Common use of No CPP Offsets Clause in Contracts

No CPP Offsets. The maximum income from all sources during disability will not exceed 85% of the pre-disability gross monthly earnings. The benefit payable is taxable upon receipt. Elimination Period – Payment of benefits will begin after being Totally Disabled for 26 weeks or after the Weekly Disability Benefit period, if longer. Definition of Total Disability – During the Elimination Period and the first 24 months following the Elimination Period: The Member is not able to perform the essential duties of his or her own occupation and earn at least 80% of his or her indexed pre-disability gross monthly earnings* due to an illness or injury. Thereafter: The Member is not able to perform the essential duties of his or her own occupation or any occupation for which he or she is or could become reasonably qualified by training, education, and experience and earn at least 70% of his or her indexed pre- disability gross monthly earnings* due to the same illness or injury. Maximum Benefit Period – Payments will terminate upon the earliest of the member’s 65th birthday, retirement, or recovery. EXTENDED HEALTH CARE PLAN: Eligible expenses are covered at 100% to an annual maximum of $25,000 and a lifetime maximum of $1,000,000 per covered person. Eligible expenses include the usual major medical supplies and appliances not covered by the Provincial Health Insurance Plan or any other government plan, including WSIB. THERE IS NO COVERAGE FOR SEMI-PRIVATE HOSPITALIZATION IN CANADA. Prescription Drug Plan: Eligible prescription drugs are covered at 100%. Eligible drugs include serums, vaccines, and insulin including needles and syringes. Such drugs and medicines must be obtainable only by prescription from a person entitled by law to prescribe them and must be dispensed by a licensed pharmacist, physician, or other health care practitioner as authorized by provincial legislation. The dispensing fee portion of the cost of an eligible drug is reimbursed to a maximum of $8.00 per prescription. A maximum of one dispensing fee of $8.00 is payable for every 90-day supply of maintenance medications. The Teamsters Managed Health Care Drug Network includes over 400 pharmacies with a maximum dispensing fee of $8.00. Benefits include a pay direct Drug Card for the Managed Health Care Drug Plan. This pay direct drug card will enable you and your dependents to have your eligible expenses processed by the pharmacist with little or no out-of- pocket expenses to you. Pharmacy Listing – You have the choice of purchasing your drugs anywhere. However, in order to assist you in choosing a lower cost pharmacy, a list of pharmacies and their current dispensing fees is available. Simply go to xxx.xxxxxxxxxxxxx.xxx, then click on Managed Health Care, choose your province, then your city, and you will find the names and addresses of the pharmacies in your city along with the maximum, minimum and average level of their dispensing fees. This list is updated on a quarterly basis and is also available by contacting the Plan Administrator’s Contact Centre. Health Practitioners are covered, including x-ray charges, by any of the following practitioners who are registered and legally practising within the scope of their professions, up to the following maximums: - a chiropractor, osteopath, naturopath, podiatrist/chiropodist, acupuncturist, registered clinical psychologist, physiotherapist, registered massage therapist orthophonist/speech therapist up to a maximum of $1,000 per calendar year per family, for all practitioners combined. No amount will be paid for any visit for which any amount is payable under the insured person's Provincial Health Insurance Plan. Orthopaedic shoes/orthotics are covered up to $200 per shoe or up to a maximum of $400 per calendar year. To be covered under the plan, orthopedic shoes and orthotics must be recommended by a licensed doctor (M.D.), podiatrist, or chiropodist. They must be custom made and specifically designed and molded for the covered person, dispensed by a certified podiatrist, chiropodist, pedorthist or orthotist, and required to correct a diagnosed physical impairment. Recommendation must include the diagnosis, symptoms and chief complaints. No benefit will be provided if the orthopedic shoes or orthotics are prescribed or dispensed by a practitioner other than those listed above. Important Note: To avoid misinterpretation of what is eligible and what may or may not qualify as a covered expense, it is strongly recommended that you submit an estimate to the Plan Administrator for confirmation prior to the purchase. Breast prosthesis are covered up to $150 in any five-year period Artificial limbs, eyes, back and neck braces are covered up to $750 per appliance, per lifetime Hearing Aids are covered up to $500 every five years Support Hose and Surgical Stockings are covered up to a maximum of 2 pairs per calendar year. To be eligible elastic support stockings must be recommended by a licensed doctor (M.D.) or podiatrist, provided they have a compression value of at least 20 to 30 mmHg pressure and are required to treat a diagnosed medical condition. Out-Of-Hospital nursing are covered at 80%, for private duty nursing care to a maximum of $25,000 every three years, by a registered nurse (R.N.) who: - is not a member of your family; and. - does not normally live in your home; when ordered by a licensed doctor (M.D.) as medically necessary for a disability that requires the specialised training of an R.N. Vision Care Benefits are covered for contact lenses, or for lenses and frames for eyeglasses, and their replacement, provided there is an actual need for a change in their magnifying strength. Sunglasses or safety glasses of any kind are excluded. Supplies must be prescribed, in writing, by an ophthalmologist or licensed optometrist and must be dispensed by a licensed optometrist or qualified optician. The maximum amount payable in any 12-month period is $300 for persons age 18 and under, or $300 in any 24-month period for persons over age 18. Charges for corrective contact lenses are covered only if vision can be improved to at least the 20/40 level, to a maximum of $300 per lifetime. Eye examinations are covered for individuals over age 20, but younger than age 65, up to a maximum of $80 every 24 months. EMERGENCY OUT OF COUNTRY MEDICAL COVERAGE: 100% for emergency medical, doctor’s fees, hospital charges etc. over and above OHIP. There is a $5,000,000 lifetime maximum for each covered person. Trips are limited to a maximum of sixty (60) consecutive days. This coverage terminates at age 80. The coverage is outlined in the policy. DENTAL BENEFITS: Covered Dental benefits are subject to the maximums provided in the current year’s Ontario Dental Association (ODA) suggested fee guide. Coverage terminates at retirement. Percentage Payable Basic Dental Services are covered at 100% Major Dental Services are covered at 50% Orthodontic Services are covered at 50% Benefit Maximum Basic and Major Services – A combined maximum of $2,000 per calendar year. Orthodontic Services - $2,500 per lifetime per dependent child. Covered Charges Covered charges are those for needed dental care, services or supplies, as described below and received while the Member is covered, for either a disease or injury that is non-occupational. The following services or supplies are covered subject to benefit maximums: Basic Dental Services - Oral exams, including scaling and cleaning of teeth, but not more than once every 6 months; - Periodontal scaling and/or root planning (limited to 10 units per year for all procedures combined); - Occlusal adjustments/equilibration (limited to 8 units per year); - Topical applications of sodium or stannous fluoride (once per 6 months); - Dental x-rays, except that bite-wing x-rays (once per 6 months); - Fillings; - Extractions; - Oral surgery, including excision of impacted wisdom teeth; - Antibiotic drug injections; - Anaesthesia and its administration in connection with oral surgery or other covered dental services; - Space maintainers, including stainless steel crowns for primary teeth that have several cavities which would otherwise require fillings or which are non-restorable using normal restorative dental material; - Repair, relining or rebasing of dentures; - Repair, resurfacing or recementing of crowns, inlays, on lays or bridges; - Periodontic treatment for disease of the bone and gums of the mouth, including tissue grafts and occlusal guards, but not athletic guards; - Endodontic treatment, including root canal therapy. Major Dental Services - Dentures: - First installation, including adjustments of partial, permanent or full temporary or permanent removable dentures to replace 1 or more natural teeth extracted while the person is insured; - Denture adjustments that occur more than three months after installation; - Replacement of an existing partial or full removable denture, if it; • was installed at least five years before and cannot be made serviceable; or • is a temporary full denture which replaces one or more natural teeth extracted while the person is covered and for which replacement by a permanent denture is required and takes place within one year from the date the temporary denture was installed; and • addition of teeth to an existing partial denture, if required to replace one or more natural teeth extracted while the person is covered. Major Dental Services - Crowns and Bridgework - Inlays, on lays, gold fillings and crowns; - First installation of fixed bridgework, including crowns to form abutments, to replace one or more natural teeth extracted while the person was insured. - Replacement of existing bridgework, but only if it was installed at least five years before and cannot be made serviceable; and - Addition of teeth to an existing fixed bridgework, if required to replace one or more natural teeth extracted while the person is covered. Orthodontics (Dependent Children Only) - Diagnostic procedures, including models - Therapy and appliances; and - Correction or malocclusion

No CPP Offsets. The maximum income from all sources during disability will not exceed 85% of the pre-pre- disability gross monthly earnings. The benefit payable is taxable upon receipt. Elimination Period – Payment of benefits will begin after being Totally Disabled for 26 weeks or after the Weekly Disability Benefit period, if longer. Definition of Total Disability – During the Elimination Period and the first 24 months following the Elimination Period: The Member is not able to perform the essential duties of his or her own occupation and earn at least 80% of his or her indexed pre-disability gross monthly earnings* due to an illness or injury. Thereafter: The Member is not able to perform the essential duties of his or her own occupation or any occupation for which he or she is or could become reasonably qualified by training, education, and experience and earn at least 70% of his or her indexed pre- pre-disability gross monthly earnings* due to the same illness or injury. Maximum Benefit Period – Payments will terminate upon the earliest of the member’s 65th birthday, retirement, or recovery. EXTENDED HEALTH CARE PLAN: Eligible expenses are covered at 100% to an annual maximum of $25,000 and a lifetime maximum of $1,000,000 per covered person. Eligible expenses include the usual major medical supplies and appliances not covered by the Provincial Health Insurance Plan or any other government plan, including WSIB. THERE IS NO COVERAGE FOR SEMI-PRIVATE HOSPITALIZATION IN CANADA. Prescription Drug Plan: Eligible prescription drugs are covered at 100%. Eligible drugs include serums, vaccines, and insulin including needles and syringes. Such drugs and medicines must be obtainable only by prescription from a person entitled by law to prescribe them and must be dispensed by a licensed pharmacist, physician, or other health care practitioner as authorized by provincial legislation. The dispensing fee portion of the cost of an eligible drug is reimbursed to a maximum of $8.00 per prescription. A maximum of one dispensing fee of $8.00 is payable for every 90-90 day supply of maintenance medications. The Teamsters Managed Health Care Drug Network includes over 400 pharmacies with a maximum dispensing fee of $8.00. Benefits include a pay direct Drug Card for the Managed Health Care Drug Plan. This pay direct drug card will enable you and your dependents to have your eligible expenses processed by the pharmacist with little or no out-of- of-pocket expenses to you. Pharmacy Listing – You have the choice of purchasing your drugs anywhere. However, in order to assist you in choosing a lower cost pharmacy, a list of pharmacies and their current dispensing fees is available. Simply go to xxx.xxxxxxxxxxxxx.xxx, then click on Managed Health Care, choose your province, then your city, and you will find the names and addresses of the pharmacies in your city along with the maximum, minimum and average level of their dispensing fees. This list is updated on a quarterly basis and is also available by contacting the Plan Administrator’s Contact Centre. Health Practitioners are covered, including x-ray charges, by any of the following practitioners who are registered and legally practising within the scope of their professions, up to the following maximums: - a chiropractor, osteopath, naturopath, podiatrist/chiropodist, acupuncturist, registered clinical psychologist, physiotherapist, registered massage therapist orthophonist/speech therapist up to a maximum of $1,000 per calendar year per family, for all practitioners combined. No amount will be paid for any visit for which any amount is payable under the insured person's Provincial Health Insurance Plan. Orthopaedic shoes/orthotics are covered up to $200 per shoe or up to a maximum of $400 per calendar year. To be covered under the plan, orthopedic shoes and orthotics must be recommended by a licensed doctor (M.D.), podiatrist, or chiropodist. They must be custom made and specifically designed and molded for the covered person, dispensed by a certified podiatrist, chiropodist, pedorthist or orthotist, and required to correct a diagnosed physical impairment. Recommendation must include the diagnosis, symptoms and chief complaints. No benefit will be provided if the orthopedic shoes or orthotics are prescribed or dispensed by a practitioner other than those listed above. Important Note: To avoid misinterpretation of what is eligible and what may or may not qualify as a covered expense, it is strongly recommended that you submit an estimate to the Plan Administrator for confirmation prior to the purchase. Breast prosthesis are covered up to $150 in any five-five year period Artificial limbs, eyes, back and neck braces are covered up to $750 per appliance, per lifetime Hearing Aids are covered up to $500 every five years Support Hose and And Surgical Stockings are covered up to a maximum of 2 pairs per calendar year. To be eligible elastic support stockings must be recommended by a licensed doctor (M.D.) or podiatrist, provided they have a compression value of at least 20 to 30 mmHg pressure and are required to treat a diagnosed medical condition. Out-Of-Hospital nursing are covered at 80%, for private duty nursing care to a maximum of $25,000 every three years, by a registered nurse (R.N.) who: - is not a member of your family; and. - does not normally live in your home; when ordered by a licensed doctor (M.D.) as medically necessary for a disability that requires the specialised training of an R.N. Vision Care Benefits are covered for contact lenses, or for lenses and frames for eyeglasses, and their replacement, provided there is an actual need for a change in their magnifying strength. Sunglasses or safety glasses of any kind are excluded. Supplies must be prescribed, in writing, by an ophthalmologist or licensed optometrist and must be dispensed by a licensed optometrist or qualified optician. The maximum amount payable in any 12-12 month period is $300 200 for persons age 18 and under, or $300 200 in any 24-24 month period for persons over age 18. Charges for corrective contact lenses are covered only if vision can be improved to at least the 20/40 level, to a maximum of $300 200 per lifetime. Eye examinations are covered for individuals over age 20, but younger than age 65, up to a maximum of $80 every 24 months. EMERGENCY OUT OF COUNTRY MEDICAL COVERAGE: 100% for emergency medical, doctor’s fees, hospital charges etc. over and above OHIP. There is a $5,000,000 lifetime maximum for each covered person. Trips are limited to a maximum of sixty (60) consecutive days. This coverage terminates at age 80. The coverage is outlined in the policy. DENTAL BENEFITS: Covered Dental benefits are subject to the maximums provided in the current year’s Ontario Dental Association (ODA) suggested fee guide. Coverage terminates at retirement. Percentage Payable Basic Dental Services are covered at 100% Major Dental Services are covered at 50% Orthodontic Services are covered at 50% Benefit Maximum Basic and Major Services – A combined maximum of $2,000 per calendar year. Orthodontic Services - $2,500 per lifetime per dependent child. Covered Charges Covered charges are those for needed dental care, services or supplies, as described below and received while the Member is covered, for either a disease or injury that is non-occupational. The following services or supplies are covered subject to benefit maximums: Basic Dental Services - Oral exams, including scaling and cleaning of teeth, but not more than once every 6 months; - Periodontal scaling and/or root planning (limited to 10 units per year for all procedures combined); - Occlusal adjustments/equilibration (limited to 8 units per year); - Topical applications of sodium or stannous fluoride (once per 6 months); - Dental x-rays, except that bite-wing x-rays (once per 6 months); - Fillings; - Extractions; - Oral surgery, including excision of impacted wisdom teeth; - Antibiotic drug injections; - Anaesthesia and its administration in connection with oral surgery or other covered dental services; - Space maintainers, including stainless steel crowns for primary teeth that have several cavities which would otherwise require fillings or which are non-restorable using normal restorative dental material; - Repair, relining or rebasing of dentures; - Repair, resurfacing or recementing of crowns, inlays, on lays onlays or bridges; - Periodontic treatment for disease of the bone and gums of the mouth, including tissue grafts and occlusal guards, but not athletic guards; - Endodontic treatment, including root canal therapy. Major Dental Services - Dentures: - First installation, including adjustments of partial, permanent or full temporary or permanent removable dentures to replace 1 or more natural teeth extracted while the person is insured; - Denture adjustments that occur more than three months after installation; - Replacement of an existing partial or full removable denturedentures, if it; •  was installed at least five years before and cannot be made serviceable; or •  is a temporary full denture which replaces one or more natural teeth extracted while the person is covered and for which replacement by a permanent denture is required and takes place within one year from the date the temporary denture was installed; and •  addition of teeth to an existing partial denture, if required to replace one or more natural teeth extracted while the person is covered. Major Dental Services - Crowns and Bridgework - Inlays, on laysonlays, gold fillings and crowns; - First installation of fixed bridgework, including crowns to form abutments, to replace one or more natural teeth extracted while the person was insured. - Replacement of existing bridgework, but only if it was installed at least five years before and cannot be made serviceable; and - Addition of teeth to an existing fixed bridgework, if required to replace one or more natural teeth extracted while the person is covered. Orthodontics (Dependent Children Only) - Diagnostic procedures, including models - Therapy and appliances; and - Correction or malocclusion

No CPP Offsets. The maximum income from all sources during disability will not exceed 85% of the pre-pre- disability gross monthly earnings. The benefit payable is taxable upon receipt. Elimination Period – Payment of benefits will begin after being Totally Disabled for 26 weeks or after the Weekly Disability Benefit period, if longer. Definition of Total Disability – During the Elimination Period and the first 24 months following the Elimination Period: The Member is not able to perform the essential duties of his or her own occupation and earn at least 80% of his or her indexed pre-disability gross monthly earnings* due to an illness or injury. Thereafter: The Member is not able to perform the essential duties of his or her own occupation or any occupation for which he or she is or could become reasonably qualified by training, education, and experience and earn at least 70% of his or her indexed pre- pre-disability gross monthly earnings* due to the same illness or injury. Maximum Benefit Period – Payments will terminate upon the earliest of the member’s 65th birthday, retirement, or recovery. EXTENDED HEALTH CARE PLAN: Eligible expenses are covered at 100% to an annual maximum of $25,000 and a lifetime maximum of $1,000,000 per covered person. Eligible expenses include the usual major medical supplies and appliances not covered by the Provincial Health Insurance Plan or any other government plan, including WSIB. THERE IS NO COVERAGE FOR SEMI-PRIVATE HOSPITALIZATION IN CANADA. Prescription Drug Plan: Eligible prescription drugs are covered at 100%. Eligible drugs include serums, vaccines, and insulin including needles and syringes. Such drugs and medicines must be obtainable only by prescription from a person entitled by law to prescribe them and must be dispensed by a licensed pharmacist, physician, or other health care practitioner as authorized by provincial legislation. The dispensing fee portion of the cost of an eligible drug is reimbursed to a maximum of $8.00 per prescription. A maximum of one dispensing fee of $8.00 is payable for every 90-90 day supply of maintenance medications. The Teamsters Managed Health Care Drug Network includes over 400 pharmacies with a maximum dispensing fee of $8.00. Benefits include a pay direct Drug Card for the Managed Health Care Drug Plan. This pay direct drug card will enable you and your dependents to have your eligible expenses processed by the pharmacist with little or no out-of- of-pocket expenses to you. Pharmacy Listing – You have the choice of purchasing your drugs anywhere. However, in order to assist you in choosing a lower cost pharmacy, a list of pharmacies and their current dispensing fees is available. Simply go to xxx.xxxxxxxxxxxxx.xxx, then click on Managed Health Care, choose your province, then your city, and you will find the names and addresses of the pharmacies in your city along with the maximum, minimum and average level of their dispensing fees. This list is updated on a quarterly basis and is also available by contacting the Plan Administrator’s Contact Centre. Health Practitioners are covered, including x-ray charges, by any of the following practitioners who are registered and legally practising within the scope of their professions, up to the following maximums: - a chiropractor, osteopath, naturopath, podiatrist/chiropodist, acupuncturist, registered clinical psychologist, physiotherapist, registered massage therapist orthophonist/speech therapist up to a maximum of $1,000 per calendar year per family, for all practitioners combined. No amount will be paid for any visit for which any amount is payable under the insured person's Provincial Health Insurance Plan. Orthopaedic shoes/orthotics are covered up to $200 per shoe or up to a maximum of $400 per calendar year. To be covered under the plan, orthopedic shoes and orthotics must be recommended by a licensed doctor (M.D.), podiatrist, or chiropodist. They must be custom made and specifically designed and molded for the covered person, dispensed by a certified podiatrist, chiropodist, pedorthist or orthotist, and required to correct a diagnosed physical impairment. Recommendation must include the diagnosis, symptoms and chief complaints. No benefit will be provided if the orthopedic shoes or orthotics are prescribed or dispensed by a practitioner other than those listed above. Important Note: To avoid misinterpretation of what is eligible and what may or may not qualify as a covered expense, it is strongly recommended that you submit an estimate to the Plan Administrator for confirmation prior to the purchase. Breast prosthesis are covered up to $150 in any five-five year period Artificial limbs, eyes, back and neck braces are covered up to $750 per appliance, per lifetime Hearing Aids are covered up to $500 every five years Support Hose and And Surgical Stockings are covered up to a maximum of 2 pairs per calendar year. To be eligible elastic support stockings must be recommended by a licensed doctor (M.D.) or podiatrist, provided they have a compression value of at least 20 to 30 mmHg pressure and are required to treat a diagnosed medical condition. Out-Of-Hospital nursing are covered at 80%, for private duty nursing care to a maximum of $25,000 every three years, by a registered nurse (R.N.) who: - is not a member of your family; and. - does not normally live in your home; when ordered by a licensed doctor (M.D.) as medically necessary for a disability that requires the specialised training of an R.N. Vision Care Benefits are covered for contact lenses, or for lenses and frames for eyeglasses, and their replacement, provided there is an actual need for a change in their magnifying strength. Sunglasses or safety glasses of any kind are excluded. Supplies must be prescribed, in writing, by an ophthalmologist or licensed optometrist and must be dispensed by a licensed optometrist or qualified optician. The maximum amount payable in any 12-12 month period is $300 200 for persons age 18 and under, or $300 200 in any 24-24 month period for persons over age 18. Charges for corrective contact lenses are covered only if vision can be improved to at least the 20/40 level, to a maximum of $300 200 per lifetime. Eye examinations are covered for individuals over age 20, but younger than age 65, up to a maximum of $80 every 24 months. EMERGENCY OUT OF COUNTRY MEDICAL COVERAGE: 100% for emergency medical, doctor’s fees, hospital charges etc. over and above OHIP. There is a $5,000,000 lifetime maximum for each covered person. Trips are limited to a maximum of sixty (60) consecutive days. This coverage terminates at age 80. The coverage is outlined in the policy. DENTAL BENEFITS: Covered Dental benefits are subject to the maximums provided in the current year’s Ontario Dental Association (ODA) suggested fee guide. Coverage terminates at retirement. Percentage Payable Basic Dental Services are covered at 100% Major Dental Services are covered at 50% Orthodontic Services are covered at 50% Benefit Maximum Basic and Major Services – A combined maximum of $2,000 per calendar year. Orthodontic Services - $2,500 per lifetime per dependent child. Covered Charges Covered charges are those for needed dental care, services or supplies, as described below and received while the Member is covered, for either a disease or injury that is non-occupational. The following services or supplies are covered subject to benefit maximums: Basic Dental Services - Oral exams, including scaling and cleaning of teeth, but not more than once every 6 months; - Periodontal scaling and/or root planning (limited to 10 units per year for all procedures combined); - Occlusal adjustments/equilibration (limited to 8 units per year); - Topical applications of sodium or stannous fluoride (once per 6 months); - Dental x-rays, except that bite-wing x-rays (once per 6 months); - Fillings; - Extractions; - Oral surgery, including excision of impacted wisdom teeth; - Antibiotic drug injections; - Anaesthesia and its administration in connection with oral surgery or other covered dental services; - Space maintainers, including stainless steel crowns for primary teeth that have several cavities which would otherwise require fillings or which are non-restorable using normal restorative dental material; - Repair, relining or rebasing of dentures; - Repair, resurfacing or recementing of crowns, inlays, on lays onlays or bridges; - Periodontic treatment for disease of the bone and gums of the mouth, including tissue grafts and occlusal guards, but not athletic guards; - Endodontic treatment, including root canal therapy. Major Dental Services - Dentures: - First installation, including adjustments of partial, permanent or full temporary or permanent removable dentures to replace 1 or more natural teeth extracted while the person is insured; - Denture adjustments that occur more than three months after installation; - Replacement of an existing partial or full removable denturedentures, if it; • was installed at least five years before and cannot be made serviceable; or • is a temporary full denture which replaces one or more natural teeth extracted while the person is covered and for which replacement by a permanent denture is required and takes place within one year from the date the temporary denture was installed; and • addition of teeth to an existing partial denture, if required to replace one or more natural teeth extracted while the person is covered. Major Dental Services - Crowns and Bridgework - Inlays, on laysonlays, gold fillings and crowns; - First installation of fixed bridgework, including crowns to form abutments, to replace one or more natural teeth extracted while the person was insured. - Replacement of existing bridgework, but only if it was installed at least five years before and cannot be made serviceable; and - Addition of teeth to an existing fixed bridgework, if required to replace one or more natural teeth extracted while the person is covered. Orthodontics (Dependent Children Only) - Diagnostic procedures, including models - Therapy and appliances; and - Correction or malocclusion