Common use of INSURANCE PROTECTION Clause in Contracts

INSURANCE PROTECTION. The Board shall provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho

INSURANCE PROTECTION. A. The Board shall provide twelve-month coverage for all without cost to the bargaining unit members through member XXXXX-XXXXXX for a full twelve (12) month period for the bargaining unit member and his/her dependents. The Employer shall sign an Employer participation agreement. The Association will review the composition of the Plan A and Plan B paks each year and the Professional Governance Council will review the changes before implementation. Insurance coverage will remain MESSA Choices II for the duration of this agreement. An insurance committee will be formed through PGC to review potential alternatives for health insurance for subsequent years. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap monthly copays of $40 for full families (annually determined by the legislature) 3 or more), $30 for two person coverage, and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs$20 for single person coverage. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK PLAN A: HEALTH: • For employees needing health insurance MESSA ABC1 Choices II Long Term Disability 60% $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 5,000 maximum • 90 Calendar Days Modified Wait • calendar days - modified fill Freeze on offsets Pre-existing condition waiver • Alcoholism/drug same as any other illness Mental/nervous same as any other illness Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 PLAN B: For employees not needing health insurance Long Term Disability 66.7% $5,000 maximum 90 calendar days - modified fill Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same drug same as any other illness • Mental/Nervous – Same nervous same as any other illness NEGOTIATIED LIFE – Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 Bargaining unit members not electing XXXXX-XXX Plan A will select XXXXX-XXX Plan B plus receive eighty (80%) percent of the MESSA Choices II single subscriber amount less the employers amount for FICA and less the single person subscriber copay of $20 to be applied to a MESSA nontaxable variable option package (Board paid life insurance is not to exceed the IRS regulation total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho$50,000) and/or tax deferred annuity plan of the employee's choice. Teachers working half time will be eligible for half benefits. Health insurance will be provided to high school completion and summer school instructors based upon the following schedule:

INSURANCE PROTECTION. The A. Upon receipt of written application, the Board shall agrees to provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and 80% toward the cost of the selected health insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costspremium and 20% paid by the employee. The amount will 20% employee contribution shall be withheld over 21 or 26 pays in with pre-tax dollars through using the District’s Section 125 plan. Plan I MESSA Choices II Health insurance, SaverRx with a Cafeteria $500/$1000 yearly deductible and $20 office visit co-pay. (Note: The two riders are already included in Choices II.) Long Term Disability 66 2/3% $5,000monthlymaximum 90 calendar days modified fill Freeze on offsets Alcoholism/drug 2 years Mental/nervous same as any other illness Dental insurance generally equivalent to Delta Dental - Class I at 100%, Class II at 80%, Class III at 80%, $1000 annual max; Class IV at 80%: Lifetime Maximum of $2,000 Negotiated Life $50,000AD&D Vision insurance VSP-2 Silver Dependent Life $10,000 spouse / $5,000 Child(ren) Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. II MESSA ABC Plan I $1250/$2,500 deductible The membership is responsible for District shall pay 80% of the total cost of the medical MESSA Pak C health premium described below and provide 50% of the annual deductible funding to the employee’s “Health Equity” Health Savings Account for each plan that exceeds year and deductible year. The employee’s premium contribution will be payroll deducted through a qualified Section 125 Plan in equal bi-weekly amounts from the annually adjusted hard cap employee’s first paycheck. Employee may contribute, through payroll deduction and electronic transfer additional money towards their “Health Equity” Health Savings Account up to the maximum amounts allowed by Federal Law. The District’s Section 125 Plan shall include the state provisions necessary for pre-tax contributions to employee’s HSA accounts administered through Health Equity. In the event the employee electing MESSA Pak A is not qualified for a Health Savings Account for any of Michiganthe months of the deductible plan year, the employer shall contribute the negotiated amount of funding to a “Health Equity” Health Savings Account for their qualified spouse or designated dependent if the spouse is also ineligible. These dollars will be deducted through payroll deductionThe Employer shall fund annually, the employer’s entire annual obligation to the agreed upon “Health Equity” Health Savings Account, on January 1, of each year. PAK A: HEALTH: • MESSA ABC1 Long Term Disability 66 2/3% $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 5,000monthlymaximum 90 Calendar Days Modified Wait • Pre-existing condition waiver • calendar days modified fill Freeze on offsets • Alcoholism/Drug – Same drug 2 years Mental/nervous same as any other illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Dental insurance generally equivalent to Delta Dental - Class I at 100%, Class II at 80%, Class III at 80%, $1000 annual max; Class IV at 80%: Lifetime Maximum of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80$2,000 Negotiated Life $50,000AD&D Vision insurance VSP-2 Silver Dependent Life $10,000 spouse / $5,000 Child(ren) Plan III Dental insurance generally equivalent to Delta Dental - Class I: $ 2,000 with Adult Ortho PAK B100%, Class II: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total 80%, Class III: 80%, $1000 annual max; Class IV: 80%, Lifetime Maximum of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits$2,000. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be Vision insurance VSP-3 Gold Negotiated Life $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 50,000AD&D Dependent Life $2000/$4000 Deductible (Optional: District prefunded HSA$950/$190010,000 spouse / $5,000 Child(ren) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70Long Term Disability 66 2/3% of salary • $6,000 maximum • 5,000monthlymaximum 90 Calendar Days Modified Wait • Pre-existing condition waiver • calendar days modified fill Freeze on offsets • Alcoholism/Drug – Same drug 2 years Mental/nervous same as any other illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult OrthoCASH-IN LIEU- The single subscriber rate for the health insurance will be provided to teachers selecting Plan III.

INSURANCE PROTECTION. The A. Upon receipt of written application, the Board shall agrees to provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and 80% toward the cost of the selected health insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costspremium and 20% paid by the employee. The amount will 20% employee contribution shall be withheld over 21 or 26 pays in with pre-tax dollars through using the District’s Section 125 plan. Plan I MESSA Choices II Health insurance, SRX Mail with a Cafeteria $500/$1000 yearly deductible and $20 office visit co-pay. (Note: The two riders are already included in Choices II.) Long Term Disability 66 2/3% $5,000monthlymaximum 90 calendar days modified fill Freeze on offsets Alcoholism/drug 2 years Mental/nervous same as any other illness Dental insurance generally equivalent to Delta Dental - Class I at 100%, Class II at 80%, Class III at 80%, $1000 annual max; Class IV at 80%: Lifetime Maximum of $2,000 Negotiated Life $50,000AD&D Vision insurance VSP-2 Silver Dependent Life $10,000 spouse / $5,000 Child(ren) Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. II MESSA ABC Plan I $1350/$2,700 deductible The membership is responsible for District shall pay 80% of the total cost of the medical MESSA Pak C health premium described below and provide 50% of the annual deductible funding to the employee’s “Health Equity” Health Savings Account for each plan that exceeds year and deductible year. The employee’s premium contribution will be payroll deducted through a qualified Section 125 Plan in equal bi-weekly amounts from the annually adjusted hard cap employee’s first paycheck. Employee may contribute, through payroll deduction and electronic transfer additional money towards their “Health Equity” Health Savings Account up to the maximum amounts allowed by Federal Law. The District’s Section 125 Plan shall include the state provisions necessary for pre-tax contributions to employee’s HSA accounts administered through Health Equity. In the event the employee electing MESSA Pak A is not qualified for a Health Savings Account for any of Michiganthe months of the deductible plan year, the employer shall contribute the negotiated amount of funding to a “Health Equity” Health Savings Account for their qualified spouse or designated dependent if the spouse is also ineligible. These dollars will be deducted through payroll deductionThe Employer shall fund annually, the employer’s entire annual obligation to the agreed upon “Health Equity” Health Savings Account, on January 1, of each year. PAK A: HEALTH: • MESSA ABC1 Long Term Disability 66 2/3% $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 5,000monthlymaximum 90 Calendar Days Modified Wait • Pre-existing condition waiver • calendar days modified fill Freeze on offsets • Alcoholism/Drug – Same drug 2 years Mental/nervous same as any other illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Dental insurance generally equivalent to Delta Dental - Class I at 100%, Class II at 80%, Class III at 80%, $1000 annual max; Class IV at 80%: Lifetime Maximum of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80$2,000 Negotiated Life $50,000AD&D Vision insurance VSP-2 Silver Dependent Life $10,000 spouse / $5,000 Child(ren) Plan III Dental insurance generally equivalent to Delta Dental - Class I: $ 2,000 with Adult Ortho PAK B100%, Class II: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total 80%, Class III: 80%, $1000 annual max; Class IV: 80%, Lifetime Maximum of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits$2,000. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be Vision insurance VSP-3 Gold Negotiated Life $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 50,000AD&D Dependent Life $2000/$4000 Deductible (Optional: District prefunded HSA$950/$190010,000 spouse / $5,000 Child(ren) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70Long Term Disability 66 2/3% of salary • $6,000 maximum • 5,000monthlymaximum 90 Calendar Days Modified Wait • Pre-existing condition waiver • calendar days modified fill Freeze on offsets • Alcoholism/Drug – Same drug 2 years Mental/nervous same as any other illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult OrthoCASH-IN LIEU- The single subscriber rate for the health insurance will be provided to teachers selecting Plan III.

INSURANCE PROTECTION. A. The Board shall provide twelveXXXXX-XXX for a full twelve (12) month coverage period for all the bargaining unit members through XXXXX-XXXmember and his/her dependents. The Employer shall sign an Employer participation agreement. Insurance coverage will remain MESSA Choices II for the duration of this agreement. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay twenty percent (20%) of the difference between the hard cap (annually determined by the legislature) and the total cost of the selected insurance premium for the level of coverage provided to the bargaining unit member for payroll deduction through a section 125 premium contribution plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B employer shall receive a cash option in lieu of health benefits. The Board shall develop and implement adopt a qualified plan document which complies with Section 125 section of the Internal Revenue Codeinternal revenue code. The amount of the cash payment shall be PLAN A: For employees needing health insurance MESSA Choices II HEALTH $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes 10 XX/$00 XX/$00 ER $200/$400 Deductible $10/$20 Prescription Rider Long Term Disability 60% $5,000 maximum 90 calendar days - modified fill Freeze on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • offsets Pre-existing condition waiver • Alcoholism/drug same as any other illness Mental/nervous same as any other illness Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 PLAN B: For employees not needing health insurance Long Term Disability 66.7% $5,000 maximum 90 calendar days - modified fill Freeze on offsets • Pre-existing condition waiver Alcoholism/Drug – Same drug same as any other illness • Mental/Nervous – Same nervous same as any other illness NEGOTIATIED LIFE – Cost of living benefit Delta Dental 75/50/75: $2,000 with adult ortho Class 1 and 2 at $2,000 Negotiated Life $50,000 AD&D Vision VSP-3 Bargaining unit members not electing MESSA Plan A will select MESSA Plan B plus receive eighty (80%) percent of the MESSA Choices II single subscriber amount less the employer’s amount for FICA and less twenty percent (20%) of the total cost of the MESSA single subscriber health rate to be applied to a MESSA nontaxable variable option package (Board paid life insurance is not to exceed the IRS regulation total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho$50,000) and/or tax deferred annuity plan of the employee's choice. Teachers working half time will be eligible for half benefits. Health insurance will be provided to high school completion and summer school instructors based upon the following schedule:

INSURANCE PROTECTION. The A. Upon receipt of written application, the Board shall agrees to provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap eighty percent (annually determined by the legislature80%) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for toward the cost of the medical health plan that exceeds the annually adjusted hard cap allowed insurance premium and twenty percent (20%) paid by the state of Michiganemployee. These The twenty percent (20%) employee contribution shall be with pre-tax dollars will be deducted through payroll deductionusing the District’s Section 125 plan. PAK AEditorial: HEALTH: • The plans/benefits have not changed only the naming has changed. Plan I MESSA ABC1 Choices 9T Medical insurance, SRX Mail with a $1350/$2700 Deductible (Optional: District prefunded HSA 500/$1000 yearly deductible and $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 22564320 office visit co-pay. Long Term Disability 66 2/3% $5,000monthlymaximum 90 calendar days modified fill – LONG TERM DISABILITY Social Security – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Family Freeze, COLA No Alcoholism/drug 2 years limitations Mental/nervous same as any other illness Pre-existing condition waiver • Conditions–Waived Dental insurance generally equivalent to Delta Dental - Class I at 100%, Class II at 80%, Class III at 80%, $1000 annual max; Class IV at 80%: Lifetime Maximum of $2,000 Rider for 2 cleanings Negotiated Life $50,000AD&D Vision insurance VSP-2 Silver Dependent Life $10,000 spouse / $5,000 Child(ren) Plan II MESSA ABC Plan I $1400/2800 deductible The Board shall pay eighty percent (80%) of the total cost of the MESSA Plan II medical premium described below and provide fifty percent (50%) of the annual deductible funding to the employee’s “Health Equity” Health Savings Account for each plan year and deductible year. The employee’s premium contribution will be payroll deducted through a qualified Section 125 Plan in equal bi-weekly amounts from the employee’s first paycheck. Employee may contribute, through payroll deduction and electronic transfer additional money towards their “Health Equity” Health Savings Account up to the maximum amounts allowed by Federal Law. The District’s Section 125 Plan shall include the provisions necessary for pre-tax contributions to employee’s HSA accounts administered through Health Equity. In the event the employee electing MESSA Plan 1 is not qualified for a Health Savings Account for any of the months of the deductible plan year, the employer shall contribute the negotiated amount of funding to a “Health Equity” Health Savings Account for their qualified spouse or designated dependent if the spouse is also ineligible. The Employer shall fund annually, the employer’s entire annual obligation to the agreed upon “Health Equity” Health Savings Account, on January 1, of each year. Long Term Disability 66 2/3% $5,000monthlymaximum 90 calendar days modified fill Freeze on offsets • Alcoholism/Drug – Same drug 2 years Mental/nervous same as any other illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Dental insurance generally equivalent to Delta Dental - Class I at 100%, Class II at 80%, Class III at 80%, $1000 annual max; Class IV at 80%: Lifetime Maximum of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80$2,000 Negotiated Life $50,000AD&D Vision insurance VSP-2 Silver Dependent Life $10,000 spouse / $5,000 Child(ren) Plan III Dental insurance generally equivalent to Delta Dental - Class I: $ 2,000 with Adult Ortho PAK B100%, Class II: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total 80%, Class III: 80%, $1000 annual max; Class IV: 80%, Lifetime Maximum of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits$2,000. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be Vision insurance VSP-3 Gold Negotiated Life $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 50,000AD&D Dependent Life $2000/$4000 Deductible (Optional: District prefunded HSA$950/$190010,000 spouse / $5,000 Child(ren) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70Long Term Disability 66 2/3% of salary • $6,000 maximum • 5,000monthlymaximum 90 Calendar Days Modified Wait • Pre-existing condition waiver • calendar days modified fill Freeze on offsets • Alcoholism/Drug – Same drug 2 years Mental/nervous same as any other illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total CASH-IN LIEU- Eighty percent (80%) of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthothe single subscriber rate for the medical insurance will be provided to employees selecting Plan III.

INSURANCE PROTECTION. 10.1 The Board agrees to furnish to all teachers desiring it, the following MESSA Choices II insurance protection: Plan A MESSA Choices II (For teachers electing health coverage) Prescription drug coverage: 2009-2010: $10 Rx with Reimbursement to $5/$10 Rx Language The Employer shall provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay reimburse the difference between for each prescription co-pay for the hard cap (annually determined by $10 Rx plan as follows: $5/up to a 34-day supply; $15/90-day supply; $18/90-day supply mail order. 2010-2011: $10 Rx with Reimbursement to $5/$10 Rx Language The Employer shall reimburse the legislature) and difference for each prescription co-pay for the cost $10 Rx plan as follows: $5/up to a 34-day supply; $15/90-day supply; $18/90-day supply mail order. Effective June 1, 2011: • Addition of a $200/$400 deductible with full district reimbursement to members • $10/$20 Rx per Master Agreement • $10 office call 2011-2012: $10/$20 Rx with Reimbursement to $5/$10 Rx Language The Employer shall reimburse the selected insurance plandifference for each prescription co-pay for the $10/$20 Rx plan as follows: Generic: Name Brand: Up to 34-day supply $5 $15 90-day supply $15 $35 90-day supply mail order $18 $38 Effective September 1, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will 2011: Annual premium share contribution shall be withheld over 21 or 26 pays in at the following pre-tax dollars through a Cafeteria Plan 125 – Election Agreement levels: Single Subscriber $1,040 Two-Person $1,300 Full Family $1,690 Pak B $ 312 Long Term Disability 70%, $5,000 monthly maximum income benefit $7,143 maximum monthly salary 120 calendar days modified fill, 2 years own occupation Offset of other income - family, 5% minimum payout Freeze on offsets Alcoholism/drug addiction and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • mental/nervous same as any other illness Maternity coverage and rehabilitation benefit - standard COLA Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Delta Dental 100% Class IA : 90% Class IB, 90% Class II, 90% Class III $1,000 Class I&II yearly maximum, $1,500 ortho lifetime maximum Rider: basic coverage Negotiated Life $30,000 AD & D Vision VSP III Plus Plan B (For teachers not electing health coverage.) Same as any illness • Mental/Nervous – Plan A Dental Same as any illness NEGOTIATIED LIFE – Plan A total of $ Vision Same as Plan A Negotiated Life $50,000 with A D AD & D VISION – VSP 3Plus DENTAL – 80/80/80: $ Dependent Life $2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be spouse/ $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthochild

INSURANCE PROTECTION. The Board of Education shall provide twelve-month coverage for all provide, without cost to the bargaining unit members member, the MESSA PAK described below for a full twelve (12) month period for each year of this Agreement for the bargaining unit member and his/her eligible dependents as defined by MESSA, including sponsored dependents. Effective August 1, 2011 each bargaining unit member will contribute a monthly co-pay equal to 10% of the cost of the monthly premium for both Plan A and Plan B as described below. The Board agrees to establish a qualified Section 125 Plan to allow employees to pay this co-pay through XXXXXa pre-XXXtax payroll deduction. Bargaining unit members electing health insurance shall have a choice receive Plan A of participating in the MESSA PAK Awhich shall include the following benefits effective August 1, PAK B or PAK C. GEA members will pay the difference between the hard cap 2011: Plan A Health MESSA Choices II $20 office visit $200/400 deductible (annually determined fully reimbursed by the legislatureDistrict) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount SAVER Rx Prescription Card (Brand name prescriptions costing $40 for 30 day supply will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed reimbursed to $20 by the state of Michigan. These dollars District; and Brand name prescriptions costing $80 for a 90 day supply will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 reimbursed to $1350/$2700 Deductible (Optional: District prefunded HSA 40 by the District.) Life Insurance $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 20,000 AD & D Long Term Disabiltiy 70% of salary • $6,000 3,000 maximum • 90 Calendar Days Modified Wait • - modified fill Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • limits waived Minimum payout - 5% Mental/Nervous – Same - same as any other illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – Alcohol/Drug - same as any other illness Vision VSP 3Plus DENTAL – 80/80/80: $ 2,000 2 Dental (100:90/90/90:$1,500) with Adult Ortho PAK B: LONG TERM DISABILITY – Class I, II, III Maximum $1,000 Plan B (for those employees not electing health insurance) Long Term Disability same as above NEGOTAITED LIFE – A total of $ 50,000 with A D Negotiated Life $20,000 AD & D VISION – VSP 3+ DENTAL – 80/80/80/Vision VSP-3 Dental (100:90/90/90: $ 2, 000 $1,500) with Adult Ortho Persons choosing PAK B shall receive Class I, II, III Maximum $1,000 The Board agrees to establish a cash option qualified Section 125 Cafeteria Plan and upon application by employees not taking health insurance, agrees to pay $400 per month in lieu of health benefitsinsurance. The Board shall develop and implement a qualified plan document which complies with Section 125 Said amount may be used to purchase any of the Internal Revenue CodeMESSA variable options and/or annuities, or may be taken as cash. The Any amount of exceeding the cash payment employer subsidy shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthopayroll deducted.

INSURANCE PROTECTION. A. The Board shall provide twelvepay 88.75% of the premium cost in 2011-12, 85% in 2012-13, and 80% in 2103-14 for full- time teachers, MESSA PAK Plan A or Plan B protection for a full twelve (12) month coverage period for all bargaining unit members through XXXXX-XXXthe teacher and his/her eligible dependents as defined by MESSA and its underwriter. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined Plan A - For Employees Needing Health Insurance Major Medical Choices II Saver Rx $500/$1000 Deductible reimbursed by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK ABoard* $20 OV Long Term Disability: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • Max Eligible Salary Maximum Monthly Benefit $6,000 maximum • 5,000.00 Maximum Eligible Monthly Salary $7,143.00 90 Calendar Days Modified Straight Wait • Pre-existing condition waiver • Freeze on offsets • Elimination Period Mental/Nervous Two Years Alcoholism/Drug – Same as any illness • Two Years Family Social Security Offset Life Insurance $20,000.00 Accidental Death & Dismemberment $20,000.00 Vision VSP-2 Delta Dental 75% 75% 60% Class I, II, III Annual Maximum $1,000.00 75% Class IV Lifetime Maximum $1,200.00 Two Cleanings Per Year Plan B - For Employees Not Needing Health Insurance Long Term Disability: 70% of Max Eligible Salary Maximum Monthly Benefit $5,000.00 Maximum Eligible Monthly Salary $7,143.00 90 Calendar Days Straight Wait Elimination Period Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Two Years Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Two Years Family Social Security Offset Life Insurance $30,000.00 Accidental Death & Dismemberment $30,000.00 Vision VSP 3 Dental 80% 80% 80% Class I, II, III Annual Maximum $1,000.00 80% Class IV Lifetime Maximum $1,300.00 Two Cleanings Per Year *Deductible not reimbursed in 2013-14. The parties agree that it is in the best interest of $ 50,000 both parties to annually study and/or adjust health insurance benefit levels and options. Any adjustments shall be made with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthomutual agreement of both parties and shall not constitute an amendment to or an opening up of the Master agreement.

INSURANCE PROTECTION. The Board shall provide twelve-month coverage for all to the bargaining unit members through XXXXXmember the MESSA Choices II (as outlined in Plan A and B below) for a full (12) month for each fulltime employee and the employee’s eligible dependents. Each full-XXX. Bargaining unit members time employee shall have a choice pay 20% of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance planMESSA Choices II Premium (Plan A or Plan B) and any Federal/State Health Care taxes not covered by MESSA. For any employee who does not select Plan A offered by the Board, MESSA ABC 1or MESSA ABC 2 the employee shall receive Plan B and $5,500 annually (or $458.33/monthly) as cash in lieu of medical insurance costsinsurance. In the case of husband and wife who are both employed in the district, one will take Plan A and one will take Plan B. The amount will be withheld over 21 spouse who elects Plan B shall receive $3,600 annually (or 26 pays $300.00/monthly) as cash in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreementlieu as insurance. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost Teachers may select one of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK following plans: Plan A: HEALTH: • MESSA ABC1 Choices II Saver Rx /$10 OV $1350/$2700 300/$600 Deductible (Optional: District prefunded HSA $950/1900In-Network) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70LTD 66.67% of salary • $6,000 maximum • 90 Calendar Days Day Modified Wait • Fill 4000 Maximum Pre-existing condition waiver • Freeze on offsets • Alcoholism/Condition Waiver-Yes Alcohol & Drug – Same as any illness • Abuse Care - Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental -70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $20,000 AD+D Vision - VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK III Plus Plan B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total LTD 66.67% 90 Calendar Day Modified Fill 4000 Maximum Pre-existing Condition Waiver-Yes Alcohol & Drug Abuse Care - Mental/Nervous Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental - 70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $25,000 AD+D Vision - VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B III Plus Part-time employees shall receive a cash option in lieu pro-rata share of health benefitspremiums. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The remaining amount of the cash payment shall be $4420.00 yearly and may be applied to a Taxdeducted from the part-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthotime employee’s wages.

INSURANCE PROTECTION. 10.1 The Board agrees to furnish to all teachers desiring it, the following MESSA Choices II insurance protection: Plan A MESSA Choices II (For teachers electing health coverage) Prescription drug coverage: 2009-2010: $10 Rx with Reimbursement to $5/$10 Rx Language The Employer shall provide twelve-month coverage for all bargaining unit members through XXXXX-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay reimburse the difference between for each prescription co-pay for the hard cap (annually determined by $10 Rx plan as follows: $5/up to a 34-day supply; $15/90-day supply; $18/90-day supply mail order. 2010-2011: $10 Rx with Reimbursement to $5/$10 Rx Language The Employer shall reimburse the legislature) and difference for each prescription co-pay for the cost $10 Rx plan as follows: $5/up to a 34-day supply; $15/90-day supply; $18/90-day supply mail order. Effective June 1, 2011:  Addition of a $200/$400 deductible with full district reimbursement to members  $10/$20 Rx per Master Agreement  $10 office call 2011-2012: $10/$20 Rx with Reimbursement to $5/$10 Rx Language The Employer shall reimburse the selected insurance plandifference for each prescription co-pay for the $10/$20 Rx plan as follows: Generic: Name Brand: Up to 34-day supply $5 $15 90-day supply $15 $35 90-day supply mail order $18 $38 Effective September 1, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will 2011: Annual premium share contribution shall be withheld over 21 or 26 pays in at the following pre-tax dollars through a Cafeteria Plan 125 – Election Agreement levels: Single Subscriber $1,040 Two-Person $1,300 Full Family $1,690 Pak B $ 312 Long Term Disability 70%, $5,000 monthly maximum income benefit $7,143 maximum monthly salary 120 calendar days modified fill, 2 years own occupation Offset of other income - family, 5% minimum payout Freeze on offsets Alcoholism/drug addiction and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK A: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • mental/nervous same as any other illness Maternity coverage and rehabilitation benefit - standard COLA Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Delta Dental 100% Class IA : 90% Class IB, 90% Class II, 90% Class III $1,000 Class I&II yearly maximum, $1,500 ortho lifetime maximum Rider: basic coverage Negotiated Life $30,000 AD & D Vision VSP III Plus Plan B (For teachers not electing health coverage.) Same as any illness • Mental/Nervous – Plan A Dental Same as any illness NEGOTIATIED LIFE – Plan A total of $ Vision Same as Plan A Negotiated Life $50,000 with A D AD & D VISION – VSP 3Plus DENTAL – 80/80/80: $ Dependent Life $2,000 with Adult Ortho PAK B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B shall receive a cash option in lieu of health benefits. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The amount of the cash payment shall be spouse/ $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthochild

INSURANCE PROTECTION. A. The Board shall provide twelve-pay the premium cost for the following fringe benefit options for a full twelve (12) month coverage period for all the bargaining unit members through XXXXXemployee and his/her entire eligible family. Option 1 - For employees electing Health Insurance Health Insurance: MESSA Choices II or equivalent Preferred Prescription (PPO) - $10/$20 Drug Card (includes $5,000 AD&D Basic Term Life) Negotiated Long-XXX. Bargaining unit members shall have a choice of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance plan, MESSA ABC 1or MESSA ABC 2 of medical insurance costs. The amount will be withheld over 21 or 26 pays in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreement. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK ATerm Disability: HEALTH: • MESSA ABC1 $1350/$2700 Deductible (Optional: District prefunded HSA $950/1900) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 7066 2/3% of annual contractual salary • $6,000 monthly maximum • benefit 90 Calendar Days days - Modified Wait • fill Maternity Coverage Pre-existing condition waiver • Condition Waiver Freeze on offsets • Alcoholism/Drug – Same Waiver - same as any other illness • Mental/Nervous – Same Waiver - same as any other illness NEGOTIATIED LIFE – A total of $ Recurrent Disability Clause Rehabilitation Clause Negotiated Life: $50,000 with A D & D VISION – AD&D and Waiver of Premium Vision: VSP 3Plus DENTAL – 80/80/803 Plus (plan year is July - June) Dental: $ 2,000 80/80/80/80 - $1,500 with Adult Ortho, or 50/50/50 - with Adult Ortho PAK B$1,000 maximum for Class I and II (plan year is July - June) Option 2 - For employees not electing health insurance Negotiated Long-Term Disability: LONG TERM DISABILITY – 66 2/3% of annual contractual salary $6,000 monthly maximum benefit 90 Calendar days - Modified fill Maternity Coverage Pre-existing Condition Waiver Freeze on offsets Alcoholism/Drug Waiver - same as above NEGOTAITED LIFE – A total of $ other illness Mental/Nervous Waiver - same as other illness Recurrent Disability Clause Rehabilitation Clause Negotiated Life: $50,000 with A D & D VISION – AD&D and Waiver of Premium Vision: VSP 3+ DENTAL – 80/80/80/3 Plus (plan year is July - June) Dental: $ 280/80/80/80 - $1,500 with Adult Ortho, 000 or 50/50/50 - with Adult Ortho Persons choosing PAK B $1,000 maximum for Class I and II (plan year is July - June) The employee shall receive sign a cash option in lieu of health benefitsparticipation agreement. The Board shall develop and implement a qualified plan document which complies with Section 125 All benefits will be paid according to the terms of the Internal Revenue Code. The amount insurance contract in force at the time of the cash payment shall be $4420.00 yearly and may be applied to a Tax-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthoclaim.

INSURANCE PROTECTION. The Board shall provide twelve-month coverage for all to the bargaining unit members through XXXXXmember the MESSA Choices II (as outlined in Plan A and B below) for a full (12) month for each fulltime employee and the employee’s eligible dependents. Each full-XXX. Bargaining unit members time employee shall have a choice pay 20% of participating in PAK A, PAK B or PAK C. GEA members will pay the difference between the hard cap (annually determined by the legislature) and the cost of the selected insurance planMESSA Choices II Premium (Plan A or Plan B). For any employee who does not select Plan A offered by the Board, MESSA ABC 1or MESSA ABC 2 the employee shall receive Plan B and $5,500 annually (or $458.33/monthly) as cash in lieu of medical insurance costsinsurance. In the case of husband and wife who are both employed in the district, one will take Plan A and one will take Plan B. The amount will be withheld over 21 spouse who elects Plan B shall receive $3,600 annually (or 26 pays $300.00/monthly) as cash in pre-tax dollars through a Cafeteria Plan 125 – Election Agreement and Pre- Tax Compensation Reduction Agreementlieu as insurance. Under IRS rules, an individual cannot possess a flexible spending account with an HSA Plan. The membership is responsible for the cost Teachers may select one of the medical health plan that exceeds the annually adjusted hard cap allowed by the state of Michigan. These dollars will be deducted through payroll deduction. PAK following plans: Plan A: HEALTH: • MESSA ABC1 Choices II 10/20 Rx /$10 OV $1350/$2700 300/$600 Deductible (Optional: District prefunded HSA $950/1900In-Network) (Members may elect not to accept prefunded HSA • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70LTD 66.67% of salary • $6,000 maximum • 90 Calendar Days Day Modified Wait • Fill 4000 Maximum Pre-existing condition waiver • Freeze on offsets • Alcoholism/Condition Waiver-Yes Alcohol & Drug – Same as any illness • Abuse Care - Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental -70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $20,000 AD+D Vision - VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Ortho PAK III Plus Plan B: LONG TERM DISABILITY – same as above NEGOTAITED LIFE – A total LTD 66.67% 90 Calendar Day Modified Fill 4000 Maximum Pre-existing Condition Waiver-Yes Alcohol & Drug Abuse Care - Mental/Nervous Freeze on Offsets-Yes Two-Year Own Occupation Cost of $ 50,000 with A D Living Benefits-No Maternity Coverage Delta Dental - 70/70s/70 70% $1500 ($1000 Maximum class I, & D VISION – II, & III Benefits) Negotiated Life - $25,000 AD+D Vision - VSP 3+ DENTAL – 80/80/80/: $ 2, 000 with Adult Ortho Persons choosing PAK B III Plus Part-time employees shall receive a cash option in lieu pro-rata share of health benefitspremiums. The Board shall develop and implement a qualified plan document which complies with Section 125 of the Internal Revenue Code. The remaining amount of the cash payment shall be $4420.00 yearly and may be applied to a Taxdeducted from the part-Deferred Annuity. To elect the annuity, the member shall enter into a salary reduction agreement. The Board and the employee shall be responsible for paying their respective FICA taxes on the cash payment. Costs relating to the implementation and administration of benefits under this program shall be borne by the Board. PAK C: HEALTH: • MESSA ABC2 $2000/$4000 Deductible (Optional: District prefunded HSA$950/$1900) (Members may elect not to accept prefunded HSA) • MESSA ABC RX Pak Rate: Quote 225643– LONG TERM DISABILITY – • 70% of salary • $6,000 maximum • 90 Calendar Days Modified Wait • Pre-existing condition waiver • Freeze on offsets • Alcoholism/Drug – Same as any illness • Mental/Nervous – Same as any illness NEGOTIATIED LIFE – A total of $ 50,000 with A D & D VISION – VSP 3Plus DENTAL – 80/80/80: $ 2,000 with Adult Orthotime employee’s wages.