ARTICLE 13.0

BENEFITS

13.1 HEALTH INSURANCE

13.1.1 Health insurance plans and premium contribution rates in effect on September 30, 1995 shall be extended through December 31, 1995. Should this turn out not to be possible the new plans and rates set forth below will be used effective October 1, 1995.

13.1.2 Effective january 1, 1996, the university will offer members pharmacy, dental and vision plans and a choice of medical plans among a PPO, HMO and POS. These plans are further described in Appendix B.

13.1.3 All employee paid premiums, if any, will be collected through payroll deduction on a pre-tax basis (Section 125 premium conversion plan). During the term of this agreement the university will contribute monthly toward the cost of health, pharmacy, dental and vision insurance as described below:

1996
	Single	2 party	family
	Up to $118.78	up to $263.56	up to $372.76

The cost of such insurance coverage over and above the university's contributions will be paid by the member.

1997

During the 1997 plan year the university will increase its total contribution per individual member above the total amount it contributed in 1996 to cover half of any increase in the quoted rate by up to 3.5% in the PPO, by up to 2.5% in the HMO and POS plans, and by up to 3% in the pharmacy, dental and vision plans. The employee will be responsible for the rest.

1998

During the 1998 plan year the university will increase its total contribution per individual member above the total amount it contributed in 1997 to cover half of any increase in the quoted rate by up to 3.5% in the PPO, by up to 2.5% in the HMO and POS plans, and by up to 3% in the pharmacy, dental and vision plans. The employee will be responsible for the rest.

13.1.4 If a full-time employed spouse and/or dependent of a member declines similar (i.e. schedule of benefits, cost to the individual) hospitalization coverage from his/her employer because he/she elected a different benefit or cash payment, said spouse and/or dependent shall not be eligible for university coverage.

A spouse or eligible dependent enrolled in employer paid hospitalization insurance who loses such coverage, and who would otherwise be eligible for participation in a university plan, shall be permitted immediate enrollment (no waiting period) and shall not be subject to medical underwriting or any pre-existing condition(s) clauses or waivers.

13.1.5 Where both a husband and wife are employed by The University of Toledo, they shall have the option to take only one (1) family policy or a single health insurance policy each.

13.1.6 Members shall continue to be eligible to participate in the University's section 125 benefit plan pursuant to the terms of that plan.

13.1.7 The existing joint benefits committee shall continue for the life of this agreement.

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SIDE LETTER
TO
BOT/UT-AAUP CONTRACT OF MAY 1, 1993

In the event the present PPO, HMO or POS carriers change their schedule of benefits, hospitals and/or providers, the parties can, by mutual agreement, re-enter negotiations with respect to carriers under Article 13 of this Agreement.

Further, the parties agree that the UT-AAUP retains all rights pertaining to negotiations under O.R.C. §4117, including the right to strike.

s/___________________________________s/__________________________________
  For The University of Toledo         For UT-AAUP

Date: October 5, 1995

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