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Another chapter for Embarassment Steve.

ARTICLE XIII

SECTION 1. MEDICAL INSURANCE, PHYSICIAN’S SERVICE

Effective on July 1, 2005, all active duty employees shall contribute $11.00 weekly to the cost of their health insurance on a pre-tax basis, and shall be required to pay an emergency room co-pay of $100 if not admitted. This clause shall not apply to retirees. Effective on July 1, 2009, all active duty employees shall contribute $14.00 weekly to the cost of an Individual health insurance plan and $28.00 weekly for a Family health

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insurance plan.

a. The City agrees to provide primary health insurance coverage, including family coverage for eligible employees, under the plan known as Healthmate 2000 Coast to Coast, or a similar comparable health insurance plan whose benefits shall be compa-rable to those listed in Exhibit A attached hereto. The City shall also provide second-ary health insurance coverage under the Rhode Island Hospital Service Corporation (Blue Cross Classic) in its Semi-Private Plan and the full cost of family coverage under the Blue Shield plan “100” and the full cost of family coverage under the Blue Cross Major Medical plan with coverage for $1,000,000.00 with the Managed Benefit Program (MBP) for the period from 7/1/99 to 6/30/2002 for all employees covered by this Agreement subject to the rules and regulations of those corporations. From 7/1/99 to 6/30/2002 if the City desires to insure such benefits with a private insurance carrier, the benefits, which are listed in Exhibit B attached hereto, will be at least equal to those provided by the foregoing plan. In the case of an unmarried em-ployee, the City agrees to assume the full cost for individual members under such plans. Effective July 1, 1989, the major medical rider increases from $250,000 to $1,000,000 and 120 days increased to 365 days, and a prescription benefit plan will be added. Employees covered by the secondary coverage as listed above will be allowed to remain in that plan unless they switch to the primary coverage. However, no employee, including new employees, may enter the secondary coverage plan after 7/1/99.

b. Commencing July, 1980, the City shall amend its Blue Cross Classic coverage to include the student rider to age twenty-five (25); the cost to be borne by the City.

c. Commencing July 1, 1981, the City shall provide and pay for, at its expense, Delta Dental(or equivalent) Level I, family or individual coverage as the employee may select.

Commencing October 1, 1982, the City shall provide and pay for, at its expense, Delta Dental (or equivalent) Level II, family or individual coverage as the employee

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may select.

Commencing January 1, 1984, the City shall provide and pay for, at its expense, Delta Dental (or equivalent) Level III, family or individual coverage as the employee may select. The City shall provide and pay for, at its expense, dental insurance coverage provided by an insurer of the City’s choice, providing said insurance is similar in coverage to Delta Dental Level III, family.

d. Commencing January 1, 1983, the City shall provide and pay for, at its expense, the Blue Cross - Blue Shield medical emergency rider for full family or individual cover-age as the employee may select.

e. Commencing January 1, 1986, the City shall provide and pay for, at its expense, Delta Dental (or equivalent) Level IV Family, ONE THOUSAND DOLLAR ($1,000.00) limit.

In addition, the City shall increase the limit of coverage on Level I, II and III, Family or Individual, to TWO THOUSAND DOLLARS ($2,000.00) per calendar year.

f. Commencing July 1, 1986, the City shall provide and pay for, at its expense, the Blue Cross-Blue Shield Vision Care Rider for Full Family or Individual Coverage as the employee may select.

g. The City shall provide and pay for, at its expense, Blue Cross - Blue Shield medical insurance with Managed Benefit Program (MBP) starting 7/1/87-6/30/88, for all em-ployees who retire from the Department after July 1, l983, for family or individual coverage as the employee may select, until such time as said employee or his/her spouse shall become eligible for Medicare or until such time as said employee or his/her spouse obtains equal or better coverage. Effective July 1, 2002, retirees and their spouses, upon attainment of age sixty-five (65) shall be enrolled in Blue Cross Plan 65 with regulation 46 and major medical part B (prescription drugs, etc.) with an additional policy to maintain family coverage as needed. Upon submission of proof of enrollment in Medicare in June and December of each year, the City shall reimburse the part B Medicare cost to retirees.

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h. For all employees retiring on or after July 1, 1994, the City agrees to allow such retirees to purchase, at their own expense, the Medicare Supplement Plan known as Plan 65 through the City’s plan. Such purchases may be deducted from the retiree’s pension payments.

SECTION 2. LIABILITY INSURANCE

The City agrees that any employee who is called back to duty shall be considered for all purposes as in the employ of the City from the time the employee received the call back to duty until he or she is officially released from duty by his or her superior officer.

In the event any employee covered by this Agreement is sued in any civil proceeding as a result of action performed by said employee in the performance of his or her duties as an employee of the Warwick Fire Department, the City of Warwick agrees to provide such employee with all necessary legal assistance and further agrees to pay any judgment rendered against such employee in any such proceeding; provided, however, that the City shall have the right to deny all or a portion of the benefits under this section if it determines that the employee acted outside the scope of his or her employment.

SECTION 3. LIFE INSURANCE

If at any time the City of Warwick amends the present ordinance providing for life insurance of FIVE THOUSAND ($5,000.00) DOLLARS for any employee of the Fire Department who may be killed in the line of duty downward, the City hereby guarantees by this provision to pay said employee’s designated beneficiary a death benefit equal to FIVE THOUSAND ($5,000.00) DOLLARS.

In the event of the death of an active duty or retired employee, his/her spouse will be provided with any health or dental insurance to which he or she was eligible to receive prior to the employee’s death. If the widow/widower remarries or has comparable health insurance coverage available elsewhere, this provision shall not apply.

SECTION 4. TERM LIFE INSURANCE

Commencing July 1, 1996, all employees covered by this Agreement shall be insured by the City for a Term Life Insurance Policy in the amount of FIFTY THOUSAND

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($50,000) DOLLARS, the premium thereof to be paid by the City. Also, effective July 1, 1996, the City shall allow retirees to purchase said insurance through a deduction from their pension check, at the retiree’s cost as determined by the City’s term life insurance carrier.

This policy shall be in addition to the Life Insurance provided for in Section 3 above.

ARTICLE XIV

SECTION 1. PENSION PAYMENTS

a. In the event contributions by the members of the Fire Department to the present pension system are increased beyond the six (6%) percent contribution during the term hereof, the City of Warwick agrees to pay the difference between said six (6%) percent and the increased percentage, provided the Pension Fund benefits have not been increased over those presently in force on the date of this Agreement. Upon the plan being qualified by Internal Revenue Service and due to benefit improve-ments granted on July 1, 1989, the employee contribution will be increased from the aforementioned 6% to 7%. The seven (7%) percent contribution rate will be the sole responsibility of the employee. Effective on July 1, 2005, the contribution shall be increased to eight (8%) percent, and shall be reduced to 7% on September 19, 2005.

b. The City agrees to amend the pension plan under City code, Article IV as of the date of this agreement as set forth in Section 7-76 (a) and (b) of the said article as it is written as of the date of this agreement and which is incorporated herein and made a part of hereof.

SECTION 2. VESTING

1. Vesting

Upon the completion of ten (10) years of service, an employee shall become vested in the pension and at that time shall be eligible for a benefit of 25% of his or her highest salary while employed.

2. Payments

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Payments of said pension shall commence upon the date that the employee would have completed 20 years of service under the provisions of the pension ordinance, had the employee continued as a member of the Fire Department.

3. Employees With More Than 10 Years Of Service

Any employee who retires with more than 10 years of service, but less than 20 years of service, shall be eligible for a benefit at the percentage of his or her highest salary as follows:

Completed Years Of Service Percentage Of Highest Salary

11 27.5

12 30.0

13 32.5

14 35.0

15 37.5

16 40.0

17 42.5

18 45.0

19 47.5

4. No Other Benefits

Employees with less than 20 years of service who retire shall not receive paid health insurance coverage and there will be no escalation of pension benefits when salary increases are granted to active members of the Fire Department.

5. Optional Retirement Benefits for Employees Hired Before May 28, 1992.

Effective July 1, 1996, employees who were hired prior to May 28, 1992, may elect to

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retire under the provisions of Section 5 of this Article. Once such an election is made, it is irrevocable. The City will arrange to modify the pension ordinances to reflect the availability of this option.

From: Mayor touts city's financial position

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