ARTICLE 47
DENTAL INSURANCE

47.1:    The Township shall provide each permanent, employee, current spouse and dependents a dental insurance policy at no cost to the employee on the first day of the month after six (6) months of employment.  The coverage hereunder will be the same as provided to all non-affiliated employees of the Township.

 

ARTICLE 48
LIFE INSURANCE

48.1:    The Township shall provide and pay the premium therefore for a Death Benefit insurance policy equal to one and one-half (1-1/2) times the employee's annualized base compensation and to include a Double Indemnity feature for accidental death for any cause whatsoever.

48.2:    In the event that an employee is killed in a work related accident, the Township shall provide the healthcare costs for employee's spouse and dependents for a maximum three year period from the date of employee's death at the same rate as is provided in Article 45.1 of this agreement. Such benefits will cease upon the re-marriage of employee's spouse or if the spouse obtains comparable benefits from another employer or another source.

 

ARTICLE 49
LONG TERM DISABILITY INSURANCE

49.1:    In order to protect the employee from experiencing financial hardship due to a prolonged recuperation in the event of disability, the Township has provided Long Term Disability insurance.

49.2:    The Disability Insurance commences the 91st day after injury or illness and continues to age seventy (70).

49.3:    The first ninety (90) days of compensation shall be paid from the employee's accumulated sick time credits, if available, up to the maximum of eight hundred sixty-four (864) hours.

 

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