The URL can be used to link to this page

265585 WHI7E - CITY CLERK w�� PINK - FINANCE T GITY OF SAINT PAUL Cauncil . �� CANARY - DEPARTMENT-U . Devlin BLUE J - MAYO;R File NO. - � Council Resolution Presented By � � � � Referred To Committee: Date Out of Committee By Date �JHEREAS, The Minnesota P�utual Life Insurance Compa.ny insures the lives of the employees of tne City of Saint Paul and the Independent School District No. 625 and their dependents vnder Policy No. 2881-G; and, ��IF-IERE.�S, The tYiinr�esota Mutual Life Insurance Company in letters dated March 25, 1_975 and April I.7, 1975, which are attached hereto and made a part hereof by reference, indicated their willingness to increase the covera,ge on the spouses of suc�i employees to an wdditional �5,000; and ZdHE�EAS, The HealtY� and Welfare Insurance Advisory Co:runi.ttee of the City of Saint Paul lzna.r.imously recommend that the Council of tr,e City o£ Saint Pau1 pass a resolution makin� available this $5,000 additional life insurai�ce on the spouses of the employees and a� the employees e�ense; and, be it �herefore RESOLV�, That the �roper City Officia.l.s are hereby authorized a.nd directed to a.a,mend the ex_istin� Contract Tdo. 28£31-G so as to provide an additional �5,000 life insurance provid.ir.�; doLiple inciemni�y in the event of accidental death and waiver of premium in th� evett of the total disability of the employee at the following rates as set forth by the P��innesota l�2utual. F�rroloyee r'�;e Pdonthl,y Pre:ni.v?n per �5,000 Under Z�0 � 1.50 �+o - 4g 3.o0 50 - 5�+ 5.50 55 - 59 _ _ 8.00 60 - 6�+ 12.00 Tiiis coverage will termznate wher� the emplo�ee attains age 65, and, be it FURTHE�R RESOLVID, A perioci oi open enroll.ment shall be inaumurated during which a,n empl_oyee may a.pply :Car this �5,000 i�!surance on his (her) spouse ti�rithout evider�ce of insurability, provid_in� however ��,ha+ 5�0 of all eligible employees apply for coverage otherwise evidence will be taken, and be it further COUNCILMEIV Requested by Department of: Yeas Nays Christensen Hozza""' � In Favor Levine Rcedler B Sylvester Against Y Tedesco President Hunt Form Approved by City Attorney Adopted by Council: Date Certified Passed by Council Secretary BY By Approved by Mayor: Date Approved by Mayor for Submission to Council By By WH17E - CITY CLERK PINK - FINANCE COIlIICll CANARV - DEPARTMENT- �J. Devlin GITY OF SAINT PATIL File NO. � BLUE -MAVCR . ♦ ' Council Resolution Presented By Referred To Committee: Date Out of Committee By Date RESOLVID, The effective date of this additional insurance shall be June l, 1975, and be it FINALLY RESOLVID, That the City Clerk is hereby authorized and directed to send copies of this resolution to the Minnesota Mutual Life Insurance Company. COUNCILMEN Requested by Department of: Yeas Nays Christensen � Hunt In Favor Levine J Rcedler Against BY Sylvester Tedesco President� Hozza �!N 5� � Form Approved by City Attorney Adopted by Coun ' Date Certifi ass ounci ecretary BY By • Appro Mayor: Dat '� � Approved by Mayor for Submission to Council By By r':��'t.i�N�:� JU�I i � i`�'� ��NESo � � • ��-�1� �s558 � 5 � �� A1. �'� THE MINNESOTA MUTUAL LIFE INSURANCE COMPANY . 34S Cedar Street, Saint Paul, blinnesota SS101 • Telep/cone 298-3500 Area 612 April li, 1975 Mr. John Devlin Civil Service Department City of St, Paul City Hall St. Paul, Minnesota 55102 Re: $5,000 Snouse Life Insurance Dear John: This letter is in response to your concern over the conditions of the praposal by MinnesoCa Mutual Life Insurance Co. for $S,OOfl Spouse Life Insurance. As we discovered, the caverage was quoted without double indemnity provision for accidental death. This was an over- sight in not taking this into consideration. As I understand it, all the group dependent life insurance coverage written by Minnesota Mutual with the exception of the coverage for Public Employees does not have the double indemnity feature. Minnesota Mutual has agreed to provide the double indemnity feature to the program at an additional charge of .06� per month per $1,000. The monthly premium would then be as follows: Bmployee Age Monthly Premium per $5,000 Under 40 $ 1.50 � 40 - 49 3.00 50 - 54 5.50 55 - 59 8.00 60 - 64 12.00 You questioned whether or not the additional premium should be less than .06� per $1,000 because of the number of females who would be insured. Don Lease checked with the underwriters and advised me that their experience on this type of coverage reveals that there will be more males insured than females and that the males are generally two to three years older. � �NE"o �� - � �65585 . .:,�'": . � �� . �' Ati `�� THE MINNESOTA MUTUAL LiFE INSURANCE COMPANY . 345 Crdar Street, Saint Paul, Minnesota SS101 • Telephone ?98-3500 Area 6 J' March 25, 1975 Mx. John Devlin Civil Service Office City of St. Paul 265 City Hall � St. Paul, Minnesota 55102 --- �S;OQ0.00 SPOiSSE PROGRAM Dear John: Heres the rates and basics under which Minnesota Mutua.l would be willing to underwrite a optional spouse program. The rates as I mentioned at lunch the other day would be on step rate basis. Here's what we've developed: Employee Age Monthly Premium Per $5,000 IInder 40 ' $1.20 • 40-49 2.70 50-54 5.20 55-59 7.70 60-64 11.70 The coverage would terminate when the employee attaines age 65. The program would be offered on an evidence requirement basis. . John, we would be agreeable to an open enrollment period with some specif ic guidelines which we can work out at a later date. �. Although this may not be the time John, I feel we should a�.so in the very nea.r future, discuss changing the City's Dependent Life Program. to a step rate basis. John, if you �e ny additional questions or points I haven't covered, please call me. ,-.--''� ./,. Sin � " �y, � � '�� ona d E. Lease, Manag Group Administration DEL:gv � Mr. John Devlin April 17, 1975 , �� You also questioned whether or not waiver of premium would apply to this coverage should the employee become totally disabled and qualify for continuation of his life insurance without further premium payments. The answer is yes. One further question concerned the conditions of the proposed open en- rollment period. The company has agreed to an open enrollment period wherein applications will be accepted for $5,000 Spouse coverage with- out evidence of insuzability subject to application by 50% of the eligible employees. Should the City adopt this additional coverage, the agency is prepared to contact the departments and their employees. If we can secure any additional information or be of further assistance, piease let me know. Sincerely, ' Harry R. Ochs Agency, Inc. � David D. Smith DDS/cm � ��Es� �� ,A� � 3 • � �� `" 26��5 Gl A� �►� � THE MINNESOTA MUTUAL LIFE INSURANCE COMPANY _ ?45 C�dar Strret, Saint Paul, hlinnesota SS10! � Telephone '9�ti-3i00 Area Ci/' March 25, 1975 Mr. John Devlin ' Civil Service Office � City of St. Paul 265 City Hall St. Paul, Minnesota 55102 -- --�5,Q00.00 SPOUSE PROGRAM Dear John: Seres the tates and basics under which Minnesota Mutual would be willing to underwrite a optional spouse program. The rates as I mentioned at lunch the other day would be on step rate basis. Here's what we`ve developed: Employee Age Monthly Premium Per $5,000 IInder 40 $1.20 40-49 2•�� 50-54 5.20 55-59 7.70 60-64 11.70 The coverage would term.inate when the employee attaines age 65. The program would be offered on an evidence requirement basis.. John, we would be agreeable to an open enrollment period with some specif ic guidelines which we can work out at a later date. Although this may not be the time John, I feel we should also in the very near future, discuss changing the City's Dependent Life Program to a step rate basis. John, if you�e ny additional questions or points I haven't covered., please call me. ,.. ' .� i' si . ; y, ona d E. Lease, Manag Group Administration DEL:gv � . ��NES� � � . r�� . � .;- �w �65�� THE MINNESOTA MUTUAL LIFE INSURANCE COMPANY 34S Cedar Street, Saint Paul, Minnesota SS101 • Telephone 298-3500 Area 6!? April 17, 1975 Mr. John Devlin Civil Service Department City of St. Paul City Hall St. Paul, Minnesota 55102 Re: $5,000 Soouse Life Insurance Dear John: This letter is in response to your concern over the conditions of the proposal by Minnesota Mutual Life Insurance Co. for $5,000 Spouse Life Insurance. As we discovered, the coverage was quoted without double indemnity provision for accidental death. This was an over- sight in not taking this into consideration. As I .understand it, all the group dependent life insurance coverage written by Minnesota Mutual with the exception of the coverage for Public Employees does n�t have the double indemnity feature. Minnesota Mutual has agreed to provide the double indemnity feature to the program at an additional charge of .06� per month per $1,000. The monthly premium would then be as follows: Employee Age Monthly Premium per $5,000 Under 40 $ 1.50 ' 40 - 49 3.00 50 - 54 5.50 55 - 59 8.00 60 - 64 12.00 . You questioned whether or not the additional premium should be less than .06� per $1,000 because of the number of fema2es who would be iasured. Don Lease checked with the underwriters and advised me that their experience on this type of coverage reveals that there will be more males insured than females and that the males are generally two to three years older. � Mr. John Devlin April 17, 1975 �� You also questioned whether or not waiver of premium would apply to this coverage should the� employee become Cotally disabled and qualify for continuation of his life insurance without further premium payments. The answer is yes. One further question concerned the conditions of the proposed open en- rollment period. The company has agreed to an open enrollment period wherein applications will be accepted for $5,000 Spouse coverage with- out evidence of insurability subject to application by 50% of the eligible employees. Should the City adopt this additional coverage, the agency is prepared to contact the departments and their employees. If we can secure any additional infozmation or be of further assistance, please let me know. Sincerely, Harry R. Ochs Agency, Inc. i David D. Smith DDS/cm � .. -.�.� X ' . . .. . . �. �„�� l Y :. �-,� � : ...� ,��1� ,,"" ` ------ - �-- --�---- --------�- ----- ----- - ----------- °�•�- � . s � � �' �;..�MIK�'�— FINANC�LEi'RK �. ; . � � ... � , ' � . . � . � COY�Cli �'`` ''�� +Titr V��r,�. ,�.��N�Rr._DEOARTMENty. De�vl�.n � GITY OF SAINT PAIIL . � 'K . . - � '� �- „�E —M„Y,OR _, . .. . Fl� ..N 0.� ��.�;— #l. :_- -� � � � � � - . . � . l, �y�� . . Council Resolution - � - � *��4 � . �� -� �� .. . . ' � . . v •4 tir �t�. - Preseated By .. - � �Y .•r . ; . .. s .._ � _ . ' Referced To Committee: Date -:r-�� , ;, Out of Committee By Date � - - �. . .� �:, WHIItEAS, The Minnesota Mutual Life Lnsurance Company i.nsures the I,�ves oL ��r =s -' the employees oP the City of Saint Paul and the Independent Schiool District No. 62�j "��,'� _ and their dependents under Policy No. 2881-G; and, � ��•; _ - �;:,�;,� . - . _�..L., �=.r: � WH�tEAS, The Minnesota Mutual Life Insvrance Company in letters da,t.ed �� r:,: -�- March 25, Ig75" and april 17, 19'j5, which �re attached. hereto and made a part:hereoP � �� ¢ ;� by refprence, indicated. their willingness to increase the coverage on the spOn.ses_of `� � ''�'� - suc�i employees to an additional $5,000;:and -, , ' `"'` ,; �;:� _ , . . � � .M . , . - ._ " �. { `� � WHF�tEAS, The Health and Welfare Izzsurance Advisory Co�mittee �f the City of "v ,�; �_- ;; Saint Pa.ul u.nani�ously recom�end that the Council of the City of Sa.i.nt Pa�ul pass a- � �.-,� -.�-�: � resolution making avail2ble this $5,000 additional life insurat�ce on the spouses of th� .�- K : em�loyees and at the e�aployees .expense; and, be it therefore = - == S`�- , . � ,, .. - �'` "-'-.r'� ., , , , ..; x. . , , _.. :. - _. . RESOLVID, That the proner City Officials axe hereby euthorized -and direc�ed� '''��' �� to wmc�nrl.:the' existing Contract r?o. 2881-G so as to provide an additional-$5,00�! liP� •��;_�� insurance providing double inde.^mity in the event of accidenta.I: death and wa3vez� oZ ��`� premiUm in the cvett of the total disability of the employee at the-follot�ring rat�es as.�,r o� � set fox th: by the Minnesota Mutual. : }, - � - _:. � a�,;° w ,_,��:�i � � , _ .- .... - , - ,�.,� . - . ` � = _ �_. ,, _,_� E�nployee A�e t�ionthly PreTnitan Per $5,400 , _ "`y'� .,.� • - . ar � _UT1C�P.T' � � . 4 _,. �� '�� _ - 40 - �+9 . _ 3.oo ' ��: �,� �� .�- . 50 _ 5� �,50 � ��. �- ��` '�� -" � _ 55 - 59 8.00 ..�. �` �� ''�: , 60 - 64 _ 12.00 � .. - . . : , . �„ a _ _ ; ... . __ : _ .� _ . .. -; .f _; . � _. � �� - This covera.ge will terminate when the ernployee attains�.age 65: �d, be it � �.= �� . ,. � '` � ` - ,. .� , . . . ; � :. . . _ "'`�► LL _ ., _. _ : . _. .. .... , , _, ., . .. . , ,:, � . ._ . � FURTHII3 RFSC)LV�, A period of open enro7lment sha,ll tie inaugura.td��-du�img � �'�� , : ,, which an Io ee a 1 for this 5,000 insurance on his her� �spouse �ith�►ut; � �L �P Y �Y PP y � � ,�• �'4v r evidence of insurability, providing however tha� 50°� of all eli.gible empl+oyees 'app3� ;�� `*r for coverage otherwise evider�ce wi11 be taken, and be it f'urther - �.. ° --- •� M . . � . . . . _ . . .... ..'f . ' , ' �p ty'�_,� - . . . �_ � .F.✓�',: . . . . . , ... . �_, ., . . . . . . .. .. �� „ ..�s- �OVI,��I�{�Jl• �. . - - . . - . � .. .. � .: . . ' �.. 'i . :. � ' 7.. . � _ Requested by Depactmeat of;^� � ;` ' ' Yeas Nays :,, ;:, � �� ;._�Ciuistensen _ , , .'. � _ = . �� -`�-- ,� �,:.. Hozza In Favor . �-� � . . :.: � Levine . _"' ��;.�� -" : Roedler - Against By 1 ,. ,�`'::� ,. � Sqlvester , � „ ' _"•''-_ � - � Tedesco d _ - ,� .�. ;�. �J Peesfdeat Haat - _ v . ..� :t � .�'.'�.� { - � Form Approved 6q City Alttorneq e,.'.,,�_ .` , ��`�F`:14� �-- Adopted bq Crnmcil: Date _ u�.� ::��,�_�_�g +,.. 4 ° � r: �:-:r -; :_ - B� � ; �: y� . { Certified Passed by Council Secretary � � �-_,. �.� � +B _ ' . ,** —r,�'{ ¢-��„"�� Y _,. ` .:" � �:�"' , ;� .� � � . .. . � .: - k �' � ` ' A roved d[a or for Snbmissioa to`C` �s9 � �-� �,Ap�roved bY�IaYor: Date PP bY Y � � . ��+r� - � � .. .��..- . . . . . .- - . .. . . . -. - .. .- ,W;,v° �' ,,,,Ft w.;,tF^�,,,»��,w.. ; . ^v, .... . . .'. ..: T'�` .. , . . ..,. � ,. .-. . - -. t..k ��" , � ,. . . - �' ^ - gy - } t:,, -•N �r�-;'�r„ . _ . >,��, � .� �, : . �; ., � - _ �- t _ .x� . ,� . ,. . . ,. . �: .. � � � *� "�" ��---- ----�--------.- ----- --------------- ----�-,ia,,c-- �; * ,��;_ -----_---- — �. NMf�r "►Ct T'�' GLBtK.: � : ` � /?` �� .y.�e . l �:`c:N:.ri=,�",."R MENT= J: Devlin G I TY O F SA I NT PALT L : Ca�nac�i a f��. ��„U� �+MtAY OR � . . . .� • ' tl- ,� F'ile NO " - : _ ,. .. - ;:: , , . , °, , � � ,�;-� �,'� � � Council Resolution. - � ,. � .t; _ . . ., - . . . . . . - . '1e- �t 4a'Y`' s,. . . � _ . _- "�* � n*:;;a�,� :._ � BY , � ,� r�=Ptesented _ �. _ ` � ., _ � _ :,;. _ . " "��:� ,. � �- Referred To Committee: aate .� �-- _ ._-,�.- ° . ,� -�� t�: _ _ .� . -, ;. Oat of Committee By Date __ -.= ;,;. - ,, - _ x � � . RESOLYID, The effective date of this additioneS insurance shei.11 b�-�Jbne l� �.'' `� � ,' : ,. � 19T 5s �d be it _ -� � ' ��r'� .. ,. �:,,� - . ' ° • ' �� , , : r�� . � :FIAALLY RESOLVID,' That the City Clerk is hereby sutharised a�d di•rEC�ed �n ,_,�„ � '.�� `send copies of this resolution to the Minnesota Mutual I�ife Insurance Compex�I � ' M �� .y te;f, . - � . . . . . . . . . . . T. 4 � . .. . . . � . , � v.. � �� . � � ;.. �� _: _ ; , . . . . � . . ��. . . .� ;. �� _ Y - .. r < � ._ . �.. . �.- . Y . ". - . �. � _ .c ' ' _ . � � .. .... . . . �: . . � -,,�, _ .. . . . - ... !t.;�:'��[;,�m ��' ^ .. . . � .. . . .. ,. . ... . . . i. �C '�?k.�`' ''r .i� �� ~� �'"f . . - `� . - � . . � . . .. . . . . . . . '' '^�w .. . '.� _'fi.: f •,- . . � . � �.. . . . . . . �� . ��'> . - �. . •.,if} - , a . ^.s..� .�ii ",.. y -. �... . . ; . .. � - . . . ,. },j .. , f . , rc ., ; - . . � . ' s', '+ d:� ��5„�Y ..._ . . , .�. . .. . .. ._ �� . - �' � �Y .. ` _ � t "+�4 ,S, ��..�_. . �-�._+ . . . . . . . . '. ��k"K: �� . . . . . � � - � , . , 6 ��` . r� ��. ; • � y .. > .- � '� �. . . . . . _ � . . . �� w . • ' # Y` , . . Z. . _. �. . . r..,, fi ,. •:.., - . . . . . � . . ��'� . ' .,. . .. .._ ... . ... �� - �.. � . -. � _, ' :�i ��a_ �� . _ t � �,�^v -..'., - . . .. -- _ .- - . . .. . - .�,� .. . .-'^ �# '!4� � . . . . �e � . . . � - , . . . � � "�,. ,.�: � . �. - �'- ... - . � � . , . . . .. .. � . v z . � - ► # y ` . .. . _ � . . - . � �.."�a7' °'�i � _..� _�^F.. $ _.. .. .. .- . .. .. _ .. . ,. . � � �.x 4 _ � l + r i� �. _ ' � ,. . .. � �. ... �"� �,, � . i`� ��' -`� i � ... : . . y:_ _. : . • : t . .. , i �„ _ .. ,. . . � . ,� �� ^ '' . �'„.� " - �� - - ' . . .:: a � . ,�� _ . . . . . . . , .. �':: .. � .-'C �3�� L� �� ' . ' _ � � .. ',p j �_ A_ `�� '��'Rt , ._ � -.,. ' � �:. " � �-� '�dlc7��. .. . �. . . . . � �. . .. . .. f . �- � ..�K�s;, _ - . . ,.. ., . .- . .. .. .- ..- _'.`s , ��-_ '.._. . � . '..� •+ .� . .:�',: .. � ♦ " v ' . . . _ i. �" .�,. . :y . .0 ..�.'-;�. .. - . . . . - . . i .. � � , .. ,. .. . . . � . -- :. . _.. . . . .. ��.�'_ , 3 '. "" . � . . . . - , r . � - :y�� ,'�... ' . . , _. . . � t . , 7 w ' '� . , _ '?' r�3 �e,'"ri'� • _ - . _ - e . ' : . ., �. : - „`� �r . . , � - � f '�.�.: � _ - •�, � , �. � � � . � : -. . . � �..:. .�:.� •;_: .+ � .. � . -d�r`� . . .. � �`� � C`� �{ �� . R . . .. . . � - � �,,. ` s� �,� �..� �`��, 'q ..:� ..�;�� . . • . .- . .. . - '-: . . '- . . ` . . . .. �-': . . . ... . . .� .. �: -� . -_.� f " -r �. . l� .�t � '- . .. � �- - '.. . � . . . .. � . . s ,. _.:."i r`k.� +. . �� .. . � . . �� . ...- " �.� �. . . . � . _ . . .. . y�'_..ae ir . ,� sti�� . .� - � .- � .. � . � � - . �� . - _ _ . � .. .s a' i.��,.. . . ��. , ' ` "� :.t. .... . - � .. . .. . 1 '" i" ♦ _' . ' �. . . . . . . . .. :- ... _ .• .�._ .` �:_ :.y�' ,. . . . , . � � �.. � �. � v�� - . � . .. . . : . . - . . . � t ..` Yeas - Nays _ ' . Requested by Departa�nt of;' , ��,�-� �?.�• � - _, , , .. R+ � -Ci�nstensea- . . ._; �.:,�'�' ��' �+�� - Hozza - in Favor �.._ "` _ . . . : . .� � - _� , . . F4 �; Levme ; . L , .� ,� ., _- ��1r �._t -_ � ��: --` - Roedler - Against By � � • -` ' �, ,�,�. _ Sylvester '� � � v - " ._ Tedesco r _ r-:* '� Z: � ,,�� .., j s P:esident Hunt. _ _ ": "�,� .k* " � . . Form ApQroved by CitY_��Y � �`~°~ � `� � � _ z,� � Ad�opted-6y Council; _ Date ` � _ . r� _ , - ,_ .� =� �_ � �* �� : t _ } �- , ,. ,� � `�-rettified Passed by Couacil Secretary . BY - _ �;oik'�- " ~.. � . . . . � . �- , - . ' �, `_ :# ��'F+�.�•�. ., , _ � ��i .B�►��„ _ �z„- ` �,,��,A,r�`��,, ��:,1, ,�_ � . .: L - �� ,, . � . ��, . � �.�toved'bgr Nay�c, -,_�ate � ' APPloved bg ltayor for Snbmieslo��o �'�-� _ .. - � - . � , _ , . . _ � . , . � '� aw .... ,. .;__� . _ . - ��.:. ., - -P ,. , a�;`�.� '' e� � �. �. . . . : . _ . . . . < - , , , .. . :- .. .�.:, -�.;�, _.. . �.. gy . . . : Do not detach this memorandum from the drdinance so that this information will be available to the City Councif. ��55� REPORT TO THE flONORABLE LAWRENCE D, CpNEN� MAYOR __._.�.�. ^ �____- ,T- FROM: Thomas J. Kelley, City Administrator` ' ; DAT'E; May 20, 1975 ' REGARDI�TG: This resolution makes ava.ilable $5,000 ditional life insura.nce on the spouses of the employees at t�employees expense. � � ; ; i ; SOURCE: Health a.nd Welfare Insurance Advisory CoTrnnittee ACTION REQUESTED:I recoaunend your approval and submissi�n of this resolution to the City CounciL � ATTACHMENTS: Resolution and copy for City Clerk. t � �