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Medical, Dental, Life Insurance Medical, dental and life insurance plans are available to eligible City employees through Public Employees Health Plans. Murray City pays approximately 85% of the total cost of insuring you and your dependents. Effective Date: For new employees, the effective date of hire is the effective date of coverage. Termination Date: For employees leaving Murray City, coverage will terminate at the end of the last day worked. During our annual open enrollment period you have the option of changing coverage and adding dependents.