Common use of INSURANCE PROTECTION Clause in Contracts

INSURANCE PROTECTION. A. The Board shall continue to provide the full premium for N.J. State Health Benefits Plan coverage, or its equivalent for employee, family and eligible dependents. 1. A detailed description of the Plan shall be provided to each employee by the Board. 2. For each employee who remains in the employ of 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 June 30th and ending July 1st. When necessary, payment of premiums in behalf of the employee shall be made retroactively or prospectively to assure uninterrupted participation and coverage. 3. Employee shall contribute to benefits’ premium costs as per New Jersey State Public Law. 4. Effective July 1, 2017, the base plan for all members will be the NJ Direct 15/Aetna Freedom 15 Plan. Employees who select a more expensive plan will have the option of “buy-up” by paying the difference in premiums between the more expensive plan and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan). B. The Board shall provide to each employee a description of health-care insurance coverage provided under this Article, which shall include a clear description of conditions and limits of coverage as listed above. C. The Board shall provide for continuance of health-care insurance after retirement on the terms detailed in the master policies and contracts agreed upon by the Board and the Association. Retiree will pay all costs. D. The Board shall provide dental plan coverage for the employee only commencing with the 1999- 2000 school year, and family coverage if requested by the employee for the 2000-2001 school year. E. The Board shall provide one-half of the cost of vision plan coverage for the employee and members of his family commencing with the 1999-2000 school year, if the employee elects such coverage. F. The Board shall provide family prescription coverage with a $10.00 co-pay. The prescription coverage shall provide a premium cap limiting the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019, the Board’s responsibility for prescription premiums will be capped at $1,750.00. Effective July 1, 2020, the Board’s responsibility for prescription premiums will be capped at $2,150.00 per year. Effective July 1, 2021 t the Board’s responsibility for prescription premiums will be capped at $2,300.00 per year.

INSURANCE PROTECTION. The following insurance provision is provided: A. The Board insurance benefit year shall continue be July 1 - June 30. B. For medical benefit plans beginning July 1, 2019, the District Employee Insurance Committee (which includes three (3) voting representatives from the Xxxxxxxx Education Association) shall identify the insurance carrier(s) and coverage plan(s) available to provide District employees and shall advise the full premium for N.J. State Association of the insurance options at least forty- five (45) days before the beginning of the medical benefit plan coverage year. The medical benefit plan identified by the District Employee Insurance Committee shall comply with the Patient Protection and Affordable Care Act, the IRS Code, and the Publicly Funded Health Benefits Plan coverageInsurance Contribution Act, as amended, including any requirements necessary to avoid taxes, fees, or its equivalent for employee, family and eligible dependentspenalties. 1. A detailed description C. Subject to Public Act 54 of the Plan shall be provided to each employee by the Board. 2. For each employee 2011, for those eligible bargaining unit members who remains in the employ of the Board opt for the full school yeardistrict funded insurance, the Board shall make payment contribute the maximum hard-cap amount per eligible teacher allowed under PA 152 of insurance premiums to provide insurance coverage 2011, as amended for the full twelve (12) month period, commencing June 30th and ending July 1stmedical benefit plan coverage year then in effect. When necessary, payment of premiums in behalf of the employee shall be made retroactively or prospectively to assure uninterrupted participation and coverage. 3. Employee shall contribute to benefits’ premium costs as per New Jersey State Public Law. 4. Effective July 1, 2017, the base plan for all members will be the NJ Direct 15/Aetna Freedom 15 Plan. Employees who select a more expensive plan will have the option of “buy-up” by paying the difference in premiums between the more expensive plan and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan). B. The Board shall provide first contribute, if a Health Savings Account (HSA) eligible medical plan (as defined by the IRS) is elected, the member selected amount into an individual Health Savings Account (HSA) in equal, bi-annual, contributions (half on January 1st and the other half on July 1st). The three options for members to each employee choose are $0 (zero), ½ (half) or the chosen plan’s annual deductible, or the full annual deductible of the chosen plan. D. Only teachers who are assigned to a description full-time position as defined by the PPACA (currently working an average of health30 hours or more per week in the District) will be eligible for insurance benefits. E. For all teachers continuously employed, insurance benefits allowed shall not be terminated prior to September 1 for any teacher leaving the employment of the Board after June 1 of the same school year, so long as the teacher pays their portion of the medical benefit plan costs. The Board's contribution shall cease for any teacher whose employment ceases prior to June 1 or who goes on an unpaid leave of absence, other than a leave of absence under the Family and Medical Leave Act. Teachers shall be responsible for ensuring that the Board is reimbursed for any pro-care insurance rated portion of its HRA contributions attributable to that portion of the medical benefit plan coverage provided under this Articleyear remaining when the teacher leaves active employment with the District, except where the leave is related to the Family and Medical Leave Act. F. To the extent allowed by law, teachers may contribute to a health Flexible Spending Account or Section 125 plan in an amount authorized by law for the medical benefit plan coverage year, which shall include a clear description of conditions and limits of coverage as listed above. C. The Board shall provide for continuance of health-care insurance after retirement on be used to offset any deductibles, premium costs attributable to the terms detailed in the master policies and contracts agreed upon by the Board and the Association. Retiree will pay all costs. D. The Board shall provide dental plan coverage for the employee only commencing with the 1999- 2000 school yearteacher (if any), and family coverage if requested any other items allowed by the employee for the 2000-2001 school year. E. The Board shall provide one-half of the cost of vision plan coverage for the employee law and members of his family commencing with the 1999-2000 school year, if the employee elects such coverage. F. The Board shall provide family prescription coverage with a $10.00 co-pay. The prescription coverage shall provide a premium cap limiting the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019, the Board’s responsibility for prescription premiums will be capped at $1,750.00. Effective July 1Section 125 plan. G. If, 2020in any insurance benefit year, the Board’s responsibility for prescription premiums will be capped at $2,150.00 per year. Effective July 1, 2021 t monthly insurance premium exceeds the Board's contribution, any additional amounts shall be payroll deducted, or if wages are not available for payroll deduction, shall be paid directly by the teacher prior to the 1st of the month in which the premium payment is due. H. The Board will provide a Section 125 Plan that complies with the IRS Code. I. For those opting to take cash-in-lieu rather than the medical benefit plan, the Board shall pay per month, four-hundred twenty-five dollars ($425.00) for 2024-2025; four-hundred forty dollars ($440.00) for 2025-2026; and four-hundred fifty-five dollars ($455.00) for 2026-2027, minus all applicable taxes, deductions, and any payments made towards non- medical benefit insurance plans chosen or required by the teacher, in accordance with the District’s responsibility for prescription premiums will be capped at $2,300.00 per yearSection 125 Plan.

INSURANCE PROTECTION. A. The Board shall continue provide the health-care insurance protection designated below. Effective as soon after mutual ratification of the 2000-2003 Agreement, the District will make the Traditional, Horizon PPO and HMO plans available to provide all unit members on a voluntary basis. The Board shall pay the full premium for N.J. State Health Benefits Plan coverage, or its equivalent each employee as defined by carrier and in cases where appropriate for employee, family and eligible dependentsfamily-plan insurance coverage subject to the following exceptions/ conditions. A member may enroll in any insurance plan during an open enrollment period. 1. A detailed description Effective with the mutual ratification of the Plan 2003-2006 Agreement, the PPO plan shall be provided to each employee the threshold Board-paid plan for all newly-hired eligible unit members, as modified by A. 3. below, for the Boardfirst three years of their employment in the District. Thereafter, 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 be defined as a period of time which ends on the first day of the calendar month following 30 days of active service after they have reached their sixth month of employment. However, such employees will be allowed to receive spouse and/or family coverage by contributing for that portion of the premium coverage. 3. All new employees hired after July 1, 1992 will be 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 as detailed throughout this ARTICLE. Effective July 1, 2003, non-tenured employees in this category desiring coverage above the single enrollment level shall contribute 75% of the difference between single insurance and the enrollment chosen. Effective July 1, 2004, employees in this category desiring coverage above the single enrollment level shall contribute 50% of the difference between single insurance and the enrollment chosen. Effective July 1, 2005, employees in this category desiring coverage above the single enrollment level shall contribute 25% of the difference between single insurance and the enrollment chosen. 4. For each full time employee as defined by carrier who remains is in the employ of the Board for the full school yearBoard, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve (12) month period, period commencing June 30th September 1 and ending July 1stAugust 31. 5. When necessary, payment of premiums in behalf Provisions of the employee health care insurance program shall be made retroactively or prospectively detailed in master policies and contracts provided by the health care carrier. The plan benefits shall include oral contraceptives, individual dental maximum per year increased to assure uninterrupted participation $1500, and coverage. 3. Employee shall contribute orthodontic benefits up to benefits’ premium costs as $1000 per New Jersey State Public Law. 4. Effective July 1, 2017, the base plan for all members will be the NJ Direct 15/Aetna Freedom 15 Plan. Employees who select person (this is a more expensive plan will have the option of “buy-up” by paying the difference in premiums between the more expensive plan and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 planlifetime benefit). B. The Board shall provide to each employee a description of healthprescription co-care insurance coverage provided under this Articlepay will be: $5.00 for generic and $10.00 for brand name prescriptions. Effective January 1, which shall include a clear description of conditions 2004, the prescription co-pay will be $10 for generic and limits of coverage as listed above$15 for brand name prescriptions. C. The Board 1. Single employee medical deductible shall provide for continuance of health-care insurance after retirement on the terms detailed in the master policies and contracts agreed upon by the Board and the Association. Retiree will pay all costs. D. The Board shall provide dental plan coverage for the employee only commencing with the 1999- 2000 school year, and family coverage if requested by the employee for the 2000-2001 school year. E. The Board shall provide one-half of the cost of vision plan coverage for the employee and members of his family commencing with the 1999-2000 school year, if the employee elects such coverage. F. The Board shall provide family prescription coverage with a be $10.00 co-pay. The prescription coverage shall provide a premium cap limiting the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019, the Board’s responsibility for prescription premiums will be capped at $1,750.00. Effective July 1, 2020, the Board’s responsibility for prescription premiums will be capped at $2,150.00 per year. Effective July 1, 2021 t the Board’s responsibility for prescription premiums will be capped at $2,300.00 150 per year.

INSURANCE PROTECTION. A. 7:1 The Board shall continue to of Education agrees that it will provide health-care coverage that existed as of July 1, 1996. The eligible employee may choose the full premium for N.J. State Health Benefits Plan coverageindividual, parent and child, husband and wife, or its equivalent for employee, family and eligible dependents. 1. A detailed description of the Plan shall be provided to each employee by the Board. 2. For each employee who remains in the employ of 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 June 30th and ending July 1st. When necessary, payment of premiums in behalf of the employee shall be made retroactively or prospectively to assure uninterrupted participation and coverage. 3. Employee shall contribute to benefits’ premium costs as per New Jersey State Public Law. 4plan. Effective July 1, 20171998, all new hires shall receive single only Horizon Direct Access V and X or its equivalent medical insurance and single only prescription coverage until the base plan 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 members 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 NJ Direct 15/Aetna Freedom 15 Plan. Employees who select a more expensive plan will have Board; upon their return to employment such employees shall receive the option of “buy-up” by paying the difference in premiums between the more expensive plan and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan)same health care coverage that they had before they began their approved leave. B. The Board shall provide to each employee a description of health-care insurance coverage provided under this Article, which shall include a clear description of conditions and limits of coverage as listed above. C. 7:2 The Board shall provide for continuance continuances of health-care healthcare insurance after retirement on the terms detailed in the master policies and contracts agreed upon by the Board and the Association. Retiree will pay The retirees shall be responsible for all costspremium costs involved. D. 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 dental plan at no cost to the secretary, chest-x-rays required of the secretary to maintain his/her employment, provided said secretary xxxxxx himself/herself of the program provided by the Board. 7:6 Effective July 1, 2007, the Board of Education shall provide full coverage for a prescription plan with a $15.00 co-pay provision for name brand drugs and a $5.00 co-pay provision for generic drugs for retail; and a $15.00 co-pay for mail order brand name drugs, and a $5.00 co-pay for mail order generic drugs in accordance with the provisions of the policy. The employee may choose the individual, parent and child or family plan, except for new hires. 7:7 The Board of Education shall pay the premium for 100% of the employee only commencing with the 1999- 2000 school plus eligible dependents cost for a dental program up to $1,250.00 per year, and family coverage if requested by the employee for the 2000-2001 school yearper person. E. 7:8 The Board of Education shall provide pay one-half (1/2) of the cost of vision plan coverage for the premium of Prudential Class 2: 330 benefit ($330 per month). The employee and members may select additional Plans at no expense to the Board of his family commencing Education with authorized payroll deductions to cover the 1999-2000 school yearincreased premium. If the Board of Education makes a determination to change the carrier from Prudential, if the employee elects Board shall give the Association notification in writing of such coveragea 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”. F. The Board shall provide family prescription coverage with a $10.00 co-pay. The prescription coverage shall provide a premium cap limiting the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019, the Board’s responsibility for prescription premiums will be capped at $1,750.00. 7:9 Effective July 1, 20202001, employees retiring prospectively only with twenty-five (25) years of service in PERS, ten (10) years of which are in the Xxxxxxxx Township School District, will receive annually by July 30th a cash payment in the amount equal to the 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’s responsibility Board shall have no obligation to provide a Board paid prescription plan for prescription premiums will be capped at $2,150.00 per year. retirees. 7:10 Effective July 1, 2021 t 2001, if any employee waives health insurance, said employee shall receive a cash payment of $1,000.00 for July 1 through June 30 of each year or prorated for any part thereof. If any employee waives prescription insurance, said employee shall receive a cash payment of $250.00 for July 1 through June 30 of each year or prorated for any part thereof. Employees that choose the Board’s responsibility cash option must reapply each year. Proof of other coverage must be submitted with each request for prescription premiums will be capped at $2,300.00 per yearthe cash option. In addition, the Board shall put in place a Section 125 plan (details included in the Section 125 Addendum). All waivers are subject to the provisions of this Addendum.

INSURANCE PROTECTION. A. The Board As of the beginning of the July 1, 1994 school year, the Board, after agreement with the Association regarding appropriate insurance carriers, shall continue to provide the full premium for N.J. State Health Benefits Plan coverage, or its equivalent for employee, family and eligible dependentshealth care insurance protection designated below. 1. A detailed description of the Plan shall be provided to each employee by the Board. 2. For each employee who remains in the employ of 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, period commencing June 30th July 1st and ending July 1st. When June 30th; when necessary, payment of premiums in on behalf of the employee shall be made retroactively or prospectively to assure uninterrupted participation and coverage. 32. Employee All employees enrolled in the Traditional plan, shall contribute be enrolled in the District’s PPOA or PPOB as of July 1, 2014. Employees currently in the PPOB may have the choice to benefits’ premium costs remain in that plan. All employees shall be enrolled in the Prescription plan which mirrors the SEHBP Direct 10, effective as per New Jersey State Public Law. 4of July 1, 2014. Effective July 1, 20172004, and after thirty (30) days of service, all new employees with a contract of thirty (30) or more hours per week will have PPOA medical coverage up to Family PPOA, with the option of purchasing other benefits offered to other employees of the Board of Education. On reaching the third anniversary of their contracted service, the base plan for all members employee will be the NJ Direct 15/Aetna Freedom 15 Plan. Employees who select a more expensive plan will have dental, vision and prescription added to their type of medical coverage and shall have the option of “buyeither PPOA or PPOB. Effective July 1, 2022, new drivers that possess their CDL with S & P endorsements shall be entitled to receive medical coverage, prescription coverage, dental HMO coverage, and vision coverage with no wait period. Effective July 1, 2022 drivers that do not possess their CDL with S & P endorsmenets shall also be eligible for medical coverage without a 30-up” by paying the difference in premiums between the more expensive plan day waiting period and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan)once they obtain their CDL with S & P endorsmeents are eligible immediately for prescription coverage, dental HMO coverage, and vison coverage. B. The As of the beginning of July 1, 1997 school year, the Board shall provide to each employee a description the health care insurance protection designated below: 1. Provision of the health-care insurance coverage provided under this Article, which program shall include a clear description of conditions and limits of coverage as listed above. C. The Board shall provide for continuance of health-care insurance after retirement on the terms be detailed in the master policies (#0588692- 01/Group Medical Expense Insurance, and contracts #0588692-03/Group Dental Insurance) in accordance with the rules of the carrier, as agreed upon by the Board and the Association. Retiree will pay all costs.Association and shall include: D. The Board shall provide dental plan coverage for the employee only commencing with the 1999- 2000 school year, and family coverage if requested by the employee for the 2000-2001 school year.a. Eligibility - Effective Date E. The Board shall provide one-half of the cost of vision plan coverage for the employee and members of his family commencing with the 1999-2000 school year, if the employee elects such coverage. F. The Board shall provide family prescription coverage with a $10.00 co-pay. The prescription coverage shall provide a premium cap limiting the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019, the Board’s responsibility for prescription premiums will be capped at $1,750.00. Effective July 1, 2020, the Board’s responsibility for prescription premiums will be capped at $2,150.00 per year. Effective July 1, 2021 t the Board’s responsibility for prescription premiums will be capped at $2,300.00 per year.b. Important Information About Your Medical Plan c. Health Maintenance Organization d. Hospital Benefits

INSURANCE PROTECTION. A. The Board shall continue to provide the full health care insurance protection designated herein and shall pay for the premium for N.J. State Health Benefits Plan coverageeach Association member and his/her dependents, or its equivalent for employee, family and eligible dependents.subject to the contributions he/she is required to make pursuant to 1. A detailed description of the Plan shall be provided to each employee by the Board. 2. For each employee full-time member who remains in the employ of the Board for the full complete school year, the Board shall make payment of health care insurance premiums to provide insurance coverage for the full twelve (12) month period, period commencing June 30th September 1 and ending July 1stAugust 30. 2. When Where necessary, payment of premiums in on behalf of the employee Association member and his/her family shall be made paid retroactively or prospectively to assure uninterrupted participation and coverage. 3. Employee Effective July 1, 2011, the Board shall contribute to benefits’ premium costs as per provide healthcare coverage through the New Jersey State Public LawSchool Employees Health Benefits Program (hereinafter referred to as “SEHBP”). If a healthcare insurance program other than the SEHBP is adopted, such a plan shall provide a system of benefits equal to those provided by the SEHBP. 4. Effective July 1, 20172011, the base Board shall establish a Section 125 plan as follows: a) A premium conversion plan will be made available through payroll deduction for all members employees for the amount of their contribution toward medical program premiums. All contributions made through this program are done on a pre-tax basis for federal purposes in accordance with Section 125 laws. b) A flexible spending account plan will be made available through payroll deduction for any annually contracted employee who wishes to direct an annual amount as determined by the NJ Direct 15Board paid over a monthly basis toward uninsured medical/Aetna Freedom 15 Plandental expenses and/or an amount not to exceed that permitted by Section 125 laws for elder/dependent care expenses. Employees who select The Board will develop a more expensive plan form for an annual selection of any interested employee. The annual selection made by an employee cannot be modified during the year. The employee will be responsible for filing for reimbursement for eligible expenses through a third party administrator up to the annual amount specified by the employee. Any funds left over at the end of each year (June 30) will be returned to the Board. The Board shall have the option of “buy-up” by paying right to select the difference in premiums between the more expensive plan third party administrator and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be responsible for the cost of same. All contributions made through this program are done on a pre-tax basis for federal purposes in addition to accordance with Section 125 laws. c) Provided that the employee can show proof of health insurance coverage through another source, the employee may waive said coverage provided in Article VIII(A) above, (i) In that event, the employee will receive compensation of twenty-five percent (25%) of the amount saved by the Board resulting from the employee’s C.78 contributions waiver of coverage or five thousand dollars ($5,000), whichever is less. Such compensation shall be paid twice each school year, with the final paycheck in January and the final paycheck in June. (ii) An employee who waives coverage shall be permitted to immediately resume coverage if the employee ceases to be eligible for other healthcare coverage for any reason, including, but not limited to, the retirement or death of the spouse or divorce. An employee who resumes coverage shall repay, on a pro rata basis, any amount received from the Direct 15/Aetna Freedom 15 plan)Board which represents an advance payment for a period of time during which coverage is resumed. An employee who wishes to resume coverage shall notify the employer in writing and file a declaration with the Division of Pensions and Benefits, in such a form as the Director of the Division of Pensions and Benefits shall prescribe, that the waiver is revoked. B. The Board shall provide to each employee a description of health-dental care insurance protection as contained herein and shall pay the premium for each member and his/her family. Effective July 1, 1995, and annually thereafter, any increase in dental premium for individual, husband and wife, or family coverage provided under this Article, which paid by the Board over and above the base fiscal year 1994-95 shall include a clear description of conditions and limits of coverage as listed above. C. The Board shall provide for continuance of health-care insurance after retirement on the terms detailed in the master policies and contracts agreed upon be borne equally (50%-50%) by the Board and the AssociationEmployee. Retiree will pay all costs1994-95 costs annually – Single $351; Husband and Wife $628; Family $1,069. D. 1. The Board shall provide make premium payments for the dental plan coverage for each calendar year and pro-rated portion thereof during the employee only commencing with the 1999- 2000 school year, and family coverage if requested by the employee for the 2000-2001 school yearterm of this contract. E. The Board shall provide one-half of the cost of vision plan coverage for the employee and members of his family commencing with the 1999-2000 school year, if the employee elects such coverage. F. The Board shall provide family prescription coverage with a $10.00 co-pay. The prescription coverage shall provide a premium cap limiting the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019, the Board’s responsibility for prescription premiums will be capped at $1,750.00. Effective July 1, 2020, the Board’s responsibility for prescription premiums will be capped at $2,150.00 per year. Effective July 1, 2021 t the Board’s responsibility for prescription premiums will be capped at $2,300.00 per year.

INSURANCE PROTECTION. A. The Board shall continue to provide pay the full premium for N.J. cost of the hospital plan providing hospital, medical surgical costs, Rider J coverages and major medical benefits under the New Jersey State Health Benefits Plan coverageProgram, or its equivalent for employeeequal.. B. It is agreed that in the case of new employees, family and eligible dependents. 1. A detailed description of the Plan health insurance protection shall be provided to each employee by as soon as possible consistent with the Board. 2. For each employee who remains in the employ of 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 June 30th and ending July 1st. When necessary, payment of premiums in behalf of the employee shall be made retroactively or prospectively to assure uninterrupted participation and coverage. 3. Employee shall contribute to benefits’ premium costs as per New Jersey State Public Law. 4carrier’s enrollment procedures. Effective July 1, 20172001, employees hired after July 1, 1999 but before July 1, 2003, shall receive Board-paid single coverage in the base P.O.S. plan for all members will be the NJ Direct 15/Aetna Freedom 15 Planfirst two years of employment and then full coverage at any enrollment level in the P.O.S. plan at Board expense. Effective July 1, 2003, employees hired after July 1, 2002, shall receive Board- paid single coverage in the P.O.S. plan for the first year of employment and then full coverage at any enrollment level in the P.O.S. plan at Board expense. Employees who select a more expensive plan will have the option of “buy-up” by paying the difference in premiums between the more expensive plan and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition receiving P.O.S. coverage may buy up to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan). B. The Board shall provide to each employee a description of health-care higher cost insurance coverage provided under this Article, which shall include a clear description of conditions and limits of coverage as listed abovethrough payroll deduction. C. The Board agrees to pay the cost of full coverage of the Pharmaceutical Program. Said plan shall provide for continuance of healthhave a $1.00 generic; $5.00 brand name; and $0.00 mail order co-care insurance after retirement on the terms detailed in the master policies and contracts agreed upon by the Board and the Association. Retiree will pay all costspay. D. The Board shall provide pay for full family coverage of a dental plan under Dental Benefit Management, Inc., or a similar plan mutually agreed to by both parties. In school year 2006-2007 every employee will contribute through payroll deductions $200.00 per year for Dental coverage. Employees willing to drop Dental coverage for the employee only commencing with the 1999- 2000 school year, and family coverage if requested by the employee for the 2000-2001 school yearwill not have to contribute. E. The Board Superintendent shall provide one-half permit representatives of the cost of vision plan coverage Prudential National Income Protection Plan to meet with teachers for the employee purpose of enrolling new members and permitting present members to adjust their coverage’s at faculty meetings on a district or building level at the request of his family commencing with the 1999-2000 school Association. Requests for such meeting shall be made no more than once a year, if . It is agreed that the employee elects such coveragePrudential representative shall be permitted a minimum of twenty (20) minutes for the meeting. F. The Board Any married staff member who has health insurance coverage provided by his or her spouse may, upon presentation of proof of such coverage, request that the insurance coverage otherwise required by this agreement shall provide family prescription coverage with a $10.00 co-paybe canceled. The prescription coverage Such cancellation shall provide a premium cap limiting entitle the employer’s responsibility staff member to a maximum annual premium payment in lieu of health benefits coverage in the sum of $1,500.00 additional compensation per employee. Effective July 1 2019annum to be paid, pro rated and subject to withholding, at the Board’s responsibility for prescription premiums will be capped at $1,750.00. Effective July 1, 2020, the Board’s responsibility for prescription premiums will be capped at $2,150.00 per year. Effective July 1, 2021 t the Board’s responsibility for prescription premiums will be capped at $2,300.00 per end of each contract year.

INSURANCE PROTECTION. A. The Effective July 1, 2020 the Board agrees that for the duration of this agreement it shall provide health benefits comparable to Horizon Direct 20/35. Employees shall continue to provide the full premium for N.J. State Health Benefits Plan coverage, or its equivalent for employee, family and eligible dependents. 1. A detailed description of the Plan shall be provided to each employee by the Board. 2. For each employee who remains in the employ of 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 June 30th and ending July 1st. When necessary, payment of premiums in behalf of the employee shall be made retroactively or prospectively to assure uninterrupted participation and coverage. 3. Employee shall contribute to benefits’ premium costs as per New Jersey State Public Law. 4their health benefits in accordance with the Tier four rates/percentages of P.L. 2011, Chapter 78. Effective July 1, 2017, 2021 the base plan for all members will be the NJ Direct 15/Aetna Freedom 15 Plan. Employees who select a more expensive prescription drug benefit plan will have the option of “buy-up” by paying the difference in premiums between the more expensive plan following copays: $10 Generic/$20 Brand Name/Retail and Direct 15/Aetna Freedom 15Mail Order. (The premium difference or “buy-up” will be in addition One copay per 30 day supply applies to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan)all prescription drugs purchased through retail pharmacies. B. The Effective July 1, 2005 the Board shall provide to each employee will offer Healthcare and Dependent Care reimbursement accounts under a description of health-care insurance coverage provided under this Article, which shall include a clear description of conditions and limits of coverage as listed aboveSection 125 program. C. The Board agrees to provide a family dental plan for all employees in the bargaining unit. Such program shall be the non-deductible UCR Dental Plan V as described by New Jersey Dental Service Plan, Inc. proposal dated January 4,1983. Effective July 1, 2005 orthodontic coverage will be added for dependent children under the age of 19. It will be reimbursed at 50% up to a lifetime maximum of $ 1,500 per child. D. The Board shall provide for continuance of health-care insurance after retirement on the terms detailed in the master policies and contracts agreed upon by the Board and the Association. Retiree will pay The retiree shall be responsible for all costs. D. The Board shall provide dental plan coverage for the employee only commencing with the 1999- 2000 school year, and family coverage if requested by the employee for the 2000-2001 school yearpremium costs involved. E. The Board shall request the carrier to provide one-half to each employee a description of the cost health-care insurance coverage provided under this Article which shall include a clear description of vision plan conditions and limits of coverage for the employee and members of his family commencing with the 1999-2000 school year, if the employee elects such coverageas listed above. F. 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. G. The Board agrees to provide, at no cost to the employee, standard health tests as required of employees to maintain their employment provided said employee avails himself/herself of the program provided by the Board. H The Board shall provide health-care insurance coverage to any employee granted a bona fide sick leave up to a maximum of one (1) year. I. Employees who elect to waive their medical insurance benefits outlined in Article XIV.A. shall be compensated each year two thousand dollars ($2000) for family prescription coverage, one thousand seven hundred fifty dollars ($1750) for husband/wife coverage, and one thousand two hundred fifty dollars ($1250) for parent/child coverage with and nine hundred dollars ($900) for single coverage. Prior to making such an election, employees must provide evidence that they and their families, where appropriate, are covered by a $10.00 co-paymedical insurance policy other than the policy provided by the Board of Education. The prescription coverage Board shall provide a premium cap limiting guarantee that the employer’s responsibility employees may re-enroll in the health plan if they lose their alternative health insurance. The Board shall file the proper petition to comply with applicable tax regulations. In the event there is a maximum annual premium per employee. Effective July 1 2019tax penalty, for the Board's failure to comply, the Board’s Board will assume financial responsibility for prescription premiums will be capped at $1,750.00. Effective July and this provision shall become void. J. As of April 1, 20202005, the insurance benefits set forth in sections A., B., C, and H. are identical to the insurance benefits of other non-certificated employees of the Board’s responsibility . If, during the term of this Agreement, the insurance benefits described in sections A., B., C, and H. above are modified for prescription premiums other non-certificated employees of the Board this Association and the employees it represents will be capped at $2,150.00 per yearaccept the modified insurance coverage without negotiations. Effective July Employees who were hired and qualified for insurance benefits prior to April 1, 2021 t 2005, will continue to be qualified for insurance K. In the Board’s responsibility for prescription premiums event the Board changes insurance carrier(s), it will be capped discuss the change with the association at $2,300.00 per yearleast sixty days in advance.

INSURANCE PROTECTION. A. The Board of Education, for the duration of this Agreement, shall continue to provide the make premium (and other medical benefit plan costs) contributions on behalf of full premium for N.J. State Health Benefits Plan coverage, or its equivalent for employee, family year secretaries and full time secretaries (as defined in Article 12 of this Agreement) (and eligible dependents. 1. A detailed description ) while employed by the District on a regular basis for thirty (30) or more hours per week for one of the Plan following option packages. The secretary shall elect one of the following option packages during the open enrollment period and the decision shall be provided irrevocable for that school year, unless a qualifying life event necessitates change. The secretary and District are bound by certification requirements of the carrier. When employment is interrupted by layoff, discharge, quit, retirement or unpaid leave of absence, all employer paid insurance coverage continues only for the balance of the month in which such termination occurs unless otherwise required by law. If an employee’s spouse works full time and his or her employer offers family group health care coverage to each its employees, the employee by is strongly encouraged to have their spouse take coverage with their employer if out of pocket premium costs or coverage differences do not impose a financial hardship* on the Board. 2individual or family, and cannot be covered as a dependent under the health insurance program. For each An employee who remains may request Unit representation. If the spouse does not have the option of group health care coverage then employee may be eligible to be covered under the health insurance program. Employee will be required to pay the requisite premium cost as described under Article 17 in the employ Master Agreement. Employee will be required to provide annually a truthful statement regarding insurance coverage available through an alternative source. *Financial Hardship to be reviewed by Unit and Administration as needed. Upon submission of the Board for the full school yearwritten application, the Board shall make payment of insurance premiums to provide insurance coverage for the full twelve (12) month period, commencing June 30th and ending July 1st. When necessary, payment of premiums in payments on behalf of the employee and their eligible dependents for mutually agreed upon health insurance coverage. The Board’s contribution for health plan medical benefit costs shall not exceed the following amounts per month. At no time shall the Board’s contribution for health plan medical benefit costs exceed the contribution limits authorized by the State Treasurer under Section 3 of 2011 Public Act 152 (as amended). 2018-2019 Single: $ 488 Two Person: $1,065 Family: $1,275 Any health plan medical benefit costs required to maintain coverage in excess of the Board’s monthly contributions specified above for Plan A shall be made retroactively or prospectively to assure uninterrupted participation the responsibility of the bargaining unit member and coverage. 3shall be payroll deducted from the wages of that individual. Employee The medical benefit plan coverage year shall contribute to benefits’ premium costs as per New Jersey State Public Law. 4run from July 1 through June 30, annually. Effective July 1, 2017, It is acknowledged that the base plan for all members will be the NJ Direct 15/Aetna Freedom 15 Plan. Employees who select a more expensive plan will have the option of “buy-up” by paying the difference in premiums between the more expensive plan and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan). B. The Board shall provide to each employee a description of health-care insurance coverage provided under this Article, which shall include a clear description of conditions and limits of coverage as listed above. C. The Board shall provide for continuance of health-care insurance after retirement on the terms detailed in the master policies and contracts agreed upon monthly amount contributed by the Board (as set forth above) shall first be allocated to the premium (and the Association. Retiree will pay all other medical benefit plan costs. D. The Board shall provide dental plan coverage ) for the employee only commencing health plan with the 1999- 2000 school year, and family coverage if requested by the employee for the 2000-2001 school year. E. The Board shall provide one-half any remaining amount of the cost of vision plan coverage for the employee and members of his family commencing with the 1999-2000 school yearBoard’s designated contribution then allocated to fund a qualifying employer sponsored HSA deductible, if the employee elects such coverageis participating in a CPS HSA eligible high deductible health plan. F. The Board shall provide family prescription coverage with a $10.00 co-pay. The prescription coverage shall provide a premium cap limiting the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019, the Board’s responsibility for prescription premiums will be capped at $1,750.00. Effective July 1, 2020, the Board’s responsibility for prescription premiums will be capped at $2,150.00 per year. Effective July 1, 2021 t the Board’s responsibility for prescription premiums will be capped at $2,300.00 per year.

INSURANCE PROTECTION. A. The Board term "full time" herein shall continue refer to provide all employees covered by the full premium for N.J. State Health Benefits Plan coverage, Agreement who regularly work twenty (20) hours per week or its equivalent for employee, family and eligible dependentsmore. 1. A detailed description of For full time employees the Plan Board shall provide health insurance coverage for the employee and for their eligible dependents. Such coverage shall be provided to each employee by under the Board. 2AmeriHealth Plan as of August 1, 2010 or its equivalent. For each employee who remains in the employ of the Board for the full school year, the Board shall make payment of insurance premiums to provide Health insurance coverage shall be for the full twelve (12) month period, commencing June 30th and ending July 1stperiod each year. 2. When necessary, payment Employees must notify the District Office of premiums any change in behalf dependent status within thirty (30) days of the employee shall be made retroactively change occurring or prospectively to assure uninterrupted participation and coveragethey must reimburse the District the difference in rates for all time they should have been in a lower cost category. 3. Employee shall contribute If the Board desires to benefits’ premium costs change its insurance provider, the Association agrees that it will accept the benefit levels of the State Health Benefits Program in effect at the time of change as per New Jersey meeting the test of equivalent benefit levels. If the Board wishes to switch to a provider other than the State Public LawHealth Benefits Program, benefit levels must be equal to or greater than those existing at the time of change. 4. Effective The spouse of a District employee who is otherwise eligible for any medical insurance coverage under this Article shall not be provided said coverage as long as his/her spouse is covered under a family plan provided by the District. Any spouse covered as of July 1, 20171995 may continue their coverage as long as they are continuously employed. During the year prior to retirement, the base plan spouse may enroll in single coverage if necessary to meet eligibility for all members will be the NJ Direct 15/Aetna Freedom 15 State Retirement Health Plan. Employees who select a more expensive plan will have the option of “buy-up” by paying the difference in premiums between the more expensive plan and Direct 15/Aetna Freedom 15. (The premium difference or “buy-up” will be in addition to the employee’s C.78 contributions on the Direct 15/Aetna Freedom 15 plan). B. The Board will allow employee participation in a qualified IRS Code Section 125 Plan. The Board will not administer the Plan nor will it have any liability nor responsibility regarding the agent or agents administering the Plan. 1. For all full time employees the Board shall provide contribute $700 for 2010-2011 and then $850.00 per year for years 2011-2013 to each the employee's Section 125 Plan. Anyone not having established such a Plan shall not be entitled to the amount specified. 2. Anyone employed for less than a full contact year shall have his/her amount $700 for 2010-2011 and then $850.00 per year for years 2011-2013 pro-rated based on actual time employed. 3. Any employee a description of healthwho does not establish their 125 Plan until later in the contract year, shall have the amount $700 for 2010-care insurance coverage provided under this Article, which shall include a clear description of conditions 2011 and limits of coverage as listed abovethen $850.00 per year for years 2011-2013 pro-rated based on the date their Plan was established. C. The Board An employee may waive medical coverage to which he/she is otherwise entitled by filing a written waiver with the Business Administrator at the beginning of the school year or at the beginning of his/her employment. If an employee waives medical coverage pursuant to this paragraph, he/she shall provide for continuance of health-care insurance after retirement on the terms detailed be entitled to a payment in the master policies amount of $2,500.00 for each contract year. If the waiver does not apply to an entire Contract year, the payment of $2,500.00 shall be pro-rated. This money will be paid to the employee as a choice of Section 125 or to be included in the paycheck as provided in paragraph B above, as the employee chooses in writing, and contracts agreed upon shall be in addition to any other contribution made by the Board and of Education to the Association. Retiree will pay all costsemployee's Section 125 account. D. The Upon retirement from the District employees will be able to maintain family health insurance at Board shall provide dental plan coverage for the employee only commencing with the 1999- 2000 school year, and family coverage if requested cost rates to be paid by the employee for if permitted by the 2000-2001 school yearinsurance carrier at the time of retirement. E. The Board will administer a dental insurance program for all employees covered by this agreement in accordance with the following terms: 1. The dental plan shall be chosen by the Association. The effective date of the dental insurance plan will be from September 1 to August 31. 2. Insurance will be at the employees' expense through payroll deduction. The total dental insurance expense for the entire year (12 months) will be divided between the 20 pay periods from September 15 to June 30. 3. If the Association changes the insurance carrier in subsequent years of this agreement, the Association shall provide one-half notice of the change to the Business Administrator of the school district no later than June 1, immediately preceding the effective date of change. Any employee who desires coverage under the new insurance carrier must execute all enrollment documents not later than the last day of the school year preceding the new commencement date. Any person first employed by the District after the deadlines stated subparagraph shall be required to satisfy the waiting period specified by the insurance carrier chosen by the Association. 4. Employees may elect single or multiple person insurance but cannot change their election at any time other than the enrollment period. 5. The association reserves the right to change the dental insurance carrier if there is a change in the underwriting information or district census. The Board shall be notified, in writing, not later than June 1 of any change in carrier approved by the Association. The Board shall not be required to pay any portion of the cost of vision plan coverage dental insurance for the employee and members of his family commencing with the 1999-2000 school year, if the employee elects such coverageassociation employees. F. 6. The Board shall provide family prescription coverage with a $10.00 co-payand the Association specifically agree that the dental benefit provided by Jefferson Pilot Financial is superior to the dental benefit presently provided by the Board of Education through AFLAC. The prescription coverage Board and the Association further agree that any dental insurance program selected pursuant to the provisions of this paragraph shall provide be better than the dental insurance program, which it replaces. 7. In the event that the dental insurance company selected requires a premium cap limiting minimum number of employees to enroll in the employer’s responsibility to a maximum annual premium per employee. Effective July 1 2019plan and an insufficient number of employees are interested in enrolling, the Board’s responsibility for prescription premiums plan will be capped at $1,750.00. Effective July 1, 2020, the Board’s responsibility for prescription premiums will cancelled until such time as another insurance plan can be capped at $2,150.00 per year. Effective July 1, 2021 t the Board’s responsibility for prescription premiums will be capped at $2,300.00 per yearfound or sufficient employees are interested.