PLAN OVERVIEW

The Mandatory and Optional Plans offer you the following coverages.

BENEFIT	OPTION 1	OPTION 2	OPTION 3	OPTION 4	OPTION 5
Medical
Hospital Hearing Aids Drugs Professional Services Out-of-Province & Country Medical Emergency Emergency Travel Assistance (ETA)	Not Covered Not Covered Not Covered Not Covered $5,000,000 Unlimited	75 % (semi-private) Not Covered 75 % generic with card $6 dispensing fee cap 75 % - $300 max./yr. $5,000,000 Unlimited	100 % (semi-private) 100 % 85 % generic with card $6 dispensing fee cap 100 % - $500 max./yr. $5,000,000 Unlimited	100 % (private) 100 % 100 generic % with card $6 dispensing fee cap 100 % - $500 max./yr. 1st dollar for Chiropractor & Podiatrist $5,000,000 Unlimited
Dental	(Current Fee Schedule)
Basic Preventative Diagnostic Periodontics Endodontics Major Restorative Orthodontics (children)	No Coverage	75%* 75%* 75%* 75%* 75%* Not Covered Not Covered * Combined maximum $1000/year per insured	90%* 90%* 90%* 90%* 90%* Not Covered Not Covered * Combined maximum $1250/year per insured	90%* 90%* 90%* 90%* 90%* 50%* 50% $2,000/lifetime max. * Combined maximum $2000/year per insured	100%* 100%* 100%* 100%* 100%* 50%* 50% $2,000/lifetime max. * Combined maximum $2000/year per insured
Vision Care	No Coverage	$150/24 months	$200/24 months	$350/24 months	$500/24 months

BENEFIT	OPTION 1	OPTION 2	OPTION 3	OPTION 4	OPTION 5	OPTION 6
Short Term Disability (STD)	66,67% of monthly salary; maximum - 1,600/wk.; 0/7 waiting period; 17 week benefit period
Long Term Disability (LTD)	66,67% of first $2,250 of monthly earnings plus 50% of next $25,000; 5 year benefit period	66,67% of first $2,250 of monthly earnings plus 50% of next $25,000; To age 65 benefit period	66,67% of first $2,250 of monthly earnings plus 50% of next $25,000; COLA - 3% maximum; To age 65 benefit period
Associate Life Insurance	2 x Annual Salary	3 x Annual Salary	5 x Annual Salary	7 x Annual Salary
Spousal Life Insurance	Not Covered	$10,000	$20,000	$50,000	$100,000	$150,000
Child Life Insurance	Not Covered	$5,000	$10,000	$20,000
Accidental Death & Dismemberment (AD&D)	2 x Annual Salary	3 x Annual Salary	5 x Annual Salary	7 x Annual Salary
Associate Critical Illness	$5,000	$15,000	$30,000	$55,000
Spousal Critical Illness	Not Covered	$5,000	$10,000	$25,000	$50,000

Limits and other restrictions may apply (see Plan Details in the following pages).

DEFINITION OF TERMS
Various terms are used throughout this material. The key terms that you should be familiar with are defined below:

Beneficiary	Individual(s) you designate to receive benefits following your death subject to any policy or legal limitations. If the beneficiary you appoint is under 18 years of age, a trustee will be required before the payment can be made.
Flex Dollar Allowance	The amount of money that the company provides to help you purchase the benefits you want.
Coinsurance	The amount the Plan reimburses you, after you have paid any required deductible.
Coordination of Benefits	If you have health or dental coverage through another plan, such as your spouse's company plan, your benefits can be coordinated with benefits from the other plan. This means that your total reimbursement for expenses may be up to 100%.
Coverage Category	The level of medical and dental coverage you require, that is, Employee (E) if you have no eligible dependents, Employee +1 if you have one dependent only (child or spouse) and Employee + 2+ if you have more than one dependent (spouse and/or dependent children).
Deductible	The amount you have to pay each policy year before the Plan reimburses you.
Dependent	Each child (over 14 days of age with respect to Child Life insurance). The child must be unmarried, not employed on a regular, full-time basis and under 21 years of age. A child age 21 to 24 inclusive will be considered a dependent if in full-time attendance at an accredited school, college or university. Any mentally or physically handicapped child wholly dependent upon the employee for support and maintenance shall remain insured beyond any limiting age. Spouse - Means the legal spouse of the Insured Person or an individual who has been residing with the Insured Person for a period of at least one year and who has been designated as the spouse of the Insured Person in the Policyholder's records for insurance purposes.
Eligibility	Permanent, full-time and part-time employees are eligible for coverage following 30 consecutive days of employment.
'Opt Out' of Benefit Coverage	If you choose the 'no coverage' option for dental and/or vision then you are restricted to the lowest benefit option should you elect coverage at a later date. If enrolled in Option 2, 3 or 4 of these benefits, to 'opt out' you can only do so after moving down to the lowest benefit option first. See Standard Operating Procedures on the following page for further details.
Waive Coverage	If you have coverage under your spouse's plan you may waive the medical, dental and/or vision benefit. If you subsequently lose that coverage then you can come into the 'My Choice' options within 31 days and choose any option.
Premium	The annual cost for coverage under each option. Premiums can be paid using your Flex Dollar Allowance, payroll deduction, or a combination of both.
Reasonable & Customary	Charges that do not exceed the general level of charges made by other providers of similar standing in the locality or geographical area where the charge is incurred, when furnishing like or comparable treatment, services or supplies.
Salary	Means the employee's normal earnings as defined by your Human Resources or Benefits Department.

Standard Operating Procedures (S.O.P.s/Rules)

Benefit enrollment occurs one time per year.
Evidence of Insurability will be required to increase Optional Life or LTD coverage upon subsequent re-enrollments. Evidence is required on all amounts of Spousal Life Insurance in excess of $20,000.
Re-enrollment between anniversary dates can occur if there is a life event change (i.e. single to employee +1 or +2+ or vice versa) because of marriage, divorce, birth or death. You must apply within 31 days or medical evidence will be required for Health, Vision and/or Dental coverage. Medical evidence is required for increases in all other benefits.
Re-enrollment between anniversary dates can occur if Medical and/or Dental coverage had been waived because of spousal coverage, but the employee's spouse loses that coverage. Vision Care can also be taken if the spouse loses Health coverage which included Vision Care. You must apply within 31 days after your spouse loses coverage or medical evidence will be required for Health, Vision and/or Dental coverage. Medical evidence is required for increases in all other benefits.
Salary changes will not cause a re-enrollment.
Dental and Vision Care - you may only move up or down one option per year. Once enrolled in an Option you can only opt out by moving down to Option 2 first and then out (i.e. if in Option 4 you must change to Option 3 for a year; then to Option 2 for a year; and then out the following year).
If you elect to opt out of Dental or Vision coverage you will only be able to come into the plan at the lowest benefit Option (Option 2).
This booklet outlines the benefits of your group insurance plan but does not create or confer any contractual rights. In case of dispute, the group insurance policy issued to your employer remains the only binding document, in accordance with the provisions prescribed by law.

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