Common use of PENSION AND BENEFITS Clause in Contracts

PENSION AND BENEFITS. 19.01 The Employer will provide an Extended Health Insurance Plan as follows: Life Insurance Amount 2x annual earnings Max $200,000 Premium Taxable 100% Employer Termination 70 or retirement Basic AD&D Amount 2x annual earnings Max $200,000 Premium Taxable 100% Employer Termination 70 or retirement Optional Life Unit size $10,000 Max $500,000 Proof of good health Required Premium 100% Employee Termination earlier of age 70 or retirement Spousal Optional Life Unit size $10,000 Max $100,000 Proof of good health Required Premium 100% Employee Termination earlier of spouse's 70th or employee's retirement EHC Overall Deductible: None Premium 80% Employer 20% Employee Reimbursement 100% Termination earlier of age 70 or retirement Hospital Accommodation Rehab hospital immediately after inpatient in hospital 120 days/calendar year Drugs & Medicines Drug Dispensing Fee $8.50/prescription Smoking Cessation Aids No Vitamins, vitamin/ mineral preparations, food supplements; No Fertility drugs; No Contraceptives (other than oral). No Hearing Aids hearing aid, repairs, initial batteries $500/60 months $500/36 months hearing tests Yes Replacement batteries Yes Vision Care eyeglass frames and corrective lenses, contact lenses, and repairs to frames & corrective lenses $400/24 months * (effective June 1, 2017) Eye Exam $54/24 months Eyeglasses and contact lenses needed due to a surgical procedure or the surgical treatment of keratoconus $150/person/lifetime Nursing Care & Services (RN) Limit $35,000/person/lifetime Practitioner Services Physiotherapist/ Certified Athletic Therapist/ Occupational Therapist $500/calendar year Clinical Psychologist/ Marriage and Family Therapist/Social Work $300/calendar year Massage Therapist $400/calendar year with physician or nurse practitioner referral Speech Pathologist/Therapist $300/calendar year Speech Aids $500 lifetime Chiropractor, Osteopath, Podiatrist, Chiropodist, Naturopath $300 each paramedical per year x-rays Yes Prosthetic Appliances Braces, splints, trusses, casts, cervical collars one brace/body part per 24 consecutive months surgical brassieres, after mastectomy 6/person/calendar year Xxxxx socks 9/person/calendar year Xxxxx sheaths 6/person/calendar year Surgical elastic stockings with a mean compression value of 25mmHg or higher 6/person/calendar year Wigs, after radiation or chemotherapy $500/person/lifetime Intra-ocular lens implants, contact lenses or cataract eyeglasses as a substitute for natural lens/lenses after cataract surgery or when the person lacks an organic lens $300/lifetime Custom-moulded orthopaedic boots or shoes made from a positive cast All orthopaedic boots, shoes, orthotics and modifications Custom-moulded orthotics fabricated using raw material combined $550 max/calendar year Travel Benefit Maximum $1,000,000 per calendar year Trip Duration 60 days per trip Out of Canada Referral $50,000/person/calendar year Termination Earlier of age 70 or retirement The Employer will provide a Dental Insurance Plan as follows: Dental Max Basic Major Basic & Major Combined $2500 per person/calendar year Orthodontic $1,750 lifetime for dependents age 18 and under Premium 80% Employer 20% Employee Deductible None Reimbursement Basic 100% Major co pay 50% Employer/50% Employee Endodontic 100% Orthodontic co pay 50% Employer/50% Employee Fee Guide Current less 1 year ODA Fee Guide of General Practitioners Termination Earlier of age 70 or retirement Examinations Complete oral once every 3 years Recall oral once every 9 months Specific oral No Emergency No

PENSION AND BENEFITS. 19.01 The Employer will provide an Extended Health Insurance Plan as follows: Life Insurance Amount 2x annual earnings Max $200,000 Premium Taxable 100% Employer Termination 70 or retirement Basic AD&D Amount 2x annual earnings Max $200,000 Premium Taxable 100% Employer Termination 70 or retirement Optional Life Unit size $10,000 Max $500,000 Proof of good health Required Premium 100% Employee Termination earlier of age 70 or retirement Spousal Optional Life Unit size $10,000 Max $100,000 Proof of good health Required Premium 100% Employee Termination earlier of spouse's 70th or employee's retirement EHC Overall Deductible: None Premium 80% Employer 20% Employee Reimbursement 100% Termination earlier of age 70 or retirement Hospital Accommodation Rehab hospital immediately after inpatient in hospital 120 days/calendar year Drugs & Medicines Drug Dispensing Fee $8.50/prescription Smoking Cessation Aids No Vitamins, vitamin/ mineral preparations, food supplements; No Fertility drugs; No Contraceptives (other than oral). No Hearing Aids hearing aid, repairs, initial batteries $500/60 months $500/36 months hearing tests Yes Replacement batteries Yes Vision Care eyeglass frames and corrective $450/24 months * (effective January 1, 2024) lenses, contact lenses, and repairs to frames & corrective lenses $400/24 months * (effective June 1, 2017) Eye Exam $54/24 months Eyeglasses and contact lenses needed due to a surgical procedure or the surgical treatment of keratoconus $150/person/lifetime Nursing Care & Services (RN) Limit $35,000/person/lifetime Practitioner Services Physiotherapist/ Certified Athletic Therapist/ Occupational Therapist $500/calendar year Clinical Psychologist/ Registered Psychotherapist /Social Work (MSW) $1,200 combined total/calendar year (effective January 1, 2024) Marriage and Family Therapist/Social Work Therapist $300/calendar year Massage Therapist $400/calendar year with physician or nurse practitioner referral Speech Pathologist/Therapist $300/calendar year Speech Aids $500 lifetime Chiropractor, Osteopath, Podiatrist, Chiropodist, Naturopath $300 each paramedical per year x-rays Yes Prosthetic Appliances Braces, splints, trusses, casts, cervical collars one brace/body part per 24 consecutive months surgical brassieres, after mastectomy 6/person/calendar year Xxxxx socks 9/person/calendar year Xxxxx sheaths 6/person/calendar year Surgical elastic stockings with a mean compression value of 25mmHg or higher 6/person/calendar year Wigs, after radiation or chemotherapy $500/person/lifetime Intra-ocular lens implants, contact lenses or cataract eyeglasses as a substitute for natural lens/lenses after cataract surgery or when the person lacks an organic lens $300/lifetime Custom-moulded orthopaedic boots or shoes made from a positive cast All orthopaedic boots, shoes, orthotics and modifications Custom-moulded orthotics fabricated using raw material combined $550 max/calendar year Travel Benefit Maximum $1,000,000 per calendar year Trip Duration 60 days per trip Out of Canada Referral $50,000/person/calendar year Termination Earlier of age 70 or retirement The Employer will provide a Dental Insurance Plan as follows: Dental Max Basic Major Basic & Major Combined $2500 per person/calendar year Orthodontic $1,750 lifetime for dependents age 18 and under Premium 80% Employer 20% Employee Deductible None Reimbursement Basic 100% Major co pay 50% Employer/50% Employee Endodontic 100% Orthodontic co pay 50% Employer/50% Employee Fee Guide Current less 1 year ODA Fee Guide of General Practitioners Termination Earlier of age 70 or retirement Examinations Complete oral once every 3 years Recall oral once every 9 months Specific oral No Emergency No

PENSION AND BENEFITS. 19.01 The Employer will provide an Extended Health Insurance Plan as follows: Life Insurance Amount 2x annual earnings Max $200,000 Premium Taxable 100% Employer Termination 70 or retirement Basic AD&D Amount 2x annual earnings Max $200,000 Premium Taxable 100% Employer Termination 70 or retirement Optional Life Unit size $10,000 Max $500,000 Proof of good health Required Premium 100% Employee Termination earlier of age 70 or retirement Spousal Optional Life Unit size $10,000 Max $100,000 Proof of good health Required Premium 100% Employee Termination earlier of spouse's 70th or employee's retirement EHC Overall Deductible: None Premium 80% Employer 20% Employee Reimbursement 100% Termination earlier of age 70 or retirement Hospital Accommodation Rehab hospital immediately after inpatient in hospital 120 days/calendar year Drugs & Medicines Drug Dispensing Fee $8.50/prescription Smoking Cessation Aids No Vitamins, vitamin/ mineral preparations, food supplements; No Fertility drugs; No Contraceptives (other than oral). No Hearing Aids hearing aid, repairs, initial batteries $500/60 months $500/36 months (effective April 1, 2013) hearing tests Yes Replacement batteries Yes Vision Care eyeglass frames and corrective lenses, contact lenses, and repairs to frames & corrective lenses $400/24 300/24 months $350/24 months * (effective June April 1, 20172013) Eye Exam $54/24 months Eyeglasses and contact lenses needed due to a surgical procedure or the surgical treatment of keratoconus $150/person/lifetime Nursing Care & Services (RN) Limit $35,000/person/lifetime Practitioner Services Physiotherapist/ Certified Athletic Therapist/ Occupational Therapist $500/calendar year Clinical Psychologist/ Marriage and Family Therapist/Social Work $300/calendar year Massage Therapist $400300/calendar year with physician or nurse practitioner referral Speech Pathologist/Therapist $300/calendar year Speech Aids $500 lifetime Chiropractor, Osteopath, Podiatrist, Chiropodist, Naturopath $300 each paramedical per year x-rays Yes Prosthetic Appliances Braces, splints, trusses, casts, cervical collars one brace/body part per 24 consecutive months surgical brassieres, after mastectomy 6/person/calendar year Xxxxx socks 9/person/calendar year Xxxxx sheaths 6/person/calendar year Surgical elastic stockings with a mean compression value of 25mmHg or higher 6/person/calendar year Wigs, after radiation or chemotherapy $500/person/lifetime Intra-ocular lens implants, contact $300/lifetime lenses or cataract eyeglasses as a substitute for natural lens/lenses after cataract surgery or when the person lacks an organic lens $300/lifetime Custom-moulded orthopaedic boots or shoes made from a positive cast All orthopaedic boots, shoes, orthotics and modifications Custom-moulded orthotics fabricated using raw material combined $550 max/calendar year Travel Benefit Maximum $1,000,000 per calendar year Trip Duration 60 days per trip Out of Canada Referral $50,000/person/calendar year Termination Earlier of age 70 or retirement The Employer will provide a Dental Insurance Plan as follows: Dental Max Basic Major Basic & Major Combined $2500 per person/calendar year Orthodontic $1,750 lifetime for dependents age 18 and under Premium 80% Employer 20% Employee Deductible None Reimbursement Basic 100% Major co pay 50% Employer/50% Employee Endodontic 100% Orthodontic co pay 50% Employer/50% Employee Fee Guide Current less 1 year ODA Fee Guide of General Practitioners Termination Earlier of age 70 or retirement Examinations Complete oral once every 3 years Recall oral once every 9 months Specific oral No Emergency No