FILE:  EGA

Cf:  GBRIB

 

STAFF INSURANCE COVERAGES

 

 

HEALTH INSURANCE

 

The East Carroll Parish School Board shall contract with a health care provider for health, hospitalization, and life insurance benefits for its eligible employees, retirees, and/or their spouses and children.  The School Board may contribute a portion of an employee's or retiree's health care premium, as determined by the School Board, of any health care coverage selected by the School Board.  The employee or retiree shall be responsible for paying any portion of their premium not paid by the School Board.  Adjustments in the amount paid by the Board may be made with any change in premiums on a year-to-year basis.

 

Any full-time employee or retiree, together with dependents, is eligible to participate in the hospitalization and health care coverage selected by the School Board. Retirees are eligible to continue only the coverage that is current at the time of retirement.  Any employee who terminates his/her employment with the School Board shall not be covered by the School Board's health care plan as of the date of termination.  However, any employee who terminates employment with the School Board may apply for continued health care coverage in accordance with regulations of the Consolidated Omnibus Budget Reconciliation Act (COBRA).

 

Employees on Approved Leave Without Pay

 

Any East Carroll Parish School Board employee who is granted leave without pay by the School Board shall be obligated to pay 100% of the premium after twelve (12) weeks on leave without pay.  The East Carroll Parish School Board shall not continue contributions towards the premium.  Employees using sick leave for maternity leave purposes, sabbatical leave, or persons on sick leave that receive pay through accumulated sick leave shall not be affected by this provision and the Board shall continue to pay the necessary premiums.

 

Vesting Schedule for Retirees:

 

The East Carroll Parish School Board (ECPSB) shall use the following schedule to determine the percentage of the employer's portion of retiree health insurance the School Board will pay for employees hired after July 1, 2007.

 

Years of Participation

Vested Percentage

   

Fewer than six (6) years of service with ECPSB at time of retirement

0%

Fewer than ten (10) years

19%

Ten (10) years but fewer than fifteen years

38%

Fifteen (15) years but fewer than twenty (20) years

56%

Twenty (20) years or more

75%

 

 

Note:  Total participation means participation with the Office of Group Benefits (OGB) or any subsequent program adopted by the East Carroll Parish School Board, whether or not that participation was continuous.

 

CONTINUED COVERAGE FOR SURVIVING DEPENDENTS/SPOUSE

 

  1. Benefits under the Plan for covered Dependents of a deceased covered Employee or Retiree shall terminate on the last day of the month in which the Employee's or Retiree's death occurred unless the surviving covered Dependents elect to continue coverage.

 

    1. The surviving Children of an Employee or Retiree may continue coverage until attainment of the termination age for Children;

    2. Surviving Dependents/Spouse shall be entitled to receive the same Participant Employer Premium contributions as Employees and Retirees.  Once a participating surviving employee is eligible for Medicare, his/her rate shall move to the retiree rate schedule for Medicare eligible participants.

 

  1. A surviving spouse or Dependent shall not be allowed to add new Dependents to continued coverage other than for:  the birth or adoption of a descendent child of the deceased employee born or adopted after the Employee's death, or if coverage for the descendent child of the deceased is court ordered.

  2. Coverage for the surviving spouse shall continue until the earliest of the following events occurs:

 

    1. Failure to pay the applicable premium;

    2. Death of the surviving spouse.

 

  1. Coverage for a surviving Dependent Child under this section shall continue until the earliest of the following events:

 

    1. Failure to pay the applicable premium;

    2. The attainment of the termination age of children;

    3. Death of the surviving dependent.

 

Revised:  April, 2013

 

 

Ref:    La. Rev. Stat. Ann. ยงยง17:1233, 23:1034, 23:1081, 23:1472, 32:861, 32:862, 32:863, 32:864, 32:865, 42:821, 42:851

Israel v. Gray Ins. Co., 720 So.2d 803(98-525 La. App. 3 Cir. 10/28/98)

Board minutes, 6-3-03, 4-2-13

 

East Carroll Parish School Board