Common use of Survivor Benefit Clause in Contracts

Survivor Benefit. Termination Age *For full plan, please refer to your benefit booklet. No Deductible Current fee guide for general practitioners in the province where the expenses were incurred Basic Dental Care 80% • Diagnostic Services • Preventive Dental Care Examinations and Diagnoses -recall or periodic oral examination: twice per calendar y ear -complete oral examination: once every 24 months -complete periodontal examination: once every 24 months Preventive Services -polishing of coronal portion of teeth - 2 units per calendar year -scaling and root planing - 12 units of time per calendar year -topical application of fluoride- twice per calendar year Routine Dental Care 80% • Minor Restorative Services • Endodontics • Periodontics • Rebase, Reline, Adjustment and Repair of Removable Dentures • Repair of Fixed Bridges and Crowns • Oral Surgery • Additional Services Dental Restorative Services 50% • Major Restorative Services and Fixed Prosthodontics • Removable Dentures • Fixed Bridges Orthodontic Care Not included Basic Dental Care, Routine Dental Care and Dental Restorative Services • combined maximum of $1,500 per insured per calendar year General Benefit Provisions Limited to the normal rate suggested for general practitioners, plus 20% Dependent children are eligible from birth to: • age 22, or • age 26 if in full time attendance as a student at a recognized educational institute If an employee dies while insured, insurance will continue for his or her dependents who were covered under this benefit at the time of the employee's death  without premium payment  until the earliest of the following dates:  24 months from the date of the employee's death  the date when insurance for the dependents would have terminated if the employee's death had not occurred  the date when the dependents become eligible for similar coverage under another insurance contract;  the date the contract terminates An employee's insurance terminates at age 75 or earlier retirement LETTER OF UNDERSTANDING #1

Survivor Benefit. Termination Age *For full planDependent coverage continues for twenty-four (24) months without premiums after an employee’s death. EMPLOYEE LIFE Amount of coverage $15,000 Coverage reduced By 50% at age 65 Coverage ends When employee retires or reaches age 70, please refer whichever is earlier Conversion Maximum - $200,000 or higher if required due to your Provincial Legislation Waiver premium Automatic approval when LTD approved by (Sun Life); otherwise, any occupation and six (6) month elimination period applies ACCIDENTAL DEATH and DISMEMBERMENT Amount of coverage Equal to Employee Life coverage Dismemberment from 25% to 200% of insured depending on loss Additional coverage Repatriation & Rehabilitation – maximum - $10,000 each Spouse Occupational Training, Child Education & Family Transportation - maximum $5,000 each Conversion Maximum - $200,000, or higher if required due to Provincial Legislation, only available with Life Conversion Waiver of Premium Automatic approval when Employee Life waiver of Premium approved Exclusions Accidents caused by self-inflicted injuries, drug overdose, Carbon monoxide inhalation, suicide, flying unless solely as a passenger, parachuting, criminal offences, Civil commotions, riots, insurrections or through the Armed Forces Common accident $3,000,000 aggregate liability from all AD & D losses on The Plan SHORT – TERM DISABILITY Amount of coverage 70% of weekly basic earnings, Maximum benefit booklet. No -$800 Payments begin Accident – 1st day of total disability Illness – 8th day of uninterrupted total disability Payment basis Calendar days – 1/7th Definition of total disability The employee’s own occupation Offsets – Direct Motor vehicle insurance, other group plans, salary Continuance All source maximum – 85% Recurrent disability Two (2) weeks Rehabilitation 100% all source maximum benefit period Maximum benefit period Seventeen (17) weeks Payment frequency Weekly Tax status Taxable benefit Coverage ends When employee retires or reaches 70, whichever is earlier Exclusions Self-inflicted injuries, attempted suicide, criminal offences, riots, insurrections, civil commotions, hostile actions of any armed forces, imprisonment or if benefits are payable under any Worker’s Compensation Act or similar legislation LONG - TERM DISABILITY Amount of coverage 66.67% of monthly basic earnings Maximum benefit - $2,000 Payments begin After a four (4) month elimination period of total disability Maximum benefit period Two (2) years or when the employee reaches age 65, whichever is earlier Payment basis Calendar days – 1/30th Definition of total disability First 2 years – the employee’s own occupation Afterwards – any occupation Partial disability Own occupation period; 100% all source Recurrent disabilities Six (6) months Rehabilitation 100% all source maximum Offsets Direct – the gross amount of: Employee CPP/QPP, WSIB/CSST, motor vehicle insurance, other group plans, Association plans employer funded retirement plan And any other government plan Indirect – Criminal injuries Compensation Act All source maximum – 85% Survivor benefit Three (3) times the employee’s last monthly Long – Term Disability payment Exclusions Disabilities caused by self-inflicted injuries, attempted suicide, criminal offences, riots, insurrections, Civil commotions, hostile actions of any armed forces or when imprisoned Pre – existing condition Thirteen (13) weeks if treatment free, otherwise 12 months Tax status Taxable benefit Coverage ends When employee retires or reaches age 65, whichever is earlier EXTENDED HEALTH CARE Benefit year equals Calendar year Deductible Current per benefit year Individual - $25 / Family - $50 Does not apply to in-province-hospital, drugs and vision care Reimbursement level In-province hospital 100% - semi-private hospital room Convalescent hospital - $20 per day for a maximum of 180 days Prescription drugs 80% - drug card plan 64 Positive enrolment – claims paid only for enrolled Dependants, maximum $10,000 per person each benefit year Includes: Fertility drugs – lifetime maximum $2,400 Over the counter vaccines Excludes: Smoking cessation products Over-the-counter drugs Sexual dysfunction drugs Out-of-province expenses Emergency services – 100% Referred services – 80% Subject to a 60 day limit per trip Expenses incurred for emergency services outside of Canada are subject to a lifetime maximum of $3,000,000 Per person or, if lower, the plan lifetime maximum as specified below Medical services & equipment 80% Private duty nurse – maximum $25,000 over three (3) benefit years Hearing aids – maximum $500 over five (5) benefit years Ambulance services, emergency dental services, some laboratory tests, diabetic supplies, oxygen and specific medical supplies and equipment Orthotic inserts – maximum $300 per benefit year Orthopaedic shoes – maximum $500 per benefit year Glucometers – lifetime maximum $700 Eye exams – one (1) over two (2) benefit years, per visit maximum - reasonable and customary Paramedical services 80% - maximum of $300 per benefit year for each specialty Per visit limit – reasonable and customary Includes: Physiotherapist, osteopath, podiatrist/chiropodist, chiropractor, speech therapist, acupuncturist, naturopath, audiologist, dietician, occupational therapist, psychologist/social worker and massage therapist Vision care 100% - maximum of $200 in any twelve (12) month period for a person under age 18 or in any twenty-four (24) month period for any other person Eyeglasses, contact lenses or laser eye correction surgery Lifetime maximum Unlimited Emergency Travel Assistance Sixty (60) days per trip travel limitation Total disability coverage Maximum of ninety (90) days after coverage ends Conversion Included Coverage ends When employee retires or reaches age 75, whichever is earlier DENTAL Benefit year equals Calendar year Plan design Multident plus Recall frequency – six (6) months Composite white fillings – all teeth Peridontal scaling – 10 units Fluoride – all insureds Deductible None Reimbursement level Preventive procedures 100% - Exams, x-rays, lab tests, cleanings, scaling, fluoride, disking (under age 19), oral hygiene instruction and space maintainers Basic procedures 100% - fillings, extractions, pit and fissure sealants (under age 19), root canals, local anesthesia, gum Surgery and repairs, relining and rebasing of dentures Major procedures 50% - Crowns, veneers, fixed bridges, dentures, inlays, onlays and gold foil restorations Missing tooth limitation – applies Benefit year maximum Preventive, Basic and Major procedures - $3,000 per person Lifetime maximum TMJ - $1,000 per person Fee guide The fee guide for general practitioners in the employee’s province where the expenses were incurred Basic Dental Care 80% • Diagnostic Services • Preventive Dental Care Examinations and Diagnoses -recall of residence Adjudication basis Least expensive alternative procedure Coverage ends When employee retires or periodic oral examination: twice per calendar y ear -complete oral examination: once every 24 months -complete periodontal examination: once every 24 months Preventive Services -polishing of coronal portion of teeth - 2 units per calendar year -scaling and root planing - 12 units of time per calendar year -topical application of fluoride- twice per calendar year Routine Dental Care 80% • Minor Restorative Services • Endodontics • Periodontics • Rebasereaches age 75, Reline, Adjustment and Repair of Removable Dentures • Repair of Fixed Bridges and Crowns • Oral Surgery • Additional Services Dental Restorative Services 50% • Major Restorative Services and Fixed Prosthodontics • Removable Dentures • Fixed Bridges Orthodontic Care Not included Basic Dental Care, Routine Dental Care and Dental Restorative Services • combined maximum of $1,500 per insured per calendar year General Benefit Provisions Limited to the normal rate suggested for general practitioners, plus 20% Dependent children are eligible from birth to: • age 22, or • age 26 if in full time attendance as a student at a recognized educational institute If an employee dies while insured, insurance will continue for his or her dependents who were covered under this benefit at the time of the employee's death  without premium payment  until the earliest of the following dates:  24 months from the date of the employee's death  the date when insurance for the dependents would have terminated if the employee's death had not occurred  the date when the dependents become eligible for similar coverage under another insurance contract;  the date the contract terminates An employee's insurance terminates at age 75 or whichever is earlier retirement LETTER OF UNDERSTANDING #11 BETWEEN: BC COMPUTERIZED DISPATCH COMPANY LIMITED AND: CANADIAN OFFICE AND PROFESSIONAL EMPLOYEES UNION LOCAL 378 The Employer will maintain, as required by WCB, a First-Aid Attendant who will be paid fifty cents (50¢) per hour premium. It is understood that the First-Aid Attendant who receives the fifty cents (50¢) per hour premium shall be awarded on the basis of seniority and will be paid to that employee only. This Letter of Understanding will remain in full force and effect from agreement to agreement unless amended by the collective bargaining. Signed at Vancouver, BC this 1st day of July , 2006. SIGNED ON BEHALF OF THE EMPLOYER SIGNED ON BEHALF OF THE UNION Party of the First Part; Party of the Second Part;

Survivor Benefit. Termination Age *For full plan, please refer to your benefit booklet. No Deductible Current fee guide for general practitioners in the province where the expenses were incurred Basic Dental Care 80% • Diagnostic Services • Preventive Dental Care Examinations and Diagnoses -recall or periodic oral examination: twice per calendar y ear -complete oral examination: once every 24 months -complete periodontal examination: once every 24 months Preventive Services -polishing of coronal portion of teeth - 2 units per calendar year -scaling and root planing - 12 units of time per calendar year -topical application of fluoride- twice per calendar year Routine Dental Care 80% • Minor Restorative Services • Endodontics • Periodontics • Rebase, Reline, Adjustment and Repair of Removable Dentures • Repair of Fixed Bridges and Crowns • Oral Surgery • Additional Services Dental Restorative Services 50% • Major Restorative Services and Fixed Prosthodontics • Removable Dentures • Fixed Bridges Orthodontic Care Not included Basic Dental Care, Routine Dental Care and Dental Restorative Services • combined maximum of $1,500 per insured per calendar year General Benefit Provisions Limited to the normal rate suggested for general practitioners, plus 20% Dependent children are eligible from birth to: • age 22, or • age 26 if in full time attendance as a student at a recognized educational institute If an employee dies while insured, insurance will continue for his or her dependents who were covered under this benefit at the time of the employee's death  • without premium payment  • until the earliest of the following dates:  • 24 months from the date of the employee's death  • the date when insurance for the dependents would have terminated if the employee's death had not occurred  • the date when the dependents become eligible for similar coverage under another insurance contract;  • the date the contract terminates An employee's insurance terminates at age 75 or earlier retirement LETTER OF UNDERSTANDING #1