Common use of Non-Occupational Accident and Sickness Insurance Clause in Contracts

Non-Occupational Accident and Sickness Insurance. The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit payment will not be made beyond age 65 and in all cases, will cease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-Occupational Accident and Sickness Insurance. The Welfare Plan welfare plan will include Nonnon-occupational Accident accident and Sickness Insurance sickness insurance that will provide a benefit of sixty- two percent (62%) of the employee’s regular job rate to the maximums in accordance with the Table. table "Weekly Indemnity benefits Benefits". Benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, sickness except that in those cases of non-non- occupational sickness which result results in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity weekly indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit Benefit payment will not be made beyond age 65 and in all cases, will cease on upon recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees undertakes to reimburse employees amend the appropriate section of the insurance coverage contract with respect to the duration of pregnancy coverage. The change will provide for coverage for medical complications to mother or unborn child during pregnancy to the extent that the present limit of fifteen (15) weeks coverage under the plan will be eliminated and the revision will provide for benefits to be paid for the costs of medical forms period up to but not including the ten (10) weeks before delivery and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.six

Non-Occupational Accident and Sickness Insurance. The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational nonoccupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit payment will not be made beyond age 65 and in all cases, will cease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-Occupational Accident and Sickness Insurance. The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits benefits will be payable beginning with the first first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits benefits will be payable beginning with the first first day of sickness. Benefits Benefits will be payable for a maximum of fifty-fifty- two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefitsbenefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit benefit payment will not be made beyond age 65 and in all cases, will cease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-Occupational Accident and Sickness Insurance. The Welfare Plan will include Non-occupational Occupational Accident and Sickness Insurance that will provide a benefit of sixty percent (60%) of the employee’s regular job rate to the maximums in the following table. Maximum Weekly Indemnity Benefits Payable Effective Date Benefit Maximum Date of Ratification $750.00 per week May 1, 2009 $800.00 per week May 1, 2010 $820.00 per week May 1, 2011 $845.00 per week NOTE: The increases effective May 1, 2010 and May 1, 2011 reflect the May 1, 2009 benefit being increased in accordance with the Tablegeneral wage increases effective on those dates. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non-occupational sickness sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits which begin prior to age 65 will be made directly from continue until the mill. Effective May 1, 1998, the Plan will provide benefits for loss employee has received at least fifteen (15) weeks of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit payment will not be made beyond age 65 and in all cases, will cease on recovery. Where or until the employee recovers an amount from a liable third party for loss of income as a result of the same accident is no longer disabled or illnessretires, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lostwhichever comes first. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriersWHERE THE EMPLOYEE RECOVERS AN AMOUNT FROM A LIABLE THIRD PARTY FOR LOSS OF INCOME AS A RESULT OF THE SAME ACCIDENT OR ILLNESS, THEY MUST REIMBURSE THE PLAN ONCE THEY RECEIVE 100% OF THEIR LOSS. This is agreed on the basis that the Company will be reimbursed by the carrierONE HUNDRED PERCENT (100%) OF THEIR LOSS INCLUDES GROSS WAGES LOST.

Non-Occupational Accident and Sickness Insurance. The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits benefits will be payable beginning with the first first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits benefits will be payable beginning with the first first day of sickness. Benefits Benefits will be payable for a maximum of fiftyfifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefitsbenefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit benefit payment will not be made beyond age 65 and in all cases, will cease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-Occupational Accident and Sickness Insurance. The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non-occupational sickness sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment The Welfare Plan will include Non-Occupational Accident and Sickness Insurance that will provide a benefit of sixty percent (60%) of the employee’s regular job rate to the maximums in the following table: Maximum Weekly Indemnity Benefits Payable Effective Date Benefit Maximum Date of ratification $750.00 per week May 1, 2009 $800.00 per week May 1, 2010 $820.00 per week May 1, 2011 $845.00 per week Note: The increases effective May 1, 2010 and May 1, 2011 reflect the May 1, 2009 benefit being increased in accordance with the general wage increases effective on those dates. 56 Weekly Indemnity benefits will be made directly from payable beginning with the mill. Effective May 1first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, 1998except that in those cases of non- occupational sickness, which results in the Plan will provide benefits for claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time as a result of attempted suicide under from work, the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period said Weekly Indemnity benefits will be required payable beginning with the first day of sickness. Benefits will be payable for serious illnesses a maximum of fifty-two (52) weeks during any one period of disability. Weekly Indemnity benefits which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This begin prior to age 65 will provide continue until the employee has received at least fifteen (15) weeks of benefits, after or until the initial waiting periodemployee is no longer disabled or retires, for any subsequent lost time. Effective May 1, 1998, benefit payment will not be made beyond age 65 and in all cases, will cease on recoverywhichever comes first. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan plan once they receive 100% of their lossgross wages lost. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second normal premium Last three months No premium 25% of normal premium Third three months 50% of Normal Premium Third normal premium Second three months 25% of Normal Premium Last three months No Premium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.months

Non-Occupational Accident and Sickness Insurance. The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, except that in those cases of non-occupational sickness which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-fifty- two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit payment will not be made beyond age 65 and in all cases, will cease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees to reimburse employees for the costs of medical forms and specialist reports when required by the WI and LTD carriers. This is agreed on the basis that the Company will be reimbursed by the carrier.

Non-Occupational Accident and Sickness Insurance. The Welfare Plan welfare plan will include Nonnon-occupational Accident accident and Sickness Insurance sickness insurance that will provide a benefit of sixty-two percent (62%) of the employee’s regular job rate to the maximums in accordance with the Table. table "Weekly Indemnity benefits Benefits". Benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non-occupational sickness, sickness except that in those cases of non-occupational sickness which result results in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity weekly indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Payment of Weekly Indemnity benefits will be made directly from the mill. Effective May 1, 1998, the Plan will provide benefits for loss of time as a result of attempted suicide under the Plan provisions covering other mental illnesses. Coverage also includes injury, disability arising from attempted suicide. Effective May 1, 1998, only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. Effective May 1, 1998, benefit Benefit payment will not be made beyond age 65 and in all cases, will cease on upon recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium The Company agrees undertakes to reimburse employees amend the appropriate section of the insurance coverage contract with respect to the duration of pregnancy coverage. The change will provide for coverage for medical complications to mother or unborn child during pregnancy to the extent that the present limit of fifteen (15) weeks coverage under the plan will be eliminated and the revision will provide for benefits to be paid for the costs period up to but not including the ten (10) weeks before delivery and the six (6) weeks after delivery, and for such periods beyond that time to a limit of fifty-two (52) weeks. In other words, the weekly indemnity plan will pay benefits for such medical forms and specialist reports when required by complications so that in combination with E.I. maternity benefits the WI and LTD carriers. This is agreed on the basis that the Company employee will be reimbursed by the carrierreceive fifty-two (52) weeks of total benefits, if required.