Common use of Required Number of Hours Clause in Contracts

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 Deductibles Single • nil Family ▪ • nil ▪ nil Coinsurance ▪ • Part I Preventive ▪ • 100% • Minor Restorative ▪ • 100% • 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-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 of$1,000 Maximum Benefit ▪ • without evidence: $600,000 ▪ • with evidence: $1,000,000 ▪ • combined maximums with Basic LifeLife Premium Cost Sharing • as per the Collective Agreement Waiting Period • same as Major Medical Participation Basis • employee coverage: not applicable • dependent coverage: not compulsory Required Number of Hours • same as Major Medical • Spouse • $5,000 • Each Eligible Child • $2,000 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 Premium Cost Sharing • as per the Collective Agreement Waiting Period • same as Major Medical Participation Basis • employee coverage: not compulsory • dependent coverage: not compulsory Required Number of Hours • same as Major Medical • Employee Coverage • units of $10,000 to maximum of $500,000 • Family Coverage • spouse, no children: 50% of employee coverage • spouse and eligible children: 40% of employee coverage for spouse & 10% for each child • eligible children only: 15% of employee coverage for each eligible child