Common use of Group Insurance Clause in Contracts

Group Insurance. 18.01 The Employer shall provide a group insurance plan which shall provide coverage for permanent employees in the following areas: • Medical • Dental • Accidental Death and Dismemberment • Life Insurance • Long Term Disability • Critical Illness (a) Participation in the group insurance plan shall be mandatory for permanent employees except that any employees covered by an alternate plan can be exempted from the medical and dental coverage of this plan. (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan shall be subject to the terms and conditions set down by the Group Insurance carrier. 18.04 The Employer agrees to pay seventy-five (75%) percent of the premium cost of Medical and Dental Plans, Group Life Insurance Plan and the Accidental Death and Dismemberment Insurance Plan for employees who elect single/family coverage subject to the payment of the balance of the premiums by employees through pay deductions. 18.05 The premium costs of the Long-Term Disability plan and Critical Illness shall be paid totally by the employee participating. 18.06 Eligible Employees who retire shall have the option of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retirees. Retirees shall be required to pay the full cost of premiums for this coverage, with no share paid by the Employer. The Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coverage. 18.07 For the purposes of Article 18.06, an Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirement.

Group Insurance. 18.01 17.01 The Employer shall provide a will maintain its existing group insurance plan which shall provide coverage for permanent employees in the following areasbenefits program. The Core Group Benefits are: • Medical • Dental •  Basic Life Insurance  Basic Accidental Death & Dismemberment  Dependent Life Insurance  Short Term Disability (Weekly Indemnity)  Long Term Disability  Extended Health Care  Dental 17.02 The Optional Group Benefits are:  Optional Employee and/or Spousal Life Insurance  Optional Employee and/or Spousal Accidental Death and Dismemberment • Dismemberment 17.03 The Company will pay 100% of the premium for Basic Life Insurance • Insurance, Basic Accidental Death & Dismemberment, Dependent Life Insurance, Short Term Disability, Extended Health Care and Dental benefits. The Employee will pay the premium for Long Term Disability • Critical Illnessand any Optional Life Insurance or AD and D premiums. 17.04 The Company will make available to all employees a benefit handbook or benefit descriptions outlining qualifications, eligibility, limitations and entitlements. 17.05 It is understood that the Employer may at any time substitute another carrier for any Plan (aother than OHIP) Participation provided the insurance benefits conferred by this collective agreement are not in total decreased. Before making such a substitution, the Employer shall notify the Union to explain the proposed change and to discuss the transition. 17.06 The Company will, before the second anniversary of this agreement, meet with the union and discuss use of the Union‟s benefit plan and the Union‟s dental facilities. 17.07 The Employer does not act as the insurer in respect of these benefits, nor does the Employer bear any responsibility in the group insurance plan shall be mandatory for permanent employees except that any employees covered by event of a dispute between an alternate plan can be exempted from employee and the medical and dental coverage of this plan. (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan shall be subject to the terms and conditions set down by the Group Insurance carrier. 18.04 insurer. The Employer agrees to pay seventy-five (75%) percent will not act in bad faith when an employee makes a benefit claim and will not require that a carrier make any decision in a specific case. The Employer‟s responsibility is fulfilled by arranging the purchase of the premium cost of Medical benefits and Dental Plans, Group Life Insurance Plan and the Accidental Death and Dismemberment Insurance Plan for employees who elect single/family coverage subject to through the payment of the balance of the premiums by employees through pay deductionspremiums. 18.05 17.08 The premium costs of the Long-Term Disability plan employee has an obligation to maintain and Critical Illness shall be paid totally by the employee participatingsubmit all necessary forms, designations and information required for benefit coverage to go into effect, for coverage to continue, and for benefit recovery. 18.06 Eligible Employees who retire shall have 17.09 All seniority rated employees are eligible to join the option Group Registered Retirement Savings Plan following the completion of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retireessix months of service. Retirees shall be required to pay the full cost of premiums for this coverage, with no share paid by the EmployerParticipation is voluntary. The Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coveragePlan is currently administered by Sun Life Financial. 18.07 17.10 Each eligible employee may contribute any between 2% and 12% of earnings through payroll deductions. Contributions ranging from 2% to 6% of earnings are defined as “Matched” contributions. Contributions ranging from 7% to 12% are defined as “Unmatched” contributions. For the purposes of Article 18.06the Registered Saving Plan, earnings will include all regular wages, overtime earnings, vacation pay and any VCP paid in that calendar year (T4 Earnings). 17.11 The Employer will contribute a 100% match on employee contributions up to 3% of an employee‟s annual earnings. The Employer will contribute a 50% match on the next 3% of employee contributions. Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirementannual earnings include VCP earnings.

Group Insurance. 18.01 17.01 The Employer shall provide a will maintain its existing group insurance plan which shall provide coverage for permanent employees in the following areasbenefits program. The Core Group Benefits are: • Medical Basic Life Insurance • Dental • Basic Accidental Death and & Dismemberment • Dependent Life Insurance • Short Term Disability (Weekly Indemnity) • Long Term Disability • Critical IllnessExtended Health Care • Dental (a) Participation in the group insurance plan shall be mandatory for permanent employees except that any employees covered by an alternate plan can be exempted from the medical 17.02 The Optional Group Benefits are: • Optional Employee and/or Spousal Life Insurance • Optional Employee and/or Spousal Accidental Death and dental coverage of this plan.Dismemberment (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan shall be subject to the terms and conditions set down by the Group Insurance carrier. 18.04 17.03 The Employer agrees to Company will pay seventy-five (75%) percent 100% of the premium cost of Medical for Basic Life Insurance, Basic Accidental Death & Dismemberment, Dependent Life Insurance, Short Term Disability, Extended Health Care and Dental Plans, Group benefits. The Employee will pay the premium for Long Term Disability and any Optional Life Insurance or AD and D premiums. 17.04 The Company will make available to all employees a benefit handbook or benefit descriptions outlining qualifications, eligibility, limitations and entitlements. 17.05 It is understood that the Employer may at any time substitute another carrier for any Plan (other than OHIP) provided the insurance benefits conferred by this collective agreement are not in total decreased. Before making such a substitution, the Employer shall notify the Union to explain the proposed change and to discuss the transition. 17.06 The Company will, before the second anniversary of this agreement, meet with the union and discuss use of the Union’s benefit plan and the Accidental Death Union’s dental facilities. 17.07 The Employer does not act as the insurer in respect of these benefits, nor does the Employer bear any responsibility in the event of a dispute between an employee and Dismemberment Insurance Plan for employees who elect single/family coverage subject to the insurer. The Employer will not act in bad faith when an employee makes a benefit claim and will not require that a carrier make any decision in a specific case. The Employer’s responsibility is fulfilled by arranging the purchase of the benefits and through the payment of the balance of the premiums by employees through pay deductionspremiums. 18.05 17.08 The premium costs of the Long-Term Disability plan employee has an obligation to maintain and Critical Illness shall be paid totally by the employee participatingsubmit all necessary forms, designations and information required for benefit coverage to go into effect, for coverage to continue, and for benefit recovery. 18.06 Eligible Employees who retire shall have 17.09 All seniority rated employees are eligible to join the option Group Registered Retirement Savings Plan following the completion of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retireessix months of service. Retirees shall be required to pay the full cost of premiums for this coverage, with no share paid by the EmployerParticipation is voluntary. The Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coveragePlan is currently administered by Sun Life Financial. 18.07 17.10 Each eligible employee may contribute any between 2% and 12% of earnings through payroll deductions. Contributions ranging from 2% to 6% of earnings are defined as “Matched” contributions. Contributions ranging from 7% to 12% are defined as “Unmatched” contributions. For the purposes of Article 18.06the Registered Saving Plan, earnings will include all regular wages, overtime earnings, vacation pay and any VCP paid in that calendar year (T4 Earnings). 17.11 The Employer will contribute a 66 2/3% match on employee contributions up to a maximum of 4% of an Employee employee’s annual earnings no later than February 28th of each year for the previous years earnings (including VCP earnings). To be entitled to the maximum Employer match, the employee must be at least fifty-five (55) years contribute 6% of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirementearnings.

Group Insurance. 18.01 17.01 The Employer shall provide a will maintain its existing group insurance plan which shall provide coverage for permanent employees in the following areasbenefits program. The Core Group Benefits are: • Medical Basic Life Insurance • Dental • Basic Accidental Death and & Dismemberment • Dependent Life Insurance • Short Term Disability (Weekly Indemnity) • Long Term Disability • Critical IllnessIllness Insurance • Extended Health Care • Dental (a) Participation in the group insurance plan shall be mandatory for permanent employees except that any employees covered by an alternate plan can be exempted from the medical 17.02 The Optional Group Benefits are: • Optional Employee and/or Spousal Life Insurance • Optional Employee and/or Spousal Accidental Death and dental coverage of this plan.Dismemberment (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan shall be subject to the terms and conditions set down by the Group Insurance carrier. 18.04 17.03 The Employer agrees to Company will pay seventy-five (75%) percent 100% of the premium cost of Medical for Basic Life Insurance, Basic Accidental Death & Dismemberment, Dependent Life Insurance, Short Term Disability, Critical Illness Insurance, Extended Health Care and Dental Plans, Group benefits. The Employee will pay the premium for Long Term Disability and any Optional Life Insurance or AD and D premiums. 17.04 The Company will make available to all employees a benefit handbook or benefit descriptions outlining qualifications, eligibility, limitations and entitlements. 17.05 It is understood that the Employer may at any time substitute another carrier for any Plan (other than OHIP) provided the insurance benefits conferred by this collective agreement are not in total decreased. Before making such a substitution, the Employer shall notify the Union to explain the proposed change and to discuss the transition. 17.06 The Company will, before the second anniversary of this agreement, meet with the union and discuss use of the Union’s benefit plan and the Accidental Death Union’s dental facilities. 17.07 The Employer does not act as the insurer in respect of these benefits, nor does the Employer bear any responsibility in the event of a dispute between an employee and Dismemberment Insurance Plan for employees who elect single/family coverage subject to the insurer. The Employer will not act in bad faith when an employee makes a benefit claim and will not require that a carrier make any decision in a specific case. The Employer’s responsibility is fulfilled by arranging the purchase of the benefits and through the payment of the balance of the premiums by employees through pay deductionspremiums. 18.05 17.08 The premium costs of the Long-Term Disability plan employee has an obligation to maintain and Critical Illness shall be paid totally by the employee participatingsubmit all necessary forms, designations and information required for benefit coverage to go into effect, for coverage to continue, and for benefit recovery. 18.06 Eligible Employees who retire shall have 17.09 All seniority rated employees are eligible to join the option Group Registered Retirement Savings Plan following the completion of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retireessix months of service. Retirees shall be required to pay the full cost of premiums for this coverage, with no share paid by the EmployerParticipation is voluntary. The Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coveragePlan is currently administered by Sun Life Financial. 18.07 17.10 Each eligible employee may contribute any between 2% and 12% of earnings through payroll deductions. Contributions ranging from 2% to 6% of earnings are defined as “Matched” contributions. Contributions ranging from 7% to 12% are defined as “Unmatched” contributions. For the purposes of Article 18.06the Registered Saving Plan, earnings will include all regular wages, overtime earnings, vacation pay and any VCP paid in that calendar year (T4 Earnings). 17.11 The Employer will contribute a 100% match on employee contributions up to 3% of an employee’s annual earnings. The Employer will contribute a 50% match on the next 3% of employee contributions. Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirementannual earnings include VCP earnings.

Group Insurance. 18.01 17.01 The Employer shall provide a will maintain its existing group insurance plan which shall provide coverage for permanent employees in the following areasbenefits program. The Core Group Benefits are: • Medical • Dental •  Basic Life Insurance  Basic Accidental Death & Dismemberment  Dependent Life Insurance  Short Term Disability (Weekly Indemnity)  Long Term Disability  Extended Health Care  Dental 17.02 The Optional Group Benefits are:  Optional Employee and/or Spousal Life Insurance  Optional Employee and/or Spousal Accidental Death and Dismemberment • Dismemberment 17.03 The Company will pay 100% of the premium for Basic Life Insurance • Insurance, Basic Accidental Death & Dismemberment, Dependent Life Insurance, Short Term Disability, Extended Health Care and Dental benefits. The Employee will pay the premium for Long Term Disability • Critical Illnessand any Optional Life Insurance or AD and D premiums. 17.04 The Company will make available to all employees a benefit handbook or benefit descriptions outlining qualifications, eligibility, limitations and entitlements. 17.05 It is understood that the Employer may at any time substitute another carrier for any Plan (aother than OHIP) Participation provided the insurance benefits conferred by this collective agreement are not in total decreased. Before making such a substitution, the Employer shall notify the Union to explain the proposed change and to discuss the transition. 17.06 The Company will, before the second anniversary of this agreement, meet with the union and discuss use of the Union’s benefit plan and the Union’s dental facilities. 17.07 The Employer does not act as the insurer in respect of these benefits, nor does the Employer bear any responsibility in the group insurance plan shall be mandatory for permanent employees except that any employees covered by event of a dispute between an alternate plan can be exempted from employee and the medical and dental coverage of this plan. (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan shall be subject to the terms and conditions set down by the Group Insurance carrier. 18.04 insurer. The Employer agrees to pay seventy-five (75%) percent will not act in bad faith when an employee makes a benefit claim and will not require that a carrier make any decision in a specific case. The Employer’s responsibility is fulfilled by arranging the purchase of the premium cost of Medical benefits and Dental Plans, Group Life Insurance Plan and the Accidental Death and Dismemberment Insurance Plan for employees who elect single/family coverage subject to through the payment of the balance of the premiums by employees through pay deductionspremiums. 18.05 17.08 The premium costs of the Long-Term Disability plan employee has an obligation to maintain and Critical Illness shall be paid totally by the employee participatingsubmit all necessary forms, designations and information required for benefit coverage to go into effect, for coverage to continue, and for benefit recovery. 18.06 Eligible Employees who retire shall have 17.09 All seniority rated employees are eligible to join the option Group Registered Retirement Savings Plan following the completion of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retireessix months of service. Retirees shall be required to pay the full cost of premiums for this coverage, with no share paid by the EmployerParticipation is voluntary. The Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coveragePlan is currently administered by Sun Life Financial. 18.07 17.10 Each eligible employee may contribute any between 2% and 12% of earnings through payroll deductions. Contributions ranging from 2% to 6% of earnings are defined as “Matched” contributions. Contributions ranging from 7% to 12% are defined as “Unmatched” contributions. For the purposes of Article 18.06the Registered Saving Plan, earnings will include all regular wages, overtime earnings, vacation pay and any VCP paid in that calendar year (T4 Earnings). 17.11 The Employer will contribute a 100% match on employee contributions up to 3% of an employee’s annual earnings. The Employer will contribute a 50% match on the next 3% of employee contributions. Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirementannual earnings include VCP earnings.

Group Insurance. 18.01 A. The Employer TOWNSHIP shall provide non-contributory hospitalization and medical insurance with Major Medical and Maternity Benefits; a group dental plan; a prescription plan and a life insurance plan. These benefits will be made available to eligible employees only after completion of the entry probation period. B. The hospitalization and medical insurance currently consists of the following: (1) Blue Cross/Blue Shield Blue Select, with Major Medical and Maternity Benefits; (2) Blue Cross/Blue Shield Prescription Plan; (3) Blue Select Vision Care Rider; (4) Delta Dental Plan; (5) Fifteen Thousand Dollar ($15,000.00) life insurance plan which shall provide with Fort Dearborne Insurance Company. The TOWNSHIP represents that each of the plans designated above is currently in full force and effect. In the event that the TOWNSHIP elects to substitute any other type of coverage, the benefits available under such alternate coverage for permanent employees in the following areas: • Medical • Dental • Accidental Death and Dismemberment • Life Insurance • Long Term Disability • Critical Illness (a) Participation in the group insurance plan shall be mandatory better than or equal to those benefits payable under the aforesaid plans. C. The TOWNSHIP will provide a prescription card which will provide payment for permanent employees except that any employees covered prescription drugs with the employee paying the first Two Dollar ($2.00) charge and the balance being paid by an alternate plan can be exempted from the medical and dental coverage of this prescription plan. (b) Participation in Critical Illness insurance shall D. The terms of the Delta Dental Plan will be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan shall be subject identical to the terms of said Plan offered to all employees and conditions set down by staff. However, employer agrees to assume up to $500.00 of orthodontic costs for eligible employees and their dependents during the Group Insurance carrierterm of this Contract. 18.04 The E. Employer agrees to pay seventyreimburse each employee up to a total of $150.00 per year for vision care covering such employee and employee s dependents. F. An employee who retires after twenty-five (75%25) percent years or more of continuous employment with the premium cost of Medical and Dental Plans, Group Life Insurance Plan and the Accidental Death and Dismemberment Insurance Plan for employees who elect single/family coverage subject TOWNSHIP shall be entitled to the payment continuance of medical coverage as provided in this Article, including coverage for dependents, under such uniform conditions as the balance of the premiums by employees through pay deductionsgoverning body shall prescribe. 18.05 The premium costs of G. In the Long-Term Disability event that an employee in the Bargaining Unit is eligible to be covered under the insurance plans specified in this Article, and such employee voluntarily waives such coverage because such employee is covered under a policy issued to his/her spouse through the spouse s employment, the TOWNSHIP employee waiving coverage under the TOWNSHIP plan and Critical Illness or plans shall be paid totally entitled to receive a payment in the amount of One Thousand Five Hundred Dollars ($1,500.00) as a result of waiving TOWNSHIP insurance coverage. Said amount shall be payable to eligible employees at the first pay period in December of each year when such employee has not been covered under the TOWNSHIP s policy at any time during that preceding calendar year. In order to qualify for this bonus payment, an employee must complete the necessary forms and file same with the Treasurer s Office by December 31st of each year for the following calendar year. In order to qualify for such bonus payment, such employee must also comply with all regulations established by the employee participatingTOWNSHIP in this regard. 18.06 Eligible Employees who retire shall have the option of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retirees. Retirees shall be required to pay the full cost of premiums for this coverage, with no share paid by the Employer. The Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coverage. 18.07 For the purposes of Article 18.06, an Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirement.

Group Insurance. 18.01 The Employer There shall provide be a group insurance plan which shall provide coverage for permanent employees in the following areas: • Medical • Dental • Accidental Death and Dismemberment • Group Insurance Plan underwritten by a Life Insurance • Long Term Disability • Critical Illness (a) Participation in the group insurance plan shall be mandatory for permanent employees except that any employees covered by an alternate plan can be exempted from the medical and dental coverage of this plan. (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoingCompany which will provide, eligibility for participation in the Group Insurance plan shall be subject to the terms and conditions of said Plan, the following benefits for employees other than those who are in the Maintenance Department on the effective date of this Collective Agreement and who are covered under a different benefit schedule. Details of such different benefit schedule are set down forth in a memorandum of Agreement between the parties which becomes part of this Collective Agreement. The Company reserves the right to change insurance carriers, however the coverage amounts and the eligibility for such benefits shall not be changed or modified during the life of this agreement except by negotiation and the Group Insurance carriermutual agreement of the parties. Employee Benefit Completion Premium Co-Pay (%) 18.02 The Company shall continue to provide benefits under an Extended Health Care Plan. Details are set forth in a brochure issued to each employee. The Company will pay the whole premium cost. 18.03 The Company shall continue to provide benefits under a basic preventative Dental Care program. Details are set forth in a brochure issued to each employee. The Company will pay the whole premium cost. 18.04 The Employer agrees Company shall continue to provide benefits under a Vision Care Program which will provide a maximum benefit of $260.00 including the cost of routine eye examinations in any two consecutive years for the life of this agreement. Those employees and/or dependents who are covered by OHIP for the cost of routine eye examinations will receive a maximum benefit of 18.05 The Company will continue to provide benefits under an Orthodontic and Denture Care Program which will provide an annual maximum of $1,000 on a 50% coinsurance basis. Details are set forth in a brochure issued to each employee. The Company will pay seventythe whole premium cost. 18.06 The Company will reimburse employees for medical doctors notes which are requested or required by the Company and satisfies the Company's requirements. 18.07 Company benefits will commence for seniority employees recalled from layoff on their return-five (75%) percent to- work date. In the case of an employee laid off, benefit coverage shall continue for the month following the month of lay off. The aforesaid Company benefit coverage will cease as at the employee’s termination date; and at the end of the month in which an employee has exhausted twenty-six weeks continuous sick leave. In the case of employees who qualify for premium cost of Medical and Dental Plans, waiver under the Group Life Insurance Plan and Coverage subsequent to June 1, 1988, the Accidental Death and Dismemberment Insurance Plan Company will continue to pay the Extended Health Care premiums as long as such employees remain disabled or until they reach age 65. Employees going on leave of absence, other than sick leave, for employees who elect single/family coverage subject to the payment of the balance of the premiums by employees through pay deductions. 18.05 The premium costs of the Long-Term Disability plan and Critical Illness shall be paid totally by the employee participating. 18.06 Eligible Employees who retire shall have the option of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retirees. Retirees shall one full calendar month or more will be required to pay the full monthly cost of premiums for this coverage, with no share paid by the Employer. The their Extended Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coverageCare Plan and Dental Plan during such leave. 18.07 For the purposes of Article 18.06, an Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirement.

Group Insurance. 18.01 The Employer shall provide a group insurance plan which shall provide Upon written notice of ratification, the Company will pay the full cost of Group Life Insurance, Dental Plan, Sickness and Disability, Extended Health and Provincial Hospitalization and Medicare Plans for all employees eligible for coverage. To be eligible for coverage for permanent employees in the following areas: • Medical • Dental • Accidental Death and Dismemberment • Life Insurance • Long Term Disability • Critical Illness (a) Participation in the group insurance plan shall be mandatory for permanent employees except that under any employees covered by an alternate plan can be exempted from the medical and dental coverage of this plan. (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan plans an employee must have completed his probationary period and have acquired seniority rights under the Agreement. During any period of temporary lay-off by the Company, an employee may continue his Group Insurance Benefits (except Weekly Indemnity and Long-Term Disability) up to six (6)months, provided the Company is notified on or before the date of lay-off of the employee's desire to continue to be insured. Such coverage shall be subject at the Company's expense for up to three (3) months per calendar year. Coverage for any additional period in excess of three (3) months per year shall be paid by the employee. Payment of premiums shall be made to the terms Company in advance on a regular monthly basis. Failing such payments coverage will automatically be terminated. Coverage and conditions set down as per contracts but general terms of coverage as follows: LIFE INSURANCE: an amount equivalent to: x employees’ straight time rate with a minimum of of Life Insurance with disability provision of Life Insurance with premium waiver provision (24 hour coverage) x employees’ straight time rate with a minimum of Weekly Indemnity Effective Date of Ratification Effective January Effective January Effective January (Based on formula) for weeks Any premium reduction due to qualification of the Weekly Indemnity Plan shall be retained by the Group Insurance carrier. 18.04 The Employer agrees to pay seventy-five (75%) percent Company for the improvement of the premium cost of Medical and Dental Plans, Group Life Insurance Plan and Plans contained herein. Following the Accidental Death and Dismemberment Insurance Plan for employees who elect single/family coverage subject to the payment expiry of the balance of the premiums by employees through pay deductions. 18.05 The premium costs of Weekly Indemnity benefits period, the Long-Term Disability plan Plan will come into effect and Critical Illness shall provide for a benefit as follows: Fifteen thousand (15,000) dollars per year non-integrated with Canada Pension Plan in accordance with the Group Benefits Plan. However, an employee to his pension without actuarial reduction cannot stay or become eligible to Major Medical Hospital Benefits and Dental Plan Effective Date: I/ 7/94 7/1/95 7/7/96 Family Single Hospitalization Benefit: Dental Plan Coverage: Maximum Coverage: Room Basic: of eligible expenses Prosthetics: of eligible expenses per dependent Orthodontics: Dependent children maximum life time Premium cost to be paid totally by shared between the employee participating. 18.06 Eligible Employees who retire shall have Company and the option employee. benefit equally The Company will continue payments toward the cost of participating in the group HealthGroup Life Insurance, Dental, and Life Insurance/Accidental Death Major Medical for any employee who has completed his probationary period and Dismemberment Plan for Retireeswho is not on the active payroll because of proven illness, occupational or non- occupational injury until he loses his seniority and his employment is terminated. Retirees shall However, should an employee loose his seniority while on the insurance coverage will be required to pay the full cost of premiums for this coverage, with no share paid by the Employer. The Health coverage shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coverage. 18.07 For the purposes of Article 18.06, an Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment continued as a Permanent Employee at the time of retirement to be eligible for full post-retirement benefits and will only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirement.long as he remains on

Group Insurance. 18.01 The Employer shall provide a group insurance plan which shall provide coverage for permanent employees in Upon written notice of ratification, the following areas: • Medical • Dental • Accidental Death and Dismemberment • Life Insurance • Long Term Disability • Critical Illness (a) Participation in the group insurance plan shall be mandatory for permanent employees except that any employees covered by an alternate plan can be exempted from the medical and dental coverage of this plan. (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for participation in the Group Insurance plan shall be subject to the terms and conditions set down by the Group Insurance carrier. 18.04 The Employer agrees to pay seventy-five (75%) percent of the premium cost of Medical and Dental Plans, Group Life Insurance Plan and the Accidental Death and Dismemberment Insurance Plan for employees who elect single/family coverage subject to the payment of the balance of the premiums by employees through pay deductions. 18.05 The premium costs of the Long-Term Disability plan and Critical Illness shall be paid totally by the employee participating. 18.06 Eligible Employees who retire shall have the option of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retirees. Retirees shall be required to Company will pay the full cost of premiums Group Life Insurance, Dental Plan, Sickness and Disability, Extended Health and Provincial Hospitalization and Medicare Plans for this all employees eligible for coverage. To be eligible for coverage under any of the Group Insurance plans an employee must have completed his probationary period and have acquired seniority rights under the Agreement. During any period of temporary lay-off by the Company, with no share an employee may continue his Group Insurance Benefits (except Weekly Indemnity and Disability) up to six (6) months, provided the Company is notified on or before the date of lay-off of the employee's desire to continue to be insured. Such coverage shall be at the Company's expense for up to three (3) months per calendar year. Coverage for any period in of three (3)months per year shall be paid by the Employeremployee. The Health coverage Payment of premiums shall be available made to the Company in advance on a regular monthly basis. Failing such payments coverage will automatically be terminated. Coverage and conditions as per but general of as follows: INSURANCE: an amount equivalent to: x employees' straight time rate with a minimum of of Life Insurance with disability provision of Life Insurance with premium waiver provision (24 hour x employees' straight time rate with a minimum of Weekly Indemnity Effective Date of Effective January Effective January (Based on formula) for weeks To Levels To levels Any premium reduction due to qualification of the Weekly Indemnity Plan shall be retained by the Company for the life improvement of the retireeInsurance Plans contained herein. Following the expiry of the Weekly Indemnity benefits period, or until the retiree stops paying Disability Plan into effect and provide for a benefit as follows: Fifteen thousand 5,000) dollars per year with Canada Pension Plan in accordance with the required premiumsGroup Benefits Plan. All other benefits shall terminate immediately upon the retiree reaching the age Medical Benefits and Dental Plan Effective Date: 1/1/34 1/1/35 Family Single Hospitalization Benefit: Room Dental Plan Coverage: Basic: of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coverage. 18.07 For the purposes eligible expenses Prosthetics: of Article 18.06, an Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the eligible expenses Maximum Coverage: per dependent Orthodontics: Dependent children maximum life time of retirement benefit Premium cost to be eligible for full post-retirement benefits shared between the Company and the employee. 09/29/93 The Company will only qualify for continuation continue payments toward the cost of Health, Dental and Group Life Insurance/Accidental Death , Dental, and Dismemberment benefits if Major Medical for any employee who has completed his probationary period and who is not on the Employee was eligible for those benefits at active payroll because of proven illness, occupational or non- occupational injury until he loses hi8 seniority and his employment is terminated. However, should an employee loose his seniority while on the time of the Employee's retirement.insurance coverage will be continued as long as he remains on

Group Insurance. 18.01 The Employer shall provide a group insurance plan which shall provide coverage Corporation agrees to pay for all probationary and permanent employees, plus one (1) Parks and Recreation Department Facility Section Canteen Supervisor and one (1) Facility Section Cleaning Staff Member, one hundred percent (100%) of the cost of the Ontario Hospital Insurance Plan and the Semi- Private Plan; and for all permanent employees listed in Appendix A, Schedule and Appendix Schedules “E” and plus one (1) Parks and Recreation Department Facility Section Cleaning Staff Member, one hundred percent (100%) of the following areas: • Medical • Dental • Accidental Death and Dismemberment • Life Insurance • Long Term Disability • Critical Illness (a) Participation in the group insurance plan shall be mandatory for permanent employees except that any employees covered by an alternate plan can be exempted from the medical and dental coverage cost of this plan. (b) Participation in Critical Illness insurance shall be voluntary. 18.03 Notwithstanding the foregoing, eligibility for each employee’s participation in the Group Life In- surance Plan, the Extended Health Care Plan and the Dental Plan currently in effect. The Group Life Insurance plan (which includes Acciden- tal Death and Dismemberment) for each employee covered shall be subject one and one-half times their respective regular annual salary to the terms and conditions set down by the Group Insurance carrier. 18.04 The Employer agrees nearest of coverage to a maximum of Employees may pay seventy-five (75%) percent of the premium cost of Medical retaining a Life Insurance policy upon retirement. The Corporation agrees to implement an Plan and Dental Planscontribute of the monthly premiums on behalf of each participating permanent employee listed in Appendix A, Schedule and Appendix Schedules “E” and plus one (1) Recrea- tion Cleaning Staff employee. The Corporation shall provide Extended Health Care Plan coverage to employees specified in this Article with single, couple and family status to be maintain- ed on a deductible basis, annually. Eye glass coverage shall be provided in the amount of up to per person every other year. The Corporation shall provide dental coverage to employees specified in this Article in accordance with rates one (1) year in arrears of the current year. Employees shall be responsible for keeping the City informed of changes in their marital status and number of dependents. An employee who is entitled to a reduc- ed benefit premium because of a change in dependency status and who fails to notify the City of such change within thirty (30) days of becoming aware of such change, shall have any unnecessary extra premium costs paid by the City on behalf deducted from pay. Any and all accrued premium reduction benefits that are derived by the employer (five twelfths rebate) shall be placed towards the benefits in this Article. It is agreed by both parties that the above plans shall be considered to be a condition of employment; this condition may only be waived when an employee pro- vides proof that he is covered by some other similar plan. The Corporation agrees to continue to include in the Ontario Health Insurance Plan, the Plan, the Group Life Insurance Plan and the (with Accidental Death and Dismemberment Insurance Dismemberment), the Major Medical, the Den- tal Plan for and the Plan currently in effect, any employees who elect single/family coverage subject are laid off work, for a period not to exceed twelve (12) months, on the payment of the balance of the premiums by employees through pay deductions.condition that: 18.05 A) The premium costs of the Long-Term Disability plan and Critical Illness shall be paid totally by the employee participating. 18.06 Eligible Employees who retire shall have the option of participating in the group Health, Dental, and Life Insurance/Accidental Death and Dismemberment Plan for Retirees. Retirees shall be required to pay the full cost of premiums for this coverage, with no share complete contribution is paid by the Employeremployees after three (3) months; and The payments are made to the City Treasurer by the 5th of the month in which they are due. The All group benefit plans not eligible for waiver of premium provisions, such as Ontario Health coverage Insurance Plan, Semi-private, Group Insurance Plan (with Ac- cidental Death and Dismemberment), Major Medical and Dental Plan, if applicable, would be discontinued after years of continuous disability. In other words, the City would continue to pay its portion of the premium during the first years of disability. It is understood that the Corporation may substitute another carrier for any plan (other than pro- vided the benefits conferred thereby are not in total decreased. Before making such a substitution, the Cor- poration shall notify the Union to explain the proposed change. Upon a request by the Union, the Corpora- tion shall provide to the Union full specifications of the benefit programs contracted for and in effect for employees covered herein. It is agreed by both parties that the above mentioned plans shall be available for the life of the retiree, or until the retiree stops paying the required premiums. All other benefits shall terminate immediately upon the retiree reaching the age of sixty-five (65). The Employer reserves the right to amend, reduce or withdraw this coverage. 18.07 For the purposes of Article 18.06, an Employee must be at least fifty-five (55) years of age and have completed at least ten (10) years employment as a Permanent Employee at the time of retirement considered to be eligible a condition of employ- ment for full post-retirement benefits employees specified in ARTICLE and will this condition may only qualify for continuation of Health, Dental and Life Insurance/Accidental Death and Dismemberment benefits if the Employee was eligible for those benefits at the time of the Employee's retirementbe waived when an employee provides proof that he is covered by some other similar plan.