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Home My WebLink AboutAgenda Packet 10-21-2025 SPECIAL CALLED CITY COMMISSION MEETING AGENDA FOR OCTOBER 21, 2025 5:00 PM CITY HALL COMMISSION CHAMBERS 300 SOUTH FIFTH STREET Any member of the public who wishes to make comments to the Board of Commissioners is asked to fill out a Public Comment Sheet and place it in the box located at the end of the Commissioner’s desk on the left side of the Commission Chambers. The Mayor will call on you to speak during the Public Comments section of the Agenda. ROLL CALL INVOCATION PLEDGE OF ALLEGIANCE DELETIONS PROCLAMATION National Animal Shelter Week - Traci Phelps, Director of the McCracken County Humane Society PRESENTATION Insurance Update - DJ Story, Benefit Advisor, HUB PUBLIC COMMENTS MAYOR PRO TEM REMARKS Items on the Consent Agenda are considered to be routine by the Board of Commissioners and will be enacted by one motion and one vote. There will be no separate discussion of these items unless a Board member so requests, in which event the item will be removed from the Consent Agenda and considered separately. The City Clerk will read the items recommended for approval. I. CONSENT AGENDA A.Approve Minutes for Special Called Meetings dated October 2, 2025, and October 3, 2025 B.Receive & File Documents C.Personnel Actions D.Approve acquisition of permanent right of way access easement for Pump Station #14 - G. GUEBERT E.Authorize Renewal Application for Local Expanded Jurisdiction - G. CHERRY F.Authorize a Request for Bids for City Hall HVAC Equipment and Duct Cleaning - C. YARBER G.Use of Spending Credits for Eligible Employees Pursuant to the City's Group Health Plan for the 2026 Plan Year - S. WILCOX H.Approve Strategic Health Risk Advisor & Strategic Benefit Placement Services with HUB S. WILCOX – I.Administrative Services Only (ASO) Agreement with Anthem Blue Cross Blue Shield - S. WILCOX J.Health, Vision, and Dental Benefit Plan Premiums for 2026 - S. WILCOX K.Stop Loss Insurance with Voya Financial Advisors. Inc. - S. WILCOX II. ORDINANCE(S) - ADOPTION A.Amend Section 20-23 of the Code of Ordinances related to Body Piercing - L. PARISH B.Revisions to the City of Paducah Remote Worker Incentive Program - N. UPCHURCH C.Budget Amendment for CDBG Grant for Entitlement Community Funds - A. KYLE III. COMMENTS A.Comments from the City Manager B.Comments from the Board of Commissioners IV. EXECUTIVE SESSION October 2, 2025 At a Special Called Meeting of the Paducah Board of Commissioners held on Tuesday, October 2, 2025, at 5:00 p.m. in the Commission Chambers of City Hall located at 300 South 5th Street, Mayor George Bray presided. Upon call of the roll by Assistant City Clerk, Claudia Meeks, the following the following answered to their names: Commissioners Henderson, Smith, Thomas, Wilson and Mayor Bray (5). INVOCATION Commissioner Thomas led the Invocation. PLEDGE OF ALLEGIANCE The Mayor led the pledge. DELETIONS: The City Manager requested to Remove Item I(D) from the Consent Agenda. PROCLAMATION: Communications Manager Pam Spencer provided the following summary: “Mayor George Bray proclaimed October as City Government Month in Paducah and encouraged local officials, employees, and schools to educate students about their city government and to engage them in city services.” PRESENTATION: Communications Manager Pam Spencer provided the following summary: Presentation from Humane World for Animals Regarding Retail Dog/Cat Sales “Kentucky State Director for Humane World for Animals Todd Blevins addressed the Board to provide a proposal for the City of Paducah to adopt an ordinance prohibiting the retail sale of dogs and cats in pet stores and outdoor venues in Paducah. Blevins said more than 500 municipalities including six in Kentucky (Elizabethtown, Frankfort, Lexington, Louisville, Radcliff, and Campbell County) have passed similar measures. This proposed legislation would not impact home breeding operations and would not impact partnerships or adoption events between stores and local shelters/rescues. Blevins said that since 2020 and the adoption of legislation prohibiting retail sales in many communities, the number of commercial breeders licensed to sell to pet stores has dropped. This reduction has reduced the number of dogs suffering in some establishments that were puppy mills.” MAYOR’S REMARKS Communications Manager Pam Spencer provided the following summary: Aloft Hotel Update “Mayor George Bray provided a progress update for the Marriott Aloft hotel which is to be rd built at 519 North 3 Street. The hotel has been designed with the plans submitted to the October 2, 2025 State for approval. The City is also waiting for final approval from the Corps of Engineers on the project. The hotel, a $15 million private investment, is proposed to have approximately 120 rooms. The groundbreaking is expected to be scheduled soon. This property is adjacent to the Holiday Inn Paducah Riverfront and within walking distance to the Paducah Convention Center complex in downtown Paducah. The City purchased this property in 2015 which previously housed a nursing home and hospital. As part of the development agreement, the City will convey the property to the developer.” CONSENT AGENDA Mayor Bray asked if the Board wanted any items on the Consent Agenda removed for separate consideration Item I(D) was removed by the City Manager. Mayor Bray asked the City Clerk to read the remaining items on the Consent Agenda. I(A) Approve Minutes for the September 15, 2025, Board of Commissioners meeting. I(B) Receive and File Documents: Minute File: 1. Letter from Collins & Company – re: Deborah Jones v. City of Paducah Deed File: 1. Commissioner’s Deed – Marshall, et al to City of Paducah – 715 Jones Street 2. Commissioner’s Deed – Anderson, et al to City of Paducah- 718 Jones Street Contract File: 1. Construction Change Directive No. 1 – A&K Construction – Sports Park – Soil Stabilization (no commission action required) 2. Construction Change Directive No. 2 - A&K Construction – Sports Park – Cement Stabilization (no commission action required) 3. Construction Change Directive No. 3 - – A&K Construction - Sports Park – Various items (no commission action required) 4. Contract For Services – Family Service Society - $25,000 – signed by CM 5. Contract For Services – Paducah Tennis Association - $3,000 – signed by CM 6. Contract For Services – Luther F. Carson Four Rivers Center $25,000 – signed by CM 7. Contract For Services – Market House Theatre $20,000 – signed by CM 8. Contract For Services – National Quilt Museum $15,000 – signed by CM 9. Contract For Services – Paducah Arts Alliance $3,000 – signed by CM 10. Contract For Services – Child Watch $4,999 – signed by CM 11. Contract For Services – Housing Authority of Paducah $4,999 – signed by CM 12. Contract For Services – Paducah Historical Preservation Group $2,500 – signed by CM 13. Contract For Services – Paducah-McCracken County Senior Center - $5,000 – signed by CM 14. Contract For Services – Paducah Interfaith Ministry d/b/a Paducah Cooperative Ministry (PCM) – Grant in aid - $15,000 – signed by CM 15. Contract For Services – Friends of the Lower Town Arts and Music Festival $25,000 – signed by CM 16. Contract For Services – The B.L.O.O.M Initiative $10,000 – signed by Cm 17. Contract For Services – Family Service Society ($50,000) – MO #3103 18. Contract For Services – Washington Street Community Development Corp. $25,000 – MO #3104 19. HUD Consolidated Plan – MO #3105 (complete document can be found in LaserFiche) 20. Contract For Services – Sprocket, Inc. - $100,000 – MO #3129 October 2, 2025 21. Contract with Peck Flannery Gream Warren (PFGW) – Parks and Recreation Maintenance Building – MO #3136 Financials: 1. Paducah Water Works – Month Ended August 31, 2025 Bids and Proposals File: 1. Bids for Parks and Recreation Maintenance Building a. PFGW – Awarded Bid MO #3136 b. Sherman Carter Barnhart c. Brandstetter Carroll I(C) Reappointment of Jonathan Perkins and appointment of Tyler Sanderson and Bonnie Koblitz to the Tree Advisory Board. Said terms shall expire October 2, 2029 and July 26, 2029, respectively. I(D) Appointment of Jeffrey Neubert to the Historical & Architectural Review Commission (HARC) to replace Christopher Jones, who term has expired. Said term shall expire: October 2, 2028. REMOVED BY CITY MANAGER, DARON JORDAN I(E) Appointment of Lisa Humphrey to the Board of Adjustment to replace Jim Chapman, who resigned. Said term shall expire August 31, 2026. I(F) Appointment of Jim Chapman to the Paducah Planning Commission to replace David Morrison, whose term has expired. Said term shall expire October 2, 2029 I(G) Personnel Actions I(H) A MUNICIPAL ORDER AUTHORIZING THE MAYOR TO EXECUTE AN AMENDMENT TO THE ANTHEM BLUE CROSS BLUE SHIELD ADMINISTRATIVE SERVICES AGREEMENT (MO #3137, BK 14) I(I) A MUNICIPAL ORDER AUTHORIZING THE PURCHASE OF RADIOS AND ACCESSORIES FROM COMMUNICATIONS INTERNATIONAL IN THE TOTAL AMOUNT OF $273,121.04 TO BE USED BY THE PARKS, ENGINEERING AND PUBLIC WORKS DEPARTMENTS AND AUTHORIZES THE MAYOR TO EXECUTE ALL DOCUMENTS RELATING TO SAME (MO #3138, BK 14) I(J) A MUNICIPAL ORDER APPROVING AN EMPLOYMENT AGREEMENT BETWEEN THE CITY OF PADUCAH AND POLICE OFFICER TRAVIS COUNTS, AND AUTHORIZING THE MAYOR TO EXECUTE SAME (MO #3139, BK 14) IK) A MUNICIPAL ORDER AUTHORIZING A CONTRACT WITH MOTOROLA IN THE AMOUNT OF $237,420.22 TO RE-PROGRAM EXISTING RADIOS FOR THE POLICE DEPARTMENT, AND AUTHORIZING THE MAYOR TO EXECUTE ALL DOCUMENTS RELATING TO SAME (MO #3140, BK 14) I(L) A MUNICIPAL ORDER ACCEPTING THE BID OF LINWOOD MOTORS FOR SALE TO THE CITY OF PADUCAH ONE (1) SUV FOR USE BY THE PADUCAH FIRE DEPARTMENT IN THE AMOUNT OF $43,902, AND AUTHORIZING THE MAYOR TO EXECUTE A CONTRACT FOR SAME (MO #3141, BK 14) I(M) A MUNICIPAL ORDER APPROVING A FLEET MAINTENANCE, MOTORIZED EQUIPMENT AND EMERGENCY APPARATUS SERVICE AGREEMENT WITH CITY OF WICKLIFFE, KENTUCKY TO PROVIDE FLEET MAINTENANCE SERVICES AT HOURLY RATES AND AUTHORIZING THE EXECUTION OF ALL DOCUMENTS RELATED TO SAME (MO #3142, BK 14) I(N) MUNICIPAL ORDER ACCEPTING A COMMUNITY DEVELOPMENT BLOCK GRANT IN THE AMOUNT OF $583,406 AND AUTHORIZING THE MAYOR TO EXECUTE ALL REQUIRED GRANT AWARD DOCUMENTS (MO #3143, BK 14) I(O) MUNICIPAL ORDER ACCEPTING A FEDERAL EMERGENCY MANAGEMENT AGENCY ASSISTANCE TO FIREFIGHTERS GRANT IN AN AMOUNT OF $51,818 FOR THE PADUCAH FIRE DEPARTMENT AND AUTHORIZING THE MAYOR TO EXECUTE ALL REQUIRED GRANT AWARD DOCUMENTS (MO #3144, BK 14) October 2, 2025 Commissioner Henderson offered Motion, seconded by Commissioner Smith, that the items on the consent agenda be adopted as presented. Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). MUNICIPAL ORDER PURCHASE OF REAL PROPERTY LOCATED AT 3047 JACKSON STREET FOR AN AMOUNT NOT TO EXCEED $762,850. Commissioner Smith offered Motion, seconded by Commissioner Henderson that the Board of Commissioners adopt a Municipal Order entitled, “A MUNICIPAL ORDER AUTHORIZING PURCHASE OF REAL PROPERTY LOCATED AT 3047 JACKSON STREET, PADUCAH, McCRACKEN COUNTY, KENTUCKY, AND AUTHORIZING THE MAYOR TO EXECUTE ALL DOCUMENTS RELATED TO SAME.” Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). (MO #3145, BK 14) ORDINANCE ADOPTIONS TEN-YEAR EXCLUSIVE CABLE FRANCHISE WITH RITTER COMMUNICATIONS Commissioner Thomas offered Motion, seconded by Commissioner Wilson that the Board of Commissioners adopt an Ordinance entitled, “AN ORDINANCE GRANTING A NON- EXCLUSIVE FRANCHISE TO E. RITTER COMMUNICATIONS, LLC TO OPERATE AND MAINTAIN A CABLE SYSTEM WITHIN THE CORPORATE LIMITS OF THE CITY OF PADUCAH, KENTUCKY, PURSUANT TO THE TERMS AND PROVISIONS OF THE PADUCAH ORDINANCE FOR REGULATION OF CABLE COMMUNICATIONS, AND APPROVING AND AUTHORIZING THE MAYOR TO EXECUTE THE FRANCHISE AGREEMENT BETWEEN THE CITY OF PADUCAH, KENTUCKY, AND E. RITTER COMMUNICATIONS, LLC.” This ordinance is summarized as follows: This ordinance authorizes the Mayor to execute a Termination of Telecommunications Franchise Agreement and a non-exclusive Cable Franchise Agreement between the City of Paducah and E. Ritter Communications, LLC. Said Cable Franchise Agreement shall be for a term of ten (10) years and be in accordance with the terms and provisions of Chapter 22, Cable Communications, of the Code of Ordinances of the City of Paducah, Kentucky. Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). (ORD NO. 2025-10-8857; BK 37) October 2, 2025 REPEAL AND REPLACE ARTICLE IV, CHAPTER 34 URBAN RENEWAL OF THE CODE OF ORDINANCES Commissioner Wilson offered Motion, seconded by Commissioner Thomas that the Board of Commissioners adopt an Ordinance entitled, “AN ORDINANCE REPEALING AND REPLACING ARTICLE VI, “URBAN RENEWAL AND COMMUNITY DEVELOPMENT AGENCY”, OF CHAPTER 35 “COMMUNITY PLANNING AND DEVELOPMENT”, OF THE CODE OF ORDINANCES OF THE CITY OF PADUCAH, KENTUCKY.” This ordinance is summarized as follows: This ordinance repeals and replaces Article VI, “Urban Renewal and Community Development Agency,” of Chapter 35, “Community Planning and Development” of the Code of Ordinances of the City of Paducah, Kentucky, to establish the Urban Renewal and Community Development Agency separately from the Paducah Planning Commission, and to set the powers, authority, composition, terms, and meetings of said Agency. Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). (ORD NO. 2025-10-8858; BK 37) ORDINANCE INTRODUCTIONS AMEND SECTION 20-23 OF THE CODE OF ORDINANCES RELATED TO BODY PIERCING Commissioner Henderson offered Motion, seconded by Commissioner Smith that the Board of Commissioners introduce an Ordinance entitled: “AN ORDINANCE AMENDING CHAPTER 20, SECTION 20-23(b) OF THE CODE OF ORDINANCES OF THE CITY OF PADUCAH, KENTUCKY, SO AS TO DELETE THAT PORTION WHICH STATES THAT “BODY PIERCING BELOW THE WAIST SHALL BE PROHIBITED UNLESS PERFORMED BY A PHYSICIAN LICENSED TO PRACTICE MEDICINE IN THE STATE.” This Ordinance is summarized as follows: The City’s Ordinance is in conflict with the Commonwealth’s statute; therefore, this Ordinance is being enacted to amend that portion of the City’s Code, Section 20-23(b), so as to delete the language relating to body piercing below the waist. REVISIONS TO THE CITY OF PADUCAH REMOTE WORKER INCENTIVE PROGRAM Commissioner Smith offered Motion, seconded by Commissioner Henderson that the Board of Commissioners introduce an Ordinance entitled: ”AN ORDINANCE REVISING THE EXISTING REMOTE WORKERS INCENTIVE PROGRAM.” This Ordinance is summarized as follows: The Remote Workers Incentive Program shall be revised to include self-employed persons who can show evidence of self-employment, and to provide a $5000 cash incentive payable as follows: $2500 upon establishing residency in the City of Paducah and $2500 one year after the first installment is paid. BUDGET AMENDMENT FOR CDBG GRANT FOR ENTITLEMENT COMMUNITY October 2, 2025 FUNDS Commissioner Thomas offered Motion, seconded by Commissioner Wilson that the Board of Commissioners introduce an Ordinance entitled: “AN ORDINANCE AMENDING ORDINANCE NO. 2025-06-8847, ENTITLED, “AN ORDINANCE ADOPTING THE CITY OF PADUCAH, KENTUCKY, ANNUAL OPERATING BUDGET FOR THE FISCAL YEAR JULY 1, 2025, THROUGH JUNE 30, 2026, BY ESTIMATING REVENUES AND RESOURCES AND APPROPRIATING FUNDS FOR THE OPERATION OF CITY GOVERNMENT.” This Ordinance is summarized as follows: that the annual budget for the fiscal year beginning July 1, 2025, and ending June 30, 2026, as adopted by Ordinance No. 2025-06-8847, be amended by the following re-appropriations: Increase revenues and expenditures for the CDBG Fund by $583,406.00. DISCUSSION Communications Manager Pam Spencer provided the following summary: 911 Radio and Tower Project Update Paducah Police Chief Brian Laird updated the Board on the 911 radio and tower project. In December 2023, the City and County approved agreements with Communications International to upgrade the 911 radio system to include equipment for towers, consoles, and portable radio units. This project includes approximately $7.67 million in system upgrades. Chief Laird said accomplishments to date include two tower leases are now under contract, tower site inspections were completed in September, two new dispatch workstations have been installed, and the phone and radio recording systems have been upgraded. The next steps are to install antennas on the towers this month, install radio equipment and test in November, and train dispatchers and end users. Chief Laird said the tentative go-live for the system is in January or February 2026 ADJOURN Commissioner Henderson offered Motion, seconded by Commissioner Smith, that the meeting be adjourned. Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). TIME ADJOURNED: 6:07 p.m. ADOPTED: October 21, 2025 George Bray, Mayor ATTEST: Claudia S. Meeks, Assistant City Clerk October 3, 2025 At a Special Called Meeting of the Paducah Board of Commissioners held on Friday, October 3, th Street, 2025, at 9:00 a.m., in the Board of Commissioners Chambers, City Hall, 300 South 5 Paducah, Kentucky, Mayor George Bray presided. Upon call of the roll by Assistant City Clerk, Claudia Meeks, the following answered to their names: CommissionersHenderson, Smith, Thomas, Wilson and Mayor Bray (5). A transcript of this Public Hearing is on file in the 10-03-2025 Nathan Torian Hearing Minutes File in City Clerk’s Office. RATIFY MAYOR’S ORDERS Commissioner Henderson offered motion, seconded by Commissioner Smith, “to ratify the Orders issued by the Board of Commissioners and signed by Mayor George Bray. Specifically, The Order regarding Kentucky Rules of Evidence, witness and exhibit lists and providing copies of exhibits Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson and Mayor Bray (5). A copy of said Order can be found in the 10-03-2025 Nathan Torian Hearing Minutes File. READING OF CHARGES– The reading of the charges was waived upon agreement of both parties. A copy of the Disciplinary Charges and Notification of Hearing Date will be found in the 10-03-2025 Nathan Torian Hearing Minutes File. PUBLIC HEARING RELATED TOADMINISTRATIVE DISCIPLINARY CHARGES FILED AGAINST NATHAN TORIAN, CAPTAIN, PADUCAH FIRE DEPARTMENT Jeffrey Mando served as Complainant Counsel. Peter Jannace and Zuzana Murarova, served as Respondent Counsel. Nicholas Holland served as Counsel to the City Commission. Attorney Mando waived his opening statement. Attorney Jannace was allowed 10 minutes to make an opening statement. A copy of the City of Paducah’s Witness and Exhibit List along with all introduced Exhibits can be found in the 10-03-2025 Nathan Torian Hearing Minutes File. A copy of the Respondent’s Witness and Exhibit Listalong with all introduced Exhibits can be found in the 10-03-2025 Nathan Torian Hearing Minutes File. Each witness was sworn in by the City Clerk before testifying before the City Commission. Mr. Mando was allowed 10 minutes to make a closing statement. Mr. Jannace was allowed 10 minutes to make a closing statement. RECESS FOR LUNCH: Commissioner Smith offered Motion, seconded by Commissioner Thomas that the proceedings recess for lunch at 12:10 p.m. Proceedings will reconvene at 1:00 p.m. October 3, 2025 Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson and Mayor Bray (5). RECONVENE FROM LUNCH: Commissioner Smith offered Motion, seconded by Commissioner Henderson that the proceedings reconvene. Time: 1:00 p.m. Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson and Mayor Bray (5). WITNESS TESTIMONY CONTINUES. CLOSING STATEMENTS: Mr. Mando was allowed 10 minutes to make a closing statement. Mr. Jannace was allowed 10 minutes to make a closing statement. EXECUTIVE SESSION Commissioner Henderson offered motion, seconded by Commissioner Smith, that the Board go into closed session for discussion of matters pertaining to the following topic: Issues which might lead to the discipline or dismissal of a member, i.e., Commissioner, as permitted by KRS 61.810(1)(f). Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). RECONVENE IN OPEN SESSION Following the deliberation in closed session, the Board of Commissioners reconvened in Open Session for consideration on the following charges against Captain Nathan Torian, Paducah Fire Fighter. Motion made by Commissioner Henderson, seconded by Commissioner Smith, Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). ACTION RELATED TO MISCONDUCT CHARGES FILED AGAINST NATHAN TORIAN, CAPTAIN, PADUCAH FIRE DEPARTMENT The City Clerk read Charge I: Exhibiting insubordination and disrespect to Battalion Chief Tinsman by referring to her as a lower rank during a call and later in a run report when you had actual knowledge of her proper rank. This behavior is in violation of Paducah Code of Ordinance Sec. 2-313(a)(1)(c). October 3, 2025 Motion made by Commissioner Smith. Seconded by Commissioner Henderson to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge I. Voting Yea: Commissioners Smith and Wilson Voting Nay: CommissionersHenderson, Thomas, and Mayor Bray. MOTION FAILS. Yeas (2), Nays (3) The City Clerk read Charge II: Exhibiting impoliteness and rudeness to Battalion Chief Tinsman by referring to her as a lower rank during a call and later in a run report when you had actual knowledge of her proper rank. This behavior is in violation of Paducah Code of Ordinance Sec. 2-313(a)(1)(o). Motion made by Commissioner Thomas. Seconded by Commissioner Wilson to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge II. Voting Yea: Commissioner Smith, Thomas, Wilson and Mayor Bray Voting Nay: Commissioner Henderson MOTION CARRIES Yeas (4), Nays (1) The City Clerk read Charge III: Engaging in a dispute or quarrel with Battalion Chief Tinsman by referring to her as a lower rank during a call and later in a run report when you had actual knowledge of her proper rank. This behavior is in violation of Paducah Code of Ordinance Sec. 2-313(a)(1)(r). Motion made by Commissioner Wilson, Seconded by Commissioner Thomas, to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge III. Voting Yea: None Voting Nay: Commissioners Henderson, Smith, Thomas, Wilson, Mayor Bray. MOTION FAILS. Nays (5) The City Clerk read Charge IV: Engaging in impoliteness and rudeness toward Stefanie Wilcox when interrupting the interview Blankenship was attempting to conduct and acting disrespectfully towards Wilcox when you were asked to leave. This behavior is in violation of Paducah Code of Ordinance Sect. 2-313(a)(1)(o) Motion made by Commissioner Henderson, Seconded by Commissioner Smith to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge IV. Voting Yea: Commissioners Henderson, Smith, Wilson and Mayor Bray. October 3, 2025 Voting Nay: Commissioner Thomas. MOTION CARRIES. Yeas (4) Nays (1) The City Clerk read Charge V: Disgracing the City of Paducah and City of Paducah Fire Department by attempting to engage in inappropriate and unethical ex parte communications with Supreme Court Justice Nickell. This behavior is in violation of Paducah Code of Ordinance Sec 2-776-Conduct Unbecoming. Motion made by Commissioner Smith, Seconded by Commissioner Henderson to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge V. Voting Yea: Commissioners Smith, Wilson, and Mayor Bray. Voting Nay: Commissioners Henderson and Thomas MOTION CARRIES. Yeas (3) Nays (2) The City Clerk read Charge VI: Engaging in improper conduct, which would tend to bring criticism to the Paducah Fire Department by attempting to engage in inappropriate and unethical ex parte communications with Supreme Court Justice Nickell., leading to Justice Nickell’s public disclosure of the communications. This behavior is in violation of Paducah Code of Ordinance Sec 2-313(a)(1)(k). Motion made by Commissioner Wilson, Seconded by Commissioner Thomas to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge VI. Voting Yea: Commissioners Henderson, Smith, Wilson and Mayor Bray Voting Nay: Commissioner Thomas MOTION CARRIES. Yeas (4) Nays (1) The City Clerk read Charge VII: Exhibiting insubordination to Deputy Chief Denton by undermining his direct order that you would not attend AMSC meetings unless requested to do so. This behavior is in violation of Paducah Code of Ordinance Sec 2-313(a)(1)(c). Motion made by Commissioner Wilson, Seconded by Commissioner Thomas, to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge VII. Voting Yea: Commissioners Henderson, Smith, Wilson and Mayor Bray Voting Nay: Commissioner Thomas MOTION CARRIES. Yeas (4) Nays (1) October 3, 2025 The City Clerk read Charge VIII: Acting rudely by interrupting the AMSC meeting while undermining Deputy Chief Denton’s order that you would not engage in the meeting without his permission. This behavior is in violation of Paducah Code of Ordinance Sec 2-313(a)(1)(o). Motion made by Commissioner Henderson, Seconded by Commissioner Smith, to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge VIII. Voting Yea: Commissioners Smith and Wilson Voting Nay: Commissioners Henderson, Thomas and Mayor Bray MOTION FAILSYeas (2) Nays (3) The City Clerk read Charge IX: Engaging in a dispute with Deputy Chief Denton by undermining his direct order to you that you could not attend an AMSC meeting without his request. . This behavior is in violation of Paducah Code of Ordinance Sec 2-313(a)(1)(r). Motion made by Commissioner Smith, Seconded by Commissioner Henderson, to find Nathan Torian, Captain, Paducah Fire Department, guilty of Charge IX. Voting Yea: Commissioners Henderson, Smith, Wilson and Mayor Bray Voting Nay: Commissioner Thomas Motion Carries: Yeas (4) Nays (1) MOTION REGARDING DISCIPLINE/PUNISHMENT AGAINST CAPTAIN NATHAN TORIAN, PADUCAH FIRE FIGHTER: Motion was made by Mayor Bray, seconded by Commissioner Wilson, for the punishment to be Termination of Employment of Nathan Torian, Captain, Fire Department. Voting Yea: Commissioners Henderson, Smith, Thomas, Wilson and Mayor Bray Voting Nay: None MOTION CARRIES. Yeas (5) Nays (0) ADJOURN Commissioner Wilson offered Motion, seconded by Commissioner Smith, that the meeting be adjourned. Adopted on call of the roll yeas, Commissioners Henderson, Smith, Thomas, Wilson, and Mayor Bray (5). TIME ADJOURNED: 6:55 p.m. October 3, 2025 ADOPTED: _______________________________ George Bray, Mayor ATTEST: Claudia S. Meeks, Assistant City Clerk October 21, 2025 RECEIVE AND FILE DOCUMENTS: Minute File: 1. Notice of Special Called Meeting October 2, 2025 2. Notice of Special Called Meeting October 3, 2025 Deed File: th 1. Commissioner’s Deed – 911 South 4 Street th 2.Quitclaim Deed –City of Paducah to Paducah Alliance of Neighbors –816 South 12 Street – MO #3077 3. Quitclaim Deed – City of Paducah to Paducah Alliance of Neighbors – 1201 Oscar Cross – MO #3078 Contract File: 1. Contract For Services – Paducah Symphony Orchestra $10,000 – signed by Daron Jordan, CM 2. Purchase Agreement – Linwood Motors –One SUV for Paducah Fire Department – MO #3141 3. Fleet Maintenance Agreement with City of Wickliffe – MO #3142 4. Franchise Termination Agreement – E. Ritter Communications, LLC – ORD 2025-10-8857 5. Cable Television Franchise Agreement – E. Ritter Communications, LLC – ORD 2025-10-8857 Financials: 1. Edwin J. Paxton Park Golf Course Auditor’s Report for year ended December 31, 2024 2. Paducah Water Works Financial Statements years ended June 30, 2025 and 2024 Bidsand ProposalsFile: 1. SUV for use by the Fire Department (a) Linwood Motors – MO #3141 Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Approve acquisition of permanent right of way access easement for Pump Station #14 - G. GUEBERT Category: Municipal Order Staff Work By: Melanie Townsend Presentation By: Greg Guebert Background Information: During the past few months, negotiations have been conducted in good faith with the property owner located at 2510 North 8th Street regarding the acquisition of a portion of right-of-way and permanent access easement (Parcel C) as required for the operation and maintenance of Pump Station #14. Subsequently, Lisa Rudolph and David Giltner, the heirs of Opal Louise Giltner, have agreed to convey a portion of their property for right of way consisting of 0.28 acres (12,414 sq. ft.) to the City of Paducah for the purchase price of $0. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Commission Priorities List Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: Approve and authorize the Mayor to execute a Deed of Conveyance, and all documents necessary with the Heirs of Opal Louise Giltner, Lisa Rudolph and David Giltner, to acquire a permanent right-of-way access easement located at 2510 North 8th Street at no cost to the City. Attachments: 1. MO - Permanent ROW easement – 2510 North Eighth Street – Access to Pump Station 14 2.2025-037 - PS14 ROW ACQUISITION MUNICIPAL ORDER NO._________ A MUNICIPAL ORDER APPROVING AND AUTHORIZING THE MAYOR TO EXECUTE A DEED OF CONVEYANCE, PERMANENT RIGHT-OF-WAY EASEMENT FEE CONSIDERATION, AND ALL OTHER DOCUMENTS NECESSARY WITH LISA RUDOLPH AND DAVID GILTNER, HEIRS OF OPAL LOUISE GILTNER, TO ACQUIRE A PORTION OF A PERMANENT RIGHT-OF- WAY EASEMENT, AT NO COST TO THE CITY WHEREAS, the City of Paducah has negotiated in good faith with the property owners, Lisa Rudolph and David Giltner, the heirs of Opal Louise Giltner, for proper located at 2510 North 8th Street, regarding acquiring a portion of a permanent Right-of-Way easement as required for access to Pump Station 14; and WHEREAS, these property owners have agreed to grant the City of Paducah a permanent right-of-way easement totaling .28 acres (12,414 sq. ft.) at no cost to the City, to be used as permanent right-of-way access to Pump Station 14; and WHEREAS, the City of Paducah now wishes to execute the easement. NOW, THEREFORE, BE IT ORDERED BY THE CITY OF PADUCAH, KENTUCKY: SECTION 1. That the City of Paducah hereby approves and authorizes the Mayor’s execution of a Deed of Conveyance, and all other documents necessary with Lisa Rudolph and David Giltner, the heirs of Opal Loise Giltner, to acquire a portion of real th property located at 2510 North 8Street at no cost to the City to be used as a permanent right-of-way for access to Pump Station 14, and more particularly described as follows: LEGAL DESCRIPTION OF TRACT C EASEMENT 0.28 ACRES (12414 SQ. FT.) Being a portion of the Opal Giltner property recorded in Deed Book 494, Page 402 in the McCracken County Clerk’s Office and also shown on an Easement Plat by ACS Squared LLC prepared for the City of Paducah dated July 24, 2025. Said tract is more particularly described as follows: th street, Beginning at a ½ inch rebar found in the northerly right-of-way line of North 8 the southeasterly corner of the Wagner Leasing LTD property recorded in Deed Book 778, Page 269, said point being 30 from the centerline thereof as measured perpendicularly and said centerline point being 595.55 feet from the centerline intersection of North H.C. Mathis Drive to the west as measured along the centerline of th Street; said North 8 THENCE FROM SAID POINT OF BEGINNING and with a new easement line and following the aforesaid Wagner property line, N 14°13'22" E a distance of 631.92' to a ½ inch rebar in the southerly right-of-way line of the Paducah Flood Wall Tract 20 property recorded in Deed Book 200, page 161; THENCE with said Flood Wall line, S 80°36'17" E a distance of 19.73' to a ½ inch rebar found at the corner of the Commissioner of Water Works property recorded in Deed Book 653, Page 328; THENCE in a southerly direction with said Water Works property, S 14°13'53" W a distance of 378.37' to a ½ inch rebar found at the northwesterly corner of the William Ingram property recorded in Deed Book 1148, Page 125; THENCE in a southerly direction with said Ingram property, S 14°13'53" W a distance of th 255.36' to a ½ inch rebar in the northerly right-of-way line of North 8Street; THENCE with said right-of-way line, N 75°19'51" W a distance of 19.57' to a ½ inch rebar; which is the point of beginning, having an area of 12414 square feet, 0.28 acres as shown on an Easement Plat for the City of Paducah by ACS Squared LLC and dated July 24, 2025. SECTION 2. This Order will be in full force and effect from and after the date of its adoption. ________________________________________ GEORGE BRAY, MAYOR ATTEST: _____________________________________ LINDSAY PARISH, CITY CLERK Adopted by the Board of Commissioners, October 21, 2025 Recorded by Lindsay Parish, City Clerk, October 21, 2025 mo\\Permanent ROW easement – 2510 North Eighth Street – Access to Pump Station 14 Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Authorize Renewal Application for Local Expanded Jurisdiction - G. CHERRY Category: Municipal Order Staff Work By: Greg Cherry Presentation By: Greg Cherry Background Information: The City of Paducah adopted Ordinance 2017-1-8465 on January 17, 2017 authorizing an agreement between the City of Paducah and the Commonwealth of Kentucky, Department of Housing, Buildings and Construction for additional plan review and inspection responsibilities within the City of Paducah. The agreement was for a term of three years. This Municipal Order also authorizes the Mayor to execute the agreement and all other documents necessary once received from the Department of Housing, Buildings and Construction. In order to renew the agreement, the City must comply with 815 KAR 7:110 by submitting a Renewal Application for Local Building Expanded Jurisdiction to the Department of Housing, Buildings and Construction. This Municipal Order authorizes the Mayor to sign the application. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Commission Priorities List Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: To approve the expanded jurisdiction to better serve the contractors and business owners in the City and to authorize the Mayor's signature on the renewal application and to authorize the Mayor's signature on the renewal application, agreement, and all other documents necessary. Attachments: 1.MO - Renewal Application Local Expanded Jurisdiction 2025 2.Expanded Jurisdiction MUNICIPAL ORDER NO. ______ A MUNICIPAL ORDER AUTHORIZING THE EXECUTION OF A RENEWAL APPLICATION AND AGREEMENT FOR THE COMMONWEALTH OF KENTUCKY, DEPARTMENT OF HOUSING, BUILDINGS AND CONSTRUCTION FOR LOCAL EXPANDED JURISDICTION FOR THE FIRE PREVENTION DIVISION AND AUTHORIZING THE MAYOR TO EXECUTE ALL DOCUMENTS RELATING TO SAME WHEREAS, the City of Paducah adopted Ordinance No. 2017-1-8465 on January 17, 2017, authorizing an agreement between the City of Paducah and the Commonwealth of Kentucky, Department of Housing, Buildings and Construction for additional plan review and inspection responsibilities with the City of Paducah. This agreement was for a term of three years; and WHEREAS, on June 28, 2022, the Board of Commissioners approved MO #2596, Authorizing the Mayor to execute a renewal application and all documents relating to same, to the Commonwealth of Kentucky, Department of Housing, Buildings and Construction for Local Expanded Jurisdiction for the Fire Prevention Division; and WHEREAS, in Order to renew the agreement, the City must comply with 815 KAR 7:110 by submitting a Renewal Application for Local Building Expanded Jurisdiction to the Department of Housing, Buildings and Construction. This expanded jurisdiction will better serve the contractors and business owners in the City of Paducah. NOW, THEREFORE, BE IT ORDERED BY THE CITY OF PADUCAH, KENTUCKY: SECTION 1. The Mayor is hereby authorized to execute a renewal application, agreement and all documents relating to same, to the Commonwealth of Kentucky, Department of Housing, Buildings and Construction for Local Expanded Jurisdiction for the Fire Prevention Division. SECTION 2. This order will be in full force and effect from and after the date of its adoption. ______________________________ George Bray, Mayor ATTEST: _______________________________ Lindsay Parish, City Clerk Adopted by the Board of Commissioners, October 21, 2025 Recorded by Lindsay Parish, City Clerk, October 21, 2025 \\mo\\Renewal Application Local Expanded Jurisdiction 2025 Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Authorize a Request for Bids for City Hall HVAC Equipment and Duct Cleaning - C. YARBER Category: Municipal Order Staff Work By: Chris Ferrell, Marcey Simmons Presentation By: Chris Yarber Background Information: Duct cleaning needs to be completed periodically for HVAC effciency and improved air quality. The Facility Maintenance division of Public Works would like to request permission to advertise for sealed bids HVAC equipment and duct cleaning. Does this Agenda Action Item align with a Commission Priority? Yes If yes, please list the Commission Priority: Facilities Communications Plan: Account Name: Facilities Maintenance Funds Available: Account Number: PF0070 Staff Recommendation: Authorize Public Works to receive sealed bids for City Hall HVAC equipment and duct cleaning. Attachments: 1.MO - Request For Bids - City Hall HVAC equipment and duct cleaning 2025 MUNICIPAL ORDER NO. ______________ A MUNICIPAL ORDER AUTHORIZING THE FACILITY MAINTENANCE DIVISION OF PUBLIC WORKS TO ADVERTISE FOR SEALED BIDS FOR CITY HALL HVAC EQUIPMENT AND DUCT CLEANING. WHEREAS, duct cleaning needs to be completed periodically for HVAC efficiency and improved air quality; and WHEREAS, the Facility Maintenance Division of Public Works would like permission to advertise for sealed bids for City Hall HVAC equipment and duct cleaning. NOW, THEREFORE, BE IT ORDERED BY THE CITY OF PADUCAH, KENTUCKY: SECTION 1. That the City Commission hereby approves and authorizes the Facility Maintenance Division of Public Works to advertise for sealed bids for City Hall HVAC equipment and duct cleaning. SECTION 2. This Order will be in full force and effect from and after the date of its adoption. ______________________________ George Bray, Mayor ATTEST: _____________________________ Lindsay Parish, City Clerk Adopted by the Board of Commissioners, October 21, 2025 Recorded by Lindsay Parish, City Clerk, October 21, 2025 MO\\Request For Bids – City Hall HVAC equipment and duct cleaning - 2025 Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Use of Spending Credits for Eligible Employees Pursuant to the City's Group Health Plan for the 2026 Plan Year - S. WILCOX Category: Municipal Order Staff Work By: Stefanie Wilcox Presentation By: Stefanie Wilcox Background Information: The City makes financial contributions to subsidize the cost of the premium charges in the approved health and wellness plan. Allocation of spending credits towards the purchase of certain benefits such as health, dental or vision pursuant to the City's group health insurance plan shall be $10,470 per employee. This is an annual increase of $1,746 per employee to assist with health insurance premium increases for 2026. For those employees who opt out of the City's group health insurance, who were hired prior to January 1, 2014, and can show proof of coverage under another sponsored group health insurance plan are recommended to receive an employer contribution of $2,850. New participants to the waiver credit, with a hire date after January 1, 2014, are subject to a $500 maximum employer contribution. In addition, any employee should be able to increase their allotment, at a minimum, by participating in the wellness program. This can be achieved through biometric readings ($1,000), completing an annual physical ($250), not using nicotine ($250), getting a physical and turning in lab work ($250) and participating in six events ($750) such as walking a 5k. There will be another increase in the deductible on the Investor Plan in 2026, to comply IRS regulations. The individual will go to $3,400 per individual; the family deductible will remain at $6,600. The out-of-pocket maximum will change accordingly on both plans (Investment and Elite) to follow this mandated IRS change. See attachment for details. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Commission Priorities List Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: Approve the use of spending credits for eligible employees pursuant to the City's group health insurance plan for the 2026 plan year. Attachments: 1.MO - ins policy spending credits 2026 2.City of Paducah updated rates 2026 Benefit Guide MUNICIPAL ORDER NO. _______ A MUNICIPAL ORDER ESTABLISHING POLICY FOR USE OF SPENDING CREDITS TOWARD THE PURCHASE OF CERTAIN BENEFITS SUCH AS HEALTH, DENTAL OR VISION PURSUANT TO THE CITY’S GROUP HEALTH INSURANCE PLAN FOR THE 2026PLAN YEAR WHEREAS, the City makes financial contributions to subsidize the cost of the premium charges in the approved health and wellness plan; and WHEREAS, allocation of spending credits towards the purchase of certain benefits such as health, dental and vision pursuant to the City’s group health insurance plan shall be $10,470 per year. BE IT ORDERED BY THE BOARD OF COMMISSIONERS OF THE CITY OF PADUCAH, KENTUCKY: Section 1.To be eligible for the benefits provided in Section 2, employees must timely enroll in that portion of the City’s group health insurance plan referred to as medical and prescription drug coverage. The City shares the cost of medical, prescription drug, dental and vision coverage with the City employees by contributing $10,470 per employee (“base credit”) to be used under the Plan and other applicable credits which may be earned pursuant to the applicable City policy. In addition, any employee should be able to increase their allotment, at the minimum, by participating in the wellness program. This can be achieved through biometric readings ($1,000), not using nicotine ($250), getting a physical and turning in lab work ($250) and participating in six free events ($750) such as walking a 5k. There will be another increase in the deductible on the Investor Plan in 2026to comply with IRS regulations. The deductibles will go to $3,400 per individual and $6,600 per family. The out of pocket maximum will also change accordingly on both plans to follow mandated IRS changes. Section 2. All eligible employees who timely apply for coverage under the City’s group health insurance plan (medical and prescription drug coverage) shall be permitted to redirect any unspent employer contribution toward the applicable pre-tax vehicle (HSA, FSA, HRA) subject to all applicable federal and state laws and regulations and as may be amended from time to time by order of the Board of Commissioners. Any changes requested by the employee due to change in family status shall be considered on a pro-rata basis from the effective date of timely enrollment pursuant to the plan documents of any affected benefit plan. Section 3. A. Employees whoopt out of the City’s group health insurance, who were hired prior to January 1, 2014, and can show proof of coverage under another sponsored group health insurance plan shall receive an employer contribution of $2,850. New participants to the waiver credit, with a hire date after January 1, 2014 are subject to a $500 maximum employer contribution which can be applied to an HRA, deposited on an as accrued basis, as established by the City and which can be amended from time to time by order of the Board ofCommissioners. In the event the City in its sole discretion does not accept the creditability of the spouse’s employer-sponsored group health insurance plan, other group sponsored health insurance plan, or non-group sponsored health insurance plan, and the employee chooses to remain covered under such group health insurance plan, then such employee shall be governed under the procedures established in Section 4. B.All eligible employees who opt out of the City’s group health insurance plan to enroll in a health insurance plan that is not under a spouse’s employer-sponsored group health insurance or other group sponsored health insurance plan shall not be permitted to participate in an employer contribution of any unspent health insurance credits. Section 4.All eligible employees who opt out of the City’s group health insurance plan (medical and prescription drug coverage) for any reason other than those stated in Section 3 above, shall not be entitled to an employer contribution of unspent credits. Section 5. All eligible employees and their spouse may receive the maximum wellness credit that can be earned and that is $2,500 for an employee and $1,000 for a spouse. Section 6. For all employees who subsequently become eligible for coverage under the City’s group health insurance plan because of initial employment or a qualifying event (i.e., change in family status), and is timely enrolled under the Plan or opts out of the Plan, shall be governed under the same procedures described in Sections 1-4 above, except any benefits shall be applied on a pro-rata basis. Section 7. Except as provided under the applicable plan document covering any benefit plan, or HIPAA’s special enrollment rights or the United States Internal Revenue Code, or any other applicable federal or state law or regulation, or any participant in the City’s group health plan as described in Section 2 or any employee who has opted out of the plan as described in Sections 3 or 4 above, shall be precluded from making any changes to pre-tax elections (HSA, FSA, HRA) once the plan year starts except as otherwise permitted by this Municipal Order. Section 8. This Order shall be in full force and effect from and after the date of its adoption. _____________________________ George Bray, Mayor ATTEST: ________________________________ Lindsay Parish, City Clerk Adopted by the Board of Commissioners, October 21, 2025 Recorded by Lindsay Parish, City Clerk, October 21, 2025 \\mo\\ins policy spending credits 2026 Benefits Guide 2026 January 1, 2026 – December 31, 2026 WELCOME! Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of valuable benefits to protect your health, your family and your way of life. This guide answers some of the basic questions you may have about your benefits. Benefits At-a-Glance Important Changes CoverageCarrier Each year the Company reviews our benefits program to ensure our partners provide comprehensive and affordable Medical Anthem coverage. Dental Delta Dental Anthem Vision 2026 Updates At-a-Glance MuuvWell You must actively re-enroll in all plans except for group life, Wellness voluntary life, long-term disability, and colonial, which will automatically roll over if you do not make changes. Company Nurse Injury Worker’s The deductible will increase on the Investor plan to comply Hotline Compensation with IRS limits. The out-of-pocket max will increase on both medical plans to align with the deductible increase. There is a change to the medical premium rates. Health Savings Flores Account (HSA) BENEFIT ELIGIBILITY Health Who is Eligible Reimbursement Flores The following individuals are eligible to participate in the Arrangement (HRA) Company’s benefits program: •Active, full-time employees on the first of the month following 30 days of employment •Your legally married spouse. Flexible Spending Flores •Dependent children of the employee or the employee’s Account spouse is the legal guardian or otherwise required by law up to age 26. •Unmarried children aged 26 or older who are mentally Mutual of Omaha Group Term Life or physically disabled and who rely on you for support and care. Vol. Life and AD&D Mutual of Omaha Dependent Information The Administrator may require that the Employee Long-Term complete a “Dependent Affidavit” and provide the Mutual of Omaha Disability Administrator and/or Employer with a copy of any legal documents. Vol. Short-Term Colonial Life Disability To enroll your eligible dependents in benefits, you must provide their full legal names, Social Security Numbers, Additional Vol. Colonial Life and dates of birth. Keep this information handy when Benefits making your benefit elections. 2 BENEFIT ENROLLMENT Enrollment Periods / When Between Enrollment Periods Coverage Begins Generally, once you enroll, you cannot make Annual Open Enrollment changes to your enrollment selections until the next Open Enrollment period. You may Each calendar year, the Company conducts an Open make changes to your benefit elections Enrollment. This is the time for you to re-evaluate outside of the annual Open Enrollment ONLY your needs and elect benefit options for the new if you experience a Qualifying Life Event plan year. (QLE), as defined by the IRS. Benefit changes Changes made during Open Enrollment are effective must also be consistent and made within 30 st January 1. days of the QLE. New Hire and Newly Eligible Employee Qualifying life events (QLEs) that may allow Enrollment you to make benefit changes: Newly hired or newly eligible employees must •Change in legal marital status complete their enrollment within 30 days of their •Marriage date of hire. •Divorce, legal separation, annulment If you enroll on time, coverage is effective on the first of the month following 30 days of employment. If you •Death of your spouse fail to enroll on time, you will not have benefits •Change in your eligibility coverage (except for company-paid benefits) until •Taking or returning from a leave of absence you enroll during our next annual Open Enrollment period. •Change in work schedule or status that causes a gain or loss of eligibility •Change in family member’s eligibility When Coverage Ends / When •Change in work schedule or status that Coverage Ends for Your Children causes them to gain or lose eligibility Medical, dental, and vision coverage for you and your family will end on the last day of the month in which •Change in the number of eligible children your employment with the Company ends or you •Birth, adoption, or death of a child lose full-time eligibility status. Your HSA and all other •Child gains or loses eligibility for coverage benefits will end on your last day. under the plan Your children are eligible for medical, dental, and •They gain a benefit option or lose coverage vision coverage until the end of the month in which they turn 26. Life insurance will end when your child •New coverage choices made during their reaches age 26 unless the child is disabled and meets employer’s annual enrollment certain requirements. •You or your family member’s COBRA coverage from another employer expires Cobra •You or your family member becomes If your health care coverage ends, you and your family eligible for or loses Medicare or Medicaid may have coverage continuation rights under the •You or your family member loses coverage federal law known as COBRA. If your coverage under a government’s or educational terminates, you will be notified of your COBRA rights. institution’s plan Scan this code to watch a video about QLEs. 3 MEDICAL COVERAGE PPO: EliteHDHP + HSA: Investor The Preferred Provider Organization (PPO) plan, The HDHP + HSA (High-Deductible Health Plan + provided through Anthem, gives you the freedom Health Savings Account), provided through Anthem, to seek care from any provider of your choice. is an insurance plan that typically offers lower However, you will maximize your benefits and lower premiums and higher deductibles. The highlight of this your out-of-pocket costs if you choose a provider plan is that it allows you to open an HSA, which is a who participates in the network. tax-advantaged personal savings account that lets you save pre-tax dollars to pay for any qualified health- A PPO plan relies on a network of health care related expenses (state taxation rules may apply). clinics, hospitals, and professionals who have agreed This includes most medical care and services, to provide their services at discounted rates. These prescriptions, dental, vision, and expenses related to preferred providers are considered “in-network.” In meeting the plan’s deductible. For a complete list of general, you will pay less for in-network services qualified health-related expenses, visit Publication than you would were you to seek care outside the 502. network. For more information on the HSA, see page 7 How You Pay for Services in this benefit guide. •You pay the full cost of non-preventive health care Individuals with HDHPs normally pay a lower services and prescription drugs until you meet amount each month but pay more on their yearly the annual deductible. The deductible is waived medical expenses before their insurance policy for in-network routine preventive care services begins paying. You can visit any doctor, hospital or and medications on the preventive drug list. other health care provider you want, with greater •The HDHP includes copays for prescription drugs cost savings in-network. only. You must meet the annual deductible before How You Pay for Services prescription copays apply. •You pay a flat dollar amount–or copay–for covered •Once you meet the annual deductible, you pay a health care treatments and services, such as percentage of your health care expenses doctor’s office visits and prescription drugs. (coinsurance), and the plan pays the rest. •Once you satisfy your annual deductible, you will •Once your deductible and coinsurance add up to pay a percentage–or coinsurance–of the cost of the out-of-pocket maximum, this plan pays the full the visit, and the plan will cover the rest. cost of all qualified health care services for the rest of the year. •Once you hit your annual out-of-pocket maximum, the plan will cover 100% of the cost of covered services for the rest of the year. Scan this code to watch a video about comparing medical plan types. 4 MEDICAL COVERAGE Following is a high-level overview of your medical plan options. For complete coverage details, please refer to the Summary Plan Description (SPD). This can be found on the City of Paducah Intranet. Select “Human Resources”, then choose “Health Plan Information” to locate the document. Note: The deductibles and out-of- pocket maximums are per plan year. Premiums can be found on page 23. Investor PlanElite Plan Group # W29698Group # W29698 Key Benefits Out-of-Out-of- In-NetworkIn-Network 11 NetworkNetwork UnlimitedUnlimited Lifetime Maximum 2 Deductible $3,400 / $6,600$1,500 / $3,000$3,000 / $6,000 (Individual/Family) $3,400 / $6,600$6,600 / $13,200$3,400 / $6,600$6,600 / $13,200 Out-of-Pocket Max (Individual/Family) 0%* / 0%*30%* / 30%*20%* / 20%*50%* Office Visits (physician/specialist) No Charge30%*No Charge50%* Routine Preventive Care 0%*30%*20%*50%* Diagnostics (lab/X-ray) 0%*30%*20%*20%* Complex Imaging 0%*Covered as In-network20%*Covered as In-Network Ambulance 0%*Covered as In-network20%*Covered as In-Network Emergency Room 0%*30%*20%*50%* Urgent Care Facility 0%*30%*20%*20%* Inpatient Hospital Stay 0%*30%*20%*20%* Outpatient Surgery $15 / $35 / $55 / 25% up 0%*30%*50%, min $55 Retail Drugs (30 Day Supply) to $150 $45 / $105 / $165 / 25% 0%*Not CoveredNot Covered Mail Order Drugs (90 Day Supply) up $150 Coinsurance percentages and copay amounts shown in the above chart represent what the member is responsible for paying. *Benefits with an asterisk ( * ) require that the deductible be met before the Plan begins to pay. 1.If you use an out-of-network provider, you will be responsible for any charges above the maximum allowed amount. 2.The single deductible does apply to family coverage. Network and Non-Network deductibles are combined. 3.The deductible is embedded. This means that once a family member meets their individual deductible, the plan will begin to pay coinsurance for that family member. 4.The out-of-pocket maximum is embedded. This means that, once an individual family member meets their out-of-pocket maximum, that individual’s expenses are covered at 100%. City of Paducah’s health plans are considered affordable as defined by the Affordable Care Act by meeting the Scan this code minimum essential value (the plan covers 60% or more of the total allowed costs) and the employee does not to watch a video pay more than 9.61% of the Employee Only coverage premium (based on income with City of Paducah). about choosing Register with Anthem.com or the Sydney mobile app to be able to view your claims, find local a provider. providers, prescription drug cost comparisons, compare the costs of procedures at local providers, and much more. 5 DENTAL COVERAGE Dental Plan The dental Preferred Provider PPO Plan Key Benefits Organization (PPO) plan, provided Group #: 692290 In-Network through Delta Dental of KY, offers you the freedom and flexibility to use the Deductible (Individual/Family)$25 / $75 dentist of your choice. However, you will Annual Benefit Maximum maximize your benefits and lower your $2,000 (per person) out-of-pocket costs if you choose a dentist who participates in the Delta Preventive Services Covered at 100% Dental network. Basic Services Covered at 80% The following is a high-level overview of your dental plan option. For complete Major Services Covered at 50% coverage details, please refer to the Covered at 50% Orthodontic Services (covered Summary Plan Description (SPD). Note: dependents under age 23) $1,000 Lifetime Max The deductible and annual benefit maximum is per plan year Blue View Option 25 Key Benefits Frequency Non- VISION Group #: 00210630 In-Network Network Exam 12 Months$10 CopayUp to $42 COVERAGE Up to $130 retail Frames 24 MonthsUp to $45 value Vision Plan Lenses Standard Plastic lenses up to 55mm Your eyesight is an integral part of your Single VisionUp to $40 overall health and a key component of safety. This plan, provided through Bifocal12 Months $10 Copay Up to $60 Anthem gives you the freedom to TrifocalUp to $80 seek care from the provider of your choice. However, you will maximize Additional Lense Cost for update in addition to copay Options your benefits and lower your out-of- pocket costs if you choose a provider UV Coating$15 who participates in the Anthem Tint (Solid and Gradient) $15 network. If you decide to use an out-of- Standard Scratch network provider, you will pay the $15 Resistance provider in full at the time of your Standard Polycarbonate12 Months$40Not Available appointment and submit a claim form Standard Progressive for reimbursement up to the amount $65 (add-on to bifocal cost) allowed by the plan. Standard Anti-Reflective $45 Coating Other Add-Ons and Following is a high-level overview of 20% off retail Services your vision plan options. For complete Contact Lenses in lieu of glasses coverage details, please refer to the Summary Plan Description (SPD). Medically Necessary$0Up to $210 12 Months Up to $130 retail ElectiveUp to $105 value 6 Key Features of the HSA HEALTH SAVINGS Triple-Tax Advantage You contribute funds pre-tax through convenient ACCOUNT (HSA) payroll deductions. This means the money comes out The Investor Plan features an HSA provided through of your paycheck before income tax is calculated. So, Flores. The HSA lets you set aside pre-tax dollars to you get to keep a bigger portion of your paycheck. help offset your annual deductible and pay for HSA funds grow tax-free, and unused funds roll over qualified health care expenses. from year to year. So, the more you save, the more How the HSA Works your account will grow—just like a bank savings account. •You contribute pre-tax dollars through automatic If you need to use your HSA funds, you can withdraw payroll deductions or make after-tax contributions them tax-free to pay for qualified health care expenses that are deductible when you file your taxes. now and in the future—even in retirement. •You may change your contributions at any time Control throughout the year. You own and control the money in your HSA. You •You can withdraw HSA funds tax-free to pay for decide how or whether you want to spend it. You can current qualified health care expenses or save use it to pay for doctor’s visits, prescriptions, braces, them for the future, also tax-free. glasses—even laser vision correction surgery. •Unused funds roll over from year to year and are Investment Opportunities yours to keep, even if you change medical plans or Once you reach and maintain a minimum threshold, leave your employer. you can make investments to help your money grow tax-free. Contribution Limits Savings Potential Coverage Tier20252026 Your HSA is like a “health care 401(k).” There is no “use it or lose it” rule. Your account grows over time Individual$4,300$4,400 as you continue to roll over unused dollars from year to year. Family$8,550$8,750 Portability Catch-up Contributions $1,000$1,000 Your HSA is yours for life. The money is yours to (Age 55 and older) 1 spend or save, even if you change health plans, retire 1.You must be enrolled in an IRS-qualified high-deductible health plan to or leave the organization. contribute to an HSA. Qualified Health Care Expenses •Qualified medical, dental, and vision expenses not Scan this code to covered by the plans, as defined by the IRS in watch a video Publication 502 about HSA limits. •COBRA premiums •Qualified long-term care insurance and expenses •Health insurance premiums when receiving Scan this code to unemployment compensation watch a video about •Medicare and retiree health insurance premiums how an HSA works. (not Medicare Supplement premiums) •Medigap insurance premiums Important Notes You must meet certain eligibility requirements to have an HSA: You a) must be at least 18 years old, b) must be covered under a qualified HDHP, c) must not be enrolled in Medicare, and d) cannot be claimed as a dependent on another person’s tax return. For more information, please refer to IRS Publication 969. Adult children must be claimed as dependents on your tax return for their medical expenses to qualify for payment or reimbursement from your HSA. 7 HEALTH REIMBURSEMENT ACCOUNT (HRA) We provide a health reimbursement account (HRA) through Flores in the employee’s name if (1) they waive health insurance due to enrollment in another Scan this code to group health plan, Medicare, Medicaid, Champus, or Tricare or (2) they are enrolled watch a video about in the Investor health plan AND Medicare. how an HRA works. An HRA is an employer-funded account from which you are reimbursed tax-free for qualified medical expenses, up to a fixed dollar amount per year. The Company funds and owns the arrangement. How the HRA Works •When you enroll in the HRA, the Company contributes to your account based on the coverage level you elect. •You may use these funds to pay for qualified out-of-pocket health care expenses, such as doctor's visits and prescription drugs. •When you incur a qualified health care expense, you may submit a claim for reimbursement. The Company will then reimburse you using funds from your account. •HRA funds that are remaining at the end of the calendar year can be rolled over to the next plan year. HRA Contributions •Employees hired after 1/1/2014 who elect to waive the medical plan due to enrollment in another group health plan, Medicare, Medicaid, Champus, or TriCare will receive $500 per year into an HRA (pro-rated for new hires). •Employees hired prior to 1/1/2014 who elect to waive the medical plan due to enrollment in another group health plan, Medicare, Medicaid, Champus, or Tricare will receive $2,850 per year into an HRA. FLEXIBLE SPENDING ACCOUNTS (FSAs) The flexible spending accounts (FSAs), provided through Flores, are tax-advantaged accounts that can help you cover certain qualified out-of-pocket expenses. Each account works in much the same way but has different eligibility requirements, list of qualified expenses and contribution limits. You may choose to enroll in the following accounts. Health Care FSA Limited-Purpose FSA Dependent Care FSA (HCFSA)(LPFSA)(DCFSA) You must be benefits eligible; enrollment You must be benefits eligible; most Eligibility Requirements in an HCFSA disqualifies you from employers also require enrollment in a Available to all employees making or receiving HSA contributionsqualified high-deductible health plan •Care of a dependent child under the •Coinsurance age of 13 by babysitters, nursery •Copayments •Dental and vision coinsurance only schools, pre-school or daycare •Deductibles •Dental and vision deductibles only centers Examples of Qualified •Dental treatment•Dental treatment •Care of household members who •Eye exams/eyeglasses•Eye exams/eyeglasses Expenses are physically or mentally incapable •LASIK eye surgery•LASIK eye surgery of caring for themselves and who •Orthodontia•Orthodontia qualify as your federal tax •Prescriptions dependent $7,500 per family (or $3,750 each if you $3,400 $3,400 Annual Contribution are married and file separate tax Limit (Projected limit for 2026)(Projected limited for 2026) returns) Important FSA Rules Because FSAs can give you a significant tax advantage, they must be administered according to specific IRS rules: •You must enroll each year to participate. Scan this code to watch a video •HCFSA: Unused funds of up to $680 (Projected limited for 2026) from one year can carry over about to the following year. Carryover funds will not count against or offset the amount that you can how an FSA contribute annually. works. •LPFSA: This type of account can be used toward eligible dental and vision expenses only. •DCFSA: Unused funds will NOT be returned to you or carried over to the following year. 8 UNDERSTANDING HEALTH SPENDING ACCOUNTS QuestionHSAHRAFSA Who can put money in this Employee or EmployerEmployer OnlyEmployee account? What is the max, allowable pre-Single - $4,400 Couple/Family - $2,850 ($500 if hired after $3,400 tax deposit per plan year?$8,7501/1/2014) (Projected limit for 2026) Do funds earn interest?Yes -- interest is tax-freeNoNo InvestorInvestor (if also enrolled in Waiver, Elite, Investor (dental & Medicare), Waiver due to vision expenses only if Which plan do I have to select enrollment in another group contribute to an HSA) to use this account? health plan, Medicare, Medicaid, Champus, or Tricare. Does money in this account YesYesYes, up to $680 rollover year to year? (Projected limit for 2026) YesYes, IF you are a 5-year vested No employee you may continue to manually submit for reimbursements until your allotted funds are exhausted for Do I take the money with me 3 years from the date of term, when I go? subject to limitations and fees. No additional funds will be added. If you are not a 5-year vested employee, your money will return to the City. Funds are available as deposited January 1st or when Flores When are the fund available for ST (1 2 pays of month)makes available use? Am I able to adjust the YesNoNo contribution amount mid-year? Yes, you retain ownership of No - Your card will deactivate upon termination. You may submit Will my card work after I your cardreceipts with in 90 days of termination, but dates of service must be terminate employment? before the end of the month in which you terminated. How to Submit a Claim with Flores Scan this code to watch a video 1.Flores Web Portal: You can scan your claim and upload it securely comparing an to www.flores247.com or complete your claim details online. HSA and an FSA. 2.Flores Mobile Smartphone App: Use your phone’s camera to take a picture of your documentation and upload it. 3.Mail Claims: Claims Processing PO Box 31397 Charlotte, NC 28231. *Please keep in mind, certified mail will need to be sent to 1218 South Church St Charlotte, NC 28203. 4.Fax Claims: 704-335-0818 or 800-726-9982 All receipts for reimbursement must include: Date of Service Provider Name Description of Service Patient Name Out-of-Pocket Cost 9 LIFE INSURANCE Life insurance, provided through Mutual of Omaha, provides your named beneficiaries with a benefit following your death, while accidental death and dismemberment (AD&D) insurance provides a benefit to you following a covered accident that leads to Scan this code to watch a dismemberment (such as the loss of a hand, foot or eye). video about how Should your death occur due to a covered accident, both life insurance works. the life benefit and the AD&D benefit would be payable. Group Term Life (employer-paid) Upon retirement, coverage may Benefit continue, if so, elected by the employee, Coverage GroupIn Line of Duty Amount in the amount of $4,000 for which the City will pay 50% of the total monthly AFCSME$15, 000$ - premium. In no event shall the City pay Fire$15,000$50,000 more than 50% of any such premium. The benefit amount is the payment your Gen. Government$12,500$ - family or beneficiary will receive if you Police$12,500$50,000 pass away. Voluntary Life and AD&D (employee-paid) Coverage Purchase Benefit Guaranteed If you determine you need more TierIncrementsAmountIssue Amount than the basic coverage, you may purchase additional insurance for Min. of $10,000; yourself and your eligible family 5x annual earnings or Employee$10,000max. of 5x annual members. Accidental Death and $150,000 salary or $500,000 Dismemberment (AD&D) volume matches the approved Life volume. Up to100% of EE 100% of elected coverage with a Eligibility: If an employee is not Spouse$5,000amount, up to maximum of actively at work on the effective $30,000 $250,000 date, the effective date will be the date the employee returns to active $10,000 as long as EE work. elects a minimum Child(ren)-$10,000 $10,000 Employee Dependents: If a dependent is Life election. confined in a hospital or similar Note: During your initial eligibility period, you can secure coverage up to the facility on the effective date, the Guaranteed Issue limits without the need for Evidence of Insurability (EOI, or effective date will be the date the information about your health). Please note that coverage amounts requiring EOI will dependent is released from the only go into effect once the insurance carrier approves them. facility. 10 Scan this code to watch a video about how DISABILITY disability insurance works. INSURANCE Long-Term Disability insurance, provided through Mutual of Omaha provides benefits that replace part of your lost income when you cannot work due to a covered illness or injury. Long-Term Disability does not cover any disabilities caused by an occupational sickness or injury. Long-Term Disability Provided at NO COST to you through Mutual of Omaha Monthly Benefit 60% of base salary Elimination Period After180 days of disability Duration of Benefits 2 years Short-Term Disability Short-Term Disability, provided by Colonial Life, pays you an income when off work due to covered injuries or illnesses (including maternity). If you elect this optional coverage benefits are payable directly to you in addition to any other employee benefits and/or insurance benefits you may be eligible for. All programs are guaranteed renewable, and you will retain payroll rates upon leaving or retiring from the company. Below are sample rates with a 0/7-day elimination for covered injury/illness and payable for up to 6 months. Other benefit amounts are available for employees to choose from! Provided at an affordable group rate from Colonial Life. Monthly Benefit$400 up to 60% of base salary Elimination Period 0 days (injury) / 7 days (illness) Duration of Benefits 6 months or until doctors approves return Rates for 24 Pay Periods 6 Months (0/7)$500/Mo.$1,000/Mo.$1,500/Mo.$2,000/Mo. 17-49$6.98$13.95$20.93$27.90 50-64$9.58$19.15$28.73$38.30 65-74$12.48$24.95$37.43$49.90 Disability is a Guarantee Issue (no health questions). Pre-existing conditions are waived for employees currently enrolled in the disability with Aflac. All new participants will have to meet a 12- month pre-existing condition. 11 VOLUNTARY BENEFITS If you have elected these optional coverages...All benefits are paid directly to you, providing a source of cash income at a time when it is needed most. All programs are guaranteed renewable, and you will retain payroll rates upon leaving or retiring from the company. Accident Insurance Rates for 24 Pay Periods Accident insurance, provided through Colonial Life, can soften the financial impact of an Employee $10.33 accidental injury by paying a benefit to you to help cover the unexpected out-of-pocket costs Employee + Spouse $16.87 related to treating your injuries. Employee + $22.34 Accident insurance pays a fixed cash benefit Children directly to you when you have a covered Family$29.00 accident-related injury, like a sprain or bone fracture. Examples of covered expenses include: •Doctor's office visits Scan this code to •Diagnostic exams watch a video about •Broken leg rehab treatment how an accident plan •Physical therapy sessions works. This plan is a Guarantee Issue - No health questions! A $75 annual screening benefit is also paid for tests such as mammograms, pap smears, cholesterol, and blood sugar. Premier hospital confinement benefits will be included too! Cancer Plan Rates for 24 Pay Periods The cancer indemnity plan, provided through Colonial Life, pays a flat dollar amount to you Employee $13.95 when a covered person is diagnosed with internal Employee + Spouse $24.10 cancer. The plan also includes a cancer screening wellness benefit. Other benefits include payments Employee + $13.95 made directly to you for: Children •Hospital confinement•Immunotherapy Family$24.10 •Medical imaging•Transportation •Radiation•Lodging Scan this code to watch •Chemotherapy a video about how a Additionally, the plan includes a $8,000 lump sum cancer plan works. initial diagnosis benefit to help with your up-front expenses to keep you from depleting your savings. See brochure for details! Wellness Benefit Your supplemental health plan(s) comes with a $100 annual wellness incentive benefit that offsets the cost. The annual screening benefit is paid for cancer pre-screening tests like mammograms, pap smears, prostate exams, and colonoscopies. This benefit is paid to each covered person who completes at least one covered wellness visit or preventive care service. This is a highlight sheet only. Rates indicated are monthly. See brochure for complete 12 details. VOLUNTARY BENEFITS Critical Illness Insurance With critical illness insurance provided through Colonial Life. you are provided a fixed, lump-sum cash benefit of up to $75,000 directly to you when you or a covered dependent are diagnosed with a covered health condition such as a heart attack, stroke, major organ failure, coma, blindness, occupational infectious HIV/Hepatitis B, C, or D, permanent paralysis due to covered accident or end-stage renal failure. You can use this benefit however you like, including to help pay for: •Increased living expenses•Travel expenses •Prescriptions•Treatments Guarantee Issue up to $35,000– health questions waived! A $50 annual screening benefit is also paid for tests such as mammograms, pap smears, PSA, cholesterol, and blood sugar. Note: Spouse and child coverage is 50% of employee coverage. Rates for 24 Pay Periods based off $20,000 Benefit (Non-Tobacco) Age17-2425-2930-3435-3940-4445-4950-5455-5960-6465-6970-74 EE / EE + $2.36$2.96$3.86$5.56$7.36$9.76$12.66$15.66$19.86$21.66$25.96 Children EE + SP / $3.60$4.40$5.80$8.20$10.90$15.00$19.60$24.10$30.80$33.40$40.10 Family Rates for 24 Pay Periods based off $20,000 Benefit (Tobacco) Age17-2425-2930-3435-3940-4445-4950-5455-5960-6465-6970-74 EE / EE + $3.36$4.36$6.16$8.96$12.16$16.76$21.86$27.16$34.96$37.96$45.76 Children EE + SP / $4.90$6.40$9.00$13.40$18.20$25.60$33.90$42.00$53.90$58.60$70.80 Family Medical Bridge: PPO Plan Medical Bridge: HSA Plan (Elite) (Investor) Provided through, Colonial Life, a Medical Bridge plan pays a Provided through, Colonial Life, a Medical lump sum payment of $1,000 to help with deductibles or other Bridge plan pays a lump sum payment of out of pocket expenses when hospitalized once per year or up $1,000/year to help with deductibles or to $500 or $1,000 when having an outpatient surgery. In other out of pocket expenses when addition, a diagnostic imaging benefit is payable up to $500 per hospitalized. year. NOTE: This option not available to employees currently enrolled in an H.S.A medical plan. Rates for 24 Pay Periods (Investor) Rates for 24 Pay Periods (Elite) Age17-4950-5960-6465-75 Age17-4950-5960-6465-75 Employee $5.67$7.72$10.78$16.88 Employee $11.23$15.82$20.10$27.05 Employee + Employee + $10.60$15.44$22.21$34.56 $21.04$31.14$40.75$55.11 Spouse Spouse Employee + Employee + $8.42$10.44$13.50$19.62 $17.04$21.60$25,90$32.80 Children Children Family$26.85$36.93$46.56$60.84 Family$13.35$18.16$24.96$37.29 13 This is a highlight sheet only. Rates indicated are monthly. See brochure for complete details. EMPLOYEE ASSISTANCE PROGRAM (EAP) Life isn’t always easy. Sometimes a personal or professional issue can affect your work, health, and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone. With Mutual of Omaha’s Employee Assistance Program, you can get the help you need so you spend less time worrying about the challenges in your life and can get back to being the productive worker your employer counts on to get the job done. Learn more about the Employee Assistance Program services available to you. The Employee Assistance Program (EAP) is provided at NO COST to you through Mutual of Omaha. EAP Benefits Feature Employee Family Clinical •An in-house team of Master’s level EAP professionals who are available 24/7/365 to provide individual assessments Services•Outstanding customer service from a team dedicated to ongoing training and education in employee assistance matters •Access to subject matter experts in the field of EAP service delivery Counseling Options•Six sessions per year (per household) conducted by either face-to-face* counseling or video telehealth via a secure, HIPAA compliant portal Exclusive Provider Network•National network of more than 10,000 licensed clinical providers •Network continually expanding to meet customer needs •Flexibility to meet individual client/member needs Access•1-800 hotline with direct access to a Master’s level EAP professional •24/7/365 services available •Telephone support available in more than 120 languages •Online submission form available for EAP service requests •EAP professionals will help members develop a plan and identify resources to meet their individual needs Employee Family•Valuable resources – legal libraries, tools and forms – available on EAP website Legal Services•A counseling session may be substituted for one legal consultation (up to 30 minutes) with an attorney •25% discount for ongoing legal services for same issue Employee Family•Inclusive financial platform powered by Enrich that includes financial assessment tools, personalized courses, articles and Work/Life Servicesresources, and ongoing progress reports to help members monitor their financial health •A counseling session may be substituted for one financial consultation (up to 30 minutes) with an attorney •25% discount for ongoing financial services for the same issue Employee Family•Child care resources and referrals Financial Services•Elder care resources and referrals Online Services•An inclusive website with resources and links for additional assistance, including: •Current events and resources •Family and relationships •Emotional well-being •Financial wellness •Substance abuse and addiction •Legal assistance •Physical well-being •Work and career •Bilingual article library Employee Communication•All materials available in English and Spanish Eligibility•Full-time employees and their immediate family members; including the employee, spouse and •dependent children (unmarried and under 26) who reside with the employee Coordination with•EAP professionals will coordinate services with treatment resources/providers within the employee’s health insurance Health Plan(s)network to provide counseling services covered by health insurance benefits, whenever possible WE ARE HERE FOR YOU Scan this code to mutualofomaha.com/eap watch a video about how an EAP works. or call us: 1-800-316-2796 14 SAFETY & WORKERS’ COMPENSATION Safety The City of Paducah provides a safe and healthy workplace for its employees. You must report all unsafe conditions or acts to your supervisor. You are expected to work safely, wear the required safety equipment and apparel, observe all safety rules, and keep your work area or vehicle neat and clean. All vehicle accidents, work-related injuries or illnesses, and property damage incidents must be reported to your supervisor immediately. Worker’s Compensation If you are unable to work because of a job-related injury, you may be eligible for income and medical benefits as prescribed by Kentucky Workers’ Compensation laws. Workers’ Compensation income benefits work in conjunction with your accrued sick pay and FMLA depending on the length of the absence. If you sustain a job-related injury or illness, report it to your supervisor immediately. Failure to report the injury immediately may delay benefits and could cause denial of your claim. 1. Injured worker notifies supervisor. 2.Supervisor/Injured worker immediately calls the injury hotline. 3.Company Nurse Injury Hotline gathers information over the phone and helps injured workers access appropriate medical treatment. MEDICARE All benefits are provided to eligible employees, including those choosing to waive any or all plans, in a manner consistent with requirements of the plan specifications, plan documents, cafeteria plan requirements, and are in no way intended as an incentive or inducement for any individuals to seek coverage through Medicare or other government programs. Eligible members who waive coverage do so as a voluntary directive and are treated in the same manner as any otherwise eligible plan member. You may qualify for automatic enrollment in Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) if one of the following applies: •You already receive social security benefits •You are under age 65 and have a disability •You have ALS (Lou Gehrig’s disease) If you are someone who is automatically enrolled in Part A and Part B, your red, white, and blue Medicare card will arrive in the mail three months prior to your 65th birthday or your 25th month of disability. If you are not automatically enrolled, you can sign up for Part A and Part B three months prior to your 65th birthday. If you continue to work and do not need Part B, you can sign up for Part B after you decide to retire from your current employment by •Applying online at Social Security, www.socialsecurity.gov/applyonline. •Visiting your local Social Security office. •Calling Social Security at 1-800-772-1213. If interested in a Medicare Supplement and/or a Part D drug card, you may contact HUB International at 800-499-8621. You must have received your Medicare card before a Supplement or drug card can be requested. 15 RETIREMENT The City participates in the County Employees Retirement System (CERS) under the Kentucky Retirement System (KRS). Eligible employees are enrolled in the CERS program effective with their date of hire. Both retirement and disability benefits are available through the CERS program. KRS sets the amount of contributions to be made by employees and employers. To contact KRS call (800) 928-4646 or go online to https://kyret.ky.gov. Cost calculations and retirement estimates can be performed online at https://myretirement.ky.gov TIME OFF VacationHolidays Full-time City employees begin accruing vacation The City recognizes the •Labor Day time from their date of hire. Employees may following holidays: •Thanksgiving Day accumulate up to a maximum of 50 days of vacation •New Year’s Day •Day After Thanksgiving at any one time. Vacation time may be taken after 6 •Martin Luther King Jr. •Christmas Eve months of employment. NOTE: Vacation accrual Day may differ for employees who are members of one •Christmas Day •Memorial Day of the City’s three unions (FOP, IAFF, AFSCME). •New Year’s Eve Day •Juneteenth •One Personal Day •Independence Day Sick TimeBereavement In the event of personal illness, the City offers a Employees who experience a death in their generous sick pay plan. Full-time City employees immediate family may take up to 3 days of paid begin accruing sick time from their date of hire. The bereavement leave. Eligibility for bereavement leave accrual of sick time depends on one of two options begins the day of death and ends the day after the chosen by the employee at the time of hire.funeral. For this purpose, “immediate family” means spouse, parent, spouse’s parent, child (natural, •Option A* - eligible employees may accrue sick adopted, step or foster), grandparents, grandparent- time up to a maximum of 242 days. in-law, grandchild, sister, brother, sister-in-law, and •Option B - eligible employees may accrue sick brother-in-law. time up to a maximum of 150 days. Unused sick time can benefit the employee at the time of their retirement with the City. Option A offers retirement credit for unused sick time, while Option B offers a cash incentive. * According to KRS changes, employees with an original participation date of 01/01/2014 or later will no longer have this option. 16 EMERGENCY TRANSPORT AirMedCare Network The City of Paducah is pleased to offer access to AirMedCare Network. Members and their entire household are guaranteed no out-of-pocket cost when transported by an AirMedCare Network provider. Employee Paid Benefit Cost Per Household Per Year$70.00 17 18 WELLNESS: MUUVWELL The City of Paducah cares about the health and well-being of our employees and remains committed to supporting wellness. In addition, invitations will be extended to covered individuals, from a health care professional based on claims data that matches preventative programs that the City will offer to assist its members in 2026. If invited, health plan members can meet with a health professional to develop an individualized wellness plan. For complete Muuvwell Program details, see your City of Paducah Wellness Manual. The following is only a highlight of the wellness program. The City’s health insurance plan pays 100% for each covered individual to have an annual routine physical. This physical is not subject to the “year and a day rule” that many doctor’s offices are accustomed to, our covered employees receive one paid physical per plan year. All documents for the wellness program should be sent to: info@muuvwell.com What to ExpectGetting Started How to start your journey: When you win, we win. MuuvWell delivers personalized health coaching, engaging wellness 1.Search and download "MuuvWell by content and simple programs that help you become HealthWorks" app, or visit muuvwell.com the best version of yourself. We will be alongside to 2.Login celebrate every step of your journey. 1.Username: email address as provided to Health and Wellness Challenges employer Be the hero of your story by participating in fun 2.Password: Temporary password provided wellness challenges. 3.Change your password by logging in, navigating 1-on-1 Coaching with MuuvWell coaches to settings, entering your new password, and Let us know your goals and we will serve as your hitting "update“. guide to get you there! How you use telehealth Earn Rewards Be rewarded for activities completed. The higher •Monday through Friday 8:00 AM-5:00 PM. you climb, the greater the reward. •Used for acute injury and illness (seasonal MuuvWell App Access allergies, colds, sore throat, fever etc.). Engaging content, data tracking, and a library of fun •To initiate a visit, call 270-408-9355. routines. •Let receptionist know your medical need and which company you are with. How you log on What you Get As a member of MuuvWell you have access to a •Mobile Login: team of wellness professionals dedicated to your •Open the “M Well” app icon on your success. Android or iOS smart device and enter •Physical Therapists your email and password. •Dietitians •Web Login: •Health Care Providers •Visit www.muuvwell.com and enter your company email and password. •Personal Trainers 19 WELLNESS: MUUVWELL MuuvWell Approved ActivitiesResources •Complete 100% of 1 month of the Strive For Five Download, login, reach out Program = 1 approved activity •MuuvWell app download: Scan code or search •Complete 2 virtual one-on-one sessions with "MuuvWell by HealthWorks“ your head coach, dietitian, or physical therapist = •Web login: www.MuuvWell.com 1 approved activity •Telehealth visits: 270-408-9355 •Maximum = 4 activities/year •Activity Submissions & Questions: info@muuvwell.com PATH Program Members with a diagnosis of hypertension, diabetes, and/or hyperlipidemia are invited to participate. Completion of this program can replace as many as 4 approved activities. To receive the benefit, members must accrue a minimum of 20 points (Slope status) during the current wellness year. Please refer to page 3 of the City of Paducah Wellness Guide for more incentive information. Point Opportunities •Message your coach: 1 Pt/Month •1-on-1 visits (virtual, telephone, in-person): 5 Pts/Visit •50% completion of Strive for Five Program: 1 Pt/Month Making the climb Messaging your coach, completing Strive for Five programs and performing one-on-one visits is how you reach Slope status. Please see the example below: 20 RESOURCES 21 21 CITY ALLOCATION The City shares the cost of medical, prescription drug, dental, and vision coverage with City employees by contributing for the plan year 2026, $10,470/year per employee. If an employee elects to have coverage under another group health plan, Medicare, Medicaid, Champus, or Tricare, and can show proof of credible coverage, the employee will receive a contribution of $2,850 into a Health Reimbursement Account (HRA). New participants to the waiver credit with a hire date after 1/1/2014 are subject to a $500 maximum employer contribution (prorated for new hires). Employees enrolled in individual health plans are not eligible for the waiver credit due to Affordable Care Act restrictions. Allocation Example for someone with Employee Only Investor Plan (Annual) Maximum Available Insurance Premium for Net (Available for Allocation Wellness CreditEmployee Only Investor PlanHSA) Annual$10,470$2,250$11,246.40$1,473.60 Monthly $872.50$187.50$937.20$122.80 Benefits Allocation Worksheet City Allocation: ________________ Earned Wellness Credit: ________________ TOTAL CREDITS: ________________ Medical Premium (see page 23): ________________ Dental Premium (see page 23): ________________ Vision Premium (see page 23): ________________ TOTAL DEDUCTIONS: ________________ CREDITS LESS DEDUCTIONS: Net to be contributed into HSA/FSA 22 PLAN CONTRIBUTIONS Your contributions toward the cost of benefits are automatically deducted from your paycheck. The amount will depend on the plan you select and if you choose to cover eligible family members. Medical Monthly / Annual Contributions Coverage: Investor Plan Monthly Premium Monthly Annual after City Allocation Employee Only$937.00$11,244.00$64.50 Employee + Spouse$1,162.50$13,950.00$290.00 Employee + Child(ren)$990.00$11,880.00$117.50 Employee + Family$1,341.50$16,098.00$469.00 Monthly / Annual Contributions Coverage: Elite Plan Monthly Premium Monthly Annual after City Allocation Employee Only$1,027.00$12,324.00$154.50 Employee + Spouse$1,366.75$16,401.00$494.00 $1,168.75$14,025.00$296.00 Employee + Child(ren) Employee + Family$1,582.75$18,993.00$710.00 DentalVision Monthly Monthly CoverageCoverage ContributionsContributions Employee Only$27.26 Employee Only$6.97 Employee + Spouse$55.63 Employee + Spouse$12.20 $58.18$13.26 Employee + Child(ren)Employee + Child(ren) Employee + Family$94.66 Employee + Family$20.24 Scan this code to watch a video about benefit terms. 23 WELLNESS INCENTIVE WORKSHEET Use the worksheet to assist in figuring you total possible incentive to earn towards nest years premiums. 24 CHOOSING THE RIGHT HEALTH CARE PROVIDER Go to the Doctor’s Go to an Urgent Care Office for:for: •Annual exams and general •Diagnostic X-rays and health issueslaboratory tests •Cold and flu symptoms (e.g., •Minor broken bones (e.g., stuffy nose, cough, fever)fingers, toes) •Minor aches and pains•Minor infections and rashes •Vaccinations•Sprains, strains and cuts •Stomach pain Go to a Retail Health Go to the Emergency Room Clinic for: for: •Common conditions such as •Chest pain, shortness of breath and pink eye and strep throatother symptoms of heart attack or stroke •Minor wounds, abrasions and skin conditions (e.g., rash from •Heavy bleeding poison ivy) •Major broken bones (e.g., arms, legs) •Major lacerations and burns Save Money Using In-Network Providers Your insurance company develops networks by contracting with doctors, hospitals, labs, and other providers that have agreed to provide health care services to members at negotiated—or discounted—rates. You’ll generally pay less out of pocket when you use providers in your plan’s network, usually referred to as in-network providers. Bottom Line: Use in-network providers whenever possible to get the lowest rate. To find in- network providers in your area or to find out whether your current provider is in your plan’s network, visit your insurance company’s website or call the number on the back of your medical ID card. 25 IMPORTANT CONTACTS Group BenefitCarrierPhone NumberWebsite/Email Number (888) 650-4047 (Elite) (888) 224-4902 (Investor) Medical AnthemW29698*You may also use the www.anthem.com phone number on the back of your insurance ID card Dental Delta Dental692290(800) 955-2030www.deltadentakky.com Vision Anthem00210630(866) 723-0515www.anthem.com HSA Flores HRA Flores(800) 532-3327www.flores247.com FSA Flores Group Term & 210630 / AD&D / Vol. Life & Mutual of Omaha G000BVFL / (800) 775-8805www.mutualofomaha.com AD&D / LTD 17391964 / STD / Voluntary Colonial LifeC8707671(866) 215-2413www.coloniallife.com Benefits EAP Mutual of Omaha(800) 316-2796www.mutualofomaha.com/eap Kyle Balliet: kyle@muuvwell.com Wellness MuuvWell Tori Riley: tori@muuvwell.com Kentucky Retirement Retirement (800) 928-4646Kyret.ky.gov Systems (KRS) Employer Name: Worker’s Company Nurse Injury Paducah City Compensation (855) 339-1889www.companynurse.com Hotline Search Code: (Claims) QB267 ANNUAL NOTICES QUESTIONS? & BENEFIT If you have additional questions, you may also contact your HR Department at 270 444- SUMMARIES 8540. Reach out to HR for copies of these documents. Disclaimer: This booklet is intended to highlight the main features of the City of Paducah employee benefit package. This booklet is intended to provide you with an overview of your employee benefits as an eligible employee of the City of Paducah. This booklet does not include all plan rules and details and should not be considered as a substitute for plan documents, summary plan descriptions, or union contract language. The terms of your benefit plans are governed by legal plan documents including insurance contracts. Should there be any inconsistencies between the booklet and the legal plan document or the rates, the plan documents will be the final authority on the benefit plan. The City of Paducah reserves the right to change a benefit/vendor/plan during the plan year. Benefits are subject to change due to changes in Federal, State, or Local laws. For more detailed plan information, please contact your Human Resources Representative. 26 NOTES 27 NOTES 28 Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Approve Strategic Health Risk Advisor & Strategic Benefit Placement Services with HUB S. – WILCOX Category: Municipal Order Staff Work By: Stefanie Wilcox Presentation By: Stefanie Wilcox Background Information: The City has utilized the Health Risk Advisor services with HUB (formerly Peel & Holland) since July 1999 pertaining to issues regarding the administration, renewal, claim resolution, cost containment and bidding process of the City's health insurance plan. Staff recommends entering into a contract with HUB to continue these services for calendar year 2026. This is a 1-year contract with HUB and does not have an increase from the previous year. This fee is payable in four equal installments of $20,475 to be billed quarterly. Authorize the Mayor to execute a contract between the City of Paducah and HUB pertaining to the administration of the City's health insurance. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Commission Priorities List Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: Authorize the Mayor to execute Employee Benefits Fee for Services Agreement with HUB. Attachments: 1. MO - contract – HUB (formerly Peel & Holland) Health Risk Advisor & Benefit Placement Services 2026 2.City of Paducah_Advisory Agreement 2026 MUNICIPAL ORDER NO. ______ A MUNICIPAL ORDER AUTHORIZING THE MAYOR TO EXECUTE A CONTRACT FOR A STRATEGIC HEALTH RISK ADVISOR & STRATEGIC BENEFIT PLACEMENT SERVICES WITH HUB (FORMERLY PEEL & HOLLAND) FOR ADMINISTRATION OF THE CITY OF PADUCAH’S HEALTH INSURANCE IN AN AMOUNT OF $81,900 BE IT ORDERED BY THE CITY OF PADUCAH, KENTUCKY: SECTION 1. The City of Paducah hereby authorizes the Mayor to execute a contract for a Strategic Health Risk Advisor and Strategic Benefit Placement Services with HUB (formerly Peel & Holland), in the amount of $81,900, payable in four equal installments of $20,475 each, for administration services pertaining to the administration of the City of Paducah’s health insurance. SECTION 2. Said contract authorized in Sections 1 and 2 above will be for the 2026calendar year. SECTION 3. This order will be in full force and effect from and after the date of its adoption. George Bray, Mayor ATTEST: Lindsay Parish, City Clerk Adopted by the Board of Commissioners, October 21, 2025 Recorded by Lindsay Parish, City Clerk, October 21, 2025 mo\\contract – HUB (formerly Peel & Holland) Health Risk Advisor & Benefit Placement Services 2026 ! EMPLOYEE BENEFITS FEE FOR SERVICES AGREEMENT hereby entered into by and between City of Paducah WHEREAS, the Client desires to continue to engage Hub to perform certain services with respect and related insurance coverages, if applicable; and WHEREAS, HUB desires to perform such services for the Client, in each case in accordance with and subject to the terms and conditions set forth in this Agreement. NOW, THEREFORE, in consideration of the mutual promises contained herein, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties agree as follows: 1. Services. Hub shall perform the insurance brokerage services set forth in the scope of services attached hereto as Exhibit A (collectively, have no obligation pursuant to this Agreement to perform any service for or with respect to any employee benefit plan that is not identified on Exhibit A. 2. Consulting Fee. Quarterly Fee- In consideration of the Services, the Client shall pay to Hub a quarterly fee in an amount equal to eighteen thousand nine hundred dollars and zero cents ($18,900.00 quarterly fee in an amount equal to one thousand five hundred seventy five dollars and zero cents ($1,575.00 total quarterly fee of twenty thousand four hundred seventy five dollars and zero cents ($20,475.00) - The Client shall pay to Hub the Consulting Fee promptly (but in no event later than thirty (30) days) following the date of any applicable invoice Client acknowledges that the majority of e first six months following the Commencement Date or any annual anniversary thereof. Therefore, Hub reserves the right to invoice the C Consulting Fee during the first month of any annual term of this Agreement. The Client acknowledges that Hub reserves the right to reasonably adjust the Consulting Fee upon notice to the Client in the event that the nature or extent of the Services changes, including, for example, as a result of a significant change in the size In further consideration of the Services, Hub will be paid by each applicable insurance carrier core commissions which are currently expected to be as follows: Dental: 10% of monthly premium Vision: 10% of monthly premium Group Term Life: 15% of monthly premium Vol. Life: 15% of monthly premium 2! ! ! LTD: 15% of monthly premium Colonial: 35% of monthly premium (first year) / 3% of monthly premium (renewal) Core commissions may increase or decrease as determined by the applicable insurance carrier. In addition, Hub may be paid from time to time by each such carrier or agent contingent commissions, guaranteed supplemental commissions, profit sharing payments, bonuses, override commissions, or other profit-, volume- or incentive-based non-standard commissions, which commissions may or may not relate, in whole or in part, to the employee benefits plans for which the Client appoints and maintains Hub as broker of record from time to time. Hub also may be paid other commissions or fees from other third parties that may from time to time perform employee benefits-related services on behalf of the Client. The Client acknowledges that it has available at hubinternational.com. 3. Independent Contractor. Hub shall perform the Services as an independent contractor. The parties intend to have an independent contractor relationship, and do not intend to have a relationship in the nature of an employer-employee, partnership, joint venture or agency. 4. Representations and Warranties. Hub represents and warrants that it has all necessary authority and approval to enter into this Agreement and that it will perform the Services in a professional manner in accordance with prevailing insurance brokerage industry standards. Except as otherwise provided for herein, all services performed pursuant to this Agreement, whether the services are performed of any kind. Hub makes no express or implied representations or warranties with respect to such services, including without limitation any express or implied warranty of merchantability or fitness for a particular purpose or intended use. 5. Information Submission. The Client shall timely submit to Hub all information in the perform the Services, and the Client is responsible for the accuracy and completeness of such information. Such information includes, but is not limited to, historical benefits plan documentation, plan census information or other information that Hub must provide to carriers, benefits vendors or other third parties for underwriting, marketing, quoting, servicing or other purposes. If Hub establishes a deadline by which the Client is required to provide certain information to Hub, the Client agrees to provide the information by that deadline, unless Hub agrees to an extension. The Client hereby consents to Hub sharing with third parties, whether engaged by Hub or the Client, information Hub receives from the Client as necessary or advisable to provide the Services or as otherwise requested by the Client. The Client shall be responsible for obtaining all individual consents and all other legally necessary consents or permissions required or advisable to disclose, process, retrieve, transmit or view the information it submits or receives in connection with H be responsible for retaining for its own use information that it delivers to, or receives from, Hub and for taking other precautions the Client deems necessary in the event that such information or other materials delivered to Hub are lost or destroyed. 6. Nature of Services; Plan Operation. The Client acknowledges that the Services are not of a legal nature and that Hub will in no event give, or be required to give, any legal or tax opinion or advice, 3! ! ! or otherwise provide any legal or tax representation to the Client. The Client is responsible to procure its own legal or tax advice to the extent required or prudent for the Client to obtain the full benefit of the Services or otherwise. The Client acknowledges that Hub will in no event assume any responsibility or authority for or with respect to any of the following: the selection, design, funding or operation of any employee benefits plan or the compliance of any such plan with applicable plan documents or law; duties incumbent upon or required to be performed by a plan under any employee benefits plan; or insuring or underwriting any liability to provide any benefit under any employee benefits plan. Without limiting the generality of the foregoing, the Client acknowledges that Hub is not a fiduciary with respect to any of the as no discretion with respect to the management or administration, or control or authority over any assets, discretion and control shall remain with the Client an plans. 7. Non-Core Functions. From time to time, Hub may perform or provide, or arrange for the performance by third parties of, services that are not directly related to the Services, including the provision to the Client of sample documents or forms, whether or not related to those employee benefits plans Core Functions, if at all, as a courtesy to the Client and does not warrant the Non-Core Functions in any regard. Without limiting the generality of Section responsibility to ensure that the Non-Core Functions are performed, and that any template or sample document or form that is provided to the Client by Hub is utilized, properly and in accordance with applicable plan documents and law. The Client acknowledges and agrees that Hub shall have no liability arising out of or relating to the performance of the Non-Core Functions. Except as otherwise agreed to between the parties from time to time, Hub shall not be responsible to make payment on behalf of the Client to any third party for any of the Non-Core Functions. 8. Term and Termination. This term of this Agreement shall begin on the Commencement Date and continue in full force and effect unless earlier terminated in accordance with this Section. Either party may terminate this Agreement upon at least ninety (90) days advance written notice to the other party; provided, however, that no such termination shall be effective prior to the first annual anniversary of the Commencement Date. In the event of termination of perform the Services shall terminate immediately. 9. Business Associate Agreement. In connection with the execution of this Agreement, the parties shall use good faith efforts to execute a Business Associate Agreement in substantially the same form as attached hereto as Exhibit B, unless (a) as of the Commencement Date, the parties have entered into an enforceable Business Associate Agreement (in which case such Business Associate Agreement shall continue in full force and effect in accordance with its terms) or (b) the parties determine that applicable law does not require that they enter into a Business Associate Agreement (and, for the avoidance of doubt, in either case, references in this Agreem 10. LIMITATION OF LIABILITY. IN NO EVENT WILL A PARTY HERETO OR ITS AFFILIATES BE LIABLE TO THE OTHER PARTY OR ANY OF ITS AFFILIATES UNDER THIS AGREEMENT FOR INCIDENTAL, CONSEQUENTIAL, INDIRECT, PUNITIVE, SPECIAL OR SIMILAR DAMAGES (INCLUDING LOSS OF PROFITS, DATA, BUSINESS OR GOODWILL) 4! ! ! CAUSED BY ITS ACTS OR OMISSIONS UNDER THIS AGREEMENT, REGARDLESS OF WHETHER SUCH LIABILITY IS BASED ON BREACH OF CONTRACT, TORT, STRICT LIABILITY, BREACH OF WARRANTIES, FAILURE OF ESSENTIAL PURPOSE OR OTHERWISE, EVEN IF SUCH PARTY IS ADVISED OF THE LIKELIHOOD OF SUCH DAMAGES. 11. Intellectual Property Rights. Nothing herein shall be construed to grant to the Client any intellectual property right in any insurance or insurance brokerage know-how, expertise, technique, methodology or strategy, or any form, template, source or similar documentation or program, that from time to time have been, is or may be utilized by Hub in connection with the operation of its business or the performance of the Services. 12. logo for the express and sole purpose of identifying the Client as a client of Hub in the marketing materials is Section shall be subject to any restrictions or guidelines which may be provided from time to time by the Client to Hub. In the event that the Client withdraws the authorization set forth in this Section, Hub shall use commercially reasonable efforts to ame or logo from any marketing materials of Hub. 13. Governing Law; Venue. This Agreement will be governed by, and construed in accordance with, the substantive laws of the State or Commonwealth where the Hub office is located (as reflected at without regard to its choice of law rules. The parties consent to exclusive venue and personal jurisdiction of any federal or state court located in the county where the Hub Office is located (provided that if no such court is located in that county, venue and personal jurisdiction will be exclusively exercised by the nearest applicable court having jurisdiction over that county). 14. Counterparts. This Agreement may be executed and delivered (including by facsimile, counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. 15. Entire Agreement. Except as provided in Section 9, this Agreement sets forth the entire agreement and understanding, and supersedes any and all prior or contemporaneous agreements and understandings, oral or written, between the parties regarding the subject matter hereof. 16. Notice. Unless otherwise agreed to by the parties, all notices required under this Agreement (except, for the avoidance of doubt, those ordinary course communications relating to product pricing, changes, etc.) will be deemed effective when received and made in writing by (a) registered mail, (b) certified mail, return receipt requested, or (c) a national overnight courier service, in each case sent to the applicable address set forth immediasignature (or such other address as either party may designate in writing in accordance with this Section). 17. Amendments and Waivers. This Agreement may not be amended or waived except by an instrument in writing signed, in the case of an amendment, by an authorized representative of each party to this Agreement or, in the case of a waiver, by the party against whom such waiver is to be effective. No course of conduct or failure or delay by any party in exercising any right, power or privilege hereunder 5! ! ! shall operate as a waiver thereof, nor shall any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege. 18. No Third Party Beneficiaries. Nothing in this Agreement, express or implied, is intended or shall be construed to confer upon any third party other than the parties hereto and their respective successors and permitted assigns any right, remedy or claim under or by reason of this Agreement. 19. Assignment. This Agreement, and the parti be assigned or assumed by another without the prior written consent of the other party; provided, however, gned to an affiliate of Hub without the consent of the Client. This Agreement shall inure to the benefit of, and be binding upon the parties hereto, their successors and permitted assigns. 20. Force Majeure. Neither of the parties shall be liable to the other for any failure to satisfy an obligation under this Agreement due to any cause limited to, inclement weather, Acts of God, war, riot, terrorist acts, malicious acts of damage, civil commotion, industrial dispute, power failure or fire. 21. Severability. Each party agrees that all covenants and agreements set forth in this Agreement constitute a series of separate covenants and are severable. The invalidity, illegality or unenforceability of any provision of this Agreement will not affect the validity, legality and enforceability of the remaining provisions of this Agreement. \[Remainder of page left intentionally blank\] 6! ! ! IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the Commencement Date. HUB International- Mid- South City of Paducah By: By: ```````````````````````````! !!!!!! Name: Cooper Jones Name: Title: President Title: Hub address:, Client address: Hub International- Mid South City of Paducah 1120 Main St300 South 5th Street Benton, KY 42025 Paducah, Kentucky 42002 Attention: DJ Story or April Rambo Attention: Stefanie Wilcox For Notices, a copy (which will not constitute notice) shall be sent to: Hub International Limited c/o Legal Department 150 North Riverside Plaza, 17th Floor Chicago, IL 60606 7! ! ! Exhibit A SCOPE OF SERVICES Benefit Advisory Services GENERAL ADVISORY SERVICES 1. Review all insurance contracts and employer forms relating to health, vision, dental, and drug benefits, HRA, H.S.A. and make recommendations to the CLIENT on such contracts. 2. Coordinate on-site enrollers or web-based enrollments and assistance with annual open enrollment for eligible employees during the period(s) contracted. 3. Provide assistance with questions on behalf of CLIENT including but not limited to health insurance claims, eligibility, plan selection for employees. 4. Provide consultation on issues relating to cost share, stop-loss and plan administration, and oversight in bid processes annually. 5. Review and provide commentary on plan data such as claims, administrative and reinsurance costs and comparisons of data for varying years on a quarterly basis agreed to committees and/or the City Commission, or City Manager as agreed to by CLIENT. 6. Prepare annual request for proposals (RFP) for years CLIENT requests formal bid processes. Provide oversight and coaching services in review of bids, assembly of data received by bidders and make specific recommendations to CLIENT for placement or procurement of health/drug, dental and vision insurance contracts. 7. Review preferred provider agreements and assist client in comparing and selecting preferred provider organizations (PPO). 8. Assist CLIENT with meetings and coach on benefit plan issues with employee groups as requested by CLIENT. 9. When qualified provide advice for all other areas of health, dental and drug plan operations as requested by CLIENT. 10. Provide COBRA administrative services via a separate administrative party as per a separate agreement between, Flores & Associates and CLIENT. 11. Provide expert witness services in connection for employer and employee bargaining, legal matters, disputes, or similar issues, as requested 8! ! ! 12. Provide data analytics with customized reporting and care management integration with disease management firms chosen independently by CLIENT. 13. Access to the HUB International Compliance Team. Exhibit B 9! ! ! FORM OF BUSINESS ASSOCIATE AGREEMENT See attached. :! ! Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Administrative Services Only (ASO) Agreement with Anthem Blue Cross Blue Shield - S. WILCOX Category: Municipal Order Staff Work By: Stefanie Wilcox Presentation By: Stefanie Wilcox Background Information: DJ Story of HUB recommends that the city continue with Anthem Blue Cross Blue Shield for the 2026 plan year, effective January 1, 2026, as the City's Third-Party Administrator (TPA) to provide claims administrative services related to the City's health insurance plan. Remaining with Anthem offers the best overall option for quality of plans, administrative services and competitive discount rates and factors. A summary of Anthem's administrative fees, rates and factors is attached. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Commission Priorities List Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: Authorize the Mayor to execute ASO agreement and all other documents with Anthem Blue Cross Blue Shield for administrative services only. Attachments: 1.MO - administrative services - Anthem 2026 2.Agenda ASO City of Paducah 2026 3 YR Pricing Summary 3.Agenda Anthem City of Paducah Revised Proposal w_updated plan infor 10.14.2025LT_Medical_ASO 4.Agenda Anthem second City of Paducah Revised Proposal w_updated plan infor 10.14.2025LT_Medical_ASO 5.Medicare_Sec Payer_ER_Status_Form (Rev 1 07) MUNICIPAL ORDER NO. _______ A MUNICIPAL ORDER AUTHORIZING AN AGREEMENT FOR ADMINISTRATIVE SERVICES WITH ANTHEM BLUE CROSS BLUE SHIELD FOR THE GROUP HEALTH INSURANCE PLAN FOR THE CITY OF PADUCAH, KENTUCKY FOR THE 2026PLANYEAR AND AUTHORIZING THE MAYOR TO EXECUTE ALL DOCUMENTS RELATING TO SAME BE IT ORDERED BY THE BOARD OF COMMISSIONERS OF THE CITY OF PADUCAH, KENTUCKY: SECTION 1. That the City of Paducah authorizes and approves an agreement withAnthem Blue Cross Blue Shield as the City’s Third-Party Administrator to provide claims administrative services related to the City’s health insurance plan. The effective date of this Agreement is January 1, 2026 and ending December 31, 2026. SECTION 2. The Mayor is hereby authorized to execute all documents relating to administrative services as authorized in Sections 1 above. SECTION 3. This Order shall be in full force and effect from and after the date of its adoption. _________________________________ George Bray, Mayor ATTEST: __________________________________ Lindsay Parish, City Clerk Adopted by the Board of Commissioners, October 21, 2025 Recorded by Lindsay Parish, City Clerk, October 21, 2025 \\mo.\\ administrative services - Anthem 2026 Pharmacy Pricing Selections CITY OF PADUCAH Effective:01/01/2026 - 12/31/2028 Total subscribers:276 PRODUCT SELECTIONS Retail Network Base Network Non-Specialty Maintenance Network Optional Home Delivery Retail 90 + Optional Home Delivery Specialty Network Exclusive Specialty Formulary National Formulary CLINICAL PROGRAMS INCLUDED IN PRICING Fraud, Waste, and Abuse (FWA) ServicesIncluded Clinical Prior Authorization$55.00 per occurrence Step Therapy$0.30 per script Quantity Limits and Dose Optimization$0.55 per script Client Reporting Packages - Base PackageIncluded Rx Care Nexus$0.75 per script Specialty Drug Accumulator RulesIncluded Specialty Condition Management - StandardIncluded EnsureRxIncluded at no cost NOTE: THE PRICING PRESENTED IS CONTINGENT UPON ADOPTION OF THE ABOVE PROGRAMS ACROSS ALL PLANS. CHANGES TO THESE PROGRAMS WILL RESULT IN REPRICING. OPTIONAL PROGRAMS (select requested programs) Client Reporting Packages - Enhanced Package$0.12 per script RDS Support ServicesFee Varies Specialty Cost Optimization ProgramIncluded Cost Relief25% of savings Weight Management Program$380 per enrolled member per year The Pharmacy Pricing Guarantees presented assume the adoption of all clinical programs included in pricing. Authorized Signature: Title: Date: Please confirm the selections available and sign above in order for implementation to be initiated. Document ID I-24474-90272-1-1 CGP 5/20/2025 Document ID I-11111-11111-1-1 Page 1 of 2 Fixed Administrative Costs (ASO) CITY OF PADUCAH Effective January 1, 2026 through December 31, 2026 Current1/1/2026 1/1/2027 1/1/2028 1/1/2029 1/1/2030 through through through through through Fixed Administrative Costs 12/31/202612/31/202712/31/202812/31/202912/31/2030 PCPMPCPMPCPMPCPMPCPMPCPM Subscribers 278278 Members 572572 Medical and Pharmacy Administration $48.35$48.84$0.00$0.00$0.00$0.00 Pharmacy Rebate Offset($36.93)($37.04)$0.00$0.00$0.00$0.00 External Stoploss Coordination Fee $5.00$5.00$0.00$0.00$0.00$0.00 $1.27$1.85$0.00$0.00$0.00$0.00 Composite Total:$17.69$18.65 $0.00 $0.00 $0.00 $0.00 Annual fixed administrative costs based on $59,014$62,216 $0 $0 $0 $0 assumed enrollment: Percentage Change:5.4%0.0%0.0%0.0%0.0% Authorized Signature:_____________________________________________ Title:____________________ Date:____________________ Additional Fee Disclosures: See Additional Service Fees and Pharmacy Pricing for disclosure of additional service fees which are not included on this cost summary. The Pharmacy Rebate Offset reflects the National Formulary. The offset may be adjusted if a different pharmacy formulary is sold. 0556429-07 Assumptions and conditions (ASO) CITY OF PADUCAH Effective January 1, 2026 through December 31, 2026 SIC Code: 9199 Administrative Services Only (ASO) - This is an integrated medical and pharmacy offering. coverage, with an average member to employee ratio of 2.06. fy these fees or rates under any of the following circumstances: - Due to any taxes, fees and assessments prescribed by any statutory, regulatory or other legal authority, that in Anthem's discretion, invalidates this quote. - Legislation or other matters that impact Anthem's costs or revenues under this proposal - Should the total enrollment or enrollment distribution by membership type, product or location change by 10% or more from that assumed when preparing the pricing for this package. - Actual Member to Subscriber ratio is not within +/-5% of 2.06. - A change to the plan benefits that result in substantial changes in the service, networks, or benefit design, as determined by - Changes in proposal terms, conditions, services or product from this quotation. - Any of the plan benefits administered by Anthem are moved to another third party administrator or private exchanges. - Anthem is not the sole medical carrier. more. and described in an Administrative Services Agreement and this agreement will be the binding agreement between the parties. has not yet approved, these benefits and rates may need to be month (PCPM) basis. PCPM is equivalent to, and will be described as per subscriber per month in the Administrative Services Agreement. responsible for complying with all applicable laws. at. Additional charges may apply for non-standard formats. claims and fixed fees Weekly, with payment required within 3 business days from receipt of invoice. for claims administration and the handling of the claims complaint and appeals. To the extent ERISA applies, the employer remains the Named Fiduciary of the plan. date is the responsibility of the prior claims administrator. requirements of the Prepaid Health Care Act. We recommend that you obtain direct quotes for either an individual policy for employees who live and work in Hawaii or if there are several employees within an employer group to obtain group coverage from a Hawaii authorized insurer. This would ensure that all the state requirements are met. Assumptions and conditions (ASO) CITY OF PADUCAH Effective January 1, 2026 through December 31, 2026 SIC Code: 9199 Administrative Services Only (ASO) an HRA integrated with individual health insurance coverage. Anthem must be notified if particular classes of employees will be offered an HRA integrated with individual health insurance coverage, and a census of those employees must be provided so that appropriate adjustments, if needed, can be made to this offer. with all premium or fees as of the effective date of the renewal, unless specifically agreed to in writing in advance by Anthem. CITY OF PADUCAH documents relating to claims submitted to Anthem. Documentation includes, but is not limited to, claims, case management, utilization management records, audit records (including audits of TPA and TPA's providers and vendors), eligibility, as well as other information requested by Anthem. Anthem also has the right to review and audit records related to subrogation and other recoveries. the terms of this offer without prior approval of Anthem. conjunction with this proposal, if applicable, must be invoiced prior to the end of the plan year in which they are allocated in order to be funded. Authorized Signature: ___________________________________________________________________________________ Title: _________________________________________________________________________________________________ Date: _________________________________________________________________________________________________ Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans of Kentucky, Inc. Independent licensee of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. - 0556429-07 !Nfejdbsf!Tfdpoebsz!Qbzfs! Fnqmpzfs!Tubuvt!Gpsn! Qmfbtf!dpnqmfuf!uijt!gpsn!up!bttjtu!xjui!dpnqmjbodf!xjui!uif!Nfejdbsf!Tfdpoebsz!Qbzfs!sfhvmbujpot!pg!uif!Dfoufst!gps!Nfejdbsf!boe Nfejdbje!Tfswjdft!)DNT*/!Zpv!nbz!xbou!up!difdl!xjui!zpvs!mfhbm!dpvotfm!up!dpogjsn!uif!Nfejdbsf!Tfdpoebsz!Qbzfs!sfrvjsfnfout/! Hspvq!obnf!Hspvq!dpoubdu! City of PaducahStefanie Wilcox Hspvq!jefoujgjdbujpo!op/!Ufmfqipof!op/! Uif!cvtjoftt!ps!pshboj{bujpo!)Hspvq*!obnfe!bcpwf;! 9 Epft!OPU!Epft ibwf!31!ps!npsf!fnqmpzfft!gps!fbdi!xpsljoh!ebz!jo!fbdi!pg!31!ps!npsf!dbmfoebs!xfflt!jo!uif!dvssfou!dbmfoebs!zfbs!ps!uif!qsfdfejoh dbmfoebs!zfbs-!boe Epft!OPU!9 Epft ibwf!211!ps!npsf!fnqmpzfft!po!61!qfsdfou!ps!npsf!pg!jut!sfhvmbs!cvtjoftt!ebzt!evsjoh!uif!qsfdfejoh!dbmfoebs!zfbs/ Fnqmpzfft!jodmvef!)fwfo!jg!uifz!bsf!opu!fmjhjcmf!gps!Bouifn!hspvq!ifbmui!qmbo!cfofgjut*; Qbsu.ujnf-!gvmm.ujnf!boe!mfbtfe!fnqmpzfft<! 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Jg!uijt!gpsn!tubuft!b!dibohf!jo!uif!dbufhpsz!)j/f/-!voefs!31-!pwfs!31!ps!pwfs!211!fnqmpzfft*!gps!uif!Hspvq-!uifo!b!dpqz!pg!uif!cvtjoftt ps!pshboj{bujpot!mbuftu!xbhf!boe!uby!tubufnfou!nvtu!cf!buubdife!boe!sfuvsofe!xjui!uijt!gpsn/ J!dfsujgz!uibu!uif!jogpsnbujpo!qspwjefe!bcpwf!jt!usvf!up!uif!cftu!pg!nz!lopxmfehf!boe!cfmjfg/ Hspvq!benjojtusbups!tjhobuvsf!Ebuf Life and Disability products are underwritten by Anthem Life Insurance Company. In Indiana: Anthem Blue Cross and Blue Shield is a trade name of Anthem Insurance Companies, Inc. In Kentucky: Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans of Kentucky, Inc. In most of Missouri, Anthem Blue Cross and Blue Shield is the trade name of RightCHOICE§ Managed Care, Inc. (RIT), Healthy Alliance§ Life Insurance Company (HALIC) and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc.). RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Ohio: Anthem Blue Cross and Blue Shield is the trade name of Community Insurance Company. In Wisconsin, Blue Cross Blue Shield of Wisconsin ("BCBSWi") underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare") underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Rev. 1/07 § Anthem is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. MUNICIPAL ORDER NO. _______ A MUNICIPAL ORDER APPROVING AND ADOPTING THE COMPREHENSIVE HEALTH INSURANCE BENEFIT PLAN PREMIUMS, THE VISION INSURANCE PLAN PREMIUMS, AND THE DENTAL INSURANCE PLAN PREMIUMS FOR CALENDAR YEAR 2026 FOR EMPLOYEES OF THE CITY OF PADUCAH, AND AUTHORIZING THE MAYOR TO EXECUTE ALL DOCUMENTS RELATED TO SAME BE IT ORDERED BY THE BOARD OF COMMISSIONERS OF THE CITY OF PADUCAH, KENTUCKY: SECTION 1. That the City of Paducah approves and adopts the following monthly health insurance premiums for calendar year 2026 for employees of the City of Paducah: Health Insurance: Investor Plan2026 Annual2026 MonthlyBi-WeeklyAnnual Increase Employee$ 774.00$ 64.50$ 32.25$126.00 Employee/Spouse3,480.00290.00145.00576.00 Employee Child1,410.00117.5058.75234.00 Family5,628.00469.00234.50936.00 Elite Plan2026 Annual2026 MonthlyBi-WeeklyAnnual Increase Employee$1,854.00$154.50$ 77.25$ 306.00 Employee/Spouse5,928.00494.00247.00984.00 Employee Child3,552.00296.00148.00588.00 Family8,520.00710.00355.001,416.00 SECTION 2. That the City of Paducah hereby approves the following monthly premiums for the Blue View Vision Plan through Anthem BlueCross BlueShield for vision care for employees for calendar year 2026: Vision Insurance: Monthly Premium Employee$6.58 Employee/Spouse$11.51 Employee Child$12.51 Family$19.09 SECTION 3. That the City of Paducah hereby approves the following monthly premiums for the Delta Dental Plan for optional dental care for employees for calendar year 2026: Dental Insurance Monthly Premium Employee$27.26 Employee/Spouse$55.63 Employee Child$58.19 Family$94.66 SECTION 4. That the premiums for the Comprehensive Health Insurance Benefit Plan, the Blue View Vision Plan and the Delta Dental Plan for employees of the City of Paducah, adopted in Sections 1, 2 and 3 above, shall become effective January 1, 2026. SECTION 5. That the Mayor is hereby authorized to execute all documents related to the premiums approved in Sections 1, 2 and 3 above. SECTION 6. This order shall be in full force and effect from and after the date of its adoption. ______________________________ George Bray, Mayor ATTEST: ______________________________ Lindsay Parish, City Clerk Adopted by the Board of Commissioners, October 21, 2025 Recorded by Lindsay Parish, City Clerk, October 21, 2025 \\mo\\Health Vision & Dental Premiums 2026 Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Stop Loss Insurance with Voya Financial Advisors. Inc. - S. WILCOX Category: Municipal Order Staff Work By: Stefanie Wilcox Presentation By: Stefanie Wilcox Background Information: Since January 1, 2023, the City of Paducah has purchased stop loss insurance with Voya to protect the City's health insurance plan in the event of a catastrophic claim(s). It is recommended, for the 2026 plan year beginning on January 1, 2026, the Commission renew the agreement with Voya Financial Advisors, Inc. to purchase stop loss insurance which is set at a $175,000 maximum city liability per person (individual stop loss), Voya assumes liability for all claims in excess of this amount, and $3,802,433 maximum city liability of total claims combined (aggregate stop loss limit), Voya assumes liability for all claims in excess of the aggregate total up to $1,000,000. Premium rates are $140.37 per member per month for individual stop loss insurance; and $6.18 per member per month for aggregate stop loss insurance. This is a total of 27.53% increase from last year. The Gene Therapy Stop-loss (GTS) coverage $4.05 per member per month to assist with high prescription drug costs related to gene therapy. The producer/agent of record where monthly premium payments will be made is Strategic Benefit Resources. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Commission Priorities List Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: Authorize the Mayor to execute a Stop Loss Agreement and any other documents related to such with Voya Financial Services, Inc. for stop loss, GTS, and aggregate insurance coverage. Attachments: 1. MO - health ins-stop loss coverage – Voya- 2026 2.Proposal_City of Paducah-01-01-2026-Renewal 3.SBR Sales Sheet + Proposal 09052025 MUNICIPAL ORDER NO. ______ A MUNICIPAL ORDER ACCEPTING THE RATES FOR STOP LOSS INSURANCE COVERAGE, AUTHORIZING AN AGREEMENT WITH VOYA FINANCIAL ADVISORS, INC., FOR THE CITY OF PADUCAH, KENTUCKY FOR THE 2026 CALENDAR YEAR AND AUTHORIZING THE MAYOR TO EXECUTE ALL DOCUMENTS RELATING TO SAME BE IT ORDERED BY THE BOARD OF COMMISSIONERS OF THE CITY OF PADUCAH, KENTUCKY: SECTION 1. That the City of Paducah accepts the rates offered through Voya Financial Advisors, Inc., for Stop Loss Insurance Coverage for the group health insurance plan for the City of Paducah, Kentucky. Effective January 1, 2026. The stop loss rates are as follows: 1) Individual Stop Loss - $175,000 maximum City liability per person with a monthly rate of $140.37 per member; and 2) Aggregate Stop Loss - $3,802.433 maximum City liability of total claims combined with a monthly rate of $6.18 per member. Voya assumes liability for all claims in excess of the aggregate total up to $1,000,000. 3) Gene Therapy Stop Loss (GTS) $4.05 per member per month to assist with high prescription drug costs related to gene therapy. SECTION 2. The Mayor is hereby authorized to execute all documents relating to stop loss insurance coverage as authorized in Sections 1 above. SECTION 3. The producer/agent of record where monthly premium payments will be made is Strategic Benefit Resources. SECTION 4. This Order shall be in full force and effect from and after the date of its adoption. _________________________________ George Bray, Mayor ATTEST: ____________________________ Lindsay Parish, City Clerk Adopted by the Board of Commissioners, October 21, 2025 Recorded by Claudia S. Meeks, Assistant City Clerk, October 21, 2025 \\mo.\\health ins-stop loss coverage – Voya- 2026 Stop Loss Insurance Renewal Offer Voya Health Solutions Prepared for: City of Paducah Effective Date 01/01/2026 Policy Number 733059 Excess Risk Insurance is issued by ReliaStar Life Insurance Company, a member of the Voya® family of companies. Page 1 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Stop Loss Proposal for City of Paducah Individual Excess Risk Insurance Plan DescriptionCurrentRenewal Option 1Renewal Option 2 Plan Effective DateJanuary 1, 2025January 1, 2026January 1, 2026 CoveragesMedical, RxMedical, RxMedical, Rx Individual Deductible$ 175,000$ 175,000$ 200,000 Policy Year MaximumUnlimited Unlimited Unlimited Lifetime MaximumUnlimitedUnlimitedUnlimited Paid in 12 Months and Paid in 12 Months and Paid in 12 Months and Coverage Periodincurred Jan 01, 2022 or incurred Jan 01, 2022 or incurred Jan 01, 2022 or afterafterafter Benefit Percentage 100%100%100% Rates Include Commissions of:NoneNoneNone Endorsements Renewal Advantage (No New Laser)IncludedIncludedIncluded Renewal Rate Cap50.00 %50.00 %50.00 % Plan MirroringIncludedIncludedIncluded ASO Expedited ReimbursementIncludedIncludedIncluded Coverage DescriptionEnrollment 283 $ 108.97$ 140.37$ 121.01 Composite Cost Estimated Monthly Costs$ 30,838$ 39,725$ 34,246 Estimated Annual Costs$ 370,062$ 476,697$ 410,950 28.82%11.05% % Change from Current Page 2 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Aggregate Excess Risk Insurance Plan DescriptionCurrentRenewal Option 1Renewal Option 2 Plan Effective DateJanuary 1, 2025January 1, 2026January 1, 2026 CoveragesMedical, RxMedical, RxMedical, Rx Aggregate Adjustment Corridor125 %125 %125 % Individual Deductible$ 175,000$ 175,000$ 200,000 Maximum Annual Reimbursement$ 1,000,000$ 1,000,000$ 1,000,000 Paid in 12 Months and Paid in 12 Months and Paid in 12 Months and Coverage Periodincurred Jan 01, 2022 or incurred Jan 01, 2022 or incurred Jan 01, 2022 or afterafterafter Rates Include Commissions of:NoneNoneNone Coverage DescriptionEnrollment $ 5.94$ 6.18$ 6.66 Composite283 Monthly Aggregate Corridor* 283$ 944.88$ 1,119.68$ 1,190.90 PEPM Aggregate Deductible$ 3,208,812$ 3,802,433$ 4,044,296 Minimum Aggregate Deductible at 85%$ 2,727,491$ 3,232,068$ 3,437,652 Select Acceptance Choice *Monthly Aggregate Corridor means the Monthly Aggregate Factor (amount of expected claims per month per covered person) multiplied by the Aggregate Adjustment Corridor. Page 3 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Individual Excess Risk Insurance Plan DescriptionRenewal Option 3 Plan Effective DateJanuary 1, 2026 CoveragesMedical, Rx Individual Deductible$ 225,000 Policy Year MaximumUnlimited Lifetime MaximumUnlimited Coverage PeriodPaid in 12 Months and incurred Jan 01, 2022 or after Benefit Percentage100% Rates Include Commissions of:None Endorsements Renewal Advantage (No New Laser)Included Renewal Rate Cap50.00 % Plan MirroringIncluded ASO Expedited ReimbursementIncluded Coverage DescriptionEnrollment 283 $ 106.67 Composite Cost Estimated Monthly Costs$ 30,188 Estimated Annual Costs$ 362,251 -2.11% % Change from Current Page 4 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Aggregate Excess Risk Insurance Plan DescriptionRenewal Option 3 Plan Effective DateJanuary 1, 2026 CoveragesMedical, Rx Aggregate Adjustment Corridor125 % Individual Deductible$ 225,000 Maximum Annual Reimbursement$ 1,000,000 Coverage PeriodPaid in 12 Months and incurred Jan 01, 2022 or after Rates Include Commissions of:None Coverage DescriptionEnrollment $ 7.11 Composite283 Monthly Aggregate Corridor* 283$ 1,203.33 PEPM Aggregate Deductible$ 4,086,509 Minimum Aggregate Deductible at 85%$ 3,473,533 Select Acceptance Choice *Monthly Aggregate Corridor means the Monthly Aggregate Factor (amount of expected claims per month per covered person) multiplied by the Aggregate Adjustment Corridor. Page 5 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Stop Loss Proposal for City of Paducah Account Assumptions Renewal As Of DateOctober 14, 2025 Renewal Good ThroughOctober 24, 2025 Situs StateKentucky Claim AdministratorAnthem Blue Cross Blue Shield (KY) Network2026-01 BlueCross BlueShield (State) Additional Contract Specifications: No fully insured lives are covered. Any FDA approved cell and gene therapies are covered under our Stop Loss policy, provided they are also covered under the group’s medical plan and used for the purpose for which they were approved. This includes any new approvals that occur mid-policy year. We also exclude these high-cost claims from the following year’s renewal package, helping to lower the impact of this cutting-edge care on self-funded employer costs. In addition to base commissions, certain brokers and/or service providers may receive compensation related to factors such as overall sales of Company products, total premium for products sold through the broker/service provider, growth in the number of customers, and retention of existing customers. Compensation and fees may also be paid to brokers and/or service providers for administrative services in connection with Company products. Please contact us if you would like additional detail on compensation and fees payable on your case. Quote assumes pharmacy benefits are not carved out to a separate Pharmacy Benefit Manager. Plan designs and contribution levels are assumed as submitted to underwriting. Any changes may require an adjustment to the individual excess risk rates and/or monthly aggregate corridor. Plan must have medical case management and utilization review. All claims are reported/paid in U.S. dollars. The monthly aggregate corridor cannot be finalized more than 90 days prior to the effective date. Claims data must include a minimum of 9 months in the most recent experience period. Any costs charged by the claim administrator for reports required to substantiate claims will be paid by the employer. The proposal is based on the data submitted. Any changes to this data may allow us to modify the proposal. There is no coverage for retirees. We reserve the right to (i) recalculate Monthly Aggregate Factor(s) \[if applicable\] and Individual Excess Risk Monthly Premium Rates as shown on the Excess Risk Schedule and continue this Policy, or (ii) terminate this Policy in accordance with the Policy Termination provision of this Policy if an increase or decrease in the number of Covered Persons and Covered Dependents that exceeds 15% of the current number covered under the Employee Benefit Plan. Premium rates were adjusted via filed and approved underwriting discretion in consideration of the carrier reporting fees assessed by the PBM or TPA, which are directly associated with the claims information we require to administer our Policy. The individual stop loss renewal is based upon the current leveraged trend factors, market conditions, plan designs and current demographic factors. The aggregate renewal is based upon the experience of the group and current trend. Any plan changes may affect this renewal and need to be disclosed prior to the renewal acceptance. Authorized SignatureDate City of Paducah 01/01/2026 Excess Risk Insurance is underwritten by ReliaStar Life Insurance Company. Policy form RL-SL-POL-2025 (may vary by state). Page 6 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Exclusions and limitations are described in the policy. Page 7 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Economic Factors: Manage the Effects of Leveraged Trend (Illustrative) Medical trend is the anticipated annual increase in the cost of medical claims from year to year. Medical costs generally increase every year through inflation, and there are many additional factors that determine the actual medical trend for a specific health plan. Components of medical trend include: Plan DesignTechnologyNetwork Utilization PatternsDemographicsCost Shifting Medical trend gets leveraged when parties responsible for medical claims do not maintain the same proportional share of the risk from year to year. Put simply, rising medical costs affect stop loss carriers differently than employers. But rather than passing our increasing risk back on to you in the form of large rate increases, we can compensate with small increases in deductibles. Here's an example. In Year 1, the plan elects a $150,000 individual stop loss deductible. If there is an individual claim of $225,000, the first $150,000 is the employer’s responsibility and the remaining $75,000 is reimbursed by the stop loss carrier. In Year 2, assuming an 8% increase in medical costs, a claim that would have been $225,000 in Year 1 now costs $243,000. If the deductible doesn't change, the first $150,000 is the employer’s responsibility and the remaining $93,000 reimbursed by the stop loss carrier. So that 8% trend produces a 24% cost increase to the stop loss carrier’s claim and 0% increase to the employer. If the stop loss deductible is left at the same dollar level year after year, the employer’s risk actually decreases as a percentage of the overall claim. Conversely, the insurer’s risk is increasing -- and, in response, the insurer has to increase rates well beyond medical trend. In order to eliminate the leveraging effect, the employer should increase its individual deductible by trend each year. This essentially retains the exact same proportion of the risk. In an effort to mitigate the effects of leveraged trend, your underwriter has included an optional quote during this year’s renewal. Excess Risk Insurance is issued by ReliaStar Life Insurance Company, a member of the Voya® family of companies. Page 8 Issued by ReliaStar Life Insurance Company A member of the Voya® family of companies Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Amend Section 20-23 of the Code of Ordinances related to Body Piercing - L. PARISH Category: Ordinance Staff Work By: Claudia Meeks, Daron Jordan Presentation By: Claudia Meeks Background Information: The Commonwealth of Kentucky regulates body piercing, allowing any person who has completed bloodborne pathogen training and is registered with the local health department to perform any and all body piercings. The current Ordinance relating to body piercing below the waist prohibits this piercing unless it is performed by a physician licensed to practice medicine in Kentucky. Because the current City's Ordinance is in conflict with Kentucky Statute, this Ordinance necessary to amend that portion of Chapter 20, Section 66-93(b) to delete the language relating to body piercing below the waist. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: Adopt an Ordinance amending Chapter 20, Section 20-23(b) deleting language "body piercing below the waist shall be prohibited unless performed by a physician licensed to practice medicine in the State." Attachments: 1.ORD 20 – Amend to delete language - body piercing below the waist ORDINANCE NO. ___________________________ AN ORDINANCE AMENDING CHAPTER 20, SECTION 20-23(b) OF THE CODE OF ORDINANCES OF THE CITY OF PADUCAH, KENTUCKY, SO AS TO DELETE THAT PORTION WHICH STATES THAT “BODY PIERCING BELOW THE WAIST SHALL BE PROHIBITED UNLESS PERFORMED BY A PHYSICIAN LICENSED TO PRACTICE MEDICINE IN THE STATE.” WHEREAS, the Commonwealth of Kentucky regulates body piercing, allowing any person who has completed bloodborne pathogen training and is registered with the local health department to perform any and all body piercings; and WHEREAS, the City’s current ordinance relating to body piercing below the waist prohibits such unless performed by a physician licensed to practice medicine in the Commonwealth of Kentucky; and WHEREAS, because the City’s Ordinance is in conflict with the Commonwealth’s statute, this Ordinance is being enacted to amend that portion of the City’s Code, Section 66- 93(b), so as to delete the language relating to body piercing below the waist. NOW THEREFORE, be it ordained by the City Commission of the City of Paducah as follows: SECTION 1. That portion of Section 20-23(b) is hereby amended to state as follows: Sec. 20-23. Operation Procedures for establishments and artists. (b) Branding shall be prohibited unless performed by a physician licensed to practice medicine in the Commonwealth. Body piercing below the waist shall be prohibited unless performed by a physician licensed to practice medicine in the state. SECTION 2. SEVERABILITY. That if any section, paragraph or provision of this Ordinance shall be found to be inoperative, ineffective or invalid for any cause, the deficiency or invalidity of such section, paragraph or provision shall not affect any other section, paragraph or provision hereof, it being the purpose and intent of this Ordinance to make each and every section, paragraph, and provision, hereof separable from all other sections, paragraphs and provisions. SECTION 3. COMPLIANCE WITH OPEN MEETINGS LAWS. The City Commission hereby finds and determines that all formal actions relative to the adoption of this Ordinance were taken in an open meeting of this City Commission, and that all deliberations of this City Commission and of its committees, if any, which resulted in formal action, were in meetings open to the public, in full compliance with applicable legal requirements. SECTION 4. CONFLICTS. All ordinances, resolutions, orders or parts thereof in conflict with the provisions of this Ordinance are, to the extent of such conflict, hereby repealed and the provisions of this Ordinance shall prevail and be given effect. SECTION 5. EFFECTIVE DATE. This Ordinance shall be read on two separate days and will become effective upon summary publication pursuant to KRS Chapter 424. ______________________________ Mayor George Bray ATTEST: _________________________ Lindsay Parish, City Clerk Introduced by the Board of Commissioners, _____________________ Adopted by the Board of Commissioners, _______________________ Recorded by Lindsay Parish, City Clerk, ________________________ Published by The Paducah Sun, ________________________ Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Revisions to the City of Paducah Remote Worker Incentive Program - N. UPCHURCH Category: Ordinance Staff Work By: Nancy Upchurch Presentation By: Nancy Upchurch Background Information: Ordinance # 2021-08-8700 created the City of Paducah Remote Worker Program. Since the beginning of the program, 26 people have relocated to Paducah. Currently, the program has no provision for a self-employed person. They make up 18% of the applications. This revision includes provisions to make the program available to self-employed persons who can provide documentation of their self-employment status. Additionally, the current incentives are confusing to the applicants. The changes proposed would not substantially change the amount of incentives the applicant receives. The incentive would change from a reimbursement of moving expenses and waiver of the first year of payroll taxes to a cash incentive of $5000 payable in two installments of $2500 each. The first payment will be made upon establishing residency in Paducah, the second paid at the one-year anniversary of their relocation. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Commission Priorities List Communications Plan: Account Name: Remote Worker Incentive Program Funds Available: Account Number: ED-0118 Staff Recommendation: Approval of the revisions Attachments: 1.Ord - amend Remote Worker Incentive Program 2025 (2) ORDINANCE NO. 2025-____- __________ AN ORDINANCE REVISING THE EXISTING REMOTE WORKERS INCENTIVE PROGRAM WHEREAS, the City of Paducah wishes to attract new individuals, families, and talent to the City; WHEREAS, the City recognizes that technology is making work more easily accessible from home or other remote locations and that workers are increasingly attracted to jobs and industries which allow them to work remotely; WHEREAS, the City recognizes that remote workers are often attracted to communities and programs which offer financial incentives, WHEREAS, the City wishes to establish a Remote Workers Incentive Program to attract new, talented workers to live, work, shop, and attend school in the City of Paducah, thereby helping to better the community and boost the local economy. NOW THEREFORE BE IT ORDAINED BY THE CITY OF PADUCAH, KENTUCKY: SECTION 1. That the City of Paducah, Kentucky hereby establishes the City Remote Workers Incentive Program with the following conditions and/or requirements: (a) Eligibility. In order to be eligible to participate in the City Remote Workers Incentive Program, an applicant/employee must: (1) Be 21 years old or older; (2) Be a U.S. Citizen, lawful permanent resident, or have other credentials necessary to work in the United States; (3) Live at least 100 miles outside the limits of the City of Paducah at the time of application for the City Remote Workers Incentive Program; (4) Work full-time for a company in which all offices are located at least 100 miles outside the limits of the City of Paducah; or (5) Self-employed person who can show evidence of self-employment by providing at least one of the following: a. Copies of Tax Records b. Profit and Loss Statement c. Business License/Permits from current jurisdiction d. Other evidence you may provide (5) (6) Be able to perform a majority of their employment duties remotely from a home office or co-working space located inside the City of Paducah limits evidenced by written documentation from their employer; (6) (7) Acquire primary residency in the City of Paducah within three (3) months of acceptance into the Remote Workers Incentive Program, as evidenced by a lease with a physical address or a deed of conveyance of real estate which includes a home; (7) (8) Agree in writing that s/he will retain primary residence in the City of Paducah for at least one (1) year beyond the initial twelve-month program; (8) (9) Not be a participant in any other publicly-funded program/initiative. (b) Incentives. Individuals accepted into the City Remote Workers Incentive Program may be eligible to receive the following: (1) Up to $2,500.00 reimbursement for expenses associated with relocating to the City of Paducah. Expenses shall include: renter’s deposit, down payment on a home, rental of moving trucks or trailers, the hiring of professional movers, and/or the purchase of packing materials. (2) Up to $70.00 per month reimbursement for fees associated with provision of internet services provided to a residence located within the City of Paducah. Such reimbursement shall be limited to twelve (12) months (3) Waiver of City of Paducah Payroll taxes for twelve (12) months. (1) $5000 cash incentive payable as follows: (i) $2500 upon establishing residency in the City of Paducah (ii) $2500 one year after the first installment is paid (b) Equal Opportunity. All individuals who meet the eligibility criteria set forth in this Ordinance shall have an equal opportunity to participate in the City Remote Workers Incentive Program without regard to race, color, age, religion, sex, disability, sexual orientation, or national origin. SECTION 2. The Remote Workers Incentive Program shall be funded by Project Number ED0118 Remote Workers Incentive Program. SECTION 3. Severability. The provisions of this Ordinance are hereby declared to be severable, and if any section, phrase or provision shall for any reason be declared invalid, such declaration of invalidity shall not affect the validity of the remainder of this Ordinance. SECTION 4. Effective Date. This Ordinance shall be read on two separate days and will become effective upon summary publication pursuant to KRS Chapter 424. ___________________________________ GEORGE P. BRAY, MAYOR ATTEST: ________________________________ Lindsay Parish, City Clerk Introduced by t he Board of Commissioners October 2, 2025 Adopted by the Board of Commissioners ____________________________ Recorded by Lindsay Parish, City Clerk, ____________________________ Published by The Paducah Sun, _____________________________________ Ord\\amend Remote Workers Incentive Program 2025 Agenda Action Form Paducah City Commission Meeting Date: October 21, 2025 Short Title: Budget Amendment for CDBG Grant for Entitlement Community Funds - A. KYLE Category: Ordinance Staff Work By: Hope Reasons, Audra Herndon Presentation By: Audra Herndon Background Information: On September 16, 2024, the City of Paducah was notified by the U.S. Department of Housing and Urban Development (HUD) that it had been designated as an “entitlement community.” This means Paducah qualifies for Community Development Block Grant (CDBG) funding directly from HUD (rather than competing with other cities or going through the state). As a result, the city was allocated $583,406 for the federal fiscal year 2025–2026. To actually use the funds, entitlement communities must prepare a 5-year Consolidated Plan. This plan identifies local needs (housing, infrastructure, community services, etc.) and lays out how the city intends to spend the grant money in line with federal rules. On August 12, 2025, the City Commission approved Municipal Order 3105, which authorized submitting Paducah’s 5-year Consolidated Plan to HUD. As part of the Grant Agreement the City must provide evidence of a budget ordinance/amendment indicating inclusion of CDBG funds into the City's budget. This ordinance will satisfy the Grant Agreement requirement for the budget amendment. Does this Agenda Action Item align with a Commission Priority? No If yes, please list the Commission Priority: Communications Plan: Account Name: Funds Available: Account Number: Staff Recommendation: Approval. Attachments: 1.ORD budget amend FY26 CDBG Entitlement Community ORDINANCE NO. 2025-_____-________ AN ORDINANCE AMENDING ORDINANCE NO. 2025-06-8847, ENTITLED, “AN ORDINANCE ADOPTING THE CITY OF PADUCAH, KENTUCKY, ANNUAL OPERATING BUDGET FOR THE FISCAL YEAR JULY 1, 2025, THROUGH JUNE 30, 2026, BY ESTIMATING REVENUES AND RESOURCES AND APPROPRIATING FUNDS FOR THE OPERATION OF CITY GOVERNMENT” WHEREAS, on September 16, 2024, the City of Paducah received notification from the US Department of Housing and Urban Development that Paducah had been selected as an entitlement community for the purpose of Community Development Block Grant funding; and WHEREAS, The City of Paducah accepted designation and was allocated $583,406 in funding for the 2025-2026 federal fiscal year; and WHEREAS, as part of the Grant Agreement the City must provide evidence of a budget ordinance/amendment indicating inclusion of CDBG funds into the City's budget. NOW, THEREFORE, BE IT ORDAINED BY THE CITY OF PADUCAH, KENTUCKY: SECTION 1. That the annual budget for the fiscal year beginning July 1, 2025, and ending June 30, 2026, as adopted by Ordinance No. 2025-06-8847, be amended by the following re-appropriations: Increase revenues and expenditures for the CDBG Fund by $583,406.00. SECTION 2. This ordinance shall be read on two separate days and will become effective upon summary publication pursuant to KRS Chapter 424. ______________________________ George Bray, Mayor ATTEST: ___________________________ Lindsay Parish, City Clerk Introduced by the Board of Commissioners,_________________________ Adopted by the Board of Commissioners, __________________________ Recorded Lindsay Parish, City Clerk, _____________________________ Published by The Paducah Sun, __________________________________ \\ord\\finance\\budget amend FY26 CDBG Entitlement Community