HomeMy WebLinkAboutD-2038-11 Amend 2-42 Health InsuranceAN ORDINANCE OF THE COMMON COUNCIL OF THE CITY OF CARMEL,
INDIANA AMENDING CHAPTER 2, ARTICLE 3, DIVISION I1,
SECTION 2 -42 OF THE CARMEL CITY CODE
WHEREAS, the City of Carmel has established a self-insured health insurance
plan, the City of Carmel Employee Health Benefit Plan, for its full -time employees; and
WHEREAS, health insurance costs are a primary concern for employees who are
unable to work due to a disability; and
WHEREAS, the City has established a program to pay the full cost of heath
insurance for those who have been disabled in the line of duty; and
WHEREAS, the current policy does not recognize the complexities of the PERF
retirement and disability system, which is a gateway to the City's health insurance benefit
for those who are disabled.
NOW, THEREFORE, BE IT ORDAINED by the Common Council of the City of
Carmel, Indiana, as follows:
Section 1. The foregoing Recitals are incorporated herein by this reference.
Section 2. Chapter 2, Article 3, Division .I1, 2 -42 is amended to read as
follows:
2 -42 Health Insurance.
(a) Self insurance. There is established a self insurance program for the City for
the purpose of establishing comprehensive medical insurance for qualified City
employees and Carmel -Clay Park Board employees.
(b) Employee insurance. The City will offer one or more plans of medical, dental
and /or vision insurance to its full -time employees. All full -time employees, including
probationary employees, shall be eligible for such insurance coverage after 30 days of
employment with the City. Details regarding medical insurance are set forth in the City of
Cannel Employee Health Benefit Plan "the Plan as amended from time to time.
(c) Insurance premiu»7s. The City shall contribute no less than 75% of the
premiums for single and family coverage, the actual amount to be determined annually
during the budget process, depending on the plan selected by an employee. Employees
will be informed of the City's contribution level no later than November 15 of each year,
to be effective the following January 1.
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Ordinance D- 2038 -11
AS AMENDED
Sponsor: Councilor Rider
Sponsor: Councilor Rider
(d) Parks employees. Ful] -time employees of the Carmel -Clay Parks Board shall
also be eligible for coverage under the City's medical, dental and vision plans, on the
same terms and conditions as City employees. The insurance provider, or third party
administrator in the event the City is self- insured, shall agree in writing on all new plan
inception dates and plan renewal dates that Parks employees are included in such
coverage. The Parks Board shall make the employer contribution for its employees.
(e) Retiree insurance. The City shall contribute 50% of the monthly employee
spouse premium for retirees who have 20 years of active service with the City, plus an
additional 1% for each additional six months of service, up to a maximum of 75% of the
employee only or employee- spouse premium, as applicable, provided that the City's
insurance premium contribution shall not exceed $700 per month or $8,400 per year.
Coverage for other eligible dependents may be continued at the retiree's expense.
Details regarding retiree insurance are set forth in the City of Carmel Guidelines
for Payment of Retiree Insurance Premiums, as amended from time to time. The
Common Council shall review the amount and the terms of retiree insurance
contributions no less frequently than every four years during the year of the general
election of City officials.
(f) Insurance for individuals who die in the line of duty. For an employee who
dies in the line of duty, the City will contribute one hundred percent (100 of the
monthly spouse and dependent (if applicable) medical and dental premiums.
A death must be clearly, directly, substantially and causally related to the
employee's official job duties to be deemed "in the line of duty." For a sworn police
officer or firefighter, this determination shall be made by PERF. For civilian employees,
this determination shall be made at the sole discretion of the City.
Details regarding insurance benefits for the families of those who die in the line
of duty are set forth in the City of Carmel Guidelines For Payment Of Premiums For
Individuals Who .Die Or Who Are Disabled In The .Line Of Duty, as amended from time
to time.
(g) Insurance for disabled individuals. A disabled employee must qualify for a
PERF disability benefit before he or she becomes eligible for the City's benefit. The City
will contribute to a disabled employee's insurance premiums according to the following
formula.
1) For an employee whose disability occurs in the line of duty (i.e., an injury or
an occupational disease that is clearly, directly, substantially and causally related to the
employee's official job duties), the City will contribute one hundred percent (100 of
the employee (and family, if applicable) medical and dental premiums. For a sworn
police officer or firefighter, this benefit pertains to those who are determined by PERF to
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Sponsor: Councilor Rider
have a Class 1 Impairment. For civilians, the City will, at its sole discretion, determine
whether a disability falls into this category.
2) For an employee whose disability is duty related, but not clearly, directly,
substantially and causally related, the City will contribute fifty percent (50 of the
employee (and family, if applicable) medical and dental premiums, provided that the
City's insurance premium contribution shall not exceed $700 per month or $8,400 per
year. For a sworn police officer or firefighter, this benefit pertains to those who are
determined by PERF to have a Class 2 Impairment. For civilians, the City will, at its sole
discretion, determine whether a disability falls into this category.
3) For an employee whose disability does not occur in the line of duty and is
not duty- related, the City will make no health insurance contribution under this section
after employment is terminated. For a sworn police officer or firefighter, this benefit
pertains to those who are determined by PERF to have a Class 3 Impairment. For
civilians, the City will, in its sole discretion, determine whether a disability falls into this
category. However, if the disabled employee has 20 or more years of active service with
the City, he or she will qualify for retiree benefits as described in section (e) above.
4) Eligibility for a disability related premium contribution will end when an
individual is no longer eligible for PERF disability benefits.
5) Details regarding insurance benefits for employees who are disabled in the
line of duty or have a duty related disability are set forth in the City of Carmel Guidelines
For Payment Of Premiums For individuals Who Die Or Who Are Disabled In The Line
Of Duty, as amended from time to time.
(11) Coordination of benefits. An employee who qualifies for an employee
contribution based on years of service and death or disability shall receive the greater of
the benefits described in Sections (e) through (g) above for which he or she is eligible.
(i) Eligibility. Eligibility for the Plan is determined solely by the provisions of the
Plan. Sections (e) through (g) above pertain only to premium contributions and not to
Plan eligibility."
Section 3. This Ordinance shall be in full force and effect on and after its
passage and signing by the Mayor.
Section 4. All prior City ordinances or parts thereof that are inconsistent with
any provision of this Ordinance are hereby repealed as of the effective date of this
Ordinance.
Section 5. if any portion of this Ordinance is declared unconstitutional, invalid
or unenforceable by the valid judgment or decree of any court of competent jurisdiction
such unconstitutionally, invalidity or unenforceability shall not affect any of the
remaining portions of same.
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ASSED by the Common Council of the City of Carmel, Indiana, this Co day of
2011, by a vote of (p ayes and d nays.
ticker, President P
ding Officer
W. Eric Seide
V. Accetturo
Ronald E. Carter
ATT.' ST:
COMMON COUNCIL FOR THE CITY OF CARMEL
4
Diana L. Cordray, IAMC, Cl -Treasurer
Approved by me, Mayor of the City of Carmel, Indiana, this day of.-
2011, at': S3
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ernpore K vin Rider
2011, at la: IS P.M.
Diana L. Cordray, IAM.C, Cler reasurer
Prepared by: Barbara A. Lamb, Dirt t)r of'Human Resources
Sponsor: Councilor Rider
Presented by me to the Mayor of the City of Carmel, Indiana this 11 day of
Diana L. Cordray, IAMC, Clerk
Jamb` Brainard, Mayor
asurer