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8 <br />any additional insurance other than the individual group health and group life insurance. <br />Additional life insurance can be purchased by EMPLOYEE’S, at the EMPLOYEE'S expense to <br />the extent allowed under the EMPLOYER'S group policy. <br />19.3 Individual EMPLOYEES may provide for an increased EMPLOYER contribution for insurance <br />over that amount stipulated by 19.1, by lowering their salary from the rates stipulated in Appendix <br />A to provide for an increased EMPLOYER contribution which will fully pay for the EMPLOYEE'S <br />health, life, and dental insurance, including dependent coverage. <br />19.4 In the event the health insurance provisions of this Agreement fail to meet the requirements of the <br />Affordable Care Act and its related regulations or cause the EMPLOYER to be subject to a <br />penalty, fine or additional tax liability, the Union and the Employer will meet promptly to bargain <br />over alternative provisions. <br />ARTICLE XX PERSONAL TIME OFF (PTO) <br />20.1. Amount Allowed. Full time employees shall earn personal time off according to the following <br />schedule: <br />Hours Accrued Per year <br />0 - 5 years 176 hours <br />5+ - 14 years 216 hours <br /> 15+256 hours <br />Employees using earned PTO shall be considered to be working for the purpose of accumulating <br />additional PTO. <br />20.2. Usage. Personal time off may be used as earned, subject to approval by the Department Head <br />and City Manager of the time at which it may be taken. <br />In order to allow coordination of PTO with family and medical leave, employees seeking to take <br />PTO may be required to provide enough information about the purpose of the time off to allow a <br />determination of whether the time will also qualify for family and medical leave. If the PTO also <br />qualifies for family and medical leave, the employee must take both leaves simultaneously. <br />20.3. Terminal Leave. Any employee leaving the municipal service in good standing after giving proper <br />notice of such termination of employment, will be compensated for PTO accrued and unused to <br />the date of separation, as per 20.7. <br />20.4. Waiver of Personal Time Off Prohibited. No employee is permitted to waive PTO for the purpose <br />of receiving double compensation. <br />20.5. Procedure. To be eligible for PTO with pay, an employee shall report as soon as possible to his <br />or her Department Head the need to take PTO and its estimated duration. <br />20.6. Workers Compensation. Employees are covered by the workers compensation laws of the State <br />of Minnesota. In the event an employee is disabled and is entitled to workers compensation, the <br />employee will keep any workers compensation payments received and eligible to receive a bi- <br />weekly paycheck equal to 1/3 pay through the use of PTO benefits. In addition, the employee will <br />be entitled to earn 1/3 of the amount of the PTO pay they would otherwise be entitled to during an <br />absence from their employment. Employees receiving such workers compensation will be <br />considered working for the purpose of accumulating additional PTO benefits. <br />20.7. Unused Personal Time Off Pay. An unused PTO pay policy is established subject to the following <br />rules and regulations: