Required Number of Hours Clause Samples

Required Number of Hours. ▪ as per the Collective Agreement Deductible ▪ $15 single/$25 family deductible for drug expenses ▪ nil for all other expenses Combined Maximum ▪ unlimited Coinsurance ▪ Drugs ▪ Hospital ▪ Vision ▪ Other Eligible Expenses ▪ 100% ▪ 100% ▪ 100% ▪ 80% professional and paramedical services ▪ 100% for all other expenses ▪ Drug Features ▪ drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN) ▪ pay direct drug card ▪ includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy ▇▇▇▇-up and dispensing fee maximums by province ▪ Hospital Room ▪ private or semiprivate ▪ Nursing Care ▪ max $25,000 per person every 3 years ▪ Paramedical – Acupuncture – Chiropractor – Osteopath – Massage Therapist – Naturopath – Physiotherapist – Podiatrist – Psychologist/Social Worker – Speech Therapist – Massage Therapist ▪ 80% paramedical services to applicable maximum ▪ max of $500 per person per year ▪ max of $500 per person per year ▪ max of $500 per person per year* ▪ max of $500 per person per year ▪ max of $500 per person per year* ▪ max of $500 per person per year ▪ max of $500 per person per year* ▪ max of $500 per person per year ▪ max of $500 per person per year ▪ max of $500 per person per year ▪ Vision Care ▪ max of $250 per person in any 24 consecutive months (frames, lenses, laser) ▪ one eye exam every 2 calendar years (reasonable and customary costs) ▪ Hearing Aids ▪ max of $300 per person in any 5 consecutive calendar years ▪ Other ▪ nursing home accommodation – max $20 a day ▪ ambulance services to and from the nearest appropriate medical care ▪ medical supplies and services to specified maximums ▪ accidental dental treatment within 6 months of the accident ▪ extra care (wigs or hairpieces up to $500 lifetime per person) ▪ Emergency Out-of-Country ▪ emergency medical services Plan Features ▪ referral treatment ▪ max of $5 million lifetime per person ▪ Travel Assistance ▪ Included * Less any amount paid by the government plan Premium Cost Sharing ▪ as per the Collective Agreement Waiting Period ▪ same as Major Medical Participation Basis ▪ same as Major Medical

Required Number of Hours. Full-time employee per week Evidence of Insurability Medical evidence is required when you apply for insurance in excess of the Limit. Medical evidence is also required for all benefits, except Dental insurance, when you make a Late Application for insurance on any person.

Required Number of Hours. ▪ Same as Major Medical

Required Number of Hours. ▪ same as Major Medical Dental Fee Guide ▪ current in province of residence Deductibles Single Family ▪ nil ▪ nil Coinsurance ▪ Part I Preventive ▪ Minor Restorative ▪ Part II Major Restorative ▪ 100% ▪ 100% ▪ 50% ▪ Part III Orthodontic ▪ 50% (Eligible Dependent Children only) Orthodontic Dependent Children Age Basis ▪ under 19 years old Benefit Maximum ▪ Part I – unlimited ▪ Part II - $1,500/year ▪ Part III - $2,500 lifetime Recall Exam ▪ 6 months X-Rays ▪ bitewing – once every 6 months ▪ full mouth – once every 24 months Premium Cost Sharing ▪ as per the Collective Agreement Waiting Period ▪ same as Major Medical Participation Basis ▪ employee coverage: compulsory ▪ dependent coverage: not applicable Required Number of Hours ▪ same as Major Medical Benefit Formula ▪ less than 4 years of service: 66 2/3% of pre-disability earnings ▪ 4 years of service or more: 75% of pre-disability earnings Maximum Benefit ▪ $15,000 a month without Evidence of Insurability, $23,000 a month with satisfactory Evidence of Insurability as per Manulife. Qualifying Period ▪ 15 weeks or expiration of sick leave credits whichever is greater All Source Maximum ▪ 80% of gross pre-disability earnings Definition of Disability ▪ 2 years own occupation Indexation of Benefits ▪ no Pre-existing Condition Clause ▪ yes Premium Cost Sharing ▪ as per the Collective Agreement Waiting Period ▪ same as Major Medical Participation Basis ▪ employee coverage: compulsory ▪ dependent coverage: not applicable Required Number of Hours ▪ same as Major Medical Benefit Formula ▪ 1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Reduction Formula ▪ employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount: 85% at age 65 70% at age 66 55% at age 67 40% at age 68 25% at age 69 Maximum Benefit ▪ without evidence: $600,000 ▪ with evidence: $1,000,000 ▪ combined maximums with Optional Life Premium Cost Sharing ▪ as per the Collective Agreement Waiting Period ▪ same as Major Medical Participation Basis ▪ employee coverage: not compulsory ▪ dependent coverage: not applicable Required Number of Hours ▪ same as Major Medical Benefit Formula ▪ 1x or 2x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000 Maximum Benefit ▪ without evidence: $600,000 ▪ with evidence: $1,000,000 ▪ combined maximums with Basic Life

Required Number of Hours. ▪ same as Major Medical Dental Fee Guide ▪ current in province of residence Single ▪ nil Family ▪ nil ▪ Part I Preventive ▪ 100% ▪ Minor Restorative ▪ 100% ▪ Part II Major Restorative ▪ 50% ▪ Part III Orthodontic ▪ 50% Orthodontic Dependent Children Age Basis ▪ under 19 years old Benefit Maximum ▪ Part I – unlimited ▪ Part II - $1,500/year ▪ Part III - $2,000 lifetime Recall Exam ▪ 6 months X-Rays ▪ bitewing – once every 6 months ▪ full mouth – once every 24 months

Required Number of Hours same as Major Medical Dental Fee Guide ▪ c... urrent in province of residence

Required Number of Hours.  same as Major Medical Dental Fee Guide  current in province of residence Deductibles Single Family   nil nil  Part I Preventive  100%  Minor Restorative  100%  Part II Major Restorative  50%  Part III Orthodontic  50% (Eligible Dependent Children only) Orthodontic Dependent Children Age Basis  under 19 years old Benefit Maximum    Part I – unlimited Part II - $1,500/year Part III - $2,500 lifetime Recall Exam  6 months

Required Number of Hours.  as per the Collective Agreement

Required Number of Hours. Full-time employee - 37.5 hour(s) per week Medical evidence is required when you apply for insurance in excess of the Non-Evidence Limit. Medical evidence is also required for all benefits, when you make a Late Application for insurance on any person.