Common use of Weekly Indemnity Clause in Contracts

Weekly Indemnity. (i) Weekly Indemnity - 66 2/3% of your weekly salary payable to a maximum weekly benefit of $650.00 per week for 26 weeks. Benefits begin on the 1st day if disability is due to injury and the 4th day if disability is due to sickness. If hospitalized, benefits will begin on the 1st day. (ii) Benefits will not be paid beyond: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or elect to receive pension funds; or □ the date you engage in any work or occupation; or □ the date you fail to furnish satisfactory evidence of total disability or refuse to submit to a medical examination by a physician chosen by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) any period of disability by The Workers’ Compensation Act or any similar legislation. Any employee will be eligible to apply for Group Insurance benefits while the employee’s claim is under appeal to the Saskatchewan Workers’ Compensation Board. If the appeal is successful, the employee shall be solely responsible for repayment of any benefits claimed under the Group Insurance Plan. (2) any disability resulting from or caused by: □ intentionally self-inflicted injury, while sane or insane; □ insurrection, war or hostilities of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically necessary. However, periods of disability due to the donation of an organ or tissue will be covered. The Company will amend the Group Contract to provide coverage for tubal ligation and vasectomy. All other cosmetic surgery will be excluded from the contract. □ use of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatment. (3) Any disability if: □ as a result of injury or sickness for which a third party is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or during the first 30 days under the care of a licensed chiropractor; □ you are imprisoned; □ you are on maternity leave, parental leave or any other leave of absence. (4) No further benefits will be payable from the date you refuse to participate in a rehabilitation program which is considered appropriate by the Insurance Company.

Weekly Indemnity. (i) The Company provide a Weekly Indemnity - 66 2/3% of your weekly salary payable to Plan which contains To provide a maximum weekly benefit of $650.00 per week for 26 weeksequal to of40 or hours at an rate with no maximum. A daily benefit formula to be equal to of40 or hours at an rate with no maximum. Employees who are regularly scheduled to work a hour workweek have their benefits calculated on that base. Benefits begin on the 1st first day of an accident, first day of hospitalization, fourth day of sickness for a maximum period of weeks. Hospitalization a stay in the hospital for at least eighteen hours, or if disability is due an outpatient, surgery was performed that could not have been done in the doctor’s office. To requalify for full benefit of weeks for recurring illness an employee must be actively employed for a period of thirty The Company pay the full premium for each active employee covered under this Plan. A modified Weekly Indemnity Plan for employees hired as “Temporary Relief‘ to injury provide a benefit as stated above to be applicable only during the term of “temporary relief’ employment and benefits November will be implemented at no cost to the employee It isunderstood that the rebate to employees under will be retained by the Company. The Company and the 4th day if disability Union hereby agree as follows: Any employee, member of the Union, may at his discretion elect to designate Floating Holidays for scheduled work days to satisfy the waiting period to qualify for benefits payable under the Weekly Indemnity Plan. Any employee, member of the Union, who is disabled for a period exceeding three (3) consecutive days during his scheduled vacation period due to sickness. If hospitalized, benefits will begin on the 1st day. (ii) Benefits will not be paid beyond: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or may at his discretion elect to receive pension funds; Weekly Indemnity benefits in lieu of any remaining full calendar week or □ of previously scheduled vacation. An employee who takes this option must designate a proportionate number of consecutive days (beginning on the date you engage first day ofsickness) of a given calendar week of previously scheduled vacation to satisfy waiting period to qualify for benefits payable under the Indemnity Plan. The benefit period will commence in any work or occupation; or □ the date you fail to furnish satisfactory evidence first calendar week following that in which days of total disability or refuse to submit to a medical examination by a physician chosen by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) any period of disability by The Workers’ Compensation Act or any similar legislationvacation have not been designated as waiting period. Any employee employee, member of the Union, who is disabled during his scheduled vacation period due to accidental bodily injury or sickness requiring hospitalization, may at his discretion, elect to receive Weekly Indemnity benefits in lieu of any remaining full calendar week or weeks of previously scheduled vacation. The benefit period will commence in the first calendar week following that in which the accidental bodily injury or hospitalization occurred. Employees exercising the options described in section and above, whereby full weeks of previously scheduled vacations may be cancelled in lieu of Weekly Indemnity benefit payment, will be eligible required to apply for Group Insurance benefits while the employee’s claim is under appeal take an amountoftime offequivalent to the Saskatchewan Workers’ Compensation Board. If deferredweek or weeks within the appeal is successful, the employee shall be solely responsible for repayment of any benefits claimed under the Group Insurance Plan. (2) any disability resulting from or caused by: □ intentionally self-inflicted injury, while sane or insane; □ insurrection, war or hostilities of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically necessary. However, periods of disability due same calendar year and subject to the donation terms of an organ or tissue will be coveredofthe Collective Agreement between the Company and the Union. Employees who are a member ofthe Union, not receive Weekly Indemnity Benefit payment simultaneously with vacation floating holiday pay except as noted in Article of the Collective Agreement between the Company and the Union. The Company arid the Union further agree that all of the foregoing for all intents and purposes become part of the Collective Agreement between the parties as stipulated in Article of the said Collective Agreement. The Company will amend provide a Life Insurance Plan which contains the Group Contract following provisions: Life Insurance and coverage one and one half times earnings maximum (2,080hours x status rate to be used to establish level of coverage per employee). Company will pay premium cost. Each active employee excluding “Temporary Relief will have the option ofpurchasing an additional with hour Accidental Death and Dismemberment provision coverage at the rate per thousand coverage. A basic coverage of one and one half times earnings, maximum of life insurance and Accidental Death and Dismemberment provision will be provided for employees on total disability prior to age and up to retirement age Effective October I, the Company provide life insurance coverage for tubal ligation and vasectomyemployees retiring that date. All other cosmetic surgery The Company will be excluded from pay the contract. □ use cost of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatmentthis policy. (3) Any disability if: □ as a result of injury or sickness for which a third party is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or during the first 30 days under the care of a licensed chiropractor; □ you are imprisoned; □ you are on maternity leave, parental leave or any other leave of absence. (4) No further benefits will be payable from the date you refuse to participate in a rehabilitation program which is considered appropriate by the Insurance Company.

Weekly Indemnity. (i) When bodily injury caused by non-occupational accident or sickness disables an employee so that the employee cannot work, the Company will make provisions for payment to such employee a Weekly Indemnity - 66 2/3% Benefit based on "Insurable Weekly as follows: Sixty percent (60%) of your weekly salary payable the Regular Hourly Base Rate times or of the employee's regular insurable earnings (as used by the Unemployment Insurance Commission) whichever is the greater, to a maximum weekly of four hundred and forty eight dollars Should the earnings index under the Unemployment Insurance Act change the criteria for maximum benefit, the Company shall adjust the maximum benefit of four hundred and dollars ($650.00 per week 425.00) to the extent of minimum qualification requirements of Weekly Indemnity provision for 26 weekspremium reductions under the said Act. Benefits begin on The Company will provide a disability program that for fifteen (15) weeks of Weekly Indemnity, after which, if the 1st day if disability employee is due unable to injury and return to work will apply for Long Term Disability to be paid for a maximum period of two (2) years, but not beyond age sixty-five (65). The Long Term payable at the 4th day if disability same dollar amount as the weekly Indemnity Benefit. To qualify an employee must be considered totally disabled. Definition of total disability, is due unable to sicknessperform at least of own occupation. If hospitalized, Long Term Disability benefits will begin on the 1st day. be offset by Primary Canada Pension plan payments and Compensation The Company will employees for delays benefits in excess of two (ii2) Benefits will not be paid beyond: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or elect to receive pension funds; or □ the date you engage in any work or occupation; or □ the date you fail to furnish satisfactory evidence of total disability or refuse to submit to a medical examination by a physician chosen by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) any period of disability by The Workers’ Compensation Act or any similar legislation. Any employee weeks and will be eligible to apply for Group Insurance reimburse once benefits while are If disabled employee receiving widowers and/or Workers' Compensation payments the employee’s claim is under appeal to the Saskatchewan Workers’ Compensation Board. If the appeal is successful, the employee shall be solely responsible for repayment of any benefits claimed under Long Term Disability payment from the Group Insurance Plan. carrier may be reduced so that the Employees income will not exceed (285) any disability resulting from or caused by: □ intentionally self-inflicted injury, while sane or insane; □ insurrection, war or hostilities percent of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting income prior to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically necessarythe Weekly Indemnity claim. However, periods Periods of disability due to the donation of an organ or tissue same cause will be covered. The Company will amend treated as a different period of disability if the Group Contract employee has returned to provide coverage full time employment for tubal ligation a period of fourteen (14) calendar days, and vasectomy. All other cosmetic surgery periods of disability for wholly different causes will be excluded treated as a new period of disability, where the employee has returned to full time work. Benefits will be payable from the contract. □ use first day of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatment. (3) Any disability if: □ as a result of an accident or if confined to a hospital and the eighth (8th) day of disability as a result of sickness. The date on which the disability begins shall be deemed to be the first day upon which the employee fails to report to the Company for work, or is required to cease work before the regular quitting time, and the date upon which the disability terminates shall be deemed to be the date before the first day upon which the employee capable of returning to work. This date shall be that set by the attending physician. Part weeks shall be indemnified at the rate of one-seventh of the weekly amount for each calendar day of disability. Weekly Indemnity Benefits shall not be payable for any disability resulting from: Any injury or sickness for which a third party the employee is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or during the first 30 days under the care of a licensed chiropractor; □ you are imprisoned; □ you are on maternity leave, parental leave physician. Any injury or any other leave sickness covered by Compensation. Injury sustained or sickness contracted as a direct or indirect result of absence. (4) No further benefits will be payable from the date you refuse to participate war or engaging in a rehabilitation program which is considered appropriate by riot or illegally engaging in a disturbance of the Insurance Companypeace.

Weekly Indemnity. (i) Weekly Indemnity - 66 2/3% of your weekly salary payable to Payable for a maximum weekly benefit of $650.00 per week for 26 weeks. Benefits begin on the 1st day if disability is due to injury and the 4th day if disability is due to sickness. If hospitalized, benefits will begin on the 1st day. (ii) Benefits will not be paid beyond: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or elect to receive pension funds; or □ the date you engage in any work or occupation; or □ the date you fail to furnish satisfactory evidence of total disability or refuse to submit to a medical examination by a physician chosen by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) any Employees will receive 100% of their straight time regular weekly rate for four (4) weeks then at 2/3 pay for 22 weeks on their first claim. Subsequent claims will be reimbursed at 66% 2/3’s % for 26 weeks during the period of disability by The Workers’ Compensation Act or any similar legislation. Any employee will be eligible to apply for Group Insurance benefits while the employee’s claim is under appeal to the Saskatchewan Workers’ Compensation Board. If the appeal is successful, the employee shall be solely responsible for repayment of any benefits claimed under the Group Insurance Planthis Agreement. (2) any disability resulting from or caused by: □ intentionally self-inflicted injury, while sane or insane; □ insurrection, war or hostilities of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting Benefits to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically necessary. However, periods commence on the fourth (4th) day of disability due to a non-occupational illness provided the donation employee seeks medical treatment by a licensed physician during this period; otherwise the benefit will commence as of an organ or tissue will be covered. The Company will amend the Group Contract to provide coverage for tubal ligation and vasectomy. All other cosmetic surgery will be excluded from the contract. □ use first day of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatment. (3) Any disability if: □ as a result of injury or sickness for which a third party is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or If during the first 30 four (4) days under the care of a licensed chiropractor; □ you are imprisoned; □ you are non- occupational disability due to accident or in the event the employee becomes confined as a registered bed patient in a legally constituted hospital, the waiting period shall not exceed beyond the day immediately preceding the day the employee becomes so confined. In the event an employee becomes confined as a registered bed patient in a legally constituted hospital while an employee is on maternity leavevacation, parental leave or any other leave of absencesuch employee will be entitled to apply for weekly indemnity benefits and defer remaining vacation entitlement to a mutually convenient time. (4) No further benefits For the purpose of determination of what an “illness” is and what an “accident” is under Article 26.02, the treating doctor will be payable provided with a form which will include the definitions of both terms from the date you refuse Group Benefit Plan and the Company and Union agree that the decision of the doctor as evidenced on that form will be the deciding factor in the determination of accident or illness for the purpose of the waiting period. (5) Successive periods of disability of an employee separated by less than four (4) weeks of active full-time employment at the employees’ regular job shall be considered one continuous period of disability unless the subsequent disability is due to participate an injury or sickness unrelated to the causes of the previous disability and begins after the employee has returned to active full-time employment. (6) It will be the responsibility of the employee to submit appropriate information concerning his/her disability on the form designated by the Company before Weekly Indemnity Benefits become payable. The Company is prepared to reimburse $50.00 for any WI documents that are approved and the employee submits a receipt. This is valid only for one time per contract. (7) No weekly indemnity benefits shall be payable for any period of disability during with the employee is not wholly, and continuously disabled and is not under the treatment of a physician legally licensed to practice medicine. (8) The Company shall provide an employee who is on WSIB or Weekly Indemnity after 16 weeks with the appropriate LTD forms. The company will file the forms on behalf of the employee within the applicable time limits provided the employee returns the required documents in a rehabilitation program timely manner. (9) In the event of the death of an employee the benefit plan coverage for eligible dependents will be continued for two (2) months following the month in which is considered appropriate by the Insurance Companydeath occurs.

Weekly Indemnity. (i) Weekly Indemnity - 66 2/3% of your weekly salary payable to a maximum weekly benefit of $650.00 per week equivalent to the maximum weekly benefit payable by the Employment Insurance Commission for 26 weeks. Benefits begin on the 1st day if disability is due to injury and the 4th day if disability is due to sickness. If hospitalized, benefits will begin on the 1st day. (ii) Benefits will not be paid beyond: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or elect to receive pension funds; or □ the date you engage in any work or occupation; or □ the date you fail to furnish satisfactory evidence of total disability or refuse to submit to a medical examination by a physician chosen by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) any period of disability by The Workers’ Compensation Act or any similar legislation. Any employee will be eligible to apply for Group Insurance benefits while the employee’s claim is under appeal to the Saskatchewan Workers’ Compensation Board. If the appeal is successful, the employee shall be solely responsible for repayment of any benefits claimed under the Group Insurance Plan. (2) any disability resulting from or caused by: □ intentionally self-inflicted injury, while sane or insane; □ insurrection, war or hostilities of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically necessary. However, periods of disability due to the donation of an organ or tissue will be covered. The Company will amend the Group Contract to provide coverage for tubal ligation and vasectomy. All other cosmetic surgery will be excluded from the contract. □ use of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatment. (3) Any disability if: □ as a result of injury or sickness for which a third party is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or during the first 30 days under the care of a licensed chiropractor; □ you are imprisoned; □ you are on maternity leave, parental leave or any other leave of absence. (4) No further benefits will be payable from the date you refuse to participate in a rehabilitation program which is considered appropriate by the Insurance Company.

Weekly Indemnity. (iEffective on the first of the month following the signing of this Supplemental Agreement, for claims which originate on or after that date, an eligible employee will be entitled to weekly indemnity benefits of of weekly base pay to a maximum of per week. The weekly indemnity benefit for an employee earning less than per week will be of weekly base pay to a maximum of per week. is subject to approval by the Canada Employment and Immigration Commission) Weekly Indemnity - 66 2/3% benefits will commence for eligible employees from the first day in case of your accidental injury, from the first day of sickness if hospitalized during the period of the claim and from the third day in other cases of sickness. Payments will be made for up to weeks. If an employee continues to be disabled under this week period and if he is eligible for Unemployment Insurance sickness benefits, he will be required to claim such sickness benefits. Following the exhaustion of such sickness benefits, an employee will continue to be eligible for weekly salary payable indemnity benefits for a period of up to weeks without any further waiting period. In the event an employee is not eligible t o receive sickness benefits, would be immediately eligible to receive weekly indemnity benefits for the remaining weeks of the week period. Employees on company compensated jury duty and union representatives on temporary leave of absence account union business (for whom a premium has been paid) who become disabled during their period of leave will be eligible for weekly indemnity benefits in the same manner as if they had been working. Employees on bereavement leave will become eligible at the expiration of such leave. If, after the termination of any disability for which an employee was entitled to a maximum weekly benefit of $650.00 per week for 26 weeks. Benefits begin on the 1st day if disability is under this provision, such employee again becomes disabled due to injury the same or related cause or causes, such later disability will be considered as a continuation of the previous disability unless such employee had recovered from the previous disability and had been at work with the 4th day if disability is due to sicknesscompany on full time for a period of at least two weeks after termination of the previous disability. If hospitalized, benefits will begin on the 1st day. (ii) Benefits will not be paid beyondpayable: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or elect to receive pension funds; or □ the date you engage in any work or occupation; or □ the date you fail to furnish satisfactory evidence of total disability or refuse to submit to a medical examination by a physician chosen by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) for any period of disability by The during which the employee is not under the care of licensed physician, surgeon or chiropractor; for any period during which the employee is receiving benefits under Provincial Workers’ ' Compensation Act legislation, unless compensation is payable in respect of a previously incurred partial disability which permits continuation of his employment; for any accident or sickness for which an employee is receiving benefits under Provincial Workers' Compensation legislation, for any similar legislation. Any period during which an employee will be eligible is entitled to apply for Group sickness or disability benefits from the Unemployment Insurance benefits Program in accordance with Section of this Appendix (see Note In respect of an accident which occurs while the employee’s claim employee is under appeal to performing any work for wages or profit other than on behalf of the Saskatchewan Workers’ Compensation Board. If the appeal is successful, company; if the employee shall be solely responsible is drawing vacation pay or pay for repayment of any benefits claimed under the Group Insurance Plan. general holidays or is on strike; (see Note 2) any disability resulting from or caused by: □ ); for intentionally self-inflicted injury, while sane or insaneinjury resulting from war, insurrection or participation in a riot; □ insurrection, war €or hostilities of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically necessary. However, periods of disability absence from work due to pregnancy leave; for any period during which an employee is engaged in any occupation for wages or profit; when an employee is laid off, or on leave of absence (see Note 3 ) . Terms and conditions are more fully described in the donation governing insurance company policy. In the event that a worker's claim for Worker Compensation Benefits is challenged by either the company or the Worker Compensation Board, or if such claim is delayed for more than one month, from the time reported, then the employee may apply for Weekly Indemnity benefits. Applications for benefits under this provision, will be processed in the normal manner as regular claims and will be adjudicated in accordance with our Weekly Indemnity provisions excluding the requirement that the cannot be work related. In making application for weekly indemnity benefits under this provision the employee will be required to complete a waiver directing that should the claim be approved, will reimburse the company's insurance carrier directly. This means that the employee must submit both Parts A and B of the weekly indemnity claim and provide additional information if required. Except for the topping off supplement described in the last paragraph of Section of t h i s Appendix An employee who, while on annual vacation becomes ill or is injured, shall have the right to elect to terminate temporarily) his vacation and to be placed on weekly indemnity. When an employee qualifies for benefits during a period of employment and is subsequently laid off, benefits continue in accordance with Article of the Appendix PAID MATERNITY LEAVE PLAN Effective on the first day of the month following the signing of this agreement, a paid Maternity Leave Plan will be established for claims which originate on or after that date. The plan will provide maternity leave benefits in the event of childbirth or the adoption of a child less than one year old of an organ or tissue amount that, when added to Unemployment Insurance Maternity Benefits, will be coveredresult in the employee receiving of her weekly base pay with no maximum amount for those weeks during which she receives Unemployment Insurance Maternity Benefits, for a maximum of weeks. The Company will amend provisions of the Group Contract paid Maternity Leave Plan are subject to provide coverage for tubal ligation the approval of the Canada Employment and vasectomy. All other cosmetic surgery will be excluded from the contract. □ use of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatmentImmigration Commission. (3) Any disability if: □ as a result of injury or sickness for which a third party is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or during the first 30 days under the care of a licensed chiropractor; □ you are imprisoned; □ you are on maternity leave, parental leave or any other leave of absence. (4) No further benefits will be payable from the date you refuse to participate in a rehabilitation program which is considered appropriate by the Insurance Company.

Weekly Indemnity. (i) Effective date of ratification of this Agreement, for those employees at work, the Weekly Indemnity - 66 2/3coverage will be 70% of your weekly salary payable to one Job Box lower than the employee’s incumbency rate times 40 hours per week beginning on the first day in the case of an accident or hospitalization and on the fourth day for sickness (other than accident or sickness compensable under the Worker’s Safety and Insurance Board of the province of Ontario) and continuing throughout the disability for a maximum weekly benefit of $650.00 per week for 26 52 weeks. Benefits begin “Accident” will be defined as a sudden unforeseen event, definite as to time and place causing injury to the physical structure of the body, resulting from an external agent or trauma (as opposed to harm resulting from disease), happening involuntarily or if the result of a voluntary act entailing unforeseen consequences. If, during the term of the Agreement, the sickness benefit payable under the Employment Insurance Act or regulations thereto exceeds the amount of weekly indemnity under the Insurance Program, the amount of Weekly Indemnity will be adjusted so as to equal the amount payable under the Act. Any increase in premiums during the life of the Agreement will be deducted from the contingency fund. For those employees not at work at the time of a change in the amount of Weekly Indemnity, such coverage will be effective upon their return to work. Certification of disability by a chiropractor or osteopath will be accepted for up to four (4) weeks from commencement of disability. Should the Company qualify for a rebate under the Unemployment Insurance Act with respect to the Weekly indemnity Benefits, the “5/12” portion will be assigned to the contingency fund. Income tax will be deducted from Weekly Indemnity payments. This is not optional. The cost to provide medical verification will be borne by the employee. As an alternative to having an employee off work to get medical verification, the Company will review each case on an individual basis, discuss the 1st day if disability is due to injury situation with the Union President and examine placing the 4th day if disability is due to sicknessemployee in a suitable controlled environment position. If hospitalized, benefits will begin on the 1st day. (ii) Benefits will not be paid beyond: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or elect to receive pension funds; or □ the date you engage in any work or occupation; or □ the date you fail to furnish satisfactory evidence of total disability or refuse to submit to a medical examination by a physician chosen claim is accepted by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) any period of disability Carrier and additional documents from a Specialist is required by The Workers’ Compensation Act or any similar legislation. Any the Insurance Carrier to maintain coverage the employee will be eligible for reimbursement by the Company for the cost of the Specialist’s report. A committee consisting of the Manager of Human Resources, H.R. Generalist along with the Union President and one union designate will make up the members of the committee. This committee will be responsible to apply for Group Insurance benefits while find a resolution to any situation that may arise from time to time with respect to Great West Life’s adjudicating an employees claim. The committee will determine the employee’s claim is under appeal to the Saskatchewan Workersappropriate course of accommodation utilizing Doctors’ Compensation Board. If the appeal is successfulreport, the employee shall be solely responsible for repayment of Function Ability Form and any benefits claimed under the Group Insurance Plan. (2) any disability resulting from or caused by: □ intentionally self-inflicted injuryrecommendations made by an ergonomist, while sane or insane; □ insurrection, war or hostilities of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically where necessary. However, periods of disability due Employees must be aware that the committee will require an authorization to the donation of an organ or tissue will be covered. The Company will amend the Group Contract communicate medical information to provide coverage for tubal ligation and vasectomy. All other cosmetic surgery will be excluded from the contract. □ use of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatment. (3) Any disability if: □ as a result of injury or sickness for which a third party is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or during the first 30 days under the care of a licensed chiropractor; □ you are imprisoned; □ you are on maternity leave, parental leave or any other leave of absence. (4) No further benefits will be payable from the date you refuse all members to participate in a rehabilitation program which is considered appropriate by the Insurance Companyadjudication process.

Weekly Indemnity. (i) When bodily caused by non-occupational accident or sickness disables an employee so that the employee cannot work, the Company will make provisions for payment to such employee a Weekly Indemnity - 66 2/3% Benefit based on "Insurable Weekly Earnings" as follows: Sixty percent (60%) of your weekly salary payable the employee's Regular Base Rate times The Company will provide a disability program that provides for (15) weeks of Weekly after which, if the employee is unable to return to work will apply for Long Term Disability to be paid for a maximum weekly benefit period of $650.00 per week two (2) years, but not beyond age sixty-five (65). The Long Term Disability is payable at the same dollar amount as the Weekly Benefit. To qualify an employee must be considered totally disabled. Definition of total disability, is unable to perform at least of own occupation. Long Disability benefits will be offset by Canada Pension plan payments and Benefits. The will subsidize employees for 26 weeks. Benefits begin on the 1st day if disability is due to injury delays in benefits in excess of two (2) weeks and the 4th day if disability is due to sicknesswill be reimburse once benefits are received. If hospitalized, benefits will begin on disabled employee is receiving widowers the 1st day. (ii) Benefits will not be paid beyond: □ the 26th week from the date of disability; or □ the date you cease to be totally disabled; or □ the date of your 65th birthday; or □ retirement or the date you withdraw or elect to receive pension funds; or □ the date you engage in any work or occupation; or □ the date you fail to furnish satisfactory evidence of total disability or refuse to submit to a medical examination by a physician chosen by the Insurance Company; whichever first occurs. (iii) List of Exclusions (1) any period of disability by The Workers’ Compensation Act or any similar legislation. Any employee will be eligible to apply for Group Insurance benefits while the employee’s claim is under appeal to the Saskatchewan Workers’ Compensation Board. If the appeal is successful, the employee shall be solely responsible for repayment of any benefits claimed under Long Disability the Group Insurance Plan. carrier be reduced so that the income will not exceed eighty-five (285) any disability resulting from or caused by: □ intentionally self-inflicted injury, while sane or insane; □ insurrection, war or hostilities percent of any kind, whether declared or not; □ riot or civil commotion, regardless of whether you were participating; □ injury occurring while committing or attempting income prior to commit a criminal offense; □ medical or surgical care which is cosmetic in nature or medical care or surgery that is not medically necessarythe Weekly Indemnity claim. However, periods Periods of disability due to the donation of an organ or tissue same cause will be covered. The Company will amend treated as a different period of disability if the Group Contract employee has returned to provide coverage employment for tubal ligation a period of fourteen (14) calendar days, and vasectomy. All other cosmetic surgery periods of disability for wholly different causes will be excluded from treated as a new period of disability, where the contractemployee has returned to time work. □ use Benefits will be payable the first day of drugs or alcohol unless you are being actively supervised by and receiving continuous treatment from a rehabilitation centre or an institution provincially recognized for that treatment. (3) Any disability if: □ as a result of an accident, if confined to a hospital, or as a result of day surgery and the eighth (8th) day of disability as a result of sickness. The date on which the disability begins be deemed to be the first day upon which the employee fails to report to the Company for work, or is required to cease work before the employee's regular quitting time, and the date upon which the disability terminates shall be deemed to be date before the first day upon which the employee is capable of to work. This date shall be that set by the attending physician. Part weeks be indemnified at the rate of seventh of the for each calendar day of disability. Weekly Benefits shall not be payable for any disability resulting Any injury or sickness for which a third party the employee is liable, except as provided for in the Third Party Liability section; □ you are not under the continuous care and treatment of a physician or specialist who is certified by the Saskatchewan College of Physicians and Surgeons or during the first 30 days under the care of a licensed chiropractor; □ you are imprisoned; □ you are on maternity leave, parental leave physician. Any injury or any other leave sickness covered by Injury sustained or sickness contracted as a direct or indirect result of absence. (4) No further benefits will be payable from the date you refuse to participate war or engaging in a rehabilitation program which is considered appropriate by riot or illegally engaging in a disturbance of the Insurance Companypeace.