Common use of INSURANCE PROTECTION Clause in Contracts

INSURANCE PROTECTION. a. The Board will offer employees the choice of three different health insurance plans or the equivalent, all of which shall include major medical, prescription, and dental coverage. b. The Board will pay the premium for all health and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 plan. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. The A. During the life of this Agreement, the Board will offer employees the choice of three different shall provide health insurance plans coverage for current eligible cafeteria employees (shown in Appendix A) and their dependents when applicable subject to the restrictions listed herein: 1. Current employees who regularly work twenty (20) hours or more per week shall be entitled to coverage only if they do not have such coverage available to them elsewhere. (Appendix A attached hereto specifies specific employees and their indicated coverages.) If a current employee not working twenty (20) hours per week is scheduled for twenty (20) hours or more per week on a regular basis they shall have full eligibility rights. If a currently eligible employee loses coverage they have elsewhere through no fault of their own, they shall be entitled to replace that coverage in the equivalent, all of which shall include major medical, prescription, and dental coveragesame manner as other current employees. b. The Board will pay 2. Employees hired after September 1, 1993, shall be entitled to health insurance coverage only if they are full time employees working at least 7 1/2 hours per day. Their entitlement shall be for single coverage only, however, they may choose to cover eligible dependents, provided they reimburse the premium board for all health the cost differential between single coverage and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effectwhatever dependent coverage they select. c. Only employees whose regular assignment is sixty (60%) percent 3. The spouse of a fulltime employee's workweek will receive the full benefits district employee who is otherwise eligible for any medical and/or prescription insurance coverage under this Article shall not be provided said coverage as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance long as his/her spouse is covered under a family plan until age 65 with all premiums for this coverage being borne provided by the employee. e. Employees on leave without pay or who retires shall have district. During the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days year prior to a change of insurance carrier and allow employees retirement, the spouse may enroll in single coverage if necessary to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan meet eligibility for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 retirement health plan. h. 4. Employees who receive such must notify the District Office of any change in dependent status within thirty (30) days of the change occurring or they must reimburse the district the difference in rates for all time they should have been in a waiver incentive are subject lower cost category. 5. If the Board desires to normal Federal and change its’ insurance provider, the Association agrees that it will accept the benefit levels of the State withholding on such paymentHealth Benefits Program in effect at the time of change as meeting the test of equivalent benefit levels. If the Board wishes to switch to a provider other than the State Health Benefits Program, benefit levels must be equal to or greater than those enjoyed at the time of change.

INSURANCE PROTECTION. a. Provisions under this article shall only apply to unit members who are issued a contract by the Board for the full school contract year of at least twenty (20) hours per week. Section A The Board will offer employees shall provide single health care insurance protection as below designed. The Board shall pay the choice premium for each individual unit member who remains in the employ of three different the Board for the full school year. The Board shall make payment of insurance premiums to provide insurance coverage for the full twelve (12) month period commencing July 1 and ending June 30. Section B The Board shall provide for each unit member a description of the health care insurance plans or the equivalent, all of coverage which shall include major medicalthe conditions and limits of coverage as listed below: 1. Aetna Health, prescriptionInc. Quality Point-Of-Service Program New Jersey Patriot X / QPOS Custom Plan 2. Aetna Health, Inc. Quality Point-Of-Service Program New Jersey Patriot V / QPOS Custom Plan 3. Citizen / HMO Flex 4. Any health care coverage plan selected by the Board as long as such plan is at least equal to or better than the coverages provided by the above described plans, including the administration of said plans. The Board shall give reasonable advance notice to the Association prior to implementation. Section C In addition to the single health care insurance protection described above, the Board will pay one hundred percent (100% ) of the dependent insurance. Section D There will be a full Family Prescription Plan at Board expense for the premium and with the following unit member co-pays: $15 (brand), $10 (generic), $5 (mail) for the duration of this contract. The cost of the premium for this will be borne solely by the Board. Section E Retired unit members may elect to continue prescription and dental coverage at group rates - an annual surcharge of one hundred and ten percent (110%). Premiums will be paid to the Board by check three (3) months in advance. Any payments not received within fifteen (15) calendar days of the due date shall be assessed an administrative penalty of fifty dollars ($50). Failure to pay the penalty shall result in cancellation of coverage. b. Section F The Board of Education agrees that the secretaries of this unit may remain as group members of the Blue Cross and Blue Shield Insurance Plan upon retirement, with the provision that the current carrier agrees to this. Further, it is understood that the premium will be paid to the Board by the retiree. Section G The Board will pay the full premium for all health single and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents double coverages of employees will be insured in accordance with the terms of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive any dental plan for the health/hospitalizationduration of this contract, not including co-pay requirements for the unit member, up to a maximum of one thousand two hundred fifty dollars ($1,250). Any dental coverage premium in excess of double coverage or the maximum amount will be assumed by the unit member through payroll deduction. Section H A unit member, eligible for medical, prescription and dental insurances provided coverage, may elect to not enroll for such coverage and may participate in this Agreementan in lieu payment program. An incentive paymentThe in lieu payment shall be equal to forty percent (40 % ) of the base premium. Base premium shall be determined at the coverage level in which the unit member was enrolled immediately prior to the election to participate in the in lieu payment program or to the lesser coverage if a change was made in the year prior to the participation year. Any unit member not enrolled immediately prior to the election to participate in the in lieu payment program shall be permitted to participate at the coverage level they would have been eligible to select if directly enrolling in the program. Unit members who elect to participate in the in lieu payment program may re-enroll for medical, not prescription and/or dental coverage during open enrollment periods. If a unit member wishes to exceed $5000re-enroll in a prescription or dental plan prior to an open enrollment period due to a demonstrated loss of alternate coverage, will the unit member shall pay a re-enrollment charge equal to one hundred and ten percent (110 % ) of any pro-rated payment made under the in lieu payment program for the participation year. In lieu payments shall be issued in the first pay period of September. If a unit member participating in the in lieu payment program dies between July 1 and October 30 of the participation year, a pro-rated payment based on the time worked during the participation year shall be made to the employee in the amount of 25% estate of the relevant premium, minus employee contribution, that unit member. If a unit member dies during the Board would have been required to pay if participation year after in lieu payment is made a payroll withholding shall be made for the employee had pro-rated amount paid but not waived coverageworked during the participation year. The waiver period Board shall be July 1 through June 30. The payment will be made in two installments per yearadopt, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive oneby resolution, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a A Section 125 planplan as provided by the United States Internal Revenue Code of 1986, as amended, which shall conform to all relevant United States and New Jersey regulations. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. 7:1 The Board of Education agrees that it will offer employees provide health-care coverage that existed as of July 1, 1996. The eligible employee may choose either the choice of three different health insurance plans individual, parent and child, husband and wife, or the equivalentfamily plan. Effective July 1, 1998, all new hires shall receive single only Patriot V or its equivalent medical insurance and single only prescription coverage until the acquisition of tenure pursuant to N.J.S.A. 18A: 17-2 or any successor statute thereto. Upon the acquisition of tenure by an employee, such employee shall be eligible for all levels of health care coverage. New hires will be permitted to purchase dependent coverage at their own cost. New hires shall also not include employees returning to work full-time from an approved leave of absence which leave of absence commenced when they were permanent employees of the Board; upon their return to employment such employees shall include major medicalreceive the same health care coverage that they had before they began their approved leave. 7:2 The Board shall provide for continuances of healthcare insurance after retirement on the terms detailed in the master policies and contracts agreed upon by the Board and the Association. The retirees shall be responsible for all premium costs involved. 7:3 The Board shall give written notification at the time of hiring all employees new to the district that the responsibility for insurance coverage during the interim period rests with the employee. 7:4 All new employees and other employees requesting same shall be given a description of the health-care insurance coverage provided under this Article contingent upon the availability of such documents from the carrier. 7:5 The Board agrees to provide at no cost to the secretary, prescriptionchest-x-rays required of the secretary to maintain his/her employment, provided said secretary avails him/herself of the program provided by the Board. 7:6 Effective July 1, 2004, the Board of Education shall provide full coverage for a prescription plan with a $10.00 co-pay provision for name brand drugs and a $5.00 co-pay provision for generic drugs for retail; and a $10.00 co-pay for mail order brand name drugs, and dental coveragea $5.00 co-pay for mail order generic drugs in accordance with the provisions of the policy. The employee may choose either the individual, parent and child or family plan, except for new hires. b. 7:7 The Board will of Education shall pay the premium for all health and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms 100% of the insurance policy in effectemployee plus eligible dependents cost for a dental program. c. Only 7:8 The Board of Education shall pay one-half (1/2) of the cost of the premium of Prudential Class 2: 330 benefit ($330 per month). The employee may select additional Plans at no expense to the Board of Education with authorized payroll deductions to cover the increased premium. If the Board of Education makes a determination to change the carrier from Prudential, the Board shall give the Association notification in writing of such a change at least 30 days before the effective date of the change. Any change in carrier shall not diminish but shall maintain the level of benefits defined by the “Prudential Class 2: 330 benefit”. 7:9 Effective July 1, 2001, employees whose regular assignment is sixty retiring prospectively only with twenty-five (60%25) percent years of a fulltime employee's workweek service in PERS, ten (10) years of which are in the Xxxxxxxx Township School District, will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne annually by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon July 30th a cash payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of equal to the relevant premium, minus employee contribution, annual maximum in prescription drug co-payments per person as provided by the State Health Benefits Program. In the event that the State Health Benefits Plan New Prescription Program is eliminated, the Board would shall have been required no obligation to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in Juneprovide a Board paid prescription plan for retirees. b. 7:10 Effective July 1, 2001, if any employee waives health insurance, said employee shall receive a cash payment of $1,000.00. If any employee waives prescription insurance, said employee shall receive a cash payment of $250.00. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no that choose the cash option must reapply each year. Proof of other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or be submitted with each request for the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rulescash option. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance yearIn addition, the employee may re-enroll immediately Board shall put in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain place a Section 125 plan. h. Employees who receive such a waiver incentive plan (details included in the Section 125 Addendum). All waivers are subject to normal Federal and State withholding on such paymentthe provisions of this Addendum.

INSURANCE PROTECTION. a. The A. During the life of this Agreement, the Board will offer employees the choice of three different shall provide health insurance coverage for current eligible cafeteria employees (shown in Appendix A) and their dependents when applicable subject to the restrictions listed herein: 1. Medical and prescription insurance shall be the same plans or the equivalent, all of which shall include major medical, prescription, and dental coverageprovided for district employees in other bargaining units. b. The Board will pay 2. Current employees who regularly work twenty (20) hours or more per week shall be entitled to coverage only if they do not have such coverage available to them elsewhere. (Appendix A attached hereto specifies specific employees and their indicated coverages.) If a current employee not working twenty (20) hours per week is scheduled for twenty (20) hours or more per week on a regular basis they shall have full eligibility rights. If a currently eligible employee loses coverage they have else where through no fault of their own, they shall be entitled to replace that coverage in the premium for all health and insurance benefits, subject to employee percentage contributions toward premiums, same manner as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effectother current employees. c. Only 3. Employees hired after September 1, 1993, shall be entitled to health insurance coverage only if they are full time employees whose regular assignment is sixty (60%) percent working at least 7 1/2 hours per day. Their entitlement shall be for single coverage only, however, they may choose to cover eligible dependents, provided they reimburse the board for the cost differential between single coverage and whatever dependent coverage they select. 4. The spouse of a fulltime employee's workweek will receive the full benefits district employee who is otherwise eligible for any medical and/or prescription insurance coverage under this Article shall not be provided said coverage as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance long as his/her spouse is covered under a family plan until age 65 with all premiums for this coverage being borne provided by the employee. e. Employees on leave without pay or who retires shall have district. During the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days year prior to a change of insurance carrier and allow employees retirement, the spouse may enroll in single coverage if necessary to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan meet eligibility for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 retirement health plan. h. 5. Employees who receive such must notify the District Office of any change in dependent status within thirty (30) days of the change occurring or they must reimburse the district the difference in rates for all time they should have been in a waiver incentive are subject lower cost category. 6. If the Board desires to normal Federal and change its’ insurance provider, the Association agrees that it will accept the benefit levels of the State withholding on such paymentHealth Benefits Program in effect at the time of change as meeting the test of equivalent benefit levels. If the Board wishes to switch to a provider other than the State Health Benefits Program, benefit levels must be equal to or greater than those enjoyed at the time of change.

INSURANCE PROTECTION. a. A. The Board will offer employees shall provide the choice of three different following health insurance plans or the equivalent, all of which shall include major benefit coverage (medical, prescriptionDental, and dental prescription) for all eligible employees. 1. All non tenured employees shall receive single benefits only with the option to purchase additional benefits for spouse coverage or family coverage. b. 2. All single tenured employees shall receive single benefits only. 3. All married tenured employees shall receive husband and wife benefits only. 4. All tenured employees with eligible children shall receive family benefits. In regards to section 1-4 the following deductibles shall apply. 1. The Board will pay health insurance premium deductible shall be: $250.00 for individual coverage and $500.00 for family coverage 2. The co-payment for the premium employee prescription plan shall be $10.00 for all health generic-retail and insurance benefits, mail $15.00 for name brand/retail or mail 3. All first dollar benefits are subject to the deductible 5. All employees hired prior to July 1, 2001 shall be entitled to 50% of the difference in hospitalization costs between the Traditional Plan and the PPO Plan should the employee percentage contributions toward premiumsopt to enroll in the PPO Plan in place of the Traditional Plan. The employee must notify the District Board Secretary, as outlined in writing, by September 1st of the contract year if they are electing this option. Employees may transfer back into the Traditional Plan after the year in the PPO Plan. 6. All employees hired on or after July 1, 2001 shall be enrolled in the chart belowPPO Benefit plan provided by the Board with the option to enroll in the Traditional Benefit Plan at the employee’s expense. Dependents of employees Should the employee covered in this section choose to participate in the “Section 125 Plan” he or she will be insured compensated at the rate of the cost of the Traditional Benefit Plan for which they would be eligible for. Items a.1 - a.4 covered in this section also apply to this item. B. SECTION 125 PLAN 1. Pursuant to and in accordance with the terms Federal Tax Ruling 213 of the insurance policy Internal Revenue Code, Regulation 1.105 and N.J.S.A. 54A:6-24, the Spring Lake Heights Board of Education agrees to herein implement a “Section 125 Plan” benefit protection subject to legal implementation and without any additional cost to the Board. Said plan will be an addendum to the collective bargaining agreement between the parties. The employee may under this plan, elect a cash option to the district health benefits provided the employee certifies in effectwriting to the Board that the employee is receiving substantially similar benefits from another source. c. Only employees whose regular assignment is sixty (60%) percent of 2. Employees may elect a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon cash payment of their respective eligible total health care premium cost (medical, dental, prescription) in lieu of health benefits as follows: 03/04 04/05 05/06 Waiver of employee coverage $2,770 $2,994 $3,168 Waiver of husband/wife coverage $6,050 $6,500 $7,000 Waiver of family coverage $6,800 $7,350 $7,900 The employee must notify the appropriate premiums and with the consent District Board Secretary, in writing, by September 1st of the specific insurance company involved. f. The Board agrees contract year if they are electing this option. Payment shall take place by July 10th of the subsequent contract year. All payments authorized pursuant to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There this subparagraph shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that yearordinary and regular deductions. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 plan. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. A. Except as noted in this paragraph and in Paragraph E below, the board shall pay the full premium cost for each full-time employee and those part-time employees working 26 (twenty-six) or more hours on average per week in the bargaining unit and the full premium costs for each full-time employee's and part-time employee’s (working 26 or more hours on average per week) dependents, including hospital, medical/surgical insurance and major medical expense insurance. The health benefits program shall provide for mandatory second opinion surgery; pre-admission certification/continued stay review. Employees hired after June 24, 1993 shall be provided employee only coverage at board expense for the first three (3) years of service. After three (3) years of service, these employees shall be provided full family coverage at board expense. (Throughout this contract, and for all employees hired after the date of this memorandum of agreement, part-time employees eligible for benefits are those working 26 (twenty-six) or more hours on average per week.) Effective July 1, 2013, the health coverage plan shall be modified to include changing from Horizon Blue Cross/Blue Shield of N.J. Health Benefits Plan to a Horizon Blue Cross/Blue Shield of N.J. Direct Access Plan Design 7 (State Health Benefits Plan equivalent). Any future plan changes shall be substantially equivalent to the Direct Access Plan Design 7. Under the NJ Direct access Plan Design 7 change the current office visit copay from $10 PCP/Specialist to $15. Also convert coinsurance from 100%/80% to 100%/70%. Increase annual DENTAL deductible from $25 to $50 family $50 to $100. Increase calendar year maximum from $1,000 to $1,500. 1. For each eligible employee who remains in the employ of the board for the full year, and will be returning to the employ of the board for the next year, the board shall make payment of insurance premiums to provide insurance coverage for the full 12 (twelve) months, commencing September 1 and ending August 31; when necessary, premiums on behalf of the employee shall be made prospectively to ensure uninterrupted participation in coverage. Any employee laid off and rehired in September shall be eligible for reimbursement for the COBRA payments made by the employee to maintain insurance coverage. 2. Provisions of the health-care insurance program shall be detailed in the master contract between the board and the insurance carrier. The carrier shall provide each covered employee with a statement of available benefits. 3. The board shall make available an FSA option. $500 of employee’s contribution may be carried over into the following year. Effective January 1, 2019, all staff eligible for benefits as defined above will be eligible for family benefits provided that they enroll in the Heal Savings Account (HSA) option. Effective January 1, 2019, all new hires eligible for benefits as defined above will be enrolled in the Health Savings Account (HSA) plan with the option to pay up to the difference to enroll in the BCBS Direct Access PPO Plan. Staff members who were hired prior to January 1, 2019 and elected to enroll in the HSA plan shall have the option to return to the Direct Access Plan defined in this article during the open enrollment periods. The Board will offer shall pay 50% toward the deductible for any employee enrolled in the Health Savings Account (HSA) Plan on January 1 of each year. The Board shall give an additional stipend of the remaining 50% of the deductible by January 15th of each year. B. The board shall continue to provide a full family dental insurance program to full-time employees and part-time employees working 26 or more hours on average per week) in the choice bargaining unit. Employees hired after June 24, 1993 shall be provided employee only coverage at board expense for the first three (3) years of service. After three different health (3) years of service, these employees shall be eligible for full family coverage at board expense. C. The board shall provide a prescription drug insurance plans program to all full-time employees and part-time employees working 26 or more hours on average per week in the equivalentbargaining unit. Effective January 1, all 2010, the Prescription Plan shall be changed as follows: Mail Order Non-preferred drug $40 $60 Preferred drug $25 $30 Generic $10 $10 D. The insurance carrier shall provide to each employee a description of the health-care coverage provided under this article, no later than the beginning of the school year, which shall include major medicala clear description of conditions and limits of coverage as listed. E. Paraprofessionals hired after July 1, prescription1986 shall not be eligible for health insurance fringe benefits, and dental provided however that any cafeteria worker or aide employed prior to June 30, 1986 who is subject to a reduction in force shall, if rehired, be entitled to the same level of fringe benefits as was provided prior to the RIF. In addition, any aides working 26 (twenty-six) hours or more on average per week shall be eligible for health benefit coverage. b. The Board will pay the premium for all health and insurance benefits, subject to F. Any employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has shall have the option of remaining surrendering coverage under this article in the group insurance plan until age 65 with all premiums exchange for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon a lump sum cash payment of the appropriate premiums $7,500 (seven- thousand-five-hundred) for family coverage, $5,600 (fifty-six-hundred) for husband and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier wife, $4,000 (four-thousand) for parent and allow employees to review the planchild and $2,500 (twenty-five-hundred) for single. Employees Said payment shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one on January 15th and June 30th of the contract year in December and one which benefits are surrendered. Each employee opting to surrender benefits provided under Article 29 shall notify the Board no later than June 15th preceding the contract in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive which the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form stipend in lieu of benefits. Employees who accept the lump sum cash payment will be surrendering all benefits under Article 29 (i.e. Medical, Dental, and Prescription). Surrender of benefits for the following year shall not be considered automatic. Every employee shall be considered as covered unless and until such time as an employee shall affirmatively notify the Board that it is continuing to surrender benefits in return for the aforestated stipend. Effective July 1, 2013, married staff members who both work for the Board are prohibited from each electing to receive health benefits. The employee opting out remains entitled to receive the administrationlump sum cash payment stated herein in exchange for surrendering the health benefits. 1. It will contain a final return date Any new 10-month employee, who begins at the beginning of the contract year and waiver is employed through June, and elects to waive insurance benefits is entitled to the full buyout amount as per Article 29, Section F of coveragethe MEA Contract. 2. Any new 10-month employee hired after the start of the contract year and elects to waive insurance benefits, shall have their buyout amount prorated by 1/12th for each month that they did not work after the start of the contract year. A month worked shall be defined as being on contract and paid for more than ten school days in the month. 3. Any 10-month employee who leaves the district before the end of the contract year, and will specify not be returning to the incentive payment which district, shall also have their buyout prorated 1/12th for each month that they do not work. (Month worked defined above.) 4. Any employee who does not start or finish the school year due to medical leave will continue to receive the full buyout amount as per Article 29, Section F of the MEA contract, provided that they are using paid sick time and/or are on family leave, when the employee would normally be entitled to benefits. Proration of an insurance buyout would not begin until sick time and family leave has expired. At that point, said employee’s buyout will be receivedprorated 1/12th for each month that they are on leave and not using sick time or family leave, using the same “month worked” calculation as defined above. g. In order 5. These agreed upon provisions will take effect for employees hired after July 1, 2017. Employees hired prior to protect all July 1, 2017 will not receive any additional payment should the above provisions apply. Payment for employees from Federal hired after July 1, 2017 who are entitled to additional compensation as a result of the above provisions will receive this payment prior to June 30, 2018 at the same time as the Spring 2018 buyout disbursements. Employee health insurance contributions shall be at Tier 4, pursuant to the table and State taxation of existing benefits once this plan is terms set forth in effect, the District will maintain a Section 125 planChapter 78. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. A. The Board shall provide Health Insurance protection which includes the benefits indicated below. The Board shall pay the full premium cost for each employee and his/her dependents, if any. 1. For each employee presently in the employ of the Board who continues for a full school year, the Board shall make payment of insurance premiums to provide coverage for the full twelve-month period, commencing July 1st for twelve (12) month employees and September 1st for ten (10) month employees. 2. Each new employee will offer employees be eligible to become a participant in the choice Health Insurance Program on the first of three different health insurance plans the month following the date the employee completes two (2) months of continuous service with the Board. The dependents' coverage for those who have enrolled their dependents will become effective on the same date. 3. The Health Insurance shall provide coverage equivalent to or better than that currently provided by the equivalentdistrict and shall be detailed in master policies and contracts and shall include, all but not be limited to : a. Payment of which semi-private room, board and miscellaneous costs. b. Out-patient benefits. c. Payment for laboratory fees, diagnostic expenses and therapy treatments. d. Payment for maternity costs. e. Payment for surgical costs. f. Major Medical coverage up to $1,000,000. 4. Employees in positions subject to terms and conditions of this contract who work less than 25 hours per week will not be eligible for Health Benefits, Dental Benefits and Prescription Benefits. B. Secretaries or clerks on leaves of absence without pay may continue coverage of employee and dependents by paying to the Board of Education, in advance, the total premium required for such coverage provided no period of such continued coverage exceeds a total of nine (9) months. C. The Board shall provide each secretary or clerk with a description of the Health Insurance Coverage provided by no later than the Beginning of each school year. This information shall include major medicala clear description of conditions and limits of coverage provided. D. Each employee covered by Part B of Medicare shall be reimbursed annually by the Board for the premium cost. E. In the event that the Board changes Health Insurance Carrier, provisions for a direct payment plan for all retirees shall be included. F. Dental Plan, Prescription Plan and Optical Plan - For the term of this agreement, the Board shall contribute an additional $1,090.00 above the 2002-2003 school year amount of $2,825.00 per employee towards the premium cost of the dental, prescription, optical and dental coveragedisability plans. However, no more than $400.00 of the $1,090.00 total may be used in any single contract year toward these premiums. b. The Board will pay G. Effective anytime during the premium for all health and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re2004-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance 2005 school year, the employee may parties shall re-enroll immediately in open negotiations for the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 medical plan. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. A. The Board will offer shall provide health-care insurance protection and shall pay the full premium for employees and their dependents under the choice of three different health insurance plan. Effective July 1, 2019, employees shall be offered a POS program. All insurance plans or shall be structured in compliance with the equivalent, all of which Mental Health Parity Act. The co-pay is $10 and the deductible for single and family is $200 and $500. Eligible employees shall include major medical, prescription, and dental coveragebe entitled to buy up insurance coverage from the POS program to the PPO program paying the difference in cost between the programs. b. B. The Board will shall provide a prescription program for the contract years July 1, 2019 through June 30, 2022 with the following co-pays: $20 for generic, $40 for preferred brand, $60 for non-preferred brand, C. The Board shall provide a dental benefit insurance plan for enrolled employees and dependents. The Board shall pay the premium for all health and insurance benefitsat the rate in effect on June 30, subject to employee percentage contributions toward premiums, as outlined on 1998. Any increase in the chart below. Dependents of employees will premium above that amount shall be insured deducted from the employee's salary in accordance with the terms provisions of Article XIX. The Dental Plan will provide a maximum allowance of $2,000 annually. The Board shall provide the Association with an opportunity to select additional dental plans to which they can buy up. The buy up plan options will include a plan with a maximum allowance of $3000 annually and/or an orthodontics allowance. D. The Board shall provide a vision plan for enrolled employees and dependents. The cost of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne shall be covered by the employee. e. Employees on leave without pay or E. The Board shall provide an Employee Assistance Plan at no cost to the employee. F. For each employee who retires shall have remains in the privilege of being covered under the group plans upon payment employ of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June 30. The payment will be made in two installments per year, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance full school year, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve month period commencing July first and ending June thirtieth; when necessary, premiums on behalf of the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will shall be prorated for that yearmade retroactively or prospectively to insure uninterrupted participation and coverage. f. Each potentially eligible G. The Board shall provide to each employee will receive a form from description of the administration. It will contain health-care insurance coverage provided under this article; this shall include a final return date clear description of conditions and waiver limits of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal H. At any time, insurance carriers may be changed but only by mutual agreement of the Board of Education and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 planBTEA. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. (Any illustrative employee contributions may be impacted by timing of the potential implementation of the bargaining agreement in compliance with PA 54 of 2011) • $6,685.17 – Single person Coverage • $13,980.75 – Two Person Coverage • $18,232.31 – Family Coverage The Board shall provide XXXXX-XXX for a full twelve (12) month period for the bargaining unit employee and his/her dependents. The Employer shall sign an Employer participation agreement. During open enrollment, employees will offer employees choose between the choice of three different health insurance plans options listed below and a fourth option that may be added during open enrollment. The negotiated cost arrangement shall be in compliance with The Publicly Funded Health Insurance Contribution Act and the amount paid by the District shall not exceed the statutory hard cap limitation. The hard cap limitations for medical benefit plan coverage years beginning on or the equivalentafter January 1, 2019 including all of which shall include major medicaltaxes and fees are $18,232.31 for full family, prescription$13,980.75 for two persons, and dental coverage. b. The Board will pay the premium $6,685.17 for all health and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived single coverage. The waiver period shall be July 1 These caps will remain in effect through June 30, 2020 (expiration of contract). The payment will be made in two installments per year, one in December Employee shall pay that portion of the health rate which exceeds the statutory hard cap including any taxes and one in June. b. Employees eligible fees assessed towards the health insurance costs for the level of coverage of health only (MESSA Choices II or MESSA ABC Plan 1) provided to waive insurances are employees who are eligible to receive any enrollment level above single the bargaining unit employee and his/her dependent(s) for health/hospitalization insurance or are eligible to receive any enrollment level a twelve (12) month period for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if payroll deduction through a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s section 125 premium contribution plan. If such re-enrollment occurs during Bargaining unit employees electing Plan B (no medical insurance) will pay no employee contribution. In compliance with the insurance yearAct, any costs associated with the incentive payment will XXXXX XX-1 rider shall be prorated for that year. f. Each potentially eligible employee will receive a form from paid by the administrationbargaining unit employee. It will contain a final return date and waiver Under Section 125 of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effectIRS code, the District will maintain may offer flexible spending plans. If an employee leaves employment of the District and meets the following criteria; 1) Is a Section 125 planparticipant in the Health Care Flexible Spending Account; and 2) Has not contributed through payroll deductions the full amount elected by the employee at the beginning of the plan year; and 3) Has been reimbursed by the Plan in excess of the amounts contributed by the Employee through payroll deduction; then The District may establish an agreement with the employee to deduct the resulting difference from the employee’s final paycheck between the amount contributed to the Plan by the employee through payroll deduction and the amount reimbursed to the employee. PLAN A OPTIONS 1 and 2: MESSA Choices II PLAN A OPTION 3: MESSA ABC Plan 1. h. Employees who receive such 1. For bargaining unit employees previously on MESSA Choices II, the bargaining unit employee will transition to the MESSA ABC Plan 1 effective January 1, 2020. A. Bargaining unit employees initially moving to the MESSA ABC Plan 1, will pay that portion of the combined health only rate which exceeds the statutory hard cap, including any taxes and fees assessed for Choices II for six (6) months costs for the period of July through December and MESSA ABC Plan 1 for six (6) months costs for the period of January through June for the level of coverage provided to the bargaining unit employee and his/her dependent(s) for a waiver incentive are twelve (12) month period. B. Bargaining unit employees continuing on MESSA ABC Plan 1 will be subject to normal Federal and State withholding on such paymentthe statutory hard caps as described in the first paragraph of Article 12.

INSURANCE PROTECTION. a. A. Effective July 1, 2011, the Board shall only offer School Employees Health Benefit Plan (SEHBP) medical insurance coverage currently known as Direct 10 to eligible employees. All employees enrolled in Traditional or other plans offered by the Board shall be moved into the SEHBP. Employees shall be required to contribute to their health insurance benefits the greater of (i) 1.5% of based salary for employee only coverage; 2.0% of base salary for Parent-Child or Husband-Wife coverage, or 2.5% for Family Coverage or (ii) Chapter 78 contributions. B. The Board will offer employees reserves the choice of three different right to transfer the health insurance plans coverage to other companies, but agrees that if this is done the coverage shall be equal to or better than that presently existing. The Board and Association agree to re-open negotiations on the equivalent, all issue of which shall include major medical, prescription, and dental coveragehealth benefits should either party be desirous of modifying the health insurance programs offered employees. b. C. The Board will pay premiums for the premium for all health and employee portion of dental insurance benefitscoverage, subject to a premium cap of $475.00 per eligible employee percentage per year. Costs above the premium cap and costs associated with dependent dental coverage are the employee’s responsibility. Employees selecting dental insurance coverage, but waiving SEHBP medical insurance coverage or otherwise not eligible for SEHBP medical insurance coverage, are not subject to the health benefit contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in section A above pursuant to law. D. Employees who are regularly employed 25 hours per week or longer will be entitled to the chart coverage provided in sections A and C above. d. A retiring E. No insurance payments shall be made for an employee has after the option effective date of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employeehis/her resignation. e. Employees on leave without pay or F. Eligible employees who retires shall have voluntarily waive the privilege of being covered under the group plans upon payment of the appropriate premiums health benefits set forth in Paragraphs A and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $5000, C above will be made to the employee in the amount of paid 25% of the relevant premium, minus employee contribution, that premium cost of the Board would have been required to pay if program in which the employee had not waived coverageis eligible, or $5,000, whichever is less, of the amount saved. The waiver period shall be July 1 through June 30. The payment Payment will be made in two installments per year, one in installments- December 31 and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization June 30. Once an employee voluntarily waives insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in reenroll upon proof of any of the District’s planlife events as designated by the Department of Insurance. If such re-enrollment occurs during Employees hired after July 1 who elect not to take insurance or employees who are terminated prior to June 30 shall have the insurance year, payment prorated based on the incentive payment will be prorated for that yearnumber of months employed. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 plan. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. A. The Board shall provide the following health care insurance protection for all certificated employees covered by this Agreement except part-time personnel employed on less than a four-fifths (4/5) basis. All new employees hired after 7/01/01, who are eligible for and select health benefits must enroll in a PPO program and will offer employees the choice of three different be eligible for Board Paid family health insurance plans or the equivalent, all of which shall include major medical, prescription, and coverage as well as family dental coverage. b. The Board . Bargaining unit members hired after July 1, 1995 will pay not receive board paid coverage for prescription. Employees hired after July 1, 1995 will have the premium option to purchase prescription benefits not paid for all health and insurance benefits, subject to employee percentage contributions toward premiums, as outlined on by the chart below. Dependents board of employees will be insured education at the group rates in force at the time in accordance with the terms provisions and approval of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment carrier. Members of the appropriate premiums and with the consent bargaining group not eligible for prescription health benefits coverage will have a $10,000 pool set aside which after June 30th of each year will be distributed based on a proration of the specific insurance company involved. f. The Board agrees prescription claims verified thru EOB (explanation of benefits). No employee shall obtain benefits in excess of their unpaid prescriptions. Claims will be submitted to notify employees the Business Administrator/Assistant Superintendent with supporting documentation no later than July 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreementpreceding school year. An incentive payment, not to exceed $5000, Payments will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June aforesaid members no later than September 30. The Board shall make payment of full individual or full family insurance premiums for members hired prior to July 1, 1995 as appropriate to provide insurance coverage for the full twelve (12) month period for the following insurance at regular rate: 1. Hospitalization benefits; 2. Surgical benefits; 3. Rider J benefits; 4. Major Medical benefits. B. Employees with dependents insured elsewhere vis-à-vis the above benefits shall not be eligible for dependent coverage by the Board unless such coverage is relinquished at the dependent's place of employment. Employees with a spouse in military service are not eligible for the medical benefits rendered above. C. The Board reserves the right to change the carrier. However, the benefits under a new carrier must be at least equal to those of the State Health Benefit Program. If a change in carrier is to be made, the proposal will be submitted to the M.R.E. A. Executive Board for examination but not for approval. The final decision shall be made in two installments per year, one in December and one in Juneby the Board. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single D. The Board shall provide a Prescription Drug Program covering employee, spouse and family, such program shall be with a $ 10.00 deductible co-insurance feature for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may renon-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coveragegeneric drugs, and will specify a $5.00 deductible co-insurance feature for generic drugs, and a no-pay feature for mail-in refills. This benefit shall apply to the incentive payment which will be receivedsame employees as set forth in Section A., above. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 plan. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. A. The Board shall provide the health-care insurance protection designated below. Effective as soon after mutual ratification of the 2000-2003 Agreement, the District will offer employees make the choice Traditional, Horizon PPO and HMO plans available to all unit members on a voluntary basis. The Board shall pay the full premium for each employee as defined by carrier and in cases where appropriate for family-plan or for registered domestic partnership insurance coverage subject to the following exceptions/ conditions. A member may enroll in any insurance plan during an open enrollment period. 1. Effective with the mutual ratification of the 2003-2006 Agreement, the PPO plan shall be the threshold Board-paid plan for all newly-hired eligible unit members, as modified by A. 3. below, for the first three different years of their employment in the District, and for all existing unit members who become eligible for health insurance plans or benefits based upon an increase in their work hours as modified by A. 3. below, for the equivalentfirst three years of their insurance eligibility. Thereafter, all of these unit members may enroll at Board cost in any available plan option. 2. New hires temporarily replacing people on medical, maternity and/or other leaves shall be given individual employee health coverage in accordance with a waiting period which shall include major medicalbe defined as a period of time which ends on the first day of the calendar month following 30 days of active service. However, prescriptionsuch employees will be allowed to receive spouse, and dental family and/or registered domestic partner coverage by contributing for that portion of the premium coverage. b. The Board will pay the premium for all health and insurance benefits3. All new employees hired after July 1, subject to employee percentage contributions toward premiums, as outlined on the chart below. Dependents of employees will be insured in accordance with the terms of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment of the appropriate premiums and with the consent of the specific insurance company involved. f. The Board agrees to notify employees 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreement. An incentive payment, not to exceed $50001992, will be made offered individual health coverage through the end of their third full year of employment with the Board. Effective September 1, at the beginning of their fourth full year of employment with the Board, employees shall be entitled to receive full family benefits and/or registered domestic partner as detailed throughout this ARTICLE. Effective July 1, 2006, non-tenured employees in this category desiring coverage above the employee in the amount of single enrollment level shall contribute 25% of the relevant premiumdifference between single insurance and the enrollment chosen. Effective July 1, minus 2007, employees in this category desiring coverage above the single enrollment level shall contribute 20% of the difference between single insurance and the enrollment chosen. 4. For each full time employee contributionas defined by carrier who is in the employ of the Board, that the Board would have been required shall make payment of insurance premiums to pay if provide insurance coverage for the employee had not waived coveragefull twelve (12) month period commencing September 1 and ending August 31. 5. Provisions of the health care insurance program shall be detailed in master policies and contracts provided by the health care carrier. The waiver period plan benefits shall include oral contraceptives, individual dental maximum per year is $1500, and orthodontic benefits up to $1000 per person (this is a lifetime benefit). B. The prescription co-pay will be $10 for generic and $15 for brand name prescriptions. Effective January 1, 2007, the prescription co-pay will be $15 for generic and $20 for brand name prescriptions and $0 for mail order. C. 1. Single employee medical deductible shall be July 1 through June 30. The payment will be made in two installments $150 per year, one in December and one in June. b. Employees eligible to waive insurances are employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insurance. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 plan. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.

INSURANCE PROTECTION. a. A. The Board shall provide the following health care insurance protection for all certificated employees covered by this Agreement except part-time personnel employed on less than a four-fifths (4/5) basis. All employees participating in employer paid benefits shall contribute towards health benefits. An amount equal to 1.5% of base salary shall be deducted as per PL 2010 Ch 2. Said deduction will offer employees be in compliance with IRS section 125 rules and regulations. All who are eligible for and select health benefits must enroll in a PPO program and will be eligible for Board Paid family health coverage (less the choice of three different health insurance plans or the equivalent, all of which shall include major medical, prescription, and 1.5% payment towards benefits as in paragraph above) as well as family dental coverage. b. The Board will pay . If an employee wishes to purchase the premium difference between Traditional and PPO, they may do so through a district section 125 plan. Bargaining unit members hired after July 1, 1995 will not receive board paid coverage for all health and insurance benefitsprescription. Employees hired after July 1, subject 1995 will have the option to employee percentage contributions toward premiums, as outlined on purchase prescription benefits not paid for by the chart below. Dependents board of employees will be insured education at the group rates in force at the time in accordance with the terms provisions and approval of the insurance policy in effect. c. Only employees whose regular assignment is sixty (60%) percent of a fulltime employee's workweek will receive the full benefits provided as set forth in the chart above. d. A retiring employee has the option of remaining in the group insurance plan until age 65 with all premiums for this coverage being borne by the employee. e. Employees on leave without pay or who retires shall have the privilege of being covered under the group plans upon payment carrier. Members of the appropriate premiums and with the consent bargaining group not eligible for prescription health benefits coverage will have a $15,000 pool set aside which after June 30th of each year will be distributed based on a proration of the specific insurance company involved. f. The Board agrees prescription claims verified thru EOB (explanation of benefits). No employee shall obtain benefits in excess of their unpaid prescriptions. Claims will be submitted to notify employees the Business Administrator with supporting documentation no later than July 30 calendar days prior to a change of insurance carrier and allow employees to review the plan. Employees shall have 30 calendar days after the receipt of documentation to review the plan. Voluntary Waiver of Benefits a. There shall be a voluntary waiver incentive plan for the health/hospitalization, prescription and dental insurances provided in this Agreementpreceding school year. An incentive payment, not to exceed $5000, Payments will be made to the employee in the amount of 25% of the relevant premium, minus employee contribution, that the Board would have been required to pay if the employee had not waived coverage. The waiver period shall be July 1 through June aforesaid members no later than September 30. The Board shall make payment of full individual or full family insurance premiums for members hired prior to July 1, 1995 as appropriate to provide insurance coverage for the full twelve (12) month period for the following insurance at regular rate: 1. Hospitalization benefits; 2. Surgical benefits; 3. Rider J benefits; 4. Major Medical benefits. B. Employees with dependents insured elsewhere vis-à-vis the above benefits shall not be eligible for dependent coverage by the Board unless such coverage is relinquished at the dependent's place of employment. Employees with a spouse in military service are not eligible for the medical benefits rendered above. C. The Board reserves the right to change the carrier. However, the benefits under a new carrier must be at least equal to those of the State Health Benefit Program. If a change in carrier is to be made, the proposal will be submitted to the M.R.E. A. Executive Board for examination but not for approval. The final decision shall be made in two installments per year, one in December and one in Juneby the Board. b. Employees eligible D. The Board shall provide a Prescription Drug Program covering employee, spouse and family, such program shall be with a $ 5 deductible co-insurance for mail order; $10 deductible co-insurance feature for generic drugs; and a $15 deductible for non-generic drugs (brand name). This benefit shall apply to waive insurances are the same employees who are eligible to receive any enrollment level above single for health/hospitalization insurance or are eligible to receive any enrollment level for prescription and dental insuranceas set forth in Section A., above. c. An employee may waive one, two or all three insurances. d. An employee who has no other health/hospitalization coverage may not waive the health/hospitalization coverage. An employee waiving health/hospitalization coverage must provide proof of alternative coverage or the waiver will not be allowed. e. An employee who waives coverage may re-enroll at the open enrollment periods, subject to carrier rules. The only exception is that if a spouse’s health/hospitalization coverage is terminated during an insurance year, the employee may re-enroll immediately in the District’s plan. If such re-enrollment occurs during the insurance year, the incentive payment will be prorated for that year. f. Each potentially eligible employee will receive a form from the administration. It will contain a final return date and waiver of coverage, and will specify the incentive payment which will be received. g. In order to protect all employees from Federal and State taxation of existing benefits once this plan is in effect, the District will maintain a Section 125 plan. h. Employees who receive such a waiver incentive are subject to normal Federal and State withholding on such payment.