Quintiles Canada Inc.

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1 Quintiles Canada Inc Quintiles Canada Inc. (All Employees) Group Policy No

2 Chapter Group File Your Group Insurance Booklet Keep in a safe place This booklet is a valuable source of information for you and your family. It provides the information you need about the group benefits available through your employer s group plan with Sun Life Assurance Company of Canada (Sun Life), a member of the Sun Life Financial group of companies. Please keep it in a safe place. We also recommend that you familiarize yourself with this information and refer to it when making a claim for group benefits. The contract holder, Quintiles Canada Inc. has established a Health Care Spending Account and entered into a Health Care Spending Account Services Contract with Sun Life. The contract holder has the sole legal and financial liability for the Personal Spending Account and Sun Life only acts as administrator. All other benefits are insured by Sun Life. Your Plan Administrator is there to help Your plan administrator can: help you enrol in the plan provide you with the forms you need to claim group benefits answer any questions you may have Benefits and claims information at your fingertips For more information about your group benefits or claims, please call Sun Life's Customer Care Centre toll-free number at We're on the Internet! Learn more by surfing Sun Life's website. There's information about group benefits, and about Sun Life's products and services... and a whole lot more! Check us out! Our address is: Accessing your records As required by legislation, for insured benefits, if you reside in Alberta or British Columbia, you may obtain copies of the following documents: your enrolment form or application for insurance. any written statements or other record, not otherwise part of the application, that you provided to Sun Life as evidence of insurability. For insured benefits, on reasonable notice, you may also request a copy of the policy. The first copy will be provided at no cost to you but a fee may be charged for subsequent copies. All requests for copies of documents should be directed to one of the following sources: our website at our Customer Care centre by calling toll-free at Your Group Insurance Booklet (ba00s) A-1

3 Respecting your privacy At Sun Life Financial, protecting your privacy is a priority. We maintain a confidential file in our offices containing personal information about you and your contract(s) with us. Our files are kept for the purpose of providing you with investment and insurance products or services that will help you meet your lifetime financial objectives. Access to your personal information is restricted to those employees, representatives and third party service providers who are responsible for the administration, processing and servicing of your contract(s) with us, our reinsurers or any other person whom you authorize. In some instances these persons may be located outside Canada, and your personal information may be subject to the laws of those foreign jurisdictions. You are entitled to consult the information contained in our file and, if applicable, to have it corrected by sending a written request to us. You have a choice We will occasionally inform you of other financial products and services that we believe meet your changing needs. If you do not wish to receive these offers, let us know by calling SUN-LIFE ( ). To find out about our Privacy Policy, visit our website at or to obtain information about our privacy practices, send a written request by to or by mail to Privacy Officer, Sun Life Financial, 225 King St. West, Toronto ON M5V 3C5. The statements in this booklet are only a summary of some of the provisions in the master policy. If you need further details on the provisions which apply to your group benefits you must refer to the master policy (available from your plan administrator). Your Group Insurance Booklet (ba00s) A-2

4 A ba00s Summary of Insurance Policy Number Basic Member Life Insurance and Accidental Death and Dismemberment Insurance Class of Members 4. Employees who opt for Bronze module 5. Employees who opt for Silver module 6. Employees who opt for Gold module Benefit Formula 1x annual earnings 2x annual earnings 3x annual earnings Maximum Benefit Non-Evidence Maximum * The maximum is combined with Optional Life Insurance Benefit Reduction: reduces by 50% on your 65th birthday Termination of Insurance: your retirement Optional Member Life Insurance Evidence Maximum $500,000 $800,000* $500,000 $800,000* $500,000 $800,000* Class of Members Benefit Formula Maximum Benefit 4. Employees who opt for Bronze module 5. Employees who opt for Silver module 6. Employees who opt for Gold module 1, 2, 3, 4 or 5 x annual earnings 1, 2, 3, 4 or 5 x annual earnings 1, 2, 3, 4 or 5 x annual earnings $500,000* $500,000* $500,000* *The combined maximum for Basic Member Life Insurance and Optional Life Insurance is $800,000 Termination of Insurance: your 70th birthday or your retirement, if earlier Dependant Life Insurance Spouse: $10,000 Each Child: $5,000 Termination of Insurance: your 70th birthday or your retirement, if earlier Summary of Insurance (ba00s) A-3

5 Long Term Disability Insurance Class of Members Benefit Formula Maximum Monthly Benefit 4. Employees who opt for Bronze module 5. Employees who opt for Silver module 6. Employees who opt for Gold module Evidence of Insurability 66.67% of monthly earnings 66.67% of monthly earnings 66.67% of monthly earnings $12,000* $12,000* $12,000* *Evidence of Insurability is required for insurance in excess of $10,000, and any increase in that insurance of 25% or more or $500, whichever is greater. Monthly Disability Benefit All references to income below and in the Long Term Disability Insurance Provision are to the gross amounts before any deductions. Here is how Sun Life calculates your Long Term Disability payments. Step 1: Sun Life takes the maximum amount specified above. Step 2: Sun Life subtracts any income provided to you: for the same or a subsequent disability under any government-sponsored plan, excluding amounts payable on behalf of a dependant, employment insurance benefits and automatic cost-of-living increases under any government-sponsored plan that occur after benefits begin. for the same or a subsequent disability under any Workers' Compensation Act, Workplace Safety and Insurance Act or similar law, excluding automatic cost-of-living increases that occur after benefits begin. under a motor vehicle insurance plan which provides disability benefits to the extent that the law does not prohibit such a deduction. under a group plan, including any coverage resulting from your membership in an association of any kind. under a retirement or pension plan funded in whole or in part by the employer, as a result of your disability or a medical condition. under the Québec Parental Insurance Plan. For the purpose of this provision, all payments under the Québec Parental Insurance Plan will be treated in the same manner as disability or retirement income. The result from Step 2 is the amount you will normally receive. If this amount plus the above sources of income and all the additional sources of income listed below exceeds 85% of your pre-disability basic earnings, Sun Life will reduce your Long Term Disability payment by the excess. Additional sources of income provided to you: under any Workers' Compensation Ac, Workplace Safety and Insurance Act or similar law for another disability, excluding any automatic cost-of-living increases that occur after benefits begin. under any Criminal Injuries Compensation Act or similar law, where allowed by law. If you are eligible for any of the income amounts above and do not apply for them, Sun Life will still consider them part of your income. Sun Life can estimate those benefits and use those amounts when Sun Life calculates your payments. If you receive any of the income amounts above in a lump sum, Sun Life will determine the equivalent compensation this represents on a monthly basis using generally accepted accounting principles. Sun Life will not take into account any benefits that began before your disability began. However, increases in those benefits as a result of your disability will be taken into account. Sun Life has the right to adjust your benefit payments when necessary. Summary of Insurance (ba00s) A-4

6 Qualifying Period Your Long Term Disability payments begin after you have been totally disabled for an uninterrupted period of 120 days or after the last day benefits are payable under any short term disability, loss of income or other salary continuation plan, whichever is later. This period, which must be completed before disability benefits become payable, is the Qualifying period. If you become totally disabled during a lay-off or approved leave and your insurance continues during this time, you will be eligible for benefit payments following your recall or scheduled return to full-time work with your employer. You must have been totally disabled for an uninterrupted period of 120 days and still be totally disabled on the date you are recalled or scheduled to return to full-time work with your employer. Maximum Benefit Period Your Long Term Disability payments end on the earlier of the following dates: the date you are no longer totally disabled. the last day of the month in which you reach age 65. the last day of the month in which you retire with a pension or are eligible to retire with a full pension or a full pension equivalent. the last day of the month in which you die. Termination of Insurance: your 65 th birthday less the qualifying period of 120 days or the day you retire, whichever is earlier At termination of employment, if you are receiving Long Term Disability payments, you are entitled to continue receiving payments, as long as your total disability is uninterrupted. Extended Health Insurance (Class 4 Bronze Module) Part Benefit Per person Deductible Per family Reimbursement A Drug: Pay Direct $100** $200** 80%* C Hospital: ward to semiprivate none none 100% D Supp. Health Care $100** $200** 80% E Out-of-Province Emergency and Travel Assistance none none 100% *When $2000. of eligible drug expenses have been incurred by you and your covered dependents under Part A in a calendar year, eligible drug expenses for the remainder of the calendar year will be reimbursed at 100%. **Applicable deductible for Parts A and D combined : $100 per person / $200 per family Summary of Insurance (ba00s) A-5

7 Extended Health Insurance (Class 5 Silver Module) Part Benefit Per person Deductible Per family Reimbursement A Drug: Pay Direct $50** $100** 90%* C Hospital: ward to semiprivate none none 100% D Supp. Health Care $50** $100** 90% E Out-of-Province Emergency and Travel Assistance none none 100% *When $2000 of eligible drug expenses have been incurred by you and your covered dependents under Part A in a calendar year, eligible drug expenses for the remainder of the calendar year will be reimbursed at 100%. **Applicable deductible for Parts A and D combined : $50 per person / $100 per family Extended Health Insurance (Class 6 Gold Module) Part Benefit Deductible per family Reimbursement A Drug: Pay Direct none 100% B Vision: $250* none 100% C Hospital: ward to semi-private none 100% D Supp. Health Care none 100% E Out-of-Province Emergency and Travel Assistance none 100% *Maximum for eyeglasses/contact lenses every 24 month period for you and your insured dependants. Drug coverage for Québec residents For all members under age 65 who are not covered by the Québec Drug Insurance Plan of the Régie de l'assurance-maladie du Québec (RAMQ) In addition to the above provisions, the following applies to the Drug Benefit for Québec residents who purchase an eligible drug that is included on the Régie de l'assurance-maladie du Québec (RAMQ) formulary: Annual Out-of-Pocket Maximum: The maximum for out-of-pocket eligible expenses is limited to the amount specified by law and applied in the provincial drug plan administered by the RAMQ. The annual out-of-pocket maximum amount applies separately to each adult under the plan. However, your out-of-pocket maximum includes expenses for each dependent child. Out-of-pocket eligible expenses include any deductible and co-payment. Reimbursement: The reimbursement percentage is applied up to the annual out-of-pocket maximum. After the annual maximum is reached, eligible expenses will be reimbursed at 100%. The reimbursement percentage applies after any deductibles have been satisfied. Termination of Insurance: your 70th birthday, your retirement or at termination of your employment, if earlier (this does not apply to Québec residents if you meet all of the conditions of eligibility). Summary of Insurance (ba00s) A-6

8 Dental Insurance (Class 4 Bronze Module) Part A Benefit Diagnostic/ Preventive Deductible per family unit Maximum none 80% $1,000* B Restorative none 80% * D Periodontic none 80% * H Endodontic none 80% * *The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A, B, D, and H for you and for each insured dependant. Late Entrant Maximum: If your eligible dependant becomes insured more than 31 days after the date you became eligible for the Dental Insurance Provision, the maximum amount payable for the combined eligible expenses of all parts incurred during the first 12 months of insurance will be limited to $250 for each of your insured dependant. Termination of Insurance: your 70th birthday, your retirement or at termination of your employment, if earlier Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the province where the expense is incurred or, for expenses incurred outside Canada, in the province of residence of the member. For expenses incurred in Alberta, or outside Canada by an Alberta resident, the applicable fee guide is the 1997 Alberta Fee Guide plus an inflationary adjustment determined by Sun Life. Dental Insurance (Class 5 Silver Module) Part Benefit Deductible per family unit Reimbursement Reimbursement Maximum A Preventive none 100% $1,500* A1 Diagnostic none 80% * B Restorative none 80% * C Orthodontic none 50% $1,500** D Periodontic none 80% * E Denture none 50% * F Bridge none 50% * G Crown none 50% * H Endodontic none 80% * *The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A, A1, B, D, E, F, G, and H for you and for each insured dependant. **The maximum lifetime amount payable applies to the eligible expenses under Part C. Late Entrant Maximum: If your eligible dependant becomes insured more than 31 days after the date you became eligible for the Dental Insurance Provision, the maximum amount payable for the combined eligible expenses of all parts incurred during the first 12 months of insurance will be limited to $250 for each of your insured dependant. Termination of Insurance: your 70th birthday, your retirement or at termination of your employment, if earlier Summary of Insurance (ba00s) A-7

9 Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the province where the expense is incurred or, for expenses incurred outside Canada, in the province of residence of the member. For expenses incurred in Alberta, or outside Canada by an Alberta resident, the applicable fee guide is the 1997 Alberta Fee Guide plus an inflationary adjustment determined by Sun Life. Dental Insurance (Class 6 Gold Module) Part Benefit Deductible per family unit Reimbursement Maximum A Preventive none 100% $2,500* A1 Diagnostic none 90% * B Restorative none 90% * C Orthodontic none 50% $1,500** D Periodontic none 90% * E Denture none 50% * F Bridge none 50% * G Crown none 50% * H Endodontic none 90% * *The maximum amount payable applies to the combined eligible expenses incurred in a calendar year under Parts A, A1, B, D, E, F, G and H for you and for each insured dependant. **The maximum lifetime amount payable applies to the eligible expenses under Part C. Late Entrant Maximum: If your eligible dependant becomes insured more than 31 days after the date you became eligible for the Dental Insurance Provision, the maximum amount payable for the combined eligible expenses of all parts incurred during the first 12 months of insurance will be limited to $250 for each of your insured dependant. Termination of Insurance: your 70th birthday, your retirement or at termination of your employment, if earlier Dental Fee Guide: The applicable fee guide is the one in force for general practitioners on the day when and in the province where the expense is incurred or, for expenses incurred outside Canada, in the province of residence of the member. For expenses incurred in Alberta, or outside Canada by an Alberta resident, the applicable fee guide is the 1997 Alberta Fee Guide plus an inflationary adjustment determined by Sun Life. Health Spending Account (Non-Insured Benefit) The benefit year is from January 1 to December 31. Both; your eligible dependants and you are covered under this benefit. Plan credits: $500 on the commencement of each benefit year per employee If your coverage starts after January 1, 2013, your plan credits are adjusted by the employer for the benefit year. If you need additional information, please contact your employer. Termination of coverage: your 70th birthday. your retirement or at termination of your employment, if earlier Summary of Insurance (ba00s) A-8

10 F bf07v General Information Eligibility You are eligible, and continue to be eligible, to be a member while you meet all of the following conditions: 1. You regularly work for Quintiles Canada Inc. at least 25 hours each week. 2. You have been continuously employed by Quintiles Canada Inc. at least as long as the waiting period. 3. You are a resident of Canada. Participation is compulsory unless you are insured for comparable coverage under your spouse s plan. If you are classified as a contract employee, owner-operator, consultant, independent or if you are self-employed, you are not eligible to join the plan. Waiting Period : none You are eligible, and continue to be eligible, for dependant insurance while you meet all of the following conditions: 1. You are a member. 2. You have at least one dependant. 3. Your dependants are residents of Canada. Comparable Coverage If you are insured for comparable coverage under your spouse's plan, you may decline the Extended Health/Dental coverage offered under this plan. If this comparable coverage stops you will be insured for the similar coverage provided by this plan. If your dependant is insured for comparable coverage under another plan, you may decline the dependant coverage for the Extended Health/Dental coverage offered under this plan. If this comparable coverage stops, you may request the similar coverage offered under this plan. The insurance that replaces the comparable coverage is effective on the date that the comparable coverage stops. If you request the dependant coverage more than 31 days after the comparable coverage stops, you are considered a late entrant and you must submit evidence of insurability for each dependant to Sun Life. The insurance that replaces the comparable coverage is effective on the date that Sun Life approves the evidence of insurability. If Sun Life does not approve evidence of insurability required, the insurance will not be effective. Definitions Dependant means your spouse or a dependent child of you or your spouse. If Sun Life does not approve evidence of insurability required for a dependant, he will not be an insured dependant. Dependent child means a natural, adopted or step-child who is not married or in any other formal union recognized by law, who is entirely dependent on you for maintenance and support and who is 1. under 21 years of age, 2. under 26 years of age and attending a college or university full-time, proof of the attendance must be provided each year starting at the age of 21, or 3. physically or mentally incapable of self-support and became incapable to that extent while entirely dependent on you for maintenance and support and while eligible under 1) or 2) above. General Information (bf07v) F-1

11 He, his and him refer to both genders. Spouse means your spouse by marriage or under any other formal union recognized by law, as well a person of the opposite or same sex who is living with and has been living with you in a conjugal relationship will be considered to be your spouse. Enrolment To enrol for Optional Life Insurance, you must submit a completed enrolment form and you must submit evidence of insurability to Sun Life. To enrol for all other insurance, you must submit a completed enrolment form. If you have a dependant, request dependant insurance when you enrol. If there are fewer than 10 members when you enrol, you must submit evidence of insurability to Sun Life. If you request dependant insurance more than 31 days after you become eligible, you are considered a late entrant and you must submit evidence of insurability for each dependant to Sun Life. If you have no dependant when you enrol and later acquire one, request dependant insurance, (eg. birth of first child, marriage). If your new dependant is a common-law spouse, see your Plan Administrator to find out how to enrol for dependant insurance. For late entrants, evidence of insurability submitted to Sun Life is at your expense. Effective Date Your Optional Life Insurance is effective on the later of the date that you become eligible or the date that your evidence of insurability is approved by Sun Life. Other insurance is effective on the date you become eligible. Your dependant insurance is effective on the latest of the date that you become eligible for dependant insurance, the date that you request dependant insurance, or the date that Sun Life determines the insurability of all of your dependants and approves at least one dependant. If you are absent from work on the date your insurance or your dependant insurance would be effective, then that insurance will not be effective until the date you return to active work. Changes in Insurance If you request an increase in the amount of Optional Life Insurance, you must submit evidence of insurability to Sun Life. The increase in the amount of insurance will be effective on the date that Sun Life approves the evidence of insurability. An increase in your benefits, the amount of your insurance or the amount of your dependant insurance due to change in your group benefit plan's design or a change in your classification becomes effective on the date of the change, unless you are not actively working on that day due to disease or injury. If Sun Life doesn't approve an increase in the amount of your insurance or the amount of your dependant insurance, any future increase in the maximum benefit amount will not be effective unless evidence of insurability is approved. An increase in the maximum benefit amount will be effective on the date Sun Life approves the evidence of insurability. General Information (bf07v) F-2

12 If, due to disease or injury, you are not actively working on the date an increase in your benefits, the amount of your insurance or the amount of your dependant insurance would be effective, the increase becomes effective on the date you return to active work. Sun Life may require evidence of insurability to establish the date that you are physically and mentally fit to return to active work. If so, the increase becomes effective on the date Sun Life establishes. If Sun Life doesn't approve the evidence of insurability required, the increase will not be effective Subrogation Subrogation is a legal practice giving Sun Life the right to be reimbursed for benefits paid to you if you have been compensated by another person who is responsible for your loss. The intent of subrogation is to limit your benefit payments to the amount you actually lost. Let's assume a person is responsible for your disability, and is required to compensate you for any of the loss that results from your disability. If Sun Life is paying or has paid your loss of income benefits, you may be receiving more income than you earned before you became disabled. In that case, you would reimburse Sun Life for the loss of income benefits Sun Life has paid. If you receive an amount for future loss of income, that amount will reduce your future loss of income benefits from Sun Life. Subrogation also applies to any medical and/or dental expenses you have been paid as a result of an injury caused by another person. Once you are compensated by the person who is responsible for your loss, you must reimburse Sun Life. If subrogation applies to your claim, Sun Life will contact you to obtain the information required to proceed. You will be required to sign an undertaking to reimburse Sun Life for any amount recovered which exceeds 100% of income or expenses. Before agreeing to a settlement of your claim, Sun Life's approval must be obtained. Termination of Insurance Your insurance could terminate for a number of reasons. For example, you are no longer eligible, (i.e. you are no longer actively working), you reach the Termination Age, the provision or the policy terminates. General Information (bf07v) F-3

13 G bg01v013 Basic Member Life Insurance and Optional Life Insurance Provision Benefit The amount of benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or if the beneficiary has predeceased you, payment will be made to your estate. A minor cannot personally receive a death benefit under the plan until reaching the age of majority. If you reside outside Québec and are designating a minor as your beneficiary, you may wish to designate someone to receive the death benefits during the time your beneficiary is a minor. If you reside outside Québec and have not designated a trustee, current legislation may require Sun Life to pay the death benefit to the court or to a guardian or public trustee. If you reside in Québec, the death benefit will be paid to the parent(s)/legal guardian of the minor on the minor s behalf. Alternatively, you may wish to designate the estate as beneficiary and provide a trustee with directions in your will. You are encouraged to consult a legal advisor. If you become totally disabled before age 65, your Life Insurance may be continued. Premiums for the continued insurance will be waived after you have been totally disabled from the same or related causes for 120 continuous days. Death Benefit - Exclusion No benefit is payable for any amount of Optional Life Insurance that has been in force for less than 2 years if death is due to suicide while sane or insane. Claims A death claim must be received by Sun Life within 6 years of the date of death. The claimant must submit proof of the claim and the right to receive the benefit to Sun Life. If you become totally disabled and are also insured for group Long Term Disability Insurance with Sun Life, you must submit a disability claim along with your claim under the group Long Term Disability Insurance to Sun Life. If you become totally disabled and are not insured for group Long Term Disability Insurance with Sun Life, you must submit a disability claim to Sun Life after you have been totally disabled continuously for 6 months but not beyond 12 months after the date you became totally disabled. Except where or when applicable legislation permits the use of a different limitation period, every action or proceeding against an insurer for the recovery of insurance money payable under the policy is absolutely barred unless commenced within the time set out in the Insurance Act or the time set out in such other legislation as may apply to a claim, action or proceeding for insurance money. Where or when applicable legislation permits the use of a different limitation period, no legal action or proceeding may be brought against Sun Life: 1. regarding any claims for which no payment has been made by Sun Life, more than one year after the end of the time period in which the initial submission of proof of claim is required by the terms of the policy, or 2. regarding claims for which some payment has been made by Sun Life, more than one year after the last payment made by Sun Life with respect to the claim, or 3. regarding claims for waiver of Member Life Insurance premiums which are initially approved, more than one year after the date you cease to be insured or your premiums cease to be waived. Basic Member Life Insurance and Optional Life Insurance Provision (bg01v013) G-1

14 At Termination If your Life Insurance ends for any reason other than your request, you may apply to convert the group Life Insurance to an individual Life policy with Sun Life without providing evidence of insurability. The request must be made within 31 days of the reduction or end of the Life Insurance. There are a number of rules and conditions in the group policy that apply to converting this insurance, including the maximum amount that can be converted. Please contact your employer for details.. Basic Member Life Insurance and Optional Life Insurance Provision (bg01v013) G-2

15 H bh01s009 Dependant Life Insurance Provision Benefit The amount of benefit will be paid to you upon the death of your insured dependant. If you become totally disabled, your Dependant Life Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived. Claims A claim must be received by Sun Life within 6 years of the date of death. You must submit proof of claim and the right to receive the benefit to Sun Life. Except where or when applicable legislation permits the use of a different limitation period, every action or proceeding against an insurer for the recovery of insurance money payable under the policy is absolutely barred unless commenced within the time set out in the Insurance Act or the time set out in such other legislation as may apply to a claim, action or proceeding for insurance money. Where or when applicable legislation permits the use of a different limitation period, no legal action or proceeding may be brought against Sun Life: 1. regarding any claims for which no payment has been made by Sun Life, more than one year after the end of the time period in which the initial submission of proof of claim is required by the terms of the policy, or 2. regarding claims for which some payment has been made by Sun Life, more than one year after the last payment made by Sun Life with respect to the claim, or 3. regarding claims for waiver of Dependant Life Insurance premiums which are initially approved, more than one year after the date your dependant ceases to be insured or your dependant s premiums cease to be waived. At Termination If your Dependant Life Insurance for your spouse terminates due to the termination of your Member Life Insurance, your spouse may convert the amount of the dependant insurance terminated to an individual policy on his life. Your spouse must apply and pay the premium to Sun Life within 31 days after termination of insurance. Where necessary in order to comply with applicable legislation: If the dependant insurance for a child terminates due to the termination of your insurance, you may convert the amount of the dependant insurance terminated to an individual policy on the child s life without submitting evidence of insurability. The conditions that apply to the Conversion Privilege for the member's insurance will apply to the Conversion Privilege for the dependant insurance. If your Dependant Life Insurance terminates and the dependant dies within 31 days after termination of insurance, we will pay you the amount of insurance which could have been converted to an individual policy on the dependant life s through the Conversion Privilege of this provision, or the amount stipulated in any applicable legislation, if greater. Dependant Life Insurance Provision (bh01s009) H-1

16 I bi01s009 Member Accidental Death and Dismemberment Insurance Provision Benefit The amount of death benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or, if the beneficiary has predeceased you, payment will be made to your estate. The amount of dismemberment benefit will be paid to you. A minor cannot personally receive a death benefit under the plan until reaching the age of majority. If you reside outside Québec and are designating a minor as your beneficiary, you may wish to designate someone to receive the death benefits during the time your beneficiary is a minor. If you reside outside Québec and have not designated a trustee, current legislation may require Sun Life to pay the death benefit to the court or to a guardian or public trustee. If you reside in Québec, the death benefit will be paid to the parent(s)/legal guardian of the minor on the minor s behalf. Alternatively, you may wish to designate the estate as beneficiary and provide a trustee with directions in your will. You are encouraged to consult a legal advisor. If a claim is submitted for Repatriation, we will pay your estate. If a claim is submitted for Occupational Training for Spouse, we will pay your spouse. If a claim is submitted for Education Benefit for Dependant Child, we will pay your dependent child. Depending on the loss suffered by you, the amount of benefit is limited to the percentage shown in the Schedule of Losses. Schedule of Losses Loss of Life 100% Hemiplegia 200% Paraplegia 200% Quadriplegia 200% Loss of Both Hands, Both Feet or Sight of Both Eyes 100% Loss of One Hand and One Foot 100% Loss of One Hand and Sight of One Eye 100% Loss of One Foot and Sight of One Eye 100% Loss of Speech and Hearing 100% Loss of Use of Both Hands or Both Feet 100% Loss of Use of One Hand and One Foot 100% Loss of One Arm or One Leg 75% Loss of Use of One Arm or One Leg 75% Loss of One Hand, One Foot or Sight of One Eye 67% Loss of Use of One Hand or One Foot 67% Loss of Speech or Hearing 50% Loss of Hearing in One Ear 50% Loss of Thumb and Index Finger of One Hand 33% Loss of Four Fingers of One Hand 33% Loss of All Toes of One Foot 25% Member Accidental Death and Dismemberment Insurance Provision (bi01s009) I-1

17 If you suffer more than one of the losses listed above as a result of one accident, Sun Life will pay the amount of benefit for only one loss. That loss will be the highest of the losses suffered by you. When proof is received by Sun Life that you have suffered any of the losses due directly to bodily injury caused solely by an accident, the amount of benefit will be paid, provided all of the following conditions are met: The accident must occur while you are insured under this provision. The loss must occur within 365 days of the date of the accident. If you become totally disabled, your Accidental Death and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived. Repatriation If you suffer loss of life, we will pay the reasonable and customary expenses, limited to a maximum of $10,000, for the preparation and transportation of your body from the place of the accident to your place of permanent residence. The accidental death must occur at a distance of 150 kilometres or more from your place of permanent residence. Rehabilitation If you suffer any of the losses, we will pay the reasonable and customary expenses, limited to a maximum of $10,000, to train you for active employment in an occupation for which you would not have engaged except for those injuries. The expenses must be incurred within 2 years of the date of the accident. No payment will be made for room or board or other ordinary living, travelling, or clothing expenses. Occupational Training for Spouse If you suffer loss of life, we will pay the reasonable and customary expenses, limited to a maximum of $10,000, to enrol your spouse in an accredited occupational training program to qualify him for active employment in an occupation for which he would not otherwise have sufficient qualifications. The expenses must be incurred within 3 years of the date of the accident. No payment will be made for room or board or other ordinary living, travelling, or clothing expenses. Education Benefit for Dependent Child If you suffer loss of life, we will pay the reasonable and customary tuition expenses to enrol your dependent child as a full-time student at a post-secondary institution provided 1. your dependent child is enrolled as a full-time student at a post-secondary institution at the time of the accident, or 2. your dependent child is a student at the secondary school level and, within 365 days of the date of the accident, he enrols as a full-time student at a post-secondary institution. The maximum amount of benefit payable for each year that your dependent child is enrolled as a full-time student at a post-secondary institution will be the lesser of: 1. 5% of your amount of benefit, or 2. $5,000. The amount of benefit will be paid each year, up to 4 consecutive years, after we receive proof that your dependent child is enrolled as a full-time student at a post-secondary institution. Member Accidental Death and Dismemberment Insurance Provision (bi01s009) I-2

18 No payment will be made for: 1. tuition expenses incurred before the date of the accident. 2. room or board or other ordinary living, travelling, or clothing expenses. A post-secondary institution includes any accredited university, colleges d'enseignement general et professionnel, trade school, community college, or private college that provides an education above the secondary school level. Claims A death claim must be received by Sun Life within 6 years of the date of death. A claim for a loss must be received by Sun Life within 3 months of the date of the loss. All other claims must be received by Sun Life within 3 months of the date that the expense is incurred. The claimant must submit proof of claim and the right to receive the benefit to Sun Life. Except where or when applicable legislation permits the use of a different limitation period, every action or proceeding against an insurer for the recovery of insurance money payable under the policy is absolutely barred unless commenced within the time set out in the Insurance Act or the time set out in such other legislation as may apply to a claim, action or proceeding for insurance money. Where or when applicable legislation permits the use of a different limitation period, no legal action or proceeding may be brought against Sun Life: 1. regarding any claims for which no payment has been made by Sun Life, more than one year after the end of the time period in which the initial submission of proof of claim is required by the terms of the policy, or 2. regarding claims for which some payment has been made by Sun Life, more than one year after the last payment made by Sun Life with respect to the claim, or 3. regarding claims for waiver of Member Accidental Death and Dismemberment Insurance premiums which are initially approved, more than one year after the date you cease to be insured or your premiums cease to be waived. Exclusions No benefit is payable for a loss directly or indirectly due to 1. suicide, while sane or insane, 2. self-inflicted injuries, while sane or insane, 3. disease, 4. civil disorder or war, whether or not war was declared, 5. full-time service in the armed forces of any country, 6. injuries received while riding in, or on, or boarding or alighting from an aircraft if, when the injuries were received, a. you were operating, learning to operate or serving as a member of a crew of any aircraft, or b. the aircraft was being used for crop dusting, crop spraying, seeding, sky-writing, racing, testing, exploration or any other purpose except transportation. Member Accidental Death and Dismemberment Insurance Provision (bi01s009) I-3

19 L bl20sl Long Term Disability Insurance Provision Definitions Appropriate treatment means any treatment that is performed and prescribed by a doctor or, when Sun Life believes it is necessary, by a medical specialist. It must be the usual and reasonable treatment for the condition and must be provided as frequently as is usually required by the condition. It must not be limited solely to examinations or testing. Basic earnings on a given date, means the rate of the regular remuneration received by you on that date for your regular employment. For a member earning commission, this rate is the average remuneration received during the previous 12 months. Earnings for a member with less than one year of service will be the estimated amount of regular remuneration specified by your employer. Doctor means a physician or surgeon who is licensed to practice medicine where that practice is located. Illness means a bodily injury, disease, mental infirmity or sickness. Any surgery, needed to donate a body part to another person, which causes total disability, is an illness. Total disability and totally disabled For your Long Term Disability insurance, during the qualifying period and the following 24 months (this period is known as the own occupation period), you will be considered totally disabled while you are continuously unable due to an illness to do the essential duties of your own occupation, and afterwards, you will be considered totally disabled if you are continuously unable due to an illness to do any occupation for which you are or may become reasonably qualified by education, training or experience. If you have 35 or more years of employment with your employer, you will be considered totally disabled while you are prevented by illness from performing the essential duties of your own occupation. If you must hold a government permit or licence to perform your own occupation and your permit or licence is withdrawn or not renewed solely for medical reasons, Sun Life will consider you totally disabled for up to 12 months after the end of the qualifying period. You cannot be working other than in a Sun Life approved partial disability or rehabilitation program. General Description of the Insurance Long Term Disability insurance provides a benefit to you if you are totally disabled. You qualify for this benefit if you provide proof of claim acceptable to Sun Life that: you became totally disabled while insured, your total disability has continued beyond the qualifying period specified in the Summary of Insurance, and you have been following appropriate treatment for the disability since its onset. Benefits are paid at the end of each month and are based on your insurance on the date you became totally disabled. If you are totally disabled for part of any month, Sun Life will pay 1/30 of the monthly benefit for each day you are totally disabled. Long Term Disability Insurance Provision (bl20sl) L-1

20 Maternity / Parental Leave of Absence Maternity leave agreed to with your employer will begin on the date you and your employer have agreed will be the start of your leave or the date the child is born, whichever is earlier. The leave will end on the date you and your employer have agreed that you will return to active, full-time work or the actual date you return to active, full-time work, whichever is earlier. Parental leave is the period of time that you and your employer have agreed on. Sun Life will determine any portions of a maternity or parental leave which are voluntary and any portions which are health-related. The health-related portion of the leave is the period in which a woman can establish, through appropriate medical documentation, that she is unable to work for health reasons related to childbirth or recovery from childbirth. Long Term Disability benefits will only be payable for health-related portions of the leave where necessary in order to comply with requirements such as employment standards, human rights and employment insurance, after you have been disabled for an uninterrupted period of 120 days, provided your insurance has been continued. However, if your employer has a Supplemental Unemployment Benefit (SUB) plan as defined in the Employment Insurance regulations covering the health-related portion of the maternity or parental leave, Sun Life will not pay any benefits under this plan during any period benefits are payable to you under your employer's SUB plan. Partial Disability Program You may be required to participate in a partial disability program approved by Sun Life in writing. After you are eligible for Long Term Disability payments, you may be considered for a partial disability program in which you return to your own occupation for a reduced number of hours per week. During your partial disability program, you can receive a salary from your employer for the hours worked. However, your Long Term Disability payments will be reduced by the percentage of your normal work week that you are now working for your employer. During your partial disability program your total income from all sources cannot exceed 100% of your pre-disability basic earnings, indexed for inflation. If this is the case, your Long Term Disability payments will be further reduced by the excess. Your participation in a partial disability program will be limited to the own occupation period. Rehabilitation Program You may be required to participate in a rehabilitation program approved by Sun Life in writing. It may include the involvement of a Sun Life rehabilitation specialist, part-time work, working in another occupation or vocational training to help you become capable of full-time employment. Sun Life is under no obligation to approve or continue a rehabilitation program for a member. Sun Life will consider such factors as financial considerations and Sun Life's opinion on the merits of rehabilitation. During your rehabilitation program, you may receive your Long Term Disability payments plus income from other sources. However, if during any month your total income is more than 100% of your pre-disability basic earnings, indexed for inflation, your Long Term Disability payments will be reduced by the excess. You should consider participating in a rehabilitation program as soon as possible after becoming totally disabled. If you enter a rehabilitation program during the qualifying period, it will not be considered an interruption of the qualifying period. Long Term Disability Insurance Provision (bl20sl) L-2

21 Interrupted Periods of Disability During the Qualifying Period Interrupted periods of total disability due to the same or related causes occurring before the qualifying period has been completed are treated as one period of disability and are accumulated to complete the qualifying period as long as this benefit is in force and all of the following conditions are met: the initial period of total disability lasts for at least 30 days without interruption. afterwards, there is no interruption of more than 30 days. each period of total disability is completed within 12 months after the start of the qualifying period, or as approved by Sun Life in advance in cases where the qualifying period is 365 days or more. The difference between your normal number of scheduled hours and the number of hours actually worked is credited towards the qualifying period. If the Long Term Disability benefit terminates, any balance of the qualifying period must subsequently be completed by uninterrupted total disability. Interrupted Periods of Disability After Payments Begin If you had a total disability for which Sun Life paid Long Term Disability benefits and total disability occurs again due to the same or related causes, Sun Life will consider it a continuation of your previous disability if it occurs within 6 months of the end of your previous disability. You must be insured when total disability reoccurs. These benefits will be based on your insurance as it existed on the original date of total disability. Your Responsibilities During your total disability, you must make reasonable efforts to: recover from your disability, including participating in any reasonable treatment or rehabilitation program and accepting any reasonable offer of modified duties from your employer. return to your own occupation during the first 24 months that benefits are payable. obtain training in order to qualify for another occupation if it becomes apparent that you will not be able to return to your own occupation within the first 24 months that benefits are payable. try to obtain work in another occupation after the first 24 months that benefits are payable. obtain benefits that may be available from other sources. If you do not, Sun Life may hold back or discontinue benefits. Payments after Insurance Ends If the Long Term Disability benefit terminates while you are totally disabled, you are entitled to continue receiving payments, as long as your total disability is uninterrupted, as if the benefit were still in effect. Exclusions and Limitations Sun Life will not pay benefits for any period: you are not receiving appropriate treatment. that you do any work for wage or profit except as approved by Sun Life. you are not participating in an approved partial disability or rehabilitation program, if required by Sun Life. you are on a leave of absence, strike or lay-off except as stated under Maternity / Parental Leave of Absence or except where specifically agreed to by Sun Life. you are absent from Canada longer than 4 months due to any reason, unless Sun Life agrees in writing in advance to pay benefits during the period. you are serving a prison sentence or are confined in a similar institution. Long Term Disability Insurance Provision (bl20sl) L-3

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