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i <br /> MEMORANDUM OF UNDERSTANDING <br /> BETWEEN THE CITY OF RAMSEY AND LAW ENFORCEMENT LABOR <br /> SERVICES(LELS)LOCAL 408 CAPTAINS <br /> ARTICLE 15 M.O.U.INSURANCE <br /> ARTICLE NINETEEN(19) M.O.U. INSURANCE <br /> January 1,2025 to December 31,2026 as described below: <br /> 1) Insurance: City monthly contributions for 2025 health insurance and life <br /> insurance: <br /> The EMPLOYER will make the following contributions toward group health insurance <br /> coverage for EMPLOYEES enrolled in the City's health Plan during 2025.In addition, <br /> the City will purchase$20,000 of basic life insurance for full-time regula <br /> EMPLOYEES. <br /> Premiums or Waiver <br /> • EMPLOYEE only(single)City contribution,not to exceed$1102.50 <br /> • EMPLOYEE and Children City contribution: $1544.20 <br /> • EMPLOYEE and Spouse City contribution:$1621.20 <br /> • Family City contribution:$2007.60,or <br /> • Cash in lieu of City's insurance contribution of$425.00 Per month. Cash <br /> in lieu of coverage requires Proof of other coverage. <br /> Health Reimbursement Account/Health Savings Account <br /> • Single plans with a$3300 deductible receive$160.00 per month toward the <br /> H.R.A./V.E.B.A.or H.S.A. <br /> • Other single plans receive$130.00 per month toward the H.R.A./V.E.B.A. <br /> or H.S.A. <br /> • All EMPLOYEE+children and EMPLOYEE+spouse plans will receive <br /> $160.00 Per month toward the H.R.A./V.E.B.A.or H.S.A. <br /> • All family plans will receive$192.00 Per month toward the <br /> H.R.A./V.E.B.A.or H.S.A. <br /> • EMPLOYEES waiving health insurance will not receive H.R.A.or H.S.A. <br /> contributions <br /> 21 <br />