01-14-2026 Council Packet - Laserfiche WebLink

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21 City of Little Canada Personnel Policy employee cost for family coverage based on the number of hours allocated to that position. The City offers Opt-Out in order to recognize the needs of our diverse workforce by providing maximum flexibility in health care choices available to employees and their families. Employees are responsible for evaluating the feasibility of this option in terms of their family's health insurance needs. To be eligible for Opt-Out payment, an employee would opt-out for themselves and their eligible dependents. This option applies to medical coverage only and is not available to employees with single coverage, except when an employee is covered under a parent’s medical policy. Medical benefits through the City of Little Canada will be available to Opt-Out participants should they lose their coverage provided by another source subject to the City's insurance carrier's regulations. Open enrollment in the City's insurance program is available only as designated by the insurance carrier. This alternative allows employees who are covered under another medical plan to "opt-out" of coverage and receive a cash payment in lieu of medical benefits. Payment will be made on a bi- weekly basis and will be subject to ordinary income taxes. Participants in the Opt-Out Program must sign a release and show proof of medical benefits through another source. The City will have the right to refuse the Opt-Out option for an employee should the City's participation in its Health Insurance Program be jeopardized. Employees choosing to discontinue the Opt-Out program and enroll in the City’s Health Insurance Program must do so during enrollment periods as authorized by the City's Health Insurance Carrier. Enrollment may be subject to pre-qualification. COBRA On April 7, 1986, a new Federal Law was enacted requiring that most employers sponsoring group health and life insurance plans offer employees and their families the opportunity for a temporary extension of health coverage (called "Continuation Coverage") at group rates in certain instances where coverage under the plan would otherwise end. The employee may pay up to 102% of the cost of providing coverage if billed by the provider or a 3rd party. If you are an employee of the City of Little Canada covered by a group health plan or group life insurance plan, you have the right to choose this continuation coverage, at your own expense, if you lose your group health and life coverage because of a reduction in your hours of employment or the termination of your employment (for reasons other than gross misconduct on your part). Employees Terminating Employment – When an employee terminates employment, the cost of insurance benefits such as health, opt-out, and life insurance shall be paid by the City to the end of the month in which employment terminates. If you want further information on COBRA, talk to the City Clerk/HR Manager. Long-Term Disability Coverage Regular full-time employees and regular part-time employees accruing benefits are required to enroll in long-term disability coverage as provided by the City's insurance carrier. The cost of this coverage will be provided by the City. Unless required under applicable law, an employee will be required to pay any insurance payments while on long-term disability.