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MEMORANDUM OF UNDERSTANDING <br />BETWEEN THE CITY OF RAMSEY AND LAW ENFORCEMENT LABOR SERVICES (LELS) <br />LOCAL 634 (Union). <br />ARTICLE 14 M.O.U. INSURANCE <br />January 1, 2026 to December 31, 2026 as described below: <br />1) Insurance: City monthly contributions for 2026 health insurance and life insurance: <br />The EMPLOYER will make the following contributions toward group health insurance coverage for <br />EMPLOYEES enrolled in the City's health plan during 2026. In addition, the City will purchase <br />$20,000 of basic life insurance for full-time regular EMPLOYEES. <br />Premiums or Waiver <br />• EMPLOYEE only (single) City contribution, $1177.00 <br />• EMPLOYEE and Children City contribution: $1648.84 <br />• EMPLOYEE and Spouse City contribution: $1731.10 <br />• Family City contribution: $2143.40, or <br />• Cash in lieu of City's insurance contribution of $510.74 per month. Cash in lieu of <br />coverage requires proof of other coverage. <br />Health Reimbursement Account/Health Savings Account <br />• Single plans with a $3400 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. or H.S.A. <br />• All EMPLOYEE + children and EMPLOYEE + spouse plans will receive $160.00 per <br />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 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 />FOR THE CITY OF RAMSEY: <br />By: <br />Attest: <br />Mayor Date <br />City Administrator Date <br />15 <br />