Common use of Inclusive of Clause in Contracts

Inclusive of. (i) Group Life Insurance (2X basic annual earnings rounded to next highest $1000); (ii) Accidental Death and Dismemberment (basic) (2X basic annual earnings rounded to next highest $1000); (iii) Short-term Disability covering both Occupational and Non- Occupational injuries and illnesses (income replacement for a period of up to 119 working days during a qualifying disability equal to 75% of basic weekly earnings to the established maximum following a 14 day elimination period where applicable. The Short-term Disability shall become effective on the first working day following the expiry of sick leave credits in the case of absence due to injury or hospitalization. In the particular case of Employees who have insufficient sick leave credits to satisfy the 14 calendar day elimination period, the Short-term Disability shall commence on the 15th day following the commencement of non-hospitalized sickness); (iv) Long-term Disability covering both Occupational and Non- Occupational injuries and illnesses, (income replacement during a qualifying disability equal to 75% of basic monthly earnings to the established maximum following a 119 working day elimination period); and (v) Dental Plan, which provides for the reimbursement of 80% of eligible Basic Services; 50% of eligible Extensive Services and 50% of eligible Orthodontic Services, in accordance with the carrier’s Usual and Customary Fee Guide. A maximum annual reimbursement of $3000 per insured person per benefit year shall apply to Extensive Services. Orthodontic Services shall be subject to a lifetime maximum reimbursement of $3000 per insured person.

Inclusive of. (i) Group Life Insurance (2X basic annual earnings rounded to next highest $1000); (ii) Accidental Death and Dismemberment (basic) (2X basic annual earnings rounded to next highest $1000); (iii) Short-term Disability covering both Occupational and Non- Occupational injuries and illnesses illnesses, (income replacement for a period of up to 119 112 working days during a qualifying disability equal to 75% of basic weekly earnings to the be established maximum following a 14 7 day elimination period where applicable. The Short-term Disability shall become effective on the first working day following the expiry of sick leave credits in the case of absence due to injury or hospitalization. In the particular case of Employees who have insufficient sick leave credits to satisfy the 14 7 calendar day elimination period, the Short-term Disability disability shall commence on the 15th 8th day following the commencement of non- hospitalized sickness. For Status Employees this benefit is non-hospitalized sickness);taxable and for Non-Status Employees this benefit is taxable. (iv) Long-term Disability covering both Occupational and Non- Occupational injuries and illnesses, illnesses (income replacement during a qualifying disability equal to 75% of basic monthly earnings to the established maximum following a 119 112 working day elimination period). For Status Employees this benefit is non-taxable and for Non-Status Employees this benefit is taxable; and (v) Dental Plan, which provides for the reimbursement of 80% of eligible Basic Services; 5080% of eligible Extensive Services and 50% of eligible Orthodontic Services, Services in accordance with the current carrier’s Usual and Customary Fee Guide. A maximum annual reimbursement of $3000 2000 per insured person per benefit year shall apply to Extensive Services. Orthodontic Services shall be subject to a lifetime maximum reimbursement of $3000 3000.00 per insured person.