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ARTICLE 18 ‑ LIFE INSURANCE


This is a labor agreement with annotations by the Office of Collective Bargaining.

PLEASE NOTE:
Language that is in bold typeface and underlined was added with this Agreement.

Language that is struckthrough was removed with this Agreement.
Language in Italics are annotations added by the Office of Collective Bargaining.

The parties mutually agreed to change all references to “OCSEA Benefits Trust” to “Union Benefits Trust” to acknowledge that all unions participate in the trust.

18.01 Amount

The Trust shall offer life insurance benefits to eligible full-time and part-time employees upon an employee's completion of one (1) year of continuous State service.  The Trustees shall be responsible for establishing rules, regulations, and definitions of eligibility concerning Trust-provided benefits for its participants and shall have fiduciary responsibility for the administration of the Trust pursuant to the Trust Agreement and the laws of the State of Ohio.  The Employer shall provide group life insurance coverage at no cost for all employees of the bargaining units who have attained one (1) year of state service.  The amount of insurance provided shall be an amount equal to the employee's annual salary, rounded up to the next higher thousand.  The amount of insurance provided to employees sixty-five (65) years of age but under seventy (70) years of age shall be reduced to sixty-five percent (65%).  For employees age seventy (70) and over the amount of insurance provided shall be reduced to fifty percent (50%). These reductions will not reduce the actual amounts to less than $5,000.  There will be no reduction if the formula amount is $5,000 or less.

In the Schools for the Deaf and the Blind, employees shall have their life insurance paid during the calendar year under the terms of this Article.

Explanation:

This language was revised to incorporate language from OCSEA contract.

Attention:

Agency Payroll, Personnel Officers and Fiscal Officers.

Instructions:

The payroll system allows these employees to be eligible for Trust benefits once the employee has reached 366 days of service credit. For these employees total service will equal continuous service for Trust benefit eligibility. This does not convey continuous service for any other purpose.

Effective Date:

June 1, 2003

18.02 Conversion

In the event the employee terminates from state service, or is on an unpaid leave of absence, or reaches age seventy (70), the employee may convert his/her life insurance to a private policy by paying the premium rate within the thirty-one (31) day conversion privilege period.

18.03 Disability Coverage

In the event a state employee goes on an extended medical disability, or is receiving workers compensation benefits, the Employer-policyholder shall continue at no cost to the employee the coverage of the group life insurance for such employee for the period of such extended leave, but not beyond two (2) three (3) years.

Explanation:

This language reduces life insurance coverage from three to two years.

Attention:

Agency Labor Relations Officers, Fiscal Officers, Personnel Officers and Payroll Officers.

Effective Date:

June 1, 2003

18.04 Double Indemnity

When an employee(s) is killed in the line of duty, his/her estate or beneficiary shall receive twice the amount of coverage as specified in Section 18.01.

18.05 Optional Life Insurance

The State shall make available optional term-life insurance to employees.  The cost will be paid by the employee on a payroll deduction basis.  The available coverage will be at least two (2) times the employee's salary.  No evidence of insurability will be required if an adequate number of employees participate.  The State will explore smoker/non-smoker rates and spousal coverage.

18.06 Benefits Trust

The benefits of this Article shall be administered by the Union Benefits Trust.  Except for established payroll deductions for programs and organizations in effect on the effective date of this Agreement, along with any deductions, no additional payroll deductions for dues, fees or contributions shall be provided to any individual or organization without the prior written consent of the Union and the Employer.




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