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<br />Subject to the payment of the required premiums, an Employee's dependents may <br />also be covered under such plans. <br /> <br />11.2 Cafeteria Plan <br /> <br />The City will contribute an amount, designated on an annual basis by action of the <br />City Council, to the Employee for use in the City's Cafeteria Plan. Employees are <br />. required to choose at least the core benefit plan, as defined in the City's Cafeteria <br />Plan document. Any balance remaining after the required core benefits have been <br />purchased may be used in any authorized area of the plan, such as: <br /> <br />(A) The purchase of additional life, disability, or long term care insurance offered <br />through the City's plan; <br /> <br />(B) Contribution to an authorized flexible spending account; <br /> <br />(C) Contribution to an. Employer sponsored deferred compensation (457) <br />program. <br /> <br />(D) Or, the Employee may elect to receive the balance in taxable income. <br /> <br />11.3 Continuation of Benefits <br /> <br />Health Plans: Employees will be allowed to continue health and dental insurance <br />coverage upon termination in accordance with Minnesota Continuation laws and/or <br />federal COBRA regulations. Certain "qualifying" events trigger an Employee's <br />and/ or dependents' right to continuation coverage. <br /> <br />Termination or Reduction: Generally, an Employee and his or her dependents are <br />allowed to continue coverage for a period of eighteen (18) months when one of the <br />following qualifying events occurs: <br /> <br />. A reduction in the Employee's work hours (including strikes or <br />layoffs); or <br />. Voluntary or involuntary termination of the Employee for reasons <br />other than gross misconduct. <br /> <br />Divorce, Separation, Death: In the instance of divorce, legal separation or death <br />of the Employee, a spouse and/or dependent child may continue coverage until: <br />. Coverage is obtained under another group plan; or <br />. Until coverage would otherwise end under the plan, such as the City <br />terminating their group coverage for all Employees. <br /> <br />Life Insurance Benefits: Generally, if an Employee loses coverage through <br />termination of employment or reduction in hours, s/he has a right to continue group <br />life insurance benefits for a period of eighteen (18) months from the loss of the <br />coverage date. <br /> <br />Health FSA: In cases where an Employee has under-spent his/her health FSA, <br />coverage generally will only be continued until the end of the plan year. <br /> <br />Page 24 of 46 <br />Adopted 11-09-2005 <br />