(a) Elected officials, law director, assistant law directors, and all regular full-time employees of the City (excluding seasonal and other temporary employees) are eligible to subscribe to the following:
(1) A group healthcare insurance plan with the schedule of benefits, conditions and limitations in accordance with the terms of the group plan purchased (or plan adopted, if self-funded) at the sole discretion of the City.
(2) The City shall provide a prescription drug plan.
(3) A health maintenance organization (HMO) plan if the City makes one or more such plans available to its employees. Eligible employees may select one plan offered under this subsection and employees obtaining coverage pursuant to this subsection shall not be eligible for coverage under subsections (a)(1) and (2).
(4) The City shall provide a group dental plan with the schedule of benefits, conditions, and limitations in accordance with the terms of the group plan purchased (or plan adopted, if self-funded).
(5) Accidental death and dismemberment insurance coverage in the amount of $12,000, with eligibility and the coverage amount for employees age 65 and older to be in accordance with the terms of the group policy.
(6) Term life insurance coverage in the amount of Twenty Thousand Dollars or one times the employee’s annual base salary, whichever is greater, with eligibility and the coverage amount for employees age 65 and older to be in accordance with the terms of the group policy.
(7) Accidental death benefits, with cardiac malfunction, provided for each part-time and full-time firefighter while in the service of the City, coverage to be in an amount not less than $ 25,000.00.
(b) The City shall make no payment of premium or other charges for the benefit of an employee, after termination of his employment.
(Ord. 07-0-33. Passed 3-20-07.)
(c) The City reserves the right to institute an employee contribution to monthly health insurance premiums.
(Ord. 12-O-29. Passed 3-20-12.)
(d) The City reserves the right to change insurance carrier(s) or self-insure at its discretion, providing such benefits are comparable to those being presently provided.
(e) Regular part-time employees who meet all eligibility requirements may subscribe to one of the medical plans offered by the City if all of the following conditions are met:
(1) The employee must have successfully completed his probationary period, as determined by the City, and must continue to work an average of 50 (fifty) hours per pay period.
(2) All premiums shall be paid 100% by the employee.
(3) The employee must submit payment for each monthly premium by the end of the previous month to ensure coverage for the next month. No invoices or reminders will be sent to the employee by the employer or the insurance company. The employee is wholly responsible for assuring the payment is received by the last day of each month for insurance coverage for the following month. Failure to follow this procedure will result in loss of any and all coverage under this section.
(4) The City reserves the right to discontinue or change insurance carriers at any time.
(5) The employee is responsible for full payment of any increase(s) in premiums.
(6) The employee must abide by all rules of the plan he or she selects.
(7) Should any plan modify its eligibility requirements such that an enrolled employee no longer qualifies to participate in the plan, the City shall in no way be responsible for providing or arranging for alternate coverage. However, the employee shall be given the opportunity to select another plan, subject to that plan's approval and its eligibility requirements.
(8) If the employee does not apply for coverage within thirty (30) days of attaining eligibility for it, a waiting period may be imposed.
(9) The medical plan permits the enrollment of regular part-time employees, provided that said permission of enrollment does not increase the premium rate paid by the City for its covered employees, or cause a reduction in plan benefits, or cause the City to receive any other unfavorable treatment by the medical plan.
(Ord. 07-0-33. Passed 3-20-07.)