Section 9.0 Description of Benefits
Description of benefits provided herein are intended to be informational only and the language of the insurance contracts established from time to time by the Board shall govern all claims. United Faculty shall be provided a copy of each insurance policy contract issued according to this Article at the beginning of each fiscal year and whenever any change is made in the coverage.

Section 9.1 Group Life Insurance

Subdivision 9.11 Life Insurance
The Board will provide for all eligible unit members life insurance in an amount which is two and one-half times the unit member's budgeted salary to a maximum of two hundred fifty thousand dollars ($250,000), when rounded to the nearest thousand dollars. The life insurance coverage shall reduce five percent (5%) each year on the July 1 coinciding with or next following the attainment of each additional year of age commencing with age sixty-one (61). Changes in the amount of life insurance resulting from a change in annual budgeted salary shall become effective on the date of such change provided the Faculty Member is actively serving on such date; otherwise the change shall occur on the date of return to active service.

Subdivision 9.12 Accidental Death and Dismemberment
The Board will provide for all eligible unit members accidental death and dismemberment insurance which will provide for payment upon the accidental death of the eligible unit member an additional amount equal to the life insurance benefit in Subdivision 9.11. In the case of dismemberment, benefit shall be as provided in the insurance policy.

Subdivision 9.13 Cost of Insurance
The cost of the insurance shall be paid by the Board.

Subdivision 9.14 Eligibility
Eligible unit members, as used in this section, are those who hold a term, probationary, or tenure appointment involving service of half-time or greater for a period of at least nine (9) months (an academic year).

Section 9.2 Long-term Disability

Subdivision 9.21
Eligible unit members following one year of service will have provided to them disability income protection which provides monthly benefits payable for twelve (12) months a year after ninety (90) working days of total disability or the exhaustion of all accrued sick leave, whichever occurs later. If totally disabled, the eligible unit member's monthly income shall be calculated as follows:

• After one year of employment - 30% of annual budgeted salary divided by 12.
• After two years of employment - 40% of annual budgeted salary divided by 12.
• After three years of employment - 50% of annual budgeted salary divided by 12.
• After four years of employment - 60% of annual budgeted salary divided by 12.
• After five years of employment - 70% of annual budgeted salary divided by 12.

The monthly income so determined shall be reduced by any payments for that month for paid sick leave, vacation leave (where eligible), Worker's Compensation benefits, or payments for which the employee or any of her/his dependents are eligible under the Federal Social Security Act because of the unit member's disability; provided, however, that the Social Security benefit reduction shall not be affected by cost of living increases in said Social Security payments. Under no conditions may the unit member's monthly income which accrues under the disability income protection provided by the Board, Social Security, paid sick leave, vacation leave, and Workers Compensation benefits exceed five thousand dollars ($5,000), except FICA cost of living increases shall not be included in the Social Security component. Under this program, TIAA-CREF premiums are continued in force for as long as the disability income is approved. The Board agrees to continue to pay for the health and dental insurance as provided in Sections 9.3 and 9.4 of this article, not to exceed five (5) years from the date of disability. Monthly income payments shall continue during total disability to the June 30 coinciding with or following the attainment of age sixty-five (65) if the said disability began prior to age sixty (60). If disability occurs at age sixty (60) or later, the monthly income payments shall cease after sixty (60) months or on June 30 following attainment of age seventy (70), whichever comes earlier.

Subdivision 9.22 Cost of Insurance
The cost of the insurance shall be paid by the Board.

Subdivision 9.23 Supplemental Disability Insurance
The Board shall make available supplemental disability insurance to faculty employed less than five years. The insurance shall supplement the benefits in Subdivision 9.21. The cost of the supplemental disability insurance shall be borne by the Faculty Member.

Subdivision 9.24 Eligibility
Eligible unit members, as used in this Section, are those who hold a term, probationary, or tenure appointment involving service of half-time or greater for a period of at least nine (9) months (an academic year).

Section 9.3 Health Insurance
The Board agrees during the term of this Agreement to provide group health insurance benefits to eligible bargaining unit members in accordance with the following provisions:

Subdivision 9.31 2001-2003 Health Insurance Contribution
Effective July 1, 2001, the Board shall contribute toward the premium of eligible bargaining unit members the full cost of premiums for Faculty Members having individual coverage or seventy-five percent (75%) of the premium per month for Faculty Members having dependent coverage. The remaining twenty-five percent (25%) of the dependent cost shall be borne by the Faculty Member and paid by payroll deduction. In the event a Faculty Member has a spouse also in the bargaining unit, the Board shall contribute an additional individual contribution toward the purchase of dependent coverage or the seventy-five percent (75%) regular contribution toward dependent coverage, whichever is greater.

Subdivision 9.32 Eligibility
Eligible unit members, as used in this section, are those who hold a temporary, term, probationary, or tenure appointment involving service of half time or greater for a period of at least nine (9) months (an academic year). In the event a temporary Faculty Member initially appointed for a single semester is continued beyond the original appointment for an additional semester(s), such Faculty Member shall be eligible for health insurance contributions effective at the commencement of the second semester to continue as long as the temporary Faculty Member is continuously employed.

Subdivision 9.33 Change in Coverage
The parties agree that there will be no substantial change in the current health insurance coverage during the term of this Agreement except by agreement of the parties.

Section 9.4 Dental Insurance
The Board agrees to provide group dental insurance benefits to eligible unit members in accordance with the following provisions:

Subdivision 9.41 2001-2003 Dental Insurance Contribution
Effective July 1, 2001, the Board shall contribute toward the premium of eligible bargaining unit members the full cost of premiums for Faculty Members having individual coverage. For those members qualifying for dependent coverage, the Board shall contribute the same dollar amount toward such dependent coverage as is contributed for individual coverage. In the event a Faculty Member has a spouse also in the bargaining unit the Board shall contribute an additional individual contribution toward the purchase of dependent coverage.

Subdivision 9.42 Eligibility
Eligible unit members, as used in this Section, are those who hold a temporary, term, probationary, or tenure appointment involving service of half time or greater for a period of at least nine (9) months (an academic year). In the event a temporary Faculty Member initially appointed for a single semester is continued beyond the original appointment for an additional semester(s), such Faculty Member shall be eligible for dental insurance contributions effective at the commencement of the second semester to continue as long as the temporary Faculty Member is continuously employed.

Subdivision 9.43 Change in Coverage
The parties agree that there will be no substantial change in the current dental insurance coverage during the term of this Agreement except by agreement of the parties.

Section 9.5 Pre-tax Benefits

Subdivision 9.51 Payroll Reduction Plan
The University will offer a payroll reduction plan (consistent with Internal Revenue Service Code Section 125 and Internal Revenue regulations) through which Faculty Members may elect, during a designated annual enrollment period, to pay their share of the health and dental premiums with pre-tax rather than post-tax salary dollars.

Subdivision 9.52 Payroll Reduction Plan
The University will provide a payroll reduction program (consistent with Internal Revenue Code Section 129 and Internal Revenue Service regulations) through which Faculty Members may elect to make a pre-tax reduction in wages which will be paid to an account from which allowable dependent care expenses will be reimbursed.

Subdivision 9.53 Medical Expenses Reduction Plan
The University will provide a payroll reduction program (consistent with the Internal Revenue Code and Internal Revenue Service regulation) through which Faculty Members may elect to make a pre-tax reduction in wages which will be paid to an account from which allowable medical expenses will be reimbursed.

Subdivision 9.54 Available Benefits
Prior to the implementation dates of the salary reduction programs the University shall provide written information and employee meetings to provide employees with information concerning available benefits for those employees choosing to enroll in such programs.

Section 9.6 Open Enrollment Period - Health and Dental

Subdivision 9.61
The University agrees to provide a special one-time thirty (30) calendar day open enrollment and change period for health and dental insurance to be held annually during the month of April throughout the term of this Agreement.

Section 9.7 Eligibility of Surviving Spouse
Should a Faculty Member who has dependent health and dental coverage become deceased while covered under the provisions of this Section, the Board agrees to allow the surviving spouse to continue in the group health and dental program provided that the surviving spouse pays the full cost of the monthly premium(s).

Section 9.8 Domestic Partner
A domestic partner shall be eligible for participation in the group health and dental insurance plans. Board contribution towards the premium payment for coverage shall be the same as it is for a spouse/dependent(s). For purposes of this section, the term "domestic partner" shall be as defined by the policy as provided by the University Benefits Office, and to be eligible for the domestic partner benefit, an employee must follow University policy and procedure and execute the affidavit as provided by the University Benefits Office. The University shall develop policies and procedures for such purposes consistent with the provisions of this section. Upon the death of the Faculty Member, a qualifying domestic partner may remain in the group insurance program(s) for a period as prescribed by law by paying the full cost of the premium(s).