[Adopted 7-21-1997 by Ord. No. 11-1997]
The Township shall maintain and provide the
same level of benefits as those carried under the previous plan, with
the only exception being that the prescription plan offered with the
new carrier, Insurance Design Administrators, shall be provided for
all employees and their families. The costs of the medical plan and
the prescription plan shall be paid by the Township.
[Amended 12-27-2001 by Ord. No. 30-2001; 3-18-2002 by Ord. No. 9-2002; 5-20-2013 by Ord. No. 4-2013]
Employees of the Township, hired prior to April
15, 2013, shall be entitled to payment of health insurance benefits
for the retiree and his/her spouse subject to the following eligibility
conditions and the following coordination of benefit provisions with
the federal Social Security Medicare and/or Medical Benefits Program.
Employees hired after April 15, 2013, shall not be entitled to Township-paid
health insurance benefits upon retirement.
A.
Eligibility criteria.
[Amended 2-16-2016 by Ord. No. 2-2016[1]]
(1)
For employees hired on or before April 15, 2013, there are two categories
for employee eligibility of benefits upon retirement:
(a)
An employee of Greenwich Township who retires after 25 years
or more of service credit in a state or locally administered retirement
system based upon 25 years of full-time employment, including a minimum
period of three years of full-time employment with Greenwich Township
at the time of retirement, shall be entitled to health insurance benefits
for himself/herself and his/her spouse; or
(b)
An employee of Greenwich Township who retires at the age of
65 years or older with 15 or more years of service of full-time employment
with the Township shall be entitled to health insurance benefits for
himself/herself and spouse.
(2)
For purposes of this section, "full-time employment" means the employee
worked not less than 35 hours per week and was on the regular payroll
of the employer.
[1]
Editor's Note: This ordinance provided that it would
be applied retroactively to all Township employees as of 10-1-2015.
B.
Secondary to other benefits. The benefit provided under this § 120-12 is secondary to any other medical insurance benefit received by the retiree or his/her spouse and shall not be available if such benefit is available from any other source other than through Social Security.
C.
Coordination of benefits with social security medicare/medicaid
program. Any retiree of the Township of Greenwich receiving health
insurance benefits under this section is subject to the following
limitations and coordination of benefits with the Social Security
Medicare program:
(1)
At age 65 or over, an active employee is covered by
the employer's health insurance plan. Medicare is secondary for both
Part A and Part B benefits. Persons meeting this condition shall not
have Medicare health insurance benefits as primary as required by
federal law. Should federal regulations change in this regard, the
Greenwich Township health insurance benefit shall automatically change
to comply with such changes as required by law. This provision pertains
to employees who are not retirees but is included in this section
so there is a clear statement of nondiscrimination for such employees
as required by federal law.
(2)
At age 65, a retiree of Greenwich Township shall immediately
apply for and receive Social Security Medicare benefits. Social Security
Medicare benefits shall be primary and the health insurance benefits
provided by Greenwich Township shall be secondary to all benefits
paid under the Social Security Medicare program.
(3)
A person under the age of 65 and retired after 25 years of full-time
employment shall be covered by the Greenwich Township health insurance
program as primary coverage until that person reaches 65 years of
age or is otherwise eligible for coverage under Medicare. Upon such
person becoming eligible for coverage under Medicare, such person
shall elect Medicare as his/her primary medical insurance benefit,
with the Greenwich Township health benefit plan being secondary.
[Amended 5-20-2014 by Ord. No. 3-2014]
[Amended 2-20-2007 by Ord. No. 3-2007]
The Township will pay for each employee and
family to receive an eye examination and prescription glasses each
year. The cost of the glasses and eye examination are not to exceed
$250 total per family.
If an employee is killed during active employment,
the spouse and children shall receive all medical and dental benefits
to which the employee would have been entitled at the time of the
employee's death. The benefits for the widow/widower shall continue
until such time as said widow/widower remarries. The benefits shall
continue for the children until such time as they become emancipated.
All employees shall receive Delta Dental of
New Jersey, Inc. Those employees not married shall be enrolled as
single members. Those employees that are married but have no children
shall be enrolled as two parties, and those married employees having
children shall be enrolled as family members. It is the intent of
this article that even if an active employee becomes a widow/widower
or divorced, the children shall continue to be covered by the plan
in effect and in accordance with the current collective bargaining
agreement (contract).[2]
The Township shall pay the cost of and maintain
a life insurance policy that will pay the beneficiary of the employee
$10,000. This policy shall remain in effect until the last day of
the insurance month in which that employee leaves the job or retires.
The Township shall provide each employee with
weekly income insurance. The Township shall be the beneficiary of
the weekly income insurance as long as they are paying the employee's
salary. When the employee's sick leave is used up and the Township
stops paying his salary, the weekly insurance shall be paid to that
employee.
