Common use of Eligible Expenses Clause in Contracts

Eligible Expenses. The Post Foods Canada Health Care Plan reimburses a percentage of the eligible expenses, provided these expenses are reasonable and customary, and that they are medically necessary and prescribed by a physician. Reimbursement is subject to a lifetime maximum of $250,000 per insured person. In addition, up to $1,000.00 of this maximum will be reinstated each January 1. The actual amount will be based on the amount of benefits you had received from the plan in the previous calendar year. Hospital Expenses For licensed hospital and convalescent care facilities, the plan covers: Hospital: 100% of the difference in cost between xxxx and semi-private or private room up to $55 per day and 80% of the excess over $55. Convalescent Care: 100% of the cost of semi-private accommodation up to $55 per day and 80% of the excess over $55. Hospitalization outside Canada is reimbursed at 100% of emergency treatment of an illness or accident occurring while traveling outside the country. If you are hospitalized outside Canada for a medically necessary treatment not available in Canada and for which there is no alternate treatment available in Canada, medical expenses that exceed the allowance paid by any provincial government plan are reimbursed based on reasonable and customary charges. No deductible applies to hospital expense. Medical Expenses The plan reimburses 100% of the following eligible medical expenses: Drugs and medicines which require a prescription by law to be obtained. Reasonable and customary charges for emergency treatment of an illness or accident occurring while traveling outside Canada. Emergency travel assistance expenses (see leaflet entitled “Emergency Travel Assistance” for full details.) The plan also reimburses 80% of the following: Private-duty nursing. Services must be recommended by a physician and rendered by a registered nurse who is not a relative and does not ordinarily reside in your home. There is a maximum reimbursement of $10,000 every thirty-six (36) months. Charges for room and board in a licensed chronic care facility up to a maximum reimbursement of $10 per day for a period of 120 days per calendar year. Charges for the use of a licensed ambulance for local transportation to and from the nearest hospital. Emergency transportation by airline to and from the nearest hospital within your province of residence which is equipped to provide the required medical services is also eligible, subject to a maximum equal to an economy airfare. Paramedical services by a licensed physiotherapist, psychologist, osteopath, podiatrist, chiropractor, naturopath or speech therapist, up to a maximum reimbursement of $300 per practitioner each calendar year. In addition, covered expenses include the cost of one X-ray per practitioner each calendar year. To be considered eligible expenses, the services provided must be within the scope of the license held by the practitioner. Laboratory tests and X-rays for diagnosis not covered by any government plan. Prescription contact lenses, eyeglasses and laser correction surgery up to a maximum reimbursement of $300 (including the cost of eye exam) per person every twenty-four (24) months. This reimbursement applies for either contact lenses or eyeglasses but not both. Dental services required to repair natural teeth damaged as a result of an accident, up to $5,000, provided the repairs commence within three months of the accident. Hearing aids up to a maximum reimbursement of $300 per person every thirty-six (36) months. Charges for: Rental or purchase of braces and crutches, and purchases of prostheses required for therapeutic use. Rental or purchase of a wheelchair, hospital bed, or oxygen equipment required for therapeutic purposes. Orthopedic shoes and orthotics prescribed by a licensed physician and required to correct a diagnosed physical impairment. Once the first expense has been paid for by the plan, the cost of replacement will only be covered if it is required as a result of pathological change. Blood sugar monitoring devices for insulin dependent diabetics, when prescribed by a physician, up to a lifetime maximum reimbursement of $200.

Eligible Expenses. The Post Foods Kraft Canada Inc. Health Care Plan reimburses a percentage of the eligible expenses, provided these expenses are reasonable and customary, and that they are medically necessary and prescribed by a physician. Reimbursement is subject to a lifetime maximum of $250,000 per insured person. In addition, up to $1,000.00 of this maximum will be reinstated each January 1. The actual amount will be based on the amount of benefits you had received from the plan in the previous calendar year. Hospital Expenses For licensed hospital and convalescent care facilities, the plan covers: Hospital: 100% of the difference in cost between xxxx and semi-private or private room up to $55 per day and 80% of the excess over $55. Convalescent Care: 100% of the cost of semi-private accommodation up to $55 per day and 80% of the excess over $55. Hospitalization outside Canada is reimbursed at 100% of emergency treatment of an illness or accident occurring while traveling outside the country. If you are hospitalized outside Canada for a medically necessary treatment not available in Canada and for which there is no alternate treatment available in Canada, medical expenses that exceed the allowance paid by any provincial government plan are reimbursed based on reasonable and customary charges. No deductible applies to hospital expense. Medical Expenses The plan reimburses 100% of the following eligible medical expenses: Drugs and medicines which require a prescription by law to be obtained. Reasonable and customary charges for emergency treatment of an illness or accident occurring while traveling outside Canada. Emergency travel assistance expenses (see leaflet entitled “Emergency Travel Assistance” for full details.) The plan also reimburses 80% of the following: Private-duty nursing. Services must be recommended by a physician and rendered by a registered nurse who is not a relative and does not ordinarily reside in your home. There is a maximum reimbursement of $10,000 every thirty-six (36) months. Charges for room and board in a licensed chronic care facility up to a maximum reimbursement of $10 per day for a period of 120 days per calendar year. Charges for the use of a licensed ambulance for local transportation to and from the nearest hospital. Emergency transportation by airline to and from the nearest hospital within your province of residence which is equipped to provide the required medical services is also eligible, subject to a maximum equal to an economy airfare. Paramedical services by a licensed physiotherapist, psychologist, osteopath, podiatrist, chiropractor, naturopath or speech therapist, up to a maximum reimbursement of $300 per practitioner each calendar year. In addition, covered expenses include the cost of one X-ray per practitioner each calendar year. To be considered eligible expenses, the services provided must be within the scope of the license held by the practitioner. Laboratory tests and X-rays for diagnosis not covered by any government plan. Prescription contact lenses, eyeglasses and laser correction surgery up to a maximum reimbursement of $300 (including the cost of eye exam) 200 per person every twenty-four (24) months. This reimbursement applies for either contact lenses or eyeglasses but not both. Dental services required to repair natural teeth damaged as a result of an accident, up to $5,000, provided the repairs commence within three months of the accident. Hearing aids up to a maximum reimbursement of $300 per person every thirty-six (36) months. Charges for: Rental or purchase of braces and crutches, and purchases of prostheses required for therapeutic use. Rental or purchase of a wheelchair, hospital bed, or oxygen equipment required for therapeutic purposes. Orthopedic shoes and orthotics prescribed by a licensed physician and required to correct a diagnosed physical impairment. Once the first expense has been paid for by the plan, the cost of replacement will only be covered if it is required as a result of pathological change. Blood sugar monitoring devices for insulin dependent diabetics, when prescribed by a physician, up to a lifetime maximum reimbursement of $200.

Eligible Expenses. The Post Foods Kraft Canada Inc. Health Care Plan plan reimburses a percentage of the eligible expenses, provided these expenses are reasonable and customary, and that they are medically necessary and prescribed by a physician. Reimbursement is subject to a lifetime maximum of $250,000 per insured person. In addition, up to $1,000.00 1,000 of this maximum will be reinstated each January 1. The actual amount will be based on the amount of benefits you had received from the plan in the previous calendar year. Hospital Expenses For licensed hospital and convalescent care facilities, the plan covers: Hospital: Hospital:- 100% of the difference in cost between xxxx and semi-private or private room up to $55 per day and 80% of the excess over $55. Convalescent Care: 100% of the cost of semi-private accommodation up to $55 per Care - day and 80% of the excess over $55. Hospitalization outside Canada is reimbursed at 100% of for emergency treatment of an illness or accident occurring while traveling outside the country. If you are hospitalized outside Canada for a medically necessary treatment not available in Canada and for which there is no alternate treatment available in Canada, medical expenses that exceed the allowance paid by any provincial government plan are reimbursed based on reasonable and customary charges. No deductible applies to hospital expense. Medical Expenses The plan reimburses 100% of the following eligible medical expenses: Drugs and medicines which require a prescription by law to be obtained. Reasonable and customary charges for emergency treatment of an illness or accident occurring while traveling outside Canada. Emergency travel assistance expenses (see leaflet entitled “Emergency Travel Assistance” for full details.) The plan also reimburses 80% of the following: Private-duty nursing. Services must be recommended by a physician and rendered by a registered nurse who is not a relative and does not ordinarily reside in your home. There is a maximum reimbursement of $10,000 every thirty-six (36) 36 months. Charges for room and board in a licensed chronic care facility up to a maximum reimbursement of $10 per day for a period of 120 days per calendar year. Charges for the use of a licensed ambulance for local transportation to and from the nearest hospital. Emergency transportation by airline to and from the nearest hospital within your province of residence which is equipped to provide the required medical services is also eligible, subject to a maximum equal to an economy airfare. Paramedical services by a licensed physiotherapist, psychologist, osteopath, podiatrist, chiropractor, naturopath or speech therapist, up to a maximum reimbursement of $300 per practitioner each calendar year. In addition, covered expenses include the cost of one X-ray per practitioner each calendar year. To be considered eligible expenses, the services provided must be within the scope of the license held by the practitioner. Laboratory tests and X-rays for diagnosis not covered by any government plan. Prescription contact lenses, lenses or eyeglasses and laser correction surgery up to a maximum reimbursement of $300 (including the cost of eye exam) 150 per person every twenty-four (24) 24 months. This reimbursement applies for either contact lenses or eyeglasses but not both. Dental services required to repair natural teeth damaged as a result of an accident, up to $5,000, provided the repairs commence within three months of the accident. Hearing aids up to a maximum reimbursement of $300 per person every thirty-six (36) 36 months. Charges for: Rental or purchase of braces and crutches, and purchases purchase of prostheses required for therapeutic use. Rental or purchase of a wheelchair, hospital bed, or oxygen equipment required for therapeutic purposes. Orthopedic shoes and orthotics prescribed by a licensed physician and required to correct a diagnosed physical impairment. Once the first expense has been paid for by the plan, the cost of replacement will only be covered if it is required as a result of pathological change. Blood sugar monitoring devices for insulin dependent diabetics, when prescribed by a physician, up to a lifetime maximum reimbursement of $200. Coordination of Benefits Limitation of Benefit Amount This provision is applicable to all benefits payable under this plan. Where the total benefits under this plan and other group plans would exceed costs incurred for covered expenses, reimbursement from all plans shall be limited to incurred expenses according to the following order of benefit determination: − Benefits shall be payable first from another group which does not have a provision to coordinate benefits, then subsequently in accordance with the rules of this and other group plans which do have coordination of benefits. − Coordination of benefits with other plans excluding Kraft Canada Inc. benefit plans: − a person covered as an employee under another group plan must claim first under their group plan, and then as a dependent of an eligible employee under the Kraft Canada Inc. plan. − eligible dependent children must be claimed first under the plan of the employee whose birthday occurs earlier in the calendar year, and then by the employee covered by a plan. If priority cannot be established under the above two points, the benefits shall be paid under both plans in a ratio proportionate to the amounts that would have been paid under each plan had there been coverage under just that plan.

Eligible Expenses. The Post Foods Canada Health Care Plan reimburses a percentage of the eligible expenses, provided these expenses are reasonable and customary, and that they are medically necessary and prescribed by a physician. Reimbursement is subject to a lifetime maximum of $250,000 per 300,000per insured person. In addition, up to $1,000.00 of this maximum will be reinstated each January 1. The actual amount will be based on the amount of benefits you had received from the plan in the previous calendar year. Hospital Expenses For licensed hospital and convalescent care facilities, the plan covers: Hospital: 100% of the difference in cost between xxxx and semi-private or private room up to $55 per day and 80% of the excess over $55. Convalescent Care: 100% of the cost of semi-private accommodation up to $55 per day and 80% of the excess over $55. Hospitalization outside Canada is reimbursed at 100% of emergency treatment of an illness or accident occurring while traveling outside the country. If you are hospitalized outside Canada for a medically necessary treatment not available in Canada and for which there is no alternate treatment available in Canada, medical expenses that exceed the allowance paid by any provincial government plan are reimbursed based on reasonable and customary charges. No deductible applies to hospital expense. Medical Expenses The plan reimburses 100% of the following eligible medical expenses: Drugs and medicines which require a prescription by law to be obtained. Reasonable and customary charges for emergency treatment of an illness or accident occurring while traveling outside Canada. Emergency travel assistance expenses (see leaflet entitled “Emergency Travel Assistance” for full details.) The plan also reimburses 80% of the following: Private-duty nursing. Services must be recommended by a physician and rendered by a registered nurse who is not a relative and does not ordinarily reside in your home. There is a maximum reimbursement of $10,000 every thirty-six (36) months. Charges for room and board in a licensed chronic care facility up to a maximum reimbursement of $10 per day for a period of 120 days per calendar year. Charges for the use of a licensed ambulance for local transportation to and from the nearest hospital. Emergency transportation by airline to and from the nearest hospital within your province of residence which is equipped to provide the required medical services is also eligible, subject to a maximum equal to an economy airfare. Paramedical services by a licensed physiotherapist, psychologist, osteopath, podiatrist, chiropractor, massage therapy, naturopath or speech therapist, up to a maximum reimbursement of $300 per 500per practitioner each calendar yearyear (hearing and vision are not included in paramedical coverage). In addition, covered expenses include the cost of one X-ray per practitioner each calendar year. To be considered eligible expenses, the services provided must be within the scope of the license held by the practitioner. In addition the company will cover up to $1,000 for psychologist and or psychiatrist expenses. Laboratory tests and X-rays for diagnosis not covered by any government plan. Prescription contact lenses, eyeglasses and laser correction surgery up to a maximum reimbursement of $300 (including the cost of eye exam) per person every twenty-four (24) months. This reimbursement applies for either contact lenses or eyeglasses but not both. Dental services required to repair natural teeth damaged as a result of an accident, up to $5,000, provided the repairs commence within three months of the accident. Hearing aids up to a maximum reimbursement of $300 per person every thirty-six (36) months. Charges for: Rental or purchase of braces and crutches, and purchases of prostheses required for therapeutic use. Rental or purchase of a wheelchair, hospital bed, or oxygen equipment required for therapeutic purposes. Orthopedic shoes and orthotics prescribed by a licensed physician and required to correct a diagnosed physical impairment. Once the first expense has been paid for by the plan, the cost of replacement will only be covered if it is required as a result of pathological change. Blood sugar monitoring devices Flash Glucose Monitors (“FGM”) including their supplies (sensors, transmitters) - $75 per claim for insulin the monitor, to a maximum of $2,500 per year for the monitor, plus all supplies. Continuous Glucose Monitors (“CGM”) including their supplies - $4,500 per year. Coordination of Benefits Limitation of Benefit Amount This provision is applicable to all benefits payable under this plan. Where the total benefits under this plan and other group plans would exceed costs incurred for covered expenses, reimbursement from all plans shall be limited to incurred expenses according to the following order of benefit determination: - Benefits shall be payable first from another group which does not have a provision to coordinate benefits, then subsequently in accordance with the rules of this and other group plans which do have coordination of benefits. - Coordination of benefits with other plans excluding Post Foods Canada benefit plans: - a person covered as an employee under another group plan must claim first under their group plan, and then as a dependent diabeticsof an eligible employee under the Post Foods Canada plan. - eligible dependent children must be claimed first under the plan of the employee whose birthday occurs earlier in the calendar year, when prescribed and then by the employee covered by a physicianplan. If priority cannot be established under the above two points, up the benefits shall be paid under both plans in a ratio proportionate to a lifetime maximum reimbursement of $200the amounts that would have been paid under each plan had there been coverage under just that plan.