5.1.1. 
Eligibility. Each full-time employee and the Town Supervisor, Members of the Town Board, Town Clerk, and Superintendent of Highways are eligible to participate in the medical insurance plan and a prescription drug plan made available through the Town.
A Town Justice who took office before August 1, 2015, is eligible to participate in the medical insurance plan and a prescription drug plan made available through the Town.
A Receiver of Taxes Justice who took office before August 1, 2015, is eligible to participate in the medical insurance plan and a prescription drug plan made available through the Town.
In no event shall the Town be required or obligated to pay or reimburse any portion of any doctor's bill, hospital bill, prescription bill, x-ray bill, laboratory bill, procedure bill, or any other medical bill or expense that is not covered or reimbursed by the insurance plan.
5.1.2. 
Date coverage begins. Coverage will begin on the first day of the month following the employee's first day of employment (or first day in an elected position), provided all eligibility requirements of the plan are met and the requisite forms have been completed. Enrollment in a medical insurance plan is not automatic.
Eligible employees, eligible Elected Officials, and their respective dependents may also enroll in the medical insurance plan during the annual open enrollment period or at the time of a qualified change in employment or family status, as defined by the insurance carrier.
5.1.3. 
Change in insurance plans. The Town Board may, at its sole discretion, change the medical insurance plan and/or prescription drug plan at any time, including, but not limited to: plan carrier; plan design; co-payments and deductibles; and eligibility.
5.1.4. 
Premium payment (full-time employees). For an employee hired before May 1, 2015, the Town will pay 85% and the employee will pay 15% of the monthly medical insurance premium for individual or dependent coverage, as the case may be.
For an employee hired after May 1, 2015, the Town will pay 82% and the employee will pay 18% of the monthly medical insurance premium for individual or dependent coverage, as the case may be.
The employee's contribution to the medical insurance premium will be deducted from the employee's regular paycheck. The employee may elect to have such deduction made on a pre-tax basis.
5.1.5. 
Premium payment (Elected Officials). Beginning January 1, 2016, the Town will pay 80% and the eligible Elected Official will pay 20% of the monthly medical insurance premium for individual or dependent coverage, as the case may be.
Notwithstanding the above, an Elected Official in a term that does not end on December 31, 2015, will continue to pay the same percentage of the monthly premium that was paid prior to January 1, 2016. When the term of such Elected Official ends, the above premium contribution will become effective at the beginning of the new term.
The Elected Official's contribution to the medical insurance premium will be deducted from the Elected Official's regular paycheck. The Elected Official may elect to have such deduction made on a pre-tax basis.
5.1.6. 
Changes in premium contributions. The Town Board may, at its sole discretion, change the amount of the insurance premium an employee or Elected Official is required to contribute.
5.2.1. 
As part of the medical insurance plan, the Town make available a dental rider and vision rider to each eligible full-time employee and Elected Official. The employee or Elected Official is responsible for the payment of the monthly premium.
5.3.1. 
Eligibility. A full-time employee who is eligible for medical insurance coverage made available through the Town may receive a cash buy-out in lieu of receiving medical insurance and prescription drug benefits. To be eligible for the medical insurance buy-out, the employee must provide documentation of comparable medical insurance coverage in a manner and form to be determined by the Town and sign an appropriate waiver of medical insurance coverage and waiver of liability to the Town. In the event an employee is married to another employee or Elected Official of the Town who is eligible for medical insurance, they must either enroll in two individual plans or one two-person or family plan, as the case may be, and will not be eligible for this buy-out.
Elected Officials are not eligible for this medical insurance buy-out.
5.3.2. 
Amount of buy-out. Each year, an eligible employee will receive an amount equal to the annual premium co-payment for the alternate medical insurance plan (excluding dental and vision) multiplied by 1.32 plus $1,000.
For example, if the annual premium co-pay for the alternate plan is $2,800, the amount of the buy-out would be $2,800 X 1.32 = $3,696 + $1,000 = $4,696. The buy-out is subject to applicable taxes.
For another example, if there is no annual premium co-pay for the alternate plan, the amount of the buy-out would be $0 X 1.32 = $0 + $1,000 = $1,000. The buy-out is subject to applicable taxes.
5.3.3. 
Method of payment. Partial payment of the buy-out will be made in the employee's regular paycheck for each pay period the employee is eligible for the buy-out.
5.3.4. 
Reinstatement. In the event the employee or Elected Official loses coverage under the alternate insurance plan, the employee or Elected Official may resume coverage under the medical insurance plan made available through the Town. Coverage will begin on the first of the month immediately following the employee or Elected Official giving notice, provided the employee or Elected Official gives such notice at least five business days prior to the first of the month and meets all eligibility requirements of the insurance plan. An employee or Elected Official may also elect to resume coverage under the medical insurance plan during the annual open enrollment period.
5.4.1. 
Summary. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of medical insurance coverage at their own expense at group rates. This coverage, however, is only available when coverage is lost due to certain specific events.
More information may be found on the US Department of Labor website:
http://www.dol.gov/ebsa/COBRA.html
5.4.2. 
Important time limits. Qualified beneficiaries must notify the Office of the Town Supervisor of a qualifying event within 30 calendar days after an employee's death, termination, reduced hours of employment or entitlement to Medicare.
A qualified beneficiary must notify the Office of the Town Supervisor of a qualifying event within 60 calendar days after divorce or legal separation or a child's ceasing to be covered as a dependent under plan rules.
Employees and beneficiaries generally will be sent an election notice not later than 14 calendar days after the Office of the Town Supervisor receives notice that a qualifying event has occurred. The individual then has 60 calendar days to decide whether to elect COBRA continuation coverage. The person has 45 calendar days after electing coverage to pay the initial premium.
5.5.1. 
Coverage. The Town will provide each full-time employee hired before January 1, 2016, and each Elected Official who took office before January 1, 2016, with a $20,000 group life insurance policy.
5.5.2. 
Premium payment. The Town will pay the full premium.