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~~~~. Councilman Warthen presented the MVH budget. The 100 numbers for salaries were adjusted with a reduction of $5,959.00. The next cut was in line item 232-Materials, a reduction of $20,000 making this $SS,000AO, In paving line item #366, $100,000 was advertised, now reduced to $50,000.00. The line item #443, other equipment, is for matching the grant that was applied for a new leaf vac and separator for dirt and debris that is picked up during street sweeping. The MVH total budget would be $81$,846.00. This is an decrease from last year's budget of/z of 1%. A motion was made by Councilman Mathis, a second by Councilman Clark to approve the Town Court budget in the amount of $135,923. Motion carried S-0. Mrs. Welker told the council she had a question. She asked about how much the Town was spending total on health insurance. She asked that since we are self insured if there was any way of checking with other carriers to just pay premiums. Why is the Town self-insured? Councilman Warthen told her he did not have the numbers in front of him, but he could tell her the Town did receive bids far the full insured plan this year. However, the maximum liability the Town could have was less than what the fully insured plan was quoted. Mrs. Welker asked haw much money was set aside for each employee. Clerk-Treasurer Sandy Perry answered the amount was $12,424.00. Councilman Warthen added this amount included all the insurances, health, dental, and life. Mrs. Welker asked are. there premiums on top of this, any catastrophic amounts, etc. Councilman Warthen said this amount was billing maximum exposure as far as the third party administrator fees, premiums, prescriptions, etc. The Clerk-Treasurer said the cap on each employee was $20,000 a person, then the re-insurance reimburses. Mrs. Welker asked if $20,000 was set aside for each individual and Councilman Warthen answered no, the maximum exposure is figured at the $12,424 per employee and that gives the Town the maximum for total fixed costs and the aggregate for total claims. Mrs. Welker asked if the reason the quote went down this year was because the Town had less claims. Yes. Councilman Warthen said the revenues budgeted for the self funded insurance is set up in a "rainy day" fund recommended by the State Board of Accounts. The balance is carried over from year to year. Mrs. Welker asked how many employees were on the insurance. The quote was figured for 74 employees times the $12,424.00. Mrs. Welker said we budget $919,000 for health insurance? Councilman Warthen answered yes, and he wanted to say fully insured plan was, he thinks, $$4,000 per month. Mrs. Welker said, so what is set up for the self-insured is approximately $80,000 less. Councihnan Warthen said yes, and the self-insured encompasses the other insurances, dental and life. Mrs.. Welker asked if there was a major catastrophic illness for one of the employees would the Town be out a lot more money. Councilman Warthen answered he didn't think any more than on a fully insured plan because there is a specific aggregate on each individual of $20,000. The Town would pick up to $20,000, but they give us a maximum aggregate, which is total expense. This is the maximum liability the Town would be responsible to pay. If 70 people spend $20,000 each that is in the total amount and includes the hard costs (fixed costs) and stops there. Then the other re-insurance company would pick up the amount over and above. Councilman Warthen iterated again that the Town is budgeting the maximum liability. President Dolen asked if they were ready to approve same of the budgets. Councilman Bryant told him they still needed to work on the Town Hall budget. Mrs. Berwick asked the council if this money came from all tax money. She asked how they decide what money goes into each budget. She asked why extra money in Town Hall budget, but practically stripped the Fire Depamnent budget and yet is all coming from the same pot. She said she was trying to figure all this out. She said she feels the Fire Department is so important and doesn't understand how so much money can be put in the one fund and taken out of the other fund. Councilman Bryant told her that in regard to the Fire Department the additional employees were cut and a new hire station. He explained that recently Councilman Warthen had worked with Brown Township to get a duel response system on all fixes the Town has, Brown Township sends two trucks and on Fires in Brawn Township, Mooresville sends two trucks. That has only been in effect for a couple of months and has been a very big step in fire protection. Mrs. Berwick said her concern was that the Fire Department has what they need to take care of Mooresville. She said with the Town Hall Budget she was curious that so much money