Ta be l oco f n e t n st Ta ble of Con tents Ben e fit Sum mary....3 How to Use Your Ben e fit Book let Explanation of Commonly Used Terms...13

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1 Saskatchewan School Boards Association Employer: South East Cornerstone S.D. #209 Plan Document Number: G Group Policy Number: G Class: South East Cornerstone S.D. #209 Group 1141 Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document Effective Date: May 1, 2005 Group Policy Effective Date: May 1, 2005 This Benefit Booklet has been specifically designed with your needs in mind, providing easy access to the information you need about the benefits to which you are entitled. Group Benefits are important, not only for the financial assistance they provide, but for the security they provide for you and your family, especially in case of unforeseen needs. Your employer can answer any questions you may have about your benefits, or how to submit a claim. This booklet provided electronically: October 2,

2 Ta be l oco f n e t n st Ta ble of Con tents Ben e fit Sum mary....3 How to Use Your Ben e fit Book let Explanation of Commonly Used Terms...13 Why Group Ben e fits? Your Em ployer s Rep re sen ta tive...16 Ap ply ing for Group Ben e fits Mak ing Changes The Claims Pro cess...17 Nam ing a Ben e fi ciary How to Sub mit a Claim...17 Co-or di na tion of Ex tended Health Care and Den tal Care Ben e fits Who Qualifies for Coverage? El i gi bil ity Med i cal Ev i dence Late Ap pli ca tion...20 Late Den tal Ap pli ca tion Ef fec tive Date of Cov er age Ter mi na tion of Cov er age...21 Your Group Ben e fits...23 Health Ser vice Nav i ga tor Ser vices...23 Re sil ience Ser vices Em ployee Life In sur ance...25 Em ployee Op tional Life In sur ance De pend ent Op tional Life In sur ance...31 Ac ci den tal Death and Dis mem ber ment...33 Em ployee Op tional Ac ci den tal Death and Dis mem ber ment De pend ent Op tional Ac ci den tal Death and Dis mem ber ment...45 Ex tended Health Care Den tal Care Sur vi vor Ex tended Ben e fit...72 Long Term Dis abil ity...72 Crit i cal Ill ness Ben e fits Em ployee Op tional Crit i cal Ill ness In sur ance...79 Spousal Op tional Crit i cal Ill ness In sur ance...80 Child Op tional Crit i cal Ill ness In sur ance...80 Notes Saskatchewan School Boards Association

3 Ben e fit Sum mary This Benefit Summary provides information about the specific benefits supplied by Manulife Financial that are part of your Group Plan. This version of the Benefit Summary provided electronically: October 2, 2013 Health Service Navigator Available as part of your Critical Illness benefit, Health Service Navigator provides health resources and information to assist you and your eligible dependants in learning more about your health concerns and health services available within Canada and your local community. It features access to: A national physician search database Health Service Navigator Provincial health plan information Tips and tools to best navigate and leverage the Canadian health resources available Credible health, medical condition, treatment plan and medication information A second opinion service, where applicable delivered through a second opinion provider and a consortium of provider hospitals. The member care centre support is available from 8 AM to 8 PM Monday to Friday your local time. Resilience Services Short Term Counselling - approximately (4) to (6) hours of counselling for an unlimited number of Issues Resilience Services Legal Counselling Service - up to (2) hours of legal counselling Financial Counselling Service - up to (2) hours of financial counselling Online Courses - unlimited access to online courses Online Childcare and Eldercare Resource Database - unlimited access to a national online childcare and eldercare resource database Employee Life Insurance The Employee Life Insurance Benefit is insured under Manulife Financial s Policy G Employee Life Insurance Benefit Amount - 1 times your annual earnings, rounded to the next highest $1,000 if not already a multiple thereof, to a maximum of $350,000 Termination Age - your benefit amount terminates at age 70 or retirement, whichever is earlier Saskatchewan School Boards Association 3

4 Ben e fit Sum mary Employee Optional Life Insurance Employee Optional Life Insurance The Employee Optional Life Insurance Benefit is insured under Manulife Financial s Policy G Benefit Amount - increments of $10,000 to a maximum of $350,000 Termination Age - age 70 or retirement, whichever is earlier Dependent Optional Life Insurance Dependent Optional Life Insurance The Dependent Optional Life Insurance Benefit is insured under Manulife Financial s Policy G Benefit Amount - Spouse - increments of $10,000 to a maximum of $350,000 Termination Age - spouse s age 70 or employee s retirement, whichever is earlier Accidental Death and Dismemberment Accidental Death and Dismemberment The Accidental Death and Dismemberment Benefit is insured under Manulife Financial s Policy G Benefit Amount - 1 times your annual earnings, rounded to the next highest $1,000 if not already a multiple thereof, to a maximum of $350,000 Termination Age - your benefit amount terminates at age 70 or retirement, whichever is earlier Employee Optional Accidental Death and Dismemberment Employee Optional Accidental Death and Dismemberment The Employee Optional Accidental Death and Dismemberment Benefit is insured under Manulife Financial s Policy G Benefit Amount - increments of $10,000 to a maximum of $350,000 Termination Age - age 70 or retirement, whichever is earlier 4 Saskatchewan School Boards Association

5 Ben e fit Sum mary Dependent Optional Accidental Death and Dismemberment The Dependent Optional Accidental Death and Dismemberment Benefit is insured under Manulife Financial s Policy G Dependent Optional Accidental Death and Dismemberment Benefit Amount - Spouse of the amount of the Employee s Optional Accidental Death and Dismemberment Benefit to a maximum benefit of $175,000 if there are no children; 0.4 of the amount of the Employee s Optional Accidental Death and Dismemberment Benefit to a maximum benefit of $140,000 if there are children. - Child of the amount of the Employee s Optional Accidental Death and Dismemberment Benefit to a maximum benefit of $52,500 if there is no spouse; 0.1 of the amount of the Employee s Optional Accidental Death and Dismemberment Benefit to a maximum benefit of $35,000 if there is a spouse. For loss other than loss of life, the amount of Child Benefit, shown above will be calculated using 2 times the percentage for the loss indicated in the SPECIFIED LOSS table, up to a maximum of $75,000 Termination Age - employee s age 70 or retirement, whichever is earlier Extended Health Care The Benefit An Employee may select one of the following Options: Extended Health Care Extended Health Care - The Benefit Option 1 - Extended Health Care including Vision Care Option 2 - Extended Health Care excluding Vision Care Option 3 - Vision Care Only Overall Benefit Maximum - Unlimited Options 1, 2 and 3 Deductible - Nil Drug Dispensing Fee - the employee will pay 100% of any Drug Dispensing Fee Benefit Percentage (Co-insurance) Option 1 100% for Hospital Care Vision Professional Services Medical Supplies and Services Saskatchewan School Boards Association 5

6 Ben e fit Sum mary 80% for Prescription Drugs Note: The Benefit Percentage for Out-of-Province/Canada Emergency Medical Treatment is 100%. The Benefit Percentage for Referral outside Canada for Medical Treatment Available in Canada is 50%. The Benefit Percentage for Emergency Travel Assistance is 100%. Option 2 100% for Hospital Care Professional Services Medical Supplies and Services 80% for Prescription Drugs Note: The Benefit Percentage for Out-of-Province/Canada Emergency Medical Treatment is 100%. The Benefit Percentage for Referral outside Canada for Medical Treatment Available in Canada is 50%. The Benefit Percentage for Emergency Travel Assistance is 100%. Option 3 100% for Vision Care Termination Age - employee s age 70 or retirement, whichever is earlier Extended Health Care - ManuScript Generic Drug Plan 2 - Prescription Drugs Manu Script Ge neric Drug Plan 2 - Pre scrip tion Drugs Charges incurred for the following expenses are payable when prescribed in writing by a physician or dentist and dispensed by a licensed pharmacist. drugs for the treatment of a sickness or injury, which by law or convention require the written prescription of a physician or dentist oral contraceptives, intrauterine devices and diaphragms vitamin B6 and B12 for weight loss. injectable medications (charges made by a practitioner or physician to administer injectable medications are not covered) life-sustaining drugs preventive vaccines and medicines (oral or injected) standard syringes, needles and diagnostic aids, required for the treatment of diabetes (charges for cotton swabs, rubbing alcohol, automatic jet injectors and similar equipment are not covered) 6 Saskatchewan School Boards Association

7 Ben e fit Sum mary Charges for the following expenses are not covered: drugs, biologicals and related preparations which are intended to be administered in hospital on an in-patient or out-patient basis and are not intended for a patient s use at home flu shots - Drug Maximums Fertility drugs - $2,500 per lifetime - Drug Maximums Anti-smoking drugs - $600 per lifetime Sexual Dysfunction drugs: $2,500 per lifetime All other covered drug expenses - Unlimited - Payment of Covered Expenses Payment of your covered drug expenses will be subject to any Drug Deductible and the Co-insurance. - Payment of Covered Expenses Covered expenses for any prescribed drug will not exceed the price of the lowest cost generic equivalent product that can legally be used to fill the prescription, as listed in the Provincial Drug Benefit Formulary. If there is no generic equivalent product for the prescribed drug, the amount covered is the cost of the prescribed product. - No Substitution Prescriptions If your prescription contains a written direction from your physician or dentist that the prescribed drug is not to be substituted with another product and the drug is a covered expense under this benefit, the full cost of the prescribed product is covered. - No Substitution Prescriptions When you have a no substitution prescription, please ask your pharmacist to indicate this information on your receipt, when you pay for the prescription. This will help to ensure that your expenses will be reimbursed appropriately when your claim is submitted to Manulife Financial for payment. Payment of your covered drug expenses will be subject to any Drug Deductible and the Co-insurance. Vision Care For employees choosing Option 1 or 3 eye exams, $100 per 24 consecutive months purchase and fitting of prescription glasses or elective contact lenses, as well as repairs, to a maximum of $300 per 24 consecutive months Extended Health Care - Vision Care Saskatchewan School Boards Association 7

8 Ben e fit Sum mary if contact lenses are required to treat a severe condition, or if vision in the better eye can be improved to a 20/40 level with contact lenses but not with glasses, the maximum payable will be $200 per 24 consecutive months elective laser vision correction procedures, to a maximum of $1,000 per lifetime Pro fes sional Ser vices Extended Health Care - Professional Services Services provided by the following licensed practitioners: Chiropractor - $300 per calendar year, including one x-ray per calendar year Osteopath - $300 per calendar year, including one x-ray per calendar year Podiatrist/Chiropodist - $300 per calendar year, including one x-ray per calendar year Massage Therapist - $300 per calendar year Speech Therapist - $300 per calendar year Physiotherapist - $300 per calendar year Psychologist or social worker- $300 per calendar year Naturopath: $300 per calendar year, including supplements Homeopath: $300 per calendar year, including supplements Dental Care Dental Care - The Benefit Dental Care The Benefit Deductible - Nil Dental Fee Guide - Current Fee Guide for General Practitioners for your Province of Residence If you reside in Alberta, the current Fee Guide is considered to be the 1997 Alberta Dental Association Fee Guide for General Practitioners plus inflationary adjustment as determined by Manulife Financial. Benefit Percentage (Co-insurance) - 80% for Level I - Basic Services - 80% for Level II - Supplementary Basic Services - 50% for Level III - Dentures - 50% for Level IV - Major Restorative Services - 50% for Level V - Orthodontics 8 Saskatchewan School Boards Association

9 Ben e fit Sum mary Benefit Maximums - $2,000 per calendar year combined for Level I, Level II, Level III and Level IV - $1,500 per lifetime for Level V Termination Age - employee s age 70 or retirement, whichever is earlier Long Term Disability The Long Term Disability Benefit is insured under Manulife Financial s Policy G Long Term Disability Benefit Amount - 60% of monthly earnings, rounded to the next higher $1, to a maximum of $15,000 Qualifying Period days Maximum Benefit Period - to age 65 Termination Age - age 65 less the Qualifying Period, or retirement, whichever is earlier Employee Optional Critical Illness Insurance Benefit Type - Comprehensive Employee Optional Critical Illness Insurance Benefit Amount - increments of $5,000, to a maximum of $150,000 (minimum benefit of $10,000) Termination Age - your benefit amount reduces to $10,000 at age 65 and terminates at the earlier of age 70, your retirement, or your Critical Illness benefit is paid out Spousal Optional Critical Illness Insurance Benefit Type - Comprehensive Spousal Optional Critical Illness Insurance Benefit Amount - increments of $5,000, to a maximum of $150,000 (minimum benefit of $10,000) Termination Age - your spouse s benefit amount reduces to $10,000 at your spouse s age 65 and terminates at the earlier of your age 70, your retirement, or your Spousal Critical Illness benefit is paid out Child Optional Critical Illness Insurance Benefit Type - Child Child Optional Critical Illness Insurance Benefit Amount - $5,000 each child Saskatchewan School Boards Association 9

10 Ben e fit Sum mary Termination Age - your benefit terminates at the earlier of your age 70, your retirement, your child s age 18 or your Child Critical Illness benefit is paid out 10 Saskatchewan School Boards Association

11 How to Use Your Ben e fit Book let De signed with Your Needs in Mind The Benefit Booklet provides the information you need about your Group Benefits and has been specifically designed with YOUR needs in mind. It includes: a detailed Table of Contents, allowing quick access to the information you are searching for, Explanation of Commonly Used Terms, which provides a brief explanation of the terms used throughout this Benefit Booklet, a clear, concise explanation of your Group Benefits, information you need, and simple instructions, on how to submit a claim. Your Benefit Booklet includes... Important Note The purpose of this booklet is to outline the benefits for which you are eligible as an employee of South East Cornerstone S.D. #209. The information in this booklet is a summary of the provisions of the Group Policy for the Employee Life Insurance, Employee Optional Life Insurance, Dependent Optional Life Insurance, Accidental Death and Dismemberment, Employee Optional Accidental Death and Dismemberment, Dependent Optional Accidental Death and Dismemberment, Long Term Disability and Critical Illness Benefits, and the Plan Document for the Resilience Services, Extended Health Care and Dental Care Benefits. In the event of a discrepancy between this booklet and the Policy or Plan Document, the terms of the Policy or Plan Document will apply. Important Note The booklet in either its paper or electronic form is provided for information purposes only and does not create or confer any contractual rights or obligations. Possession of this booklet alone does not mean that you or your dependents are covered. The Group Policy and Plan Document must be in effect and you must satisfy all the requirements of the Plan. You or any of your covered dependents have the right to request a copy of any or all of the following items: the Group Policy, your application for group benefits, and any Evidence of Insurability you submitted as part of your application for benefits. Manulife Financial reserves the right to charge you for such documentation after your first request. We suggest you read this Benefit Booklet carefully, then file it in a safe place with your other important documents. Saskatchewan School Boards Association 11

12 How to Use Your Ben e fit Book let Your Group Ben e fit Card Your Group Benefit Card Your Group Benefit Card is the most important document issued to you as part of your Group Benefit Program. It is the only document that identifies you as a Plan Member. The Group Policy Number, Plan Document Number and your personal Certificate Number may be required before you are admitted to a hospital, or before you receive dental or medical treatment. The Group Policy Number, Plan Document Number and your Certificate Number are also necessary for ALL correspondence with Manulife Financial. Please note that you can print your Certificate Number on the front of this booklet for easy reference. Your Group Benefit Card is an important document. Please be sure to carry it with you at all times. 12 Saskatchewan School Boards Association

13 Explanation of Commonly Used Terms The following is an explanation of the terms used in this Benefit Booklet. Ben e fit Per cent age (Co-in sur ance) the percentage of Covered Expenses which is payable by your plan. Benefit Percentage (Co-insurance) Birth the complete live delivery of a child from its mother. Birth Common Accident the same accidental injury or separate accidental injuries occurring within a 24 hour period. Cov ered Ex penses expenses that will be considered in the calculation of payment due under your Extended Health Care or Dental Care benefit. Covered Expenses Deductible the amount of Covered Expenses that must be incurred and paid by you or your dependents before benefits are payable by the plan. Deductible Dependent your Spouse or Child who is covered under the Provincial Plan. Dependent - Spouse your legal spouse, or a person continuously living with you in a role like that of a marriage partner. - Child your natural or adopted child, stepchild or child for whom you are legal guardian, who is: - unmarried; - under age 21, or under age 25 if a full-time student; and - not employed on a full-time basis. a child who is incapacitated on the date he or she reaches the age when coverage would normally terminate will continue to be an eligible dependent. However, the child must have been covered under this Benefit Program immediately prior to that date. A child is considered incapacitated if he or she is incapable of engaging in any substantially gainful activity and is dependent on the employee for support, maintenance and care, due to a mental or physical handicap. The Administrator may require written proof of the child s condition as often as may reasonably be necessary. Saskatchewan School Boards Association 13

14 Explanation of Commonly Used Terms a stepchild, unless a full-time student, must be living with you to be eligible. a newborn child shall become eligible from the moment of birth. Drug Drug medications that have been approved for use by the Federal Government of Canada and have a Drug Identification Number. Earnings Earnings your regular rate of pay from your employer (prior to deductions), excluding regular bonuses, regular overtime pay and regular commissions and including holiday and statutory pay. For the purposes of determining the amount of your benefit at the time of claim, your earnings will be the lesser of: the amount reported on your claim form, or the amount reported by your employer to Manulife Financial and for which premiums have been paid. Ex per i men tal or In ves ti ga tional Experimental or Investigational not approved or broadly accepted and recognized by the Canadian medical profession, as an effective, appropriate and essential treatment of a sickness or injury, in accordance with Canadian medical standards. Immediate Family Member Immediate Family Member you, your spouse or child, your parent or your spouse s parent, your brother or sister, or your spouse s brother or sister. Li censed, Cer ti fied, Reg is tered Licensed, Certified, Registered the status of a person who legally engages in practice by virtue of a license or certificate issued by the appropriate authority, in the place where the service is provided. Life-Sustaining Drugs Life-Sustaining Drugs drugs which are necessary for the survival of the patient. Medically Necessary Med i cally Nec es sary broadly accepted and recognized by the Canadian medical profession as effective, appropriate and essential in the treatment of a sickness or injury, in accordance with Canadian medical standards. Non-Evidence Limit Non-Evidence Limit you must submit satisfactory medical evidence to Manulife Financial for Benefit Amounts greater than this amount. 14 Saskatchewan School Boards Association

15 Explanation of Commonly Used Terms Provincial Plan any plan which provides hospital, medical, or dental benefits established by the government in the province where the covered person lives. Provincial Plan Qualifying Period a period of continuous total disability, starting with the first day of total disability, which you must complete in order to qualify for disability benefits. Qualifying Period Rea son able and Cus tom ary the lowest of: Reasonable and Customary the prevailing amount charged for the same or comparable service or supply in the area in which the charge is incurred, as determined by Manulife Financial, the amount shown in the applicable professional association fee guide, or the maximum price established by law. Take Home Pay (Net Earn ings) your earnings, less deductions normally made for federal and provincial income tax. Take Home Pay (Net Earnings) Waiting Period the period of continuous employment with your employer which you must complete before you are eligible for Group Benefits. Waiting Period Ward a hospital room with 3 or more beds which provides standard accommodation for patients. Ward Saskatchewan School Boards Association 15

16 Why Group Ben e fits? Why Group Benefits? Government health plans can provide coverage for such basic medical expenses as hospital charges and doctors fees. In case of disability, government plans (such as Employment Insurance, Canada/Quebec Pension Plan, Workers Compensation Act, etc.) may provide some financial assistance. But government plans provide only basic coverage. Medical expenses or a disability can create financial hardship for you and your family. Private health care and disability programs supplement government plans and can provide benefits not available through any government plan, providing security for you and your family when you need it most. Your Employer s Representative Your Employer s Representative Your employer is responsible for ensuring that all employees are covered for the Benefits to which they are entitled by reporting all new enrolments, terminations, changes, etc., and keeping all records up to date. As a member of this Group Benefit Program, it is up to you to provide your employer with the necessary information to perform such duties. Your Employer s Representative is Phone Num ber: ( ) - Please record the name of your representative and the contact number in the space provided. Applying for Group Benefits Applying for Group Benefits To apply for Group Benefits, you must submit a completed Employee Benefit Plan Enrollment Form, available from your employer. Your employer then forwards the application to the Administrator. Making Changes Making Changes To ensure that coverage is kept up to date for yourself and your dependents, it is vital that you report any changes to your employer. Such changes could include: change in Dependent Coverage change in Beneficiary applying for coverage previously waived change in Name 16 Saskatchewan School Boards Association

17 The Claims Pro cess Naming a Beneficiary Manulife Financial does not accept beneficiary designations for any benefits other than Employee Life Insurance, Employee Optional Life Insurance, Accidental Death and Dismemberment and Optional Accidental Death and Dismemberment. Naming a Beneficiary This Plan contains a provision removing or restricting the right of the group life insured to designate persons to whom or for whose benefit insurance money is to be payable. How to Sub mit a Claim All claim forms, available from your employer, must be correctly completed, dated and signed. Remember, always provide your Group Policy Number, Plan Document Number and your Certificate number (found on your Group Benefit Card) to avoid any unnecessary delays in the processing of your claim. How to Submit a Claim Your employer can assist you in properly completing the forms, and answer any questions you may have about the claims process and your Group Benefit Program. You may not commence legal action against Manulife Financial less than 60 days after proof has been filed as outlined under Submitting a Claim. Every action or proceeding against Manulife Financial for the recovery of insurance money payable under the plan is absolutely barred unless commenced within the time set out in the Insurance Act or applicable legislation. Pay ment of Ex tended Health Care and Den tal Claims Once the claim has been processed, Manulife Financial will send a Claim Statement to you. Claim Payment The top portion of this form outlines the claim or claims made, the amount subtracted to satisfy deductibles, and the benefit percentage used to determine the final payment to be made to you. If you have any questions on the amount, your employer will help explain. The bottom portion of this form is your claims payment, if applicable. Simply tear along the perforated line, endorse the back of the cheque and you can cash it at any chartered bank or trust company. You should receive settlement of your claim within three weeks from the date of submission to Manulife Financial. If you have not received payment, please contact your employer or please call Manulife Financial Customer Service at Co-or di na tion of Ex tended Health Care and Den tal Care Ben e fits If you or your dependents are covered for similar benefits under another Plan, this information will be taken into account when determining the amount of expenses payable under this Program. Co-ordination of Extended Health Care and Dental Care Benefits This process is known as Co-ordination of Benefits. It allows for reimbursement of covered medical and dental expenses from all Plans, up to a total of 100% of the actual expense incurred. Saskatchewan School Boards Association 17

18 The Claims Pro cess Plan means: other Group Benefit Programs; any other arrangement of coverage for individuals in a group; and individual travel insurance plans. Plan does not include school insurance or Provincial Plans. Order of Benefit Payment Order of Benefit Payment A variety of circumstances will affect which Plan is considered as the Primary Carrier (ie., responsible for making the initial payment toward the eligible expense), and which Plan is considered as the Secondary Carrier (ie., responsible for making the payment to cover the remaining eligible expense). If the other Plan does not provide for Co-ordination of Benefits, it will be considered as the Primary Carrier, and will be responsible for making the initial payment toward the eligible expense. If the other Plan does provide for Co-ordination of Benefits, the following rules are applied to determine which Plan is the Primary Carrier. For Claims incurred by you or your Dependent Spouse: The Plan covering you or your Dependent Spouse as an employee/member pays benefits before the Plan covering you or your Spouse as a dependent. In situations where you or your Spouse have coverage as an employee/member under more than one Plan, the order of benefit payment will be determined as follows: The Plan where the person is covered as an active full-time employee, then The Plan where the person is covered as an active part-time employee, then The Plan where the person is covered as a retiree. For Claims incurred by your Dependent Child: The Plan covering the parent whose birthday (month/day) is earlier in the calendar year pays benefits first. If both parents have the same birthdate, the Plan covering the parent whose first name begins with the earlier letter in the alphabet pays first. However, if you and your Spouse are separated or divorced, the following order applies: The Plan of the parent with custody of the child, then 18 Saskatchewan School Boards Association

19 The Claims Pro cess The Plan of the spouse of the parent with custody of the child (i.e., if the parent with custody of the child remarries or has a common-law spouse, the new spouse s Plan will pay benefits for the Dependent Child), then The Plan of the parent not having custody of the child, then The Plan of the spouse of the parent not having custody of the child (i.e., if the parent without custody of the child remarries or has a common-law spouse, the new spouse s Plan will pay benefits for the Dependent Child). Where you and your spouse share joint custody of the child, the Plan covering the parent whose birthday (month/day) is earlier in the calendar year pays benefits first. If both parents have the same birthdate, the Plan covering the parent whose first name begins with the earlier letter in the alphabet pays first. A claim for accidental injury to natural teeth will be determined under Extended Health Care Plans with accidental dental coverage before it is considered under Dental Plans. If the order of benefit payment cannot be determined from the above, the benefits payable under each Plan will be in proportion to the amount that would have been payable if Co-ordination of Benefits did not exist. If the person is also covered under an individual travel insurance plan, benefits will be co-ordinated in accordance with the guidelines provided by the Canadian Life and Health Insurance Association. Submitting a Claim for Co-ordination of Benefits To submit a claim when Co-ordination of Benefits applies, refer to the following guidelines: As per the Order of Benefit Payment section, determine which Plan is the Primary Carrier and which is the Secondary Carrier. Submitting a Claim for Co-ordination of Benefits Submit all necessary claim forms and original receipts to the Primary Carrier. Keep a photocopy of each receipt or ask the Primary Carrier to return the original receipts to you once your claim has been settled. Once your claim has been settled by the Primary Carrier, you will receive a statement outlining how your claim has been handled. Submit this statement along with all necessary claim forms and receipts to the Secondary Carrier for further consideration of payment, if applicable. Saskatchewan School Boards Association 19

20 Who Qual i fies for Cov er age? Eligibility El i gi bil ity You are eligible for Group Benefits if you: are a full-time or part-time employee of South East Cornerstone S.D. #209 and work at least the Required Number of Hours, are a member of an eligible class, are younger than the Termination Age, are residing in Canada, and have completed the Waiting Period. The Termination Age and Waiting Period may vary from benefit to benefit. For this information, please refer to each benefit in the section entitled Your Group Benefits. Your dependents are eligible for coverage on the date you become eligible or the date you first acquire a dependent, whichever is later. You must apply for coverage for yourself in order for your dependents to be eligible. Required Number of Hours Re quired Num ber of Hours Full-time employee - 15 hour(s) per week Part-time employee - 15 hour(s) per week Medical Evidence Late Application Medical Evidence Medical evidence is required for all benefits, except Dental, when you make a Late Application for coverage on any person. Medical evidence is required when you apply for coverage for Employee Optional Life or Dependent Optional Life. Late Application An application is considered late when you: apply for coverage on any person after having been eligible for more than 31 days; or re-apply for coverage on any person whose coverage had earlier been cancelled. If you apply for benefits that were previously waived because you were covered for similar benefits under your spouse s plan or another co-ordinating benefit plan, your application is considered late when you: apply for benefits more than 31 days after the date benefits terminated under your spouse s plan; or apply for benefits, and benefits under your spouse s plan have not terminated. Medical evidence can be submitted by completing the Evidence of Insurability form, available from your employer. Further medical evidence may be requested by Manulife Financial. 20 Saskatchewan School Boards Association

21 Who Qual i fies for Cov er age? Late Dental Application If you apply for coverage for Dental for yourself or your dependents late, the benefit will be limited to $125 for each covered person for the first 12 months of coverage. Late Dental Application Effective Date of Coverage If medical evidence is not required, your Group Benefits will be effective on the date you are eligible. If medical evidence is required, your Group Benefits will be effective on the date you become eligible or the date the evidence is approved by Manulife Financial, whichever is later. Effective Date of Coverage You must be actively at work for plan benefit coverage to become effective. If you are not actively at work on the date your coverage would normally become effective, your coverage will take effect on the next day on which you are again actively at work. Your dependent s coverage becomes effective on the date the dependent becomes eligible, or the date any required medical evidence on the dependent is approved by Manulife Financial, whichever is later. Your dependent s coverage will not be effective prior to the date your coverage becomes effective. This does not apply to Dependent Optional Life Insurance which may still become effective if you are declined for Employee Optional Life. Termination of Coverage Your Group Benefit coverage will terminate on the earliest of: the date you cease to be an eligible employee, the date your employer terminates coverage, the date you enter the armed forces of any country on a full-time basis, the date the Group Policy or Plan Document terminates or coverage on the class to which you belong terminates, Termination of Coverage the date you reach the Termination Age, the date of your death, or the date you cease to be actively at work, unless the Group Policy or the Plan Document allows for your coverage to be extended beyond this date. Some examples of such extensions are as follows: if you are absent due to illness or injury, your coverage may be continued as determined by your employer. If you have been approved for Long Term Disability payments, you may elect to continue your Extended Health Care, Dental Care and Employee Family Assistance coverage at your own expense until the earlier of: 2 years and 105 days from the date of your disability; or Saskatchewan School Boards Association 21

22 Who Qual i fies for Cov er age? the date you are no longer receiving Long Term Disability benefit payments. If you are on a leave of absence (other than maternity or parental) or temporary lay-off, you may elect to continue your benefits coverage at your own expense until the earlier of: 12 months after the date you were last actively at work; or the date you return to work. However, if you are on a leave of absence designated as Other by your employer s administrative practices, your Long Term Disability insurance shall not be continued. If you are on a maternity or parental leave of absence, your coverage shall continue for the period of leave to which you are entitled by governing legislation. Your dependents coverage terminates on the date your coverage terminates or the date the dependent ceases to be an eligible dependent, whichever is earlier. 22 Saskatchewan School Boards Association

23 Health Service Navigator Services Your Critical Illness benefit includes Health Service Navigator, a service designed to provide credible health information and resources to assist you in better understanding your health concerns and health services available within Canada and your local community. It includes provincial guides that summarize the coverage available to you through your provincial health plan coverage, a national physician search database and tips on how to navigate and leverage the myriad of health resources available to you within the Canadian health care system. Health Service Navigator also provides access to a second opinion service delivered through a premiere second opinion service coordinator with a consortium of highly ranked U.S. based hospitals that support the service. Second opinions are available for a broad range of specific medical conditions. Health Service Navigator Services Limitations Any medical conditions that are a direct result of either of the following events are excluded from coverage for Health Service Navigator: Radioactive Contamination that is not associated with one s occupation; or War or warlike operations (whether war is declared or not), invasion, act of foreign enemy, hostilities, mutiny, riot, civil commotion, civil war, rebellion, revolution, insurrections, conspiracy, military or usurped power, martial law or state of siege, or any events or causes which determine the proclamation or maintenance of martial law or state of siege. Furthermore, Manulife Financial shall not be liable for any expense incurred by you or your eligible dependent which is not specifically described and covered under this Health Service Navigator benefit or your Group Benefits Policy, including but not limited to the cost of treatment, travel costs, fees, medical expenses, appointment cancellation charges and other expenses. Right of Re fusal In some cases, the medical information submitted by the patient may be determined by the physicians of the consortium hospitals to be insufficient, or not of an adequate quality to render a second opinion. In such cases, the second opinion service coordinator will inform the patient within 24 hours, of the reasons for the inability to deliver a report. The patient will then have the opportunity to deliver additional or alternative material to the second opinion service coordinator, for consideration by the physicians of the consortium hospital rendering the opinion. If such information is still insufficient, then the physicians of such consortium hospital have the right to refuse to render a second opinion, and neither they nor the second opinion service coordinator nor Manulife shall have any further obligation in relation to such second opinion request. Summary Only Please note that the provisions in this section of the booklet are only intended as a brief summary of the services available under Health Service Navigator. Your plan member brochure has additional information concerning the services. Your Plan Administrator or Manulife Financial can answer any questions you may have about this benefit. Saskatchewan School Boards Association 23

24 Resilience Services Resilience Services Your benefit program includes Resilience, a full service employee and family assistance program, supplied through a leading national employee and family assistance program service provider. To access Resilience contact the Canada wide 24/7 immediate response line at Please note that this booklet is a summary of benefit only. In the event of a discrepancy between this benefit booklet and the Resilience Agreement, the terms of the Agreement will apply. Your Plan Administrator or Manulife Financial can answer any questions you may have about this benefit. Ser vices Pro vided for You and your De pend ents The following Resilience services are available to you and your dependents, as required: Short-term Counselling This Short-term counselling service ( Short-term Counselling ) provides assistance in the event of an incidence of personal stress, problems or trauma, including job stress, marital/family problems, alcohol/drug problems, anger management, pre-retirement planning, bereavement, physical/sexual abuse, and general health issues ( Issue ). Short-term Counselling includes: Toll-free telephone access, available twenty-four (24) hours a day, seven (7) days a week, (in English or French) to provide emergency assistance if required and to schedule appointments; a needs assessment and a referral to an appropriate counsellor; and approximately four (4) to six (6) hours of counselling, as required by you in the counsellor s discretion. The counsellor shall provide support; assess the problem(s); teach coping skills and self-management techniques; and develop a response plan. If, in the counsellor s discretion, Short-term Counselling is not appropriate for the Issue, the counsellor will provide you with a referral to the appropriate service agencies and/or institutions. This is a referral service only and does not include provision of or payment for such further services. You may request Short-term Counselling for an unlimited number of Issues. Legal Counselling If during your Short-term Counselling, the counsellor agrees that you require legal counselling, Manulife Financial will provide a referral for a maximum of two (2) hours of general legal counselling which will be provided directly by either a) the lawyer referral service of the Canadian Bar Association or b) Lawline, a national telephone legal advice service ( Legal Counselling ). Manulife Financial will be responsible for contacting the legal service selected by you in order to arrange a first appointment 24 Saskatchewan School Boards Association

25 and for direct payment for a maximum of two (2) hours of Legal Counselling. Note, however, that Manulife Financial shall have no other responsibility with respect to such Legal Counselling including content, timing and appropriateness thereof. Should you require legal services other than this Legal Counselling, you shall be exclusively responsible for arranging it and paying all fees and expenses. Financial Counselling If during your Short-term Counselling, the counsellor agrees that you require financial counselling, Manulife Financial will provide you with a maximum of two (2) hours of general financial counselling regarding debt management and budgeting. Online Courses As part of the group of services offered under Resilience, you have unlimited access to online courses. These courses address a variety of topics including how to deal with a job loss, how to manage stress, how to embrace or lead change, and how to be an effective leader. Online Childcare and Eldercare Resource Database You also have unlimited access to a national online childcare and eldercare resource database. This database includes information about childcare and eldercare programs available in Canada. There is also a quality service checklist you can use to help you evaluate and select one of these provincially registered programs. This is an information service only and does not include payment for any childcare/eldercare services. Exclusions Resilience Services do not include the following: Any expense incurred by you or your dependent for which Manulife Financial is not specifically responsible, including the cost of materials, travel costs, fees, medical expenses, appointment cancellation charges and other expenses. Any goods or services furnished to you or your dependent outside the strict terms of this Benefit Booklet. Employee Life Insurance The Employee Life Insurance Benefit is insured under Manulife Financial s Policy G Employee Life Insurance If you die while insured, this benefit provides financial assistance to your beneficiary. If your beneficiary dies before you or if there is no designated beneficiary, this benefit is payable to your estate. Saskatchewan School Boards Association 25

26 Employee Life - The Benefit The Ben e fit Benefit Amount - 1 times your annual earnings, rounded to the next highest $1,000 if not already a multiple thereof, to a maximum of $350,000 Non-Evidence Limit - $350,000 Qualifying Period for Waiver of Premium days Termination Age - your benefit amount terminates at age 70 or retirement, whichever is earlier Waiting Period - first of the month following 3 months of employment Employee Life Insurance - Naming a Beneficiary Nam ing a Ben e fi ciary You have the right to designate and/or change a beneficiary, subject to governing law. The necessary forms are available from your Plan Administrator. You should review your beneficiary designation to be sure that it reflects your current intent. Employee Life Insurance - Submitting a Claim Submitting a Claim To submit an Employee Life Insurance claim, your beneficiary must complete the Life Claim formwhich is available from your employer. Documents necessary to submit with the form are listed on the form. A completed claim form must be submitted within 90 days from the date of the loss. To submit a claim for the Waiver of Premium benefit you must complete a Waiver of Premium claim form, which is available from your Plan Administrator. Your attending physician must also complete a portion of this form. A completed claim form must be submitted within 180 days from the end of the qualifying period. Employee Life Insurance - Waiver of Premium Waiver of Pre mium If you become Totally Disabled while insured and prior to age 65 and meet the Entitlement Criteria outlined below, your Life Insurance will continue without payment of premium. 26 Saskatchewan School Boards Association

27 Def i ni tion of To tally Dis abled Totally Disabled means a restriction or lack of ability due to an illness or injury which prevents you from performing the essential duties of: your own occupation, during the Qualifying Period and the 2 years immediately following the Qualifying Period Employee Life Insurance - Totally Disabled any occupation for which you are qualified, or may reasonably become qualified by training, education or experience, after the 2 years specified above The availability of work will not be considered by Manulife Financial in assessing your disability. If you must hold a government permit or licence to perform the duties of your job, you will not be considered Totally Disabled solely because your permit or licence has been withdrawn or not renewed. Entitlement Criteria To be entitled to Waiver of Premium, you must meet the following criteria: you must be continuously Totally Disabled throughout the Qualifying Period. If you cease to be Totally Disabled during this period and then become disabled again within 3 weeks due to the same or related illness or injury, your Qualifying Period will be extended by the number of days during which you ceased to be Totally Disabled. Employee Life Insurance - Entitlement Criteria Manulife Financial must receive medical evidence documenting how your illness or injury causes restrictions or lack of ability, such that you are prevented from performing the essential duties of: - your own occupation, during the Qualifying Period and the following 2 years, and - any occupation for which you are qualified, or may reasonably become qualified by training, education or experience, after the 2 years specified above. you must be receiving from a physician, regular, ongoing care and treatment appropriate for your disabling condition, as determined by Manulife Financial. At any time, Manulife Financial may require you to submit to a medical, psychiatric, psychological, functional, educational and/or vocational examination or evaluation by an examiner selected by Manulife Financial. Ter mi na tion of Waiver of Pre mium Your Waiver of Premium will cease on the earliest of: the date you cease to be Totally Disabled, as defined under this benefit. Employee Life Insurance - Termination of Waiver of Premium Saskatchewan School Boards Association 27

28 the date you do not supply Manulife Financial with appropriate medical evidence documenting how your illness or injury causes restrictions or lack of ability, such that you are prevented from performing the essential duties of: - your own occupation, during the Qualifying Period and the following 2 years, and - any occupation for which you are qualified, or may reasonably become qualified by training, education or experience, after the 2 years specified above. the date you are no longer receiving from a physician, regular, ongoing care and treatment appropriate for the disabling condition, as determined by Manulife Financial. the date you do not attend an examination by an examiner selected by Manulife Financial. the date of your death. the date of your 65th birthday. Employee Life Insurance - Recurrent Disability Re cur rent Dis abil ity If you become Totally Disabled again from the same or related causes as those for which premiums were previously waived, and such disability recurs within 6 months of cessation of the Waiver of Premium benefit, Manulife Financial will waive the Qualifying Period. Your amount of insurance on which premiums were previously waived will be reinstated. If the same disability recurs more than 6 months after cessation of your Waiver of Premium benefit, such disability will be considered a separate disability. Two disabilities which are due to unrelated causes are considered separate disabilities if they are separated by a return to work of at least one day. Employee Life Insurance - Conversion Privilege Conversion Privilege If your Group Benefits terminate or reduce, you may be eligible to convert your Employee Life Insurance to an individual policy, without medical evidence. Your application for the individual policy along with the first monthly premium must be received by Manulife Financial within 31 days of the termination or reduction of your Employee Life Insurance. If you die during this 31-day period, the amount of Employee Life Insurance available for conversion will be paid to your beneficiary or estate, even if you didn t apply for conversion. For more information on the conversion privilege, please see your Plan Administrator. Provincial differences may exist. 28 Saskatchewan School Boards Association