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<br />40 <br /> <br />If the benefits provided under the federal or state act exceed the benefits provided <br />hereunder in each category of coverage, the City shall be under no further <br />obligation to make any contributions. <br /> <br />The City intends to evaluate the hospital-medical, life insurance, and dental plans <br />which are currently available to employees. In the event that it may be possible to <br />provide hospital-medical, life insurance and dental coverage as nearly comparable <br />as possible to the benefits in effect on November 1, 1980, without additional cost <br />to the City or the employees, the City may substitute new insurance carriers. The <br />Association will be given an opportunity to review the coverage afforded under <br />such substitute plans before they are implemented. <br /> <br />The City and Association agree that in the event state or federal law changes to the <br />extent that mandates are placed on the City or the level of benefits changes during <br />the term of this MOU, the parties agree to reopen the MOU to meet and confer over <br />such changes or mandates, if either party requests to do so. <br /> <br />10.4 Dental <br /> <br />The City shall continue to provide to eligible employees and dependents fully paid <br />dental insurance through Delta Dental Fee for Service program or through a <br />mutually agreed upon alternative program through the term of this Agreement to <br />include coverage as follows: two thousand dollars ($2,000.00) annual cap for basic <br />coverage and two thousand five hundred ($2,500.00) lifetime cap for orthodonture. <br />Effective January 1, 2016, the City’s contribution toward the plan shall be ninety <br />percent (90%) of the plan premium. <br /> <br />10.5 Life Insurance <br /> <br />The City shall continue to offer to eligible employees the life insurance program in <br />effect on February 1, 1974. Effective September 1, 2011, the City shall provide <br />employees Basic Life Insurance coverage of fifty thousand dollars ($50,000), and <br />Accidental Death and Dismemberment (ADD) coverage of fifty thousand dollars <br />($50,000), with the City paying one hundred percent (100%) of the premium. <br /> <br />10.6 Long Term Disability Insurance <br /> <br />The City will reimburse the Association twenty-four dollars and fifty cents ($24.50) <br />per month, per employee towards the cost of Long Term Disability. <br /> <br />In the event the cost of the current Long Term Disability plan increases during the <br />term of this Memorandum of Understanding, the City will reimburse the actual <br />premium cost up to a maximum of twenty-five dollars ($25.00) per month per <br />employee. <br /> <br />10.7 Vision Care <br /> <br />6.I. - Page 52 of 84 <br />282