Paying for coverage. You do not have to show that you are insurable to choose continuation coverage. However, under the law, you generally will have to pay the full cost or premium for your continuation coverage including any portion of the cost or premium which is covered by the City for active employees and their families, plus a 2% administrative fee. (Persons who are covered for 29 months instead of 18 months because of disability must generally pay 150% of the cost or premium for the extra 11 months of coverage.)

Individual conversion policy. The law also says that, if your continuation coverage goes to the very end of the 18-month, 29-month, or 3-year continuation coverage period, whichever applies, you must be allowed to enroll in the individual conversion health policy then provided under the plan, if any then exists.

For more information. If you have any questions about continuation coverage, or if you have changed marital status, or, you or your spouse have changed addresses, please contact the Personnel Officer.

Section 10.4 - Life and Accidental Death and Dismemberment Insurance. Unless otherwise modified by an applicable labor contract, life insurance and accidental death and dismemberment insurance are provided to all probationary and full-time employees six (6) months after the date of hire, and may be provided at an earlier date upon direction from the City Manager in a written memorandum to the Personnel Officer and the Finance Director. The amounts of term life insurance provided to each employee will be determined by the City unless such amounts are designated in an applicable labor contract.

Should it be deemed appropriate, the City Manager may authorize the purchase of insurance for new employees which is equal in value to that currently provided for similar classifications.

Section 10.5 - Death Benefits. If an employee dies while in the employment of the City of Oakwood, the employee's spouse or beneficiaries may be entitled to certain benefits through the City of Oakwood, State of Ohio pension system and certain private groups or organizations. Survivors are encouraged to contact City representatives to ascertain what benefits are available.

Benefit privileges will vary depending on the department in which the employee worked. City representatives will be able to advise survivors what benefits are applicable and what if any benefits may be available in addition to the benefit package provided by the City. Listed below are those benefits available to departmental employees. In many cases, benefits are contingent upon an employee's years of service.

• Death benefits through the Ohio Public Employees Retirement System (OPERS) or the Ohio Police and Fire Pension Fund (OP&F). (Benefits based on years of service.)