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Office of the Provost and Executive Vice President for Academic Affairs

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 one 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 Cost of Insurance

The cost of the insurance shall be paid by the Board.

Subdivision 9.13 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 TermDisability

Subdivision 9.21

Eligible unit members 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 66 2/3% 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 six thousand six hundred sixty-six

dollars ($6,666), 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 through social security normal retirement age 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 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 2011-2013 Health Insurance Contribution

Effective July 1, 2011, the Board shall contribute one hundred percent (100%) of the cost of the premium of

eligible Faculty Members who enroll in individual Preferred Provider Organization (PPO) or Health

Maintenance Organization (HMO) coverage. For those eligible Faculty members who enroll in an

individual Comprehensive Major Medical (CMM) coverage, the Board shall contribute the same dollar

amount toward the CMM plan as is contributed for the PPO plan. For those members qualifying for

dependent coverage, the Board shall contribute eighty percent (80%) of the dependent premium cost of the

PPO plan. For those eligible Faculty members who enroll in dependent CMM coverage or dependent HMO

coverage, the Board shall contribute the same dollar amount toward the CMM plan or the HMO plan as is

contributed for the PPO plan.

The balance of the premium costs for single or dependent coverage 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 ninety percent (90%) of the dependent premium cost towards the PPO plan and contribute the

same dollar amount toward the CMM plan and HMO plan.

Current faculty who opt to take the new PPO plan or the HMO plan during an open enrollment period or

qualifying life event are foreclosed from returning to the CMM plan for the duration of their employment at

UNI.

Faculty Members whose effective date of employment commences after June 30, 2011 shall only be eligible

to enroll in the PPO plan or HMO plan coverage.

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 FacultyMember is continuously employed.

Subdivision 9.33 Change in Coverage

The parties agree that there will be no substantial change in the negotiated 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 2011-2013 Dental Insurance Contribution

Effective July 1, 2011, the Board shall contribute one hundred percent (100%) of the cost of the premium of

eligible Faculty members who enroll in individual Plan 1 dental coverage. For those eligible Faculty

members who enroll in individual Plan 2 dental coverage, the Board shall contribute the same dollar amount

toward Plan 2 as is contributed toward Plan 1. For those members qualifying for dependent coverage, the

Board shall contribute the same dollar amount toward 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.

The balance of the premium costs for single or dependent coverage shall be borne by the Faculty member

and paid by payroll deduction.

Dental Plan 2 coverage is only available to employees who enroll in the PPO or HMO health plan. Faculty

members whose effective date of employment commences after June 30, 2011 shall only be eligible to

enroll in dental Plan 2 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 FacultyMember is continuously employed.

Subdivision 9.43 Change in Coverage

The parties agree that there will be no substantial change in the negotiated 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 posttax

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

The University agrees to provide a thirty (30) calendar day open enrollment and change period for health

and dental insurance to be held annually in either the months of October or November 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 premiumpayment for coverage shall be the same as it is for a spouse/dependent(s).