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17 <br />Employees choosing to discontinue the Opt-Out program and enroll in the City’s Health Insurance <br />Program must do so during enrollment periods as authorized by the City's Health Insurance Carrier. <br />Enrollment may be subject to pre-qualification. <br /> <br />COBRA <br />On April 7, 1986, a new Federal Law was enacted requiring that most employers sponsoring group <br />health and life insurance plans offer employees and their families the opportunity for a temporary <br />extension of health coverage (called "Continuation Coverage") at group rates in certain instances where <br />coverage under the plan would otherwise end. (The employee will pay 102% of the City's cost of <br />providing coverage.) <br /> <br />If you are an employee of the City of Little Canada covered by a group health plan or group life <br />insurance plan, you have the right to choose this continuation coverage, at your own expense, if you <br />lose your group health and life coverage because of a reduction in your hours of employment or the <br />termination of your employment (for reasons other than gross misconduct on your part). <br /> <br />If you want further information on COBRA, talk to the City Administrator Clerk/HR Manager. <br /> <br />Long-Term Disability Coverage <br />Regular full-time employees and regular part-time employees accruing benefits are required to <br />purchase long-term disability coverage as provided by the City's insurance carrier. The cost of this <br />coverage will be deducted from paychecks on a bi-weekly basis. <br /> <br />Life Insurance Coverage <br />Life insurance is provided for regular full-time employees by the City. Regular full-time employees <br />have the option of purchasing additional coverage over the amount provided by the City as well as have <br />the option of purchasing dependent coverage. For those employees purchasing additional coverage <br />and/or dependent coverage, the cost of this coverage is deducted from paychecks on a bi-weekly basis. <br /> <br />Continuation of Insurance Benefits <br />Employees Terminating Employment – When an employee terminates employment, the cost of <br />insurance benefits such as health, opt-out, and life insurance shall be paid by the City to the end of the <br />month in which employment terminates. (Also see COBRA provision above.)