236152 7 °
ORIGI L TO CITY CLERK
�- � � CITY OF ST. PAUL FOENCIL N0. ����
OFFICE OF THE CITY CLERK
' C UNCIL �OL TION—GENERAL FORM -
PRESENTED BY ' S
COMMISSIONE DATF
RESOLVED, That on the recommendation of the Health an.d
Welfa�e and Insurance Committee, the Council of the City of
Saint Paul hereby authorizes the Ochs Agency to disseminate
information relative to the proposed plan of Salary Continuance
Disability Insurance for employees of the City o� Saint Paul
who desire , at their own cost, to be covered under such an
insurance program under the plan submitted by the St. Paul Fire
• & Marine Insurance Company under its proposal, copy of which
has been attached hereto, marked "Eghibit A'� and is incorporated �
herein by reference ; be it
' FUR,THER RESOLVED, That the proper City officers are
hereby authorized to make payroll deductions on behalf of
those City employees who subscribe to such insurance program;
be it
FINALLY RESOLVED, That the City Clerk is hereby authorized
and directed to send copies of this Resolution to the St. Paul
Fire & Marine Insurance Company and to the Ochs Agency.
FOR APPROVED � . .
Asst. Corpo ion C unset �
D�C 1319�7i
COUNCILMEN Adopted by the Council 19._
Yeas Nays '
� Carlson pEC 1319��
Dalglish � , Approved 19.._
Holland
Tn Favor
Meredith � �
Peterson (/ �yOr
� Tedesco A ga�t
Mr. President, Byrne p�g�,�$}1EB ��� �� 19��
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-- Enclosed her�wi�h is � c �of R�so �on of the�C3.t3� = � � � _
Co�inci�., of tri�, C�.tx-of Saint Paul, F. 23 , addpted DecemSer":_ ': -, �
-� _ . 13, 1967, pert�.in�ng ta �he propose an . Sa1.�xy Continuance � � � . - ,"
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,. � Enclosed herewi�h is a of Res �:�on bf the Ci�y -, - . . '
� ° . Cou�cil of the C�ty of Saint Pau1; . -�`.=2 2, e.d.o�5ted December _ � � � ` „
13� -1967,_"per'taining to t�e proposed ' Saler�►`'��ontinuance ' - ' �
- ' � Disab�lity Insurance for emp a:.of , � City ,of Sai,rit Paul. , ; °
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• � INSURANCE COMPANIES
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Serving you a�ound the woild...around the c%ck '
385 WASHINGTON ST..ST. PAUL,MINN. 55102 Octot�er 6, �g67
Tom Anderson, Personnel Ass't. ,
City of St. Paul
Civil Service Bureau - Court House .
St. Paul� Minnesota
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15a].arY Continuance Disability Insurance � ,
' Employees of the City of . Paul �
Dear Mr• Anderson: , ,
The captioned coverage which is presently in force for over eight hundred (800)
employees of Ramsey County is evidently causing inquiries �s to whether similar �
coverage is available for employees of the City of St. Paul. ' ;
S3nce the St. Paul Fire & Marine Insurance Company would be pleased to offer �
similar coverage to employees of the City of St. Paul enclosed is a sample �
solicit�,ation letter outlining benefit periods, benefit amounts, cost, etc. now _
availsble to employees of Ramsey County.
Af'ter you've had the opportunity to go over this material we'd certainly •
appreciate the opportunity to discuss this with you and answer any questions ,
you might have. " � �� " � '
Sincerely, . ,
. ,� w. �...�—
Fred W. Kerst .
Health Special Risk Ass't. Supervisor
h�
EXHIBIT A
THE ST. PAUL INSURANCE COMP�CNIES ST. PAUL FIRE AND MARINE INSURANCE COMPANY
ST. PAUL MERCURY INSURANCE COMPANY • WESTERN LIFE INSURANCE COMPANY
� - . _._ . _ --^--..
a �
^ `:� IMPORTANT �1T[JZES �t�`"�►��`�
OF YOUR ...
SAIARY CONTINLTANCE DTS�ABSLITY INSURANCE PIAN
WHO IS ELZGIBLE? ' ' �
All fltll time active R�msey Count,y ESnployees, ages 18 through 64. If on the date
the insurance of an eligible person wo�uld otherwise beco�e effective� such person
is absent from work because of (1 ) in3uries, sickness or disease or (2) leave of
absence, that person's insurance shall not becone effective until the first clay
he returns to work on an active� f�ll time basis.
BENEFITS
A. How much will you receiveY Hhen you are totally disabled� yo�a will receive
the monthly be;�efit you select and quali�y far.
The monthly benefit will be re3uced by any a�nount gaid or payable under any �
Wor}Qnen's Coinpensation Law or Act. _
B. When do benefits begin? On the 181st day of continuous tota.l disability.
C. How loag are benefits pa.id? As long as you are continuously totally disabled
and require the regular care and attendance of a physician - up to ;jo�ar 65th .
birthday. •
D. What is the definition o� to,.a7. disability? "Tota,l Disa.bilitv" means the
inability of the perso� to per�orm every duty per'Fs�ining to hi.s reguls.r
occupation. However, after benefits have been paid for 24 months in any one
period of continuous disability, then for the balance of such period., "Tota.l
Ihsa.bility" shall.mean the inability to engage 3n business or occupation of
any kind for which he is reasonably �itted by educa,tion� training or exper-
ience.
E. Do you continue to pay premitnn when disabled? When you are disabled and
receiving benefits under the plan, payment of premium will be waived during
the period. such benefits are paid.
F. What happens iP disa.bility recurs? A recur-rence of total disability from the
same or rel.ated causes will be deemed a continuation o� the prior disa.bility
tm].ess between such period.s you ha.ve performed the duties of your regular
occupation on a continuous f"ull time basis for at least six months, in whieh
� event such total disability sha,ll be deemed a new period. of total disa.bility.
1
G. What happens to claimant getting benefits iY plan is �exminated? Any claims i
inctxrred while the policy is in effect will be continued regard.less of plan
termination.
PRE-F.�S�NG CONDTTIONS II
Sicknesses due to pre-existing conditions are f�a].ly covered. Anyone failing to
apply within 31 days of eligi.bility xill have to �arnish Evi.dence of Insurability
sa.tisfactory to the inaura.nce compa.ny before the coverage ca;n be made effective.
Present employees who do not enroll when their unit qualifies will be required to
furnish Evidence of Insurability satisfactory to the Company.
WHAT IS NOT COVERED?
The only exclusions are: Suicide or self-inflicted in�uries� war or any act of
war, pregnancy, in�ury sustained before effective date of plan or from air travel
other than as a passenger as defined in policy.
. � ,�
_ .��•.
NO CANCELLA7�ON OF SNDIVIDLIAL INSURANCE ,
Your insurarice ca.nnot be terminated by the Insu.rt�,nce Company for any reason
as long as you remain an eligible employee of Ramsey County, the group policy
remains in force and the pre�nium is paid. Eligibility for benefits will cease �
at age 65. ' �
ARE BENEFITS �1XARLE?
The present general interpretation of the Federal Incame �-a.x laws is tha,t .
Salary Continuance Disability Insurance benefits are not taxable, when the cost
of the insurance is paid by the employee. •
HOW MUCH MONTHLY BENEFIT CAN YOU QIIALIFY FbR AND HOW MUCH WILL IT COSTT
Less tha.n $4L800 Annual Sa.lary Over $4,800 but less than $7�000 Annual Salary
Monthly Benefit Monthly Cost Monthly Benefit Monthly Cost •
$ioo.00 $2.�+0 $ioo.00 $2.�+0 '
1�+o.o0 3.36 ��+o.o0 3.36
200.00 �+.80 200.00 �+.80 .
300.00 7.20 �
�7,000 Annual Salary or More
� Monthl BenefYt MonthlY C-o�st�-
100.00 —�2�+0
1�+o.o0 3.36 • .
200.00 �+.80
300.00 7.20
� 400.00 9.60
iNSt9RANCE CERTIFZCATE
This description of coverage is not to be cons3.dered a contract of insurance.
Insurance Certificates �l.ly describ3ng the benefits and conditions of the
actual policy will be 3ssued to ea,ch insured employee.
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