INSURANCE PROTECTION. A. The Board shall provide MESSA Plan 1 or Plan 2 described below by making payment of insurance premiums for a full twelve (12) month period each year of this Agreement for the teacher and his/her eligible dependents as defined by MESSA, subject to the provisions below.
B. Each teacher shall elect either Plan 1 or Plan 2, provided, however, that if a husband and wife are both members of the bargaining unit, one shall select Plan 1 and the other Plan 2. Part-time teachers shall receive the Plan 1 premium rate on a pro rata basis (e.g., a teacher employed for three days per week will receive three-fifths of the premium rate due to a full-time teacher eligible for the same coverage). Those part-time Teacher electing Plan 1 shall pay the difference between the prorated amount and the full cost of the appropriate health insurance by direct payment or payroll deduction.
C. The employer shall pay 80% of the total cost of the MESSA medical premium and deductible. 100% of the non-medical benefits. Additionally, the Board agrees to maintain this 80/20 cost-sharing provision during the life of this Agreement. Employees shall contribute 20% of the medical premium and the annual deductible. Employer shall fund 100% of the MESSA ABC Plan 1 annual deductible (minus the employees 20% contribution) to the employees’ Health Equity (HEQ) Health Savings Account (HSA) for each plan year. Deposits would be made in quarterly installments beginning on January 1, then April 1, then July 1, and the last installment on October 1 of each year. The District will fund the balance of the deductible due ahead of schedule for any member who incurs significant medical claims prior to receiving all four quarterly deposits. For teachers hired after January 1, the Employer will fund a percentage of the MESSA ABC Plan I annual deductible to the employees’ Health Equity” (HEQ) Health Savings Account (HSA) for each plan year equal to the percentage of the calendar year they work. Employee contributions shall be payroll deducted. Payments will start with the first pay date after the open enrollment period ends. The annual payment amount will be distributed equally throughout the remainder of the payroll dates for the school year through a qualified Section 125 plan and shall not be subject to withholding. The Employer’s qualified Section 125 plan shall include any and all of the provisions necessary for pre-tax contributions to employees’ HSA accounts. In the event an employee is not qualified f...
INSURANCE PROTECTION. Insurance protection for employees travelling on work related business is provided in accordance with the DHB’s insurance policy. The provisions of the insurance policy are available through the Human Resources department.
INSURANCE PROTECTION. The Board agrees to pay the premium cost of insurance coverage as set forth below:
A. All teachers shall make proper application with the Business Office regarding initial coverage and any and all changes in such coverage.
B. Upon receipt of written application by the District, the Board shall provide to the employee a choice of the following MESSA PAK programs: LTD - 66 2/3% Max. Mon. Salary $5,250 5% Minimum Payout $4,500 Maximum Monthly Income 90 Calendar days modified fill Pre-Existing Condition Waiver Alcohol/Drug - 2 yr limitation Mental/Nervous - 2 yr limitation Primary Social Security Offset Maternity Coverage, Rehabilitation Benefits 2 year Own Occupation Freeze on Offsets No Survivor Income No Educational Supplement 2 Year Own Occupation Life - $45,000 Negotiated Life with AD & D Vision - VSP 2 Silver Plan year is July to July Delta Dental - 80/80/80/80 - Class I, II & III Max $1,500. Class IV - $1,500. Lifetime Max LTD - 66 2/3% Max. Mon. Salary $5,250 5% Minimum Payout $4,500 Maximum Monthly Income 90 Calendar days modified fill Pre-Existing Condition Waiver Alcohol/Drug - 2 yr limitation Mental/Nervous - 2 yr limitation Primary Social Security Offset Maternity Coverage, Rehabilitation Benefits 2 year Own Occupation Freeze on Offsets No Survivor Income No Educational Supplement 2 Year Own Occupation Life - $50,000 Negotiated Life with AD & D Vision - VSP 3 Gold Plan year is July to July Delta Dental - 90/90/90 - Class I, II & III Max $1,500.; 80 Class IV - $1,500. Lifetime Max Insurance protection shall be for a full twelve (12) month period for the teacher and his/her entire family. The employer shall sign an Employer participation agreement. In addition to XXXXX-XXX, the Board will provide without cost to the teacher health coverage for sponsored dependents as defined by MESSA for a full twelve (12) month period. Teachers not electing XXXXX-XXX Plan A will select MESSA-Plan B. Effective the date of the insurance change, teachers choosing Plan B will receive $100.00 per month toward an annuity of their choice from the board approved list of annuities. In subsequent years, teachers choosing Plan B will receive the $100.00 per month effective at the conclusion of the open enrollment period. If 24 or more teachers choose Plan B, teachers will receive $300.00 per month toward an annuity of their choice from the board approved list of annuities. OptionAll by MESSA will be purchased, at Association member expense, to insure that insurance and other ...
INSURANCE PROTECTION. The Board shall pay the full cost for group term life insurance protection equal to a teacher's base salary (to the nearest thousand), with a minimum of ten thousand dollars ($10,000) to be paid to the teacher’s designated beneficiary upon death and, in the event of accidental death, a sum not less than two (2) times that amount.
INSURANCE PROTECTION a. The Board will offer employees the choice of three different health insurance plans or the equivalent, all of which shall include major medical, prescription, and dental coverage.
b. The Board will pay the premium for all health and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effect.
c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above.
d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee.
e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved.
f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits
a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June.
b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance.
c. An employee may waive one, two or all three insurances.
d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed.
e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization c...
INSURANCE PROTECTION. Insurance protection for employees travelling on work related business is provided in accordance with the employers insurance policy. The provisions of the insurance policy are available through the Human Resources department.
INSURANCE PROTECTION. Insurance protection for midwives travelling on work related business is provided in accordance with the DHBs insurance policy. The provisions of the insurance policy are available through the Human Resources department.
INSURANCE PROTECTION. A. The Board shall provide all insurance benefits listed in Section A. for a full twelve-month period of each school year for all teachers in the bargaining unit, except for those teachers electing benefits under Section B. below. Such benefits shall be provided to each teacher and his/her dependents, as defined by MESSA. Coverage will be as follows and bargaining unit members may select option 1 or 2 (option 2 will not be available until January 1, 2017):
1. MESSA ABC Plan 1
2. MESSA ABC Plan 2 Employees may use payroll deduction to contribute to the Health Savings Account (HSA) up to the IRS limit. The employer will pay the full premium up to the statutory State of Michigan hard cap. The hard cap will be smoothed for the two-person and family plans. If premium costs increase over 10% in one year, the parties will meet to discuss alternatives and review bids. If MESSA provides cost saving options during the course of this agreement, the parties will meet to discuss making those plans available to the bargaining unit. There will be no changes without mutual agreement of the parties. This shall not be considered a reopener. 2a. MESSA/Delta Dental Plan E, including the 007 orthodontic rider with no coordination of benefits, or 2b. MESSA/Delta Plan C, including the 03 orthodontic rider with internal and external coordination of benefits.
3. MESSA Term Life Insurance in the amount of sixty thousand dollars ($60,000) for the teacher only. Such insurance protection shall be paid to the teacher's designated beneficiary. In the event of accidental death, the insurance will pay double the specified amount; in the event of accidental dismemberment, the insurance will pay according to the schedule.
4. MESSA Plan VSP-2 Silver Vision Insurance including internal and external coordination of benefits.
B. Teachers not electing insurance benefits as described in Section A. above shall be provided by the Board with the following insurance benefits for a full twelve-month period of each school year. The benefits listed below shall be provided, without cost to teachers, to each teacher, not enrolled in benefits under Section A. above, and his/her eligible dependents, as defined by MESSA.
INSURANCE PROTECTION. A. The term "full time" herein shall refer to all employees covered by the Agreement who regularly work twenty (20) hours per week or more.
1. For full time employees the Board shall provide health insurance coverage for the employee and for their eligible dependents. Such coverage shall be provided under the AmeriHealth Plan as of August 1, 2010 or its equivalent. Health insurance coverage shall be for the full twelve (12) month period each year.
2. Employees must notify the District Office of any change in dependent status within thirty (30) days of the change occurring or they must reimburse the District the difference in rates for all time they should have been in a lower cost category.
3. If the Board desires to change its insurance provider, the Association agrees that it will accept the benefit levels of the State Health Benefits Program in effect at the time of change as meeting the test of equivalent benefit levels. If the Board wishes to switch to a provider other than the State Health Benefits Program, benefit levels must be equal to or greater than those existing at the time of change.
4. The spouse of a District employee who is otherwise eligible for any medical insurance coverage under this Article shall not be provided said coverage as long as his/her spouse is covered under a family plan provided by the District. Any spouse covered as of July 1, 1995 may continue their coverage as long as they are continuously employed. During the year prior to retirement, the spouse may enroll in single coverage if necessary to meet eligibility for the State Retirement Health Plan.
B. The Board will allow employee participation in a qualified IRS Code Section 125 Plan. The Board will not administer the Plan nor will it have any liability nor responsibility regarding the agent or agents administering the Plan.
1. For all full time employees the Board shall contribute $700 for 2010-2011 and then $850.00 per year for years 2011-2013 to the employee's Section 125 Plan. Anyone not having established such a Plan shall not be entitled to the amount specified.
2. Anyone employed for less than a full contact year shall have his/her amount $700 for 2010-2011 and then $850.00 per year for years 2011-2013 pro-rated based on actual time employed.
3. Any employee who does not establish their 125 Plan until later in the contract year, shall have the amount $700 for 2010-2011 and then $850.00 per year for years 2011-2013 pro-rated based on the date their Plan was establis...
INSURANCE PROTECTION. Each Party shall obtain and maintain during the term of this Agreement liability, comprehensive, and workers’ compensation insurance with a reputable insurance company to help protect against those insurable risks that such Party may incur in connection with the performance of its obligations under this Agreement. Each Party shall provide, upon request, to the other Party any such policies of such insurance, and the premium receipt(s) and insurance certificate(s)
