Common use of HEALTH BENEFITS AND INSURANCE Clause in Contracts

HEALTH BENEFITS AND INSURANCE. 19.01 Regular Employees who are regularly scheduled to work fifteen (15) or more hours per week, are eligible to participate in the benefits and insurance plans. 19.02 The Employer will establish and provide the following Health Benefit Trust of Alberta benefit plans: (a) Alberta Health Care Insurance Plan; ALBERTA BLUE CROSS for the following: (b) Supplementary Health Benefits Plan which provides eighty percent (80%) reimbursement of eligible expenses of each current year costs effective each calendar year; (c) A Prescription Drug Plan which provides eighty percent (80%) reimbursement of eligible expenses of current year costs effective each calendar year, including a direct electronic pay card for all prescription drug plan reimbursement; (d) A Dental Plan which provides eighty percent (80%) reimbursement of basic services; fifty percent (50%) reimbursement of extensive services; and fifty percent (50%) reimbursement of orthodontic services; up to the established maximums provided for in the current-year Alberta Blue Cross Dental Fee Guide and fee schedule; (e) GREAT WEST LIFE for the following: Group Benefits, which cover life insurance and accidental death and dismemberment insurance provided in an amount equal to one times (1X) the Employee’s annual salary (based on their FTE), rounded to the next (higher) $1000.00. An Employee may elect to carry Optional AD&D coverage at the Employee’s own expense in units of $10,000.00 up to prescribed maximums. For thirty-one (31) days after an Employee’s date of enrollment in the Group Benefits, coverage may be extended to include Optional Dependent Life. After thirty-one (31) days, an Employee may still apply for Optional Dependent Life. In this case, Evidence of Insurability is required; a medical examination (at the Employee’s own expense) will be required and the insurance carrier may accept or reject the Employee’s application. Optional AD&D coverage may be reduced or discontinued by the Employee at any time provided the Employee submits their request in writing to the SCF Benefits Administrator. Similarly, Optional Dependent Life coverage can be discontinued by the Employee at any time provided the Employee submits their request in writing to the SCF Benefits Administrator. The total cost of premiums for Optional AD&D and Optional Dependent Life coverage are paid by the employee. (f) Short-term Disability Insurance, which covers sixty-six and two-thirds percent (66.67%) of regular basic weekly earnings to an established maximum; (g) Long-term Disability Insurance which covers sixty-six and two-thirds percent (66.67%) of regular basic weekly earnings to an established maximum following a one hundred and twenty (120) day elimination period. 19.03 The operation of the Benefit Plans shall be governed by the terms and conditions of the contracts between the Employer and the benefit insurers. 19.04 The Employer shall make information booklets available to eligible Employees who participate in the benefit plans. 19.05 The Employer shall pay seventy-five percent (75%) and the Employee shall pay twenty-five percent (25%) of the costs of the benefits premiums for the benefits provided.

HEALTH BENEFITS AND INSURANCE. 19.01 Regular Employees who are regularly scheduled to work fifteen (15) or more hours per week, are eligible to participate in the benefits and insurance plans. 19.02 The Employer will establish and provide the following Health Benefit Trust of Alberta benefit plans: (a) Alberta Health Care Insurance Plan; ALBERTA BLUE CROSS for the following: (b) Supplementary Health Benefits Plan which provides eighty percent (80%) reimbursement of eligible expenses of each current year costs effective each calendar year; (c) A Prescription Drug Plan which provides eighty percent (80%) reimbursement of eligible expenses of current year costs effective each calendar year, including a direct electronic pay card for all prescription drug plan reimbursement; (d) A Dental Plan which provides eighty percent (80%) reimbursement of basic services; fifty percent (50%) reimbursement of extensive services; and fifty percent (50%) reimbursement of orthodontic services; up to the established maximums provided for in the current-year Alberta Blue Cross Dental Fee Guide and fee schedule; (e) ; GREAT WEST LIFE for the following: : (e) Group Benefits, which cover life insurance and accidental death and dismemberment insurance provided and voluntary accidental death and dismemberment insurance and voluntary dependent life insurance in an amount equal to of one times (1X) the Employee’s regular annual salary (based on their FTE), rounded to the next (higher) $1000.00. An Employee may elect to carry Optional AD&D coverage at the Employee’s own expense in units of $10,000.00 up to prescribed maximums. For thirty-one (31) days after an Employee’s date of enrollment in the Group Benefits, coverage may be extended to include Optional Dependent Life. After thirty-one (31) days, an Employee may still apply for Optional Dependent Life. In this case, Evidence of Insurability is required; a medical examination (at the Employee’s own expense) will be required and the insurance carrier may accept or reject the Employee’s application. Optional AD&D coverage may be reduced or discontinued by the Employee at any time provided the Employee submits their request in writing to the SCF Benefits Administrator. Similarly, Optional Dependent Life coverage can be discontinued by the Employee at any time provided the Employee submits their request in writing to the SCF Benefits Administrator. The total cost of premiums for Optional AD&D and Optional Dependent Life coverage are paid by the employee.basic earnings; (f) Short-term Disability Insurance, which covers sixty-six and two-thirds percent (66.67%) of regular basic weekly earnings to an established maximum; (g) Long-term Disability Insurance which covers sixty-six and two-thirds percent (66.67%) of regular basic weekly earnings to an established maximum following a one hundred and twenty (120) day elimination period. 19.03 The operation of the Benefit Plans shall be governed by the terms and conditions of the contracts between the Employer and the benefit insurers. 19.04 The Employer shall make information booklets available to eligible Employees who participate in the benefit plans. 19.05 The Employer shall pay seventy-five percent (75%) and the Employee shall pay twenty-five percent (25%) of the costs of the benefits premiums for the benefits provided. (a) Employees shall be eligible for a Flexible Health Benefit Spending Account (administered by the Employer). (i) Effective on the date of ratification, an annual amount of four hundred and fifty dollars ($450.00) shall be deposited in the eligible Employee’s account. This Flexible Health Benefit Spending Account shall be provided to Part-time Employees on a pro-rata basis, based on their annualized regularly scheduled hours of work as of January 1st. (b) Employees who, in the course of a calendar year, are hired or transferred into a position, which is eligible for the Flexible Health Benefit Spending Account shall be: (i) entitled to a Flexible Health Benefit Spending Account on a pro- rated basis on the number of full months remaining in the calendar year from the date the benefit eligible position is attained; and (ii) eligible to use his/her Flexible Health Benefit Spending Account for eligible expenditures incurred on or after the eligibility date for health and dental benefits under Article 19.02. (c) An Employee whose entitlement has terminated shall have one (1) month from the first of the month following his/her termination to submit a claim for eligible expenditures. For the purpose of this clause, eligible expenditures must have been incurred prior to termination. (d) The Flexible Health Benefit Spending Account shall be implemented and administered in accordance with the Income Tax Act and applicable regulations in effect at the time of implementation and during the course of operation of the Flexible Health Benefit Spending Account. (e) Any unused allocation in an Employee's Flexible Health Benefit Spending Account as of December 31st of each calendar year may be carried forward for a maximum of one (1) calendar year.

HEALTH BENEFITS AND INSURANCE. 19.01 Regular Employees who are regularly scheduled to work fifteen (15) or more hours per week, are eligible to participate in the benefits and insurance plans. 19.02 The Employer will establish and provide the following Health Benefit Trust of Alberta benefit plans: (a) Alberta Health Care Insurance Plan; ALBERTA BLUE CROSS for the following: (b) Supplementary Health Benefits Plan which provides eighty percent (80%) reimbursement of eligible expenses of each current year costs effective each calendar year; (c) A Prescription Drug Plan which provides eighty percent (80%) reimbursement of eligible expenses of current year costs effective each calendar year, including a direct electronic pay card for all prescription drug plan reimbursement; (d) A Dental Plan which provides eighty percent (80%) reimbursement of basic services; fifty percent (50%) reimbursement of extensive services; and fifty percent (50%) reimbursement of orthodontic services; up to the established maximums provided for in the current-year Alberta Blue Cross Dental Fee Guide and fee schedule; (e) GREAT WEST LIFE for the following: Group Benefits, which cover life insurance and accidental death and dismemberment insurance provided in an amount equal to one times (1X) the Employee’s annual salary (based on their FTE), rounded to the next (higher) $1000.00. An Employee may elect to carry Optional AD&D coverage at the Employee’s own expense in units of $10,000.00 up to prescribed maximums. For thirty-one (31) days after an Employee’s date of enrollment in the Group Benefits, coverage may be extended to include Optional Dependent Life. After thirty-one (31) days, an Employee may still apply for Optional Dependent Life. In this case, Evidence of Insurability is required; a medical examination (at the Employee’s own expense) will be required and the insurance carrier may accept or reject the Employee’s application. Optional AD&D coverage may be reduced or discontinued by the Employee at any time provided the Employee submits their request in writing to the SCF Benefits Administrator. Similarly, Optional Dependent Life coverage can be discontinued by the Employee at any time provided the Employee submits their request in writing to the SCF Benefits Administrator. The total cost of premiums for Optional AD&D and Optional Dependent Life coverage are paid by the employee. (f) Short-term Disability Insurance, which covers sixty-six and two-thirds percent (66.67%) of regular basic weekly earnings to an established maximum; (g) Long-term Disability Insurance which covers sixty-six and two-thirds percent (66.67%) of regular basic weekly earnings to an established maximum following a one hundred and twenty (120) day elimination period. 19.03 The operation of the Benefit Plans shall be governed by the terms and conditions of the contracts between the Employer and the benefit insurers. 19.04 The Employer shall make information booklets available to eligible Employees who participate in the benefit plans. 19.05 The Employer shall pay seventy-five percent (75%) and the Employee shall pay twenty-five percent (25%) of the costs of the benefits premiums for the benefits provided.