Common use of PRORATED BENEFIT Clause in Contracts

PRORATED BENEFIT. Those teachers working halftime but less than full time (daily) will receive a benefit prorated on a six (6) hour day. Those teachers working a full day but less than a full year and those teachers on an unpaid leave of absence for more than five (5) days during a year will receive a benefit prorated based upon one hundred eighty-two (182) teacher workdays. Those teachers affected by a prorated allowance will have the option to continue full benefits by direct payment of a supplement to the business office. Coverage of benefits will be for a full twelve month year (September through August) providing the employee works the entire school year. The Board agrees to provide eligible members of the bargaining unit with MESSA PAK health insurance, dental insurance, vision care insurance, and $5,000 of PAK life and AD&D insurance for those who choose to receive it. All eligible members who select health insurance receive with MESSA Choices II or MESSA ABC Plan 1. In addition, the Board will provide an additional $15,000 of life insurance coverage. Any member not participating in a health insurance plan (and their spouse does not receive health insurance from Lakeshore Public Schools) shall receive a monthly payment of $200 cash in lieu of health insurance. Any member who was employed with the District as of 6.30.17 and receiving the payment while having a spouse receiving health insurance from Lakeshore Public Schools will be “grandfathered” and shall continue to receive the payment. This payment shall be adjusted for a member who is less than a 1.00 FTE. The Board’s contribution toward the cost of insurance (medical, ACA fees, dental, vision, etc.) will be limited to the “hard cap” levels prescribed in the Publicly Funded Health Insurance Contribution Act MCL 15.561-.569, as amended. The District will set the amount of contribution annually (July 1 through June 30 based on the previously released January amounts). Any amount over the “hard cap” will be the member’s responsibility and shall be paid through automatic payroll deduction. <insert chart> The Board’s contribution to the MESSA ABC Plan 1 will be $1050/$2100 which will be funded monthly. If a deductible must be met due to medical services before Board funding is made, the Board will fund the deductible of that individual member without repercussions from the rest of the membership. The District’s share of the H.S.A contributions will be made monthly with the first pay of the month. If a member changes over or elects the H.S.A option, it is understood that the District’s share of the H.S.A contribution will be prorated for the amount of time during the calendar year the member is working. For example; a new teacher signs their contract and elects the H.S.A contribution. Since their insurance begins September 1, the District will contribute only the prorated share of the contribution totaling $700 ($2100*4 months/12 months for full family and employee plus one) or $350 ($1050 *4 months /12 months for single). If a current member has a life changing event that opens up enrollment, the same would apply as the contribution would be prorated based on the amount of calendar months left. In addition, if a member separates service from the District and the District has prepaid the deductible, it is understood that the member owes the District back the prorated share of the prepaid deductible based on months of service during the calendar year. This is deducted from the last check to the member. All LEA members, regardless if they choose Pak A or Pak B and who are employed at least 50% will be provided $15,000 of group term life insurance.

PRORATED BENEFIT. Those teachers working halftime but less than full time (daily) will receive a benefit prorated on a six (6) hour day. Those teachers working a full day but less than a full year and those teachers on an unpaid leave of absence for more than five (5) days during a year will receive a benefit prorated based upon one hundred eighty-two (182) teacher workdays. Those teachers affected by a prorated allowance will have the option to continue full benefits by direct payment of a supplement to the business office. Coverage of benefits will be for a full twelve month year (September through August) providing the employee works the entire school year. The Board agrees to provide eligible members of the bargaining unit with MESSA PAK health insurance, dental insurance, vision care insurance, and $5,000 of PAK life and AD&D insurance for those who choose to receive it. All eligible members who select health insurance receive with MESSA Choices II or MESSA ABC Plan 1. In addition, the Board will provide an additional $15,000 of life insurance coverage. Any member not participating in a health insurance plan (and their spouse does not receive health insurance from Lakeshore Public Schools) shall receive a monthly payment of $200 cash in lieu of health insurance. Any member who was employed with the District as of 6.30.17 and receiving the payment while having a spouse receiving health insurance from Lakeshore Public Schools will be “grandfathered” and shall continue to receive the payment. This payment shall be adjusted for a member who is less than a 1.00 FTE. The Board’s contribution toward the cost of insurance (medical, ACA fees, dental, vision, etc.) will be limited to the “hard cap” levels prescribed in the Publicly Funded Health Insurance Contribution Act MCL 15.561-.569, as amended. The District will set the amount of contribution annually (July 1 through June 30 based on the previously released January amounts). Any amount over the “hard cap” will be the member’s responsibility and shall be paid through automatic payroll deduction. <insert chart> The rates for each of the plans per month for January 1, 2020 - December 31, 2021, unless adjusted by MESSA are below: Monthly Employer Employee Premium Portion Portion Pak A: 0% Coinsurance Single 756.59 568.24 188.35 RX ABC Mail Employee +1 1,663.29 1,188.36 474.93 deductible 1300/2600 Family 2,087.92 1,549.75 538.17 Pak C: Essentials Plan Single 520.74 520.74 0 RX SRX Mail Employee +1 1,154.49 1,154.49 0 deductible $375/$750 Family 1,497.53 1,497.53 0 Pak D: 10% Coinsurance Single 720.91 568.24 152.67 RX ABC RX Employee +1 1,582.98 1,188.36 394.62 deductible 1300/2600 Family 1,987.99 1,549.75 438.24 Pak E: 20% Coinsurance Single 598.74 568.24 30.50 RX Saver RX Employee +1 1,330.01 1,188.36 141.65 deductible Choices - 3000/6000 Family 1,715.95 1,549.75 166.20 Pak B Single 46.08 36.96 9.92 Employee +1 88.37 70.70 17.67 Family 171.19 136.95 34.21 The Board’s contribution to the MESSA ABC Plan 1 will be $1050/$2100 which will be funded monthly. If a deductible must be met due to medical services before Board funding is made, the Board will fund the deductible of that individual member without repercussions from the rest of the membership. The District’s share of the H.S.A contributions will be made monthly with the first pay of the month. If a member changes over or elects the H.S.A option, it is understood that the District’s share of the H.S.A contribution will be prorated for the amount of time during the calendar year the member is working. For example; a new teacher signs their contract and elects the H.S.A contribution. Since their insurance begins September 1, the District will contribute only the prorated share of the contribution totaling $700 ($2100*4 months/12 months for full family and employee plus one) or $350 ($1050 *4 months /12 months for single). If a current member has a life changing event that opens up enrollment, the same would apply as the contribution would be prorated based on the amount of calendar months left. In addition, if a member separates service from the District and the District has prepaid the deductible, it is understood that the member owes the District back the prorated share of the prepaid deductible based on months of service during the calendar year. This is deducted from the last check to the member. All LEA members, regardless if they choose Pak A or Pak B and who are employed at least 50% will be provided $15,000 of group term life insurance.

PRORATED BENEFIT. Those teachers working halftime but less than full time (daily) will receive a benefit prorated on a six (6) hour day. Those teachers working a full day but less than a full year and those teachers on an unpaid leave of absence for more than five (5) days during a year will receive a benefit prorated based upon one hundred eighty-two (182) teacher workdays. Those teachers affected by a prorated allowance will have the option to continue full benefits by direct payment of a supplement to the business office. Coverage of benefits will be for a full twelve month year (September through August) providing the employee works the entire school year. The Board agrees to provide eligible members of the bargaining unit with MESSA PAK health insurance, dental insurance, vision care insurance, and $5,000 of PAK life and AD&D insurance for those who choose to receive it. All eligible members who select health insurance receive with MESSA Choices II or MESSA ABC Plan 1. In addition, the Board will provide an additional $15,000 of life insurance coverage. Any member not participating in a health insurance plan (and their spouse does not receive health insurance from Lakeshore Public Schools) shall receive a monthly payment of $200 cash in lieu of health insurance. Any member who was employed with the District as of 6.30.17 and receiving the payment while having a spouse receiving health insurance from Lakeshore Public Schools will be “grandfathered” and shall continue to receive the payment. This payment shall be adjusted for a member who is less than a 1.00 FTE. The Board’s contribution toward the cost of insurance (medical, ACA fees, dental, vision, etc.) will be limited to the “hard cap” levels prescribed in the Publicly Funded Health Insurance Contribution Act MCL 15.561-.569, as amended. The District will set the amount of contribution annually (July 1 through June 30 based on the previously released January amounts). Any amount over the “hard cap” will be the member’s responsibility and shall be paid through automatic payroll deduction. <insert chart> The rates for each of the plans per month for July 1, 2019 - December 31, 2019, unless adjusted by MESSA are below: Monthly Employer Employee Premium Portion Portion Pak A: 0% Coinsurance Single 679.98 557.10 122.88 RX ABC Mail Employee +1 1,494.25 1,165.06 329.19 deductible 1300/2600 Family 1,870.89 1,519.36 351.53 Pak C: Essentials Plan Single 460.64 460.64 0 RX SRX Mail Employee +1 1,022.63 1,165.06 0 deductible $375/$750 Family 1,326.78 1,519.36 0 Pak D: 10% Coinsurance Single 648.26 557.10 91.16 RX ABC RX Employee +1 1,422.89 1,165.06 257.83 deductible 1300/2600 Family 1,782.10 1,519.36 262.74 Pak E: 20% Coinsurance Single 529.96 529.96 0 RX Saver RX Employee +1 1,178.60 1,165.06 13.54 deductible Choices - 3000/6000 Family 1,520.87 1,519.36 1.51 Pak B Single 20.83 16.66 4.17 Employee +1 40.76 32.61 8.15 Family 85.99 68.79 17.20 The Board’s contribution to the MESSA ABC Plan 1 will be $1050/$2100 which will be funded monthly. If a deductible must be met due to medical services before Board funding is made, the Board will fund the deductible of that individual member without repercussions from the rest of the membership. The District’s share of the H.S.A contributions will be made monthly with the first pay of the month. If a member changes over or elects the H.S.A option, it is understood that the District’s share of the H.S.A contribution will be prorated for the amount of time during the calendar year the member is working. For example; a new teacher signs their contract and elects the H.S.A contribution. Since their insurance begins September 1, the District will contribute only the prorated share of the contribution totaling $700 ($2100*4 months/12 months for full family and employee plus one) or $350 ($1050 *4 months /12 months for single). If a current member has a life changing event that opens up enrollment, the same would apply as the contribution would be prorated based on the amount of calendar months left. In addition, if a member separates service from the District and the District has prepaid the deductible, it is understood that the member owes the District back the prorated share of the prepaid deductible based on months of service during the calendar year. This is deducted from the last check to the member. All LEA members, regardless if they choose Pak A or Pak B and who are employed at least 50% will be provided $15,000 of group term life insurance.