Common use of Income Protection Plan (IPP Clause in Contracts

Income Protection Plan (IPP. All permanent full-time employees who are unable to perform their duties due to a non-occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out below: Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months 1 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0

Income Protection Plan (IPP. All permanent full-time employees who have completed three (3) months of continuous service and who are unable to perform their duties due to a non-non- occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out below: Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months 1 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0

Income Protection Plan (IPP. All permanent full-time employees who are unable to perform their duties due to a non-occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out below: Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months 1 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0

Income Protection Plan (IPP. All permanent full-time employees who w ho are unable to perform their duties due to a non-occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out belowbelow : Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months (Weeks) 1 (Weeks) 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0

Income Protection Plan (IPP. All permanent full-time employees who w ho have completed three (3) months of continuous service and w ho are unable to perform their duties due to a non-occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out belowbelow : Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months 1 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0

Income Protection Plan (IPP. All permanent full-time employees who w ho are unable to perform their duties due to a non-occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out below: Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months (Weeks) 1 (Weeks) 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0

Income Protection Plan (IPP. All permanent full-time employees who are unable to perform their duties due to a non-occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out below: Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months 1 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0

Income Protection Plan (IPP. All permanent full-time employees who are unable to perform their duties due to a non-non- occupational illness or injury are eligible for Income Protection Plan, hereafter referred to as Income Protection and or IPP benefits, based on the schedule set out below: Length of Service Benefit Level Full Salary 2/3’s Salary (Weeks) (Weeks) Less than 3 months 1 0 3 months but less than 6 months 1 1 6 months but less than 12 months 1 16 1 year but less than 2 years 2 15 2 years but less than 3 years 3 14 3 years but less than 4 years 4 13 4 years but less than 5 years 5 12 5 years but less than 6 years 7 10 6 years but less than 7 years 9 8 7 years but less than 8 years 11 6 8 years but less than 9 years 13 4 9 years but less than 10 years 15 2 10 years or over 17 0