LIUNA Local 183 is proud to offer the most comprehensive package of benefits in the construction industry today!

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2 WELCOME LIUNA Local 183 is proud to offer the most comprehensive package of benefits in the construction industry today! Local 183 s mandate is to ensure that its members are treated fairly, with dignity and have the assurance that their benefit programs provide security for themselves and their eligible dependents in adverse times and in times of need. We at Local 183 place unparalleled value in our benefit programs to ensure they are contemporary, innovative, and productive to reduce the stress of worrying about financial hardship when you are working. We are proud given that other Union benefit programs are facing fiscal challenges and benefit reductions to cope with tough economic times. Local 183 does not rest on our success - we are continuously looking at ways to improve, expand and offer better service to our members. Local 183 benefit plans are proven, financially strong, and continue to provide valuable protection to the 35,000 plus thousand Members and their dependents. Collectively we can achieve the extraordinary.

3 Brochure 2013 Construction Division Plan Highlights Comprehensive Health & Welfare Benefit Program Equal benefits for all Members (No Comprehensive Plan vs. Introductory Plan) Understandable administration of Benefit Programs Respect for both the working Members and Retirees PROVEN FINANCIALLY RESILIENT BENEFIT PROGRAMS Extended for dependents upon death of the Member Extended for Members and Dependents in the event of disability of the Member Industry leading benefits for Retirees Comprehensive Pre-Paid Legal Services Scholarship / Registered Educational Saving Integrated Disability Management Services

4 Brochure 2013 Construction Division Summary of Local 183 Active Members Core Disability Special Risk Ancillary Life Insurance Permanent & Total Disability Occupational Accidental Death & Dismemberment Bereavement Pay Dependent Life Insurance Long Term Disability Special Needs Life Insurance Parental Leave Major Medical Care Prescription Drug / Vision Care Short Term Disability Long Term Care Critical Illness Jury Duty Hospital Cash Pre-Paid Legal Dental Care Extended Disabled / Survivor Accidental Death & Dismemberment Family Assistance Plan Emergency Out of Province Medical Union Sponsored Medical Registered Educational Saving Educational Scholarship Local 183 Retired Members Core Disability Special Risk Ancillary Life Insurance Long Term Care Emergency Out of Pre-Paid Legal Province Medical Dependent Life Insurance Major Medical Care Prescription Drug / Vision Care Dental Care Extended Survivors Health & Wellness Family Assistance Plan Retirees and their dependents enjoy the same Medical & Dental when they retire (as they did when they were actively working) at an industry low cost of $65.00 per month with no age limitation.

5 Benefit Comparison Life Insurance Local 183 Local 1030 Member $125,000 $125,000 Dependent Life Insurance Spouse $60,000 $20,000 Children $20,000 $10,000 Special Needs Life Insurance Member $100,000 No Coverage Accidential Death & Dismemberment Member $175,000 $200,000 Spouse $60,000 $75,000 Children $20,000 $20,000 Occupational Accidental Death & Dismemberment Member $100,000 $100,000 Short Term Disability Benefit Amount/Duration $500 per week / Maximum of 104 weeks $500 per week / Maximum of 26 weeks Long Term Disability Benefit Amount $1,000/mth Years 1-5 $600/mth Years 6-10 $1,000 per month Waiting Period 104 weeks 26 weeks Duration Maximim of 10 years / age 65 To age 65 Long Term Care Insurance Benefit Amount $150 per day / Maximum of $175,000 No Coverage Permanent & Total Disability Benefit Amount $200,000 $200,000 Critical Illness Benefit Benefit Amount $20,000 $10,000 Hospital Cash Benefit Benefit Amount 150 per day / 120 days No Coverage Dental Basic Services 100% 100% Major Services 100% 60% Orthdontics 60% 60% Calendar Year Maximum $3,000 $3,500 Orthdontics Maximum $2,500 $2,500 Fee Guide 2011 Current Fee Guide Supplementary Health/Vision Care Lifetime Maximum $250,000 Unlimited Prescription Drugs 100% Generic Substitution All other Medical Expenses 100% 100% Dispensing Fee Maximum No Dispensing Fee Maximum No Dispensing Fee Maximum Hospital No Coverage Semi Private Speech Therapist $200 per visit Osteopath $30 per visit / Podiatrists $30 per visit / Naturopath $30 per visit / Chiropractor $100 initial visit / $30 per visit /$500 year Physiotherapist $30 per visit / Massage Therapy $30 per visit / Psycologist $30 per visit / Acupuncture $30 per visit / No Coverage Hearing Aids $500 / every 5 years $500 / every 36 months Orthpeadic Shoes 1 pair every 24 months / No Coverage Orthotics 50% / $250 every year $500 / every 24 months Lenses / Frames $350 every 24 months $400 every 24 months Contact Lenses $350 every 24 months / in lieu of lenses $400 every 24 months / in lieu of lenses Laser Eye Surgery $1,000 / once per lifetime $2,000 / lifetime maximum Eye Exams No Coverage 1 per calendar year Replacement Lenses $100 / within 24 month period No Coverage Emergency Out Of Province Medical Benefit Amount $5,000,000 Unlimited Maximum Duration 60 days per trip 60 days per trip Extended Retiree Age 55 / No Coverage No Coverage Survivor Spouse / Child No Coverage Disability WSIB, CPP, LTD, STD No Coverage

6 Brochure 2013 Construction Division Disadvantages belonging to Local 1030 The Local 1030 Benefit Trust offers a level of benefits INFERIOR to those that the membership of Local 183 currently enjoy. The 1030 Benefit Trust does NOT offer the following benefits that Local 183 Member currently enjoys. NOT offered at Local 1030 Drawbacks of Local 1030 Long Term Care Hospital Cash Jury Duty Pre-Paid Legal Generic Drug Reimbursement Lower Critical Illness Coverage Lower Dental Care Coinsurance Lower Paramedical coverage Retiree Extended due to Disability Extended due to Death Special Needs Life Insurance Benefit Scholarship Parental Leave Jury Duty Bereavement Lower Dependent Spouse Insurance Lower Dependent Child Insurance Inferior Short Term Disability Lower Speech Therapy Benefit No Acupuncture No Orthopedic Shoe No Health & Wellness Program No Integrated Disability Management Services Local 183 Benefit Programs are the BEST in the Industry! Local 183 Benefit Programs are proven, financially sound, and have provided exclusive benefits for over 30 years! Local 183 have never had to reduce benefits during tough economic times!

7 Brochure 2013 Construction Division Notes

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