Common use of TOTAL AND PERMANENT DISABILITY BENEFIT Clause in Contracts

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installments, as the employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments then remaining unpaid at three and one half percent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments not yet paid. This Appendix 5 is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 and the provisions of the policy, the latter will prevail. APPENDIX 6

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installmentsinstalments, as the employer Employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor therefore shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments instalments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments instalments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments instalments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 9 herein or Long Term Disability benefits, Appendix 11 herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments instalments not yet paid. This Appendix 5 10 is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 10 and the provisions of the policy, the latter will prevail. APPENDIX 6XXXXXXXX 00

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installmentsinstalments, as the employer Employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor therefore shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments instalments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments instalments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments instalments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 9 herein or Long Term Disability benefits, Appendix 11 herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments instalments not yet paid. This Appendix 5 is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 and the provisions of the policy, the latter will prevail. APPENDIX 6.

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanentlyPermanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installmentsinstalments, as the employer Employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 A herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments not yet paid. This Appendix 5 “B” is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 “B” and the provisions of the policy, the latter will prevail. APPENDIX 6“C” ADDICTION Both parties of this Collective Agreement do hereby recognize substance abuse as an addiction. The parties therefore pledge their co-operation in the early identification, counselling and subsequent treatment of any employee. APPENDIX “D” TECHNOLOGICAL CHANGE In the event of introduction to the plant of equipment representing new technology, the Company will meet with the Union 90 days in advance to discuss the effect upon members of the bargaining unit. Whenever possible, the necessary training and instructions of bargaining unit members will be given for continued employment with the Company if such changes result in lay-off, redundancy or loss of employment. Appendix “E”

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installmentsinstalments, as the employer Employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor therefore shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments instalments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments instalments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments instalments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 9 herein or Long Term Disability benefits, Appendix 11 herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments instalments not yet paid. This Appendix 5 10 is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 10 and the provisions of the policy, the latter will prevail. APPENDIX 611

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installments, as the employer Employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor therefore shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 herein or Long Term Disability benefits, Appendix herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments not yet paid. This Appendix 5 is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 and the provisions of the policy, the latter will prevail. APPENDIX 6APPENDIX

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanentlyPermanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installments, as the employer Employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives they receive or is are eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 A herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments not yet paid. This Appendix 5 “B” is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 “B” and the provisions of the policy, the latter will prevail. APPENDIX 6"C"

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanentlyPermanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installments, as the employer Employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 A herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments not yet paid. This Appendix 5 “B” is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 “B” and the provisions of the policy, the latter will prevail. APPENDIX 6"C" ADDICTION Both parties of this Collective Agreement do hereby recognize substance abuse as an addiction. The parties therefore pledge their co-operation in the early identification, counselling and subsequent treatment of any employee. APPENDIX “D” TECHNOLOGICAL CHANGE In the event of introduction to the plant of equipment representing new technology, the Company will meet with the Union 90 days in advance to discuss the effect upon members of the bargaining unit. Whenever possible, the necessary training and instructions of bargaining unit members will be given for continued employment with the Company if such changes result in lay-off, redundancy or loss of employment. APPENDIX “E”

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installments, as the employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor therefore shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments shall be paid but insurance on the life of such employee may be then revived under the group policy but hut shall be limited in amount to the value of the installments then remaining unpaid at three and one half percent per cent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 herein or Long Term Disability benefits, Appendix herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments not yet paid. This Appendix 5 is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 and the provisions of the policy, the latter will prevail. APPENDIX 6.

TOTAL AND PERMANENT DISABILITY BENEFIT. If due proof shall be furnished to the insurer that any employee insured under the group policy has while such insurance on such employee is in full force and effect, become wholly and permanently disabled by bodily injury or disease, and has been, is, and will be permanently, continuously and wholly prevented thereby from performing any work for compensation or profit, or from following any gainful occupation, the insurer will on receipt of such proof pay in full settlement of all obligations in connection with such employee under the group policy, the amount of insurance effective on his life at the date on which such disability commenced, in one sum or in installments, as the employer may elect. Payment to such employee or any person to whom the insurer may pay in the event of the death of such employee shall be a valid discharge of any amount payable on account of such total and permanent disability. No payment under this provision shall be made unless formal claim therefor shall be made while the group policy is in full force and effect not later than three months after the cessation of payment of premiums in respect of such employee. Provided always that notwithstanding proof of disability may have been accepted by the insurer as satisfactory, the employee, if payment by installments shall have been elected, shall as often as required furnish satisfactory proof of the continuance of such disability. If the employee shall fail to furnish such proof, or if he shall so far recover as to be able to engage in any gainful occupation then no further installments shall be paid but insurance on the life of such employee may be then revived under the group policy but shall be limited in amount to the value of the installments then remaining unpaid at three and one half percent interest. Without prejudice to any other cause of disability, the entire and irrecoverable loss of the sight of both eyes, or the total and permanent loss of use of both hands, or of both feet, or of one hand and one foot, shall be considered as total and permanent disability within the meaning hereof. The employee shall not be covered for total and permanent disability during any period for which he/she receives or is eligible to receive Weekly Indemnity benefits under the group insurance program, Appendix 4 herein. The Total and Permanent Disability Benefit is alternative to and not in addition to the Death Benefit. Consequently if a claim shall have been admitted under the Disability Benefit, no payment shall be due on the subsequent death of the employee other than the value of any of the installments not yet paid. This Appendix 5 is a summary of the principal features of the Life Insurance Plan, but the group policy is the governing document. In the event of any variation between the information in this Appendix 5 and the provisions of the policy, the latter will prevail. APPENDIX 66‌