Home Benefits Summaries Salaried benefits at a glance

Salaried benefits at a glance

Extended Health Care (Medical)

Feature
Waiting Period	None
Annual Deductible	None
Coverage Termination	Retirement
Covered Expenses*	Core group benefits plan	Enhanced group benefits plan
Hospital	100% coverage for semi-private room
Prescription drugs (DTF)**	Managed prescription drugs 80% of Tier 1 drugs 60% of Tier 2 drugs	Managed prescription drugs 90% of Tier 1 drugs 70% of Tier 2 drugs
	$9.00 dispensing fee cap for drugs purchased through Express Scripts $7.00 dispensing fee cap for drugs purchased through other pharmacies Pay Direct drug card
Vision Care	Eye exams, once per 2 calendar years Prescription glasses / contact lenses, 80% coverage up to a maximum of $300 per 2 calendar years	Eye exams, once per calendar year Prescription glasses / contact lenses, 100% coverage up to a maximum of $400 per 2 calendar years
Out-of-province/Canada Medical Emergency	Coinsurance 100% Lifetime maximum of $5,000,000 ManuAssist – Included
Medical Supplies and Services	100% for medical supplies and services 80% coverage for orthopedic shoes and orthotics (reasonable and customary)	100% for medical supplies and services 100% coverage for orthopedic shoes and orthotics (reasonable and customary)
Orthopedic Appliances	2 pairs per calendar year	2 pairs per calendar year
Orthopedic Shoes	1 pair per calendar year	1 pair per calendar year
Private duty nursing	$10,000 per calendar year	$25,000 per calendar year
Hearing Aids	$500 every 5 calendar years
	80%	100%
Paramedical practitioners Osteopath, Podiatrist, Chiropractor, Naturopath, Massage Therapist, Physiotherapist, Speech Therapist, Acupuncturist	$500 per practitioner per calendar year up to $1,000 combined	$1,500 combined per calendar year
Mental Health Practitioners*** Clinical Counsellor, Marriage and Family Therapist, Psychoanalyst, Social Worker, Psychotherapist and Psychologist	$1,000 per calendar year for all mental health practitioners combined	$1,000 per calendar year for all mental health practitioners combined

Extended Health Care (Medical)

Feature

Waiting Period

None

Annual Deductible

None

Coverage Termination

Retirement

Covered Expenses*

Core group benefits plan

Enhanced group benefits plan

Hospital

100% coverage for semi-private room

Prescription drugs (DTF)**

Managed prescription drugs

80% of Tier 1 drugs

60% of Tier 2 drugs

Managed prescription drugs

90% of Tier 1 drugs

70% of Tier 2 drugs

$9.00 dispensing fee cap for drugs purchased through Express Scripts

$7.00 dispensing fee cap for drugs purchased through other pharmacies

Pay Direct drug card

Vision Care

Eye exams, once per 2 calendar years

Prescription glasses / contact lenses, 80% coverage up to a maximum of $300 per 2 calendar years

Eye exams, once per calendar year

Prescription glasses / contact lenses, 100% coverage up to a maximum of $400 per 2 calendar years

Out-of-province/Canada
Medical Emergency

Coinsurance 100%

Lifetime maximum of $5,000,000

ManuAssist – Included

Medical Supplies and Services

100% for medical supplies and services

80% coverage for orthopedic shoes and orthotics (reasonable and customary)

100% for medical supplies and services

100% coverage for orthopedic shoes and orthotics (reasonable and customary)

Orthopedic Appliances

2 pairs per calendar year

Orthopedic Shoes

1 pair per calendar year

Private duty nursing

$10,000 per calendar year

$25,000 per calendar year

Hearing Aids

$500 every 5 calendar years

80%

100%

Paramedical practitioners

Osteopath, Podiatrist, Chiropractor, Naturopath, Massage Therapist, Physiotherapist, Speech Therapist, Acupuncturist

$500 per practitioner per calendar year up to $1,000 combined

$1,500 combined per calendar year

Mental Health Practitioners***

Clinical Counsellor, Marriage and Family Therapist, Psychoanalyst, Social Worker, Psychotherapist and Psychologist

$1,000 per calendar year for all mental health practitioners combined

Dental

Feature
Waiting Period	None
Deductible	None
Coverage Termination	Retirement
Dental Fee Guide	Current guide for general practitioners and specialists based on province in which services are rendered (same as current coverage)
Covered Expenses*	Core group benefits plan	Enhanced group benefits plan
Basic and Preventative Services	100% to a maximum of $2,000 per calendar year combined with Dentures and Major	100% to a maximum of $1,500 per calendar year
Dentures and Major Restorative Services	50% to a maximum of $2,000 per calendar year combined with Basic and Preventative	60% to a maximum of $3,000 per calendar year
Orthodontics (child and adult)	50% to a lifetime maximum of $1,500	50% to a lifetime maximum of $3,000
* Reasonable and customary limits apply
**If you are a Quebec resident, your prescription drug coverage will be subject to and coordinate with RAMQ and other provincial regulations and some coverages are not applicable.
*** Contact Manulife to confirm coverage amounts in your province

Dental

Feature

Waiting Period

None

Deductible

None

Coverage Termination

Retirement

Dental Fee Guide

Current guide for general practitioners and specialists based on province in which services are rendered (same as current coverage)

Covered Expenses*

Core group benefits plan

Enhanced group benefits plan

Basic and Preventative Services

100% to a maximum of $2,000 per calendar year combined with Dentures and Major

100% to a maximum of $1,500 per calendar year

Dentures and Major Restorative Services

50% to a maximum of $2,000 per calendar year combined with Basic and Preventative

60% to a maximum of $3,000 per calendar year

Orthodontics (child and adult)

50% to a lifetime maximum of $1,500

50% to a lifetime maximum of $3,000

* Reasonable and customary limits apply

**If you are a Quebec resident, your prescription drug coverage will be subject to and coordinate with RAMQ and other provincial regulations and some coverages are not applicable.

*** Contact Manulife to confirm coverage amounts in your province

Short Term Disability (STD)

Benefit Details	Benefit Plan
Cost Sharing	100% Employer Paid
Coverage	Years of service
3 months to 1 year	4 weeks at 100% (full salary) 12 weeks at 66.67% of regular wages
1+ to 5 years	10 weeks at 100% (full salary) 6 weeks at 66.67% of regular wages
5+ years	100% full wages
Qualifying Period	7 calendar days
Maximum Benefit Period	16 weeks
Waiting period	90 calendar days
Taxable to the Employee	Yes
Definition of disability	Employee is unable to complete own occupation due to illness or not work related injury
Coverage Termination	At Retirement

Short Term Disability (STD)

Benefit Details

Benefit Plan

Cost Sharing

100% Employer Paid

Coverage

Years of service

3 months to 1 year

4 weeks at 100% (full salary)
12 weeks at 66.67% of regular wages

1+ to 5 years

10 weeks at 100% (full salary)
6 weeks at 66.67% of regular wages

5+ years

100% full wages

Qualifying Period

7 calendar days

Maximum Benefit Period

16 weeks

Waiting period

90 calendar days

Taxable to the Employee

Yes

Definition of disability

Employee is unable to complete own occupation due to illness or not work related injury

Coverage Termination

At Retirement

Long Term Disability (LTD)

Benefit Details	Benefit Plan
Cost Sharing	100% Employee Paid
Coverage	Replaces 50% of monthly earnings
Qualifying Period	17 weeks
Maximums	Maximum benefit: $10,000
Taxable to the Employee	No
Definition of disability	Employee is unable to complete own occupation for 2 years followed by the inability to complete any other job thereafter
Maximum Benefit Period	To age 65
Coverage Termination	10-year maximum limit, or age 65 less the qualifying period, or retirement, whichever is earlier

Long Term Disability (LTD)

Benefit Details

Benefit Plan

Cost Sharing

100% Employee Paid

Coverage

Replaces 50% of monthly earnings

Qualifying Period

17 weeks

Maximums

Maximum benefit: $10,000

Taxable to the Employee

Definition of disability

Employee is unable to complete own occupation for 2 years followed by the inability to complete any other job thereafter

Maximum Benefit Period

To age 65

Coverage Termination

10-year maximum limit, or age 65 less the qualifying period, or retirement, whichever is earlier

Other Benefits

Basic Life Insurance	2 x annual earnings
Maximum	$1,000,000
Reduction/ termination	No reduction, terminates at age 70 or retirement whichever comes first
Basic Accidental Death & Dismemberment (AD&D)	2 x annual earnings
Maximum	$1,000,000
Reduction/ termination	No reduction, terminates at age 70 or retirement whichever comes first
Business Travel Insurance	1 x annual earnings
Maximum	$500,000
Reduction/termination	No reduction, terminates at age 70 or retirement whichever comes first
Employee Optional Life Insurance	Available in units of $10,000
Maximum	$500,000
Termination	Terminates at age 70 or retirement whichever comes first
Spousal Optional Life Insurance (Associate paid)	Available in units of $10,000
Employee Stock Purchase Plan	Personal contribution – 15% stock savings
Jury/Witness Duty	Employer pays the difference between per diem as juror and regular earnings when employee has jury duty during regular work schedule.
Bereavement Leave Paid Benefit**	Up to 5 paid days after 90 days of service
Sick/Family Responsibility leave paid benefit **	5 paid days upon hire
Vacation **	• 3 weeks’ time during 1st year (paid at 6% of eligible earnings) 4 weeks’ time after 10 years (paid at 8% of eligible earnings) 5 weeks’ time after 20 years (paid at 10% of eligible earnings)
Vacation Bonus Day	Maximum of 1 vacation bonus day per period (December 15 to March 15). The associate must take a minimum of 5 consecutive vacation days to qualify.
Float Days	Float days after 1 year of service Float days + stat holidays = 10 days holidays for each province
**If applicable statutory entitlements provide for a greater leave (paid or unpaid), the greater right will be applied. Leaves entitlements (paid or unpaid) as provided above, are inclusive of, and will be deducted from any statutory leave entitlements.

Other Benefits

Basic Life Insurance

2 x annual earnings

Maximum

$1,000,000

Reduction/ termination

No reduction, terminates at age 70 or retirement whichever comes first

Basic Accidental Death & Dismemberment (AD&D)

2 x annual earnings

Maximum

$1,000,000

Reduction/ termination

No reduction, terminates at age 70 or retirement whichever comes first

Business Travel Insurance

1 x annual earnings

Maximum

$500,000

Reduction/termination

No reduction, terminates at age 70 or retirement whichever comes first

Employee Optional Life Insurance

Available in units of $10,000

Maximum

$500,000

Termination

Terminates at age 70 or retirement whichever comes first

Spousal Optional Life Insurance (Associate paid)

Available in units of $10,000

Employee Stock Purchase Plan

Personal contribution – 15% stock savings

Jury/Witness Duty

Employer pays the difference between per diem as juror and regular earnings when employee has jury duty during regular work schedule.

Bereavement Leave Paid Benefit**

Up to 5 paid days after 90 days of service

Sick/Family Responsibility leave paid benefit **

5 paid days upon hire

Vacation **

• 3 weeks’ time during 1st year (paid at 6% of eligible earnings)

4 weeks’ time after 10 years (paid at 8% of eligible earnings)

5 weeks’ time after 20 years (paid at 10% of eligible earnings)

Vacation Bonus Day

Maximum of 1 vacation bonus day per period (December 15 to March 15). The associate must take a minimum of 5 consecutive vacation days to qualify.

Float Days

Float days after 1 year of service
Float days + stat holidays = 10 days holidays for each province

**If applicable statutory entitlements provide for a greater leave (paid or unpaid), the greater right will be applied. Leaves entitlements (paid or unpaid) as provided above, are inclusive of, and will be deducted from any statutory leave entitlements.

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