ARTICLE NINE
INSURANCE
Section 9.0 Description of Benefits
Description of benefits provided herein is 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. All benefits covered within this Article shall be
applicable to domestic partner the same as they would be for a spouse.
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:
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After one year of employment - 30% of annual budgeted salary divided by 12.
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After two years of employment - 40% of annual budgeted salary divided by 12.
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After three years of employment - 50% of annual budgeted salary divided by 12.
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After four years of employment - 60% of annual budgeted salary divided by 12.
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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 2009-2011 Health Insurance
Contribution
Effective July 1, 2009, the Board shall contribute toward the premium
of eligible bargaining unit members the full cost of premiums for Faculty
Members having individual 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/domestic
partner 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 2009-2011 Dental Insurance
Contribution
Effective July 1, 2009, the Board shall contribute toward the premium
of eligible bargaining unit the full cost of premiums for members 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/domestic partner 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/Domestic Partner
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/domestic partner to continue in the group health
and dental program provided that the surviving spouse/domestic partner 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).
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