ARTICLE XIV - FRINGE BENEFITS

 

 

SECTION A - INSURANCE BENEFITS

 

  1. During the term of this Agreement the Board shall make available group health (medical) insurance through the Northern Illinois Health Insurance Program (NIHIP).  The Board will also make available Dental Insurance, and will provide life and disability insurance. Details of each component are outlined below.

 

  1. During the term of this agreement the Board shall add to the salary of each full-time teacher the sum of $2,500 as an annual fringe benefit allowance.  At the option of the teacher (such to be exercised during the open enrollment period prior to the onset of the insurance plan year or within fifteen (15) calendar days of initial employment, whichever shall first occur), in lieu of such cash payment over the course of the years such teacher may elect health/major medical insurance .

 

During open enrollment, or within 30 days of experiencing a qualifying major life change, full-time teachers and may choose from one of the plans listed below.

 

 SINGLE PLAN            BOARD SHARE          EMPLOYEE SHARE

                         PPO 300                           90%                       10%

               PPO 500                          90%                       10%

                         PPO 750                           95%                         5%

                         PPO 2500                       100%                         0%

                         HMO                              100%                         0%
      

 

FAMILY PLAN   BOARD SHARE        EMPLOYEE SHARE

                         PPO300                            85%                       15%

                         PPO500                            85%                       15%

                         PPO750                            90%                       10%

                         PPO2500                        100%                         0%

                         HMO                              100% (FY 13, 14)       0% (FY 13, 14)
                                                              95% (FY 15, 16)            5% (FY 15, 16)

 

i.              (Part-time teachers pursuant to the provisions of Article XV, Section G.3.(Option for Part-Time Employment) shall have the right to continue on a pro rata cost basis.

ii.             Employees with domestic partners who comply with the Illinois Civil Union Law shall be afforded access to family medical and dental benefits at the premium cost splits outlined above.

 

 3.      The Board will pay the premiums for single or family coverage selected based on the same percentage of the selected health plan as listed in section A.2.b.i.  If an employee does not participate in the medical insurance program but elects dental coverage, the Board will pay 100% of the premium.

 

i.                   The plan will include coverage of dental implants.

ii.                  Any teacher has the right to refuse dental coverage.

 

 4.      The Board shall pay the premiums for group term life insurance equal to two (2) times the teacher's scheduled salary rounded up to the nearest $1,000.  In the event of accidental death, double indemnity shall be paid to the designated survivors.

 

 5.      The Board shall pay the premiums for group long-term disability insurance.  The disability benefit shall be 66-2/3 percent of teaching salary.

 

 6.      The extent of coverage under the insurance policies referred to in this Section shall be governed by the terms and conditions set forth in said policies.  Any questions concerning coverage shall be resolved in accordance with the terms and conditions in said policy.