Your Group Benefits. On settlement or judgement of your legal action, you will be required to reimburse Manulife Financialthose amounts you recover which, when added to the payments you received from Manulife Financial, exceed of your incurred expenses.
Your Group Benefits. For more information on the conversion privilege, please see your Plan Administrator.
Your Group Benefits. Waiver of Premium Please referto Employee Life Insurancefor detailson the Waiver of Premiumprovision.
Your Group Benefits. Drug Benefit for Quebec Residents Group benefit plans that provide prescription drug coverage to Quebec residents must meet certain requirements under Quebec’s prescription drug insurance legislation (An Act Respecting Prescription Drug And Amending Various Legislative Provisions). If you and your dependents reside in Quebec, the provisionsspecified under Drug Benefit For Persons Who Reside In Quebec, will apply to your drug benefit. Overall Benefit Maximum per calendar Deductible Nil Benefit Percentage (Co-insurance) for Hospital Care Professional Services Vision for the first of covered expenses incurred per family per calendar year; and for covered expenses incurred in excess of for: Medical Services Supplies Drugs Emergency Medical Treatment Termination Age on the last day of active employment Waiting Period first of the monthfollowing monthsfor employees hired on or priorto the Plan Document Effective Date first of the month following months for all other employees The expenses specified are covered to the extent that they are reasonable and customary, as determined by Financial or your employer, provided they are: medically necessary for the treatment of sickness or injury and recommended by a physician incurred for the care of a person while covered under this Group Benefit Program reasonable taking all factors into account not covered under the Provincial Plan or any other program legally insurable Payment of any Covered Expenses under this benefit which may be purchased in large quantities will be limited to the purchase of up to a months’ supply at any one time, except for covered drug expenses.
Your Group Benefits. Charges for the following are not covered: the administration of injectable medications drugs, biologicals and related preparations which are intended to be administered in hospital on an or basis and are not intended for a patient’s use at home Fertility drugs per lifetime drugs per lifetime Sexual Dysfunction drugs per lifetime All other covered drug expenses Payment of Drug Claims Your Pay Direct Drug Card provides your pharmacist with immediate confirmation of covereddrug expenses. This meansthat when you present your Pay Direct Drug Cardto your pharmacist at the time of purchase, you and your eligible dependents will not incur out-of-pocket expenses for the full cost of the prescription. The Pay Direct Drug Card is honoured by participating pharmacists displaying the appropriate Pay Direct Drug decal. To xxxxx prescription for covered drug expenses:
Your Group Benefits. 16 Employee Life Insurance. 16 Extended Health Care. 18 Survivor Extended Benefit. 28 Notes. 29
Your Group Benefits. All regular full-time employees of Shorewood Packaging are eligible to participate in the Plan after one service. Deferred Profit Sharing Group Registered Retirement Savings Plan All Shorewood contributions are directed to your account. Your contributions are directed to your Group account You choose how to invest your accounts in both the and Group Shorewood contributes of your earnings to your account. You do not have to contribute, but you can elect to make contributions to your account in the Group If you make contributions to the Group Shorewood will match of these contributionsup to a maximum of of earnings towards your account. Your contributionsto the Group are based on your own personal limit. This depends on your earned income in the prior year, the prescribed value of your pension in the prior year, how much you have or will be contributing to your individual and how much unused room you have from prior years. Revenue Canada informs you of this limit each year on your tax assessment notice. Company contributions are limited under the Income Tax Act. Easy to read statements (every quarter) provide you with your account balance, current investment selection and contribution information as at the end of the statement period. Your Group Benefits There are several ways you can stay informed about your account’s investment growth and opportunities: Customer Care Centre Call extension VIP line Call and enter your certificate number and your confidential PIN number. If you don’t remember your PIN number call the Customer Care Centre. VIP net Gives you the same access to your account as the VIP Line, but via the Internet. When you terminate, you can transfer your balances to your own individual
Your Group Benefits. Assistance Return of Deceased to Province of Residence In the event of the death of an insured person, the necessary authorizationswill be obtained and arrangements made for the return of the deceased to his province of residence. Expenses incurred for the preparation and transportation of the body will be paid, up to a maximum of (Canadian). Expenses related to the burial, such as a casket or an urn, will not be paid. Lost Document and Ticket Replacement Assistance in contacting the local authorities is provided, to help an insured person in replacing lost or stolen passports, visas, tickets or other travel documents.
Your Group Benefits. Canada or Quebec Pension Plans, excluding dependent benefits • any government motor vehicle automobile insurance plan or policy, unless prohibited by law If necessary, the amount of your benefit will be further reduced so that your total income from all sources does not exceed 85% of your pre-disability gross earnings (net earnings, if your benefit is non-taxable). All sources include those sources stated above and any benefit you are entitled to receive from: • any group, association or franchise plan • any retirement or pension plan • earnings or payments from any employer, including severance payments and vacation pay • self-employment • any government plan, excluding Employment Insurance Benefits • Canada or Quebec Pension Plans’ dependent benefits Once benefits become payable, the amount of your benefit will not be affected by any subsequent cost of living increase in benefits you are receiving from other sources.
Your Group Benefits. Claims Payment Service If a hospital or other provider of medical services requires a deposit or payment in full services rendered, and the expenses exceed (Canadian), payment of such expenses will be arranged and claims co-ordinated on behalf of the insured person. Payment and co-ordination of expenses will take into account the coverage that the insured person is eligible for under a Provincial Plan and this benefit. If such payments are subsequently determined to be in excess of the amount of benefits to which the insured person is entitled, Financial shall have the right to recover the excess amount by assignment of Provincial Plan benefits and/or refund from you. Medical Care Monitoring Medical care and services rendered to the insured person will be monitored by medical staff who will maintain contact, as frequently as necessary, with the insured person, the attending physician, the insured person’s personal physician and family.
