Insurance
Section A. State Employee Group Insurance Program
(“SEGIP”). During the life of this Agreement
,
the Employer
agrees to offer a Group Insurance Program
that includes health, dental, life, and
disability coverages
equivalent to existing coverages, subject to
the provisions of this Article.
All insurance
eligible employees
will be provided with a Summary Plan
Description (“SPD”) “Your Employee Benefits
”. Such SPD shall be provided no less than
biennially and prior to the beginning of the insurance year. New insurance eligible employee shall receive
a SPD within thirty (30) days of their date of eligibility
.
Section B. Eligibility
for Group Participation
. This Section describes eligibility
to participate in the Group Insurance Program
.
Subd. 1. Faculty
Members-Basic Eligibility
. A faculty member
may participate in the Group Insurance Program
if he/she is employed on the basis of at least
fifty percent (50%) of a full-time work assignment for a regular academic year
. If an insurance eligible faculty
member
’s
last scheduled day of work (excluding termination for cause) is at the end of
the academic year or later, coverage will cease at the completion of the payroll
period in which the succeeding academic year commences. If an insurance eligible faculty member
is terminated for cause or his/her last
scheduled day of work is before the end of the academic year, coverage will
cease at the end of the payroll period in which the separation or termination
date occurs.
Subd. 2. Faculty
Members-Special Eligibility
. The following faculty members are also
eligible to participate in the Group Insurance Program
:
a. Faculty
Members with Work-related Injury/Disability
. A faculty member
who was off the State payroll due to a
work-related injury or a work-related disability may continue to participate in
the Group Insurance Program
as long as such a faculty member
receives workers’ compensation
payments or while the workers’ compensation
claim is pending.
b. Totally Disabled Faculty
Members. Consistent with Minnesota Statutes
62A.148, certain totally disabled faculty
members may continue to participate in the Group Insurance Program
.
c. Early Retirement
. A faculty member
who retires from State service, is not
eligible for regular (non-disability) Medicare
coverage, has five (5) or more years of
allowable pension service, and is immediately eligible to receive a retirement
benefit
under Chapter 354B or an annuity under a State
retirement program may continue to participate in the health and dental
coverages offered through the Group Insurance Program
at his/her own expense.
Consistent
with Minnesota Statutes
43A.27, Subd. 3., a retired faculty member
who receives a retirement
benefit
under Chapter 354B or an annuity under a State
retirement program may continue to participate in the health and dental
coverages offered through the
Group Insurance Program
at his/her own expense. A spouse of a
deceased retired faculty member
may continue health and dental coverages through
the Group Insurance Program
provided the spouse was dependent under the
retired member’s coverage at the time of the retiree’s death and continues to
make the required premium payments. Retiree coverage must be coordinated with Medicare
.
d. Sabbatical
Leave
. A faculty member
eligible to participate in the Group Insurance
Program
immediately prior to taking a sabbatical leave
continues that eligibility
during the sabbatical leave.
e
. Adjunct
faculty with multiple appointments. An adjunct faculty member
holding separate appointments at different
MnSCU
institutions shall have such assignments
combined for purposes of determining eligibility
under Article 14
. To be eligible for
this benefit
, such adjunct
faculty members must report any multiple appointments to the human resource
office at each reporting institution.
Subd. 3. Dependents
. Eligible dependents
for purposes of this Article are as follows:
a. Spouse
. The spouse of an eligible faculty member
(if not legally separated). For the purposes of health insurance coverage
,
if that spouse works full-time for an organization employing more than one
hundred (100) people and elects to receive either credits or cash: (1) in place
of health insurance or health coverage, or (2) in addition to a health plan
with a seven hundred and fifty dollar ($750) or greater deductible through
his/her employing organization, he/she is not eligible to be a covered
dependent for purposes of this Article. If both spouses work for the State or another organization participating
in the State’s Group Insurance Program
,
neither spouse may be covered as a dependent by the other unless one spouse is
not eligible for a full Employer
Contribution as defined in Subd. 3.a.
b. Children and Grandchildren
. An eligible faculty member
’s
unmarried dependent children and unmarried dependent grandchildren: (1) through age eighteen (18); or (2) through
age twenty-four (24) if the child or grandchild
is a full-time student at an accredited
educational institution; or (3) a child or grandchild, regardless of age or
marital status who is incapable of self-sustaining employment by reason of
mental retardation, mental illness or physical disability and if chiefly
dependent on the faculty member
for support. The handicapped dependent shall
be eligible for coverage as long as she/he continues to be handicapped and
dependent, unless coverage terminates under the contract. Children or grandchildren
who become handicapped after they are no
longer eligible dependents
under (1) and (2) above may not be considered
eligible dependents unless they are continuing coverage as a dependent through
the employee’s prior employer.
“Dependent
Child
”
includes a faculty member
’s:
(1) biological child, (2) child legally adopted by or placed for adoption with
the faculty member
,
(3) foster child, and (4) stepchild. To
be considered a dependent child, a foster child must
be dependent on the faculty member for his/her principal support and
maintenance and be placed by the court in the custody of the faculty
member. To be considered a dependent
child, a stepchild must maintain residence
with the faculty member and be dependent upon
the faculty member for his/her principal support and maintenance.
“Dependent Grandchild ” includes a faculty member ’s: (1) grandchild placed in the legal custody of the faculty member