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MEMORANDUM OF UNDERSTANDING <br />MAMA-IUOE, LOCAL NO. 49 9 <br />19.3 By mutual agreement employees may use ten dollars <br />($10.00) of the per month per employee health <br />insurance dollars in 19.1 and 19.2 for dental <br />insurance for all unit employers. <br />19.4 Employees not choosing dependent coverage cannot be <br />covered at EMPLOYER expense for any additional <br />insurance than the individual group health and group <br />life insurance. Additional life insurance can be <br />purchased by employees at the employee's expense to <br />the extent allowed under the EMPLOYER'S group <br />policy." <br />19.5 Individual employees may provide for an <br />increased EMPLOYER contribution for insurances <br />over that amount stipulated by 19.1, 19.2 and <br />19.3 by lowering their salary from the rates <br />stipulated in APPENDIX A to provide for an <br />increased EMPLOYER contribution which will <br />fully pay for the employee's health, life, and <br />dental insurance, including dependent <br />coverage." <br />2. ARTICLE XXII WORKING OUT OF CLASSIFICATION is deleted from <br />the body of the MASTER AGREEMENT. <br />3. ARTICLE XXIV DURATION will read: <br />"ARTICLE XXIV DURATION <br />This AGREEMENT shall be effective as of January 1, <br />1984 and shall remain in full force and effect until the <br />31st day of December, 1985, except that either party may <br />Fe —open for negotiations for calendar 1985 the wage rates <br />in APPENDIX A and the local issues as shown in the <br />individual city's APPENDIX B - LOCAL ADDENDUM to the <br />MASTER AGREEMENT." <br />