Common use of Group Insurances Clause in Contracts

Group Insurances. 18.01 It is agreed that during the term of this agreement the Company’s only obligation in respect of benefits is to contribute 100% of the billed premiums towards the coverage of: A) For eligible regular full time employees who have completed their probationary period and are under the age of sixty-five (65) years, under the following benefit plans: (i) Ontario Employer Health Tax (ii) Semi-Private Hospital Care, if not doctor requested, Company to pay 75% and employee to pay 25%. (iii) Extended Health Benefit Plan, which will include a $1.00 credit card "AG" Drug Plan. (iv) Group Life Insurance of $42,000.00. Effective November 27, 2018, Group Life Insurance of $43,000.00. Effective November 27, 2019, Group Life Insurance of $44,000.00. (v) Accidental Death and Dismemberment Benefit of $42,000. Effective November 27, 2018, Accidental Death and Dismemberment Benefit of $43,000.00. Effective November 27, 2019, Accidental Death and Dismemberment Benefit of $44,000.00. (vi) Vision Care of $350.00 every 24 months effective November 27, 2017 Vision Care of $370.00 every 24 months effective November 27, 2018 Vision Care of $390.00 every 24 months effective November 27, 2019 (vii) Weekly Indemnity up to 26 weeks at 60%. (viii) Preventative Dental Care Plan, which will change from the 2017 Ontario Dental Association Schedule of Fees to the 2018 Ontario Dental Association Schedule of Fees effective January 1, 2018. Effective January 1, 2019, change to the 2019 Ontario Dental Association Schedule of Fees. Effective January 1, 2020, change to the 2020 Ontario Dental Association Schedule of Fees. Major Restorative Procedures: Dentures, Partial Plates, Crowns and Caps - on a 50/50 co-insurance basis within the existing $2,000.00 annual maximum. Orthodontic coverage to a maximum of $1000.00 per person under the age of 18 years, once per lifetime. (ix) Long Term Disability Plan, to include: after 26 weeks, 2/3 of earnings to a maximum of $1,550.00 per month, to age 65, but is not retroactive. B) The letter of Understanding Group Insurance – Post Age 65 Active Employees dated January 30, 2007 which operated under the former collective agreement is deleted. For eligible regular full time employees who have completed their probationary period and are age sixty-five (65) years or older. (i) Ontario Employer Health Tax (ii) Semi-Private Hospital Care, if not doctor requested, Company to pay 75% and employee to pay 25%. (iii) Extended Health Benefit Plan, which will include a $1.00 credit card "AG" Drug Plan. (iv) Group Life Insurance of $42,000.00 - to cease at age 70. Effective November 27, 2018, Group Life Insurance of $43,000.00 - to cease at age 70. . Effective November 27, 2019, Group Life Insurance of $44,000.00 - to cease at age 70. (v) Accidental Death and Dismemberment Benefit of $42,000 to cease at age 70. Effective November 27, 2018, Accidental Death and Dismemberment Benefit of $43,000.00 to cease at age 70. Effective November 27, 2019, Accidental Death and Dismemberment Benefit of $44,000.00 to cease at age 70. (vi) Vision Care of $350.00 every 24 months effective November 27, 2017 Vision Care of $370.00 every 24 months effective November 27, 2018 Vision Care of $390.00 every 24 months effective November 27, 2019

Group Insurances. 18.01 It is agreed that during the term of this agreement the Company’s only obligation in respect of benefits is to contribute 100% of the billed premiums towards the coverage of: A) For eligible regular full time employees who have completed their probationary period and are under the age of sixty-five (65) years, under the following benefit plans: (i) Ontario Employer Health Tax (ii) Semi-Private Hospital Care, if not doctor requested, Company to pay 75% and employee to pay 25%. (iii) Extended Health Benefit Plan, which will include a $1.00 credit card "AG" Drug Plan. (iv) Effective November 27, 2020 Group Life Insurance of $42,000.0045,000.00. Effective November 27, 20182021, Group Life Insurance of $43,000.0046,000.00. Effective November 27, 20192022, Group Life Insurance of $44,000.0047,000.00. (v) Effective November 27, 2020 Accidental Death and Dismemberment Benefit of $42,00045,000. Effective November 27, 20182021, Accidental Death and Dismemberment Benefit of $43,000.0046,000.00. Effective November 27, 20192022, Accidental Death and Dismemberment Benefit of $44,000.0047,000.00. (vi) Vision Care of $350.00 410.00 every 24 months effective November 27, 2017 2020 Vision Care of $370.00 430.00 every 24 months effective November 27, 2018 2021 Vision Care of $390.00 450.00 every 24 months effective November 27, 20192022 (vii) Weekly Indemnity up to 26 weeks at 60%. (viii) Preventative Dental Care Plan, which will change from the 2017 Ontario Dental Association Schedule of Fees to the 2018 Ontario Dental Association Schedule of Fees effective January 1, 2018. Effective January 1, 20192021, change to the 2019 2021 Ontario Dental Association Schedule of Fees. Effective January 1, 20202022, change to the 2020 2022 Ontario Dental Association Schedule of Fees. Effective January 1, 2023, change to the 2023 Ontario Dental Association Schedule of Fees. Major Restorative Procedures: Dentures, Partial Plates, Crowns and Caps - on a 50/50 co-insurance basis within the existing $2,000.00 annual maximum. Orthodontic coverage to a maximum of $1000.00 per person under the age of 18 years, once per lifetime. (ix) Long Term Disability Plan, to include: after 26 weeks, 2/3 of earnings to a maximum of $1,550.00 per month, to age 65, but is not retroactive. B) The letter of Understanding Group Insurance – Post Age 65 Active Employees dated January 30, 2007 which operated under the former collective agreement is deleted. For eligible regular full time employees who have completed their probationary period and are age sixty-five (65) years or older. (i) Ontario Employer Health Tax (ii) Semi-Private Hospital Care, if not doctor requested, Company to pay 75% and employee to pay 25%. (iii) Extended Health Benefit Plan, which will include a $1.00 credit card "AG" Drug Plan. (iv) Effective November 27, 2020 Group Life Insurance of $42,000.00 45,000.00. - to cease at age 70. Effective November 27, 20182021, Group Life Insurance of $43,000.00 46,000.00. - to cease at age 70. . Effective November 27, 2019, Group Life Insurance of $44,000.00 - to cease at age 70. (v) Accidental Death and Dismemberment Benefit of $42,000 to cease at age 70. Effective November 27, 20182022, Accidental Death and Dismemberment Benefit Group Life Insurance of $43,000.00 to cease at age 7047,000.00. Effective November 27, 2019, Accidental Death and Dismemberment Benefit of $44,000.00 - to cease at age 70. (vi) Vision Care of $350.00 every 24 months effective November 27, 2017 Vision Care of $370.00 every 24 months effective November 27, 2018 Vision Care of $390.00 every 24 months effective November 27, 2019

Group Insurances. 18.01 It is agreed that during the term of this agreement the Company’s only obligation in respect of benefits is to contribute 100% of the billed premiums towards the coverage of: A) For eligible regular full time employees who have completed their probationary period and are under the age of sixty-five (65) years, under the following benefit plans: (i) Ontario Employer Health Tax (ii) Semi-Private Hospital Care, if not doctor requested, Company to pay 75% and employee to pay 25%. (iii) Extended Health Benefit Plan, which will include a $1.00 credit card "AG" Drug Plan. (iv) Group Life Insurance of $42,000.00. Effective November 27, 2018, Group Life Insurance of $43,000.00. Effective November 27, 2019, Group Life Insurance of $44,000.00.38,000.00 (v) Accidental Death and Dismemberment Benefit of $42,000. Effective November 27, 2018, Accidental Death and Dismemberment Benefit of $43,000.00. Effective November 27, 2019, Accidental Death and Dismemberment Benefit of $44,000.00.38,000 (vi) Vision Care of $350.00 270.00 every 24 months effective November 27, 2017 2012. Vision Care of $370.00 280.00 every 24 months effective November 27, 2018 Vision Care of $390.00 every 24 months effective November 27, 20192013. (vii) Weekly Indemnity up to 26 weeks at 60%. (viii) Preventative Dental Care Plan, which will change from the 2017 2012 Ontario Dental Association Schedule of Fees to the 2018 2013 Ontario Dental Association Schedule of Fees effective January 1, 20182013. Effective January 1, 20192014, change to the 2019 Ontario Dental Association Schedule of Fees. Effective January 1, 2020, change to the 2020 2014 Ontario Dental Association Schedule of Fees. Major Restorative Procedures: Dentures, Partial Plates, Crowns and Caps - on a 50/50 co-insurance basis within the existing $2,000.00 annual maximum. Orthodontic coverage to a maximum of $1000.00 per person under the age of 18 years, once per lifetime. (ix) Long Term Disability Plan, to include: after 26 weeks, 2/3 of earnings to a maximum of $1,550.00 per month, to age 65, but is not retroactive. B) The letter of Understanding Group Insurance – Post Age 65 Active Employees dated January 30, 2007 which operated under the former collective agreement is deleted. For eligible regular full time employees who have completed their probationary period and are age sixty-five (65) years or older. (i) Ontario Employer Health Tax (ii) Semi-Private Hospital Care, if not doctor requested, Company to pay 75% and employee to pay 25%. (iii) Extended Health Benefit Plan, which will include a $1.00 credit card "AG" Drug Plan. (iv) Group Life Insurance of $42,000.00 38,000.00 - to cease at age 70. Effective November 27, 2018, Group Life Insurance of $43,000.00 - to cease at age 70. . Effective November 27, 2019, Group Life Insurance of $44,000.00 - to cease at age 70. (v) Accidental Death and Dismemberment Benefit of $42,000 38,000.00 – to cease at age 70. Effective November 27, 2018, Accidental Death and Dismemberment Benefit of $43,000.00 to cease at age 70. Effective November 27, 2019, Accidental Death and Dismemberment Benefit of $44,000.00 to cease at age 70. 70 (vi) Vision Care of $350.00 270.00 every 24 months effective November 27, 2017 2012. Vision Care of $370.00 280.00 every 24 months effective November 27, 2018 Vision Care of $390.00 every 24 months effective November 27, 20192013.