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<br />11. INSURANCE PLANS <br /> <br />11.1 Health, Dental, Disability, & Life Insurance <br /> <br />Upon proper application and subject to payment of any required premiutns, all <br />regular full time Employees, working at least 32 hours per week, will be required to <br />be covered by the City's health, dental, short-term disability and life insurance plans. <br />Subject to the payment of the required premiutns, 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) <br /> <br />r.............--a...~~on .to.I>.... _...~'f-ho..;.erL~o...,..;h.l"'" s~endin........ "..............."....+.. <br />......V.L.I.LLLlJUU AU, ~U.U.l ..L..I..L. ...... .LL.....h.I.U.l~- l' 5-....'"'........~L, <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 /> <br />25 <br />