund shall be Fund: $13,000 effective calendar year 2006. 68,000 on July 1, 2017 $70,000 on July 1, 2018 $72,000 on July 1, 2019 $74,000 on July 1, 2020 Amounts not used during one (1) fiscal year will be carried over to the next fiscal year. If requests are in excess of available funding, remaining funds will be prorated among those who qualify. Two (2) times per year the University shall provide the Association with a report on usage and funds remaining. In no event will premium payments from the early retirement fund this Fund exceed Employer University contributions for active employees for like coverage. These funds will initially be allocated to participants for one (1) party coverage. Any remaining funds will be used to provide two party coverage on a pro-rated basis (i.e., spouses of early OUCMT retirees will be covered once every early OUCMT retiree has been covered). The retiree must make advance arrangements with the Benefit and Compensation Services Office to pay whatever premium costs for this coverage are not paid from the fund Fund or the coverage will not be provided. A retiree with twenty-five (25) years of full-time active service who has not attained age sixty- sixty-two ( (62), ) may elect to continue group hospital-medical coverage to age sixty-five (65) at his/her own their expense by making advance arrangements with the Benefit and Compensation Services Office. Upon attainment of age sixty sixty-two (62), ) the retiree would then become eligible for premium payments to be paid from the fund Fund along with other retirees between the ages of sixty- sixty-two (62) and sixty-five (65). If the Fund is depleted, the retiree will be able to maintain their benefits at their own expense. Eligibility for coverage at age sixty-five (65) at Employer University expense or for coverage between age sixty-two (62) and sixty-five (65) supported by the fund Fund depends upon continued participation in the group hospital hospital-medical plan following termination from active service. Beginning January 1, 2008, the benefit will be for the member only. All members in the Fund as of December 31, 2007 will be grandfathered at current marital status. Insurance benefits for spouses and/or dependents of members retiring January 1, 2008 and beyond will be paid for by the retiree (“Access Only”). In the event that the eligibility age for Medicare Parts A and B is raised beyond sixty-five (65), the revised eligibility age shall be substituted in this paragraph wherever age sixty-five (65) is cited. The retiree’s eligibility for benefits from the Early Retiree Medical Premium fund as described above would be extended until attainment of the revised Medicare eligibility age, and eligibility for Medicare complementary coverage would occur upon attainment of the revised Medicare eligibility age.