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<br />11.3 Continuation of Benefits <br /> <br />Health Plans: Employees will be allowed to continue health and dental insurance <br />coverage upon tennination in accordance with Minnesota Continuation laws and! or <br />federal CDBRA 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 tennination of the Employee for reasons <br />other than gross misconduct. <br /> <br />Divon:e, 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 />. Coverage is obtained under another group plan; or <br />. Until coverage would otherwise end under the plan, such as the City <br />tenninating their group coverage for all Employees. <br /> <br />Life Insurance Benefits: Generally, if an Employee loses coverage through <br />tennination 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 />