Common use of INSURANCE AND RETIREMENT PROGRAMS Clause in Contracts

INSURANCE AND RETIREMENT PROGRAMS. Section 1. The Hospital will continue to provide medical and dental plan benefits substantially equivalent to those presently in existence as of October 1, 2016. As of October 1, 2016, medical benefits are provided through OEBB, and dental benefits through PacificSourcePacific Source. If such benefits are not available in the local marketplace, the parties shall meet and attempt to negotiate a substitute benefit program. The period of negotiation shall not exceed forty-five (45) calendar days after written notice of unavailability of such benefit plan(s) is sent to the Oregon Nurses Association. If negotiations do not lead to mutual agreement to a substitute benefit program, the Hospital shall supply an equivalent value benefit to nurses who would otherwise have been eligible for participation. Such benefit will include a Hospital payment directly to a health insurance carrier in an amount equivalent to the Hospital’s monthly premium obligations under this agreement in lieu of the previous benefit programs. (a) Effective October, 1, 2016, the Hospital will provide fully paid employee coverage for each eligible regular full-time and part-time nurse under the Dogwood Plan under OEBB, which shall be considered the Base Plan. An Employee may select a different plan under OEBB and will pay the difference in premium. The Hospital and employee premiums for plan year October 2016 through September 2017 are set forth as Addendum A. For nurses on the Base Plan, the Hospital shall reimburse up to $500 of the $1,600 deductible once the nurse has paid and provided written receipts to confirm payment of the $1,600 medical deductible or the first $3,000 of the family deductible (b) The Hospital shall also provide vision coverage, for full-time employees, which is mandatory for all employees who are covered by the Hospital health insurance program. Premium payments are set forth in Addendum A. (c) The Hospital shall also provide dental coverage for full-time employees. Premium payments are set forth in Addendum A. (d) The Association will be given written notice and an opportunity for discussion at least thirty (30) calendar days prior to decision on any revisions in the plan benefits in effect as of the date of this Agreement. (e) Medical insurance benefits shall be made available to nurses who are on leave or laid off for up to eighteen (18) months as defined by applicable law. The COBRA rate (including all legally permissible administrative charges) will be charged as a condition of contribution of such medical coverage. Section 2. The Hospital shall provide life insurance paid for by the Hospital equal to one (1) times the nurse’s annual salary, to the next highest one thousand dollars, with a minimum coverage of $7,500, along with an equal amount of accidental death and dismemberment coverage. Section 3. The Hospital shall at Hospital expense maintain the current retirement program which shall include the following provisions:

INSURANCE AND RETIREMENT PROGRAMS. Section 1. 9.1 The Hospital will continue to provide medical and dental plan benefits substantially equivalent to those presently previously in existence as on of October 1, 20162020. As of October 1, 2016, medical Medical benefits are provided through OEBB, and dental benefits are currently provided through PacificSourcePacific SourceWillamette Dental and Delta Dental and vision benefits are provided through VSP. The parties agree and understand that the dental and vision providers may change during the term of this Agreement. If such benefits are not available in the local marketplace, the parties shall meet and attempt to negotiate a substitute benefit program. The period of negotiation shall not exceed forty-five (45) calendar days after written notice of unavailability of such benefit plan(s) is sent to the Oregon Nurses Association. If negotiations do not lead to mutual agreement to a substitute benefit program, the Hospital shall supply an equivalent value benefit to nurses who would otherwise have been eligible for participation. Such benefit will include a Hospital payment directly to a health insurance carrier in an amount equivalent to the Hospital’s monthly premium obligations under this agreement in lieu of the previous benefit programs. Any surcharge for duplicate health insurance coverage required by the medical benefits provider will be paid by the covered employee. (a) Effective October, 1, 2016, the 9.1.1 The Hospital will provide fully paid employee coverage no less than the prior year’s coverage, which shall be considered the Base Plan, for each eligible regular full-time and part-time nurse under the Dogwood Plan under OEBB, which shall be considered the Base Plan. An Employee may select a different plan under OEBB and will pay the difference in premiumnurse. The Hospital and employee premiums for plan year October 2016 through September 2017 are set forth as Addendum A. For nurses on the Base Plan, the Hospital shall reimburse up to $500 of the $1,600 deductible once the nurse has paid and provided written receipts to confirm payment of the $1,600 medical deductible or the first $3,000 of the family deductibleA. (b) 9.1.2 The Hospital shall also provide vision coverage, for full-time and part- time employees, which is mandatory for all employees who are covered by the Hospital health insurance program. Premium payments are set forth in Addendum A.. (c) 9.1.3 The Hospital shall also provide dental coverage for full-time and part- time employees. Premium payments are set forth in Addendum A.A (d) 9.1.4 The Association will be given written notice and an opportunity for discussion at least thirty (30) calendar days prior to decision on any revisions in the plan benefits in effect as of the date of this Agreement. (e) 9.1.5 Medical insurance benefits shall be made available to nurses who are on leave or laid off for up to eighteen (18) months as defined by applicable law. The COBRA rate (including all legally permissible administrative charges) will be charged as a condition of contribution of such medical coverage. Section 29.1.6 For purposes of compliance with the Affordable Care Act requirements, the Hospital will use the IRS Approved look back measurement period to determine part-time or casual employees’ eligibility for health insurance coverage in the following year. 9.1.7 On an annual basis during the Hospital’s open enrollment period, the Hospital will allow employees to opt out of medical coverage in exchange for a taxable payment of one hundred dollars ($100) per month, if the employee meets each the following requirements: a. The employee certifies in writing that the employee wishes to decline the coverage offered by the Hospital because the employee has alternate coverage that is not individual market coverage (individual market coverage includes coverage obtained on a state healthcare exchange or in the private market, Medicare Part B, Medicare Part C, and Medicare Part D) for the employee and the employee’s tax dependents. b. The alternate coverage is not coverage provided by the Hospital. c. The employee certifies that the one hundred dollars ($100) monthly payment will be treated as regular wages subject to applicable taxes and withholding requirements. Opt out payments shall only be processed on the first full pay period following the end of the prior month in which the opt out occurs provided the employee remains a full-time or part-time employee on the date the payment is made. d. The employee provides evidence of the coverage described in a. above. e. The employee’s certification of his or her intention to opt out and the evidence of alternate coverage are delivered to the Hospital’s open enrollment coordinator during the open enrollment period to which the period of coverage relates. f. The employee and all of the employee’s tax dependents maintain the alternate coverage throughout the plan year. 9.1.8 Notwithstanding the above, the insurance provider shall have final authority to determine whether it will permit the requested opt-out to occur or continue to allow the opt-out process during the term of this contract. Should OEBB change its policies to prohibit employees from opting out of health insurance coverage during the term of this agreement, the Hospital may rescind permission for any employee to continue to opt-out of Hospital provided health insurance. 9.2 The Hospital shall provide life insurance paid for by the Hospital equal to one hundred thousand dollars (1$100,000) times the nurse’s annual salary, to the next highest one for full-time nurses and sixty thousand dollars, with a minimum coverage of dollars ($7,50060,000) for part-time nurses , along with an equal amount of accidental death and dismemberment coveragecoverage for each full and part-time nurse. Section 3. 9.3 The Hospital shall at Hospital expense maintain the current retirement program which shall include the following provisionsprovisions for full-time and part-time nurses:

INSURANCE AND RETIREMENT PROGRAMS. Section 1. 9.1 The Hospital will continue to provide medical and dental plan benefits substantially equivalent to those presently previously in existence as on of October 1, 20162017. As of October 1, 2016, medical Medical benefits are provided through OEBB, and dental benefits through PacificSourcePacific SourcePacificSource. If such benefits are not available in the local marketplace, the parties shall meet and attempt to negotiate a substitute benefit program. The period of negotiation shall not exceed forty-forty- five (45) calendar days after written notice of unavailability of such benefit plan(s) is sent to the Oregon Nurses Association. If negotiations do not lead to mutual agreement to a substitute benefit program, the Hospital shall supply an equivalent value benefit to nurses who would otherwise have been eligible for participation. Such benefit will include a Hospital payment directly to a health insurance carrier in an amount equivalent to the Hospital’s monthly premium obligations under this agreement in lieu of the previous benefit programs. (a) Effective October, 1, 2016, the 9.1.1 The Hospital will provide fully paid employee coverage for each eligible regular full-time and part-time nurse under no less than the Dogwood Plan under OEBB, which shall be considered the Base Plan. An Employee may select a different plan under OEBB , for each eligible regular full-time and will pay the difference in premiumpart-time nurse. The Hospital and employee premiums for plan year October 2016 through September 2017 are set forth as Addendum A. For nurses on the Base Plan, the Hospital shall reimburse up to $500 of the $1,600 deductible once the nurse has paid and provided written receipts to confirm payment of the $1,600 medical deductible or the first $3,000 of the family deductibleA. (b) 9.1.2 The Hospital shall also provide vision coverage, for full-time employees, which is mandatory for all employees who are covered by the Hospital health insurance program. Premium payments are set forth in Addendum A. (c) 9.1.3 The Hospital shall also provide dental coverage for full-time employees. Premium payments are set forth in Addendum A. (d) 9.1.4 The Association will be given written notice and an opportunity for discussion at least thirty (30) calendar days prior to decision on any revisions in the plan benefits in effect as of the date of this Agreement.for (e) 9.1.5 Medical insurance benefits shall be made available to nurses who are on leave or laid off for up to eighteen (18) months as defined by applicable law. The COBRA rate (including all legally permissible administrative charges) will be charged as a condition of contribution of such medical coverage. Section 2. 9.2 The Hospital shall provide life insurance paid for by the Hospital equal to one (1) times the nurse’s annual salary, to the next highest one thousand dollars, with a minimum coverage of $7,500, along with an equal amount of accidental death and dismemberment coverage. Section 3. 9.3 The Hospital shall at Hospital expense maintain the current retirement program which shall include the following provisions: