Common use of Extended Health Benefit Clause in Contracts

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairs, braces, crutches, ambulance service, chiropractors, to name a few. Pre-authorization is required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted to cover by law  Services or supplies for which a charge is made only because you have insurance coverage  The portion of the expense for services or supplies that is payable by the government public health plan in your home province, whether or not you are actually covered under the government public health plan  Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province and Great-West Life would have paid benefits for the same services or supplies if they had been received in your home province  Expenses arising from war, insurrection, or voluntary participation in a riot  Chronic care  Podiatric treatments for which a portion of the cost is payable under the Ontario Health Insurance Plan (OHIP). Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  Vision care services and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under Group Travel Insurance is limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage commences from the actual date of departure from your province of residence. Coverage under Group Travel Insurance is limited to thirty (30) days per trip for travel outside Canada. Coverage commences from the actual date of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Life on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairs, braces, crutches, ambulance service, chiropractors, to name a few. Pre-authorization is required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  • Expenses private insurers are not permitted to cover by law  • Services or supplies for which a charge is made only because you have insurance coverage  • The portion of the expense for services or supplies that is payable by the government public health plan in your home province, whether or not you are actually covered under the government public health plan  • Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government plan, without regard to whether coverage would have otherwise been available under this plan  • Services or supplies that do not represent reasonable treatment  • Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  • Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  • Extra medical supplies that are spares or alternates  • Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province and Great-West Life would have paid benefits for the same services or supplies if they had been received in your home province  • Expenses arising from war, insurrection, or voluntary participation in a riot  • Chronic care  • Podiatric treatments for which a portion of the cost is payable under the Ontario Health Insurance Plan (OHIP). Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  • Vision care services and supplies required by an employer as a condition of employment  • Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under Group Travel Insurance is limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage commences from the actual date of departure from your province of residence. Coverage under Group Travel Insurance is limited to thirty (30) days per trip for travel outside Canada. Coverage commences from the actual date of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Life on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairs, braces, crutches, ambulance service, chiropractors, to name a few. Pre-Pre- authorization is required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted to cover by law  Services or supplies for which a charge is made only because you have insurance coverage  The portion of the expense for services or supplies that is payable by the government public health plan in your home province, whether or not you are actually covered under the government public health plan  Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province and Great-West Life would have paid benefits for the same services or supplies if they had been received in your home province  Expenses arising from war, insurrection, or voluntary participation in a riot  Chronic care  Podiatric treatments for which a portion of the cost is payable under the Ontario Health Insurance Plan (OHIP). Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  Vision care services and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under Group Travel Insurance is limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage commences from the actual date of departure from your province of residence. Coverage under Group Travel Insurance is limited to thirty (30) days per trip for travel outside Canada. Coverage commences from the actual date of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Life on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairs, braces, crutches, ambulance service, chiropractors, to name a few. Pre-Pre- authorization is required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  • Expenses private insurers are not permitted to cover by law  • Services or supplies for which a charge is made only because you have insurance coverage  • The portion of the expense for services or supplies that is payable by the government public health plan in your home province, whether or not you are actually covered under the government public health plan  • Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government plan, without regard to whether coverage would have otherwise been available under this plan  • Services or supplies that do not represent reasonable treatment  • Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  • Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  • Extra medical supplies that are spares or alternates  • Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province and Great-West Life would have paid benefits for the same services or supplies if they had been received in your home province  • Expenses arising from war, insurrection, or voluntary participation in a riot  • Chronic care  • Podiatric treatments for which a portion of the cost is payable under the Ontario Health Insurance Plan (OHIP). Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  • Vision care services and supplies required by an employer as a condition of employment  • Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under Group Travel Insurance is limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage commences from the actual date of departure from your province of residence. Coverage under Group Travel Insurance is limited to thirty (30) days per trip for travel outside Canada. Coverage commences from the actual date of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Life on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April 1, 1997, insured employees/retirees and/or their dependents are required to obtain pre-approval for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted · injury or illness due to cover by law  Services war or supplies engaging in a riot or insurrection; · aesthetic surgery (cosmetic surgery for beautification purposes); · services required due to an intentional self-inflicted injury; · delivery charges; · hearing tests; · pregnancy tests; · injury or illness for which you or your dependents are covered under Worker’s Compensation or a charge is made only because you have insurance coverage  The portion of the expense for similar program; · services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan  Any portion of similar type group; · services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan; · expenses for contraceptives other than oral contraceptives; · expenses for vitamins (except injectables), minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit); · expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province  Expenses arising from war, insurrection, salt substitutes; · expenses for drugs which are used for a condition or voluntary participation in a riot  Chronic care  Podiatric conditions not recommended by the manufacturer of the drugs; · experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product’s or treatment’s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurer/administrator. Benefits · expenses for these services are payable only after the maximum annual OHIP benefit has been paid  Vision lozenges, mouth washes, non-medicated shampoos, contact lens care services products and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses skin cleaners, protectives, or emollients. Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is limited to a maximum of ninety (90) days per trip trip, for travel within Canada and for outside Canada. Coverage commences from the actual date The maximum of departure from your province of residence. Coverage under Group Travel Insurance 30 days is limited to thirty (30) days per trip afforded for travel outside Canada. Coverage commences Canada and will commence from the actual date of departure from Canada. A person with Additional coverage is available from Desjardin Financial Security on an optional pay all basis. It is important to note that coverage is provided for emergencies only related to accidents or unexpected illness while traveling outside your province of residence. If you have an existing medical condition, the condition must be stable before traveling to have coverage for 3 months prior to travellingthat condition. Stable means that in the last 3 months before leaving, there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, medication dosage or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Life on an optional pay all basisif you are a diabetic.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April 1, 1997, insured employees/retirees and/or their dependents are required to obtain pre-approval for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted - injury or illness due to cover by law  Services war or supplies engaging in a riot or insurrection; - aesthetic surgery (cosmetic surgery for beautification purposes); - services required due to an intentional self-inflicted injury; - delivery charges; - hearing tests; - pregnancy tests; - injury or illness for which you or your dependents are covered under Worker’s Compensation or a charge is made only because you have insurance coverage  The portion of the expense for similar program; - services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan  Any portion of similar type group; - services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan; - expenses for contraceptives other than oral contraceptives; - expenses for vitamins (except injectables), minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit); - expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province  Expenses arising from war, insurrection, salt substitutes; - expenses for drugs which are used for a condition or voluntary participation in a riot  Chronic care  Podiatric conditions not recommended by the manufacturer of the drugs; - experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product’s or treatment’s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurer/administrator. Benefits - expenses for these services are payable only after the maximum annual OHIP benefit has been paid  Vision lozenges, mouth washes, non-medicated shampoos, contact lens care services products and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses skin cleaners, protectives, or emollients. Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is now limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage Coverages commences from the actual date of departure from your province of residencedeparture. Coverage under Group Travel Insurance is limited to thirty (30) days The current 30 day period per trip for travel outside CanadaCanada will still apply. Coverage commences from There will be no coverage for travel outside Canada under this program following the actual date first 30 days of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period a trip outside the participants province of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabeticsresidence. Additional coverage is available from Great-West Life Atlantic Blue Cross Care on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April 1, 1997, insured employees/retirees and/or their dependents are required to obtain pre-approval for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted injury or illness due to cover by law war or engaging in a riot or insurrection;  Services aesthetic surgery (cosmetic surgery for beautification purposes);  services required due to an intentional self-inflicted injury;  delivery charges;  hearing tests;  pregnancy tests;  injury or supplies illness for which you or your dependents are covered under Worker=s Compensation or a charge is made only because you have insurance coverage similar program;  The portion of the expense for services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan similar type group;  Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan;  expenses for contraceptives other than oral contraceptives;  expenses for vitamins (except injectables), minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit);  expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province salt substitutes;  Expenses arising from war, insurrection, expenses for drugs which are used for a condition or voluntary participation in a riot conditions not recommended by the manufacturer of the drugs;  Chronic care  Podiatric experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product=s or treatment=s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurer/administrator. Benefits  expenses for these services are payable only after the maximum annual OHIP benefit has been paid  Vision lozenges, mouth washes, non-medicated shampoos, contact lens care services products and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses skin cleaners, protectives, or emollients. Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is now limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage Coverages commences from the actual date of departure from your province of residencedeparture. Coverage under Group Travel Insurance is limited to thirty (30) days The current 30 day period per trip for travel outside CanadaCanada will still apply. Coverage commences from There will be no coverage for travel outside Canada under this program following the actual date first 30 days of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period a trip outside the participants‟ province of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabeticsresidence. Additional coverage is available from Great-West Life Xxxxxxxxxx Financial Security on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April insured their dependents are required to obtain for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted injury or illness due to cover by law  Services war or supplies engaging in a riot or insurrection; aesthetic surgery (cosmetic surgery for beautification purposes); services required due to an intentional self-inflicted injury; delivery charges; hearing tests; pregnancy tests; injury or illness for which you or your dependents are covered under Worker’s Compensation or a charge is made only because you have insurance coverage  The portion of the expense for similar program; services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan  Any portion of similar type group; services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan; expenses for contraceptives other than oral contraceptives; expenses for vitamins (except minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit); expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province  Expenses arising from war, insurrection, salt substitutes; expenses for drugs which are used for a condition or voluntary participation in a riot  Chronic care  Podiatric conditions not recommended by the manufacturer of the drugs; experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product’s or treatment’s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurerladministrator. Benefits expenses for these services are payable only after the maximum annual OHIP benefit has been paid  Vision lozenges, mouth washes, non-medicated shampoos, contact lens care services products and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses skin cleaners, or emollients. Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is now limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage Coverages commences from the actual date of departure from your province of residencedeparture. Coverage under Group Travel Insurance is limited to thirty (30) days The current day period per trip for travel outside CanadaCanada will still apply. Coverage commences from There will be no coverage for travel outside Canada under this program following the actual date first days of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period a trip outside the participants province of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabeticsresidence. Additional coverage is available from Great-West Life Financial Security on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April insured and/or their dependents are required to obtain for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted injury or illness due to cover by law  Services war or supplies engaging in a riot or insurrection; aesthetic surgery (cosmetic surgery for beautification purposes); services required due to an intentional self-inflicted injury; delivery charges; hearing tests; pregnancy tests; injury or illness for which you or your dependents are covered under Worker’s Compensation or a charge is made only because you have insurance coverage  The portion of the expense for similar program; services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan  Any portion of similar type group; services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan; expenses for contraceptives other than oral contraceptives; expenses for vitamins (except minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit); expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province  Expenses arising from war, insurrection, salt substitutes; expenses for drugs which are used for a condition or voluntary participation in a riot  Chronic care  Podiatric conditions not recommended by the manufacturer of the drugs; experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product’s or treatment’s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the expenses for lozenges, mouth washes, non-medicated shampoos, contact lens care products and skin cleaners, or emollients. Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  Vision care services and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is now limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage Coverages commences from the actual date of departure from your province of residencedeparture. Coverage under Group Travel Insurance is limited to thirty (30) days The current day period per trip for travel outside CanadaCanada will still apply. Coverage commences from There will be no coverage for travel outside Canada under this program following the actual date first days of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period a trip outside the participants province of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabeticsresidence. Additional coverage is available from Great-West Life Atlantic Blue Cross Care on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April 1, 1997, insured employees/retirees and/or their dependents are required to obtain pre-approval for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted injury or illness due to cover by law war or engaging in a riot or insurrection;  Services aesthetic surgery (cosmetic surgery for beautification purposes);  services required due to an intentional self-inflicted injury;  delivery charges;  hearing tests;  pregnancy tests;  injury or supplies illness for which you or your dependents are covered under Worker=s Compensation or a charge is made only because you have insurance coverage similar program;  The portion of the expense for services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan similar type group;  Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan;  expenses for contraceptives other than oral contraceptives;  expenses for vitamins (except injectables), minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit);  expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province salt substitutes;  Expenses arising from war, insurrection, expenses for drugs which are used for a condition or voluntary participation in a riot conditions not recommended by the manufacturer of the drugs;  Chronic care  Podiatric experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product’s or treatment’s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurer/administrator. Benefits  expenses for these services are payable only after the maximum annual OHIP benefit has been paid  Vision lozenges, mouth washes, non-medicated shampoos, contact lens care services products and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses skin cleaners, protectives, or emollients. Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is limited to a maximum of ninety (90) days per trip trip, for travel within Canada. Coverage commences from the actual date The maximum of departure from your province of residence. Coverage under Group Travel Insurance 30 days is limited to thirty (30) days per trip afforded for travel outside Canada. Coverage commences Canada and will commence from the actual date of departure from Canada. A person with Additional coverage is available from Xxxxxxxxxx Financial Security on an optional pay all basis. It is important to note that coverage is provided for emergencies only related to accidents or unexpected illness while traveling outside your province of residence. If you have an existing medical condition, the condition must be stable before traveling to have coverage for 3 months prior to travellingthat condition. Stable means that in the last 3 months before leaving, there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, medication dosage or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Life on an optional pay all basisif you are a diabetic.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairs, braces, crutches, ambulance service, chiropractors, to name a few. Pre-authorization is required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  • Expenses private insurers are not permitted to cover by law  • Services or supplies for which a charge is made only because you have insurance coverage  • The portion of the expense for services or supplies that is payable by the government public health plan in your home province, whether or not you are actually covered under the government public health plan  • Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government plan, without regard to whether coverage would have otherwise been available under this plan  • Services or supplies that do not represent reasonable treatment  • Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  • Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  • Extra medical supplies that are spares or alternates  • Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province and Great-West Life would have paid benefits for the same services or supplies if they had been received in your home province  • Expenses arising from war, insurrection, or voluntary participation in a riot  • Chronic care  • Podiatric treatments for which a portion of the cost is payable under the Ontario Health Insurance Plan (OHIP). Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  • Vision care services and supplies required by an employer as a condition of employment  • Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under Group Travel Insurance is limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage commences from the actual date of departure from your province of residence. Coverage under Group Travel Insurance is limited to thirty (30) days per trip for travel outside Canada. Coverage commences from the actual date of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Life on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for reasonable and customary charges for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. , Effective April 1, 1997, insured employees/retirees and/or their dependents are required to obtain pre-approval for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It Reimbursement is important to note that reimbursement under the extended health care benefit is made provided at 80% for the first $5000 per calendar 75 year of covered eligible extended health and vision care claims per calendar year; for eligible expenses up to between $5,000; expenses over $5,000 5000.01 and less than $10,000 are per calendar year, 90% of the eligible amount will be reimbursed at 90%per calendar year, and expenses over for any amount exceeding $10,000 are reimbursed at per calendar year the program will reimburse 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted injury or illness due to cover by law  Services war or supplies engaging in a riot or insurrection; aesthetic surgery (cosmetic surgery for beautification purposes); services required due to an intentional self-inflicted injury; delivery charges; hearing tests; pregnancy tests; injury or illness for which you or your dependents are covered under Workers’ Compensation or a charge is made only because you have insurance coverage  The portion of the expense for similar program; services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployer, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan  Any portion of similar type group; services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan.; expenses for contraceptives other than oral contraceptives; expenses for vitamins (except injectables), minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit); expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province  Expenses arising from war, insurrection, salt substitutes; expenses for drugs which are used for a condition or voluntary participation in a riot  Chronic care  Podiatric conditions not recommended by the manufacturer of the drugs; experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product’s or treatment’s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurer/administrator; expenses for lozenges, mouth washes, non-medicated shampoos, contact lens care products and skin cleaners, protectives, or emollients. Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  Vision care services and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is now limited to a maximum of ninety thirty (9030) days per trip for travel within Canadatrip. Coverage commences from the actual date of departure from your province of residence. Coverage under Group Travel Insurance is limited to thirty (30) days per trip for travel outside Canada. Coverage commences from the actual date of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabeticsdeparture. Additional coverage is available from Great-West Life Blue Cross of Atlantic Canada on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairs, braces, crutches, ambulance service, chiropractors, to name a few. Pre-authorization is required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted to cover by law  Services or supplies for which a charge is made only because you have insurance coverage  The portion of the expense for services or supplies that is payable by the government public health plan in your home province, whether or not you are actually covered under the government public health plan  Any portion of services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Canada Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province and Great-West Canada Life would have paid benefits for the same services or supplies if they had been received in your home province  Expenses arising from war, insurrection, or voluntary participation in a riot  Chronic care  Podiatric treatments for which a portion of the cost is payable under the Ontario Health Insurance Plan (OHIP). Benefits for these services are payable only after the maximum annual OHIP benefit has been paid  Vision care services and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under Group Travel Insurance is limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage commences from the actual date of departure from your province of residence. Coverage under Group Travel Insurance is limited to thirty (30) days per trip for travel outside Canada. Coverage commences from the actual date of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabetics. Additional coverage is available from Great-West Canada Life on an optional pay all basis.

Extended Health Benefit. This is not the official version. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-Pre- authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April 1, 1997, insured employees/retirees and/or their dependents are required to obtain pre-approval for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted - injury or illness due to cover by law  Services war or supplies engaging in a riot or insurrection; - aesthetic surgery (cosmetic surgery for beautification purposes); - services required due to an intentional self-inflicted injury; - delivery charges; - hearing tests; - pregnancy tests; - injury or illness for which you or your dependents are covered under Worker’s Compensation or a charge is made only because you have insurance coverage  The portion of the expense for similar program; - services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan  Any portion of similar type group; - services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan; - expenses for contraceptives other than oral contraceptives; - expenses for vitamins (except injectables), minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit); - expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province  Expenses arising from war, insurrection, salt substitutes; - expenses for drugs which are used for a condition or voluntary participation in a riot  Chronic care  Podiatric conditions not recommended by the manufacturer of the drugs; - experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product’s or treatment’s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurer/administrator. Benefits - expenses for these services are payable only after the maximum annual OHIP benefit has been paid  Vision lozenges, mouth washes, non-medicated shampoos, contact lens care services products and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses skin cleaners, protectives, or emollients. Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. This is not the official version. Coverage under the Group Travel Insurance is now limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage Coverages commences from the actual date of departure from your province of residencedeparture. Coverage under Group Travel Insurance is limited to thirty (30) days The current 30 day period per trip for travel outside CanadaCanada will still apply. Coverage commences from There will be no coverage for travel outside Canada under this program following the actual date first 30 days of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period a trip outside the participants province of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabeticsresidence. Additional coverage is available from Great-West Life Atlantic Blue Cross Care on an optional pay all basis.

Extended Health Benefit. Reimbursement is provided for many types of services, such as registered nurse, physiotherapist, wheelchairswheelchair rental, braces, crutches, deep x-rays, ambulance service, chiropractors, to name a few. Pre-authorization is now required for the rental and/or purchase of all durable equipment and all Nursing Care/Home Care benefits. Effective April 1, 1997, insured employees/retirees and/or their dependents are required to obtain pre-approval for these services by calling the insurance carrier. Certain dollar amounts or time period maximums apply. It is important to note that reimbursement under the extended health care benefit is made at 80% of covered eligible expenses up to $5,000; expenses over $5,000 and less than $10,000 are reimbursed at 90%, and expenses over $10,000 are reimbursed at 100% in any calendar year. Where no maximum eligible expense is noted, reasonable and customary rates will apply. Please consult your online employee benefit booklet for details. Services not Covered Under the Supplementary Health Insurance Program You and/or your dependents are not covered for medical expenses incurred as a result of any of the following:  Expenses private insurers are not permitted $ injury or illness due to cover by law  Services war or supplies engaging in a riot or insurrection; $ aesthetic surgery (cosmetic surgery for beautification purposes); $ services required due to an intentional self-inflicted injury; $ delivery charges; $ hearing tests; $ pregnancy tests; $ injury or illness for which you or your dependents are covered under Worker=s Compensation or a charge is made only because you have insurance coverage  The portion of the expense for similar program; $ services or supplies that is payable received from a dental or medical department maintained by the government public health plan in your home provinceemployers, whether a mutual benefit association, labour union, trustee or not you are actually covered under the government public health plan  Any portion of similar type group; $ services or supplies which you are entitled to receive, or for which you are entitled to a benefit or reimbursement, by law or covered under a plan that is legislated, funded, or administered in whole or in part by a provincial / federal government hospital plan, without regard to whether coverage would have otherwise been available under this plan  Services or supplies that do not represent reasonable treatment  Services or supplies associated with: o treatment performed only for cosmetic purposes o recreation or sports rather than with other daily living activities o the diagnosis or treatment of infertility o contraception, other than contraceptive drugs and products containing a contraceptive drug  Services or supplies associated with a covered service or supply, unless specifically listed as a covered service or supply or determined by Great-West Life to be a covered service or supply  Extra medical supplies that are spares or alternates  Services or supplies received out-of-province in Canada unless you are covered by the government health plan in your home province or any other government plan; $ expenses for contraceptives other than oral contraceptives; This is not the official version. $ expenses for vitamins (except injectables), minerals, and Great-West Life protein supplements (other than expenses that would have paid benefits qualify for reimbursement under Eligible Expenses under the same services Drug Benefit); $ expenses for diets and dietary supplements, infant foods and sugar or supplies if they had been received in your home province  Expenses arising from war, insurrection, salt substitutes; $ expenses for drugs which are used for a condition or voluntary participation in a riot  Chronic care  Podiatric conditions not recommended by the manufacturer of the drugs; $ experimental products or treatments for which a portion substantial evidence, provided through objective clinical testing of the cost is payable product=s or treatment=s safety and effectiveness for the purpose and under the Ontario Health Insurance Plan (OHIP)conditions of the use recommended does not exist to the satisfaction of the insurer/administrator. Benefits $ expenses for these services are payable only after the maximum annual OHIP benefit has been paid  Vision lozenges, mouth washes, non-medicated shampoos, contact lens care services products and supplies required by an employer as a condition of employment  Prescription sunglasses and safety glasses skin cleaners, protectives, or emollients. Group Travel Insurance The group travel plan covers a wide range of benefits which may be required as a result of an accident or unexpected illness incurred outside the province while travelling on business or vacation. The insurer will pay 100% of the reasonable and customary charges (subject to any benefit maximums) for expenses, such as hospital, physician, return home and other expenses as outlined in the employee booklet. Coverage under the Group Travel Insurance is now limited to a maximum of ninety (90) days per trip for travel within Canada. Coverage Coverages commences from the actual date of departure from your province of residencedeparture. Coverage under Group Travel Insurance is limited to thirty (30) days The current 30 day period per trip for travel outside CanadaCanada will still apply. Coverage commences from There will be no coverage for travel outside Canada under this program following the actual date first 30 days of departure from Canada. A person with an existing medical condition must be stable for 3 months prior to travelling. Stable means there has been no period a trip outside the participants’ province of hospitalization, no increase or modification in treatment or prescribed medication, or no symptom for which a reasonably prudent person would consult a physician. Stable dosage does not apply to diabeticsresidence. Additional coverage is available from Great-West Life Xxxxxxxxxx Financial Security on an optional pay all basis.