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 - 14% of annual budgeted
 salary divided by 12.
 
     After two years of employment - 28% of annual budgeted
 salary divided by 12.
 
     After three years of employment - 42% of annual budgeted
 salary divided by 12.
 
     After four years of employment - 56% 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 three
      thousand four hundred dollars ($3,400), 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).