Canadian Benefits

Time Off

			Level I employees outside of Quebec
	ChoiceTime		(does not include Saskatchewan)
	Less than 2 years		Earn 1 ChoiceTime day at end of each calendar month up to seven days maximum before next anniversary
	2 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 – 14th anniversary: 3 weeks   15th - 24th anniversary: 4 weeks   25th or more anniversary: 5 weeks

			Level II, III, IV 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 – 14th anniversary: 3 weeks   15th - 24th anniversary: 4 weeks   25th or more anniversary: 5 weeks

			Quebec Employees - Levels I, II, III, IV
	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
	*Level I earns one day per calendar month until next 8/1
	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 uninterrupted service will receive 2 weeks
	5 – 14 years		of uninterrupted service will receive 3 weeks
	15 - 24 years		of uninterrupted service will receive 4 weeks
	25 or more years		of uninterrupted 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		Individual: $25 per calendar year Family (aggregate): $50 per calendar year
	Medical Benefits		80% after deductible has been met
	Out-of-Pocket Limits		Individual: $1000 per calendar year Family(aggregate): $2000 per calendar year (Then covered expenses are paid at 100%)
	Prescription Drugs		Pay Direct Drug Card Covered at 80% $8.50 dispensing fee maximum
	Overall Lifetime Benefit Maximum		$250,000

			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

	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/$15,000 maximum per month)

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Retirement

			Deferred Profit Sharing Plan (DPSP)
	Administrator		Sun Life Financial
	Cost		No cost to employee