Common use of INSURANCE AND RETIREMENT Clause in Contracts

INSURANCE AND RETIREMENT. SECTION I: The employer shall provide for all its employees and their eligible dependents covered under this agreement the following Health Insurance Programs: Horizon Traditional Program (Traditional Indemnity Program) Single $10 Parent/Child $15 Husband/Wife $15 Family $20 All employees hired after June 30, 1996 and their eligible dependents remain ineligible for this program. Horizon Blue Card PPO (Preferred Provider Organization) Doctor Co-Pay $10 Horizon Blue Choice (Point of Service) This program will be offered to all employees in this bargaining unit. This program currently has no payroll deductions. Doctor Co-Pay $5 80% Out of Network Benefits During open enrollment employees will have the opportunity to waive their medical coverage. Employees can choose to waive their medical coverage one year at a time and will be reimbursed $1,000 by the Township of Xxxxxxxx. Proof of other medical coverage is required to participate. Employees can elect to reinstate their Health coverage during the year. Employees that have their Health coverage reinstated will be responsible for reimbursing the Township of Xxxxxxxx the $1,000 on a pro-rated basis. If employment is terminated the employee is responsible for reimbursing the Township of Xxxxxxxx any monies owed. Prescription Drug Plans Employees that retire on or after 07/01/99 will be eligible for a prescription drug card. Retirees are eligible for the same prescription medication as active employees. Employees that are eligible for a prescription drug card will no longer have any prescription drug benefits under their health insurance carrier. Only employees that are eligible for medical benefits under section II of this agreement will be eligible for a prescription drug card at retirement. Employees that retired before 07/01/99 will retain the right to submit prescription drug insurance claims to the major medical portion of their health insurance. Active Employee Co-Pay Name Brand Drugs: $9 Generic Drugs: $2 Retired Employee Co-Pays 15% Co-Pay of the cost of the prescription. (Mail order only) 20% Co-Pay of the cost of the prescription. The employee is responsible for the co-pay at the pharmacy. DENTAL AND VISION The dental and vision programs will continue with the same level of benefits as in the prior contract. Effective since January 1, 1992, employees have been enrolled in the N.J. State Disability Program. The cost will be shared equally by the employer and the employee, with deductions made through the payroll deduction plan. Employees will be offered a Flexible Spending Account that they can choose to enter voluntarily. However, all payroll deductions will be automatically pre-taxed. The Personnel Office will manage the program and provide all the details. It is understood that employees shall suffer no diminution of benefits offered under the plans in effect.

INSURANCE AND RETIREMENT. SECTION I: The employer shall provide for all its employees in this union and their eligible dependents covered under this agreement the following Health Insurance Programs: Horizon Traditional Program (Traditional Indemnity Program) Payroll Deduction Single $10 Parent/Child $15 Husband/Wife $15 Family $20 All employees hired after June 30, 1996 and their eligible dependents remain ineligible for this program. Horizon Blue Card PPO (Preferred Provider Organization) Doctor Co-Pay $10 Horizon Blue Choice (Point of ServiceService Program) This program will be offered to all employees in this bargaining unit. This program currently has no payroll deductions. Doctor Co-Pay $5 80% Out of Network Benefits During open enrollment employees will have the opportunity to waive their medical coverage. Employees can choose to waive their medical coverage one year at a time and will be reimbursed $1,000 by the Township of Xxxxxxxx. Proof of other medical coverage is required to participate. Employees can elect to reinstate their Health coverage during the year. Employees that have their Health coverage reinstated will be responsible for reimbursing the Township of Xxxxxxxx the $1,000 on a pro-rated basis. If employment is terminated the employee is responsible for reimbursing the Township of Xxxxxxxx any monies owed. Prescription Drug Plans Employees that retire on or after 07/01/99 will be eligible for a prescription drug card. Retirees are eligible for the same prescription medication as active employees. Employees that are eligible for a prescription drug card will no longer have any prescription drug benefits under their health insurance carrier. Only employees that are eligible for medical benefits under section II of this agreement will be eligible for a prescription drug card at retirement. Employees that retired before 07/01/99 will retain the right to submit prescription drug Drug Prescription insurance claims to the major medical portion of their health insurance. Active Employee Co-Pay Pays Name Brand Drugs: $9 Generic Drugs: $2 Retired Employee Co-Pays 15% Co-Pay of the cost of the prescription. (Mail order only) 20% Co-Pay of the cost of the prescription. The employee is responsible for the co-pay at the pharmacy. DENTAL AND VISION Vision & Dental The dental employer shall provide a Vision Care Plan and vision programs will continue with a UCR plus co-pay Dental Care Program which includes the same level option of benefits as in an HMO Program for all its employees and their dependents covered under the prior contractagreement. Effective since January 1, 1992, employees have been will be enrolled in the N.J. State Sate Disability Program. The cost will be shared equally by the employer and the employee, with deductions made through the payroll deduction plan. Employees will be offered a Flexible Spending Account that they can choose to enter voluntarily. However, all payroll deductions will be automatically pre-taxed. The Personnel Office will manage the program and provide all the details. It is understood that employees shall suffer no diminution of benefits offered under the plans in effect.

INSURANCE AND RETIREMENT. SECTION I: The employer shall provide for all its employees in this union and their eligible dependents covered under this agreement the following Health Insurance Programs: Horizon Traditional Program (Traditional Indemnity Program) Payroll Deduction Single $10 Parent/Child $15 Husband/Wife $15 Family $20 All employees hired after June 30, 1996 and their eligible dependents remain ineligible for this program. Horizon Blue Card PPO (Preferred Provider Organization) Doctor Co-Pay $10 Horizon Blue Choice (Point of ServiceService Program) This program will be offered to all employees in this bargaining unit. This program currently has no payroll deductions. Doctor Co-Pay $5 80% Out of Network Benefits During open enrollment employees will have the opportunity to waive their medical coverage. Employees can choose to waive their medical coverage one year at a time and will be reimbursed $1,000 by the Township of XxxxxxxxHamilton. Proof of other medical coverage is required to participate. Employees can elect to reinstate their Health coverage during the year. Employees that have their Health coverage reinstated will be responsible for reimbursing the Township of Xxxxxxxx Hamilton the $1,000 on a pro-rated basis. If employment is terminated the employee is responsible for reimbursing the Township of Xxxxxxxx Hamilton any monies owed. Prescription Drug Plans Employees that retire on or after 07/01/99 will be eligible for a prescription drug card. Retirees are eligible for the same prescription medication as active employees. Employees that are eligible for a prescription drug card will no longer have any prescription drug benefits under their health insurance carrier. Only employees that are eligible for medical benefits under section II of this agreement will be eligible for a prescription drug card at retirement. Employees that retired before 07/01/99 will retain the right to submit prescription drug Drug Prescription insurance claims to the major medical portion of their health insurance. Active Employee Co-Pay Pays Name Brand Drugs: $9 Generic Drugs: $2 Retired Employee Co-Pays 15% Co-Pay of the cost of the prescription. (Mail order only) 20% Co-Pay of the cost of the prescription. The employee is responsible for the co-pay at the pharmacy. DENTAL AND VISION Vision & Dental The dental employer shall provide a Vision Care Plan and vision programs will continue with a UCR plus co-pay Dental Care Program which includes the same level option of benefits as in an HMO Program for all its employees and their dependents covered under the prior contractagreement. Effective since January 1, 1992, employees have been will be enrolled in the N.J. State Sate Disability Program. The cost will be shared equally by the employer and the employee, with deductions made through the payroll deduction plan. Employees will be offered a Flexible Spending Account that they can choose to enter voluntarily. However, all payroll deductions will be automatically pre-taxed. The Personnel Office will manage the program and provide all the details. It is understood that employees shall suffer no diminution of benefits offered under the plans in effect.

INSURANCE AND RETIREMENT. SECTION I: The employer shall provide for all its the employees in this union and their eligible dependents covered under this agreement the following Health Insurance Programs: Horizon Traditional Program (Traditional Indemnity Program) Single $10 Parent/Child $15 Husband/Wife $15 Family $20 All employees hired after June 30, 1996 and their eligible dependents remain ineligible for this program. Horizon Blue Card PPO (Preferred Provider Organization) Doctor Co-Pay $10 Horizon Blue Choice (Point of ServiceService Program) This program will be offered to all employees in this bargaining unit. This program currently has no payroll deductions. Doctor Co-Pay $5 80% Out of Network Benefits During open enrollment employees will have the opportunity to waive their medical coverage. Employees can choose to waive their medical coverage one year at a time and will be reimbursed $1,000 by the Township of Xxxxxxxx. Proof of other medical coverage is required to participate. Employees can elect to reinstate their Health coverage during the yearYear. Employees that have their Health coverage reinstated will be responsible for reimbursing the Township of Xxxxxxxx the $1,000 on a pro-rated basis. If employment is terminated the employee is responsible for reimbursing the Township of Xxxxxxxx any monies owed. Prescription Drug Plans Employees that retire on or after 07/01/99 will be eligible for a prescription drug card. Retirees are eligible for the same prescription medication as active employees. Employees that are eligible for a prescription drug card will no longer have any prescription drug benefits under their health insurance carrier. Only employees that are eligible for medical benefits under section II of this agreement will be eligible for a prescription drug card at retirement. Employees that retired before 07/01/99 will retain the right to submit prescription drug Prescription Drug insurance claims to the major medical portion of their health insurance. Active Employee Co-Pay Pays Name Brand Drugs: $9 Generic Drugs: $2 Retired Employee Co-Pays 15% Co-Pay of the cost of the prescription. (Mail order only) 20% Co-Pay of the cost of the prescription. The employee is responsible for the co-pay at the pharmacy. DENTAL AND VISION Dental and Vision The dental employer shall provide a Dental Care Program which includes the option of an HMO Program for all its employees and vision programs will continue with the same level of benefits as in the prior contracttheir dependents covered under this agreement. The employer shall provide a Vision Care Plan for all its employees and their dependents covered under this agreement. Effective since January 1, 1992, employees have been will be enrolled in the N.J. State Disability Program. The cost will be shared equally by the employer and the employee, with deductions made through the payroll deduction plan. Employees will be offered a Flexible Spending Account that they can choose to enter voluntarily. However, all payroll deductions will be automatically pre-taxed. The Personnel Office will manage the program and provide all the details. It is understood that employees shall suffer no diminution of benefits offered under the plans in effect.