EARLY RETIREE (AGE 55-64) HEALTH & DENTAL BENEFIT COMPARISON as at April 2013

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1 (through (MROO) / (through Direct Comprehensive Drugs (legally requiring a prescription) * - Drug card reimbursed at 90% (including dispensing fee up to $7.00) - $1,200 maximum per - Pays up to $100 of Ontario Drug Benefit expenses, including dispensing fees, per - Drugs for sexual dysfunction, obesity control and experimental drugs are excluded - Mandatory generic drug substitution - Drug card reimbursed at 90% (including dispensing fee up to $7.00) - $1,700 maximum per - Pays up to $100 of Ontario Drug Benefit expenses, including dispensing fees, per - Drugs for sexual dysfunction, obesity control and experimental drugs are excluded - Mandatory generic drug substitution - Optional drug card - 100% reimbursement without drug card or 85% with drug card - $1,500 maximum per - Drugs for erectile dysfunction, smoking cessation and fertility are excluded, along with homeopathic preparations, proprietary or patent medicines, and drugs without a DIN - Drug card reimbursed at 70% - $500 maximum per ; not subject to lifetime maximum - No deductible - Drug card reimbursed at 80% - $1,000 maximum per - Generic drug substitution - Smoking cessation aids requiring a prescription, to a lifetime maximum of $250 - Drug card not available to residents of Quebec - Fertility drugs, erectile dysfunction drugs, contraceptives, dietary supplements, vitamins, infant foods, over-thecounter medications, drugs to treat obesity, and the cost of giving injections, serums or vaccines are excluded - Drug card reimbursed at 80% - $900 maximum per - Smoking cessation drugs, over-thecounter drugs, fertility drugs, and birth control drugs are excluded - Mandatory generic drug substitution Other eligible expenses - 100% unless otherwise noted - 100% unless otherwise noted - 100% unless otherwise noted - 80% unless otherwise noted - 100% unless otherwise noted - 100% unless otherwise noted Notes: - benefit, anniversary, calendar all condensed to - maximums are per individual, not per family - where applicable, benefits are payable only after provincial benefits have been paid 1

2 (through (MROO) / (through Direct Comprehensive Hospital - Semi-private room - $5,000 maximum per - If semi-private room unavailable, the plan pays a $50 cash benefit per 24-hour period of ward hospitalization - Semi-private room - $5,000 maximum per - If semi-private room unavailable, the plan pays a $50 cash benefit per 24-hour period of ward hospitalization - Semi-private room - Daily maximum of $ day maximum per - Semi-private/Private room - 100% reimbursement to a maximum of $200 per day - 90 day maximum per - Pre-existing conditions exclusion applies - Semi-private room - 85% reimbursement to a maximum of $175 per day - $5,000 maximum per - Semi-private room - Daily maximum of $175 - Reimbursement level of 100% for first 60 days; 50% for next 90 days per - If semi-private room unavailable, pays $50 per day in ward, to a maximum of $3,000 per Out of Country Travel - No coverage - No coverage - No coverage - No deductible - Maximum of 15 days per trip; unlimited number of trips per - 100% reimbursement - Maximum coverage of $5,000,000 - Top-up coverage available - Travel assistance benefits - Pre-existing conditions exclusion applies - 100% reimbursement - Maximum of 60 days per trip - Lifetime maximum of $1,000,000 - Coverage terminates at age 80 - Travel assistance benefits - Pre-existing conditions exclusion applies as well as requirements to return to Canada between trips - No coverage 2

3 (through (MROO) / (through Direct Comprehensive Paramedical Practitioners - See below - Payable only after ly OHIP maximum has been reached - See below - Payable only after ly OHIP maximum has been reached - See below - Payable only after ly OHIP maximum has been reached - See below - 100% reimbursement up to the specified maximums - Payable only after ly OHIP maximum has been reached - See below - $500 combined maximum per for all paramedical services marked with - See below - $600 combined maximum per for all paramedical services marked with * - Payable only after ly OHIP maximum has been reached - Physiotherapist - $400 maximum per - $250 maximum per - $12 per visit - 25 visit maximum per * - Psychologist - $20 per half-hour for initial assessment; $20 per subsequent visit - $400 maximum per - $20 per half-hour for initial assessment; $20 per subsequent visit - $400 maximum per - Also covers social workers - $320 combined maximum per - $60 per visit - 12 visit maximum per - $60 per visit, up to a maximum of 7 visits per - $80 maximum for first visit; $65 maximum for subsequent visits - 10 visit maximum per - Acupuncturist - No coverage - $400 maximum per - No coverage - No coverage * 3

4 (through (MROO) / (through Direct Comprehensive - Osteopath - $400 maximum per - $250 maximum per - $12 per visit - 25 visit maximum per, including one x- ray per * - Chiropractor - $15 for one x-ray per - $400 maximum per - $15 for one x-ray per - $250 maximum per - $12 per visit - 25 visit maximum per, including one x- ray per - Chiropractic x-ray up to $35 maximum per * - Naturopath - $400 maximum per - $250 maximum per - $12 per visit - 25 visit maximum per * - Chiropodist - $400 maximum per - No coverage - $12 per visit - 25 visit maximum per combined with Podiatrist, including one x-ray per * - Podiatrist - $400 maximum per - $250 maximum per - $12 per visit - 25 visit maximum per combined with Chiropodist, including one x-ray per * - Masseur - $400 maximum per - $250 maximum per - $15 per visit - 20 visit maximum per * 4

5 - Speech Therapist Private Duty Nursing Convalescent Benefits Hearing Aids (prescribed) (through - $2,500 per - $30 per day - Maximum of 120 days (MROO) / (through - $400 maximum per - $2,500 per - $30 per day - Maximum of 120 days Direct Comprehensive - $270 maximum per - $40 per visit - 12 visit maximum per - $3,500 every 3 s - Years 1 and 2: $500 Year 3: $1,500 Years 4+: $2,500 per (Note: maximum combined with Assistive Devices) - Nursing home care benefit - pre-approval - Maximum of $50 per day, with maximum of 30 days per condition, per lifetime of condition - $500 every 3 s - $500 every 3 s - $500 every 5 s - $300 every 5 s (3- month waiting period) - $5,000 maximum per - Lifetime maximum of $25,000 - No coverage - $20 per day - Maximum of 180 days per condition - $65 maximum for first visit; $45 maximum for subsequent visits - 10 visit maximum per Year 1: $750 Year 2: $1,250 Years 3+: $2,500 per - No coverage - $350 every 5 s - $400 every 5 s 5

6 (through (MROO) / (through Direct Comprehensive Orthopedic Shoes (prescribed) - One pair to maximum of $200 per - One pair to maximum of $200 per - $100 maximum per combined with orthotics - $175 maximum per - $200 per combined with orthotics (included within Durable Medical Equipment maximum) - No coverage Orthotics (prescribed) - Maximum $300 per (included in overall maximum for Durable Medical Equipment) - Maximum $500 per (included in overall maximum for Durable Medical Equipment) - $100 maximum per combined with orthopedic shoes - No coverage - $200 per combined with orthopedic shoes (included within Durable Medical Equipment maximum) - $250 maximum per Durable Medical Equipment (including medical supplies and prostheses) - Some specific internal maximums - $5,000 overall maximum per - Some specific internal maximums - $5,000 overall maximum per - Internal maximums - Medical equipment covered - Assistive devices included under Private Duty Nursing maximum (Years 1 and 2: $500; Year 3: $1,500; Years 4+: $2,500 per ) - Some specific internal maximums - $2,500 overall maximum per - Separate maximums for Durable Medical Equipment and Prosthetic Appliances, as follows: Year 1: $750 Year 2: $1,250 Years 3+: $2,500 per Vision (Lenses and Frames, Contact Lenses and Laser Eye Surgery) - $200 every 2 s - $225 every 2 s - $200 every 2 s - No coverage - $150 every 2 s - $200 every 2 s - Industrial safety glasses excluded 6

7 (through (MROO) / (through Direct Comprehensive Eye Exams - No coverage - One optometrist visit every 2 s (included in Vision maximum) - Payable only after OHIP maximum has been reached - Covered under Vision benefit - One exam every 2 s - No coverage - $50 for one examination every 2 s, included within the $150 Vision maximum - $50 maximum for optometrist visits every 2 s - Payable only after OHIP maximum has been reached Ambulance - Unlimited ground transport - $4,000 maximum per for air ambulance - Unlimited ground transport - $4,000 maximum per for air ambulance - Air and ground transport - Unlimited - Unlimited ground transport - Unlimited ground transport - $4,000 maximum per for air ambulance Dental Accident - $2,000 maximum per - Treatment must be rendered within 1 of accident - $2,000 maximum per - Treatment must be rendered within 1 of accident - Treatment must begin within 60 days of accident - Reimbursed at 100% - $2,000 maximum per - Lifetime maximum of $5,000 for all fractures and injuries - Treatment must be rendered within 1 of accident - $2,500 maximum per 7

8 (through (MROO) / (through Direct Comprehensive Dental - 80% reimbursement of dental x-rays, minor restorative fillings, preventative care, minor surgical benefits, periodontics, endodontics, denture maintenance, and consultation services - 50% reimbursement of major restorative services: inlays, crowns, dentures, bridgework and denture adjustments - $1,100 per combined maximum for Basic and Major Restorative services - Recall visits every 6 months - Pre-determination for treatment over $300 - Current fee guide - Fluoride treatments, dental implants and TMJ not covered - 80% reimbursement of dental x-rays, minor restorative fillings, preventative care, minor surgical benefits, periodontics, endodontics, denture maintenance, and consultation services - 50% reimbursement of major restorative services: inlays, crowns, dentures, bridgework and denture adjustments - $1,500 per combined maximum for Basic and Major Restorative services - Recall visits every 6 months - Pre-determination for treatment over $300 - Current fee guide - Fluoride treatments, dental implants and TMJ not covered - 80% coverage for diagnostic, preventative, minor restorative, denture maintenance, oral surgery, adjunctive, endodontic and periodontal services - $1,000 maximum per - Recall visits twice per - Periodontal scaling and root planing up to combined maximum of six 15-minute time units per - Current fee guide - TMJ not covered - 70% coverage for basic or major dental services - $245 maximum per - No deductible - Recall visits every 9 months - Current fee guide - 80% reimbursement of preventative dental services - 50% reimbursement of restorative dental services (includes endodontics, periodontics and denture maintenance) - Combined maximum of $700 per - No deductible - Recall visits every 9 months - Periodontal scaling and root planing up to maximum of eight 15- minute time units per - will not provide restorative dental benefits during the first - Current fee guide - TMJ, implants and transplants not covered - 80% reimbursement of exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services, including denture services, endodontics, periodontics and oral surgery - Maximum of $700 for Year 1; $850 for Year 2; $1,000 per for Years 3+ - Recall visits every 9 months - Current fee guide 8

9 (through (MROO) / (through Direct Comprehensive Lifetime Maximum - $300,000 - $300,000 - No lifetime maximum - $50,000 overall maximum per - $100,000 overall lifetime maximum on extended health benefits - $250,000 overall lifetime maximum on Drug, Extended Health, Vision, and Semi-private Hospital Room - $200,000 overall lifetime maximum on extended health care benefits 9

10 (through (MROO) / (through Direct Comprehensive Other - Guaranteed issue within 90 days of loss of group coverage for individuals age 50 to 75 (inclusive) - Coverage not available for dependent children - Includes one PSA test per - Hospital coverage can be purchased on its own - Dental coverage cannot be purchased separately - Dental coverage is only available if previously covered for Dental under group plan - Includes PVS offering discounts on eyewear, laser eye surgery and hearing correction products and services - Available options include Travel Insurance Programs - Guaranteed issue within 90 days of loss of group coverage for individuals age 50 to 75 (inclusive) - Available to OMERS, HOOPP, CAAT, or other municipal/public sector pensioners - Coverage not available for dependent children - Includes one PSA test per - Hospital coverage can be purchased on its own - Dental coverage cannot be purchased separately - Dental coverage is only available if previously covered for Dental under group plan - Includes PVS offering discounts on eyewear, laser eye surgery and hearing correction products and services - Available options include Convalescent Care and Travel Insurance Programs - Guaranteed issue within 60 days of loss of group coverage for individuals age 50 to 75 (inclusive) - Rates may vary with evidence and/or date of loss of group coverage for individuals age 50 to 75 - Coverage for dependent children available at extra cost - Includes Preferred Vision Services, Health & Wellness website access, Health Information Service, Family Support Service and Nutrition Support Service - Enhanced coverage (Premier ) available at extra cost - Available options include Emergency Travel Medical, AD&D and Specific Loss Benefit, Hospital Cash Benefit, Major Dental Services and Supplies Benefit, Enhanced Prescription Drug Benefit (varying conditions apply) - Guaranteed issue at any time for individuals age 74 and under (some benefits subject to pre-existing conditions exclusion) - Includes AD&D coverage - Blue Cross Assistance Program including Health Consulting and Support Services, Information and Prevention Services and Partner privileges and discounts, 24-hour toll-free health assistance hotline - Enhanced coverage available at extra cost - Guaranteed issue within 60 days of loss of group coverage for individuals age 74 and under renewable ly for age 75 and over (some benefits subject to preexisting conditions exclusion) - Enhanced coverage (Health Coverage Choice C) is available at extra cost - Includes Best Doctors services - Dental coverage cannot be purchased separately - Mobile App and online access to coverage - Guaranteed issue within 60 days of loss of group coverage - Coverage for dependent children available at extra cost - Includes Fracture Benefit, AD&D, Lifeline Personal Response Service, one Survivor Benefit, Health Service Navigator - Basic, Enhanced or Premiere coverage is available at varying costs 10

11 (through (MROO) / (through Direct Comprehensive Contact Information retireeplan@encon.ca mroo@encon.ca plandirect@ pdadmin.com bco.indhealth@ ont.bluecross.ca SUN-LIFE ( ) service@sunlife.com COVER ME ( ) more_info@ manulife.com Contact Ryerson at (416) ext h2upal@ryerson.ca Monthly Premium 2 Retiree Ages 50 to 75: Health only $ Health & Dental $ Ages 50 to 75: Health only $91.12 Health & Dental $ Health & Dental $ (Preferred plus rate $161.67) Health & Dental $ (Preferred plus rate $165.67) Health & Dental $ (Preferred plus rate $171.04) Health (including Drug Option) & Dental $92.00 Health (including Drug Option) & Dental $ Health (including Drug Option) & Dental $ Health only $ Health & Dental $ Health only $ Health & Dental $ Health only $ Health & Dental $ Health & Dental $ Health & Dental $ Health & Dental $ Health $ Dental $84.82 Note: These rates are effective May 1, Medical evidence to be eligible 11

12 (through Retiree + Spouse Ages 50 to 75: Health only $ Health & Dental $ (MROO) / (through Ages 50 to 75: Health only $ Health & Dental $ Direct Comprehensive Health & Dental $ (Preferred plus rate $295.35) Health & Dental $ (Preferred plus rate $302.57) Health & Dental $ (Preferred plus rate $312.19) Health (including Drug Option) & Dental $ Health (including Drug Option) & Dental $ Health (including Drug Option) & Dental $ Health only $ Health & Dental $ Health only $ Health & Dental $ Health only $ Health & Dental $ Health & Dental $ Health & Dental $ Health & Dental $ Health $ Dental $ Note: These rates are effective May 1, Medical evidence to be eligible 1 Benefit descriptions are subject to change; the plan provisions summarized in this document are those currently in effect for 2013 only and may be subject to insurer-specified reasonable and customary limitations. 2 Premium Rates are subject to change; the rates shown are in effect at April 2013 for an individual (and spouse if applicable) under age 65, non-smoker, residing in Ontario. Certain plans may require medical underwriting which could impact the premium level. 12