Common use of Payment for Disability Benefits Clause in Contracts

Payment for Disability Benefits. The Disability Benefit under the Life Insurance will be payable to the employee at such time as their benefits under the Long Term Disability Plan are exhausted. However, they must be still totally and permanently dis- abled from the same or related cause for which their Long Term Disability Plan benefits were payable, and totally and permanently disabled within the definitions given in the Life Insurance contract. Once payment of the Disability Benefit under the Life Insurance contract is made, no further life insurance benefits are payable. - Blue Cross-type Plan 7 with Riders 1, 2, and 3. - Fifty per cent (50%) co-insurance on Riders 2 and 3. The Company agrees to pay one hundred per cent (100%) of the premium costs for the term of this Agreement. Effective September 1, 2009, 50% of the cost of Class II and Class III covered expenses based on the 2008 Ontario, Dental Association Schedule of Fees. Effective September 1, 2010, 50% of the cost of the Class II and Class III covered expenses based on the 2009 Ontario Dental Association Schedule of Fees. On September 1st of following years 50% of the cost of the Class II and Class III covered expenses will be updated to follow the Ontario Dental Association Schedule of Fees from the preceding year, consistent with the method used above. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The Plan is described in Appendix "G". - Prescription drugs - $10.00/$20.00 deductible The Company will pay the premium cost for the term of this Agreement. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The plan is described in Appendix "H". 2409 VISION CARE The Company will pay the premium cost of Vision Care during the term of this agreement. The following Vision Care expenses shall be considered eligible expenses: Effective May 1, 2005: frames, lenses and the fitting of prescription glasses, including contact lenses, up to a total payment of one hundred and fifty dollars ($150.00) per family member, once in any two (2) consecutive calendar years, provided there has been a change in prescription. Dependent children less than nineteen (19) years of age may receive benefits once every twelve (12) months. The following items and charges are not covered under this Vision Care Plan: - Industrial safety glasses - Tints, other than #1 or #2 tint - Charges for expenses covered by the Workplace Safety and Insurance Board, or any government agency or any third party. The Plan will provide coverage for dependents up to age twenty-five (25) if a full time student. Any mentally challenged or physically handicapped child who was covered up to the maximum age shall remain covered beyond such age, provided the child upon reaching the maximum age and thereafter, is incapable of self- sustaining employment and relies upon the employee for support and maintenance. A Joint Committee on welfare plans will be established. This Committee will consist of three (3) Union representatives (one from each of the three (3) Mill Unions) and not more than three (3) Company representatives. The Joint Committee shall not have the authority to make changes in the Welfare plans involving additional costs to either the employees or the Company. In the event of the death of a retiree covered under the health care benefit plan, the surviving spouse will have the option to continue to be covered by the plan provided the spouse pays the total cost of the premiums. If there is no pension payment from which to deduct the premiums, the spouse will have to supply to the Company postdated cheques covering the coming year’s premium

Payment for Disability Benefits. The Disability Benefit under the Life Insurance will be payable to the employee at such time as their benefits under the Long Term Disability Plan are exhausted. However, they must be still totally and permanently dis- abled from the same or related cause for which their Long Term Disability Plan benefits were payable, and totally and permanently disabled within the definitions given in the Life Insurance contract. Once payment of the Disability Benefit under the Life Insurance contract is made, no further life insurance benefits are payable. - Blue Cross-type Plan 7 with Riders 1, 2, and 3. - Fifty per cent (50%) co-insurance on Riders 2 and 3. The Company agrees to pay one hundred per cent (100%) of the premium costs for the term of this Agreement. Effective September 1, 20092016, 50% of the cost of Class II and Class III covered expenses based on the 2008 Ontario, 2015 Ontario Dental Association Schedule of Fees. Effective September January 1, 20102017, 50% of the cost of Class II and Class III covered expenses based on the 2016 Ontario Dental Association Schedule of Fees. Effective January 1, 2018, 50% of the cost of the Class II and Class III covered expenses based on the 2009 2017 Ontario Dental Association Schedule of Fees. On September 1st of following years 50% of the cost of the Class II and Class III covered expenses will be updated to follow the Ontario Dental Association Schedule of Fees from the preceding year, consistent with the method used above. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The Plan is described in Appendix "G". - Prescription drugs - $10.00/$20.00 deductible The Company will pay the premium cost for the term of this Agreement. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The plan is described in Appendix "H". 2409 VISION CARE The Company will pay the premium cost of Vision Care during the term of this agreement. The following Vision Care expenses shall be considered eligible expenses: Effective May 1, 2005: framesFrames, lenses and the fitting of prescription glasses, including contact lenses, lenses up to a total payment of one hundred and fifty dollars ($150.00) per family member, once in any two (2) consecutive calendar years, provided there has been a change in prescription. Effective January 1, 2017: Frames, lenses and the fitting of prescription glasses, including contact lenses or laser eye surgery, up to a total payment of two hundred dollars ($200.00) per insured family member, once in any two (2) consecutive calendar years. The Company will reimburse up to forty dollars ($40.00) maximum per insured family member for eye exams, once in any two (2) calendar years. Dependent children less than nineteen (19) years of age may receive benefits once every twelve (12) months. The following items and charges are not covered under this Vision Care Plan: - Industrial safety glasses - Tints, other than #1 or #2 tint - Charges for expenses covered by the Workplace Safety and Insurance Board, or any government agency or any third party. The Plan will provide coverage for dependents up to age twenty-five (25) if a full time student. Any mentally challenged or physically handicapped child who was covered up to the maximum age shall remain covered beyond such age, provided the child upon reaching the maximum age and thereafter, is incapable of self- sustaining employment and relies upon the employee for support and maintenance. A Joint Committee on welfare plans will be established. This Committee will consist of three (3) Union representatives (one from each of the three (3) Mill Unions) and not more than three (3) Company representatives. The Joint Committee shall not have the authority to make changes in the Welfare plans involving additional costs to either the employees or the Company. In the event of the death of a retiree covered under the health care benefit plan, the surviving spouse will have the option to continue to be covered by the plan provided the spouse pays the total cost of the premiums. If there is no pension payment from which to deduct the premiums, the spouse will have to supply to the Company postdated cheques covering the coming year’s premiumpremium payments. To maintain the coverage, the spouse will have to submit required information and payment as stipulated by the Company’s procedures. The coverage will cease effective the date this benefit plan coverage would have expired for the retiree, or earlier if there is a change to the surviving spouse’s marital status.

Payment for Disability Benefits. The Disability Benefit under the Life Insurance will be payable to the employee at such time as their benefits under the Long Term Disability Plan are exhausted. However, they must be still totally and permanently dis- abled disabled from the same or related cause for which their Long Term Disability Plan benefits were payable, and totally and permanently disabled within the definitions given in the Life Insurance contract. Once payment of the Disability Benefit under the Life Insurance contract is made, no further life insurance benefits are payable. - Blue Cross-type Plan 7 with Riders 1, 2, and 3. - Fifty per cent (50%) co-insurance on Riders 2 and 3. The Company agrees to pay one hundred per cent (100%) of the premium costs for the term of this Agreement. Effective September 1April 19, 20092005, 50% of the cost of Class II and Class III covered expenses based on the 2008 2004 Ontario, Dental Association Schedule of Fees. Effective September 1, 20102006, 50% of the cost of the Class II and Class III covered expenses based on the 2009 2005 Ontario Dental Association Schedule of Fees. On September 1st of following years 50% of the cost of the Class II and Class III covered expenses will be updated to follow the Ontario Dental Association Schedule of Fees from the preceding year, consistent with the method used in b) above. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The Plan is described in Appendix "GK". Blue Cross-type Plan: - Semi-private - Prescription drugs - $10.00/$20.00 deductible The Company will pay the premium cost for the term of this Agreement. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The plan is described in Appendix "HL". 2409 VISION CARE The Company will pay the premium cost of Vision Care during the term of this agreement. The following Vision Care expenses shall be considered eligible expenses: Effective May 1, 2005: frames, lenses and the fitting of prescription glasses, including contact lenses, up to a total payment of one hundred and fifty dollars ($150.00) per family member, once in any two (2) consecutive calendar years, provided there has been a change in prescription. Dependent children less than nineteen (19) years of age may receive benefits once every twelve (12) months. The following items and charges are not covered under this Vision Care Plan: - Industrial safety glasses - Tints, other than #1 or #2 tint - Charges for expenses covered by the Workplace Safety and Insurance Board, or any government agency or any third party. The Plan will provide coverage for dependents up to age twenty-five (25) if a full time student. Any mentally challenged or physically handicapped disabled child who was covered up to the maximum age shall remain covered beyond such age, provided the child upon reaching the maximum age and thereafter, is incapable of self- self-sustaining employment and relies upon the employee for support and maintenance. A Joint Committee on welfare plans will be established. This Committee will consist of three (3) Union representatives (one from each of the three (3) Mill Unions) and not more than three (3) Company representatives. The Joint Committee shall not have the authority to make changes in the Welfare plans involving additional costs to either the employees or the Company. In the event of the death of a retiree covered under the health care benefit plan, the surviving spouse will have the option to continue to be covered by the plan provided the spouse pays the total cost of the premiums. If there is no pension payment from which to deduct the premiums, the spouse will have to supply to the Company postdated cheques covering the coming year’s premium.

Payment for Disability Benefits. The Disability Benefit under the Life Insurance will be payable to the employee at such time as their benefits under the Long Term Disability Plan are exhausted. However, they must be still totally and permanently dis- abled from the same or related cause for which their Long Term Disability Plan benefits were payable, and totally and permanently disabled within the definitions given in the Life Insurance contract. Once payment of the Disability Benefit under the Life Insurance contract is made, no further life insurance benefits are payable. - Blue Cross-type Plan 7 with Riders 1, 2, and 3. - Fifty per cent (50%) co-insurance on Riders 2 and 3. The Company agrees to pay one hundred per cent (100%) of the premium costs for the term of this Agreement. Effective September 1, 2009, 50% of the cost of Class II and Class III covered expenses based on the 2008 Ontario, Dental Association Schedule of Fees. Effective September 1, 2010, 50% of the cost of the Class II and Class III covered expenses based on the 2009 Ontario Dental Association Schedule of Fees. On September 1st of following years 50% of the cost of the Class II and Class III covered expenses will be updated to follow the Ontario Dental Association Schedule of Fees from the preceding year, consistent with the method used above. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The Plan is described in Appendix "GI". Blue Cross-type Plan: - Semi-private - Prescription drugs - $10.00/$20.00 deductible The Company will pay the premium cost for the term of this Agreement. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. The plan is described in Appendix "HJ". 2409 VISION CARE The Company will pay the premium cost of Vision Care during the term of this agreement. The following Vision Care expenses shall be considered eligible expenses: Effective May 1, 2005: frames, lenses and the fitting of prescription glasses, including contact lenses, up to a total payment of one hundred and fifty dollars ($150.00) per family member, once in any two (2) consecutive calendar years, provided there has been a change in prescription. Dependent children less than nineteen (19) years of age may receive benefits once every twelve (12) months. The following items and charges are not covered under this Vision Care Plan: - Industrial safety glasses - Tints, other than #1 or #2 tint - Charges for expenses covered by the Workplace Safety and Insurance Board, or any government agency or any third party. The Plan will provide coverage for dependents up to age twenty-five (25) if a full time student. Any mentally challenged or physically handicapped disabled child who was covered up to the maximum age shall remain covered beyond such age, provided the child upon reaching the maximum age and thereafter, is incapable of self- self-sustaining employment and relies upon the employee for support and maintenance. A Joint Committee on welfare plans will be established. This Committee will consist of three (3) Union representatives (one from each of the three (3) Mill Unions) and not more than three (3) Company representatives. The Joint Committee shall not have the authority to make changes in the Welfare plans involving additional costs to either the employees or the Company. In the event of the death of a retiree covered under the health care benefit plan, the surviving spouse will have the option to continue to be covered by the plan provided the spouse pays the total cost of the premiums. If there is no pension payment from which to deduct the premiums, the spouse will have to supply to the Company postdated cheques covering the coming year’s premium.

Payment for Disability Benefits. The Disability Benefit under the Life Insurance will be payable to the employee at such time as their benefits under the Long Term Disability Plan are exhausted. However, they must be still totally and permanently dis- abled from the same or related cause for which their Long Term Disability Plan benefits were payable, and totally and permanently disabled within the definitions given in the Life Insurance contract. Once payment of the Disability Benefit under the Life Insurance contract is made, no further life insurance benefits are payable. - Blue Cross-type Plan 7 with Riders 1, 2, and 3. - Fifty per cent (50%) co-insurance on Riders 2 and 3. The Company agrees to pay one hundred per cent (100%) of the premium costs for the term of this Agreement. Effective September January 1, 2009, 50% of the cost of Class II and Class III covered expenses based on the 2008 Ontario, Dental Association Schedule of Fees. Effective September 1, 20102018, 50% of the cost of the Class II and Class III covered expenses based on the 2009 2017 Ontario Dental Association Schedule of Fees. On September 1st of following years Effective January 1, 2019, 50% of the cost of the Class II and Class III covered expenses will be updated to follow based on the 2018 Ontario Dental Association Schedule of Fees from Fees. Effective January 1, 2020, 50% of the preceding yearcost of the Class II and Class III covered expenses based on the 2019 Ontario Dental Association Schedule of Fees. Effective January 1, consistent with 2021, 50% of the method used abovecost of the Class II and Class III covered expenses based on the 2020 Ontario Dental Association Schedule of Fees. Effective January 1, 2022, 50% of the cost of the Class II and Class III covered expenses based on the 2021 Ontario Dental Association Schedule of Fees. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. Effective September 1st, 2019 The Plan is described in Appendix "G". - Prescription drugs - $10.00/$20.00 deductible The Company will pay the premium cost for the term of this Agreement. NOTE: Effective January 1, 2013 the company and new employees will cost share the premium costs of 80% Company and 20% new employees. Effective September 1st, 2019 The plan is described in Appendix "H". 2409 VISION CARE The Company will pay the premium cost of Vision Care during the term of this agreement. The following Vision Care expenses shall be considered eligible expenses: Effective May 1, 2005: framesFrames, lenses and the fitting of prescription glasses, including contact lenseslenses or laser eye surgery, up to a total payment of one two hundred and fifty dollars ($150.00200.00) per insured family member, once in any two (2) consecutive calendar years. Effective January 1, provided there has been 2021: Frames, lenses and the fitting of prescription glasses, including contact lenses or laser eye surgery, up to a change total payment of two hundred and forty dollars ($240.00) per insured family member, once in prescriptionany two (2) consecutive calendar years. The Company will reimburse up to forty dollars ($40.00) maximum per insured family member for eye exams, once in any two (2) calendar years. Dependent children less than nineteen (19) years of age may receive benefits once every twelve (12) months. The following items and charges are not covered under this Vision Care Plan: - Industrial safety glasses - Tints, other than #1 or #2 tint - Charges for expenses covered by the Workplace Safety and Insurance Board, or any government agency or any third party. The Plan will provide coverage for dependents up to age twenty-five (25) if a full time student. Any mentally challenged or physically handicapped child who was covered up to the maximum age shall remain covered beyond such age, provided the child upon reaching the maximum age and thereafter, is incapable of self- sustaining employment and relies upon the employee for support and maintenance. A Joint Committee on welfare plans will be established. This Committee will consist of three (3) Union representatives (one from each of the three (3) Mill Unions) and not more than three (3) Company representatives. The Joint Committee shall not have the authority to make changes in the Welfare plans involving additional costs to either the employees or the Company. In the event of the death of a retiree covered under the health care benefit plan, the surviving spouse will have the option to continue to be covered by the plan provided the spouse pays the total cost of the premiums. If there is no pension payment from which to deduct the premiums, the spouse will have to supply to the Company postdated cheques covering the coming year’s premiumpremium payments. To maintain the coverage, the spouse will have to submit required information and payment as stipulated by the Company’s procedures. The coverage will cease effective the date this benefit plan coverage would have expired for the retiree, or earlier if there is a change to the surviving spouse’s marital status.