215 ILCS 5/367g
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 979g)Sec. 367g.     Police officer's continuance privilege.     As used in this Section:1.  The terms "municipality" and "creditable service"  shall have the meaning ascribed to such terms by Sections 3-103  and 3-110, respectively, of the Illinois Pension Code, as now or hereafter amended.The term "deferred pensioner" means a police officer who has retired,  having accumulated enough creditable service to qualify for a pension, but  who has not attained the required age.2.  The term "police officer" shall have the meaning ascribed  to it by Section 3-106 of the Illinois Pension Code, and include those  persons under the coverage of Article 3 of that Code, as heretofore or hereafter  amended.3.  The "retirement or disability period" of a police officer means the period:a. which begins on the day the police officer is removed from a municipality's  police department payroll because of the occurrence of any of the following  events, to wit:  (i) the police officer retires as a deferred pensioner,  (ii) the police officer retires from active  service as a police officer with an attained age and accumulated creditable service  which together qualify the police officer for immediate receipt of retirement pension  benefits under Section 3-111 of the Illinois Pension Code, or (iii) the  police officer's disability is established under Section 3-115 of the Illinois  Pension Code; andb. which ends on the first to occur of any of the following events,  to wit:  (i) the police officer's reinstatement or reentry into active service  on the municipality's police department as provided for under Article 3 of  the Illinois Pension Code, (ii) the police officer's exercise of any refund option  available under Section 3-124 of the Illinois Pension Code, (iii) the police officer's  loss pursuant to Section 3-147 of the Illinois Pension Code of any benefits  provided for in Article 3 of that Code, or (iv) the police officer's death or --  if at the time of the police officer's death the police officer is survived by a spouse  who, in that capacity, is entitled to receive a surviving spouse's monthly  pension pursuant to Article 3 of the Illinois Pension Code -- the death  or remarriage of that spouse.No policy of group accident and health insurance under which policemen  employed by a municipality are insured for their individual benefit shall  be issued or delivered in this State to any municipality unless such group  policy provides for the election of continued group insurance coverage for  the retirement or disability period of each police officer who is insured under the  provisions of the group policy on the day immediately preceding the day  on which the retirement or disability period of such police officer begins.  So  long as any required premiums for continued group insurance coverage are  paid in accordance with the provisions of the group policy, an election  made pursuant to this Section shall provide continued group insurance coverage  for a police officer throughout the retirement or disability period of the  police officer and, unless  the police officer otherwise elects and subject to any other provisions of the  group policy which relate either to the provision or to the termination  of dependents' coverage and which are not inconsistent with this Section,  for any dependents of the police officer who are insured under the group policy on the  day immediately preceding the day on which the retirement or disability  period of the police officer begins; provided, however, that when such continued  group insurance coverage is in effect with respect to a police officer on the date  of the police officer's death but the retirement or disability period of  the police officer  does not end with such police officer's death, then the deceased police  officer's surviving  spouse upon whose death or remarriage such retirement or disability period  will end shall be entitled, without further election and upon payment of  any required premiums in accordance with the provisions of the group policy,  to maintain such continued group  insurance coverage in effect until the end of such retirement or disability  period.  Continued group insurance coverage shall be provided in accordance  with this Section at the same premium rate from time to time charged for  equivalent coverage provided under the group policy with respect to covered  policemen whose retirement or disability period has not begun, and no distinction  or discrimination in the amount or rate of premiums or in any waiver of premium  or other benefit provision shall be made between continued group insurance  coverage elected pursuant to this Section and equivalent coverage provided  to policemen under the group policy other than pursuant to the provisions  of this Section; provided that no municipality shall be required by reason  of any provision of this Section to pay any group insurance premium other  than one that may be negotiated in a collective bargaining agreement.  If the group policy provides for a reduction in benefits and premium for  insureds who become eligible for medicare, such provision shall apply to  persons electing continued coverage under this Section.Within 15 days of the beginning of the retirement or disability period  of any police officer entitled to elect continued group insurance coverage under any  group policy affected by this Section, the municipality last employing such  police officer shall give written notice of such beginning by certified mail, return  receipt requested to the insurance company issuing such policy.  The notice  shall include the police officer's name and last known place of residence and the  beginning date of the police officer's retirement or disability period.Within 15 days of the date of receipt of such notice from the municipality,  the insurance company by certified mail, return receipt requested, shall  give written notice to the police officer at the police officer's last known place of  residence that coverage under the group policy may be continued for the  retirement or disability period of the police officer as provided in this Section.  Such notice shall set forth:  (i) a statement of election to be filed by  the police officer if the police officer wishes to continue such group insurance  coverage,  (ii) the amount of monthly premium, including a statement of the portion  of such monthly premium attributable to any dependents' coverage which the  police officer may elect, and (iii) instructions as to the return of the election  form to the insurance company issuing such policy.  Election shall be made,  if at all, by returning the statement of election to the insurance company  by certified mail, return receipt requested within 15 days after having received it.If the police officer elects to continue coverage, it shall be the obligation  of the police officer to pay the monthly premium directly to the municipality which  shall forward it to the insurance company  issuing the group insurance policy, or as otherwise directed by the insurance  company; provided, however, that the police officer shall be entitled to designate  on the statement of election required to be filed with the insurance company  that the total monthly premium, or such portion thereof as is not  contributed by a municipality, be deducted by a Police Pension Fund  from any monthly pension payment otherwise payable  to or on behalf of the police officer pursuant to Article 3 of the Illinois Pension  Code, and be remitted by such Pension Fund to the insurance company.  The  portion, if any, of the monthly premium contributed by a  municipality for such continued group insurance coverage shall be paid by  the municipality directly to the insurance company issuing the group insurance  policy, or as otherwise directed by the insurance company.  Such continued  group insurance coverage shall relate back to the beginning of the police officer's  retirement or disability period.The amendment, renewal or extension of any group insurance policy affected  by this Section shall be deemed to be the issuance of a new policy of insurance  for purposes of this Section.In the event that a municipality makes a program of accident, health,  hospital or medical benefits available to its police officers through  self-insurance, or by participation in a pool or reciprocal insurer, or by  contract in a form other than a policy of group insurance with one or more  medical service plans, health care service corporations, health maintenance  organizations, or any other professional corporations or plans under which  health care or reimbursement for the costs thereof is  provided, whether the cost of such benefits is borne by the municipality or  the police officers or both, such police officers and their surviving spouses shall have  the same right to elect continued coverage under such program of benefits  as they would have if such benefits were provided by a policy of group  accident and health insurance.  In such cases, the notice of right to elect  continued coverage shall be sent by the municipality; the statement of  election shall be sent to the municipality; and references to the required  premium shall refer to that portion of the cost of such benefits which is not  borne by the municipality, either voluntarily or pursuant to the provisions  of a collective bargaining agreement.  In the case of a municipality  providing such benefits through self-insurance or participation in a pool or  reciprocal insurer, the right to elect continued coverage which is provided  by this paragraph shall be implemented and made available to the police officers of  the municipality and qualifying surviving spouses not later than July 1, 1986.The amendment, renewal or extension of any such contract in a form other  than a policy of group insurance policy shall be deemed the formation of a  new contract for the purposes of this Section.This Section shall not limit the exercise of any conversion privileges  available under Section 367e.    (Source: P.A. 84-1010.)