Sunlife Employee Booklet

Cement Association of Canada
All other employees
Contract Number 188079

Effective September 1, 2018
Contract No. 188079 Table of Contents
Table of Contents
Benefit Summary..................................................................................................1
General Information ............................................................................................6

Eligibility ...............................................................................................................6
Who qualifies as your dependent ...........................................................................6
About this booklet ..................................................................................................7
Enrolment...............................................................................................................7
When coverage begins ...........................................................................................8
Changes affecting your coverage ...........................................................................9
Updating your records............................................................................................9
Accessing your records ........................................................................................10
When coverage ends ............................................................................................10
Replacement coverage .........................................................................................11
Making claims......................................................................................................11
Legal actions ........................................................................................................12
Proof of disability.................................................................................................12
Coordination of benefits.......................................................................................12
Medical examination............................................................................................13
Recovering overpayments ....................................................................................13
Assignments .........................................................................................................14
Definitions............................................................................................................14
Extended Health Care .......................................................................................15

General description of the coverage.....................................................................15
Deductible ............................................................................................................15
Prescription drugs ................................................................................................15
Hospital expenses in your province .....................................................................18
Expenses out of your province .............................................................................19
Medical services and equipment ..........................................................................21
Paramedical services ............................................................................................23
Vision Care ..........................................................................................................24
Payments after coverage ends ..............................................................................24
What is not covered..............................................................................................24
Integration with government programs ................................................................25
When and how to make a claim ...........................................................................26
Best Doctors .........................................................................................................26
Effective September 1, 2018 i

Emergency Travel Assistance ...........................................................................27
Dental Care .........................................................................................................32

Deductible ............................................................................................................33
Benefit year maximum.........................................................................................33
Lifetime maximum...............................................................................................33
Restriction on payments.......................................................................................33
Predetermination ..................................................................................................33
Preventive dental procedures ...............................................................................33
Basic dental procedures .......................................................................................35
Major dental procedures.......................................................................................40
Orthodontic procedures ........................................................................................43
Long-Term Disability ........................................................................................46

When disability payments begin ..........................................................................47
What we will pay .................................................................................................47
Maternity / parental leave of absence...................................................................49
Partial disability program.....................................................................................49
Rehabilitation program ........................................................................................50
Interrupted periods of disability during elimination period .................................50
Interrupted periods of disability after payments begin.........................................51
If you recover damages from another person.......................................................51
Your responsibilities ............................................................................................51
When payments end .............................................................................................52
Waiver of premium ..............................................................................................53
Critical Illness.....................................................................................................54
Critical Illness coverage for you ..........................................................................54
Effective September 1, 2018 ii

What we will pay .................................................................................................54

Who we will pay ..................................................................................................56
Changes in coverage ............................................................................................56
Covered.conditions ..............................................................................................58
Portability.............................................................................................................62
Life Coverage .....................................................................................................63

Life coverage for you ...........................................................................................63
Life coverage for your dependents.......................................................................63
Who we will pay ..................................................................................................64
Coverage during total disability ..........................................................................64
Retirement Date ...................................................................................................65
Converting Life coverage.....................................................................................65
Accidental Death and Dismemberment ...........................................................67

Accidental coverage for you ................................................................................67
What we will pay .................................................................................................67
Limit on benefit amounts .....................................................................................68
Repatriation benefit..............................................................................................69
Rehabilitation program ........................................................................................69
Spouse occupational training benefit ...................................................................69
Child education benefit ........................................................................................70
Family transportation benefit ...............................................................................70
Coverage during total disability ...........................................................................70
Converting coverage ............................................................................................71
Effective September 1, 2018 iii

Contract No. 188079 Benefit Summary
Benefit Summary
This is a general summary of the coverage provided under your group plan and
should be read together with the information contained in your booklet. For
more information, including exclusions, limitations and other conditions,
please refer to the appropriate sections of your booklet.
General Information
Waiting Period 1 month of continuous employment
Termination Termination of coverage may vary from benefit to benefit as indicated in this
Summary. Coverage may also end on an earlier date, as specified in the
General Information section of your booklet.
Extended Health Care

Benefit year September 1, 2018 to December 31, 2018, and then from January 1 to
December 31
Deductible None
Drug card plan Included
Reimbursement level
Prescription drugs 80%. Eligible expenses in excess of $1,066 per person per benefit year will be
covered at 100%.
Drug substitution limit Charges in excess of the lowest priced equivalent drug are not covered unless
specifically approved by Sun Life. To assess the medical necessity of a higher
priced drug, Sun Life will require the covered person and the attending doctor
to complete and submit an exception form.
In-province hospital 100% of the difference between the cost of a ward and a semi-private hospital
room
Effective September 1, 2018 (A) 1

Convalescent hospital 100% of the difference between the cost of a ward and a semi-private room, up
to $20 per day for a maximum of 180 days for treatment of an illness due to the
same or related causes
Out-of-province 100%
emergency services Emergency Travel Assistance included
Maximum of 60 days per trip
Lifetime maximum of $3,000,000 per person for out-of-Canada services
Out-of-province referred 80%
services
Medical services and 80%
equipment
Paramedical services 80% up to a maximum of $500 per person per specialty in a benefit year for
the paramedical specialists listed below:
n licensed psychologists or social workers
n licensed massage therapists
n licensed speech therapists
n licensed physiotherapists
n licensed naturopaths
n licensed acupuncturists
n licensed dieticians
n licensed osteopaths or osteopathic practitioners, including a maximum of
one x-ray examination each benefit year
n licensed chiropractors, including a maximum of one x-ray examination
each benefit year
n licensed podiatrists or chiropodists, including a maximum of one x-ray
examination each benefit year
Vision care 100% up to a maximum of $200 in any 12 month period for a person under age
18 or in any 24 month period for any other person
Best Doctors services Included
Termination When you retire or reach age 75, whichever is earlier
Dental Care
Benefit year September 1, 2018 to December 31, 2018, and then from January 1 to
December 31

Deductible None
Fee guide The current fee guide for general practitioners in the province where the
employee lives
Reimbursement level
Preventive procedures 80%
Basic procedures 80%
Major procedures 50%
Orthodontic procedures 50%, only for children under age 19
Maximum benefit
Benefit year maximum $2,500 per person
TMJ and Orthodontic expenses are not included in the benefit year maximum.
A separate lifetime maximum applies.
Lifetime maximum TMJ procedures – $1,000 per person
Orthodontic procedures – $2,500 per person
Late applicant maximum If you apply for coverage either for yourself or your dependents more than 31
days after becoming eligible, the maximum benefit is $300 per person during
the first 3 years for Orthodontic procedures, and $100 per person during the
first year for all other expenses
Long-Term Disability
Maximum amount 66.67% of your monthly basic earnings up to a maximum of $9,000. For
coverage in excess of the amount indicated under Proof of good health, your
coverage is subject to approval by Sun Life. Refer to Proof of good health
below for further information.
The maximum amount may be reduced by benefits and payments provided
from other sources as described in the Long-Term Disability section of your
booklet.

Tax status Your employer has indicated that all or a portion of the premium for this
disability plan is paid by the employer. Therefore, the benefit payments are
taxable income.
Proof of good health Approval required for coverage in excess of $3,800, and any increase in that
coverage of 25% or more or $500, whichever is greater
Elimination period 4 months
Maximum benefit period The period ending on the last day of the month in which you reach age 65
Benefits may also end on an earlier date as specified in the Long-Term
Disability section of your booklet
Termination The day you reach age 65 less the elimination period or the day you retire,
whichever is earlier
Critical Illness – Contract No. 132801
Employee Critical Illness

Amount $50,000
Proof of good health Approval required for coverage in excess of $25,000
Life
Employee Life
Amount 2 times your annual basic earnings rounded to the next higher $1,000
Maximum – $500,000
Minimum – $20,000
Proof of good health Approval required for coverage in excess of $200,000, and any increase in that
coverage of 25% or more or $25,000, whichever is greater
Reduction When you reach age 65, your benefit will reduce to 50% of the above amount.
When you reach age 70, your benefit will be further reduced by 50%. The
maximum benefit maximum is $25,000

Dependent Life
Amount Spouse – $10,000
Child – $5,000
Converting Life If Life coverage ends or reduces for any reason other than your request, the
coverage group Life coverage may be converted to an individual Life policy with
Sun Life without providing proof of good health. For more information, please
refer to the Life Coverage section of your booklet.
Accidental Death and Dismemberment
Employee Accidental Death and Dismemberment

Amount Equal to Employee Life coverage

Contract No. 188079 General Information
General Information
Eligibility To be eligible for group benefits, you must be a resident of Canada and meet
the following conditions:
n you are a permanent employee working in Canada other than a chief

executive officer.
n you are actively working for your employer at least 30 hours a week.
n you have completed the waiting period. Any period during which you do
not meet the above eligibility requirements cannot be counted as part of
the waiting period.
The waiting period for your group plan is 1 month of continuous employment.
We consider you to be actively working if you are performing all the usual and
customary duties of your job with your employer for the scheduled number of
hours for that day. This includes scheduled non-working days and any period
of continuous paid vacation of up to 3 months if you were actively working on
the last scheduled working day. We do not consider you to be actively at work
if you are receiving disability benefits or are participating in a partial disability
or rehabilitation program.
Your dependents become eligible for coverage on the date you become eligible
or the date they first become your dependent, whichever is later. You must
apply for coverage for yourself in order for your dependents to be eligible.
Who qualifies as Your dependent must be your spouse or your child and a resident of Canada or
your dependent the United States.
Your spouse by marriage or under any other formal union recognized by law,
or your partner of the opposite sex or of the same sex who is publicly
represented as your spouse, is an eligible dependent. You can only cover one
spouse at a time.
Your children and your spouse’s children (other than foster children) are
eligible dependents if they are not married or in any other formal union
recognized by law, and are under age 21.

A child who is a full-time student attending an educational institution

recognized under the Income Tax Act (Canada) is also considered an eligible
dependent until the age of 25 as long as the child is entirely dependent on you
for financial support.
If a child becomes handicapped before the limiting age, we will continue
coverage as long as:
n the child is incapable of financial self-support because of a physical or
mental disability, and
n the child depends on you for financial support, and is not married nor in
any other formal union recognized by law.
In these cases, you must notify Sun Life within 31 days of the date the child
attains the limiting age. Your employer can give you more information about
this.
About this booklet The information in this employee benefits booklet is important to you. It
provides the information you need about the group benefits available through
your employer’s group contract with Sun Life Assurance Company of Canada
(Sun Life), a member of the Sun Life Financial group of companies.
Your group benefits may be modified after the effective date of this booklet.
You will receive written notification of changes to your group plan. The
notification will supplement your group benefits booklet and should be kept in
a safe place together with this booklet.
For administrative purposes, number 132801 will be used for the Critical
Illness benefit under this contract.
If you have any questions about the information in this employee benefits
booklet, or you need additional information about your group benefits, please
contact your employer.
Enrolment You have to enrol to receive coverage. To enrol, you must send the appropriate
enrolment information to Sun Life through your employer. For a dependent to
receive coverage, you must request dependent coverage.

If you or your dependents are covered for comparable Extended Health Care or
Dental Care coverage under this or another plan, you may refuse this coverage
under this plan. If, at a later date, the other coverage ends, you can enrol for
coverage under this plan at that time.
You should request coverage for yourself or your dependents within 31 days of
becoming eligible for coverage. If your enrolment request is not received by
Sun Life within this time limit, you will have to provide proof of good health
at your own expense.
Proof of good health is required if you are age 65 or over on the date you
become eligible for coverage unless you were covered under a previous group
contract when it ended. Proof of good health is also required for your
dependents.
There are other circumstances when you will be required to provide proof of
good health. Please contact your employer for additional information as it may
impact the amount of your coverage.
When coverage Your coverage begins on the later of the following dates:
begins
n the date you become eligible for coverage.
n the date you enrol for coverage.
n the date Sun Life approves your proof of good health, if required.
If you are not actively working on the date coverage would normally begin,
your coverage will not begin until you return to active work.
A dependent’s coverage begins on the later of the following dates:
n the date your coverage begins.
n the date the dependent becomes eligible for coverage.
n the date you request dependent coverage.
n the date Sun Life approves the dependent’s proof of good health, if
required.
However, for a dependent, other than a newborn child, who is hospitalized,
coverage will begin when the dependent is discharged from hospital and is
actively pursuing normal activities.

Once you have dependent coverage, any subsequent dependents will be

covered automatically. However, for claims paying purposes, you must advise
your employer of the name of any subsequent dependent.
If there are additional conditions for a particular benefit, these conditions will
appear in the appropriate benefit section later in this booklet.
Changes affecting From time to time, there may be circumstances that could lead to a change in
your coverage your coverage. For example, your employment status may change, or your
employer may change the group contract.
Any resulting change in the coverage will take effect on the date of the change
in circumstances.
For a commissioned salesperson, any change in coverage resulting from a
change in basic earnings will take effect on the following September 1. If the
earnings change takes effect on September 1, then the change in coverage will
take effect on that same day.
The following exceptions apply if the result of the change is an increase in
coverage:
n if proof of good health is required, the change cannot take effect before
Sun Life approves the proof of good health.
n if you are not actively working when the change occurs or when
Sun Life approves proof of good health, the change cannot take effect
before you return to active work.
n if a dependent, other than a newborn child, is hospitalized on the date
when the change occurs, the change in the dependent’s coverage cannot
take effect before the dependent is discharged and is actively pursuing
normal activities.
For Critical Illness coverage, to understand the impact on coverage when new
covered conditions are added to this plan, refer to the Critical Illness benefit
provision.
Updating your To ensure that coverage is kept up-to-date, it is important that you report any
records of the following changes to your employer:
n change of dependents.
n change of name.

n change of beneficiary.
Accessing your For insured benefits, you may obtain copies of the following documents:
records
n your enrolment form or application for insurance.
n 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
contract.
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:
n our website at www.mysunlife.ca
n our Customer Care centre by calling toll-free at 1-800-361-6212.
When coverage ends As an employee, your coverage will end on the earlier of the following dates:
n the date your employment ends or you retire.
n the date you are no longer actively working.
n the end of the period for which premiums have been paid to Sun Life for
your coverage.
n the date the group contract or the benefit provision ends.
A dependent’s coverage terminates on the earlier of the following dates:
n the date your coverage ends.
n the date the dependent is no longer an eligible dependent.
n the end of the period for which premiums have been paid for dependent
coverage.
The termination of coverage may vary from benefit to benefit. For information
about the termination of a specific benefit, please refer to the appropriate
section of this employee benefits booklet.

Surviving dependent If you die while covered by this plan, coverage for your dependents will
coverage continue, without premiums, until the earlier of the following dates:
n 24 months after the date of your death.
n the date the person would no longer be considered your dependent under
this plan if you were still alive.
n the date your coverage would have terminated if you were still alive.
n the date the benefit provision under which the dependent is covered
terminates.
When dependent coverage continues, it is subject to all other terms of the plan.
Replacement The group contract will be interpreted and administered according to the
coverage guidelines of the Canadian Life and Health Insurance Association or any
applicable legislation concerning the continuation of insurance following
contract termination and the replacement of group insurance.
Sun Life will not be responsible for paying benefits if an insurer under a
previous group contract is responsible for paying similar benefits.
If such legislation or guidelines require that Sun Life resume paying certain
benefits because of a recurrence of your total disability, Sun Life will resume
payment at the same amount subject to all terms and conditions of the group
contract.
With respect to Critical Illness, for coverage for any covered condition which
was not included in the previous group plan, refer to the Critical Illness benefit
provision.
Making claims Sun Life is dedicated to processing your claims promptly and efficiently. For
Critical Illness claims, you should contact Sun Life to get the proper form to
make a claim. For all other claims, you should contact your employer to get the
proper form to make a claim.
There are time limits for making claims. These limits are discussed in the
appropriate sections of this employee benefits booklet. If you fail to abide by
these time limits, you may not be entitled to some or all benefit payments.
All claims must be made in writing on forms approved by Sun Life.

For the assessment of a claim, Sun Life may require medical records or reports,
proof of payment, itemized bills, or other information Sun Life considers
necessary. Proof of claim is at your expense.
Legal actions Limitation period for Ontario:

Every action or proceeding against an insurer for the recovery of insurance
money payable under the contract is absolutely barred unless commenced
within the time set out in the Limitations Act, 2002.
Limitation period for any other province:
Every action or proceeding against an insurer for the recovery of insurance
money payable under the contract is absolutely barred unless commenced
within the time set out in the Insurance Act or other applicable legislation of
your province or territory.
Proof of disability From time to time, Sun Life can require that you provide us with proof of your
total disability. If you do not provide this information within 90 days of the
request, you will not be entitled to benefits.
Coordination of If you or your dependents are covered for Extended Health Care or Dental
benefits Care under this plan and another plan, our benefits will be coordinated with the
other plan following insurance industry standards. These standards determine
which plan you should claim from first.
The plan that does not contain a coordination of benefits clause is considered
to be the first payer and therefore pays benefits before a plan which includes a
coordination of benefits clause.
For dental accidents, health plans with dental accident coverage pay benefits
before dental plans.
The maximum amount that you can receive from all plans for eligible expenses
is 100% of actual expenses.
Where both plans contain a coordination of benefits clause, claims must be
submitted in the order described below.
Claims for you and your spouse should be submitted in the following order:
n the plan where the person is covered as an employee. If the person is an
employee under two plans, the following order applies:

o the plan where the person is covered as an active full-time

employee.
o the plan where the person is covered as an active part-time
employee.
o the plan where the person is covered as a retiree.
n the plan where the person is covered as a dependent.
Claims for a child should be submitted in the following order:
n the plan where the child is covered as an employee.
n the plan where the child is covered under a student health or dental plan
provided through an educational institution.
n the plan of the parent with the earlier birth date (month and day) in the
calendar year. For example, if your birthday is May 1 and your spouse’s
birthday is June 5, you must claim under your plan first.
n the plan of the parent whose first name begins with the earlier letter in
the alphabet, if the parents have the same birth date.
The above order applies in all situations except when parents are
separated/divorced and there is no joint custody of the child, in which case the
following order applies:
n the plan of the parent with custody of the child.
n the plan of the spouse of the parent with custody of the child.
n the plan of the parent not having custody of the child.
n the plan of the spouse of the parent not having custody of the child.
When you submit a claim, you have an obligation to disclose to Sun Life all
other equivalent coverage that you or your dependents have.
Your employer can help you determine which plan you should claim from first.
Medical We can require medical examinations of any person for whom a claim is made.
examinations We will pay for the cost of these examinations. If the person fails or refuses to
have an examination, we will not pay any benefit.
Recovering We have the right to recover all overpayments of benefits either by deducting
overpayments from other benefits or by any other available legal means.

Assignments For Life benefits, no rights or interests can be assigned.

For all other benefits, we reserve the right to refuse assignments.
Definitions Here is a list of definitions of some terms that appear in this employee benefits
booklet. Other definitions appear in the benefit sections.
Accident An accident is a bodily injury that occurs solely as a direct result of a violent,
sudden and unexpected action from an outside source.
Appropriate treatment Appropriate treatment is defined as 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 Basic earnings are the salary you receive from your employer excluding any
bonus, overtime or incentive pay.
If you are a commissioned salesperson, basic earnings are your average
earnings over the past 2 years, including commissions. If employed less than 2
years, basic earnings are your average earnings since your date of hire,
including commissions.
Doctor A doctor is a physician or surgeon who is licensed to practice medicine where
that practice is located.
Illness An illness is 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.
We, our and us We, our and us mean Sun Life Assurance Company of Canada.

Contract No. 188079 Extended Health Care
Extended Health Care
General description In this section, you means the employee and all dependents covered for
of the coverage Extended Health Care benefits.
Extended Health Care coverage pays for eligible services or supplies for you
that are medically necessary for the treatment of an illness. However, there are
additional eligibility requirements that apply to drugs (see Prior authorization
program for details).
Medically necessary means generally recognized by the Canadian medical

profession as effective, appropriate and required in the treatment of an illness
in accordance with Canadian medical standards.
To qualify for this coverage you must be entitled to benefits under a provincial
medicare plan or federal government plan that provides similar benefits.
An expense must be claimed for the benefit year in which the expense is
incurred. You incur an expense on the date the service is received or the
supplies are purchased or rented.
The benefit year is from September 1, 2018 to December 31, 2018, and then
from January 1 to December 31.
Deductible There is no deductible for this coverage.
Prescription drugs Drugs covered under this plan must have a Drug Identification Number (DIN)
and be approved under Drug evaluation.
We will cover the cost of the following drugs and supplies that are prescribed
by a doctor or dentist and are obtained from a pharmacist:
n drugs that legally require a prescription.

n life-sustaining drugs that may not legally require a prescription.
n injectable drugs and vitamins.

n compounded preparations, provided that the principal active ingredient

is an eligible expense and has a DIN.
n diabetic supplies.
n products to help a person quit smoking that legally require a
prescription, up to a lifetime maximum of $500 for each person.
n drugs for the treatment of infertility, up to a lifetime maximum of $2,400
for each person.
n vaccines.
n intrauterine devices (IUDs) and diaphragms.
n colostomy supplies.
n varicose vein injections.
We will cover 80% of the cost of the above drugs and supplies. Eligible
expenses in excess of $1,066 per person per benefit year will be covered at
100%.
Payments for any single purchase are limited to quantities that can reasonably
be used in a 34 day period or, in the case of certain maintenance drugs, in a
100 day period as ordered by a doctor.
We will not pay for the following, even when prescribed:
n infant formulas (milk and milk substitutes), minerals, proteins, vitamins
and collagen treatments.
n the cost of giving injections, serums and vaccines.
n treatments for weight loss, including drugs, proteins and food or dietary
supplements.
n hair growth stimulants.
n drugs for the treatment of sexual dysfunction.
n drugs that are used for cosmetic purposes.
n natural health products, whether or not they have a Natural Product
Number (NPN).

n drugs and treatments, and any services and supplies relating to the
administration of the drug and treatment, administered in a hospital, on
an in-patient or out-patient basis, or in a government-funded clinic or
treatment facility.
Drug evaluation The following drugs will be evaluated and must be approved by us to be
eligible for coverage:
n drugs that receive Health Canada Notice of Compliance for an initial or

a new indication on or after November 1, 2017.
n drugs covered under this plan and subject to a significant increase in

cost.
Drug expenses are eligible for reimbursement only if incurred on or after the
date of our approval.
We will assess the eligibility of the drug based on factors such as:
n comparative analysis of the drug cost and its clinical effectiveness.
n recommendations by health technology assessment organizations and

provinces.
n availability of other drugs treating the same or similar conditions(s).
n plan sustainability.
Drug substitution limit Charges in excess of the lowest priced equivalent drug are not covered unless
specifically approved by Sun Life. To assess the medical necessity of a higher
priced drug, Sun Life will require you and your doctor to complete and submit
an exception form.
Prior authorization The prior authorization (PA) program applies to a limited number of drugs and,
program as its name suggests, prior approval is required for coverage under the
program. If you submit a claim for a drug included in the PA program and you
have not been pre-approved, your claim will be declined.
In order for drugs in the PA program to be covered, you need to provide

medical information. Please use our PA form to submit this information. Both
you and your doctor need to complete parts of the form.

You will be eligible for coverage for these drugs if the information you and
your doctor provide meets our clinical criteria based on factors such as:
n Health Canada Product Monograph.
n recognized clinical guidelines.
n comparative analysis of the drug cost and its clinical effectiveness.
n recommendations by health technology assessment organizations and

provinces.
n your response to preferred drug therapy.
If not, your claim will be declined.
Our prior authorization forms are available from the following sources:
n our website at www.mysunlife.ca/priorauthorization
n our Customer Care centre by calling toll-free 1-800-361-6212
Other health We reimburse certain drugs prescribed by other qualified health professionals
professionals allowed the same way as if the drugs were prescribed by a doctor or a dentist if the
to prescribe drugs applicable provincial legislation permits them to prescribe those drugs.
Hospital expenses in We will cover 100% of the costs for hospital care in the province where you
your province live.
We will cover out-patient services in a hospital, except for any services
explicitly excluded under this benefit, and the difference between the cost of a
ward and a semi-private hospital room.
A hospital is a facility licensed to provide care and treatment for sick or injured
patients, primarily while they are acutely ill. It must have facilities for
diagnostic treatment and major surgery. Nursing care must be available 24
hours a day. It does not include a nursing home, rest home, home for the aged
or chronically ill, sanatorium, convalescent hospital or a facility for treating
alcohol or drug abuse or beds set aside for any of these purposes in a hospital.
Convalescent hospital We will cover 100% of the cost of room and board in a convalescent hospital if
this care has been ordered by a doctor as long as it is primarily for
rehabilitation, and not for custodial care.

The maximum amount payable is the difference between the cost of a ward and
a semi-private room, up to $20 per day for a maximum of 180 days for
treatment of an illness due to the same or related causes.
A convalescent hospital is a facility licensed to provide convalescent care and

treatment for sick or injured patients on an in-patient basis. Nursing and
medical care must be available 24 hours a day. It does not include a nursing
home, rest home, home for the aged or chronically ill, sanatorium or a facility
for treating alcohol or drug abuse.
Expenses out of We will cover emergency services while you are outside the province where
your province you live. We will also cover referred services.
For both emergency services and referred services, we will cover the cost of:
n a semi-private hospital room.
n other hospital services provided outside of Canada.
n out-patient services in a hospital.
n the services of a doctor.
Expenses for all other services or supplies eligible under this plan are also
covered when they are incurred outside the province where you live, subject to
the reimbursement level and all conditions applicable to those expenses.
Emergency services We will pay 100% of the cost of covered emergency services.
We will only cover emergency services obtained within 60 days of the date
you leave the province where you live. If hospitalization occurs within this
period, in-patient services are covered until the date you are discharged.
Emergency services mean any reasonable medical services or supplies,
including advice, treatment, medical procedures or surgery, required as a result
of an emergency. When a person has a chronic condition, emergency services
do not include treatment provided as part of an established management
program that existed prior to the person leaving the province where the person
lives.
Emergency means an acute illness or accidental injury that requires immediate,
medically necessary treatment prescribed by a doctor.

At the time of an emergency, you or someone with you must contact

Sun Life’s Emergency Travel Assistance provider, AZGA Service Canada Inc.
(Allianz Global Assistance). All invasive and investigative procedures
(including any surgery, angiogram, MRI, PET scan, CAT scan), must be
pre-authorized by Allianz Global Assistance prior to being performed, except
in extreme circumstances where surgery is performed on an emergency basis
immediately following admission to a hospital.
If contact with Allianz Global Assistance cannot be made before services are
provided, contact with Allianz Global Assistance must be made as soon as
possible afterwards. If contact is not made and emergency services are
provided in circumstances where contact could reasonably have been made,
then Sun Life has the right to deny or limit payments for all expenses related to
that emergency.
An emergency ends when you are medically stable to return to the province
where you live.
Emergency services Any expenses related to the following emergency services are not covered:
excluded from
coverage n services that are not immediately required or which could reasonably be
delayed until you return to the province where you live, unless your
medical condition reasonably prevents you from returning to that
province prior to receiving the medical services.
n services relating to an illness or injury which caused the emergency,
after such emergency ends.
n continuing services, arising directly or indirectly out of the original
emergency or any recurrence of it, after the date that Sun Life or Allianz
Global Assistance, based on available medical evidence, determines that
you can be returned to the province where you live, and you refuse to
return.
n services which are required for the same illness or injury for which you
received emergency services, including any complications arising out of
that illness or injury, if you had unreasonably refused or neglected to
receive the recommended medical services.
n where the trip was taken to obtain medical services for an illness or
injury, services related to that illness or injury, including any
complications or any emergency arising directly or indirectly out of that
illness or injury.

Referred services Referred services must be for the treatment of an illness and ordered in writing
by a doctor located in the province where you live. We will pay 80% of the
costs of referred services. Your provincial medicare plan must agree in writing
to pay benefits for the referred services.
All referred services must be:
n obtained in Canada, if available, regardless of any waiting lists, and
n covered by the medicare plan in the province where you live.
However, if referred services are not available in Canada, they may be
obtained outside of Canada.
Emergency services Expenses incurred for emergency services outside Canada are subject to a
outside Canada lifetime maximum of $3,000,000 per person or, if lower, any other applicable
lifetime maximum.
Medical services and We will cover 80% of the costs for the medical services listed below when
equipment ordered by a doctor (the services of a licensed optometrist, ophthalmologist or
dentist do not require a doctor’s order).
n out-of-hospital private duty nurse services when medically necessary.
Services must be for nursing care, and not for custodial care. The private
duty nurse must be a nurse, or nursing assistant who is licensed, certified
or registered in the province where you live and who does not normally
live with you. The services of a registered nurse are eligible only when
someone with lesser qualifications can not perform the duties. There is a
limit of $10,000 per person per benefit year.
n transportation in a licensed ambulance, if medically necessary, that takes
you to and from the nearest hospital that is able to provide the necessary
medical services. Expenses incurred outside Canada for emergency
services will be paid based on the conditions specified above for
emergency services under Expenses out of your province.
n transportation in a licensed air ambulance, if medically necessary, that
takes you to the nearest hospital that provides the necessary emergency
services. Expenses incurred outside Canada for emergency services will
be paid based on the conditions specified above for emergency services
under Expenses out of your province.

n the following diagnostic services rendered outside of a hospital, except if

the covered person’s provincial plan prohibits payment of these
expenses:
o laboratory tests.
o ultrasounds.
o MRI (magnetic resonance imaging), CT (computed tomography)
scans and other medical imaging services, up to a combined
maximum of $1,000 per person per benefit year.
n dental services, including braces and splints, to repair damage to natural
teeth caused by an accidental blow to the mouth that occurs while you
are covered. These services must be received within 12 months of the
accident. We will not cover more than the fee stated in the Dental
Association Fee Guide for a general practitioner in the province where
the employee lives. The guide must be the current guide at the time that
treatment is received.
n services of an ophthalmologist or licensed optometrist, limited to one
examination in any 12 month period for a person under age 18 or in any
24 month period for any other person.
n contact lenses or intraocular lenses following a cataract surgery, limited
to a lifetime maximum of one lens per eye.
n wigs following chemotherapy, up to a maximum of $300 per person in a
benefit year. Wigs do not require a doctor’s order.
n medically necessary equipment rented, or purchased at our request, that
meets your basic medical needs. If alternate equipment is available,
eligible expenses are limited to the cost of the least expensive equipment
that meets your basic medical needs. For wheelchairs, eligible expenses
are limited to the cost of a manual wheelchair, except if the person’s
medical condition warrants the use of an electric wheelchair.
n casts, splints, trusses, braces or crutches.
n breast prostheses required as a result of surgery, up to a maximum of
$200 per person in a benefit year.
n surgical brassieres required as a result of surgery, up to a maximum of 2
brassieres per person in a benefit year.

n artificial limbs and eyes.

n stump socks, up to a maximum of 5 pairs per person in a benefit year.
n elastic support stockings, including pressure gradient hose, up to a
maximum of 2 pairs per person in a benefit year.
n custom-made orthotic inserts for shoes and custom-made orthopaedic
shoes or modifications to orthopaedic shoes, when prescribed by a
doctor, podiatrist or chiropodist, up to a combined maximum of $300 per
person in a benefit year.
n hearing aids, up to a maximum of $700 per person over a period of 5
benefit years. Repairs are included in this maximum.
n oxygen, plasma and blood transfusions.
n blood glucose monitors, up to a lifetime maximum of $700 per person.
n Continuous Glucose Monitor (CGM) receivers, transmitters or sensors,
for persons diagnosed with Type 1 diabetes, up to a combined maximum
of $4,000 per person per benefit year. You must provide us with a
doctor’s note confirming the diagnosis.
Paramedical We will cover 80% of the costs, up to a maximum of $500 per person per
services specialty in a benefit year for the paramedical specialists listed below:
n licensed psychologists or social workers.
n licensed massage therapists.
n licensed speech therapists.
n licensed physiotherapists.
n licensed naturopaths.
n licensed acupuncturists.
n licensed dieticians.
n licensed osteopaths or osteopathic practitioners, including a maximum of
one x-ray examination each benefit year.
n licensed chiropractors, including a maximum of one x-ray examination
each benefit year.

n licensed podiatrists or chiropodists, including a maximum of one x-ray

examination each benefit year.
Vision care We will cover the cost of contact lenses, eyeglasses or laser eye correction
surgery. Contact lenses or eyeglasses must be prescribed by an
ophthalmologist or licensed optometrist and obtained from an ophthalmologist,
licensed optometrist or optician. Laser eye correction surgery must be
performed by an ophthalmologist.
We will cover 100% of these costs up to a maximum of $200 in any 12 month
period for a person under age 18 or in any 24 month period for any other
person.
We will not pay for sunglasses, magnifying glasses, or safety glasses of any
kind, unless they are prescription glasses needed for the correction of vision.
When coverage ends Extended Health Care coverage will end when the employee retires or reaches
age 75, whichever is earlier.
Coverage may also end on an earlier date, as specified in General Information.
Payments after If you are totally disabled when your coverage ends, benefits will continue for
coverage ends expenses that result from the illness that caused the total disability if the
expenses are incurred:
n during the uninterrupted period of total disability,
n within 90 days of the end of coverage, and
n while this provision is in force.
For the purpose of this provision, an employee is totally disabled if prevented
by illness from performing any occupation the employee is or may become
reasonably qualified for by education, training or experience, and a dependent
is totally disabled if prevented by illness from performing the dependent’s
normal activities.
If the Extended Health Care benefit terminates, coverage for dental services to
repair natural teeth damaged by an accidental blow will continue, if the
accident occurred while you were covered, and the procedure is performed
within 6 months after the date of the accident.
What is not covered We will not pay for the costs of:

n services or supplies payable or available (regardless of any waiting list)

under any government-sponsored plan or program, except as described
below under Integration with government programs.
n services or supplies to the extent that their costs exceed the reasonable
and usual rates in the locality where the services or supplies are
provided.
n equipment that Sun Life considers ineligible (examples of this
equipment are orthopaedic mattresses, exercise equipment,
air-conditioning or air-purifying equipment, whirlpools and humidifiers).
n any services or supplies that are not usually provided to treat an illness,
including experimental or investigational treatments. Experimental or
investigational treatments mean treatments that are not approved by
Health Canada or other government regulatory body for the general
public.
n services or supplies that do not qualify as medical expenses under the
Income Tax Act (Canada).
n services or supplies for which no charge would have been made in the
absence of this coverage.
We will not pay benefits when the claim is for an illness resulting from:
n the hostile action of any armed forces, insurrection or participation in a
riot or civil commotion.
n any work for which you were compensated that was not done for the
employer who is providing this plan.
n participation in a criminal offence.
Integration with This plan will integrate with benefits payable or available under the
government government-sponsored plan or program (the government program).
programs
The covered expense under this plan is that portion of the expense that is not
payable or available under the government program, regardless of:
n whether you have made an application to the government program,
n whether coverage under this plan affects your eligibility or entitlement to
any benefits under the government program, or
n any waiting lists.

When and how to To make a claim, complete the claim form that is available from your employer
make a claim or on our Sun Life Financial Plan Member Services website at
www.mysunlife.ca.
In order for you to receive benefits, we must receive the claim no later than:
n 365 days after the date you incur the expenses, or
n 90 days after the end of your Extended Health Care coverage, whichever
is earlier.
Claims may be submitted electronically for some expenses. Please contact your
employer for more information.
Best Doctors The services offered by Best Doctors are not insured or administered by
Sun Life.
If you, as an employee, are covered for Extended Health Care, you, your
spouse, your children, your parents and your parents-in-law have access to
Best Doctors.
Best Doctors services are available to your spouse and children even if they are
not covered for Extended Health Care under this plan.
Best Doctors offers a variety of services that can help if a person suspects or
has been diagnosed with a serious medical condition. To use this service,
please call Best Doctors at 1-877-419-BEST (2378).
Liability and Sun Life will not be held liable for any acts or omissions of any person or
responsibility of organization providing services directly or indirectly in connection with
Sun Life Best Doctors.
Sun Life cannot guarantee the availability of Best Doctors services.

Contract No. 188079 Emergency Travel Assistance
Emergency Travel Assistance

General description In this section, you means the employee and all dependents covered for
of the coverage Emergency Travel Assistance benefits.
If you are faced with a medical emergency when travelling outside of the
province where you live, AZGA Service Canada Inc. (Allianz Global
Assistance) can help.
Emergency means an acute illness or accidental injury that requires immediate,
medically necessary treatment prescribed by a doctor.
This benefit, called Medi-Passport, supplements the emergency portion of
your Extended Health Care coverage. It only covers emergency services that
you obtain within 60 days of leaving the province where you live. If
hospitalization occurs within this time period, in-patient services are covered
until you are discharged.
The Medi-Passport coverage is subject to any maximum applicable to the
emergency portion of the Extended Health Care benefit. The emergency
services excluded from coverage, and all other conditions, limitations and
exclusions applicable to your Extended Health Care coverage also apply to
Medi-Passport.
We recommend that you bring your Travel Card with you when you travel. It
contains telephone numbers and the information needed to confirm your
coverage and receive assistance.
Getting help At the time of an emergency, you or someone with you must contact
Allianz Global Assistance. If contact with Allianz Global Assistance
cannot be made before services are provided, contact with Allianz Global
Assistance must be made as soon as possible afterwards. If contact is not
made and emergency services are provided in circumstances where
contact could reasonably have been made, then Sun Life has the right to
deny or limit payments for all expenses related to that emergency.
Access to a fully staffed coordination centre is available 24 hours a day. Please
consult the telephone numbers on the Travel Card.
Allianz Global Assistance may arrange for:

On the spot medical Allianz Global Assistance will provide referrals to physicians, pharmacists and
assistance medical facilities.
As soon as Allianz Global Assistance is notified that you have a medical
emergency, its staff, or a physician designated by Allianz Global Assistance,
will, when necessary, attempt to establish communications with the attending
medical personnel to obtain an understanding of the situation and to monitor
your condition. If necessary, Allianz Global Assistance will also guarantee or
advance payment of the expenses incurred to the provider of the medical
service.
Allianz Global Assistance will provide translation services in any major
language that may be needed to communicate with local medical personnel.
Allianz Global Assistance will transmit an urgent message from you to your
home, business or other location. Allianz Global Assistance will keep
messages to be picked up in its offices for up to 15 days.
Transportation home Allianz Global Assistance may determine, in consultation with an attending
or to a different physician, that it is necessary for you to be transported under medical
medical facility supervision to a different hospital or treatment facility or to be sent home.
In these cases, Allianz Global Assistance will arrange, guarantee, and if
necessary, advance the payment for your transportation.
Sun Life or Allianz Global Assistance, based on available medical evidence,
will make the final decision whether you should be moved, when, how and to
where you should be moved and what medical equipment, supplies and
personnel are needed.
Meals and If your return trip is delayed or interrupted due to a medical emergency or the
accommodations death of a person you are travelling with who is also covered by this benefit,
expenses Allianz Global Assistance will arrange for your meals and accommodations at
a commercial establishment. We will pay a maximum of $150 a day for each
person for up to 7 days.
Allianz Global Assistance will arrange for meals and accommodations at a
commercial establishment, if you have been hospitalized due to a medical
emergency while away from the province where you live and have been
released, but, in the opinion of Allianz Global Assistance, are not yet able to
travel. We will pay a maximum of $150 a day for up to 5 days.
Travel expenses Allianz Global Assistance will arrange and, if necessary, advance funds for
home if stranded transportation to the province where you live:

n for you, if due to a medical emergency, you have lost the use of a ticket
home because you or a dependent had to be hospitalized as an in-patient,
transported to a medical facility or repatriated; or
n for a child who is under the age of 16, or mentally or physically
handicapped, and left unattended while travelling with you when you are
hospitalized outside the province where you live, due to a medical
emergency.
If necessary, in the case of such a child, Allianz Global Assistance will also
make arrangements and advance funds for a qualified attendant to accompany
them home. The attendant is subject to the approval of you or a member of
your family.
We will pay a maximum of the cost of the transportation minus any
redeemable portion of the original ticket.
Travel expenses of Allianz Global Assistance will arrange and, if necessary, advance funds for one
family members round-trip economy class ticket for a member of your immediate family to
travel from their home to the place where you are hospitalized if you are
hospitalized for more than 7 consecutive days, and:
n you are travelling alone, or
n you are travelling only with a child who is under the age of 16 or
mentally or physically handicapped.
We will pay a maximum of $150 a day for the family member’s meals and
accommodations at a commercial establishment up to a maximum of 7 days.
Repatriation If you die while out of the province where you live, Allianz Global Assistance
will arrange for all necessary government authorizations and for the return of
your remains, in a container approved for transportation, to the province where
you live. We will pay a maximum of $5,000 per return.
Vehicle return Allianz Global Assistance will arrange and, if necessary, advance funds up to
$500 for the return of a private vehicle to the province where you live or a
rental vehicle to the nearest appropriate rental agency if death or a medical
emergency prevents you from returning the vehicle.
Lost luggage or If your luggage or travel documents become lost or stolen while you are
documents travelling outside of the province where you live, Allianz Global Assistance
will attempt to assist you by contacting the appropriate authorities and by
providing directions for the replacement of the luggage or documents.

Coordination of You do not have to send claims for doctors’ or hospital fees to your provincial
coverage medicare plan first. This way you receive your refund faster. Sun Life and
Allianz Global Assistance coordinate the whole process with most provincial
plans and all insurers, and send you a cheque for the eligible expenses. Allianz
Global Assistance will ask you to sign a form authorizing them to act on your
behalf.
If you are covered under this group plan and certain other plans, we will
coordinate payments with the other plans in accordance with guidelines
adopted by the Canadian Life and Health Insurance Association.
The plan from which you make the first claim will be responsible for managing
and assessing the claim. It has the right to recover from the other plans the
expenses that exceed its share.
Limits on advances Advances will not be made for requests of less than $200. Requests in excess
of $200 will be made in full up to a maximum of $10,000.
The maximum amount advanced will not exceed $10,000 per person per trip
unless this limit will compromise your medical care.
Reimbursement of If, after obtaining confirmation from Allianz Global Assistance that you are
expenses covered and a medical emergency exists, you pay for services or supplies that
were eligible for advances, Sun Life will reimburse you.
To receive reimbursement, you must provide Sun Life with proof of the
expenses within 30 days of returning to the province where you live. Your
employer can provide you with the appropriate claim form.
Your responsibility You will have to reimburse Sun Life for any of the following amounts
for advances advanced by Allianz Global Assistance:
n any amounts which are or will be reimbursed to you by your provincial
medicare plan.
n that portion of any amount which exceeds the maximum amount of your
coverage under this plan.
n amounts paid for services or supplies not covered by this plan.
n amounts which are your responsibility, such as deductibles and the
percentage of expenses payable by you.

Sun Life will bill you for any outstanding amounts. Payment will be due when
the bill is received. You can choose to repay Sun Life over a 6 month period,
with interest at an interest rate established by Sun Life from time to time.
Interest rates may change over the 6 month period.
Limits on Emergency There are countries where Allianz Global Assistance is not currently available
Travel Assistance for various reasons. For the latest information, please call Allianz Global
coverage Assistance before your departure.
Allianz Global Assistance reserves the right to suspend, curtail or limit its
services in any area, without prior notice, because of:
n rebellion, riot, military up-rising, war, labour disturbance, strike, nuclear
accident, terrorism or act of God.
n refusal of authorities in the country to permit Allianz Global Assistance
to fully provide service to the best of its ability during any such
occurrence.
Liability of Sun Life Neither Sun Life nor Allianz Global Assistance will be liable for the
or Allianz Global negligence or other wrongful acts or omissions of any physician or other health
Assistance care professional providing direct services covered under this group plan.

Contract No. 188079 Dental Care
Dental Care
General description In this section, you means the employee and all dependents covered for Dental
of the coverage Care benefits.
Dental Care coverage pays for eligible expenses that you incur for dental
procedures provided by a licensed dentist, denturist, dental hygienist and
anaesthetist while you are covered by this group plan.
For each dental procedure, we will only cover reasonable expenses. We will
not cover more than the fee stated in the Dental Association Fee Guide for
general practitioners in the province where the employee lives, regardless of
where the treatment is received. Payments will be based on the current guide at
the time the treatment is received.
If services are provided by a dental specialist, eligible expenses are limited to
the fees indicated in the above fee guide for general practitioners.
When a fee guide is not published for a given year, the term fee guide may also
mean an adjusted fee guide established by Sun Life.
When deciding what we will pay for a procedure, we will first find out if other
or alternate procedures could have been done. These alternate procedures must
be part of usual and accepted dental work and must obtain as adequate a result
as the procedure that the dentist performed. We will not pay more than the
reasonable cost of the least expensive alternate procedure.
For an implant related crown or prosthesis, we will pay the benefit that would
have been payable under this plan for a tooth supported crown or a non implant
related prosthesis, respectively. We will take into account any limitations that
would have applied if there had been no implant. All other expenses related to
implants, including surgery charges, are not covered.
If you receive any temporary dental service, it will be included as part of the
final dental procedure used to correct the problem and not as a separate
procedure. The fee for the permanent service will be used to determine the
usual and reasonable charge for the final dental service.

An expense must be claimed for the benefit year in which the expense is
incurred. You incur an expense on the date your dentist performs a single
appointment procedure. For procedures which take more than one
appointment, you incur an expense once the entire procedure is completed,
except for orthodontic procedures where an expense is incurred for each
appointment.
The benefit year is from September 1, 2018 to December 31, 2018, and then
from January 1 to December 31.
Deductible There is no deductible for this coverage.
Benefit year We will not pay more than $2,500 per person for each benefit year for all
maximum services.
TMJ and Orthodontic expenses are not included in the benefit year maximum.
A separate lifetime maximum applies.
Lifetime maximum The maximum amount we will pay for all TMJ procedures in a person’s
lifetime is $1,000.
The maximum amount we will pay for all Orthodontic procedures in a person’s
lifetime is $2,500.
Restriction on If you apply for coverage either for yourself or your dependents more than 31
payments days after becoming eligible, the maximum amount we will pay for all
Orthodontic procedures is $300 per person for the first 3 years of coverage.
The maximum amount we will pay for all other eligible expenses is $100 per
person for the first year.
Predetermination We suggest that you send us an estimate, before the work is done, for any
major treatment or any procedure that will cost more than $500. You should
send us a completed dental claim form that shows the treatment that the dentist
is planning and the cost. Both you and the dentist will have to complete parts
of the claim form. We will tell you how much of the planned treatment is
covered. This way you will know how much of the cost you will be
responsible for before the work is done.
Preventive dental Your dental benefits include the following procedures used to help prevent
procedures dental problems. They are procedures that a dentist performs regularly to help
maintain good dental health.
We will pay 80% of the eligible expenses for these procedures.

Oral examinations You are covered for the following complete, recall or specific oral
examinations. Any examination must be separated from any other examination
by at least 6 months.
n 1 complete examination every 36 months. A complete examination
includes complete examination and charting of the hard and soft
structures, periodontal charting, pulp vitality tests, recording history,
treatment planning, case presentation and consultation with the patient.
n 1 recall or specific examination every 6 months. Recall and specific
examinations include a complete examination of the hard and soft
structures, checking occlusion, pulp vitality tests and consultation with
the patient.
You are also covered for 1 exam per specialty every 36 months and for
emergency examinations.
n specialty examinations include general or specific examinations for
periodontics, oral surgery, prosthodontics and endodontics.
n an emergency examination includes an evaluation for acute pain or
infection, and pulp vitality tests.
X-rays You are covered for all the following x-rays:
n 4 bitewing x-rays in any 6 month period. A bitewing x-ray is a routine
check-up x-ray used to detect decay in molar teeth.
n 1 complete series of x-rays or 1 panorex every 36 months. A complete
series of x-rays is 10-14 individual x-rays, including bitewings, showing
all the teeth in the mouth. A panorex is a large panoramic view of the
entire mouth.
n 4 x-rays of single teeth, called periapical x-rays, in any 60 day period.
n 2 occlusal x-rays in any 12 month period.
n 2 extra oral x-rays in any 12 month period.
Test and lab exams Test and lab examinations covered by this benefit include microbiological
tests, histological tests and cytological tests.
Polishing Cleaning of teeth. Limited to 1 unit of 15 minutes of cleaning every 6 months.

Scaling and Tartar removal. Scaling means removing calcium deposits above and below
root planing the gum line. Root planing is the final smoothing of rough tooth surfaces and
removing any remaining calcium deposits.
You are covered for up to 10 units of 15 minutes of tartar removal in any 12
month period.
Topical fluoride You are covered for 1 treatment every 6 months.
treatment
Oral hygiene You are covered for 1 unit of 15 minutes of instruction every 36 months on
instruction how to brush and floss.
Disking Filing or reshaping teeth. Only children under 19 are covered for this
procedure.
Space maintainers You are covered for this procedure when a dentist has removed a primary tooth
and maintenance and an appliance is used to maintain the space for a permanent tooth.
You can only have 1 appliance per quadrant unless another tooth in that
quadrant is subsequently lost. Teeth are divided into 4 quadrants: upper right,
upper left, lower right and lower left.
This procedure includes the design, separation, fabrication, insertion,
cementation, removal and 6 month follow-up care.
Maintenance includes adjustments and recementation, addition of clasps or
activating wires, repairs and recementation, and 6 month follow-up care.
Caries, trauma and You are covered for sedative fillings that are applied to very deep cavities to
pain control reduce pain.
This procedure includes local anaesthesia, removal of decay or removal of
existing restoration, occlusal adjustment, pulp cap and placement of a sedative
filling.
Basic dental Your dental benefits include the following procedures used to treat basic dental
procedures problems.
Fillings You are covered for amalgam fillings (silver) and composite or acrylic fillings
(white fillings).

An amalgam filling procedure includes pulp cap, sedative base, local

anaesthesia, occlusal adjustment, removal of decay or existing restoration,
placement of filling and finishing the restoration. Multiple restorations on one
surface will be considered a single filling.
A composite or acrylic filling procedure includes pulp cap, sedative base, local
anaesthesia, occlusal adjustment, removal of decay or existing restoration,
placement of filling and finishing the restoration. Multiple restorations on one
surface will be considered a single filling. Mesial-lingual, distal-lingual,
mesial-buccal, and distal-buccal restorations on anterior teeth will be
considered single surface restorations.
Retentive pins You are covered for up to 3 retentive pins (for amalgam and composite
fillings) per tooth.
Pre-fabricated metal This coverage is only available when a permanent crown is not being installed.
or plastic restorations You are covered for pre-fabricated metal or plastic restorations, including
stainless steel crown. Replacements must be separated by at least 36 months.
This procedure includes pulp cap, sedative base, local anaesthesia, occlusal
adjustment, removal of decay or existing restoration, and cementation of
crown.
Pit and fissure This is a coating put on top of any pits or cracks in teeth to prevent cavities
sealants from forming. Only children under 19 are covered for this treatment. A child is
covered for 1 treatment per permanent molar tooth.
Endodontics Endodontics is root canal therapy and root canal fillings, and treatment of
disease of the pulp tissue.
Root canal therapy. You are covered for 1 standard treatment per tooth every
5 years. This procedure includes treatment plan, pulp vitality test, opening and
drainage, local anaesthesia, tooth isolation, clinical procedure with appropriate
x-rays, relieving occlusion, smoothing tooth, and follow-up care. If root canal
therapy is performed on the same tooth by the same dentist within 3 months of
opening and drainage, pulpotomy or pulpectomy, the amount payable is
reduced by the amount previously paid for such opening and drainage,
pulpotomy or pulpectomy.
Apexification. This procedure includes treatment plan, local anaesthesia, tooth
isolation, clinical procedure with appropriate x-rays, placement of dentogenic
media, and follow-up care. You are only covered for permanent teeth.

Apicoectomy. This procedure includes treatment plan, local anaesthesia,

clinical procedure with appropriate x-rays, root resection, apical curettage, and
follow-up care.
Retrofilling. This procedure includes apicoectomy, curettage and root-end
filling.
Root amputation. This procedure includes recontouring tooth and furca.
Hemisection. You are covered for this procedure.
Vital pulpotomy. This procedure includes treatment plan, local anaesthesia,
clinical procedure and appropriate x-rays, and follow-up care.
Periodontics Periodontics is the treatment of bone and gum disease.
Definitive periodontal surgery. If you have surgery, coverage depends on
how many teeth are involved. You are covered for each type of surgery once
every 12 months on the same surgical site.
Definitive periodontal surgery includes local anaesthesia, management of
infection, surgical procedure, surgical dressing (packing), sutures, and post
surgical care. A surgical site is considered a sextant. The mouth is divided in 6
sextants. The allowance for fewer teeth may be prorated. Definitive periodontal
surgery includes the following procedures:
n gingival curettage – definitive surgical procedure performed by the
dentist under local anaesthesia. You are covered for 1 gingival curettage
per site every 12 months.
n gingivoplasty. You are covered for 1 gingivoplasty per site every 12
months.
n gingivectomy. You are covered for 1 gingivectomy per site every 12
months.
n flap approach. You are covered for 1 flap approach surgery per site
every 12 months.
n grafts – pedicle, free soft tissue, lateral sliding and rotated. This
procedure includes local anaesthesia, management of infection, surgical
procedure, surgical dressing (packing), sutures, and post surgical care.
You are covered for 1 graft per site every 12 months.

You are also covered for additional periodontal surgery which includes the
following procedures:
n distal wedge procedure. This procedure includes local anaesthesia,
management of infection, surgical procedure, surgical dressing
(packing), sutures, and post surgical care. A surgical site is considered a
sextant. You are covered for 1 distal wedge procedure per site every 12
months.
n treatment of periodontal abscess or pericoronitis. This procedure
includes lancing, scaling, curettage, medication, or surgery. You are
covered for 1 unit of 15 minutes per treatment and 2 units of 15 minutes
in any 12 month period.
You are also covered for related periodontal services which includes the
following procedures:
n provisional splinting. This procedure includes tooth preparation, acid
etch, wire replacement, acrylic or composite filling, occlusal adjustment,
and 3 month follow-up care. You are covered for 1 unit of 15 minutes
per joint. Replacements must be separated by at least 24 months.
n occlusal adjustment. You are covered for treatments to adjust your bite
for 1 unit of 15 minutes for each office visit and 2 units of 15 minutes in
any 12 month period. This treatment is only available when you have
gum surgery or temporomandibular joint (TMJ) treatment.
n periodontal appliance. Includes impression, insertion and adjustments
within 6 months of insertion. Replacements must be separated by at least
12 months. A periodontal appliance is used to treat gum disease.
n periodontal appliance adjustment or reline. You are covered for 1 unit of
15 minutes in any 12 month period.
Oral surgery Oral surgery includes local anaesthesia, removal of excess gingival tissue,
surgical service, control of hemorrhage, suturing, and post-operative treatment
and evaluation. A surgical site will be considered a sextant unless specified as
a quadrant.
n extraction of erupted tooth – uncomplicated. Limited if additional teeth
extracted in the same quadrant.

n extraction of erupted tooth – complicated. Limited if additional teeth

extracted in the same quadrant. Surgery requires surgical flap or
sectioning of the tooth.
n extraction of impacted tooth – soft tissue impaction. Limited if
additional teeth extracted in the same quadrant. Surgery requires
removal of overlying soft tissue and extraction of impacted tooth.
n extraction of impacted tooth – partial bone impaction. Limited if
removal of overlying soft tissue, evaluation of flap, and either removal
of bone and tooth or sectioning and removal of tooth.
n extraction of impacted tooth – complete bone impaction. Limited if
removal of overlying soft tissue, evaluation of flap, and removal of bone
and sectioning and removal of tooth.
n extraction of residual root. Limited if additional teeth extracted in the
same quadrant.
n surgical exposure of impacted tooth. Limited if additional teeth exposed
in the same quadrant.
n alveoloplasty. This procedure includes remodelling, excision, removal
and reduction of bone.
n other procedures: stomatoplasty, remodelling mouth floor,
vestibuloplasty, ridge reconstruction, and mucus fold extension; surgical
excision of tumours; surgical excision of cysts; surgical incision and
drainage; surgical removal of foreign body; repairs of lacerations;
frenectomy; salivary gland treatment; and antral surgery.
Related surgical You are covered for the following services only when you have eligible
services complicated oral surgery:
n anaesthesia, including pre-anaesthetic evaluation and post-anaesthetic
follow-up: general anaesthesia, deep sedation and provision of dental
and anaesthetic facilities, equipment and supplies.
n conscious sedation: inhalation technique, intravenous sedation,
intramuscular injections of sedative drugs; and combined techniques of
inhalation plus intravenous or intramuscular injections.
n therapeutic injections: administration of intramuscular drug injections.

Repairing, relining or Repairing dentures means fixing broken or damaged dentures. This procedure
rebasing dentures includes 6 month follow-up care.
Relining dentures means adding material so that the dentures fit properly.
Rebasing dentures means fitting dentures with a new base. You are covered for
1 reline or rebase in any 12 month period. These services include 6 month
follow-up care.
Major dental Your dental benefits include the following procedures used to treat major
procedures dental problems.
Inlays, onlays and Inlays and onlays are metal or porcelain fillings placed on the surface of the
gold foil restorations tooth. Inlays, onlays or gold foil restorations are only covered for teeth that
cannot be restored with a regular filling because of extensive incisal or cusp
damage. Replacements must be separated by at least 5 years.
Inlays and onlays include treatment planning, occlusal records, local

anaesthesia, removal of decay or old restoration, tooth preparation, pulp
protection, impressions, temporary services, insertion, occlusal adjustments,
and cementation. Inlays are only covered when x-rays indicate a crown will be
required. Onlays are limited to teeth with extensive incisal or cusp damage.
Gold foil restorations include treatment planning, local anaesthesia, removal of

decay or old restoration, tooth preparation, pulp protection, insertion, occlusal
adjustments, and gold material.
Crowns This procedure includes treatment planning, occlusal records, local

anaesthesia, subgingival preparation of the tooth and supporting structures,
removal of decay or old restoration, tooth preparation, pulp protection,
impressions, temporary services, insertion, occlusal adjustments, and
cementation. It does not include porcelain or porcelain fused to metal for molar
teeth. Crowns are only covered for teeth that cannot be restored with a regular
filling because of extensive incisal or cusp damage. Replacements must be
separated by at least 5 years.

Veneers Veneers are white facings put on the front of the tooth’s surface. Veneers are
only covered for teeth that cannot be restored with a regular filling as long as
they are not used primarily to improve appearance. Replacements must be
separated by at least 36 months.
Dentures Full dentures. Replacements must be separated by at least 5 years.
n standard dentures. This procedure includes treatment plan, initial and

final impressions, jaw relations records, try-in insertion, occlusal
equilibration, and follow-up care and adjustments for 6 months
following insertion.
n standard immediate dentures. This procedure includes treatment plan,

impressions, jaw relations records, tissue conditioner, insertion, occlusal
equilibration, and follow-up care and adjustments for 6 months
following insertion.
Partial dentures. Replacements must be separated by at least 5 years. This

procedure includes treatment plan, mouth preparation, initial and final
impressions, jaw relations records, connectors, rests, clasps, and bases,
framework try-in, try-in evaluation, insertion, occlusal equilibration, and
follow-up care and adjustments for 6 months following insertion.
Remake, partial denture. You are only covered when a replacement partial
denture would be covered.
Denture adjustments This procedure includes 6 month follow-up care.
Tissue conditioning You are covered for this procedure.
Fixed bridges The alternate benefit clause, outlined under General description of the
coverage, may be applied. We will only pay for the least expensive alternate
procedure when considering the cost of a bridge.
n initial bridges. Limited to teeth extracted while you are covered under
this plan.

n replacement bridges.
o limited to teeth extracted while you are covered under this plan
until you have been covered for 12 consecutive months.
o after you have been covered for 12 consecutive months,
replacement bridges are covered provided the existing bridges are
at least 10 years old.
This procedure includes treatment planning, occlusal records, local

anaesthesia, subgingival preparation of the tooth and supporting structures,
removal of decay or old restoration, tooth preparation, pulp protection,
impressions, temporary services, splinting and intraoral indexing for soldering
purposes, insertion, occlusal adjustments, and cementation. Does not include
porcelain or porcelain fused to metal abutments or pontics for molar teeth.
You are also covered for the following procedures:
n repairing fixed bridges.
n recementing fixed bridges.
TMJ treatment The hinge joint of the jaw is called the temporomandibular joint or TMJ. You
are covered for TMJ appliances, including a maximum of 2 TMJ x-rays in any
12 month period. You are not covered for appliances for tooth movement or
tooth guidance.
Miscellaneous n diagnostic casts – unmounted for prosthetic dentistry. You are covered
for 1 diagnostic cast every 36 months.
n retentive pins with inlays, onlays or crowns. This procedure is for the
retention and preservation of the tooth. You are covered for 3 pins per
tooth.
n retentive pins with fixed bridges. This procedure is for the retention and
preservation of the tooth. You are covered for 3 pins per tooth.
n cast metal post and core – custom made casting includes cast core. This
procedure is for teeth which have had root canal therapy. You are
covered for 1 post and core per tooth.

n prefabricated post, prefabricated post and core – manufactured metal

post – manufactured metal post and core. This procedure is for teeth
which have had root canal therapy. You are covered for 1 post and core
per tooth.
n amalgam and pin crown build-up, composite and pin crown build-up.
This procedure is for the retention and preservation of the tooth.
n repair of inlays, onlays or crowns.
n recement inlays, onlays or crowns. You are covered for 1 unit of 15

minutes per tooth every 6 months.
Orthodontic Your dental benefits include the following procedures used to treat misaligned
procedures or crooked teeth.
Only children under age 19 are covered for these procedures.
Coverage includes orthodontic examinations, including orthodontic diagnostic
services and fixed or removable appliances such as braces.
The following orthodontic procedures are covered:
n orthodontic examination. This procedure includes diagnostic casts,
complete radiograph series or panoramic film, cephalograms, facial and
intraoral photographs, consultations and case presentation.
n surgical exposure of impacted tooth. This procedure is covered for
orthodontic purposes.
n fixed or removable orthodontic appliances. This procedure includes
tooth movement or tooth guidance.
n orthodontic band splint.
When coverage ends Dental Care coverage will end when the employee retires or reaches age 75,
whichever is earlier.

Payments after If the Dental Care benefit terminates, you will still be covered for procedures
coverage ends to repair natural teeth damaged by an accidental blow if the accident occurred
while you were covered, and the procedure is performed within 6 months after
the date of the accident.
What is not covered We will not pay for services or supplies payable or available (regardless of any
waiting list) under any government-sponsored plan or program unless
explicitly listed as covered under this benefit.
We will only pay for a procedure that has a reasonably favourable prognosis in
the opinion of Sun Life.
We will not pay for:
n procedures performed primarily to improve appearance.
n the replacement of dental appliances that are lost, misplaced or stolen.
n charges for appointments that you do not keep.
n charges for completing claim forms.
n services or supplies for which no charge would have been made in the
absence of this coverage.
n supplies usually intended for sport or home use, for example,
mouthguards.
n procedures or supplies used in full mouth reconstructions (capping all of
the teeth in the mouth), vertical dimension corrections (changing the
way the teeth meet) including attrition (worn down teeth), alteration or
restoration of occlusion (building up and restoring the bite), or for the
purpose of prosthetic splinting (capping teeth and joining teeth together
to provide additional support).
n charges related to the temporomandibular joint (TMJ) treatment, except
otherwise indicated in the list of covered expenses.
n transplants, and repositioning of the jaw.
n experimental treatments.
We will also not pay for dental work resulting from:

n teeth malformed at birth or during development.

When and how to To make a claim, complete the claim form that is available from your employer
make a claim or on our Sun Life Financial Plan Member Services website at
www.mysunlife.ca. The dentist will have to complete a section of the form.
In order for you to receive benefits, we must receive the claim no later than:
n 365 days after the date you incur the expenses, or
n 90 days after the end of your Dental Care coverage, whichever is earlier.
We can require that you give us the dentist’s statement of the treatment
received, pre-treatment x-rays and any additional information that we consider
necessary.
Claims may be submitted electronically for some expenses. Please contact your
employer for more information.

Contract No. 188079 Long-Term Disability
Long-Term Disability
General description Long-Term Disability coverage provides a benefit to you if you are totally
of the coverage disabled. You qualify for this benefit if you provide proof of claim acceptable
to Sun Life that:
n you became totally disabled while covered, and
n you have been following appropriate treatment for the disability since its
onset.
For your Long-Term Disability coverage,
n during the elimination 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
n 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, we will consider you totally disabled for up to 12 months
after the end of the elimination period. You cannot be working other than in a
Sun Life approved partial disability or rehabilitation program.
Benefits are paid at the end of each month and are based on your coverage on
the date you became totally disabled.
If benefits are payable for part of any month, we will pay 1/30 of the monthly
benefit for each day for which you are entitled to a benefit payment.

Proof of good health Proof of good health is required for coverage in excess of $3,800, and any
increase in that coverage of 25% or more or $500, whichever is greater.
Coverage will not take effect before Sun Life approves the proof of good
health. There may also be other cases when you will be required to provide
proof of good health; please contact your employer for additional information
as it may impact the amount of your coverage.
When disability Your Long-Term Disability payments begin after you have been totally
payments begin disabled for an uninterrupted period of 4 months 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 elimination period.
If you become totally disabled during a lay-off or approved leave and your
coverage 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
4 months and still be totally disabled on the date you are recalled or scheduled
to return to full-time work with your employer.
What we will pay Here is how we calculate your Long-Term Disability payments. All references
to benefits and payments in this disability provision are to the gross amounts
before any deductions.
Step 1: We take 66.67% of your monthly basic earnings up to a maximum of

$9,000. For coverage in excess of the amount indicated under Proof of good
health, your coverage is subject to approval by Sun Life. Refer to Proof of
good health above for further information.
Step 2: We subtract any benefits or payments provided to you:

n for the same or a subsequent disability under any government-sponsored
plan, such as the Canada Pension Plan and the Québec Pension Plan
excluding all benefits or payments on behalf of a dependent,
employment insurance benefits and automatic cost-of-living increases
under any government-sponsored plan that occur after benefits begin.
n for the same or a subsequent disability under any Workers’
Compensation Act or similar law, excluding automatic cost-of-living
increases that occur after benefits begin.

n under a motor vehicle insurance plan which provides disability benefits

or payments to the extent that the law does not prohibit such a deduction.
n under a group plan, including any coverage resulting from your
membership in an association of any kind but excluding any benefits or
payments provided under a Critical Illness plan.
n 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.
n under the Québec Parental Insurance Plan.
The result from Step 2 is the amount you will normally receive.
If this amount plus the above sources of benefits and payments and all the
additional sources of benefits and payments listed below exceeds 80% of your
pre-disability basic earnings, we will reduce your Long-Term Disability
payment by the excess. If your benefit is non-taxable, the maximum will be
80% of your pre-disability basic earnings after income tax.
Additional sources of benefits and payments are those provided:

n under any Workers’ Compensation Act or similar law for another
disability, excluding any automatic cost-of-living increases that occur
after benefits begin.
n under any Criminal Injuries Compensation Act or similar law, where
allowed by law.
If you are eligible for any of the benefits or payments described above and do
not apply for them, we will still consider them. We can estimate those benefits
and payments and use them when we calculate your Long-Term Disability
payments.
If any of the benefits or payments described above are provided in a lump sum,
we will determine the equivalent compensation this represents on a monthly
basis using generally accepted accounting principles.
We will not take into account any benefits or payments that began before your
disability began. However, increases in those benefits or payments as a result
of your disability will be taken into account.
We have the right to adjust your Long-Term Disability benefit payments when
appropriate under the above provision.

Maternity / parental Maternity leave agreed to with your employer will begin on the date you and
leave of absence 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 4 months, provided your
coverage 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 You may be required to participate in a partial disability program approved by
program 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, the total of any income, benefits and
payments provided from all sources cannot exceed 100% of your pre-disability
basic earnings, indexed for inflation (less provincial and federal income taxes
if your benefit is non-taxable). 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 You may be required to participate in a rehabilitation program approved by
program Sun Life in writing.
It may include the involvement of our 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 an employee. We will consider such factors as financial considerations and
our opinion on the merits of rehabilitation.
During your rehabilitation program, you may receive your Long-Term
Disability payments plus income, benefits and payments from other sources.
However, if during any month the total of any income, benefits and payments
provided is more than 100% of your pre-disability basic earnings, indexed for
inflation (less provincial and federal income taxes if your benefit is
non-taxable), 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 elimination period, it will not be considered an interruption of the
elimination period.
Interrupted periods Interrupted periods of total disability due to the same or related causes
of disability during occurring before the elimination period has been completed are treated as one
elimination period period of disability and are accumulated to complete the elimination period as
long as this benefit is in force and all of the following conditions are met:
n the initial period of total disability lasts for at least 30 days without
interruption.
n afterwards, there is no interruption of more than 30 days.
n each period of total disability is completed within 12 months after the
start of the elimination period, or as approved by Sun Life in advance in
cases where the elimination 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 elimination period.

If the Long-Term Disability benefit terminates, any balance of the elimination

period must subsequently be completed by uninterrupted total disability.
Interrupted periods If you had a total disability for which we paid Long-Term Disability benefits
of disability after and total disability occurs again due to the same or related causes, we will
payments begin consider it a continuation of your previous disability if it occurs within 6
months of the end of your previous disability. You must be covered when total
disability reoccurs.
These benefits will be based on your coverage as it existed on the original date
of total disability.
If you recover We have the right to part of any money you recover through legal action or
damages from settlement from another person, organization or company who caused your
another person disability.
If you decide to take legal action, you must comply with the applicable terms
of the group contract concerning legal action.
If you recover money, you must pay us 75% of your net recovery or the total
disability benefits paid or payable to you under this plan, whichever is less.
Your net recovery does not include your legal costs. Seventy-five percent of
your net recovery must be held in trust until it is paid to us.
We have the right to withhold or discontinue disability payments if you refuse
or fail to comply with any of these terms.
Your responsibilities During your total disability, you must make reasonable efforts to:
n recover from your disability, including participating in any reasonable
treatment or rehabilitation program and accepting any reasonable offer
of modified duties from your employer.
n return to your own occupation during the first 24 months that benefits
are payable.
n 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.
n try to obtain work in another occupation after the first 24 months that
benefits are payable.
n obtain benefits that may be available from other sources.

If you do not, Sun Life may hold back or discontinue benefits.

When payments end Your Long-Term Disability payments end on the earlier of the following dates:
n the date you are no longer totally disabled.
n the last day of the month in which you reach age 65.
n 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.
n the last day of the month in which you die.
When coverage ends Long-Term Disability coverage will end on the day you reach age 65 less the
elimination period of 4 months or the day you retire, whichever is earlier.
Payments after If the Long-Term Disability benefit terminates while you are totally disabled,
coverage ends you are entitled to continue receiving payments, as long as your total disability
is uninterrupted, as if the benefit were still in effect.
What is not covered We will not pay benefits for any period:
n you are not receiving appropriate treatment.
n that you do any work for wage or profit except as approved by Sun Life.
n you are not participating in an approved partial disability or
rehabilitation program, if required by Sun Life.
n 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.
n 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.
n you are serving a prison sentence or are confined in a similar institution.
We do not pay benefits if your disability results directly or indirectly from a
condition which existed on or before the date your coverage began. However,
this limitation will not apply to you if:

n you have been covered for Long-Term Disability with your employer for
at least 13 weeks during which you have been actively working
continuously (up to 3 days of absence does not count) and you have not
been treated by a doctor, or any medical personnel under the direction of
a doctor, for the condition, or
n you became totally disabled more than 12 months after your coverage
began.
If your coverage ends but you are covered again under this plan, we will use
the latest date your coverage began when applying the above limitation.
We will not pay benefits for total disability resulting from:
n intentionally self-inflicted injuries.

Waiver of premium Long-Term Disability premiums will be waived while you are receiving
Long-Term Disability benefits.
When and how to In order to avoid delays in processing, we encourage you to submit your claim
make a claim 8 weeks prior to the completion of your elimination period.
To make a claim, claim forms that are available from your employer must be
completed. You, the attending doctor and your employer will have to complete
claim forms.
In order to receive benefits, we must receive these forms no later than 90 days
after the end of the elimination period. In any event, we must receive notice of
claim within 30 days of the termination of this Long-Term Disability benefit.
We will assess the claim and send you or your employer a letter outlining our
decision.
From time to time, Sun Life can require that you provide us with proof of your
total disability. If you do not provide this information within 90 days of this
request, you will not be entitled to benefits.

Contract No. 188079 Critical Illness
Critical Illness
General description Critical Illness coverage provides a benefit if, after the effective date of
of the coverage coverage, and while coverage is in force, you have a diagnosis of a covered
condition, or you have surgery for a covered condition, as indicated below
under What we will pay.
To qualify for this coverage you must be a resident of Canada.
Critical Illness
coverage for you
Coverage The amount of coverage is $50,000.
Proof of good health is required for coverage in excess of $25,000. For any
coverage that requires proof of good health, coverage will not take effect
before Sun Life approves the proof of good health.
Coverage ends Your coverage will end when you retire or reach age 70, whichever is earlier.
In addition, your coverage will end on the date a Critical Illness benefit is paid
for a covered condition which you sustain.
What we will pay We will pay the Critical Illness benefit if, after the effective date of coverage,
and while coverage is in force, you have a diagnosis of a covered condition, or
you have surgery for a covered condition, subject to the survival period.
Claims will be assessed based on the Critical Illness provisions in effect on the
date of diagnosis or surgery.
The Critical Illness benefit is payable only on the first covered condition for
which a diagnosis is effective, or surgery is performed, and the person’s
coverage then terminates. Such person may not become covered again under
this benefit.

We reserve the right to require examination of the covered person and

confirmation of any diagnosis of or surgery for any covered condition, by a
medical practitioner appointed by us in order for any Critical Illness benefit to
become payable.
Diagnosis Diagnosis means a written diagnosis by a physician or specialist physician,

licensed and practicing in Canada, of the covered condition. Any diagnosis
must be made while coverage is in force and will be effective as of the date it
is established by the physician or specialist physician, as supported by the
covered person’s medical records. Any diagnosis of a covered condition that
was made prior to the effective date of coverage will not be covered.
Life Support Life support means the covered person is under the regular care of a licensed
physician or specialist physician for nutritional, respiratory and/or
cardiovascular support when irreversible cessation of all functions of the brain
has occurred.
Physician Physician means a legally and professionally qualified medical practitioner

practicing in Canada. The physician providing the diagnosis or treating the
covered person must not be the covered person, a relative of the covered
person, or a person who normally resides in the covered person’s household.
Specialist physician Specialist physician means a licensed medical practitioner who has been
trained in the specific area of medicine relevant to the covered critical illness
condition for which a benefit is being claimed, and who has been certified by a
speciality examining board. In the absence or unavailability of a specialist
physician, and as approved by Sun Life, a condition may be diagnosed by a
qualified medical practitioner practicing in Canada. The specialist physician
providing the diagnosis or treating the covered person must not be the covered
person, a relative of the covered person, or a person who normally resides in
the covered person’s household.
Surgery Surgery means a medical operation performed on the covered person and
recommended by a physician or specialist physician, licensed and practicing in
Canada.

Survival period Survival period means the period starting on the date of diagnosis of the
critical condition and ending 30 days following the date of diagnosis of the
critical condition, unless a covered condition described below expressly
modifies this definition. The survival period does not include the number of
days on life support. The covered person must be alive at the end of the
survival period and must not have experienced irreversible cessation of all
functions of the brain.
Who we will pay The Critical Illness benefit is payable to you or, in the event of your death, to
your estate.
Changes in coverage Changes in the amount of coverage or covered conditions may occur as the
result of an employment status change or a change in plan design.
Changes in the If you are not actively working on the date a change occurs, refer to Changes
amount of coverage affecting your coverage in the General Information section to understand the
effective date of any change to the amount of Critical Illness coverage.
The Pre-existing conditions provision under What is not covered will apply to
increased amounts of coverage as described in that provision.
Other changes If new Critical Illness conditions are added to this plan, the new Critical Illness
conditions will only apply to :
n employees who are actively working; and
n employees already having Critical Illness coverage
on the date that the change occurs. The effective date of coverage for the new
covered conditions is the date of the change to the plan.
If you are not actively working when the change occurs, the change will take
effect when you return to active work and such date will be your effective date
of coverage for the new covered conditions.
In all instances, we will :
n apply the effective date of coverage to determine your eligibility for a

Critical Illness benefit payment; and

n apply the effective date of coverage for the new covered conditions to
any exclusions or limitations under this plan, including the Pre-existing
conditions provision. Such exclusions and limitations will be applied to
the new covered conditions even if the explicit wording of this plan
provides otherwise, including where proof of good health was previously
required for your coverage.
If the definition of a Critical Illness condition is changed, we will adjudicate

any claim for a Critical Illness benefit based on the definition of that Critical
Illness condition in effect on the date of the diagnosis or surgery, regardless of
whether you were actively working on the date of the change.
In the event of a change of carrier, the following rules apply to any employee
who was covered under the previous group contract on the date immediately
preceding the effective date of coverage under this plan:
n the new plan, including coverage for any new Critical Illness conditions
which were not included under the previous carrier’s plan, applies to all
employees on the effective date of this plan, regardless of whether the
employee is actively working on such date;
n for any new Critical Illness conditions referred to above, when applying
the Pre-existing conditions provision or any other exclusion or
limitations of this plan, the effective date of coverage is the effective
date of this plan; and
n for Critical Illness conditions under this plan which were also covered
under the previous carrier’s plan, when applying the Pre-existing
conditions provision or any other exclusion or limitation of this plan, the
effective date of coverage is the date the employee most recently became
covered under the previous carrier’s plan.
If an employee received a Critical Illness benefit payment under the previous

carrier’s plan, then such employee will not be covered under this plan for that
Critical Illness condition for which a benefit payment was already made.
Sun Life is not responsible for any claim where the date of diagnosis or
surgery, as applicable, is before the effective date of this plan.

Covered conditions We provide coverage for any illness, disorder or surgery that is defined below:
Cancer Cancer (Life-threatening) means a definite diagnosis of a tumour, which must

(Life-threatening) be characterized by the uncontrolled growth and spread of malignant cells and
the invasion of tissue. Types of cancer include carcinoma, melanoma,
leukemia, lymphoma, and sarcoma.
The diagnosis of cancer must be made by a specialist physician. The covered

person must survive for 30 days following the date of diagnosis.
Exclusions:
No benefit will be payable for a recurrence or metastasis of an original cancer

which was diagnosed prior to the effective date of coverage.
No benefit will be payable under this condition for the following:
n lesions described as benign, pre-malignant, uncertain, borderline,

non-invasive, carcinoma in-situ (Tis), or tumours classified as Ta;
n malignant melanoma skin cancer that is less than or equal to 1.0 mm in

thickness, unless it is ulcerated or is accompanied by lymph node or
distant metastasis;
n any non-melanoma skin cancer, without lymph node or distant

metastasis;
n prostate cancer classified as T1a or T1b, without lymph node or distant

metastasis;
n papillary thyroid cancer or follicular thyroid cancer, or both, that is less

than or equal to 2.0 cm in greatest diameter and classified as T1, without
lymph node or distant metastasis;
n chronic lymphocytic leukemia classified less than Rai stage 1; or
n malignant gastrointestinal stromal tumours (GIST) and malignant

carcinoid tumours, classified less than AJCC Stage 2.
Moratorium Period Exclusion:
If, within 90 days following the later of:

n the date a person enrols for any amount of coverage; or
n the effective date of such amount of coverage,
the covered person has any of the following:
n signs, symptoms or investigations that lead to a diagnosis of cancer

(covered or excluded under this coverage), regardless of when the
diagnosis is made; or
n a diagnosis of cancer (covered or excluded under this coverage),
no benefit will be payable for cancer for such amount of coverage. In addition,
if the person subsequently becomes covered for additional amounts of
coverage, no benefit will be payable for cancer for those additional amounts.
All other coverage remains in force.
The information described above must be reported to Sun Life within 6 months
of the date of diagnosis. If this information is not provided, Sun Life has the
right to deny any claim for cancer or any critical illness caused by any cancer
or its treatment.
If a person’s Critical Illness coverage ends but the person is covered again
under this benefit, Sun Life will use the latest date the person’s coverage began
when applying the Moratorium Period Exclusion.
For the purposes of this benefit, the terms Tis, Ta, T1a, T1b, T1 and AJCC
Stage 2 are to be applied as defined in the American Joint Committee on
Cancer (AJCC) cancer staging manual, 7th Edition, 2010.
For the purposes of this benefit, the term Rai staging is to be applied as set out
in KR Rai, A Sawitsky, EP Cronkite, AD Chanana, RN Levy and BS
Pasternack: Clinical staging of chronic lymphocytic leukemia. Blood 46:219,
1975.
Heart Attack Heart Attack means a definite diagnosis of the death of heart muscle due to
obstruction of blood flow that results in a rise and fall of biochemical cardiac
markers to levels considered diagnostic of myocardial infarction, with at least
one of the following:

n heart attack symptoms;
n new electrocardiogram (ECG) changes consistent with a heart attack; or
n development of new Q waves during or immediately following an

intra-arterial cardiac procedure including, but not limited to, coronary
angiography and coronary angioplasty.
The diagnosis of heart attack must be made by a specialist physician. The

covered person must survive for 30 days following the date of diagnosis.
Exclusions:
No benefit will be payable under this condition for:
n elevated biochemical cardiac markers as a result of an intra-arterial

cardiac procedure including, but not limited to, coronary angiography
and coronary angioplasty, in the absence of new Q waves; or
n ECG changes suggesting a prior myocardial infarction, which do not

meet the heart attack definition as described above.
Stroke Stroke (Cerebrovascular Accident) means a definite diagnosis of an acute

(Cerebrovascular cerebrovascular event caused by intra-cranial thrombosis or haemorrhage, or
Accident) embolism from an extra-cranial source, with:
n acute onset of new neurological symptoms; and
n new objective neurological deficits on clinical examination,
persisting for more than 30 days following the date of diagnosis.
These new symptoms and deficits must be corroborated by diagnostic imaging

testing.
The diagnosis of stroke must be made by a specialist physician. The covered

person must survive for 30 days following the date of diagnosis.
Exclusions:
No benefit will be payable under this condition for:

n transient ischaemic attacks;
n intracerebral vascular events due to trauma; or
n lacunar infarcts which do not meet the definition of stroke as described

above.
What is not covered We will not pay for any illness, disorder or surgery not specifically defined
under Covered conditions.
No benefits are payable for claims resulting directly or indirectly from any of
the following:
n intentionally self-inflicted injuries or attempted suicide, regardless of

whether the person has a mental illness or intends or understands the
consequences of their actions.

n use of illegal or illicit drugs or substances, misuse of drugs or alcohol.
No cancer coverage of any type is provided if a diagnosis of cancer is made, or

any symptom or medical problem which initiated the investigation leading to a
diagnosis of cancer commenced within 90 days following the effective date of
the covered person’s coverage under this benefit. However, coverage under all
other covered conditions continues in force.
Pre-existing For any amount of coverage that:

conditions
n did not require proof of good health; and
n has been in effect for less than 12 months under the employer’s Critical
Illness plan,
no benefits are payable for any covered condition that results from any injury,
sickness or medical condition (whether or not diagnosed) for which the
covered person, during the 12 months prior to the effective date of such
amount of coverage:

n had signs, symptoms, consulted a physician or other health care

practitioner; or
n was provided any health-related care, advice or treatment; or
n would have consulted a physician or other health care practitioner, acting

as a reasonably prudent person with such injury, sickness, medical
condition, signs or symptoms.
If coverage ends but the person is covered again under this benefit, we will use
the latest date the person’s coverage began when applying the above limitation.
Portability If your Critical Illness coverage ends for any reason other than your request,
you may apply to transfer the group Critical Illness coverage to another critical
illness policy without providing proof of good health.
The request must be made within 60 days of the end of the Critical Illness
coverage.
There are a number of rules and conditions in the group contract that apply to
the portability of this coverage, including the maximum amount that can be
transferred. Please contact your employer for details.
When and how to We must receive notice of claim as soon as reasonably possible after the date
make a claim of diagnosis or surgery. We will provide the claimant with the appropriate
claim forms on receipt of notice. Initial notice must be received no later than
30 days and proof of claim no later than 90 days from the date of diagnosis or
surgery.
Failure to give notice of claim or furnish proof of claim within the above time
limits does not invalidate the claim if the notice or proof is given or furnished
as soon as reasonably possible, and in no event later than one year from the
date of diagnosis or surgery if it is shown that it was not reasonably possible to
give notice or furnish proof within the above time limits.

Contract No. 188079 Life Coverage
Life Coverage
General description Your Life coverage provides a benefit for your beneficiary if you die while
of the coverage covered. Your dependents’ Life coverage provides a benefit if one of your
dependents dies while covered.
Proof of good health is required as indicated under Proof of good health below.
There are other cases when you will be required to provide proof of good
health when you request coverage for yourself or your dependents, or an
increase in coverage. Contact your employer to know when this is necessary as
it may impact the amount of your coverage.
Life coverage for
you
Amount Your Life benefit is 2 times your annual basic earnings, rounded to the next
higher $1,000. The maximum amount of coverage is $500,000. The minimum
amount of coverage is $20,000.
Proof of good health Proof of good health is required for coverage in excess of $200,000, and any
increase in that coverage of 25% or more or $25,000, whichever is greater.
Coverage will not take effect before Sun Life approves the proof of good
health.
Reduction When you reach age 65, your benefit will reduce to 50% of the above amount.
When you reach age 70, your benefit will be further reduced by 50%. The
maximum benefit will be $25,000
If you continue, or begin, to work after having reached age 65, we calculate the
amount for which you would have been eligible if you had not already reached
age 65, and it is that amount that will be used to determine if you have to
submit proof of good health; then, we apply the above reduction clause to
calculate the amount for which you are eligible.
Life coverage for
your dependents
Amount Your spouse’s benefit is $10,000. Your children’s benefit is $5,000 per child.

Coverage ends Coverage for your dependents will end when you retire or reach age 71,
whichever is earlier. Coverage may also end on an earlier date, as specified in
General Information.
Who we will pay If you die while covered, Sun Life will pay the full amount of your benefit to
your last named beneficiary on file with Sun Life.
If you have not named a beneficiary or if the beneficiary has died, the benefit
amount will be paid to your estate. Anyone can be your beneficiary. You can
change your beneficiary at any time, unless a law prevents you from doing so
or you indicate that the beneficiary is not to be changed.
If a dependent dies, Sun Life will pay you the benefit for that dependent.
A minor cannot personally receive a death benefit under the plan until reaching
the age of majority. If you reside outside Québec and desire to designate a
minor as your beneficiary, you may wish to designate someone else to receive
the death benefit in trust for the minor. If a trustee is not designated, applicable
legislation may require that a death benefit payable to a minor be paid instead
to a court, or guardian or public trustee. If you reside in Québec and have
designated a minor as beneficiary, the death benefit will be paid to the
parent(s)/legal guardian of the minor on the minor’s behalf. Alternatively (and
regardless of whether you reside outside or in Québec), you may wish to
consider designating your estate as beneficiary and provide the executor(s)
with directions in your will as to the entitlement of the minor. You are
encouraged to consult a legal advisor.
Coverage during If you become totally disabled before you retire or reach age 65, whichever is
total disability earlier, Life coverage for you and your dependents may continue without the
payment of premiums as long as you are totally disabled. This continued
coverage is subject to the terms of the contract which were in effect on the date
you became totally disabled, including reductions and terminations. In
addition, this continued coverage for your dependents terminates on the date
the benefit under which the dependent is covered terminates.
Sun Life must receive proof of your total disability within 12 months of the
date the disability begins. After that, we can require ongoing proof that you are
still totally disabled.

If proof of total disability is approved after an individual insurance policy

becomes effective as a result of converting the group Life coverage, the group
Life coverage will be reduced by the amount of the individual insurance
policy, unless the individual insurance policy is exchanged for a refund of
premiums.
Total disability must continue for:
n an uninterrupted period of 6 months, or
n the elimination period for Long-Term Disability if you are entitled to
Long-Term Disability payments, whichever is shorter.
This coverage will continue without payment of premiums, from the date total
disability begins, until the date you cease to be totally disabled or the date you
fail to give Sun Life proof of your continued total disability, whichever is
earlier.
For the purposes of your Life coverage, you will be considered totally disabled
if you are prevented by illness from performing any occupation you are or may
become reasonably qualified for by education, training or experience.
However, if you are totally disabled under the Long-Term Disability benefit,
you are also considered to be totally disabled under the Life benefit.
Retirement Date If you are totally disabled, your retirement date is your 65th birthday, unless
you have actually retired before then.
Converting Life If your Life coverage ends or reduces for any reason other than your request,
coverage you may apply to convert the group Life coverage to an individual Life policy
with Sun Life without providing proof of good health.
If your spouse’s Life coverage ends for any reason other than your request,
your spouse may apply to convert the group Life coverage to an individual Life
policy with Sun Life without providing proof of good health.
Where necessary in order to comply with applicable legislation: If your child’s
Life coverage ends due to the termination of your Life coverage, you may
apply to convert the group Life coverage for your child to an individual Life
policy with Sun Life without providing proof of good health.
The request must be made within 31 days of the reduction or end of the Life
coverage.

converting this coverage, including the maximum amount that can be
converted. Please contact your employer for details.
When and how to Claims for Life benefits must be made as soon as reasonably possible. Claim
make a claim forms are available from your employer.

Contract No. 188079 Accidental Death and Dismemberment
Accidental Death and Dismemberment

General description Accidental Death and Dismemberment coverage provides benefits if, due to an
of the coverage accident occurring while covered, you die or suffer any of the losses listed in
the table under What we will pay. Any death benefit paid under this coverage is
in addition to the Life coverage.
Accidental coverage
for you
Amount The amount of your Accidental Death and Dismemberment coverage is equal
to the amount of your Life coverage.
What we will pay We will pay for this benefit if you:
n accidentally drown.
n disappear in an accident while travelling. This only applies if the means
of transportation disappears, sinks, is wrecked, forced to land or stranded
and the body is not found within one year. There must be no evidence
that you are still alive.
n are in an accident or exposed to the elements and, as a direct result, you
suffer one of the losses listed below within one year of that accident or
exposure.
The amount that we will pay is a percentage of the Accidental Death and
Dismemberment coverage. The percentage depends on the loss suffered. The
following table shows the percentages we use to determine the payment.
TABLE OF LOSSES
Loss of life 100%

Loss of both arms or both legs 100%
Loss of both hands or both feet 100%
Loss of one hand and one foot 100%
Loss of one hand or one foot, and entire sight of one eye 100%

Loss of one arm or one leg 75%

Loss of one hand or one foot 75%
Loss of four fingers on the same hand 33 1/3%
Loss of thumb and index finger on the same hand 33 1/3%
Loss of four toes on the same foot 25%
Loss of use of both arms or both legs 100%

Loss of use of both hands or both feet 100%
Loss of use of one arm or one leg 75%

Loss of use of one hand or one foot 75%
Loss of entire sight of both eyes 100%

Loss of speech and loss of hearing in both ears 100%
Loss of entire sight of one eye 75%

Loss of speech 75%
Loss of hearing in both ears 75%
Loss of hearing in one ear 25%
Quadriplegia 200%
Paraplegia 200%
Hemiplegia 200%
Only the largest percentage is paid for injuries to the same limb resulting from
the same accident. We will not pay more than 100% of the amount of coverage
if an accident results in more than one loss. This does not include quadriplegia,
paraplegia or hemiplegia, where we will pay a maximum of 200%.
Loss of an arm means that it was severed at or above the elbow. Loss of a hand
means that it was severed at or above the wrist. Loss of a leg means that it was
severed at or above the knee. Loss of a foot means that it was severed at or
above the ankle. Loss of a thumb, finger or toe means that it was severed at or
above the first joint from the hand or foot. Loss of sight, speech or hearing
must be total and permanent.
Loss of use must be total and must have continued for at least one year. Before
we pay the benefit, you must provide proof that the loss is permanent.
Limit on benefit If more than one person covered by the group contract is eligible for benefits
amounts resulting from the same accident, Sun Life will pay up to a maximum of
$3,000,000 for all claims related to the accident.

If the total amount of benefits payable for the accident is more than
$3,000,000, then we will pay for each person a percentage of the $3,000,000
that is equal to the percentage the person would have received of the total
payable.
Repatriation benefit If you die as a direct result of an accident 100 kilometres or more from home,
we will pay up to $10,000 for the preparation and transportation of the body
for burial or cremation. We will pay the usual and reasonable expenses for this
service. We will not pay for this service to the extent that it is reimbursed from
other sources or covered under another benefit of this plan.
We may pay this benefit to any person who paid for the repatriation or has a
claim for repatriation expenses against your estate. As long as this payment is
made in good faith, Sun Life will be fully discharged to the extent of the
payment.
Rehabilitation If you suffer a loss, other than a loss of life, we will pay up to $10,000 of your
program rehabilitation expenses. We will only pay for the usual and reasonable
expenses connected with a rehabilitation program. This does not include
ordinary living expenses such as room, board, travelling or clothing.
We must approve the rehabilitation program and the expenses must be incurred
within 3 years of the accident and while you are covered for this benefit. We
will not pay for this service to the extent that it is reimbursed from other
sources or covered under another benefit of this plan.
Our approval of the rehabilitation program will be based on the likelihood that
it will be successful. The rehabilitation will be made up of training required,
because of the loss, to prepare you for a new occupation.
Spouse occupational If you die as a direct result of an accident, we will pay up to $5,000 to your
training benefit spouse for occupational training. The training must be for a job that your
spouse was not previously qualified for. We will only pay for the usual and
reasonable expenses connected with an occupational training program. This
does not include ordinary living expenses such as room, board, travelling or
clothing.
We must approve the expenses and all expenses must be incurred within 3
years of the date of the accident. We will not pay for this service to the extent
that it is reimbursed from other sources or covered under another benefit of this
plan.
Our approval of the training program will be based on the likelihood that it will
be successful.

Child education If you die as a direct result of an accident, we will pay for a dependent child’s
benefit tuition fees in a post-secondary school. We will pay the child 5% of the
amount of coverage up to $5,000, each year up to a maximum of 4 years. The
child must enrol as a full-time student within one year of your death.
We will only pay for the usual and reasonable tuition expenses. This does not
include ordinary living expenses such as room, board, travelling or clothing.
This also does not include education expenses incurred prior to your death.
Family If you suffer a loss as a direct result of an accident and are hospitalized at least
transportation 150 kilometres from home, we will pay up to $5,000 for the usual and
benefit reasonable cost of hotel accommodations close to the hospital while you are
hospitalized and for the travel expenses of an immediate family member. An
immediate family member means a spouse, parent, child, brother or sister.
We will only pay for the usual and reasonable travel expenses. We will pay for
car travel at a rate of $0.20 per kilometre. Transportation must be by the most
direct route to and from the hospital. We will not pay for this service to the
extent that it is reimbursed from other sources or covered under another benefit
of this plan.
Coverage during If you become totally disabled while covered and premiums are no longer
total disability payable for Life coverage, your Accidental Death and Dismemberment
coverage will continue without the payment of premiums, but not beyond age
65, for as long as premiums are not payable for your Life coverage.
Any amount of coverage continued is subject to the terms of this group plan
when total disability began.
What is not covered We will not pay for losses that are the result of:
n self-inflicted injuries, by firearm or otherwise.
n a drug overdose.
n carbon monoxide inhalation.
n attempted suicide or suicide, regardless of whether the person has a

mental illness or intends or understands the consequences of their
actions.
n flying in, descending from or being exposed to any hazard related to an

aircraft while
o receiving flying lessons.

o performing any duties in connection with the aircraft.

o being flown for a parachute jump.
o a member of the armed forces if the aircraft is under the control of
or chartered by the armed forces.
n full-time service in the armed forces of any country.
Converting coverage If your Accidental Death and Dismemberment coverage ends or reduces, for
any reason other than your request, and if you apply to convert your group Life
coverage to an individual Life policy, you may also apply at that time to have
an Accidental Death benefit attached to the individual Life policy. The amount
of this Accidental Death benefit cannot be more than the amount of Life
coverage you are converting.
converting this coverage, including the maximum amount that can be
converted. Please contact your employer for details.
When and how to For any loss other than death, the claim must be received by Sun Life within
make a claim one year after the loss.
If the claim is the result of a death, the claim should be made as soon as
possible after the death occurred.
Claim forms are available from your employer.

Respecting your privacy
Respecting your privacy is a priority for the Sun Life Financial group of companies. We keep in
confidence personal information about you and the products and services you have with us to
provide you with investment, retirement and insurance products and services to help you meet
your lifetime financial objectives. To meet these objectives, we collect, use and disclose your
personal information for purposes that include: underwriting; administration; claims adjudication;
protecting against fraud, errors or misrepresentations; meeting legal, regulatory or contractual
requirements; and we may tell you about other related products and services that we believe meet
your changing needs. The only people who have access to your personal information are our
employees, distribution partners such as advisors, and third-party service providers, along with our
reinsurers. We will also provide access to anyone else you authorize. Sometimes, unless we are
otherwise prohibited, these people may be in countries outside Canada, so your personal
information may be subject to the laws of those countries. You can ask for the information in our
files about you and, if necessary, ask us in writing to correct it. To find out more about our privacy
practices, visit www.sunlife.ca/privacy .
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
1-877-SUN-LIFE (1-877-786-5433).

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Cement Association of Canada

All other employees

Contract Number 188079

General Information ............................................................................................6

Extended Health Care .......................................................................................15

Effective September 1, 2018 i

Emergency Travel Assistance ...........................................................................27

Dental Care .........................................................................................................32

Long-Term Disability ........................................................................................46

Effective September 1, 2018 ii

What we will pay .................................................................................................54

Life Coverage .....................................................................................................63

Accidental Death and Dismemberment ...........................................................67

Effective September 1, 2018 iii

Extended Health Care

Effective September 1, 2018 (A) 1

Effective September 1, 2018 (A) 2

Effective September 1, 2018 (A) 3

Critical Illness – Contract No. 132801

Employee Critical Illness

Proof of good health Approval required for coverage in excess of $25,000

Termination When you retire or reach age 70, whichever is earlier

Termination When you retire or reach age 71, whichever is earlier

Effective September 1, 2018 (A) 4

Accidental Death and Dismemberment

Employee Accidental Death and Dismemberment

Effective September 1, 2018 (A) 5

n you are a permanent employee working in Canada other than a chief

Effective September 1, 2018 (A) 6

A child who is a full-time student attending an educational institution

Effective September 1, 2018 (A) 7

Effective September 1, 2018 (A) 8

Once you have dependent coverage, any subsequent dependents will be

Effective September 1, 2018 (A) 9

Effective September 1, 2018 (A) 10

All claims must be made in writing on forms approved by Sun Life.

Effective September 1, 2018 (A) 11

Legal actions Limitation period for Ontario:

Effective September 1, 2018 (A) 12

o the plan where the person is covered as an active full-time

Effective September 1, 2018 (A) 13

Assignments For Life benefits, no rights or interests can be assigned.

Effective September 1, 2018 (A) 14

Extended Health Care

Medically necessary means generally recognized by the Canadian medical

n drugs that legally require a prescription.

Effective September 1, 2018 (A) 15

n compounded preparations, provided that the principal active ingredient

Effective September 1, 2018 (A) 16

n drugs that receive Health Canada Notice of Compliance for an initial or

n drugs covered under this plan and subject to a significant increase in

n comparative analysis of the drug cost and its clinical effectiveness.

n recommendations by health technology assessment organizations and

n availability of other drugs treating the same or similar conditions(s).

In order for drugs in the PA program to be covered, you need to provide

Effective September 1, 2018 (A) 17

n Health Canada Product Monograph.

n recognized clinical guidelines.

n comparative analysis of the drug cost and its clinical effectiveness.