Your Enrolment Guide. Areva and Brossard union employees in Canada. Enrol in your benefits online at

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1 Your 2015 Enrolment Guide Areva and Brossard union employees in Canada Enrol in your benefits online at

2 The Total Employee Experience The benefits programme is just one of the ways we are delivering the Total Employee Experience. The benefits you select help to shape your own unique experience at Schneider Electric. It is important that you take the opportunity during Open Enrolment to evaluate your personal situation and enrol in the benefit coverage that best helps you manage your health and wellness. 1

3 Resources to help you enrol This enrolment guide Read this guide for an overview of your benefit options. If you wish to cover your spouse and/or child(ren), review their information and make updates as needed. Review your benefit options and make any changes, if needed. How to Enrol Guide Review the How to Enrol guide posted online for detailed steps on enroling in your benefits. Sun Life Booklet Review the Sun Life booklet posted online for detailed information about the benefit plans offered through Sun Life. Table of Contents Eligibility... 3 Enroling in the Flex Plan... 3 Health and Dental...4 Health Spending Account (HSA)... 5 Out-of-Province/Emergency Medical Coverage... 5 Disability...6 Life and Accidental Death & Dismemberment (AD&D) Insurance... 7 Retirement...8 Contact Information Schneider Electric Benefit Program 2

4 Schneider Electric Benefits Plan Schneider Electric recognizes that each employee has different needs. A healthy single person may have fewer health and dental expenses than an employee with a family. That is why Schneider Electric offers a Flexible Benefits Plan designed to meet your needs today and in the future. This plan encourages you to take ownership of your benefits decisions and select the coverage that is appropriate for you and your family. The following benefits are Company-paid: Basic Life and Accidental Death and Dismemberment (AD&D) Insurance Short-Term Disability Out-of-Province/Emergency Medical You may elect the following coverage for a cost: Health Care* Dental Care* Optional Life Insurance for you, your spouse, and/or child(ren) Long-Term Disability *Note: You may opt out of Health and/or Dental coverage as long as you can prove comparable spousal coverage. If you wish to opt out, you must contact PeopleLink within 31 days of your date of hire, or during the specified re-enrolment period. If proof of comparable coverage is not received within the specified timeframe, you will be in enroled in the default coverage detailed in this guide. Eligibility You are eligible for the benefits detailed in this document if you are: Actively working at least 20 hours each week*, Continuously employed at least as long as the waiting period, and A resident of Canada. *Note: Employees working less than 24 hours per week are not eligible for Long-Term Disability. Also, temporary employees may be exempt from all benefits and should refer to their offer agreement. If you are eligible for benefits, you may cover your spouse and/or child(ren). Please refer to the Sun Life booklet for detailed definitions of these dependent(s). Enroling in the Flex Plan If you are a new hire, you have 31 days from your date of hire to enrol online at You will be responsible for choosing your coverage status, Health and Dental options, and other optional benefits. If you do not enrol within 31 days from your date of hire, you will be automatically enroled in the default coverage shown later in this guide. During the re-enrolment period, you have the option to change your benefit elections within the specified enrolment period. If you wish to opt out of Health and/or Dental coverage, please contact PeopleLink within 31 days of your date of hire or during the specified re-enrolment period. You will also be required to complete a Proof of Comparable Coverage form and return it to PeopleLink. *Note: Re-enrolment occurs every two years. Life Event If you experience a life event during the year, such as getting married, having a baby, or spouse s change of coverage, you must contact PeopleLink within 31 days of the event. PeopleLink will open an event on for you to make updates to your benefits. Refer to the How to Enrol guide for more details on enroling in your benefits. 3

5 Health and Dental You and Schneider Electric share the cost of Health and Dental coverage. Schneider Electric will provide you with flex credits to help pay for your coverage. Health Coverage Type Option 1 Option 2 Option 3 (Default Plan) Prescription Drugs* 50% 80% 90% Pay Direct Card Supplementary Health 50% 90% 100% Semi-private Hospital 0% 90% 100% Out-of-Province/Emergency Medical Coverage Vision Care (i.e. laser surgery, prescription glasses, contact lenses) 100%; $1,000,000 lifetime maximum for you and each insured dependent 100%; $1,000,000 lifetime maximum for you and each insured dependent 0% 90% $250 maximum every 12 months for each dependent child under age 18 and every 24 months for you and all other insured dependents * Dispensing fee cap: Flex Plan pays 100% of the dispensing fee up to a maximum of $6.50 per prescription. 100%; $1,000,000 lifetime maximum for you and each insured dependent 100% $300 maximum every 12 months for each dependent child under age 18 and every 24 months for you and all other insured dependents If you choose the lowest level of coverage (Option 1), your flex credits will cover the cost of your premiums and you will have flex credits left over, which you will receive as taxable income unless you elect to transfer your remaining flex credits to: Your HSA to pay for expenses that qualify as a medical expense under the Income Tax Act The Group RRSP (refer to Page 7 for enrolment details) If you choose higher levels of coverage (Options 2 or 3), your flex credits will pay part of your premiums. You will be responsible for paying the difference through payroll deductions. Dental The Dental Plan covers Dental Care for you and your covered dependent(s). It includes preventive care like exams and cleanings. Options 2 and 3 cover more services and have a higher annual limit. Coverage Type Option 1 Option 2 Option 3 (Default Plan) Preventive/Periodontic/ 70% 90% 90% Surgical services Crown, Bridges 0% 50% 50% Dentures and Denture Parts 0% 50% 50% Orthodontics 0% 0% 50% Orthodontics Lifetime Maximum $2,000 Annual limit for all dental services combined $1,000 $1,500 $2,000 Your option choice things to consider... Do you anticipate any unusual expenses in the coming year? Will your child(ren) need extensive dental work done or braces? Will you need massage therapy or chiropractic help? Do you have Health and Dental coverage under your spouse s plan? If yes, you are eligible to opt out of the Schneider Electric plan if you are not interested in having additional coverage. Schneider Electric Benefit Program 4

6 Health and Dental (cont.) Monthly Flex Credits and Costs Health Flex Credit Health Cost Dental Flex Credit Dental Cost Single Coverage Option 1 $57.72 $32.75 $36.96 $27.71 Option 2 $58.58 $59.51 $37.83 $43.42 Option 3 $59.42 $75.64 $38.67 $48.63 Single + 1 Coverage Opt Out $ $4.42 $88.39 Option 1 $ $74.53 $88.39 $65.18 Option 2 $ $ $90.08 $ Option 3 $ $ $91.75 $ Family Coverage Opt Out $ $5.01 $ Option1 $ $87.98 $ $81.49 Option 2 $ $ $ $ Option 3 $ $ $ $ Health Spending Account (HSA) An HSA is an addition to your group plan. It can cover expenses that aren t covered by your group health or dental benefits. Contributions You have the option to deposit your unused flex credits into an HSA Eligible Dependent(s) You, your spouse, and any other dependant (e.g. a child, grandchild, or parent) for whom you are claiming a tax deduction in the taxation year in which the expenses were incurred Eligible Expenses Any expense that qualifies as a medical expense under the Federal Income Tax Act Plan Year January 1 December 31, 2015 Claims Deadline 60 calendar days from December 31 for prior plan year expenses Out-of-Province/Emergency Medical Coverage (Company-paid) This covers you and your eligible dependent(s) for all the services and supplies eligible under your group benefits plan, if you have a medical emergency while you re travelling outside the province where you live. *Note: If you opt out of medical and/or dental coverage, you will only have Out-of-Province/Emergency Medical Coverage. Benefit Amount $1,000,000 lifetime maximum Europ Assistance Your option choice things to consider... (cont.) If you choose to opt out, you cannot choose the Schneider Electric Health or Dental coverage again until the next re-enrolment period, unless you experience an eligible life event. Visit the Sun Life website ( for more details. If you choose to opt out, you lose the ability to claim up to 100% of your eligible Health and Dental expenses under both the Schneider Electric Flex Plan and your spouse s plan, if you currently coordinate benefits. 5

7 Disability Short-Term Disability (STD) Insurance (Company-paid) STD insurance provides income protection if you become disabled and are unable to work due to a non-work related illness or injury for up to 26 weeks. You automatically receive coverage of 66.67% of your weekly earnings. Benefit Amount Tax Status Eligibility Waiting Period Benefit Period Termination of Insurance Monthly Employee Cost 66.67% of weekly earnings.* STD income is taxable Date of hire 3 consecutive calendar days of disability, or, none if disability is due directly to an injury caused solely by accidental, violent and external means, and disability began within 30 days of the initial injury Up to a maximum of 26 weeks 70th birthday, or date of retirement, if earlier None. This benefit is Company-paid Questions? Get answers to your questions about benefits and the enrolment process by contacting PeopleLink, Monday through Friday, 7 a.m. to 5 p.m. Central time. Assistance is available in English and French. * The E.I. maximum is equal to 3/5 of the maximum insurable earnings in force under the Employment Insurance regulations at the beginning of disability. Long-Term Disability (LTD) Insurance (Employee-paid) LTD coverage ensures a source of continuing income for disability lasting longer than 26 weeks. You are automatically enroled in LTD coverage of 66.67% of your monthly earnings up to a maximum of $11,000. You also have the option to elect LTD coverage of 60% of your monthly earnings. Call: For benefit claims questions, please contact Sun Life at Benefit Amount Option 1: 60% of monthly earnings to maximum of $11,000 Option 2: 66.67% of monthly earnings to maximum of $11,000 (Default Plan) Tax Status Non-taxable; sales tax applies in Ontario and Quebec Definition of Disability 24 months own occupation; any occupation after 24 months Eligibility Date of hire Waiting Period 26 weeks Benefit Period To the end of the month in which you reach age 65 Termination of Insurance 65th birthday, or date of retirement, if earlier Monthly Employee Cost 60% Coverage: $0.599 per $100 of benefit 66.67% Coverage: $0.650 per $100 of benefit Schneider Electric Benefit Program 6

8 Life and Accidental Death and Dismemberment (AD&D) Insurance Life and AD&D Insurance provides financial protection in the event of a death or accident. Basic Life Insurance (Company-paid) Benefit Amount Tax Status Effective Date Termination Date Monthly Employee Cost 2 x annual earnings ($700,000 maximum, combines with Optional Life)* Taxable Date of hire 70th birthday, or date of retirement, if earlier None. This benefit is Company-paid; however, it is considered taxable income for tax purposes * Indicates default plan Basic Accidental Death and Dismemberment (AD&D) Insurance (Company-paid) Benefit Amount Tax Status Effective Date Termination Date Monthly Employee Cost 2 x annual earnings ($400,000 maximum)* Taxable Date of hire 70th birthday, or date of retirement, if earlier None. This benefit is Company-paid; however, it is considered taxable income for tax purposes * Indicates default plan Optional Employee/Spouse Life Insurance (Employee-paid) To enhance your Basic Life coverage, you may elect Optional Life Insurance coverage to provide an additional benefit to your beneficiary(ies) in the event of your death. You may also elect Optional Spouse and/or Child Life Insurance to provide a benefit to you if your spouse and/or child(ren) should die. *Note: Premiums for Employee/Spouse coverage are based on age and tobacco-user status. These premiums will increase January 1 of the following year if you and/or your spouse move into a new age bracket. Coverage for employee/spouse Optional Life Insurance is subject to approval by Sun Life. Benefit Amount Employee/Spouse: Units of $10,000 to a max of $200,000 Monthly Employee Cost Example Calculation Coverage Termination Date 7 Employee/Spouse: The rates per $1,000 of coverage per month are as follows: Age Non-smoker Smoker 0 29 $0.05 $ $0.05 $ $0.07 $ $0.11 $ $0.22 $ $0.34 $ $0.54 $ $0.80 $ year old, non-smoker with $200,000 employee Optional Life Insurance has a monthly premium of $14.00 ($200,000 * 0.07/$1,000 = $14.00) Member s 65th birthday, or date of retirement, if earlier

9 Life and Accidental Death and Dismemberment (AD&D) Insurance (cont.) Optional Child Life Insurance (Employee-paid) Benefit Amount Option 1: $5,000 per dependent child Option 2: $10,000 per dependent child Monthly Employee Cost Option 1: $1.14 Option 2: $2.28 Coverage Termination Date Member s 65th birthday, or date of retirement, if earlier Retirement To be financially prepared when you leave the workforce and to be able to enjoy a comfortable retirement, you have to start planning for retirement today. Group Registered Retirement Savings Plan (Group RRSP) When you enrol in the Group RRSP, the Company makes RRSP deductions from your salary and remits them on your behalf over the course of the year to Great-West Life (the Company s RRSP provider). Your immediate tax liability is reduced, since the tax you pay is based on your salary after your RRSP contribution. By contributing through payroll deductions, rather than contributing after you are paid, your net income increases providing you with more cash throughout the year. Contributions Enrolment Voluntary regular payroll deductions Lump-sum payment(s) via cheque Transfer of unused flex credits To enrol in the Group RRSP, complete the Great-West Life Application form located on the Company intranet Great-West Life Schneider Electric Benefit Program 8

10 Notes 9

11 Questions? Contact PeopleLink. Assistance is available in English and French. Call: (Monday through Friday, 7 a.m. to 5 p.m. Central time) Don t forget! When you need more information about Human Resources processes, programmes or services, the HR e-guide is your online, on-demand resource. The user-friendly format is compatible with your computer or smart phone and does not require VPN access for most information. Visit: Schneider Electric Benefit Program 10

12 Contact Information Benefit Insurance Carrier Phone Web Address Health Dental Health Spending Account (HSA) Basic Life Accidental Death and Dismemberment Optional Life Short-Term Disability Long-Term Disability Group RRSP Great-West Life Out-of-Province/Emergency Medical Coverage Europ Assistance (US and Canada) (Mexico) (all other countries) Employee Assistance Program Homewood Human Solutions (English) (French) (International) PeopleLink Schneider Electric This guide has been prepared to help you understand what benefits you may be entitled to under benefit plans sponsored by the Company. Please keep this document with your other Plan materials to be sure you have all of your benefit information at hand. The official Plan documents will control in the case of any differences between them and the information provided here. While the Company expects to continue its benefit programs, it reserves the right to terminate, suspend, withdraw, amend, or modify all or any part of these Plans at any time without notice. Any such change or termination of the Plans will be based solely on the decision of the Plan Sponsor and/or the Plan Administrator and may apply to any or all groups of employees, including active or disabled employees and current or future retirees and their dependent(s) as determined under the Plans. No supervisor, manager, or any other representative of the Company has any authority to enter into any written or oral agreement contrary to the foregoing or contrary to the terms of any Summary Plan Description (SPD) or applicable Plan document. Make the most of your energy SM Schneider Electric 5985 McLaughlin Road Mississauga, ON L5R1B8 Tel: Schneider Electric. All Rights Reserved. Schneider Electric and Total Employee Experience are trademarks owned by Schneider Electric Industries SAS or its affiliated companies. All other trademarks are property of their respective owners _CA_GB October 2014