Canadian Benefits

Time Off

			Canadian employees outside of Quebec
	ChoiceTime		(does not include Saskatchewan)
	Less than 1 year		Earn 1 ChoiceTime day at end of each calendar month up to seven days maximum before next anniversary
	1 or more years		Receive 7 ChoiceTime days each anniversary
	Vacation		Receive vacation days at end of anniversary year. Vacation may vary by province.   Less than 1 year: 0 weeks   1st – 4th anniversary: 2 weeks   5th – 9th anniversary: 3 weeks   10th – 19th anniversary: 4 weeks   20th or more anniversary: 5 weeks

			Quebec Employees
	ChoiceTime
	Less than 1 year employment		Earn one ChoiceTime day at end of each calendar month up to a maximum which varies depending on month of hire as follows:* Hire Date   Choice Days Aug 1 - Oct 31   4 Nov 1 - Jan 31   3 Feb 1 - Apr 30   2 May 1 - Jul 31   1
	1 or more years employment		Receive 7 ChoiceTime days each August 1
	Vacation		Receive vacation days at end of fiscal year
	Less than 1 year		One vacation day for each month of uninterrupted service (not to exceed 2 weeks)
	1 – 4 years		of cumulative service will receive 2 weeks
	5 – 9 years		of cumulative service will receive 3 weeks
	10 – 19 years		of cumulative service will receive 4 weeks
	20 or more years		of cumulative service will receive 5 weeks

			Holidays
	(Holidays may vary by province) New Years Day, Good Friday, Victoria Day, Canada Day, Labour Day, Thanksgiving Day, Christmas Day

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Health

			Extended Health
	Medical Insurance		Health coverage supplements provincial health plans in your home Province and out of province emergency care.
	Provider		Manulife Financial
	Premium Taxable		No, except in Quebec.
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Medical Deductibles		No deductible
	Medical Benefits		Hospital and Vision – Plan pays 100% of covered expenses to benefit maximum. For all other covered expenses, plan pays 80% to benefit maximum. (Orthotics, Health Practitioners, etc.)
	Prescription Drugs		Pay Direct Drug Card $7.00 dispensing fee cap Dynamic Therapeutic Formulary (DTF) Drugs covered at 80% until out-of-pocket maximum reached and 100% afterwards ManuScript Generic Drug Plan 2 (MGP2) Drugs covered at 60% until out-of-pocket maximum reached and 100% afterwards
	Drug Deductible		$25 per individual/family
	Annual Out-Of-Pocket		$2,000 per perscription
	Overall Lifetime Benefit Maximum		$1,000,000

			Dental
	Provider		Manulife Financial
	Cost		Included in the cost of Extended Health coverage. Offered as a packaged benefit only
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Deductible		None
	Benefit		100% of diagnostic and preventative services* *According to applicable provincial fee guide. 50% of all other covered services $1,500 yearly maximum per patient Orthodontia for dependent children thru age 18 - $1,500 lifetime maximum

	Employee Assistance Program (EAP)/WorkLife Solutions
	Provider		Shepell·fgi
	Cost		No cost to employee
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Benefit		24-hour confidential counseling and resource and referral services: English: 1-800-268-5211 French: 1-800-363-3872

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Life and Disability

			Basic Life Insurance
	Provider		RBC Insurance
	Cost		No cost to employee
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Benefit		Before age 70: 2x previous calendar years wages ($30,000 minimum/$300,000 maximum) Age 70 +: 67% of 2x previous calendar years wages

			Supplemental Life Insurance
	Optional Life Insurance		Employee
	Provider		RBC Insurance
	Cost		Rates are calculated using age, smoker/non-smoker and annual pay
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Benefit		Employees entering plan when first eligible may purchase additional life insurance at 1x, 2x, or 3x annual pay (Basic and Optional Life combined cannot exceed $500,000 maximum)
	Dependant Life Insurance		Spouse/Child
	Provider		RBC Insurance
	Cost		Spouse: $10,000/$.33 per biweekly pay period $25,000/$.83 per biweekly pay period Child(ren): $5,000/$.36 per biweekly pay period $10,000/$.72 per biweekly pay period
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Benefit		Employees entering the plan when first eligible may purchase life insurance for spouse at $10,000 or $25,000; child(ren) at $5,000 or $10,000
	Employees waiving Supplemental Life Insurance coverage when initially eligible will be limited to the Plan's first level of coverage for both Optional and Dependant Life coverage during the following Open Enrolment period. In subsequent years, during Open Enrolment, you may increase your coverage by only one level (e.g.: from 1x to 2x annual pay).

			Accidental Death & Dismemberment
	Provider		RBC Insurance
	Cost		No cost to employee
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Benefit		Equal to the amount of the Basic Life Insurance benefit for death caused by accident, or death occurring within 365 days of accident. In addition to Basic Life Insurance: Before age 70: 2x previous calendar years wages Age 70 +: 67% of 2x previous calendar years wages

			Long-Term Disability (LTD)
	Provider		RBC Insurance
	Cost		No cost to employee
	Effective Date		1st day of the 3rd consecutive month following full-time date of hire
	Eligibility		Total disability for 90 calendar days (to age 65)
	Benefit		If approved, 66.7% of average gross monthly income ($100 minimum per month/$12,500 maximum per month)

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Retirement Program

			Deferred Profit Sharing Plan (DPSP)
	Administrator		Manulife Financial
	Cost		No cost to employee
	Eligibility		Employees with one full year of continuous service and 1,000 hours of service in the calendar year
	Company Match		The company matches your RRSP contributions, dollar for dollar, up to 3% of your pay each pay period
	Profit Sharing Contribution		Each year, the company determines if a discretionary contribution will be made to its employee retirement savings plans. While past contributions are not a guarantee of future contributions, historically the company has contributed 5 percent of pretax profits to its employee retirement savings plans. The portion of the company contribution that is not used for the company match will be allocated to eligible employees via an annual profit sharing contribution. The amount allocated to individual accounts is based on a formula that takes into account each employee's eligible compensation. Eligibility is limited to non-union employees.
	Investment		Employees may select from an approved list of funds offered by Manulife Financial, for the company contributions. Earnings allocate to each participant's individual account
	Vesting		100% vested after three years of continuous employment with the company.
	Benefit		Vested value of account paid at retirement, termination, death, total disability Maximum Contribution through 2010: $11,225.

			Registered Retirement Savings Plan (RRSP)
	Administrator		Manulife Financial
	Eligibility		1st day of 3rd consecutive month (Voluntary participation)
	Contributions		Employees may defer 1% - 18% of gross wages. Contributions are fully vested at all times (RRSP dollar limits apply)
	Withdrawal Options		Home Buyers' Plan or Life-Long Learning Plan
	Investment		13 diverse investment selections available Maximum Deferral through 2010: $22,000 (combined for DPSP/RRSP)

Note: C.O.P.E. Local 378 Union employees should contact their local HR administrator for information on their retirement program benefit.

This is just a general description of the Plan provisions. Please refer to your Member Booklet for more complete information.

Additional Benefits

Leaves of Absence Employee Referral Program Service Award Program Employee Discounts Company Sponsored Events/Activities Adoption Assistance Maternity Leave Phase Back

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