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ARTICLE XI <br /> <br />11.1 EMPLOYEE INSURANCE <br /> <br />11.1 <br /> <br />11.2 <br /> <br />11.3 <br /> <br />Health Insurance. The City shall contribute the following amounts toward the <br />payment of premiums for affected employees and their dependents under the existing <br />health insurance programs or new program or programs providing substantially <br />similar or improved coverage and benefits selected in accordance with procedures in <br />effect on the effective date of this Agreement: <br /> <br />For each such employee who is covered under a spouse's non-City sponsored <br />health plan, the City will pay the employee a cash payment each month in an <br />amount equal to 50% of the monthly premium amount for the City's lowest <br />"employee-only" coverage, if said employee waives, in writing, City-paid <br />coverage. <br /> <br />Effective January 1, 2002, January 1, 2003, and January I, 2004, <br />respectively, the City shall contribute toward medical premiums an amount <br />consistent with the rates then in effect for each tier of the Kaiser California <br />CalPERS HMO plan. <br /> <br />Dental Insurance. Effective January 1, 2002, the City agrees to contribute a <br />maximum of up to fifty dollars ($50) per month per employee toward the payment <br />of premiums for dental insurance plans provided by the City for employees covered <br />by this Agreement and their eligible dependents. Effective January 1, 2003, the City <br />contribution amount will be increased to a maximum of up to sixty dollars ($60) per <br />month per employee. Effective January 1, 2004, the City contribution amount will <br />be increased to a maximum of up to seventy dollars ($70) per month per employee. <br /> <br />Any contribution necessary to maintain benefits under said dental plans in excess of <br />the amount set forth above shall be borne entirely by the employee. <br /> <br />Long-Term Disability (L.T.D.) Insurance. Effective January 1,2002, for the term of <br />this Agreement, the City shall contribute up to a maximum often dollars and thirty- <br />nine cents ($10.39) per month to employees enrolled in the 130 day elimination <br />period LTD plan. For employees who elect to upgrade their LTD benefit coverage <br />to a 60 day elimination plan, the City will contribute up to eleven dollars ($11.00) <br />per month. Any amount necessary to maintain benefits under the long term disability <br />insurance plans provided by the City in excess of the amounts set forth above shall <br />be borne by the employee. <br /> <br />11.4 Life Insurance. The City shall maintain in effect for the term of this Agreement its <br /> <br />45 <br /> <br /> <br />