LAURENT E. MCDONALD vs. TOWN MANAGER OF SOUTHBRIDGE.

DREBEN, J. The plaintiff, a retired firefighter in the town of Southbridge, brought this action seeking reinstatement in the town's group health insurance plan. After a jury-waived trial, a judge of the Superior Court dismissed the complaint, ruling that under G. L. c. 32B, Section 9, the plaintiff could not be covered by the plan because he had not been a plan participant at the time of his retirement. On conflicting evidence, the judge found that the plaintiff had not sustained his burden of showing that his request for reinstatement in the plan came before his retirement. We do not construe Section 9 as precluding enrollment after retirement and, accordingly, reverse the

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judgment and remand the matter to the Superior Court for further proceedings.

From 1956 until his involuntary retirement in 1984 on account of an on-duty accident, the plaintiff served as a firefighter for the town of Southbridge. He was covered by the town's group health insurance plan from 1956 to 1980 when, at his request, he was removed so that he could transfer to his wife's insurance plan. Upon her retirement, he could no longer be covered under her plan. Although the plaintiff did not sustain his burden of showing that he had requested reinstatement prior to retirement, the judge found that "[f]ollowing his retirement, McDonald made repeated requests to a variety of town officials, mostly orally, but some in writing, to be allowed to rejoin the town's health insurance plan and to have the town pay 50 percent of his premiums." [Note 1]

The question before us is whether, on the facts found by the judge, the statute precludes reinstatement. We turn to the relevant statutory provisions concerning group insurance for governmental workers. Chapter 32A governs group insurance for State employees. Chapter 32B, which governs group insurance for municipal employees, applies to the plaintiff. Section 4 of c. 32B, as appearing in St. 1986, c. 705, Section 1, provides that employees are automatically covered by group insurance unless the employee "give[s] written notice . . . indicating that he is not to be insured for such coverages . . . under such [group or blanket] policy or policies." An almost identical provision is found in Section 5 of c. 32A. These provisions for automatic coverage indicate a legislative intent to have a "comprehensive scheme of coverage" for governmental employees, see Teamsters, Chauffeurs, Warehousemen & Helpers Union, Local No. 59 v. Chatham, 404 Mass. 365, 368 (1989), and to gather them in large groups so as to effect economies of scale. See Municipal Light Commn. of

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Taunton v. State Employees' Group Ins. Commn., 344 Mass. 533, 539 (1962).

As part of the comprehensive scheme of coverage, both chapters 32A and 32B provide protection for retired workers. Thus, Section 9 of c. 32B, as appearing in St. 1986, c. 705, Section 3, requires that the group policy or policies provide minimum amounts of group life insurance on retirement and that "the group general or blanket insurance providing hospital, surgical, medical, dental and other health insurance, as provided under section[] four . . . shall be continued and the retired employee shall pay the full premium cost, subject to the provisions of section nine A . . . [see note 1, supra] of the average group premium" for such insurance.

Focussing on the words that the group policy "shall be continued," the judge adopted the view of the town that an employee has to be insured at the time of retirement to be covered after retirement.

Another reasonable interpretation of the statutory language, and one consistent with the purpose of providing a comprehensive scheme of group health (and other) insurance for employees, is that Section 9 merely mandates that the period covered by group policies shall continue through retirement without specifying whether a retired employee has to be covered prior to retirement. [Note 2] This appears to be the interpretation given to the parallel provision, c. 32A, Section 10, by the Group Insurance Commission (commission). That commission is "a special unpaid commission" established under Section 3 of c. 32A, as amended by St. 1986, c. 704, Section 1, and charged with adopting "such reasonable rules and regulations as may be necessary for the administration of th[e] chapter." [Note 3]

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Section 10 of c. 32A, as amended through St. 1977, c. 958, Section 6, in relevant part, provides, "the group general or blanket insurance providing hospital, surgical, medical, dental and other health insurance, as provided under section[] five . . . shall be continued, provided said retiree makes application to the commission on a form prescribed by the rules and regulations of the commission. The retired employee shall make payment . . . ." The only difference between the relevant portions of c. 32A, Section 10, and c. 32B, Section 9, is that under c. 32A the retired State employee must apply for continued coverage to the Group Insurance Commission on a particular form. Both provisions use the phrase "shall be continued," the words the judge deemed crucial.

The regulations of the commission dealing with retirement, 805 Code Mass. Regs. Section 9.52 (1993), make clear that a State retiree need not be a participant in the State group health policy at the time of retirement to take advantage of group health insurance thereafter. Paragraph (2) of Section 9.52 sets forth the conditions that must be met in cases in which "the retired employee has never been insured by the Commonwealth's Group Insurance Plans and initially applies for group insurance as a retiree." Paragraph (6) provides that "[r]etired employees who voluntarily withdraw from the Basic Life and Basic Health Insurance are not eligible for reinstatement at any future date unless they submit acceptable Medical Evidence of Insurability to the Commission no earlier than one year from the date the withdrawal took effect."

While the regulations of the commission are not binding on the town, [Note 4] the commission's regulations are mentioned here "as confirming a common sense interpretation" of the statutory language. Watertown Firefighters, Local 1347 v. Watertown, 376 Mass. 706, 712 n. 11 (1978). See also Municipal Light Commn. of Taunton v. State Employees' Group Ins. Commn., 344 Mass. at 538; Donnelly v. Contributory Retirement Appeal Bd., 15 Mass. App. Ct. 19, 22 (1982) (court may turn to analogous statutes for guidance);

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2B Sutherland, Statutory Construction Sections 51.01-51.03 (5th ed. 1992).

Based on (1) the broad policy of the statute to provide coverage, (2) the statutory language which admits of more than one reading, and (3) the interpretation given by the commission to the analogous provision, G. L. c. 32A, Section 10, we conclude that, at least until the town issues regulations to the contrary, [Note 5] Section 9 does not require participation by the employee at the time of retirement to obtain coverage thereafter.

The town also argues that c. 32B, Section 9A, at the time of its adoption in 1964, provided that a town may, rather than shall, provide for payment of one-half of the premiums of retired employees. Therefore, the town claims, it may decline to cover the plaintiff. The contention is without merit. As pointed out by the judge, the 1973 amendment to c. 32B, Section 9A, did not in any way change the language of the ballot question which was presented to the town. [Note 6] Since that question, which was approved by the voters, used the word "shall" when the town adopted Section 9A, the town cannot now argue that the voters were only approving the portion of Section 9A which read "may." Moreover, as also pointed out by the judge, the town has consistently considered itself bound to pay such premiums if the other requirements of Section 9 are complied with.

The judgment is reversed and the case remanded to the Superior Court for further proceedings consistent with this opinion. [Note 7]

So ordered.