HomeMy WebLinkAbout84-012 DavisII. Factual Basis for Determination:
STATE ETHICS COMMISSION
308 FINANCE BUILDING
HARRISBURG, PENNSYLVANIA 17120
OPINION OF THE COMMISSION
June 19, 1984
Mr. Roy E. Davis 84 -012
Borough Manager /Secretary
Borough of Hollidaysburg
401 Blair Street
Hollidaysburg, PA 16648
RE: Borough of Hollidaysburg; Councilmen Covered by Insurance Programs
Dear Mr. Davis:
I. Issue:
You ask the following questions:
1. Is it or is it not legal for elected officials of the Borough of
Hollidaysburg to be included in the fringe benefit coverages of
hospitalization, life insurance, eye glass and prescription coverage
and retirement.
2. If it is legal for the elected officials of the Borough of
Hollidaysburg to be included in the fringe benefits, is it legal for
the Borough to pay the cost of said coverage.
3. Is it legal for the Borough to pay the costs for those fringe
benefits if it exceeds the amount of compensation, as set forth in
the Borough Code and as further defined under Ordinance No. 567
entitled "AN ORDINANCE PROVIDING AND FIXING COMPENSATION FOR
COUNCILMEN OF THE BOROUGH OF HOLLIDAYSBURG ".
4. Is it legal for the Council to provide the above named fringe
benefits to other elected officials besides themselves, such as the
Mayor or any other elected officials the Council might decide from
time to time to cover.
You indicate that at their meeting of March 12, 1984, the Mayor and
Borough Council of Hollidaysburg Borough, directed you to request an Opinion
from the State Ethics Commission. You have provided us with details regarding
the above questions which indicate that you became Manager of the Borough of
Hollidaysburg, hereinafter, the Borough, in October, 1973. As of that time,
the Borough provided hospitalization and life insurance to the employees of
the Borough through a Prudential Group Plan. The members of the Borough
Council also participated in the programs. This coverage had begun in 1968.
The insurance provided to employees of the Borough was expanded to include eye
glass and prepaid prescription coverage in February, 1976.
Mr. Roy E. Davi s
June 19, 1984
Page 2
Then, in January, 1977, elected officials were included in the eye glass
and prescription programs. Currently, the elected members of the Borough
Council and the Mayor of the Borough are covered by the life, hospitalization,
eye glass and prescription coverage paid for by the Borough as follows:
Name
Prescription & Life
Hospitalization Eye Glass Ins. Monthly Total
Michael M. Strueber
and wife $156.78 $20.80 $3.00 $180.58
David J. Montrella
wife, family 165.87 20.80 3.00 189.67
Glenn L. Harris
and wife 83.92 20.80 3.00 107.72
Fred W. Schmidhammer
wife, family 165.87 20.80 3.00 189.67
Paul R. Erb 156.78 20.80 3.00 180.58
and wife
James L. Shoemaker 55.56 20.80 3.00 79.36
Barbara A. Hoenstine 55.56 20.80 3.00 79.36
Charles G. Harclerode
and wife (Mayor) 83.92 20.80 3.00 107.72
On February 13, 1978, the Borough Council adopted and the Mayor approved
Ordinance No. 567, which fixed the compensation for persons serving as Council
members of the Borough. This Ordinance stated "compensation for each of the
Councilmen of Borough of Hollidaysburg for the year 1978, and each year
thereafter, until amended by Ordinance, is hereby fixed at one - hundred and
no /100 ($100.00) dollars per month, payable monthly ". We will assume this
Ordinance remains in effect, unamended and that the Council members currently
serving as listed above receive the sum of $100 as allowed and fixed by this
Ordinance.
In addition, you provided further information as of May 25, 1984. You
state that, to your knowledge, only Councilman Glenn Harris was on Council in
1968 and 1977 when Council's decisions were made with respect to these plans
and the expansion thereof. Councilmen Shoemaker and Schmidhammer were on
Council in 1977 when the plans were expanded in 1977. Each member of Council
Mr. Roy E. Davis
June 19, 1984
Page 3
and the Mayor, since 1968 and 1977 have been added to these policies, as a
matter of routine and request, and no further official action other than the
payment of bills and premiums associated with these policies has been
undertaken or is needed. No other Borough officials, such as the Tax
Collector are covered by these policies for life, hospitalization, eye glasses
and prescriptions. However, you added, in response to our inquiry, that the
Borough has no Ordinance, resolution or written policy (other than the Union
contract not applicable here) which defines the terms "full" or "part- time"
employee or establishes eligibility for the inclusion of persons within the
coverage of the four types of policies available to the Mayor and Council
members and paid for by the Borough. No other less- than -full time officials
or employees of the Borough receive all of these coverages. There are twelve
part -time school crossing guards paid by the Borough in addition to several
part -time police and dispatchers. The only less- than -full time employees who
receive some type of Borough -paid insurance benefits are the janitor(s) and a
fire marshall. These two persons, in lieu of a raise, were added to the
Borough's hospitalization /medical plan, but do not enjoy coverage for life,
eye glass and prescription coverage.
You have also provided us with copies of rulings from the Borough
solicitor dated February 21, 1984, and March 13, 1984, which analyze the
questions you have presented to us for review. These opinions, which are
incorporated herein by reference, recommend that no Council member should
receive in excess of $125 per month from the Borough, whether this sum
includes the value of insurance premiums paid for the councilmember's benefit
when combined with the monthly sum to be paid or otherwise. The Solicitor's
response to the question was somewhat different with respect to the Mayor's
participation in these insurance programs and the Borough's payment of
premiums for such coverage. However, this difference will be addressed more
fully below.
You also provided a letter dated January 10, 1984, from Michael A.
Donadee, Chief Counsel, Department of Community Affairs in which he addressed
the legality and propriety of the Borough's purchasing of these policies for
Council members. Mr. Donadee concluded that he would be "hesitant to advise
the Borough to purchase insurance for its elected officials free of any legal
repercussions because it (the purchase) is not clearly authorized by law."
III. Applicable Law:
The law to be applied to this question is as follows:
Mr. Roy E. Davis
June 19, 1984
Page 4
Ethics Act
Section 3. Restricted Activities.
(a) No public official or public employee shall use his
public office or any confidential information received
through his holding public office to obtain financial gain
other than compensation provided by law for himself, a
member of his immediate family, or a business with which
he is associated. 65 P.S. 403(a).
Section 1. Purpose.
The Legislature hereby declares that public office is a
public trust and that any effort to realize personal
financial gain through public office other than
compensation provided by law is a violation of that trust.
In order to strengthen the faith and confidence of the
people of the State in their government, the Legislature
further declares that the people have a right to be
assured that the financial interests of holders of or
candidates for public office present neither a conflict
nor the appearance of a conflict with the public trust.
Because public confidence in government can best be
sustained by assuring the people of the impartiality -and
honesty of public officials, this act shall be liberally
construed to promote complete disclosure. 65 P.S. 401.
Insurance Code
§ 535. Group insurance authorized; state and municipal
officers, employes and dependents; deductions from wages
The Commonwealth of Pennsylvania, or any department or
division thereof, and any county, city, borough,
incorporated town, township, school district, vocational
school district or institution district may and are hereby
specifically authorized to make contracts of insurance
with any insurance company or nonprofit hospitalization
corporation or nonprofit medical service corporation
authorized to transact business within the Commonwealth
insuring its elected or appointed officers and employes or
any class or classes thereof, or their dependents, under a
policy or policies of group insurance covering life,
health, hospitalization, medical service or accident
insurance, and may contract with any such company granting
annuities or pensions for the pensioning of such employes;
Mr. Roy E. Davis
June 19, 1984
Page 5
and, for such purposes, may agree to pay part or all of
the premiums or charges for carrying such contracts, and
may appropriate out of its treasury any money necessary to
pay such premiums or charges or portions thereof.
The proper officer, agency, or board or commission of any
of the above political divisions or subdivisions, having
authority to enter into such contracts of insurance, are
hereby authorized, enabled and permitted to deduct from
the officer's or employe's pay, salary or compensation,
such part of the premium as is payable by the officer or
employee and as may be so authorized by the officer or
employe in writing. 40 P.S. 535.
§ 756.2. Group accident and sickness insurance.
(a) Group accident and sickness insurance is hereby
declared to be that form of accident and sickness
insurance covering groups of persons defined in this
section with or without one or more members of their
families or one or more of their dependents, or covering
one or more members of the families or one or more
dependents of such groups or persons and issued upon the
following basis:
(1) Under a policy issued to an employer or trustees of a
fund established by an employer, who shall be deemed the
policyholder insurancing at least ten employes of such
employer for the benefit of persons other than the
employer. The term "employes ", as used herein, shall be
deemed to include the officers, managers and employes of
the employer, the individual proprietor or partnership,
the officers, managers and employes of subsidiary or
affiliated corporations, the individual proprietors,
partners and employes of individuals and firms, if the
business of the employer and such individual or firm is
under common control through stock ownership, contract or
otherwise. The term "employes ", as used herein, may
include retired employes. A policy issued to insure
employes of a public body may provide that the term
"employes" shall include elected officials. 40 P.S.
756.2.
Mr. Roy E. Davis
June 19, 1984
Page 6
Group Life Insurance.
§ 532.2. Policies issued to employers or trustees of
employer funds.
A policy issued to an employer, or to the trustees of a
fund established by an employer, to insure employes of the
employer for the benefit of persons other than the
employer shall be subject to the following requirements.
(1) The employes eligible for insurance under the policy
shall be all of the employes of the employer, or all of
any class or classes thereof determined by conditions
pertaining to their employment. The policy may provide
that the term "employes" shall include the employes of one
or more subsidiary corporations, and the employes,
individual proprietors, and partners of one or more
affiliated corporations, proprietors or partnerships if
the business of the employer and of such affiliated
control through stock ownership or contract. The policy
may provide that the term "employes" shall include the
individual proprietor or partners if the employer is an
individual proprietor or a partnership. The policy may
provide that the term "employes" shall include elected or
appointed official. 40 P.S. 532.2.
Borough Code, in pertinent part.
§ 46001 Organization of Council; quorum,
compensation; eligibility.
Councilmenmay receive compensation to be fixed by
ordinance at any time and from time to time as follows:
In boroughs whose population is less than fifteen hundred,
a maximum of thirty -five dollars ($35) a month; in
boroughs whose population is fifteen hundred or more but
less than three thousand, a maximum of fifty dollars ($50)
a month; in boroughs whose population is three thousand or
more but less than five thousand, a maximum of
seventy -five dollars ($75) a month; in boroughs whose
population is five thousand or more but less than ten
thousand, a maximum of one hundred twenty -five dollars
($125) a month; in boroughs whose population is ten
thousand or more but less than fifteen thousand, maximum
of two hundred fifty dollars ($250) a month.
Mr. Roy E. Davis
June 19, 1984
Page 7
The population shall be determined by the latest available
official census figures. In no case shall the
compensation for any councilman exceed that of the mayor
in any given borough: Provided, however, that wherever
the mayor's compensation exceeds that authorized by this
section for councilmen, the president of council may
receive compensation not to exceed that of the office of
the mayor. 53 P.S. 46001.
46025. Salary of mayor limited.
The salary of the mayor shall not exceed, per annum, four
hundred fifty dollars ($450) for the first one thousand
population or fraction thereof, the population to be
determined by the latest official census figures. In any
borough with population in excess of one thousand the
salary of the mayor shall not exceed three hundred
dollars ($300) per annum per thousand population or
fraction thereof, the population to be determined by the
latest official census figures. 53 P.S. 46025.
§ 46202. Specific powers.
(37) Other insurance. To appropriate such amount as may
be necessary to secure insurance or compensation for
volunteer firemen of companies duly recognized by the
borough, by motion or resolution, killed or injured while
going to, returning from, or attending fires, or while
performing their duties as special fire police. To make
contracts of insurance with any company, association or
exchange, authorized to transact business in the
Commonwealth, insuring borough employes, or any class, or
classes thereof, or their dependents, under a policy or
policies of insurance covering life, health,
hospitalization, medical and surgical service and/or
accident insurance, and to contract with any such company,
granting annuities or pensions, for the pensioning of
borough employes, or any class, or classes thereof, and to
agree to pay part or all of the premiums or charges for
carrying such contracts, and to appropriate money from the
borough treasury for such purposes. To make contracts
with any insurance company, association or exchange,
authorized to transact business in the Commonwealth,
insuring any public liability of the borough, and to
appropriate moneys from the borough treasury for such
purpose. 53 P.S. 46202.
Mr. Roy E. Davis
June 19, 1984
Page 8
§ 48501. Acts of Assembly repealed; saving clause.
All other acts or parts of acts of Assembly supplied by,
inconsistent with, or appertaining to, the subject
matter covered by this act are hereby repealed. It is the
intention that this act shall furnish a complete and
exclusive system for the government and regulation of
boroughs, except as to the several matters anumerated in
section 102 of article 1 of this act. 53 P.S. 48501.
§ 46404. Penalty for personal interest in contracts or
purchases.
Except as otherwise provided in this act, no borough
official either elected or appointed, Who knows or who by
the exercise of reasonble diligence could know, shall be
interested to any appreciable degree either directly or
indirectly in any purchase made or contract entered into
or expenditure of money made by the borough or relating to
the business of the borough, involving the expenditure by
the borough of more than one thousand dollars ($1000) in
any calendar year, but this limitation shall not apply to
cases where such officer or appointee of the borough is an
employe of the person, firm or corporation to which the
money is to be paid in a capacity with no possible
influence on the transaction, and which he cannot be
possibly benefitted thereby either financially or
otherwise. But in the case of a councilman or mayor, if
he knows that his is within the exception just mentioned
he shall so inform council and shall refrain from voting
on the expenditure or any ordinance relating thereto, and
shall in no manner participate therein. Any official or
appointee who knowingly violates the provisions of this
section shall be subject to surcharge to the extent of the
damage shown to be thereby sustained by the borough and to
ouster from office, and shall be guilty of a misdemeanor,
and upon conviction thereof shall be sentenced to pay a
fine not exceeding one thousand dollars ($1000), or not
exceeding one hundred eighty days imprisonment, or both.
53 P.S. 46404.
Mr. Roy E. Davis
June 19, 1984
Page 9
IV. Discussion:
There is no doubt that as elected officials the members of Council and
the Mayor are "public officials" as that term is defined in the Ethics Act.
65 P.S. 402. As such, their conduct must conform to the requirements of the
Ethics Act. Section 3(a) of the Ethics Act prohibits a public official from
using his public office to acquire "financial gain other than compensation
provided by law." In reviewing this question and interpreting the Ethics Act
we must be guided by the concept that the object of all interpretations and
construction of statutes is to ascertain and effectuate the intention of the
General Assembly. 1 Pa. C.S.A. 1921(a). We must construe words and phrases
according to their common and approved usage unless we are dealing with
technical words and phrases and such others as have acquired a particular
meaning. See 1 Pa. C.S.A. 1903(a). The words and phrases to be construed and
reviewed here have to be reviewed in the light of their common and approved
usage. We can, thus, ask whether:
1. the inclusion of these officials on this Borough -paid benefit program
constitutes "financial gain" to them; and
2. this inclusion constitutes a use of public office of these persons
to obtain "financial gain" of something that is other than "compensation"
and which is not "provided by law ".
It is clear, as we stated in Krane, 84 -001 that the receipt of the
benefit of these insurance coverages paid for by the Borough is a "financial
gain" to the persons covered. As in Krane, we must proceed to analyze the
remaining question of whether or not these persons can use their position as
Councilmen /Mayor to secure or obtain this gain., If these benefits and
coverages are "compensation" and "provided by law ", the Ethics Act would not
preclude such officials from using their office to obtain same. If these
benefits and coverages paid for by the Borough are not compensation and are
not provided by law, then these persons could not use their public office to
obtain same. Thus, in order to avoid the restrictions set forth in Section
3(a), an official must be able to "fit" his conduct into the exception of the
Section 3(a) in that he is using his office to obtain something that is not
financial gain (a point discussed above), something that is not compensation
and something that is allowed by law.
Your solicitor has provided us with a well - developed analysis to answer
the question of whether these insurance coverages should be considered
"compensation ". This analysis confirms the conclusion inherent in our ruling
in Krane, supra that the term "compensation" can and should read to include
the benefit of the payment of premiums for the coverages at issue here. As
your solicitor noted, compensation is defined generally as encompassing more
than "mere wages ". See McCutcheon v. State Ethics Commission, 466 A.2d 283,
at 286 (1982); definition of "compensation" in Balentine's Law Dictionary,
Mr. Roy E. Davi s
June 19, 1984
Page 10
cited by your solicitor; 63 Am. Jur. 2d 844 relating to compensation for
public officials; definition of "perquisites" for a public official in 63 Am.
Jur. 2d 860; Township of Ross v. McDonald, Pa. Cmwith. , 431 A.2d 385
(1981) which defines "emolument" at page 387 thereof and Opinion of the
Attorney General, No. 43 (1974) holding that a prescription medicine program
constituted an "emolument ".
Indeed, even if these Borough -paid benefits could not be fitted neatly
into some narrow and technical definition of "compensation" such as within the
Internal Revenue Code, for example, we would not be precluded from deciding
whether this "financial gain" can be acquired by the use of one's public
office. We would not be effecting the intent of the Legislature by narrowing
our vision and concluding that if an item does not constitute compensation it
can be obtained with impunity by an official. Surely, for example, an
official could not use his office to secure for himself a beneficial zoning
change with impunity under Section 3(a) simply because a zoning change cannot
be classified as "compensation ". In order to allow the activity or acquistion
of these benefits we must be able to say these are compensation and allowed by
law. Having concluded that these coverages can reasonably and properly be
considered within the scope of "compensation" we move to an analysis of
whether -these benefits are "provided by law ".
In this analysis, we again refer to the ruling of your own solicitor. In
that ruling various provisions of the Borough Code and the Insurance Codes,
outlined in Part III above were reviewed. The most compelling of these
provisions is that which established the Borough Code as the exclusive system
for the governance of a borough and repeals all acts or parts of acts which
are "inconsistent with or appertaining to, the subject matter covered by" this
Code. See 53 P.S. 48501. This concept is consistent with the premise that a
municipality and its officers derive their authority and compensation from the
Code under which they operate. Basically, an official as we stated in Krane
can no more enlarge the compensation than the authority set by statutes for
his office. See Krane, p.5 and cases cited therein; Coltar v. Warminster
Township, 8 Pa. Cmwlth. 163, 302 A.d 859, 862 (1973); Accord, Commonwealth v.
Hanzlick, 400 Pa. 134 161 A.2d 340 (1960) to the effect that a Township has
only those powers expressly granted by the Legislature.
The Borough Code did not "save" the subject of insurance or the Insurance
Code as applied to boroughs from repeal by inclusion of a reference to same in
Section 102 of the Borough Code, 53 P.S. 45102. Thus, we agree with your
Solicitor's conclusion that the Insurance Code, having not been saved from
repeal by the Borough Code, cannot be effective as to boroughs. This is
especially true with respect to that provision of the Insurance Code (40 P.S.
535) which purported to grant boroughs, among other municipal entities, the
power to purchase and pay for insurance coverage(s) for elected and appointed
Mr. Roy E. Davis
June 19, 1984
Page 11 -C
officers. It cannot be successfully argued that subsequent amendments to 40
P.S. 535 in 1970 revived this provision with respect to boroughs. See 1 Pa.
C.S.A. 1957. The provisions of 40 P.S. 535 were repealed and therefore
ineffective as to boroughs, not subsequently revived and cannot be viewed as
authorizing Borough -paid insurance coverages for elected and appointed
officials in any event.
Thus, some other source in law must be found if it is to be said that
such benefits are provided by law to be paid for by the Borough. Again, we
refer to the Borough Code as the exclusive source of the authority of the
Borough officials. The Borough Code contains two sections pertinent to this
review. The first, 53 P.S. 46001 specifies that Councilmen shall receive
compensation fixed by ordinance, but not more than certain maximums set in
reference to the Borough's population. The second is 53 P.S. 46202, which
grants the Borough the specific power to make and pay for contracts of
insurance. We must, if possible, construe all of these provisions to be
effective. 1 Pa. C.S.A. 1921(a). We must give effect to the obvious intent
of the Legislature in setting maximums for the compensation allowable to
Councilmen to limit such compensation. We cannot construe the grant of
authority to the Borough to purchase insurance as authorization to purchase
policies or plans at Borough expense for these Councilmen thereby negating the
legislatively designated maximum on the compensation to be paid to such
officials.
Likewise, we cannot logically construe subsequent amendments to the
Insurance Code with respect to group life and accident and sickness insurance
as authorization for the purchase and Borough payment of such policies for
these councilmen. See 40 P.S. 756.2 adopted in 1955 and 40 P.S. 532.2 amended
in 1959. To assume that these 1955 and 1959 amendments to the Insurance Code
permitted elected officials, who do not serve the Borough in any capacity
other than as officials to be included at Borough expense within group
accident and life insurance policies would be to assume the legislature,
through amendments to the Insurance Code, repealed the limitations on
compensation for Councilmen and the procedures tor approving additional
compensation established in the Borough Code. Repealers by implication
cannot be presumed. 1 Pa. C.S.A. 1971. Indeed, the Borough Code unlike the
Second Class Township Code, does not authorize officials to serve the Borough
in any capacity other than as officials.
In the final analysis we agree once again with your solicitor that the
Insurance Code and Borough Code can be given effect only by recognizing the
limitations and authority to be attributed to both statutes. Specifically,
while the Insurance Code may be given effect, at least with respect to life
and sickness and accident policies,1 by construing it to authorize these
elected officials to participate in these programs, it cannot be construed to
Mr. Roy E. Davis
June 19, 1984
Page 12
supercede the limitation on compensation provided in the Borough Code. The
compensation for councilmen as limited by the Borough Code and duly fixed by
Ordinance cannot be exceeded. Absent a clear provision of law authorizing
these coverages to be paid for by the Borough in excess of these compensation
limits for these council members, we must conclude that such payments are
compensation and are not authorized by law.
You also ask whether these coverages can be provided for the the Mayor
who may also be in a position to use his office to secure these coverages paid
for at Borough expense. We note initially we limit our reponse to the
question as applicable to the Mayor for two reasons: first, it is difficult
to perceive how an official other than the members of Council or the Mayor
would have the power and authority to order, vote for or otherwise secure the
Borough's payment of the premiums for these insurance coverages and thus the
potential for violation of Section 3(a) is not apparent with respect to other
officials; and second, there is no indication that you have been authorized to
seek and secure an opinion from this Commission on behalf of officials other
than the Council members and the Mayor.
With respect to the Mayor, the opinion of your solicitor also questioned
his inclusion and the Borough's payment of premiums for these insurance plans.
The solicitor drew some distinction as to the concept of the "salary" of the
Mayor not being limited as is the "compensation" of the Council members.
Compare 53 P.S. 46001 and 53 P.S. 46025. The solicitor proposes that the lack
of a limitation on the compensation of the Mayor indicates that this insurance
benefit is allowable as to the Mayor. However, we note that as with the
Council members we are primarily concerned with the authority of the Borough
to purchase and pay for these benefits for the Mayor. We find no more support
for providing Borough paid -for benefits to the Mayor than for the Council
members. We decline to enter the semantic jungle or to split hairs as to the
potential differences intended by the Legislature by designating that the
councilmembers' "compensation" is limited while a Mayor's "salary" is limited
by 53 P.S. 46025. We believe these terms were intended to be used
interchangeably and their usage should not result in a different determination
with respect to the Mayor in this matter. See usage of "compensation" and
"salary" in 53 P.S. 46030, for example.
We add that in analyzing each of these situations we are impressed by the
fact that no other less than full -time employee receive the same insurance
benefits paid for by the Borough. We are likewise, impressed with the
reasoning of your own solicitor, and concur in the conclusions he reached.
These conclusions are consistent with our ruling and reasoning in Krane, the
requirements ennunciated by the Courts regarding voting in one's own interest,
and the prohibitions in the Borough Code itself prohibiting interest in
contracts. See 53 P.S. 46404, cited in Part III, above.
Mr. Roy E. Davis
June 19, 1984
Page 13
V. Conclusion:
The mayor and members of Council cannot receive or secure for themselves,
through the use of their office, compensation -- whether considered monthly
payments, salary, or the value of insurance premiums paid for by the Borough
or any combination of these -- in excess of the compensation allowed and
limited to each by law and duly enacted ordinance. Section 3(a) of the Ethics
Act, prohibits the use of these public offices to secure this financial gain
beyond this limit because it is compensation and not provided by law.
Pursuant to Section 7(9)(i), this opinion is a complete defense in any
enforcement proceeding initiated by the Commission, and evidence of good faith
conduct in any civil or criminal proceeding, providing the requestor has
disclosed truthfully all the material facts and committed the acts complained
of in reliance of the advice given.
This letter is a public record and will be made available as such.
Finally, any person may request within 15 days of service of the opinion
that the Commission reconsider its opinion. The person requesting
reconsideration should present a detailed explanation setting forth the
reasons why the opinion requires reconsideration.
SSC /rdp
By the Commission,
HER:'s'? CONNER
Chair an
1 We note that it is our understanding that eyeglass and pre -paid
prescription coverage is written under the provisions of 40 P.S. 756.2
relating to group accident and sickness policies.