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<br />35 <br /> <br /> <br />The City shall continue to provide to eligible employees and dependents dental insurance <br />through Delta Dental Fee for Service program, or upon the establishment of a mutually <br />agreed upon alternative program, to include coverage’s as follows: two thousand dollars <br />($2,000) annual cap for basic coverage and two thousand five hundred dollars ($2,500) <br />lifetime cap for orthodonture. Effective January 1, 2012, the City will pay ninety percent <br />(90%) of the dental insurance premium for eligible employees and dependents. <br /> <br />10.4 Life Insurance <br /> <br />Effective September 1, 2011, the City shall provide employees Basic Life Insurance <br />coverage of fifty thousand dollars ($50,000), and Accidental Death and Dismemberment <br />(ADD) coverage of fifty thousand dollars ($50,000), with the City paying one hundred <br />percent (100%) of the premium. <br /> <br />10.5 Savings Clause <br /> <br />If, pursuant to any federal or state law which may become effective subsequent to the <br />effective date of this MOU, the City is required to pay contributions or taxes for hospital- <br />medical-surgical, dental care, prescription drug or other health benefits to be provided its <br />employees under such federal or state act, the City's obligation to furnish the same benefits <br />under the hospital-medical-surgical, dental care and major medical programs existing at <br />this time shall be suspended and the contributions agreed to be paid monthly hereunder by <br />the City shall be reduced each month by the amounts which the City is required to expend <br />during any such month in the form of contributions or taxes to support said federal or state <br />health plan. <br /> <br />If, as a result of such a law, the level of benefits provided by such law for any group of <br />employees, or their dependents, is lower in certain categories of services than that provided <br />under the existing major plans the City shall, to the extent practical, provide a plan of <br />benefits supplementary to the federal or state benefits so as to make benefits in each <br />category of coverage as nearly comparable as possible to the benefits provided under the <br />major medical plan. The City need only expend for this purpose the actual amount required <br />to achieve parity between the benefits agreed to be provided under the major medical plan <br />and the benefits provided under any federal or state plan as supplemented in the manner <br />hereinabove described. In no event shall the City be required to expend for such purposes <br />an amount which, when added to the contributions or taxes required of the City under the <br />federal or state act, shall exceed the amounts paid at the time such legislation becomes <br />effective. <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 obligation to <br />make any contributions. <br /> <br />The City intends to evaluate the hospital-medical, life insurance, and dental plans, which <br />are currently available to employees. In the event that it may be possible to provide <br />hospital-medical, life insurance and dental coverage as nearly comparable as possible to <br />the benefits in effect on September 1, 1998, without additional cost to the City or the <br />employees, the City may substitute new insurance carriers. The Association will be given <br />an opportunity to review the coverage afforded under such substitute plans before they are <br />implemented. <br />6.H. - Page 43 of 72 <br />385