Common use of INSURANCE PROTECTION Clause in Contracts

INSURANCE PROTECTION. The Board shall provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%

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 twelveto 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 coverage period for all bargaining unit members through 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. Bargaining 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 benefit programs retain their non-taxable status. In the event that a bargaining unit members member is fully disabled through an injury or illness covered by Worker's Compensation, sick leave shall have a choice of participating in PAK Anot be reduced, PAK B or PAK C. GEA members will unless requested by the employee and the Board agrees to pay the difference between the hard cap (annually determined by the legislature) and the premium cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible coverage for the cost duration of the medical health plan that exceeds current insurance enrollment year. At the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount employee, if the insurance carrier has no objection, he or she may purchase at group rate insurance coverage for the duration of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%disability.

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all without cost to the bargaining unit members through member XXXXX-XXXXXX for a full twelve (12) month period for the bargaining unit member and his/her dependents. The Employer shall sign an Employer participation agreement. The Association will review the composition of the Plan A and Plan B paks each year and the Professional Governance Council will review the changes before implementation. Insurance coverage will remain MESSA Choices II for the duration of this agreement. An insurance committee will be formed through PGC to review potential alternatives for health insurance for subsequent years. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap monthly copays of $40 for full families (annually determined by the legislature) 3 or more), $30 for two person coverage, and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs$20 for single person coverage. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK PLAN A: HEALTH: • For employees needing health insurance MESSA ABC1 Choices II Long Term Disability 60% $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 5,000 maximum • 90 Calendar Days Modified Wait • calendar days - modified fill Freeze on offsets Pre-existing condition waiver • Alcoholism/drug same as any other illness Mental/nervous same as any other illness Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 PLAN B: For employees not needing health insurance Long Term Disability 66.7% $5,000 maximum 90 calendar days - modified fill Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same drug same as any other illness • Mental/Nervous – Same nervous same as any other illness NEGOTIATIED LIFE – Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 Bargaining unit members not electing XXXXX-XXX Plan A will select XXXXX-XXX Plan B plus receive eighty (80%) percent of the MESSA Choices II single subscriber amount less the employers amount for FICA and less the single person subscriber copay of $20 to be applied to a MESSA nontaxable variable option package (Board paid life insurance is not to exceed the IRS regulation total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. $50,000) and/or tax deferred annuity plan of the employee's choice. Teachers working half time will be eligible for half benefits. Health insurance will be provided to high school completion and summer school instructors based upon the following schedule: 1. Instructors authorized to work for a minimum of thirty-five (35) hours per week will receive fully paid health insurance provided other regular teachers. 2. Instructors authorized to work for a minimum of twenty (20) hours each week but less than thirty-five (35) hours per week will receive one-half (1/2) of the monthly health insurance premium paid by the Board provided the teacher authorizes payroll deduction for the remainder of the premium cost. 3. Summer school instructors, if eligible, will receive health insurance benefits as provided in 1 and 2 above only during the actual months of employment. The employee will be provided the above listed insurance coverage if he is not covered elsewhere by a health care protection plan equivalent to MESSA Choices II. B. In the event that an employee, absent because of illness or injury, has exhausted sick leave accrual the above mentioned fringe benefits shall continue throughout the balance of the school year. C. The Board shall make payment of insurance premiums for each employee, providing they have made proper application, to provide insurance coverage for the full time twelve- month period commencing September 1 and ending August 31. When necessary, premiums in behalf of the teacher shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 be made retroactively or prospectively to assure uninterrupted participation and coverage. Insurance according to payment will cease the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%last day of the month in which termination of employment occurs if such termination is before the end of the regular school year.

INSURANCE PROTECTION. A. The Board Employer shall provide twelveeach Teacher with a fully paid full-month family medical insurance program appropriate to the number of immediate family members. The medical insurance carrier shall be MESSA Choices II. The coverage for all bargaining unit members through XXXXXof this provision is limited to one health plan per household. Medical insurance changes will be implemented as soon as possible after ratification. ($10/$10 Co-XXX. Bargaining unit members Pay Drug Card) with reimbursement plan Long Term Disability 66-2/3% $2,500 Maximum 90 Calendar Days – Modified Fill Maternity Coverage Pre-Existing Condition Waiver – Yes Freeze on Offsets – Yes Alcoholism/Drug same as any other illness Mental/Nervous same as any other illness Negotiated Life $50,000 AD & D Delta Dental 50/50/50:$1,500 / 50:$1,500 Plan B – For Teachers Not Needing Health Insurance Long Term Disability Same as above Negotiated Life $50,000 AD & D Vision VSP-3 Gold Delta Dental 50/50/50:$1,500 / 50:$1,500 B. Teachers hired prior to September 1, 2008, not electing health insurance coverage shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and cash amount equal to the cost of the selected single subscriber health insurance planrate of Choices II. Teachers hired after September 1, MESSA ABC 1or MESSA ABC 2 of medical 2008, not electing health insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B coverage shall receive a cash option in lieu amount of health benefitsThree Hundred Dollars ($300.00) per month. The Board Employer shall develop adopt and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. This amount may also be used toward insurance coverage and/or tax sheltered annuities or MESSA Options. C. The amount Xxxxxxx School District will have the opportunity in each year of the cash payment shall be $4420.00 yearly and may be applied contract to have a TaxMESSA representative explain the MESSA PAK pro-Deferred Annuity. To elect ration cost procedure for the annuity, Xxxxxxx Community Schools based on the member shall enter into a salary reduction agreement. current year Xxxxxxx Community School census of those employees who are MESSA PAK members. D. The Board and of Education shall reimburse the employee shall be responsible difference for paying their respective FICA taxes on each generic prescription co-pay for the cash payment. Costs relating $10 Rx Plan as follows: Up to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 34-day supply $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • 5.00 90-day supply $6,000 maximum • 90 Calendar Days Modified Wait • Pre15.00 90-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%day supply mail order $18.00

INSURANCE PROTECTION. The Board shall provide twelve-month coverage for all to the bargaining unit members through XXXXXmember the MESSA Choices II (as outlined in Plan A and B below) for a full (12) month for each fulltime employee and the employee’s eligible dependents. Each full-XXX. Bargaining unit members time employee shall have a choice pay 20% of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance planMESSA Choices II Premium (Plan A or Plan B). For any employee who does not select Plan A offered by the Board, MESSA ABC 1or MESSA ABC 2 the employee shall receive Plan B and $5,500 annually (or $458.33/monthly) as cash in lieu of medical insurance costsinsurance. In the case of husband and wife who are both employed in the district, one will take Plan A and one will take Plan B. The amount will be withheld over 21 spouse who elects Plan B shall receive $3,600 annually (or 26 pays $300.00/monthly) as cash in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreementlieu as insurance. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost Teachers may select one of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK following plans: Plan A: HEALTH: • MESSA ABC1 Choices II 10/20 Rx /$10 OV $1350/$2700 300/$600 Deductible (Optional: District prefunded HSA $950/1900In-Network) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70LTD 66.67% of salary • $6,000 maximum • 90 Calendar Days Day Modified Wait • Fill 4000 Maximum Pre-existing condition waiver • Freeze on offsets • Alcoholism/Condition Waiver-Yes Alcohol & Drug – Same as any illness • Abuse Care - Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental -70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $20,000 AD+D Vision - VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK III Plus Plan B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total LTD 66.67% 90 Calendar Day Modified Fill 4000 Maximum Pre-existing Condition Waiver-Yes Alcohol & Drug Abuse Care - Mental/Nervous Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental - 70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $25,000 AD+D Vision - VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B III Plus Part-time employees shall receive a cash option in lieu pro-rata share of health benefitspremiums. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The remaining amount of the cash payment shall be $4420.00 yearly and may be applied to a Taxdeducted from the part-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643time employee’s wages. 7.1 SCHEDULE A - SALARIES – LONG TERM DISABILITY 2011-14 Longevity 7.1 SCHEDULE A – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • PreSALARIES - 2010-existing condition waiver • Freeze on offsets • Alcoholism/Drug 2011 7.1 SCHEDULE A - SALARIES - 2011-2012 7.1 SCHEDULE A - SALARIES - 2012-2013 7.1 SCHEDULE A – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%SALARIES - 2013-2014

INSURANCE PROTECTION. A. For full-time teachers who select plan A, the board’s obligation to pay the MESSA PAK health insurance portion of the plan A premium and costs shall be limited to the following amounts and the teacher shall pay any portion of the health insurance premium and costs in excess of the following amounts through payroll deduction for a full twelve-month period: Full Family: $1660.12 per month Two Person: $1273.00 per month Single Subscriber: $608.71 per month The aforementioned amounts shall be adjusted per the publicly funded health insurance contribution act to be consistent with the “caps” in section 3 of that legislation. To determine the health insurance portion of the Plan A premium and costs, the board shall obtain from MESSA information needed to ascertain the Plan A premium and the premiums for the separate insurances which comprise Plan A. Both parties agree that once this contract expires employees will be responsible for paying the January 1 MESSA renewal increase commencing with the January payment until a successor agreement is reached. Boyne Falls School will be policyholder of any insurance packages. PLAN A: ABOVE BENEFITS INCLUDE: Choices II PPO Saver RX Prescription ($10/$40) 500/1000 deductible $20 office visit Each member has the option to change coverage choice to ABC plan 1 on an individual basis effective January 1 each year. This option must be submitted to the business office, in writing, by November 1 annually. On an annual basis, the Association shall have the ability to make changes to its health care plan options. LTD Plan I 60% 90 Calendar Days modified fill $3,500 Monthly Maximum Social Security Offset: Family Alcoholism/Drug Addiction – Two (2) Year Mental/Nervous – Two (2) Year Delta Dental Plan D-004 80/80/80 with $1,300 maximum lifetime ortho Negotiated Life $50,000 AD&D Vision VSP 3+ Platinum PLAN B: Delta Dental Plan E-007 80/80/80 with $1,300 maximum lifetime ortho Negotiated Life $50,000 AD&D LTD 60% as above Vision VSP 3+ Platinum B. An open enrollment period shall be provided whenever contribution subsidy amounts change for the groups. Employees not wishing health insurance subsidy and choosing MESSA Plan B, may applythe equivalent of an individual employee’s single subscriber premium, per the cap as described in Section 5.1 A toward any of the MESSA or Board-approved options. For bargaining unit members who choose MESSA Plan B, The Board shall provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating cashoption up to the single subscriber health insurance premium per the cap as described in PAK A, PAK B or PAK C. GEA members will pay section 5.1 A to the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefitsfollowing: 1. The Board shall develop and implement formally adopt a qualified plan document which complies with Section 125 of the Internal Revenue Code. 2. The amount of the cash payment shall be $4420.00 yearly and received may be applied by the bargaining unit members to a Taxan MEA financial services or other approved tax-Deferred Annuitydeferred annuity. To elect the a tax-deferred annuity, the bargaining unit member shall enter into a salary reduction agreement. 3. The Board and program will become effective not more than ninety (90) calendar days from the employee ratification of this agreement. Benefits currently being provided to bargaining unit member employees shall be responsible for paying their respective FICA taxes on continue as is until the cash paymentnewly negotiated benefits program is in effect. 4. Costs All costs relating to the implementation and administration of benefits under this program shall be borne by the Board. 5. PAK C: HEALTH: • The section 125 Administration shall be provided by MESSA ABC2 $2000/$4000 Deductible Optional or other approved carrier. The employer shall enter into a MESSA Optional administrative services contract. C. Insurance benefits shall be offered to part-time teacher(s) separate from the MESSA referenced under Section 5.1 A, above, but shall be determined by the appropriate (Optional: District prefunded HSA$950/$1900i.e., half (1/2) time pro-ration of the amount of portions the premium the employer pays for plan a full-time employees (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70for example, the board will pay a half time employee getting single subscriber 50% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total 5,500 even if the cost of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less the health care premium is greater than full time the $5,500 cap). This premium amount shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according be available to the following: Less than ¼ teacher(s) to purchase on an ala carte basis from the MESSA health, dental, vision, life and/or long-term disability plans offered by the carrier. If such part-time none ¼ teacher(s) do not elect health, then the teacher(s) shall be allowed to less than ½ time 25% ½ place the amount determined in the paragraph above up to less than ¾ time 50% ¾ the single subscriber premium towards options as provided for in Section 5.1 B, above. Should the teacher(s) wish to full time 100%place all or part of this amount towards an annuity as referenced under Section 5.1 B, the teacher(s) shall be allowed to utilize the Section 125 plan referenced under this section as a cash option in lieu of health benefits to do so. D. Any amounts exceeding the employer subsidy share shall be payroll deducted. The payroll deduction shall be pre-tax unless a written notification is submitted to the district by the teacher. E. After January 1, 2017, employees who opt for cash in lieu of health insurance shall provide reasonable evidence of alternate health insurance coverage for the employee and dependents prior to such election.

INSURANCE PROTECTION. A. The Board shall pay the premium costs of, the following MESSA PAK insurance for a full twelve‐month period for the bargaining unit member and his/her entire family. The co‐ pay amounts shall be Saver RX which is equivalent to a $10/$40 per prescription. The district will reimburse prescription co‐pays greater than $20 back to the $20 level. This reimbursement will be a maximum level of $500 per employee. Employees will contribute 15% (fifteen) pre‐tax, of their medical, vision, dental, negotiated life and long‐term disability. Both parties agree that once the contract expires employees will be responsible for paying the July 1 MESSA Renewal increase for the 2012‐2013 year commencing with the September payment until a successor agreement is reached. Boyne Falls School will be policyholder of any insurance packages. PLAN A: ABOVE BENEFITS INCLUDE: Choices II PPO Saver RX Prescription ($10/$40) 500/1000 deductible (reimbursed) $20 office visit LTD Plan I 60% 90 Calendar Days modified fill $2,500 Maximum Social Security Freeze Alcoholism/Drug Addiction – Two (2) Year Mental/Nervous – Two (2) Year Delta Dental Plan D‐004 60/60/60 with $1,000 maximum lifetime ortho Negotiated Life $10,000 AD&D Vision VSP 3+ Platinum PLAN B: Delta Dental Plan E‐007 80/80/80 with $1,300 maximum lifetime ortho Negotiated Life $20,000 AD&D LTD 60% as above Vision VSP 3+ Platinum B. Bargaining Unit Members not electing MESSA PAK Plan A will select MESSA PAK Plan B. Any contribution amount exceeding the Employer’s subsidy shall be payroll deducted. An open enrollment period shall be provided whenever contribution subsidy amounts change for the groups. Employees not wishing health insurance subsidy and choosing MESSA PAK Plan B, may apply the equivalent of an individual employee’s single subscriber premium toward any of the MESSA or Board‐approved options. The Board shall provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefitsbenefits up to the amount of the Choices II PPO single subscriber premium according to the following: 1. The Board shall develop and implement formally adopt a qualified plan document which complies with Section 125 of the Internal Revenue Code. 2. The amount of the cash payment shall be $4420.00 yearly and received may be applied by the bargaining unit members to a Tax-Deferred Annuityan MEA financial services or other approved tax‐deferred annuity. To elect the a tax‐deferred annuity, the bargaining unit member shall enter into a salary reduction agreement. 3. The Board and program will become effective not more than ninety (90) calendar days from the employee ratification of this agreement. Benefits currently being provided to bargaining unit member employees shall be responsible for paying their respective FICA taxes on continue as is until the cash paymentnewly negotiated benefits program is in effect. 4. Costs All costs relating to the implementation and administration of benefits under this program shall be borne by the Board. 5. PAK CThe section 125 Administration shall be provided by MESSA Optional or other approved carrier. The employer shall enter into a MESSA Optional administrative services contract. 6. Any amounts exceeding the employer subsidy share may be payroll deducted. C. Upon request of a bargaining unit member either on, or applying for, either disability (STD) benefits under sub‐section B (options), the Board shall allow the long‐term disability (LTD) benefits under plans (A) or (B) the above, or short‐term bargaining unit member to sign over his/her benefit to school district. The District shall, immediately upon receipt of the benefit from the insurance carrier, issue a check to the bargaining unit member in the full amount of the original benefit, less applicable taxes. The school district shall report the appropriate percentage of pro‐rated time based upon the percentage of benefit received to the Michigan Public School Employees Retirement System (MPSERS) for credit. Example: HEALTHA member on LTD at a 66 2/3% benefit for 180 days would have 120 days (66 2/3% of 180) credited for retirement purposes with MPSERS. It is understood and agreed that this provision is in accordance with recent rulings of MPSERS to allow such credit. Members shall use the following form to request this arrangement: • MESSA ABC2 $2000/$4000 Deductible I, (Optional: District prefunded HSA$950/$1900print) hereby request that the Boyne Falls Public School receive the amount of (long term) (Members may elect not short term) disability benefit that I am authorized to accept prefunded HSAreceive from MESSA. I authorize MESSA to disburse the underlined benefit above directly to the school district. In return for my authorization, the Boyne Falls School District shall, upon receipt of the benefit, issue a check for the same amount (less taxes) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% to me through the school district payroll and report the appropriately pro‐ rated amount of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze time based on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total the percentage of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance my benefit to the Michigan Public School Retirement System (MPSERS) for credit. This request and authorization is according to Section 5.1C of the following: Less than ¼ current master agreement between the school district and the Association. D. Insurance benefits shall be offered to part‐time teacher(s) separate from the MESSA PAK referenced under Section 5.1 A, above, but shall be determined by the appropriate (i.e., half (1/2) time none ¼ pro‐ration of the premium of Plan A. This premium amount shall be available to less than ½ time 25% ½ the teacher(s) to less than ¾ time 50% ¾ purchase on an ala carte basis from the MESSA health, dental, vision, life and/or long‐term disability plans offered by the carrier. If such part‐time teacher(s) do not elect health, then the teacher(s) shall be allowed to full time 100%place the amount determined in the paragraph above up to the single subscriber premium towards options as provided for in Section 5.1 B, above. Should the teacher(s) wish to place all or part of this amount towards an annuity as referenced under Section 5.1 B, the teacher(s) shall be allowed to utilize the Section 125 plan referenced under this section as a cash option in lieu of health benefits to do so.

INSURANCE PROTECTION. The Board shall provide twelve-month coverage for all to the bargaining unit members through XXXXXmember the MESSA Choices II (as outlined in Plan A and B below) for a full (12) month for each fulltime employee and the employee’s eligible dependents. Each full-XXX. Bargaining unit members time employee shall have a choice pay 20% of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance planMESSA Choices II Premium (Plan A or Plan B) and any Federal/State Health Care taxes not covered by MESSA. For any employee who does not select Plan A offered by the Board, MESSA ABC 1or MESSA ABC 2 the employee shall receive Plan B and $5,500 annually (or $458.33/monthly) as cash in lieu of medical insurance costsinsurance. In the case of husband and wife who are both employed in the district, one will take Plan A and one will take Plan B. The amount will be withheld over 21 spouse who elects Plan B shall receive $3,600 annually (or 26 pays $300.00/monthly) as cash in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreementlieu as insurance. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost Teachers may select one of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK following plans: Plan A: HEALTH: • MESSA ABC1 Choices II Saver Rx /$10 OV $1350/$2700 300/$600 Deductible (Optional: District prefunded HSA $950/1900In-Network) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70LTD 66.67% of salary • $6,000 maximum • 90 Calendar Days Day Modified Wait • Fill 4000 Maximum Pre-existing condition waiver • Freeze on offsets • Alcoholism/Condition Waiver-Yes Alcohol & Drug – Same as any illness • Abuse Care - Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental -70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $20,000 AD+D Vision - VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK III Plus Plan B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total LTD 66.67% 90 Calendar Day Modified Fill 4000 Maximum Pre-existing Condition Waiver-Yes Alcohol & Drug Abuse Care - Mental/Nervous Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental - 70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $25,000 AD+D Vision - VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B III Plus Part-time employees shall receive a cash option in lieu pro-rata share of health benefitspremiums. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The remaining amount of the cash payment shall be $4420.00 yearly and may be applied to a Taxdeducted from the part-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%employee’s wages.

INSURANCE PROTECTION. A. The Board shall provide twelveXXXXX-XXX for a full twelve (12) month coverage period for all the bargaining unit members through XXXXX-XXXmember and his/her dependents. The Employer shall sign an Employer participation agreement. Insurance coverage will remain MESSA Choices II for the duration of this agreement. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay twenty percent (20%) of the difference between the hard cap (annually determined by the legislature) and the total cost of the selected insurance premium for the level of coverage provided to the bargaining unit member for payroll deduction through a section 125 premium contribution plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B employer shall receive a cash option in lieu of health benefits. The Board shall develop and implement adopt a qualified plan document which complies with Section 125 section of the Internal Revenue Code. The amount of the cash payment shall be internal revenue code. PLAN A: For employees eligible and electing HEALTH insurance MESSA Choices II HEALTH $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 10 XX/$00 XX/$00 ER $2000/$4000 200/$400 in network Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70$10/$20 Prescription Rider Long Term Disability 60% of salary • $6,000 5,000 maximum • 90 Calendar Days Modified Wait • calendar days - modified fill Family Social Security offsets Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same drug same as any other illness • Mental/Nervous – Same nervous same as any other illness NEGOTIATIED LIFE – A total Cost of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80living benefit Delta Dental 75/50/75: $ $2,000 with Adult Ortho A. adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 PLAN B: For employees not electing health insurance Long Term Disability 66.7% $5,000 maximum 90 calendar days - modified fill Family Social Security offsets Pre-existing condition waiver Alcoholism/drug same as any other illness Mental/nervous same as any other illness Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 Teachers working half time will be eligible for half benefits. Health insurance will be provided to high school completion and summer school instructors based upon the following schedule: 1. Instructors authorized to work for a minimum of thirty-five (35) hours per week will receive fully paid health insurance provided other regular teachers. 2. Instructors authorized to work for a minimum of twenty (20) hours each week but less than thirty-five (35) hours per week will receive one-half (1/2) of the monthly health insurance premium paid by the Board provided the teacher authorizes payroll deduction for the remainder of the premium cost. 3. Summer school instructors, if eligible, will receive health insurance benefits as provided in 1 and 2 above only during the actual months of employment. The employee will be provided the above listed insurance coverage if he/she is not covered elsewhere by a health care protection plan. B. In the event that an employee, absent because of illness or injury, has exhausted sick leave accrual the above mentioned fringe benefits shall continue throughout the balance of the school year. C. The Board shall make payment of insurance premiums for each employee, providing they have made proper application, to provide insurance coverage for the full time twelve- month period commencing September 1 and ending August 31. When necessary, premiums in behalf of the teacher shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 be made retroactively or prospectively to assure uninterrupted participation and coverage. Insurance according to payment will cease the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%last day of the month in which termination of employment occurs if such termination is before the end of the regular school year.

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all without cost to the bargaining unit members through XXXXXmember, the MESSA PAK (as outlined in Paragraph B below) for a full twelve (12) month period beginning September 1, 2005 for each full-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) time employee and the cost employee's eligible dependents. Part-time employees shall receive a pro-rata share of premiums. The remaining amount shall be deducted from the part-time employee's wages. B. Teachers may select one of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria following plans: Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70Choices II LTD 66.67% of salary • $6,000 maximum • 90 120 Calendar Days Day Modified Wait • Fill 4000 Maximum Pre-existing condition waiver • Freeze on offsets • Alcoholism/Condition Waiver-Yes Alcohol & Drug – Same as any illness • Abuse Care - Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental -70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $20,000 AD+D Vision - VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK III Plus Plan B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – LTD 66.67% 120 Calendar Day Modified Fill 4000 Maximum Pre-existing Condition Waiver-Yes Alcohol & Drug Abuse Care - Mental/Nervous Freeze on Offsets-Yes Two-Year Own Occupation Cost of Living Benefits-No Maternity Coverage Delta Dental - 70/70s/70 70% $1500 ($1000 Maximum class I, & II, & III Benefits) Negotiated Life - $25,000 AD+D Vision - VSP III Plus In the case of husband and wife both teaching in the district, one will take Plan A total and one will take Plan B. C. The parties agree to the following insurance enrollment procedures: 1. New employees will be enrolled effective their first day of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefitswork. The Board district agrees to forward the enrollment applications as soon as they have been completed by each new employee and after the employee has worked one (1) day for the district. 2. Beginning with the 1996-97 school year, September 1st shall develop and implement a qualified plan document which complies with Section 125 of be the Internal Revenue Codeeffective date for the district to pick up insurance coverage for new employees. 3. The amount of open enrollment period for the cash payment bargaining unit shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreementmonth of September. 4. The Board and the employee shall be responsible for paying their respective FICA taxes parties will draw a line on the cash payment. Costs relating seniority list which entitles those employees working before August 1996 to receive insurance benefits through the implementation and administration month of benefits under this program shall be borne by September in the year in which they leave the employ of the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible It should be noted that the employee would have to have completed the school year in order to qualify for the twelve (Optional: District prefunded HSA$950/$190012) (Members may elect not months of paid benefits that he/she earned. 5. The parties agree to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643meet to modify these procedures as needed to be able to provide insurance coverage to new employees as soon as they commence their employment with the district. SECTION VI SCHEDULES 7.1 SCHEDULE A - SALARIES - 2003-2004 7.1 SCHEDULE A - SALARIES - 2004-2005 A 7.1 SCHEDULE A - SALARIES - 2004-2005 B 7.1 SCHEDULE A – LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • PreSALARIES - 2005-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – 2006 7.1 SCHEDULE A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%- SALARIES - 2006-2007

INSURANCE PROTECTION. A. The Board shall provide twelveXXXXX-XXX for a full twelve (12) month coverage period for all the bargaining unit members through XXXXX-XXXmember and his/her dependents. The Employer shall sign an Employer participation agreement. Insurance coverage will remain MESSA Choices II for the duration of this agreement. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay twenty percent (20%) of the difference between the hard cap (annually determined by the legislature) and the total cost of the selected insurance premium for the level of coverage provided to the bargaining unit member for payroll deduction through a section 125 premium contribution plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B employer shall receive a cash option in lieu of health benefits. The Board shall develop and implement adopt a qualified plan document which complies with Section 125 section of the Internal Revenue Codeinternal revenue code. The amount of the cash payment shall be PLAN A: For employees needing health insurance MESSA Choices II HEALTH $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes 10 XX/$00 XX/$00 ER $200/$400 Deductible $10/$20 Prescription Rider Long Term Disability 60% $5,000 maximum 90 calendar days - modified fill Freeze on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • offsets Pre-existing condition waiver • Alcoholism/drug same as any other illness Mental/nervous same as any other illness Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 PLAN B: For employees not needing health insurance Long Term Disability 66.7% $5,000 maximum 90 calendar days - modified fill Freeze on offsets • Pre-existing condition waiver Alcoholism/Drug – Same drug same as any other illness • Mental/Nervous – Same nervous same as any other illness NEGOTIATIED LIFE – Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 Bargaining unit members not electing MESSA Plan A will select MESSA Plan B plus receive eighty (80%) percent of the MESSA Choices II single subscriber amount less the employer’s amount for FICA and less twenty percent (20%) of the total cost of the MESSA single subscriber health rate to be applied to a MESSA nontaxable variable option package (Board paid life insurance is not to exceed the IRS regulation total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. $50,000) and/or tax deferred annuity plan of the employee's choice. Teachers working half time will be eligible for half benefits. Health insurance will be provided to high school completion and summer school instructors based upon the following schedule: 1. Instructors authorized to work for a minimum of thirty-five (35) hours per week will receive fully paid health insurance provided other regular teachers. 2. Instructors authorized to work for a minimum of twenty (20) hours each week but less than full time thirty-five (35) hours per week will receive one-half (1/2) of the monthly health insurance premium paid by the Board provided the teacher authorizes payroll deduction for the remainder of the premium cost. 3. Summer school instructors, if eligible, will receive health insurance benefits as provided in 1 and 2 above only during the actual months of employment. The employee will be provided the above listed insurance coverage if he/she is not covered elsewhere by a health care protection plan. B. In the event that an employee, absent because of illness or injury, has exhausted sick leave accrual the above mentioned fringe benefits shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to continue throughout the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%balance of the school year.

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all without cost to the bargaining unit members member the MESSA Choices II PAK (as outlined in Paragraph B below) for a full (12) month period beginning September 1, 2007 through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK AAugust 31, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) 3008 for each fulltime employee and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in preemployee’s eligible dependents. B. Part-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B time employees shall receive a cash option in lieu pro-rata share of health benefitspremiums. The remaining amount shall be deducted from the part-time employee’s wages. Effective September 1, 2008 the plan will convert to a MESSA Choices II $10 Rx Plan. The Board shall develop reimburse the difference for each prescription co-pay for the $10 Rx Plan as follows: Up to 34-Day Supply $ 5.00 Up to 90-Day Supply $15.00 Up to 90-Day Supply $18.00 Effective 2009-10 and implement a qualified plan document which complies with Section 125 2010-11 the Board shall reimburse the difference for each prescription co-pay for the $10/$20 Rx Plan as follows: Up to 34-Day Supply .....................................$ 5.00/$10.00 Up to 90-Day Supply .....................................$15.00/$30.00 Up to 90-Day Supply Mail Order ..................$18.00/$36.00 C. Teachers may select one of the Internal Revenue Codefollowing plans: Plan A: MESSA Choices II LTD 66.67% 120 Calendar Day Modified Fill 4000 Maximum Pre-existing Condition Waiver-Yes Alcohol & Drug Abuse Care - Mental/Nervous Freeze on Offsets-Yes Two-Year Own Occupation Cost of Living Benefits-No Maternity Coverage Delta Dental -70/70s/70 70% $1500 ($1000 Maximum class I, & II, & III Benefits) Negotiated Life - $20,000 AD+D Vision - VSP III Plus Plan B: LTD 66.67% 120 Calendar Day Modified Fill 4000 Maximum Pre-existing Condition Waiver-Yes Alcohol & Drug Abuse Care - Mental/Nervous Freeze on Offsets-Yes Two-Year Own Occupation Cost of Living Benefits-No Maternity Coverage Delta Dental - 70/70s/70 70% $1500 ($1000 Maximum class I, & II, & III Benefits) Negotiated Life - $25,000 AD+D Vision - VSP III Plus In the case of husband and wife both teaching in the district, one will take Plan A and one will take Plan B. D. The parties agree to the following insurance enrollment procedures: 1. New employees will be enrolled effective their first day of work. The amount of district agrees to forward the cash payment enrollment applications as soon as they have been completed by each new employee and after the employee has worked one (1) day for the district. 2. Beginning with the 1996-97 school year, September 1st shall be $4420.00 yearly and may be applied the effective date for the district to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreementpick up insurance coverage for new employees. 3. The Board and open enrollment period for the employee bargaining unit shall be responsible for paying their respective FICA taxes the month of September. 4. The parties will draw a line on the cash payment. Costs relating seniority list which entitles those employees working before August 1996 to receive insurance benefits through the implementation and administration month of benefits under this program shall be borne by September in the year in which they leave the employ of the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible It should be noted that the employee would have to have completed the school year in order to qualify for the twelve (Optional: District prefunded HSA$950/$190012) (Members may elect not months of paid benefits that he/she earned. 5. The parties agree to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same meet to modify these procedures as any illness • Mental/Nervous – Same needed to be able to provide insurance coverage to new employees as any illness NEGOTIATIED LIFE – A total of $ 50,000 soon as they commence their employment with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%district.

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all provide, without cost to the bargaining unit members through XXXXX-XXXmember, MESSA PAK for a full twelve (12) month period for the bargaining unit member and his/her entire family. The employer shall sign an Employer Participation Agreement. Bargaining unit members shall have a choice of participating in not electing the above MESSA PAK A, Plan A will select the MESSA PAK Plan B or PAK C. GEA members will pay the difference between the hard cap (annually determined plus receive $50.00 per month. The $50.00 payment may be applied by the legislature) and bargaining unit member to T.D.A. or toward MESSA non-taxable variable options per the cost conditions of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction this Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA PlanAny contribution amounts exceeding the employer's subsidy shall be payroll deducted. The membership is responsible An open enrollment period shall be provided whenever contribution subsidy amounts change for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigangroups. 1. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 Plan A For Employees Needing Health Insurance – 2008-2009 Health Choices II Long Term Disability 60% $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 3,500 maximum • 90 Calendar Days Modified Day - Straight Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Rx Co-Pay $5.00/$10.00 Delta Dental 80/80/80:$2,000 80:$4,000 Lifetime maximum per eligible person for Delta’s Class III Benefits Negotiated Life $25,000 AD&D Vision VSP- 3 2. Plan B For Employees Not Needing Health Insurance Long Term Disability 60% $3,500 maximum 90 Calendar Day - Straight Wait Alcoholism/Drug Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Delta Dental 80/80/80$2,000 80:$4,000 Lifetime maximum per eligible person for Delta's Class III Benefits. Negotiated Life $25,000 AD&D Vision VSP – Same as any illness NEGOTIATIED LIFE 3 1. Plan A For Employees Needing Health Insurance – A total of $ 50,000 with A D & D VISION 2009-2010 Health Choices II Long Term Disability 60% $3,500 maximum 90 Calendar Day - Straight Wait Alcoholism/Drug Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Rx Co-Pay $10 Rx* Delta Dental 80/80/80:$2,000 80:$4,000 Lifetime maximum per eligible person for Delta’s Class III Benefits Negotiated Life $25,000 AD&D Vision VSP- 3 2. Plan B For Employees Not Needing Health Insurance Long Term Disability 60% $3,500 maximum 90 Calendar Day - Straight Wait Alcoholism/Drug Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Delta Dental 80/80/80$2,000 80:$4,000 Lifetime maximum per eligible person for Delta's Class III Benefits. Negotiated Life $25,000 AD&D Vision VSP – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. 3 *The Board shall develop reimburse the difference for each prescription co-pay for the $10 Rx plan as follows: B. When appropriate, Medicare premiums will be paid on behalf of the teacher, eligible spouse, or dependent until the date of the teacher's retirement. C. In the event that an employee, absent because of illness or injury not connected with the discharge of his duties, has exhausted his sick leave accrual, the insurance coverages provided in the Article shall continue to the benefit of said teacher throughout the balance of the contract year. In the event such illness or injury is contracted or incurred in the discharge of the teacher's duties, the insurance coverages provided in this Article shall continue to the benefit of said teacher for the full duration of such illness or injury. D. The Board shall make payment of insurance premiums for each employee to provide insurance coverage for the full twelve-month period commencing September 1 and implement ending August 31 of each year for all teachers who complete their contractual obligations. If a teacher terminates his or her employment for reasons other than illness or Family Care leave prior to June, said teacher's subsidy shall terminate on the first of the month following. When necessary, premiums on behalf of the teacher shall be paid retroactively or prospectively to ensure uninterrupted participation and coverage, when authorized by the teacher in writing. The Superintendent shall notify the teacher when such authorization is required. Provisions for repayment to the Board when necessary shall be a part of the written authorization. E. In the event any teacher is laid off under the provisions of Article X of the Agreement, the insurance coverages provided in this Article shall continue to the benefit of said teacher for a period of one year from the date of layoff or until said teacher attains a minimum of full-family health insurance coverage from another employer, whichever period of time shall be the lesser. This section is contingent upon approval of coverage by the respective insurance carriers. F. During the term of the Agreement, representatives of the Board and Association will meet to investigate improvements in insurance coverage provided under this article. It is understood that the changes in benefit patterns and/or carriers which may result from such investigations may be made only by mutual agreement and without the necessity of reopening this Agreement for renegotiation. G. The insurance protection provided in this Article shall remain in effect until a successor to this Agreement is ratified and signed. H. The Board shall formally adopt a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same Code as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%mutually agreed.

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all to the bargaining unit members through members, the following XXXXX-XXX: For a full twelve (12) month period for the bargaining unit member and his/her eligible dependents as defined by MESSA. The employer shall sign an employer participation agreement. In addition to XXXXX-XXX the employer will provide to the bargaining unit member, health coverage for sponsored dependents as defined by MESSA, for a full twelve (12) month period. Bargaining unit members not electing XXXXX-XXX Plan A will select XXXXX-XXX Plan B. Any contribution amounts exceeding the Employer‟s subsidy shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costsbe payroll deducted. The amount will An open enrollment period shall be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible provided whenever contribution subsidy amounts change for the cost of groups. B. The District shall switch to MESSA Choices health insurance with the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70current employee contribution 3% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • salary. If the proposed Xxxxxxx Override election fails, the district shall attempt to negotiate with the union a change in health coverage to a health savings account. Health: Choices II (2003 revised) LTD: 60% beginning upon termination of 65 calendar days or exhaustion of employee‟s sick leave, whichever is greater, includes: Mental and nervous conditions (standard MESSA wording) Alcoholism or drug addiction (standard MESSA wording) Rehabilitation clause (50% or rehabilitation) offset Lay-off provision of up to three (3) months Family Social Security offset Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as (standard MESSA wording) Two-year own occupation clause No additional waiting period for recurrent disability or any illness • Mental/Nervous – Same as new disability occurring in the same year, after an employee has returned to active employment Rx: $5.00 Dental: 100/90/90/60: UCR ($1500) Life: 20,000 term life; 90 day modify fill Vision: VSP-3 AD&D: $20,000.00 PAK LTD: 60% beginning upon termination of 65 calendar days of exhaustion of employee‟s sick leave, whichever is greater, including: Mental and nervous conditions (standard MESSA wording) Alcoholism or drug addiction (standard MESSA wording) Rehabilitation clause (50% or rehabilitation) offset Lay-off provision of up to three (3) months Family Social Security offset Pre-existing condition (standard MESSA wording) Two-year own occupation clause No additional waiting period for recurrent disability or any illness NEGOTIATIED LIFE – new disability occurring in the same year, after an employee has returned to active employment Dental: 100/90/90/60: UCR ($1500) Life: 20,000 term life; 90 day modify fill Vision: VSP-3 AD&D: $20,000.00 PAK C. Employees not wishing to have the health insurance may elect at a maximum cost to the Board of $240.00 per month, any of the MESSA and/or MEFSA options. If a husband and wife are both members of this Bargaining Unit, one shall elect Plan A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2and other shall elect options. D. Teachers assigned less than full time but at least one-half time, 000 with Adult Ortho Persons choosing PAK B shall receive Plan B without cost to the Bargaining Unit Member, or Plan A on a pro-rata basis, based on Plan A costs for that member. Teachers assigned less than one-half of a full schedule shall receive the benefits in Plan B, or Plan A on a pro-rata basis based on Plan A costs for that member. E. The Board shall make payment of insurance premiums for all persons who complete their contractual obligation to assure insurance coverage for the full twelve-month period commencing September 1st and ending August 31st, even though the teacher may not be returning to the next school year. The open enrollment period shall be established jointly by the Board, the Association, and insurance company representative, including opportunities for summer pre- enrollment and fall open-enrollment as well as whenever group or individual subsidy amounts increase or decrease, affecting the benefit package. The employee shall contribute 3% of salary for PAK A and Choices II. In the event that a teacher is terminated or resigns during the school year, the insurance shall be continued until the teacher has received the pro-rata portion of the twelve-month insurance year earned at the time of the termination or resignation. F. A teacher who is hired with an effective first work day after the first required work day of the school year shall be entitled to fringe benefits for a duration determined on a pro-rata basis. G. When necessary, premiums on behalf of the teachers shall be made retroactively or prospectively to assure uninterrupted participation and coverage. H. The Board will be responsible for providing insurance information including application, claim materials, and enrollment meetings for the above mentioned programs. I. Payroll deductions shall be available for all MESSA, MEFSA, and MEA programs. 1. The employer shall provide a cash option in lieu of electing the health benefitsbenefit. The Board cash amount shall develop and implement be $240.00. The employer shall formally adopt a qualified plan document which complies with pursuant to Section 125 of the Internal Revenue CodeService code. The amount of the cash payment Members electing an annuity shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into do so through a salary reduction agreement. The Board program will become effective on the date determined by the underwriting guidelines of the plan, but not more than ninety (90) calendar days, following the District having adopted the appropriate resolution and the employee parties have ratified this Master Agreement. Benefits currently being provided to bargaining unit member employees shall be responsible for paying their respective FICA taxes on continue as is until the cash paymentnewly negotiated benefits program is in effect. Costs relating All costs to implement and administer the implementation and administration of benefits under this program Section 125 shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%employer.

INSURANCE PROTECTION. The 21.1 Pursuant to the authority, as set forth in the Michigan School Code Section 380.632, the Board shall agrees to provide twelvea hospitalization insurance fringe benefit. 21.2 Effective November 1, 1989, and upon acceptance of a written application, the Board of Education will provide each full-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice time employee and eligible dependents (five [5] hours or more per day) with 85% of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of health insurance. The protection being either MESSA Choices II PPO with In-Network---No deductible / Out-of-Network---$250/$500 deductible, $10/$20 RX, or its equivalent. For employees working three (3) hours or more but less than five (5) hours per day, the selected Board contribution will be 65% of health insurance plan(including eligible dependents). Employee contributions for health insurance premium shall be made pursuant to an IRS Section 125 Plan. 21.3 Upon acceptance of a written application, the Board will provide all employees who are accumulating seniority and eligible dependents with Delta Dental 50/50/0 ($1,200 per contract year) including C.O.B. or its equivalent. 21.4 For those employees accumulating seniority, the Board will provide, upon written application, VSP2 Silver Vision Plan (80%) or its equivalent subject to the terms of the carrier. 21.5 Upon acceptance of a written application, the Board will provide each employee who is accumulating seniority, MESSA ABC 1or MESSA ABC 2 Term Life Insurance in the amount of medical insurance coststwenty-two thousand five hundred dollars ($22,500) with Accidental Death and Dismemberment coverage (AD&D). The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement acceptance is subject to the terms and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost conditions of the medical health plan that exceeds underwriting requirements of the annually adjusted hard cap allowed by insurance carrier. 21.6 The District will provide for all eligible employees in the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 Paraprofessional Association long term disability insurance with the following specifications: A. Benefit Percentage 60 B. Maximum Monthly Income Benefit $1350/$2700 Deductible (Optional: District prefunded HSA 2,500 C. Maximum Eligible Monthly Salary $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • 4,166 D. Qualifying Period 120 CDSW E. Maternity Coverage YES F. Pre-existing condition waiver • Existing Condition Waiver YES G. Freeze on offsets • Offsets YES H. Alcoholism/Drug – Same as any illness • Waiver YES I. Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Waiver YES J. Cost of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%Living Benefit NO

INSURANCE PROTECTION. A. The Board shall provide twelvepay 88.75% of the premium cost in 2011-12, 85% in 2012-13, and 80% in 2103-14 for full- time teachers, MESSA PAK Plan A or Plan B protection for a full twelve (12) month period for the teacher and his/her eligible dependents as defined by MESSA and its underwriter. $500/$1000 Deductible reimbursed by the Board* $20 OV Long Term Disability: 70% of Max Eligible Salary Maximum Monthly Benefit $5,000.00 Maximum Eligible Monthly Salary $7,143.00 90 Calendar Days Straight Wait Elimination Period Mental/Nervous Two Years Alcoholism/Drug Two Years Family Social Security Offset Life Insurance $20,000.00 Accidental Death & Dismemberment $20,000.00 Vision VSP-2 Class I, II, III Annual Maximum $1,000.00 75% Class IV Lifetime Maximum $1,200.00 Two Cleanings Per Year Long Term Disability: 70% of Max Eligible Salary Maximum Monthly Benefit $5,000.00 Maximum Eligible Monthly Salary $7,143.00 90 Calendar Days Straight Wait Elimination Period Mental/Nervous Two Years Alcoholism/Drug Two Years Family Social Security Offset Life Insurance $30,000.00 Accidental Death & Dismemberment $30,000.00 Vision VSP 3 Class I, II, III Annual Maximum $1,000.00 80% Class IV Lifetime Maximum $1,300.00 Two Cleanings Per Year *Deductible not reimbursed in 2013-14. The parties agree that it is in the best interest of both parties to annually study and/or adjust health insurance benefit levels and options. Any adjustments shall be made with mutual agreement of both parties and shall not constitute an amendment to or an opening up of the Master agreement. B. Teachers not electing health insurance coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members the school shall have a choice apply up to the amount of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between Super Med I Care Rider single subscriber premium toward the hard cap (annually MESSA Fixed Option programs as determined by the legislature) and the cost Association. Any remaining dollars shall be applied on an individual basis to purchase any of the selected MESSA Variable Options. Any amounts exceeding the Board subsidy shall be payroll deducted. If a husband and wife are both members of this bargaining unit, no more than one shall elect health insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costscoverage. The amount will An open enrollment period shall be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible provided whenever premium subsidy amounts change for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed groups. C. The open enrollment period shall be jointly established by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • PreBoard and Association. D. For part-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2time teachers who need health insurance, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The the Board shall develop and implement pay a qualified plan document which complies with Section 125 of the Internal Revenue Code. The pro rata amount of the cash payment shall be $4420.00 yearly and may be applied to a Taxapplicable Choices II premium for health only based on hours worked. (Example: half-Deferred Annuity. To elect time teacher pays half of the annuity, the member shall enter into a salary reduction agreement. The Board premium and the employee shall be responsible for paying their respective FICA taxes on Board pay half of the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900premium.) (Members may elect Part time teachers who do not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time need health insurance shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to Plan B full time 100%paid.

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all provide, without cost to the bargaining unit members through XXXXX-XXXmember, MESSA PAK for a full twelve (12) month period for the bargaining unit member and his/her entire family. The employer shall sign an Employer Participation Agreement. Bargaining unit members shall have a choice of participating in not electing the above MESSA PAK A, Plan A will select the MESSA PAK Plan B or PAK C. GEA members will pay the difference between the hard cap (annually determined plus receive $50.00 per month. The $50.00 payment may be applied by the legislature) and bargaining unit member to T.D.A. or toward MESSA non-taxable variable options per the cost conditions of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction this Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA PlanAny contribution amounts exceeding the employer's subsidy shall be payroll deducted. The membership is responsible An open enrollment period shall be provided whenever contribution subsidy amounts change for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigangroups. 1. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • Plan A For Employees Needing Health Insurance - Effective January 1, 2011 Health MESSA ABC1 Choices II $1350/$2700 Deductible (Optional: District prefunded HSA 100/$200 deductible w/$20 office visit Long Term Disability 60% $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 3,500 maximum • 90 Calendar Days Modified Day - Straight Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Addiction - Two (2) years Mental/Nervous – Same as - Two (2) years Freeze on Offsets Rx Co-Pay Saver Rx Delta Dental 80/80/80:$2,000 80:$4,000 Lifetime maximum per eligible person for Delta’s Class III Benefits Negotiated Life $25,000 AD&D Vision VSP- 3 2. Plan B For Employees Not Needing Health Insurance Long Term Disability 60% $3,500 maximum 90 Calendar Day - Straight Wait Alcoholism/Drug Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Delta Dental 80/80/80$2,000 80:$4,000 Lifetime maximum per eligible person for Delta's Class III Benefits. Negotiated Life $25,000 AD&D Vision VSP- 3 3. Effective July 1, 2011 Board monthly premium contribution will be limited to: Single Subscriber $ 747.39 2-Person $1,501.09 Family $1,651.84 Effective July 1, 2012, the Board of Education shall pay any increase in premiums for health care coverage through August 31, 2012. Any premium contribution by the Alcona EA members then in effect, shall remain in effect. In the event no successor agreement is reached by August 31, 2012 the board’s maximum premium contributions will revert to those levels indicated above. B. When appropriate, Medicare premiums will be paid on behalf of the teacher, eligible spouse, or dependent until the date of the teacher's retirement. However, the District shall not be required to pay for both contractual health care and Medicare. C. In the event that an employee, absent because of illness NEGOTIATIED LIFE – A total or injury not connected with the discharge of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total his duties, has exhausted his sick leave accrual, the insurance coverages provided in the Article shall continue to the benefit of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2said teacher throughout the balance of the contract year. In the event such illness or injury is contracted or incurred in the discharge of the teacher's duties, 000 with Adult Ortho Persons choosing PAK B the insurance coverages provided in this Article shall receive a cash option in lieu continue to the benefit of health benefits. said teacher for the full duration of such illness or injury. D. The Board shall develop make payment of insurance premiums for each employee to provide insurance coverage for the full twelve-month period commencing September 1 and implement ending August 31 of each year for all teachers who complete their contractual obligations. If a teacher terminates his or her employment for reasons other than illness or Family Care leave prior to June, said teacher's subsidy shall terminate on the first of the month following. When necessary, premiums on behalf of the teacher shall be paid retroactively or prospectively to ensure uninterrupted participation and coverage, when authorized by the teacher in writing. The Superintendent shall notify the teacher when such authorization is required. Provisions for repayment to the Board when necessary shall be a part of the written authorization. E. During the term of the Agreement, representatives of the Board and Association will meet to investigate improvements in insurance coverage provided under this article. It is understood that the changes in benefit patterns and/or carriers which may result from such investigations may be made only by mutual agreement and without the necessity of reopening this Agreement for renegotiation. F. The insurance protection provided in this Article shall remain in effect until a successor to this Agreement is ratified and signed. G. The Board shall formally adopt a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same Code as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%mutually agreed.

INSURANCE PROTECTION. The For the duration of this agreement, the Board shall provide twelve-month coverage the following MESSA PAK program, funded as described by PA 152, with the aggregate maximum allowable contributions as per the cap option amount based on employee plan census. Increases in the maximum allowable contribution, based on cap adjustment to reflect changes in the medical care component of the Consumer Price Index, will be contributed equally to employee Health Savings Accounts for all bargaining unit members through XXXXX-XXXthose that meet the following two (2) factors: 1. Bargaining unit members shall have a choice of participating Enrolled in PAK AA as of December, 31 And 2. Employed during the current contract year The amount remaining, if any, will be equally dispersed to respective employee Health Savings Accounts with the first payroll in September. Decreases in cap amounts and MESSA rate increases will be expenses to employees. New max allowable insurance caps will be effective January 1, 2022 through August 31, 2025. PAK B or PAK C. GEA members will pay the difference between the hard cap A (annually determined by the legislaturefor employees electing health insurance) and the cost of the selected insurance plan, Health MESSA ABC 1or MESSA Plan 1 $1350/2700 deductible ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an Rx HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard Funded per member (pending any cap allowed increases) Derived by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • aggregate census Long Term Disability 70% of salary • $6,000 3000 maximum • 90 Calendar Days Modified Wait • calendar days – modified fill Pre-existing condition waiver • Freeze on offsets • AlcoholismMaternity coverage Alcohol/Drug – Same same as any other illness • Mental/Nervous – Same same as any other illness NEGOTIATIED LIFE – A total of $ Freeze on offsets Negotiated Life $50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80AD&D Vision VSP-3 Dental 100:90/90/90: $ 2,000 $1500 with Adult Ortho Class I & II maximums at $1000 PAK B: LONG TERM DISABILITY – B (for employees not electing health insurance) Long Term Disability same as above NEGOTAITED LIFE – A total of $ Negotiated Life $50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/AD&D Vision VSP-3 Dental 100:90/90/90: $ 2, 000 $1500 with Adult Ortho Persons choosing Class I & II maximums at $1000 PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 C (High Deductible (Optional: District prefunded HSA$950/$1900Plan) (Members may elect not to accept prefunded HSA) • Health MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • Plan 3 $3500/7000 deductible ABC Rx Long Term Disability 70% of salary • $6,000 3000 maximum • 90 Calendar Days Modified Wait • calendar days – modified fill Pre-existing condition waiver • Freeze on offsets • AlcoholismMaternity coverage Alcohol/Drug – Same same as any other illness • Mental/Nervous – Same same as any other illness NEGOTIATIED LIFE – A total of $ Freeze on offsets Negotiated Life $50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80AD&D Vision VSP-3 Dental 100:90/90/90: $ 2,000 $1500 with Adult Ortho A. Teachers working less than full time shall receive Ortho Class I & II maximums at $1000 The Board agrees to establish a prorated qualified Section 125 Cafeteria Plan and, upon application by employees not taking health insurance, agrees to pay $5000 per year in lieu of health insurance. Said amount toward may be used to purchase any of the MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%variable options and/or annuities, or may be taken as cash.

INSURANCE PROTECTION. A. The Board shall agrees to purchase MESSA Health Care Protection (as outlined in Paragraph B below) for each teacher. Payments will provide twelve-month for coverage beginning September 1 and ending August 31. Payment will be made in such a way as to assure uninterrupted participation and coverage for all bargaining unit members through XXXXXfull twelve (12) month periods. Part-XXXtime certified employees shall receive paid insurance if employed on a half-time basis or more. Bargaining unit members Those who teach less than half time will not be eligible for paid insurance. B. Teachers may select one of the following plans: Health MESSA Choices II Long Term Disability 60% The health plan specifications shall have a choice not include coverage for abortion service which the Board is prohibited from funding under Section 166d of participating in PAK A, PAK the 1997-98 State School Aid Act or its successor provision. Plan I 90 calendar days modified fill $2,500 maximum per month Social Security Freeze Alcohol/drug and mental/nervous - 2 years Delta Dental Plan 100x: 80/80/80: 80% UCR Lifetime Orthodontics Negotiated Life $20,000 with AD&D Vision VSP - 2 Delta Dental Plan 100x: 80/80/80: 80% UCR Lifetime Orthodontics Vision VSP – 2 Negotiated Life $20,000 with AD&D Long Term Disability 60% (Same as above) Long Term Disability 60% Negotiated Life $20,000 with AD&D (Same as above) C. Employees not electing health insurance coverage under Plan A shall apply for coverage under Plan B or PAK Plan C. GEA members In the case of a husband and wife both teaching in the district, one will take Plan A and one will take Plan B or Plan C. The Board of Education will pay for Plan B or Plan C and $1,000 per year to a tax-deferred annuity plan. Any amount which exceeds the difference between the hard cap (annually determined Board's agreed upon payment plan elected by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will employee shall be withheld over 21 or 26 pays in payroll deducted through premium conversion using pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreementdollars. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible An open enrollment period shall be provided whenever contribution subsidy amounts change for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed group. XXXXX'x "option all" will be adopted by the Board to protect the package of benefits from state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. federal taxation. D. The Board and the employee Association agree that the deductible amount for Plan A for the life of this agreement shall be responsible for paying their respective FICA taxes on $100.00 per individual and $200.00 per family and is the cash paymentresponsibility of the bargaining unit member. Costs relating to The prescription co-pay of $5.00 per prescription is the implementation and administration responsibility of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%bargaining unit members.

INSURANCE PROTECTION. A. The Board shall of Education agrees to provide twelve-month coverage for all bargaining unit members through full family health care and insurance benefits in the form of an XXXXX-XXXXXX program described below. Bargaining unit members The provisions of the group policies and rules and regulations of the carrier will govern as to commencement and duration of benefits, nature and amount of benefits and all other aspects of coverage. The Board's sole responsibility shall have be for the payment of the premium. Option A for current employees requiring health insurance: 1. MESSA-CHOICES (includes $5,000 life insurance with AD&D) with Long Term Disability: 66 2/3% of yearly salary distributed on a choice monthly basis $3500 maximum benefit per month 120 calendar days - modified fill Maternity coverage Pre-existing conditions waiver - yes Freeze on offsets - yes Alcohol/Drugs - 2 years Mental/Nervous - 2 years Super Care 1 with a $5/10 drug card (includes $5,000 with AD & D) with Long Term Disability: 66 2/3% of participating in PAK A, PAK B or PAK C. GEA members will yearly salary distributed on a monthly basis $3500 maximum benefit per month 120 calendar days - modified fill Maternity coverage Pre-existing conditions waiver - yes Freeze on offsets - yes Alcohol/Drugs - 2 years Mental/Nervous - 2 years Each member selecting Super Care 1 shall pay the difference between the hard cap (annually determined $25.00 per month by the legislature) and payroll deduction toward the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costssuch coverage. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement $25.00 payroll deduction shall commence on October 1, 2005, and Pre- Tax Compensation Reduction Agreementshall continue so long as the member continues the Super Care 1 coverage. 2. Under IRS rulesDelta Dental Plan: Class I Diagnostic 100% Class II Basic Services 90% Class III Prosthodontics 90% $1000 Class I, an individual canII and III Annual Maximum per person Class IV Orthodontics 90% $1500 Class IV Lifetime Maximum per person 3. Life Insurance $45,000 AD&D 4. VSP-2 Vision Insurance Option B for employees not possess a flexible spending account with an HSA Planneeding health insurance: 1. The membership A teacher who by written proof is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members covered under another group contract may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option stipend in lieu of the health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 insurance option at the following rates: Date of the Internal Revenue Code. The amount hire Equivalent to single-subscriber MESSA insurance policy Prior to 9/1/1990 Super Med II Between 9/1/90 – 8/26/93 Super Care II Between 8/26/93 – 6/30/05 Super Care I After 6/30/2008 Choices For new hires on or after June 30, 2008, cash stipends in lieu of the cash payment insurance shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuityfrozen at the June 30, 2008. To elect the annuity, the member shall enter into a salary reduction agreementChoices single subscriber rate. 2. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Long Term Disability - Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80above, 66 2/3% 3. Delta Dental Plan: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC Class I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25Diagnostic 100% ½ to less than ¾ time 50Class II Basic Services 90% ¾ to full time 100%Class III Prosthodontics 90% $1000 Class I, II and III Annual Maximum per person Class IV Orthodontics 90% $1500 Class IV Lifetime Maximum per person

INSURANCE PROTECTION. A. The Board shall agrees to provide twelveeach teacher whose assignment is for one-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have half (1/2) or more of a full assignment with his/her choice of participating either Plan A or Plan B insurance protection plans as provided below. Changes in PAK Abenefit patterns and carriers are to be decided jointly by representatives of the Board and the Association. 1. Plan A - For those electing Health Insurance a. Full Family MESSA Choices II:  $500/$1,000 in-network deductible (effective 9/1/2011)  Saver Rx prescription drug plan effective 9/1/2011  $20/$25/$50 co-pays for office visit, PAK B or PAK C. GEA urgent care and emergency room effective 9/1/2011  Adult immunization coverage During the 2014-15 school year members will pay be offered the option of MESSA ABC1 plan provided the premium is less than MESSA Choices II. If the District’s contribution for MESSA Choice II Plan is greater than the premium for MESSA ABC 1 the district will deposit the difference between into the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, member’s HSA account. If MESSA ABC 1or plan option is chosen the benefits are defined below. OR MESSA ABC 2 of medical insurance costs1 $1300/$2600 in network deductible (effective 1/1/15) ABC Rx $0/0/0 co-pays for office visit, urgent care and emergency room Adult Immunization Coverage x. XXXXX Negotiated Long-term Disability (90 calendar day modified fill waiting period. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules66 2/3% with $4,000 monthly maximum.) c. $40,000 MESSA Negotiated Group Term Life Insurance x. XXXXX/Delta Dental (Class I, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 II, & III 80/80/80 $1350/$2700 Deductible (Optional: District prefunded HSA $950/19002,500 annual maximum) (Members may elect Class IV Orthodontics, 80: $1,800 lifetime maximum) x. XXXXX (VSP 2 Silver) 2. Plan B-For those not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • electing health insurance a. $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 250 per month cash; provided, 000 with Adult Ortho Persons choosing PAK however, if more than forty (40) employees select Plan B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of during an October open enrollment period, the cash payment amount shall be $4420.00 yearly and may be applied to a Tax100 for that Plan year; if more than forty-Deferred Annuity. To elect the annuityfive (45) employees select Plan B, the member shall enter into a salary reduction agreement. The Board and the employee cash amount that that Plan shall be responsible for paying their respective FICA taxes on $150 per month; if more than fifty (50) employees select Plan B, the cash payment. Costs relating to the implementation and administration of benefits under this program amount for that Plan year shall be borne by $200 per month; and more than fifty-five (55) employees select Plan B, the Board. PAK C: HEALTH: • MESSA ABC2 cash amount for that Plan year shall be $2000/$4000 Deductible 250 per month. x. XXXXX-Negotiated Long-term Disability (Optional: District prefunded HSA$950/$1900same as listed above) x. XXXXX/Delta Dental Plan Auto +/08 (Class III 100/90/90 $1,500 annual maximum) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • Orthodontics 90%- $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%900 lifetime maximum)

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee Association shall be responsible for paying their respective FICA taxes administering its health insurance program for the duration of this agreement. For each year of the agreement, the Board shall contribute the maximum amount per insured member per month as allowed by PA 152, including annual increases. The District shall allocate the above amount for each employee participating in the health insurance program. This amount will be put in an insurance pool to be administered by the Association. The Association shall be responsible for selecting the health insurance program and determining the amount of the employee co-pay on a year-to-year basis. The District’s contribution covers health, life, LTD, vision and dental; the cash paymentemployee contribution will cover the remainder owed for the insurance programs selected. Costs relating It is understood the number of participating employees will vary from year to year as determined on September 1 of each year; this will affect the implementation total amount of insurance money to be allocated by the District. The District’s Chief Financial Officer and administration of benefits under this the Association Chief Negotiator will meet if there should be a change in subscriber status or hire within the school year to determine the appropriate allocation. Any additional cost above the Board’s contribution will be reconciled prior to June 1. Effective September 1, 2014 the health insurance program shall be borne by MESSA ABC Plan 1 with HSA. Employees shall be responsible for the difference in premium after the Board’s contribution. PAK C: HEALTH: • Employees may use the employer-sponsored Section 125 salary reduction agreement for making their insurance contribution. The employee may select either the MESSA ABC2 $2000/$4000 Deductible Plan A or Plan B benefit programs. MESSA Plan B shall remain fully paid. The Association will notify the Board of any changes to the health plan medical benefit thirty (Optional: District prefunded HSA$950/$190030) (Members may elect not days prior to accept prefunded HSA) • the end of the plan year. Health MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70Plan 1 with HSA $1300/$2600 deductible with ABC Rx Long-Term Disability - 66 2/3% of salary • - $6,000 maximum • 3,500 Maximum - 90 Calendar Days - Modified Wait • Fill - Pre-existing condition waiver • Existing Condition Waiver - Freeze on offsets • Offsets - Alcoholism/Drug – Same - same as any illness • other - Mental/Nervous – - same as any other - Cost of Living Benefit Negotiated Life - $10,000 with AD&D Vision - VSP-1 Dental - 75/50/75: $1,200 Long-Term Disability - Same as any illness NEGOTIATIED LIFE – Plan A total Negotiated Life - $20,000 with AD&D Vision - VSP-3 Dental - 100:90/90/90: $1,500 Cash-in-lieu shall be $500 per month. B. Part-time bargaining unit members may participate in either Plan A or Plan B, provided said part-time employee first executes a payroll deduction for the employee's pro rata contribution towards the cost of $ 50,000 either Plan A or Plan B. The Board shall make premium contributions for part-time teachers pro-rated on the basis of the number of workdays and hours for a full-time, regularly employed teacher. Benefits for part-time teachers in job-sharing arrangements are addressed separately in Article 18 of this Agreement. C. The Board will not contribute toward the cost of a medical insurance (health, dental, vision, LTD, life) for a teacher on unpaid leave of absence, unless otherwise required by the Family and Medical Leave Act of 1993. D. The Board will continue to pay insurance premium contributions through June 30 of the year in which a teacher retires for those teachers completing the school year. For those teachers retiring other than at the end of the school year, the Board shall contribute premiums for coverage to and including the last date of the calendar month in which the teacher's separation becomes effective. E. Except as otherwise provided above, the Board will continue to pay insurance premium contributions through August for teachers laid off or otherwise leaving the system at the close of the school year. F. The Board will continue to pay insurance premium contributions through June for teachers who enter the system after the beginning of the second semester and remain for the balance of the school year. G. The Board will not continue to contribute toward the cost of insurance for a teacher whose employment terminates before the close of the school year. H. Newly hired employees shall be enrolled for coverage within thirty (30) days of commencing work, provided the insurance carriers, policyholders and plan administrators so allow. I. Dual coverage (i.e. internal coordination of benefits) for both a husband and wife (as well as dependent children) shall not be permitted where both spouses are employed by the Xxxxx Rapids Public Schools and are otherwise eligible for coverage. In that event, one spouse shall be designated as a dependent for insurance coverage purposes. That person shall instead be enrolled in Plan B, above. This limitation shall also apply in situations where the employees are ex-spouses with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 regard to coverage for their dependent children. J. If a teacher fails to return from a leave taken under the FMLA (except in the event of the continuance, onset or recurrence of a serious health condition of the teacher or other circumstances beyond the teacher's control), the Board shall have the right to recover all insurance premium contributions made by it during the unpaid leave interval with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according the exception of those premium payments attributable to the following: Less than ¼ time none ¼ use or substitution of paid leave. These amounts may permissibly be deducted from any wage or other payments due the teacher, with any deficiency to less than ½ time 25% ½ be remitted by the teacher to less than ¾ time 50% ¾ to full time 100%the Board within five (5) days of demand.

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all provide, without cost to the bargaining unit members through XXXXX-XXXmember, MESSA PAK for a full twelve (12) month period for the bargaining unit member and his/her entire family. The employer shall sign an Employer Participation Agreement. Bargaining unit members shall have a choice of participating in not electing the above MESSA PAK A, Plan A will select the MESSA PAK Plan B or PAK C. GEA members will pay the difference between the hard cap (annually determined plus receive $50.00 per month. The $50.00 payment may be applied by the legislature) and bargaining unit member to T.D.A. or toward MESSA non-taxable variable options per the cost conditions of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction this Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA PlanAny contribution amounts exceeding the employer's subsidy shall be payroll deducted. The membership is responsible An open enrollment period shall be provided whenever contribution subsidy amounts change for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigangroups. 1. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 Plan A For Employees Needing Health Insurance – 2008-2009 Health Choices II Long Term Disability 60% $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 3,500 maximum • 90 Calendar Days Modified Day - Straight Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Rx Co-Pay $5.00/$10.00 Delta Dental 80/80/80:$2,000 80:$4,000 Lifetime maximum per eligible person for Delta's Class III Benefits Negotiated Life $25,000 AD&D Vision VSP- 3 2. Plan B For Employees Not Needing Health Insurance Long Term Disability 60% $3,500 maximum 90 Calendar Day - Straight Wait Alcoholism/Drug Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Delta Dental 80/80/80$2,000 80:$4,000 Lifetime maximum per eligible person for Delta's Class III Benefits. Negotiated Life $25,000 AD&D Vision VSP — 3 1. Plan A For Employees Needing Health Insurance – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – 2009-2010 Health Choices II Long Term Disability 60% $3,500 maximum 90 Calendar Day - Straight Wait Alcoholism/Drug Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Rx Co-Pay $10 Rx* Delta Dental 80/80/80:$2,000 80:$4,000 Lifetime maximum per eligible person for Delta's Class III Benefits Negotiated Life $25,000 AD&D Vision VSP- 3 2. Plan B For Employees Not Needing Health Insurance Long Term Disability 60% $3,500 maximum 90 Calendar Day - Straight Wait Alcoholism/Drug Addiction - Two (2) years Mental/Nervous - Two (2) years Freeze on Offsets Delta Dental 80/80/80$2,000 80:$4,000 Lifetime maximum per eligible person for Delta's Class III Benefits. Negotiated Life $25,000 AD&D Vision VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. — 3 *The Board shall develop reimburse the difference for each prescription co-pay for the $10 Rx plan as follows: Up to 34-day supply $5.00 90-day supply $15.00 90-day supply mail order $18.00 B. When appropriate, Medicare premiums will be paid on behalf of the teacher, eligible spouse, or dependent until the date of the teacher's retirement. C. In the event that an employee, absent because of illness or injury not connected with the discharge of his duties, has exhausted his sick leave accrual, the insurance coverages provided in the Article shall continue to the benefit of said teacher throughout the balance of the contract year. In the event such illness or injury is contracted or incurred in the discharge of the teacher's duties, the insurance coverages provided in this Article shall continue to the benefit of said teacher for the full duration of such illness or injury. D. The Board shall make payment of insurance premiums for each employee to provide insurance coverage for the full twelve-month period commencing September 1 and implement ending August 31 of each year for all teachers who complete their contractual obligations. If a teacher terminates his or her employment for reasons other than illness or Family Care leave prior to June, said teacher's subsidy shall terminate on the first of the month following. When necessary, premiums on behalf of the teacher shall be paid retroactively or prospectively to ensure uninterrupted participation and coverage, when authorized by the teacher in writing. The Superintendent shall notify the teacher when such authorization is required. Provisions for repayment to the Board when necessary shall be a part of the written authorization. E. In the event any teacher is laid off under the provisions of Article X of the Agreement, the insurance coverages provided in this Article shall continue to the benefit of said teacher for a period of one year from the date of layoff or until said teacher attains a minimum of full-family health insurance coverage from another employer, whichever period of time shall be the lesser. This section is contingent upon approval of coverage by the respective insurance carriers. F. During the term of the Agreement, representatives of the Board and Association will meet to investigate improvements in insurance coverage provided under this article. It is understood that the changes in benefit patterns and/or carriers which may result from such investigations may be made only by mutual agreement and without the necessity of reopening this Agreement for renegotiation. G. The insurance protection provided in this Article shall remain in effect until a successor to this Agreement is ratified and signed. H. The Board shall formally adopt a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same Code as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time 25% ½ to less than ¾ time 50% ¾ to full time 100%mutually agreed.

INSURANCE PROTECTION. A. The Board will provide, without cost to the bargaining unit member, bodily injury and property damage insurance limited to a maximum of one million dollars ($1,000,000.00). B. Upon proper application and acceptance for enrollment by the appropriate insurance underwriter, the Board shall make premium payments on behalf of full-time bargaining unit members and their eligible dependents under either Plan A or Plan B as specified below for the duration of this Agreement. The Board shall provide twelvewithout cost to the bargaining unit member the following for a 12 month period: BC/BS PPO Plan 15 hospitalization plan $5,000 single/$10,000 two party and full family annual in-network deductibles funded by Employer $10,000 single/$20,000 two party and full family annual out of network deductible paid by the Employer after employee pays the first $250 single/$500 two party and family; Only in-network co-insurance paid by employer after the deductable up to the plans stop loss; $15/50/50 W/MOPD2X employee co-payment in-network prescription plan; $30 office visit employee co-payment; $100 emergency room employee co-payment. The Board’s maximum monthly contribution toward the illustrative rate for the hospitalization plan is as follows: Full family $957.53 Two party $816.50 Single $359.53 Long term disability 66 2/3%; $2500 monthly maximum; 90 calendar days modified fill with COLA; mental/nervous/alcohol/drug same as illness; 5% minimum payout pre-existing conditions waived $15,000 term life insurance with AD & D Dental Classes I, II and III at 80% with $1000 annual maximum; Class IV at 80% with $1300 lifetime max (self funded) vision Any amounts owed by the bargaining unit member shall be payroll deducted as a condition of this Agreement under a qualified Section 125 plan. LTD: Same as Plan A above $30,000 term life insurance with AD & D Dental Classes I, II and III at 80% with $1000 annual maximum; Class IV at 80% with $1300 lifetime max (self funded) Vision Dependent term life insurance $2000 spouse/$2000 child A bargaining unit member on Plan B shall be provided $200 per month coverage under a qualified Section 125 plan. C. Payments for all part-time bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. prorated. D. The membership bargaining unit member is responsible for assuring completion of all forms and documents required for participation in the cost above-described insurance programs. The district, by payment of its share of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2insurance premium payments indicated above, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly relieved from any and may be applied all liability with respect to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. insurance benefits. E. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration school nurse(s) will receive payment of benefits under this program shall be borne by the Board. PAK Cpremiums at: HEALTH: • MESSA ABC2 $2000/$4000 Deductible 100% when scheduled to work more than six (Optional: District prefunded HSA$950/$19006) hours daily, 75% when scheduled to work six (Members may elect not 6) or fewer but more than four (4) hours daily, 50% when scheduled to accept prefunded HSAwork four (4) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho A. Teachers working less or fewer but more than full time shall receive a prorated amount toward MESSA ABC I OR MESSA ABC 2 Insurance according to the following: Less than ¼ time none ¼ to less than ½ time two (2) hours daily and 25% ½ when scheduled to less than ¾ time 50% ¾ to full time 100%work two (2) or fewer hours daily.