Common use of INSURANCE AND ANNUITY PLAN Clause in Contracts

INSURANCE AND ANNUITY PLAN. 1. Prior to the start of the new school year, each employee shall receive, in addition to his/her contract, a statement of such employee’s benefits as appropriate, including but not limited to health, life and disability insurance. 2. The District will pay the percentage hereinafter provided for the cost of one of the following types of insurance selected by an employee: a. The cost of a Point of Service plan (POS) with such benefits and through such organizations as the District may from time to time elect. b. The cost of a Preferred Provider Plan (PPO) with such benefits and through such organizations as the District may from time to time elect. c. The cost of a Health Maintenance Organization plan (HMO) with such benefits and through such organizations as the District may from time to time elect. 3. The percentage of a premium that the District pays for Health Insurance plans is as follows: District/Employee District/Employee District/Employee Preferred Provider Organization Plan (PPO) 72.5% 27.5% 72.5% 27.5% 72.5% 27.5% Point of Service Plan (POS) 75 % 25 % 75 % 25 % 75 % 25 % Health Maintenance Organization Plan (HMO) 82.5% 17.5% 82.5% 17.5% 82.5% 17.5% 4. The above premium percentages will be in effect for the three (3) years of the contract provided that the Berkshire Health Group (BHG) makes no changes in the individual plans offered. Should the BHG force a change in any particular plan type, the District and the Association agree to reopen negotiations solely for the purpose of discussing Article XIX, Section 3 regarding the premium co-payment rates. Such reopening will apply only to Article XIX, Section 3 and will not impact any other Articles or items in the successor contract. 6. Employees will be eligible to participate in a group life insurance plan. A $10,000 life insurance policy is available, 89% of the premium cost which is borne by the District, unless modified in accordance with Massachusetts General Laws, Chapter 32B. 7. Employees who work more than thirty (30) hours per week, will be eligible to participate in the long-term disability plan offered by the District providing each participating employee authorizes payment of the full premium through payroll deduction. 8. Employees will be eligible to participate in a dental plan substantially equivalent to the plan offered by Blue Cross/Blue Shield through the Berkshire Health Group (BHG). Fifty percent (50%) of the premium cost will be borne by the District and fifty percent (50%) by the employee. 9. Both the Association and the District agree to establish an Insurance Advisory Committee (IAC) in compliance with Massachusetts General Law, composed of representation from both parties, and which may include representation from other employee groups.

INSURANCE AND ANNUITY PLAN. 1. Prior to the start of the new school year, each employee shall receive, in addition to his/her contract, a statement of such employee’s benefits as appropriate, including but not limited to health, life and disability insurance. 2. The District will pay the percentage hereinafter provided for the cost of one of the following types of insurance selected by an employee: a. The cost of a Point of Service plan (POS) with such benefits and through such organizations as the District may from time to time elect. b. The cost of a Preferred Provider Plan (PPO) with such benefits and through such organizations as the District may from time to time elect. c. The cost of a Health Maintenance Organization plan (HMO) with such benefits and through such organizations as the District may from time to time elect. 3. The percentage of a premium that the District pays for Health Insurance plans is as follows: District/Employee District/Employee District/Employee Preferred Provider Organization Plan (PPO) 72.5% 27.5% 72.5% 27.5% 72.5% 27.5% Point of Service Plan (POS) 75 % 25 % 75 % 25 % 75 % 25 % Health Maintenance Organization Plan (HMO) 82.5% 17.5% 82.5% 17.5% 82.5% 17.5% 4. The above premium percentages will be in effect for the three (3) years of the contract provided that the Berkshire Health Group (BHG) makes no changes in the individual plans offered. Should the BHG force a change in any particular plan type, the District and the Association agree to reopen negotiations solely for the purpose of discussing Article XIX, Section 3 regarding the premium co-payment rates. Such reopening will apply only to Article XIX, Section 3 and will not impact any other Articles or items in the successor contract. 6. Employees will be eligible to participate in a group life insurance plan. A $10,000 life insurance policy is available, 89% of the premium cost which is borne by the District, unless modified in accordance with Massachusetts General Laws, Chapter 32B. 7. Employees who work more than thirty (30) hours per week, will be eligible to participate in the long-term disability plan offered by the District providing each participating employee authorizes payment of the full premium through payroll deduction. 8. Employees will be eligible to participate in a dental plan substantially equivalent to the plan offered by Blue Cross/Blue Shield through the Berkshire Health Group (BHG). Fifty percent (50%) of the premium cost will be borne by the District and fifty percent (50%) by the employee. 9. Both the Association and the District agree to establish an Insurance Advisory Committee (IAC) in compliance with Massachusetts General Law, composed of representation from both parties, and which may include representation from other employee groups.

INSURANCE AND ANNUITY PLAN. 1. Prior to the start of the new school year, each employee shall receive, in addition to his/her contract, a statement of such employee’s benefits as appropriate, including but not limited to health, life and disability insurance. 2. The District will pay the percentage hereinafter provided for the cost of one of the following types of insurance selected by an employee: a. The cost of a Point of Service plan (POS) with such benefits and through such organizations as the District may from time to time elect. b. The cost of a Preferred Provider Plan (PPO) with such benefits and through such organizations as the District may from time to time elect. c. The cost of a Health Maintenance Organization plan (HMO) with such benefits and through such organizations as the District may from time to time elect. 3. The percentage of a premium that the District pays for Health Insurance plans is as follows: District/Employee District/Employee District/Employee Preferred Provider Organization Plan (PPO) 72.5% 27.5% 72.5% 27.5% 72.5% 27.5% Point of Service Plan (POS) 75 75% 25 25% 75 75% 25 25% 75 75% 25 25% Health Maintenance Organization Plan (HMO) 82.5% 17.5% 82.5% 17.5% 82.5% 17.5% 4. The above premium percentages will be in effect for the three (3) years of the contract provided that the Berkshire Health Group (BHG) makes no changes in the individual plans offered. Should the BHG force a change in any particular plan type, the District and the Association agree to reopen negotiations solely for the purpose of discussing Article XIX, Section 3 regarding the premium co-co- payment rates. Such reopening will apply only to Article XIX, Section 3 and will not impact any other Articles or items in the successor contract. 6. Employees will be eligible to participate in a group life insurance plan. A $10,000 life insurance policy is available, 89% of the premium cost which is borne by the District, unless modified in accordance with Massachusetts General Laws, Chapter 32B. 7. Employees who work more than thirty (30) hours per week, will be eligible to participate in the long-term disability plan offered by the District providing each participating employee authorizes payment of the full premium through payroll deduction. 8. Employees will be eligible to participate in a tax sheltered annuity plan pursuant to M.G.L. 71 § 37B. 9. Employees will be eligible to participate in a dental plan substantially equivalent to the plan offered by Blue Cross/Blue Shield through the Berkshire Health Group (BHG). Fifty percent (50%) of the premium cost will be borne by the District and fifty percent (50%) by the employee. 910. Both the Association and a) Each employee, as a condition of the District agree paying for an HMO plan, or POS plan or PPO plan, shall from time to establish an Insurance Advisory Committee (IAC) in compliance time as requested by the District provide the District with Massachusetts General Lawwritten statement of such employee’s hospital and surgical coverage, composed of representation HMO benefits, POS benefits and PPO benefits from both parties, all sources and which may include representation from other employee groupsprovide such identifying information about the same as the District shall request.

INSURANCE AND ANNUITY PLAN. 1. Prior to the start of the new school year, each employee shall receive, in addition to his/her contract, a statement of such employee’s benefits as appropriate, including but not limited to health, life and disability insurance. 2. The District will pay the percentage hereinafter provided for the cost of one of the following types of insurance selected by an employee: a. The cost of a Point of Service plan (POS) with such benefits and through such organizations as the District may from time to time elect. b. The cost of a Preferred Provider Plan (PPO) with such benefits and through such organizations as the District may from time to time elect. c. The cost of a Health Maintenance Organization plan (HMO) with such benefits and through such organizations as the District may from time to time elect. 3. The percentage of a premium that the District pays for Health Insurance plans is as follows: District/Health Insurance Plans FY15 District / Employee District/FY16 District / Employee District/FY17 District / Employee Preferred Provider Organization Plan (PPO) 72.5% 27.5% 72.5% 27.5% 72.5% 27.5% Point of Service Plan (POS) 75 75% 25 25% 75 75% 25 25% 75 75% 25 25% Health Maintenance Organization Plan (HMO) 82.5% 17.5% 82.5% 17.5% 82.5% 17.5% 4. The above premium percentages will be in effect for the three (3) years of the contract provided that the Berkshire Health Group (BHG) makes no changes in the individual plans offered. Should the BHG force a change in any particular plan type, the District and the Association agree to reopen negotiations solely for the purpose of discussing Article XIX, Section 3 regarding the premium co-payment rates. Such reopening will apply only to Article XIX, Section 3 and will not impact any other Articles or items in the successor contract. 6. Employees will be eligible to participate in a group life insurance plan. A $10,000 life insurance policy is available, 89% of the premium cost which is borne by the District, unless modified in accordance with Massachusetts General Laws, Chapter 32B. 7. Employees who work more than thirty (30) hours per week, will be eligible to participate in the long-term disability plan offered by the District providing each participating employee authorizes payment of the full premium through payroll deduction. 8. Employees will be eligible to participate in a tax sheltered annuity plan pursuant to M.G.L. 71 § 37B. 9. Employees will be eligible to participate in a dental plan substantially equivalent to the plan offered by Blue Cross/Blue Shield through the Berkshire Health Group (BHG). Fifty percent (50%) of the premium cost will be borne by the District and fifty percent (50%) by the employee. 9a) Each employee, as a condition of the District paying for an HMO plan, or POS plan or PPO plan, shall from time to time as requested by the District provide the District with written statement of such employee’s hospital and surgical coverage, HMO benefits, POS benefits and PPO benefits from all sources and provide such identifying information about the same as the District shall request. b) Notwithstanding the foregoing, the District shall not be obligated to provide or pay for any hospital or surgical benefit plan, or HMO plan, or POS plan or PPO plan if the employee is covered by the hospitalization and/or surgical coverage or HMO coverage, or POS coverage or PPO coverage through his/her spouse. 11. Both the Association and the District agree to establish an Insurance Advisory Committee (IAC) in compliance with Massachusetts General Law, composed of representation from both parties, and which may include representation from other employee groups.