Common use of ORDINATION OF BENEFITS Clause in Contracts

ORDINATION OF BENEFITS. This plan will pay either its regular full or a reduced amount which when added to benefits available under plan or plans will equal of covered Covered expense means any necessary reasonable and expense incurred while eligible for benefits under this or of which would be payable under any of plans but not any expenses contained in the list of Exclusions 'Plan' means any plan under which medical or dental benefits or services are provided by Group insurance or any other arrangement of coverage for individuals in a group whether or not insured, or Any prepayment arrangement, or Any coverage for students which is sponsored or provided through a school or other educational institution TERMINATION OF BENEFITS of Employment In the event of termination of employment for any reason, benefits will on the date of of employment Workers' Compensation Disabled employees on Workers Compensation will be eligible for benefits for up to months after the date of disability Weekly Indemnity Disabled employees on Weekly Indemnity will be eligible for benefits for up to months after the date of disability Leave Absence If you are on Leave of Absence your insurance be continued until the end of the month the month in which the leave of Absence If you are laid off your insurance will be continued until the end of the policy monthfollowing the policy month in which the lay-off starts It IS necessary to notify your employer of any change in the number of dependents which will result a change from one to another of the following classifications Employee dependents Employee dependents This information is necessary so Insurance Company can adjust your coverage accordingly PAYMENT OF Your employer has the forms for submitting proof When form has been completed return lo your employer Benefits will be paid upon of required proofs The Long Term Disability Plan shall be administered in accordance with terms of an insurance policy and shall contain the following governing provisions The Long Term Disability Benefit Plan shall compulsory for all employees, who are participants in. and who are covered under the terms of the Weekly Indemnity Plan EFFECTIVE DATE OF COVERAGE An eligible employee absent from work due to sickness or accident at the effective date of the plan shall eligible for Long Term Disability Plan benefits at the return to continuous active full- time employment over a thirty (30) calendar day period An eligible employee absent from work due to lay-off at the effective date of the plan, shall be entitled to Long Term Disability Plan benefits upon recall on reporting to work The Company shall have the right to give medical examinations to returning from such lay-off lo determine their eligibility the plan An insured employee shall be eligible to receive an amount of Long Term Disability Benefit after fifty-two weeks of benefit entitlement for the same disability under the Weekly Indemnity Plan payment shall not commence during a lay-off or strike until the termination of the lay-off or strike (52) weeks of benefits under the Weekly Indemnity Plan and for up to the next ensuing twelve (12) months is unable because of disease or injury to at his regular occupation, and unable to any and every duty of every in the mill for which he is reasonably fitted by education, training or experience AMOUNT OF BENEFIT

ORDINATION OF BENEFITS. This plan (Applicable to Extended Health Care and Dental Care Coverages) If a person who is covered under this Benefit Plan is also covered under any other Plan, any claim under this Benefit Plan will pay either its regular full be co-ordinated so that the total amount payable from all Plans does not exceed of the Eligible Expenses incurred. Manulife Financial may obtain from or a reduced amount which when added release to benefits available under plan any person or plans will equal corporation, any information considered necessary to satisfy the intent of covered Covered expense means any necessary reasonable this Co-ordination of Benefits provision and expense incurred while eligible for payment of benefits under this or of which would be payable under any of plans but not any expenses contained in the list of Exclusions 'Benefit Plan' means any plan under which medical or dental benefits or services are provided by Group insurance or any other arrangement of coverage for individuals in . If a group whether or not insured, or Any prepayment arrangement, or Any coverage for students which Covered Person is sponsored or provided through a school or other educational institution TERMINATION OF BENEFITS of Employment In the event of termination of employment for any reason, benefits will on the date of of employment Workers' Compensation Disabled employees on Workers Compensation will be eligible for benefits for up to months after the date of disability Weekly Indemnity Disabled employees on Weekly Indemnity will be eligible for benefits for up to months after the date of disability Leave Absence If you are on Leave of Absence your insurance be continued until the end of the month the month in which the leave of Absence If you are laid off your insurance will be continued until the end of the policy monthfollowing the policy month in which the lay-off starts It IS necessary to notify your employer of any change in the number of dependents which will result a change from one to another of the following classifications Employee dependents Employee dependents This information is necessary so Insurance Company can adjust your coverage accordingly PAYMENT OF Your employer has the forms for submitting proof When form has been completed return lo your employer Benefits will be paid upon of required proofs The Long Term Disability Plan shall be administered in accordance with terms of an insurance policy and shall contain the following governing provisions The Long Term Disability Benefit Plan shall compulsory for all employees, who are participants in. and who are covered under the terms of the Weekly Indemnity Plan EFFECTIVE DATE OF COVERAGE An eligible employee absent from work due to sickness or accident at the effective date of the plan shall eligible for Long Term Disability Plan benefits at the return to continuous active full- time employment over a thirty (30) calendar day period An eligible employee absent from work due to lay-off at the effective date of the plan, shall be entitled to Long Term Disability Plan benefits upon recall on reporting to work The Company shall have the right to give medical examinations to returning from such lay-off lo determine their eligibility the plan An insured employee shall be eligible to receive an amount of Long Term Disability a benefit under this Benefit after fifty-two weeks of benefit entitlement for Plan and the same disability or similar benefits under any other Plan, payment will be determined as follows: If the Weekly Indemnity other Plan payment shall does not commence during contain a layCo-off ordination of Benefits provision, that Plan pay its benefits before a Plan which does contain that provision. If the other Plan contains a Co-ordination of Benefits provision, priority will be given to the Plans in the following order: The Plan where the person is covered as member. However, if a person is a member of two Plans, priority will given to the Plans in the following order: the Plan where the member is an active full-time employee; the Plan where the member is an active part-time employee; the Plan where the member is a retiree. The Plan where the person is covered as a Dependent Spouse or strike until Dependent Child. However, if the termination person is covered as a Dependent Child under two or more Plans, priority will be given to the Plans in the following order: the Plan of the laymember with the earlier day and month of birth in the calendar year; the Plan of the member whose name begins with the earlier letter in the alphabet, if the parents have the same date of birth. In the case where the parents are separated or divorced, the order indicated above will not apply. In that case, priority be given to the Plans in the following order: the Plan of the parent custody of the Child; the Plan of the Spouse of the parent with custody of the Child; the Plan of the parent not having custody of the Child; the Plan of the Spouse of the parent not having custody of the Child. For dental accidents, health Plans with dental accident coverage determine their benefits before dental Plans. If priority cannot be established using these guidelines, the benefits will be pro-off rated among the Plans in proportion to the amounts would have been paid under each Plan had there been coverage under just that Plan. provision also applies to a person who is covered under this Benefit Plan as both an Employee and a Dependent, in the same way as if coverage was being co-ordinated with another Plan. In order to apply the of Benefits provision correctly in the case where Financial is not the payer, a copy of the receipt or strike (52) weeks claim form must be submitted with the explanation of benefits under provided by the Weekly Indemnity Plan and for up to the next ensuing twelve (12) months is unable because of disease or injury to at his regular occupation, and unable to any and every duty of every in the mill for which he is reasonably fitted by education, training or experience AMOUNT OF BENEFITother Plan.

ORDINATION OF BENEFITS. This plan will pay either its regular full If a member or a reduced amount which when added to benefits available dependent is insured under plan or plans will equal another policy, payment of covered Covered expense means any necessary reasonable and expense incurred while eligible for benefits under this policy will be determined as follows: If the other policy does not contain a co-ordination of benefits clause, payment under the other policy must be made before we will pay under this provision. If the other policy does contain a co-ordination benefits clause, priority of payment will be attributed the following order: The plan where the person is covered as a member, If a person is covered under two plans, priority goes the plan where the member is a full-time employee The plan where the person is covered as a member. The plan of the parent with the earlier in the calendar year. The plan of the parent whose first name begins with earlier letter in the alphabet, if the parents have same birth date. In situations where parents are then the following order applies: The plan of the parent with custody of the dependent child, The plan of the spouse of the parent with custody of the dependent child, The plan of the parent not having custody of the dependent child, The plan of the spouse of the parent not having custody of the dependent child. Following payment under another policy, the amount benefits payable under this policy will not exceed the amount of eligible expenses incurred less the amount by the other policy. If the member has a medically determinable physical mental impairment due to injury or disease prevents him from performing the regular duties of occupation in which would he participated just before the impairment started: regardless of the availability of work for him, or The insured dependent has a medically determinable physical or mental impairment due to injury or disease, is receiving treatment from a physician and is confined to a hospital or his home. will be payable for eligible expenses related to the provided they are incurred within days of the ate of termination and this provision continues in force. Expenses for which benefits are payable under any of plans but not any expenses contained in the list of Exclusions 'Plan' means any plan under which medical a Worker's Safety Insurance Board Act or dental benefits similar statute, Expenses incurred due to internationally self-inflicted injuries, Expenses incurred due to civil disorder or services are provided by Group insurance or any other arrangement of coverage for individuals in a group war, whether or not insuredwar was declared, Expenses for services and products rendered or Any prepayment arrangement, or Any coverage for students which prescribedby a person who is sponsored or provided through ordinarily a school or other educational institution TERMINATION OF BENEFITS of Employment In the event of termination of employment for any reason, benefits will on the date of of employment Workers' Compensation Disabled employees on Workers Compensation will be eligible for benefits for up to months after the date of disability Weekly Indemnity Disabled employees on Weekly Indemnity will be eligible for benefits for up to months after the date of disability Leave Absence If you are on Leave of Absence your insurance be continued until the end of the month the month in which the leave of Absence If you are laid off your insurance will be continued until the end of the policy monthfollowing the policy month in which the lay-off starts It IS necessary to notify your employer of any change resident in the number of dependents patient's home or who is related to the patient by blood or marriage, Expenses for which will result benefits are payable under a change from one to another of the following classifications Employee dependents Employee dependents This information is necessary so Insurance Company can adjust your coverage accordingly PAYMENT OF Your employer has the forms for submitting proof When form has been completed return lo your employer Benefits will be paid upon of required proofs The Long Term Disability Plan shall be administered in accordance with terms of an insurance policy and shall contain the following governing provisions The Long Term Disability Benefit Plan shall compulsory for all employees, who are participants in. and who are covered under the terms of the Weekly Indemnity Plan EFFECTIVE DATE OF COVERAGE An eligible employee absent from work due to sickness or accident at the effective date of the plan shall eligible for Long Term Disability Plan benefits at the return to continuous active full- time employment over a thirty (30) calendar day period An eligible employee absent from work due to lay-off at the effective date of the government plan, shall be entitled to Long Term Disability Plan Expensesfor benefits upon recall on reporting to work The Company shall have which are legally prohibited by the right to give government from coverage, Out-Of-Province expenses for elective (non-emergency) medical examinations to returning from such lay-off lo determine their eligibility the plan An insured employee shall be eligible to receive an amount of Long Term Disability Benefit after fifty-two weeks of benefit entitlement for the same disability under the Weekly Indemnity Plan payment shall not commence during a lay-off treatment or strike until the termination of the lay-off or strike (52) weeks of benefits under the Weekly Indemnity Plan and for up to the next ensuing twelve (12) months is unable because of disease or injury to at his regular occupation, and unable to any and every duty of every in the mill for which he is reasonably fitted by education, training or experience AMOUNT OF surgery. EXTENDED HEALTH PAY DIRECT DRUG BENEFIT

ORDINATION OF BENEFITS. This plan will pay either its regular full If you or a reduced amount which when added dependent is entitled to benefits available for the same expenses under another group or government plan or plans will equal of covered Covered expense means any necessary reasonable as both an employee and expense incurred while eligible for benefits dependent under this plan or as a dependent of which would be payable both parents under any of plans but not any expenses contained in the list of Exclusions 'Plan' means any plan under which medical or dental benefits or services are provided by Group insurance or any other arrangement of coverage for individuals in a group whether or not insured, or Any prepayment arrangement, or Any coverage for students which is sponsored or provided through a school or other educational institution TERMINATION OF BENEFITS of Employment In the event of termination of employment for any reasonthis plan, benefits will on be coordinated so that the total benefits all plans will not exceed expenses. You and your spouse should first submit your own claims through your own group plan. Claims for dependent children should be submitted to the plan of the parent who has the earlier birth date in the calendar year (the year of birth is not considered). If you are separated or divorced, the plan which will pay benefits for your children will be determined in the following order: the plan of employment the parent with custody of the child; the plan of the spouse of the parent with custody of the child; the plan of the parent without custody of the child; the plan of the spouse of the parent without custody of the child You may submit a claim to the plan of the other spouse for any amount which is not paid by the first plan. If any claims are eligible for reimbursement any government or automobile insurance plan, claims should first be submitted to that plan. The balance of the claim may be submitted to this plan as described above. Your health does not cover and and supplies in the following situations: Injury sustained while for pay or profit Illness for which you or your dependents are covered under Workers' Compensation Disabled employees on Workers Compensation will be eligible or similar Services received for benefits confinement which is primarily for up to months after the date of disability Weekly Indemnity Disabled employees on Weekly Indemnity will be eligible for benefits for up to months after the date of disability Leave Absence If chronic or custodial care Services received in a government hospital unless you are on Leave of Absence your insurance be continued until the end of the month the month in required to pay for such services Services to which the leave patient is entitled without charges, or for which there would be no charge if there were no insurance Services or portion thereof provided under any government sponsored hospital or medical care Aesthetic surgery (cosmetic surgery for beautification purposes) Services furnished without charge or paid for directly or indirectly by any government or for which a government prohibits payment of Absence If you are laid off your insurance will be continued until benefits Services received from a dental or medical department maintained by the end employer, a mutual benefit association, labor union, trustee or similar type of group Service, including part-time or temporary service, in the policy monthfollowing the policy month in which the lay-off starts It IS necessary to notify your employer armed forces of any change in the number of dependents which will result a change from one to another of the following classifications Employee dependents Employee dependents This information is necessary so Insurance Company can adjust your coverage accordingly PAYMENT OF Your employer has the forms for submitting proof When form has been completed return lo your employer Benefits will be paid upon of country Services required proofs The Long Term Disability Plan shall be administered in accordance with terms of an insurance policy and shall contain the following governing provisions The Long Term Disability Benefit Plan shall compulsory for all employees, who are participants in. and who are covered under the terms of the Weekly Indemnity Plan EFFECTIVE DATE OF COVERAGE An eligible employee absent from work due to sickness war (declared or accident at the effective date of the plan shall eligible for Long Term Disability Plan benefits at the return to continuous active full- time employment over undeclared), insurrection, or participation in a thirty (30) calendar day period An eligible employee absent from work not Services required due to layany intentional self-off at the effective date of the planinflicted injury or disease, shall be entitled to Long Term Disability Plan benefits upon recall on reporting to work The Company shall have the right to give medical examinations to returning from such lay-off lo determine their eligibility the plan An insured employee shall be eligible to receive an amount of Long Term Disability Benefit after fifty-two weeks of benefit entitlement for the same disability under the Weekly Indemnity Plan payment shall not commence during a lay-off while sane or strike until the termination of the lay-off or strike (52) weeks of benefits under the Weekly Indemnity Plan and for up to the next ensuing twelve (12) months is unable because of disease or injury to at his regular occupation, and unable to any and every duty of every in the mill for which he is reasonably fitted by education, training or experience AMOUNT OF BENEFITinsane.