Benefit Description

For Employees -Great West Life

Life Insurance and Accidental Death & Dismemberment:$70,000

• Spouse: $10, 000
• Child: $5,000

Long Term Disability:

• The waiting period is 120 days or 4 months (after Employment Insurance)
• $2,000 per month for the first 2 years, increasing to $2,500 thereafter (integrated with other income sources to a maximum of 85% of gross or net pre-disability income depending on tax status of benefits).
• Payable to age 65.
• CPP is not deducted from the monthly amount.

Note: To be eligible for Disability benefits, the employee must be in "benefit" under the LTD benefits, and actively at work at the time of disability

For Employees and Eligible Dependents-Spouse and Children - Great West Life

Extended Health and Vision Care

• 80% coinsurance for: prescription drugs - pay-direct drug card and dispensing fee cap of $8.00
• 100% coinsurance for: semi-private hospital; emergency Out of Canada services ; Travel Assistance coverage, paramedical visits, other medical services and supplies (certain maximums and restrictions apply)
• Paramedical practitioners -$500/year per practitioner and $600/year for physiotherapy
• $300 every 2 calendar years for glasses, contacts or laser surgery for adults, and every year for under age 19
• $75 every 2 calendar years for eye exams for adults

Dental Care

• 80% coinsurance for: Basic Dental Services - including check up & cleaning: age 19 and over, every calendar year; under 19, once every 6 months, fillings, extractions, root canals, periodontal treatment, minor denture repairs, oral surgery
• 50% coinsurance for: Major Dental Services - dentures, crowns and bridges
• $2,500/person /calendar year for Basic and Major Services combined
• 50% coverage for Orthodontia (braces) for under age 19, maximum.$2,500/dependent/lifetime
• Based on current general and specialist dental fee guides for Ontario

Employee and Family Assistance Plan

Toll-free 24 hour access to confidential counselling services to assist in resolution of personal problems or crisis. Eligibility is based on hours actually worked. 300 hours is required to start the plan and every month a minimum of 150 hours is deducted and the employee will be "in benefit". Coverage can be terminated if the employee has less than 150 hours accumulated in the Hourbank, but coverage can be continued for up to 6 months, under a self-pay option.

If the employee has health and dental coverage from their spouse's plan, the employee must still enrol in this plan. The employee can coordinate claims between the 2 plans for up to 100% reimbursement, or the employee's spouse could "opt out" of these benefits only. Life and disability benefits are only available from the employee's own employer.

Rates Effective January 1, 2010