OD. Restrictions for Newly Hired Employees: Newly hired employees must sign up for a minimum of
one (1) year with plans “a” ,“b” or “ce” and may change to another plan during the normal group re-
opening period.
E. Comparable Plan Definition: For the purposes of this Article, a comparable plan means no additional
out-of-pocket increases to employees and no reduction in current benefits. in addition, the plan must
provide reasonable access to health services and physicians, including specialists and hospitals
F. Birthday Rule: Employees who are married to another employee of the city who also subscribes to a
plan will be subject to the birthday rule. The birthday rule states, whichever spouse’s birthday falls first in
a calendar year, is designated as the subscriber to any health plan.
ENROLLMENT: New employees who wish to enroll in a health insurance program must enroll in one within
the first thirty (30) days of employment. Current employees who want to change their carrier or to subscribe
to another program can only do so during an annual “open enrollment” period or as otherwise provided.
ANNUAL AUDIT: The City of Nashua hereby agrees to conduct a yearly loss ratio analysis of all Health
Insurance plans offered to employees and return all employee overpayments in the form of a Health
Insurance Premium Holiday at the completion of the analysis.
LIFE INSURANCE
GENERAL POLICIES: Employees who work at least thirty (30) hours per week may participate in the term
life insurance program. The benefit is equal to one and a half (1.5) times an employee’s annual base pay
with the City paying one hundred (100%) percent of the premium.
OPTIONAL TERM LIFE: Optional term life is avaitable at full cost to the employee.
WHOLE LIFE: Whole life is available at full cost to employees who work twenty (20) hours or more per
week.
DENTAL INSURANCE
CONTRIBUTIONS: The City will pay one hundred (100%) percent of the premium for a one- or two-person
dental plan such as Delta Dental. Employees electing to participate in a family plan will pay the difference
between the cost of a two-person and a family plan.
PART-TIME EMPLOYEES: Regular part-time empioyees working a minimum of twenty (20) hours per
week are eligible to enroll on a pro rata basis.
HiGH OPTION PLAN: Those employees covered by Dental Insurance under this article may elect to
participate in the High Option Plan available through Delta Dental. The employee shall be responsibie for
paying the full additional premium cost for the High Option Plan.
OPEN ENROLLMENT: Employees who wish to change carriers may do so during open enrollment.
