Contract Number: 103675, 153675, AB10555501 and 82290

Effective: January 1, 2023

Issued: January 4, 2023

Le Groupe Gesfor Poirier, Pinchin Inc.

Gesfor Poirier Regular Employees
Table of Contents
How to Connect with Sun Life Financial 3

Benefit Summary 5

Making Claims 9

General Information 11

Extended Health Care 16

Emergency Travel Assistance 25

Dental Care 29

Life Coverage 32

Basic Accidental Death & Dismemberment Insurance 34

Long-Term Disability 41

Your Group Benefits (D) 2

How to Connect with Sun Life Financial
Questions?
We’re here to help. Talk to a Sun Life Financial Customer Care representative for assistance with your coverage by
calling toll-free at 1-800-361-6212.

For faster service, have your group contract number and member ID ready to enter into our automated telephone
system.

Plan Member Services

Download the my Sun Life Mobile App!
• Free from the Apple App Store or Google Play, anytime
• Fast and easy access, wherever you go, to your benefit information
• View and/or submit mobile claims instantly, depending on your plan
Don’t have a smartphone? Visit www.mysunlife.ca to obtain the following services:
• benefit information about coverage, claim status, and easy access to claim forms and/or e-claims, depending on
your plan
• chat live with an agent
• send a secure email message to the Sun Life Financial Customer Care Centre
• contact information

Access to mysunlife website

The first time you access your group benefits online, you will need to register to get your personal access ID and
password. To register you will need your group contract number and member ID.

Prior Authorization Program

For the form:
• visit our website at www.mysunlife.ca/priorauthorization
• call a Sun Life Financial Customer Care representative toll-free at 1-800-361-6212
For the list of drugs:
• visit our website at www.mysunlife.ca/priorauthorization

Your Drug Card

Provided by your employer or online at www.mysunlife.ca.

Note: If you have refused Extended Health Care coverage under this plan, this drug card does not apply to you.

Your Travel Card

Provided by your employer or online at www.mysunlife.ca.

Note: If you have refused Extended Health Care coverage under this plan, this travel card does not apply to you.

Your Group Benefits (D) 3

Need to contact Allianz Global Assistance?
In the USA and Canada, call: 1-800-511-4610.

All other inquiries

Call 1-877-SUN-LIFE (1-877-786-5433).

Your Group Benefits (D) 4

Benefit Summary
The information contained in this summary applies only to benefits for which Sun Life Assurance Company of
Canada is the insurer or administrator. The Basic Accidental Death and Dismemberment and Long-Term Disability
benefits described later in this booklet are not insured or administered by Sun Life.

This is a summary of the coverage your plan provides. You should read it together with the information in the rest of
this booklet. Please see the related sections of this booklet for more information, including exclusions, limitations and
other conditions that apply to your plan.

General Information
We, our and us Throughout this booklet, we, our and us mean Sun Life Assurance Company of Canada

Waiting period 3 months of continuous employment

Any period during which you do not meet the eligibility requirements cannot be counted
as part of the waiting period

Termination Termination of coverage may vary from benefit to benefit as indicated in this Benefit
Summary. Coverage may also end on an earlier date, as specified in the General
Information section of this booklet.

Extended Health Care - Contract Number 153675

Benefit year January 1 to December 31

Deductible None

Reimbursement level

Drug card plan Included

Prescription drugs 100%

Drugs covered under this plan must have a Drug Identification Number (DIN) and be
approved under Drug evaluation

We will cover the following drugs and supplies that are prescribed by a doctor or dentist
and are obtained from a pharmacist:
• drugs that legally require a prescription
• life-sustaining drugs that may not legally require a prescription
• injectable drugs and vitamins
• synovial fluid replacement
• compounded preparations, provided that the principal active ingredient is an eligible
expense and has a DIN
• diabetic supplies
• vaccines
• intrauterine devices (IUDs) and diaphragms
• colostomy supplies
Your Group Benefits (D) 5
 • varicose vein injections
• anti-obesity drugs
There are drugs and treatments that are not covered, even when prescribed. Please
refer to the Extended Health Care section of this booklet for details.

Other health professionals We reimburse certain drugs prescribed by other qualified health professionals the same
allowed to prescribe way as if the drugs were prescribed by a doctor or a dentist if the applicable provincial
drugs legislation permits them to prescribe those drugs.

Dispensing fee Eligible expenses for the dispensing fee are limited to $12 for each prescription or refill

Drug substitution limit We will not cover charges above the lowest priced equivalent drug unless we
specifically approve them. To assess the medical necessity of a higher priced drug, we
will require the covered person and the attending doctor to complete and submit an
exception form.

Québec drug insurance Any conditions under this plan that do not meet the requirements under the Québec
plan drug insurance plan are automatically adjusted to meet those requirements

In-province hospital 100% of the difference between the cost of a ward and a semi-private room

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
Time limit – 60 days after the date the person leaves the province where the person
lives
Lifetime maximum of $3,000,000 per person for out-of-Canada services

Out-of-province referred 80%

services

Medical services and 100%

equipment

Paramedical services 100% up to a maximum of $500 per person per benefit year per specialty for the
qualified paramedical practitioners listed below:
• psychologists, psychotherapists or social workers
• massage therapists
• speech therapists
• physiotherapists or occupational therapists
• naturopaths
• acupuncturists
• osteopaths or osteopathic practitioners, including a maximum of one x-ray
examination each benefit year
• chiropractors, including a maximum of one x-ray examination each benefit year
• podiatrists or chiropodists, including a maximum of one x-ray examination each
benefit year
Termination When you retire or reach age 70, whichever is earlier

Your Group Benefits (D) 6

Dental Care - Contract Number 153675
Benefit year January 1 to December 31

Deductible None

Fee guide The current fee guide for general practitioners in the province where the employee lives,
regardless of where the treatment is received

Reimbursement level

Preventive procedures 80%

Basic procedures 80%

Maximum benefit

Benefit year maximum $1,500 per person

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

Life - Contract Number 103675

Employee Basic Life

Amount 2 times your annual basic earnings rounded to the next higher $1,000
Maximum – $250,000
Minimum – $25,000

Reduction Coverage is reduced to 50% of the above amount when you reach age 65

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, then, we
apply the above reduction clause to calculate the amount for which you are eligible.

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

Employee Optional Life

Amount You can choose coverage in units of $10,000

Maximum – $500,000

Proof of good health Approval required on the initial optional amount of coverage and any increase in that
coverage requested by the employee

Reduction Coverage is reduced to 50% of the above amount when you reach age 65

Your Group Benefits (D) 7

 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, then, we
apply the above reduction clause to calculate the amount for which you are eligible.

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

Basic Dependent Life

Amount Spouse – $10,000

Child – $5,000

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

Spouse Optional Life

Amount You can choose coverage in units of $10,000

Maximum – $500,000

Proof of good health Approval required on the initial optional amount of coverage and any increase in that
coverage requested by the employee

Reduction Coverage is reduced to 50% of the above amount when you reach age 65

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, then, we
apply the above reduction clause to calculate the amount for which you are eligible.

Termination When you retire or reach age 70, or when your spouse reaches age 70, whichever is
earlier

Your Group Benefits (D) 8

Making Claims
The information contained in this section applies only to benefits for which Sun Life Assurance Company of Canada
is the insurer or plan administrator.

There are time limits for making claims. You can find more on these time limits in the following chart. If you fail to
meet these time limits, you may not be entitled to some or all benefit payments.
To assess a claim, we may ask you to send us the following documents:
• medical records or reports
• proof of payment
• itemized bills
• prescriptions
• other information we need.
Proof of claim is at your expense.

Instructions and Time Limits for Sending Us Your Claims

Use this handy reminder to help you meet the time limits for sending in your claim.

Type of claim Starting the claims process Limits and special instructions

Extended Health Care Ask your employer for the form to Up to the earlier of the following
complete, or get the form on our dates:
website. • 90 days after the end of the
benefit year during which the
You can also submit claims for expense is incurred, or
some expenses electronically. For • 90 days after the end of your
more information, ask your Extended Health Care
employer. coverage.
Emergency Travel Assistance Contact Allianz Global Assistance Having expenses reimbursed: To
to notify them that a medical have services or supplies
emergency exists. reimbursed that either you or
another covered person have paid
for, proof of the expenses must be
provided to us within 30 days of the
person’s return to the province
where the person lives.

Refer to Reimbursement of
expenses under the Emergency
Travel Assistance section for further
details.

Your Group Benefits (D) 9

Type of claim Starting the claims process Limits and special instructions

Dental Care Ask your employer for the form to Up to the earlier of the following
complete, or get the form on our dates:
website. • 90 days after the end of the
benefit year during which the
The dentist will have to complete a expense is incurred, or
section of the form. • 90 days after the end of your
Dental Care coverage.
You can also submit claims for
some expenses electronically. For If we consider it needed, we can
more information, ask your require that you give us the
employer. dentist’s statement of the treatment
received, pre-treatment x-rays and
any other related information.
Life coverage Ask your employer to provide the If the claim is a result of a death:
claim forms. We must receive the claim form as
soon as possible after the death
occurred.

For coverage during total

disability: We must receive the
proof of total disability within 12
months of the date the disability
begins. After that, we can require
that you provide us with ongoing
proof that you are still totally
disabled.

Your Group Benefits (D) 10

General Information
The information contained in this section applies only to benefits for which Sun Life Assurance Company of Canada
is the insurer or administrator. The Basic Accidental Death and Dismemberment and Long-Term Disability benefits
described later in this booklet are not insured or administered by Sun Life.

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.
This booklet is only a summary of your employer’s group contract. If there are any discrepancies between the group
contract and the information in this booklet, the group contract will take priority, to the extent permitted by law.
Your group benefits may be modified after the effective date of this booklet. We will notify you in writing of any
changes to your group plan. Any such notices will become part of this group benefits booklet and you should keep
them in a safe place together with this booklet.
Have questions? Need more information about your group benefits? Talk to your employer.

Your group benefits The contract holder, Pinchin Ltd., self-insures the following benefits:
• Extended Health Care
• Emergency Travel Assistance
• Dental Care

This means Pinchin Ltd. has the sole legal and financial liability for the benefits listed
above and funds the claims. Sun Life provides administrative services only (ASO) such
as claims adjudication and claims processing. All other benefits are insured by Sun Life.

Who is eligible to To be eligible for group benefits, you must reside in Canada and meet all the following
receive benefits? conditions:
• you are a permanent employee working in Canada.
• you are actively working for your employer at least 20 hours a week.
• you have completed the waiting period indicated in the Benefit Summary.

Your dependents become eligible for coverage on the later of the following dates:
• on the date you become eligible for coverage, or
• on the date they become your dependent.

You must apply for coverage for yourself in order for your dependents to be eligible.

Who qualifies as your Your dependent must be:

dependent • your spouse or your child, and
• residing in Canada or the United States.

Your spouse qualifies as your dependent if they are your spouse in one of the following
ways:
• by marriage.
• under any other formal union recognized by law.
• as your partner of the opposite sex or of the same sex who is living with you and
has been living with you in a conjugal relationship for at least 12 months. For
employees residing in Québec, there is no minimum cohabitation period if a child is
born out of the relationship.
You can only cover one spouse at a time.

Your Group Benefits (D) 11

 Your children and your spouse's children (other than foster children) are eligible
dependents if they are under age 21 and do not have a spouse.

A child who is a full-time student under age 26 is also considered an eligible dependent
as long as the child is dependent on you for financial support and does not have a
spouse.

If a child becomes disabled before the maximum age and remains continuously
disabled, we will continue coverage if they are not able to support themselves financially
because of a disability and must rely on you financially. The exception is if they have a
spouse.

In these cases, you must inform Sun Life within 6 months of the date the child attains
the maximum age for this plan. Ask your employer for more on this.

How to enrol For you – You must provide the proper enrolment information to Sun Life through your
employer.
For a dependent – You must ask for dependent coverage.

If you or your dependents already have similar Extended Health Care or Dental Care
coverage under this or another plan – You may refuse this coverage under this plan. If
the other coverage ends at a later date, you can enrol for coverage under this plan then.

You will need to provide proof of good health for the benefits listed below, as outlined in
the Benefit Summary section at the beginning of this booklet. This coverage will not start
before Sun Life has approved this proof of good health.
• Employee Optional Life
• Spouse Optional Life

When coverage Your coverage begins on the later of the following dates:
begins • the date you become eligible for coverage.
• 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:

• the date your coverage begins.
• the date you first have a dependent.

If you are not actively working on the date your spouse's Optional Life coverage would
normally begin, then that coverage will not begin until you return to active work with your
employer.

Changes affecting If proof of good health is required, the change cannot take effect before Sun Life
your coverage approves the proof of good health.

If you are not actively working when an increase in coverage occurs or when Sun Life
approves proof of good health, the change cannot take effect before you return to active
work.

Your Group Benefits (D) 12

 Updating your To ensure that coverage is kept up-to-date, it is important that you report any of the
records following changes to your employer:
• change of dependents.
• change of name.
• change of beneficiary.

Accessing your You may request copies of your records, including:

records • your enrolment form or application for insurance.
• any written statements or other record about your health that you provided to
Sun Life in applying for coverage.
• one copy of the insured contract.

We will not charge you for the first copy but we may charge a fee for further copies.

Need a copy of a document? Contact one of the following:

• our website at www.mysunlife.ca.
• our Customer Care centre, toll-free at 1-800-361-6212.

When coverage ends As an employee, your coverage will end on the earlier of the following dates:
• the date your employment ends or you retire.
• the date you are no longer actively working.
• the end of the period for which premiums have been paid to Sun Life for your
coverage.
• the date the group contract or the benefit provision ends.

A dependent’s coverage terminates on the earlier of the following dates:

• the date your coverage ends.
• the date the dependent is no longer an eligible dependent.
• the end of the period for which premiums have been paid for dependent coverage.

The end of coverage may vary from benefit to benefit. For information about a specific
benefit, please refer to the Benefit Summary section at the beginning of this booklet.

If you die while covered by this plan

Coverage for your dependents will continue, without anyone paying further premiums, until the earlier of the
following dates:
• 24 months after the date of your death.
• the date the person would no longer be considered your dependent under this plan if you were still alive.
• the date your coverage would have terminated if you were still alive.
• the date the benefit provision under which the dependent is covered ends.
When dependent coverage continues, it is subject to all other terms of the plan.
The continuation of coverage does not apply to the spouse’s Optional Life.

Legal actions for insured benefits

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.
Your Group Benefits (D) 13
Legal actions for self-insured benefits
Where the applicable legislation of your province or territory permits the use of a different limitation period, every
action or proceeding for the recovery of money payable under the plan is absolutely barred unless it is commenced
within one year of the date that we must receive your claim forms. Otherwise, every action or proceeding for the
recovery of money payable under the plan must be commenced within the time set out in the 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 continued total disability. If you do not
provide this information within 90 days of the request, you may not be entitled to some or all benefit payments.

Coordinating your benefits with another plan

If you or your dependents are covered for Extended Health Care or Dental Care under this plan and another plan, the
maximum amount that you can receive from all plans is 100% of the total eligible expenses.

When you have more than one plan, insurance industry standards determine which plan you should claim expenses
from first.
Please send in claims for you and your spouse in the following order:
• First, send in the claim to the plan where the person is covered as an employee. If the person is an employee
under two plans, send the claim to the different plans in the following order:
• to the plan where the person is covered as an active full-time employee.
• then, to the plan where they are covered as an active part-time employee.
• then, to the plan where they are covered as a retiree.
• Next, send the claim to the plan where the person is covered as a dependent.
Please send in claims for a child in the following order:
• First send in the claim to the plan where the child is covered as an employee.
• Then, to the plan where they are covered under a student health or dental plan through their educational
institution.
• Then, to the plan of whichever parent has 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.

When you send us a claim, you must tell us about all other equivalent coverage that you or your dependents have.

Medical examination
We may require that you or your dependent have a medical examination if you make a claim. We will pay for the
examination. If the person fails or refuses to have an examination, we will not pay any benefits.

Recovering overpayments
If we have overpaid any amount of benefit, we have the right to recover this money. We will:
• ask you to reimburse us,
• deduct that amount from other benefit payments, or
• recover that amount by any other legal means available.

Assignments
For Life benefits – You may not assign any rights or interests to anyone.
For all other benefits – We reserve the right to deny your request for an assignment.

Your Group Benefits (D) 14

Definitions
Here are the definitions of some terms that appear in this employee booklet. Other definitions that describe specific
benefits 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.

Basic earnings Basic earnings are the salary you receive from your employer excluding any bonus,
overtime or incentive pay.

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.

Regular employees All employees other than Executives and Associates.

Retirement date If you are totally disabled, your retirement date is your 65th birthday, unless you have
actually retired before then.

Your Group Benefits (D) 15

Extended Health Care
Plan administrator
This benefit is administered by Sun Life Assurance Company of Canada.

General description of the coverage

The contract holder has the sole legal and financial liability for this benefit. Sun Life only acts as administrator on
behalf of the contract holder.
In this section, you means the employee and all dependents covered for Extended Health Care benefits.
Extended Health Care coverage pays for eligible expenses that you incur while covered under this plan.

Eligible expenses mean expenses incurred for the services and supplies described below that are medically
necessary for the treatment of an illness and do not exceed the reasonable and customary charges for the service or
supply being claimed. 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 for treating an illness according to Canadian medical standards.

Reasonable and customary charges mean:

• fees and prices normally charged in the regional area where the services or supplies are provided, and
• charges for services and supplies that represent reasonable treatment, considering the duration of services and
how frequently services and supplies are provided.

To qualify for this coverage you must be entitled to benefits under a provincial medicare plan or federal government
plan that provides similar benefits.
Reference to Doctor may also include a nurse practitioner – If the applicable provincial legislation permits nurse
practitioners to prescribe or order certain supplies or services, Sun Life will reimburse those eligible services or
supplies prescribed or ordered by a nurse practitioner the same way as if they were prescribed or ordered by a
doctor. For drugs, refer to Other health professionals allowed to prescribe drugs outlined in the Benefit Summary.

Claiming when the You must claim an expense for the benefit year in which you incur the expense. You
expense is incurred incur an expense on the date you receive the service or purchase or rent supplies.

The benefit year is indicated in the Benefit Summary.

See the table Instructions and Time Limits for Sending Us Your Claims at the
beginning of this booklet for information about when and how to make a claim.

Reimbursement level Claims will be paid up to the reimbursement level under this plan.

For each type of service listed below, the reimbursement level is indicated in the
Benefit Summary.

Your Group Benefits (D) 16

Prescription drugs
Prescription drugs We will cover the cost of the drugs and supplies that are listed in the Benefit Summary.

Quantity limit 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.

What is not covered We will not pay for the following, even when prescribed:
• infant formulas (milk and milk substitutes), minerals, proteins, vitamins and collagen
treatments.
• the cost of giving injections, serums and vaccines.
• proteins and food or dietary supplements.
• hair growth stimulants.
• products to help you quit smoking.
• drugs for the treatment of infertility.
• drugs for the treatment of sexual dysfunction.
• drugs that are used for cosmetic purposes.
• natural health products, whether or not they have a Natural Product Number (NPN).
• 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:
• drugs that receive Health Canada Notice of Compliance for an initial or a new
indication on or after November 1, 2017.
• 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:
• comparative analysis of the drug cost and its clinical effectiveness.
• recommendations by health technology assessment organizations and provinces.
• availability of other drugs treating the same or similar condition(s).
• plan sustainability.
Smoking cessation For employees residing in Québec, smoking cessation products are covered in
products accordance with the requirements under the Québec drug insurance plan.

Pharmaceutical For employees residing in Québec, we will cover the pharmaceutical services that are
services (rendered by covered under the Québec drug insurance plan and apply its requirements.
pharmacists)

Prior authorization The prior authorization (PA) program applies to a limited number of drugs, where you
program must get approval in advance for coverage under the program.

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:
• Health Canada Product Monograph.
Your Group Benefits (D) 17
 • recognized clinical guidelines.
• comparative analysis of the drug cost and its clinical effectiveness.
• recommendations by health technology assessment organizations and provinces.
• your response to preferred drug therapy.
If not, your claim will be declined.

See How to Connect with Sun Life Financial at the beginning of this booklet for
information on how to obtain our prior authorization forms.

Reference Drug The Reference Drug Program (RDP) applies to select drugs determined by Sun Life.
Program Under RDP, Sun Life will:
• group together a set of drugs that are used to treat the same condition(s) in the
same or similar way (a therapeutic category).
• determine the most cost-effective drug within a therapeutic category (the Reference
Drug), considering such factors as cost to the plan, provincial programs, safety and
clinical effectiveness.
• limit the eligible cost of drugs in a particular therapeutic category to the eligible cost
of the Reference Drug (the Reference Drug Limit).
• apply the Reference Drug Limit to select province(s), excluding Québec. The
selected province(s) may vary with each therapeutic category.
For all therapeutic categories, the Reference Drug Limit applies to covered persons in
the selected provinces having no previous claims for a non-Reference Drug. The
Reference Drug Limit may also apply to covered persons with previous claims for a
non-Reference Drug depending upon the therapeutic category and such factors as:
• clinical support for switching to the Reference Drug.
• expected duration of treatment.
• provincial programs.
Any claim submitted under this plan within 120 days before the date that Sun Life applies
the Reference Drug to the plan is a previous claim. Any drug other than the Reference
Drug in a therapeutic category is a non-Reference Drug.

When the Reference Drug Limit applies, charges in excess of this limit are not covered,
unless there is a medical reason for the covered person to take the non-Reference Drug.
To assess medical necessity, Sun Life will require the covered person and the attending
doctor to complete and submit an exception form.

Persons age 65 or Unless you have indicated otherwise, once you reach age 65 you are automatically
over residing in registered for the public prescription drug insurance plan of the Régie de l’assurance-
Québec maladie du Québec (RAMQ), which provides basic coverage for prescription drug costs.
Given that after age 65 you continue to be eligible for a medical expense benefit under
your group plan, you must make a decision in regards to your basic coverage since you
can be covered by either the public plan or your group plan.

If you opt for basic coverage under RAMQ’s public prescription drug insurance plan, your
group plan will then provide coverage that supplements RAMQ’s basic coverage. This
supplementary coverage does not replace RAMQ’s basic coverage; it adds to it by
covering, for example, drugs that are not reimbursed by the public plan or the portion of
drug costs not reimbursed by the public plan. In this case, when you complete your tax
return, be sure to indicate that you are registered for basic coverage under RAMQ’s
public plan. You will then have to pay the premium.

Your Group Benefits (D) 18

 On the other hand, if you opt to keep your basic coverage under your group plan, you will
have to cancel your registration in the public plan by calling RAMQ or visiting one of its
offices during business hours. But before you do, we recommend you contact your
benefits administrator to clarify your situation. Unfortunately, we cannot change your file
without confirmation from your benefits administrator.

Hospital expenses in your province

Hospital We will cover the cost of room and board in a hospital in the province where you live, as
indicated in the Benefit Summary.

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 the cost of room and board in a convalescent hospital, as indicated in the
Benefit Summary, if this care has been ordered by a doctor and as long as it is primarily
for rehabilitation, and not for custodial care.

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 your province

Expenses out of your We will cover emergency services while you are outside the province where you live. We
province will also cover referred services. For both emergency services and referred services,
the reimbursement level is indicated in the Benefit Summary.

For both emergency services and referred services, we will cover the cost of:
• a semi-private hospital room
• other hospital services provided outside of Canada
• out-patient services in a hospital
• the services of a doctor

Emergency services We will only cover emergency services obtained within the time limit indicated in the
Benefit Summary. 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 treatment program that existed before they left their
home province.

Your Group Benefits (D) 19

 Emergency means an acute illness or accidental injury that requires immediate,
medically necessary treatment prescribed by a doctor.

Contact us right away in an emergency!

You or someone with you must contact Sun Life’s Emergency Travel Assistance
provider, AZGA Service Canada Inc. (Allianz Global Assistance) right away. Allianz
Global Assistance must approve all invasive and investigative procedures (including any
surgery, angiogram, MRI, PET scan, CAT scan) before you have them.

If Allianz Global Assistance does not hear from you first, before you receive
emergency services, and we determine that someone could have reasonably made
contact on your behalf, Sun Life has the right to deny or limit payments for all expenses
related to that emergency.

In extreme circumstances where contact with Allianz Global Assistance cannot be made
before services are provided, you must contact Allianz Global Assistance as soon as
possible afterwards.

An emergency ends when Allianz Global Assistance, based on available medical

evidence, deems you 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 • services that are not immediately required or which could reasonably be delayed
coverage 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.
• services relating to an illness or injury which caused the emergency, after such
emergency ends.
• 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.
• 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.
• 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. Your provincial medicare plan must agree
in writing to pay benefits for the referred services.

All referred services must be obtained in Canada, if available, regardless of any waiting
lists. However, if referred services are not available in Canada, they may be obtained
outside of Canada.

Your Group Benefits (D) 20

Your medical services at a glance
Covered expenses Details Payment limits

Medical services and equipment

Out-of-hospital private duty nurse Must be medically necessary $10,000 per person per benefit year

Must be for nursing care, and not

for custodial care, and must be
prescribed by a doctor

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 cannot perform
the duties
Ambulance Transportation in a licensed
ambulance that takes you to and
from the nearest hospital that is
able to provide the necessary
medical services

Must be medically necessary

Expenses incurred outside Canada

for emergency services will be paid
based on the conditions that appear
in the Benefit Summary for Out-of-
province emergency services
Air ambulance Transportation in a licensed air
ambulance that takes you to the
nearest hospital that is able to
provide the necessary medical
services

Must be medically necessary

Expenses incurred outside Canada

for emergency services will be paid
based on the conditions that appear
in the Benefit Summary for Out-of-
province emergency services

Your Group Benefits (D) 21

Covered expenses Details Payment limits

Diagnostic services The following diagnostic services For all medical imaging services
that you receive outside of a combined, $1,000 per person per
hospital, except where your benefit year
provincial plan considers the
expense to be an insured service:
• laboratory tests when
prescribed by a doctor
• ultrasounds
• medical imaging services,
including MRIs and CT scans
Dental services following an Dental services, including braces We will only cover up to the fee
accident and splints, to repair damage to stated in the Dental Association Fee
natural teeth caused by an Guide for a general practitioner in
accidental blow to the mouth that the province where the employee
occurs while you are covered lives
We will cover 80%
You must receive these services
within 12 months of the accident
Ophthalmologist or licensed Services of an ophthalmologist or $150 per person in any 12 month
optometrist licensed optometrist period for a person under age 18 or
in any 24 month period for any other
person
Contact lenses or intraocular lenses After cataract surgery One lens per eye, per lifetime
Wigs After chemotherapy $300 per person per benefit year
Equipment Medically necessary equipment that For wheelchairs, eligible expenses
meets your basic medical needs, are limited to a lifetime maximum of
that you rented (or purchased at our $3,000 per person
request)

For equipment to be eligible, we

may require a doctor’s prescription

If alternate equipment is available,

eligible expenses are limited to the
cost of the least expensive
equipment that meets your basic
medical needs
Casts, trusses or crutches
Splints or braces Must be prescribed by a doctor
Breast prostheses Required as a result of surgery One prosthesis per breast per
benefit year
Surgical brassieres Required as a result of surgery 2 brassieres per person per benefit
year
Artificial limbs and eyes
Stump socks 5 pairs per person per benefit year
Elastic support stockings, including Must be prescribed by a doctor $100 per person per benefit year
pressure gradient hose

Your Group Benefits (D) 22

Covered expenses Details Payment limits

Custom-made orthotics for shoes Must be prescribed by a doctor, $300 per person per benefit year
podiatrist or chiropodist
Custom-made orthopaedic shoes or Must be prescribed by a doctor, $300 per person per benefit year
modifications to orthopaedic shoes podiatrist or chiropodist
Hearing aids $500 per person in any 60 month
period
Repairs are included in this
maximum
Oxygen
Blood glucose monitors $700 per person, per lifetime
Continuous Glucose Monitor (CGM) Only for persons diagnosed with Combined maximum of $1,000 per
receivers, transmitters or sensors Type 1 diabetes person per lifetime

You must provide us with a doctor's

note confirming the diagnosis
Insulin pumps Must be prescribed by a doctor
Constant positive airway pressure Must be prescribed by a doctor • Machine: $2,000 per person, in
(CPAP) any 60 month period
• Mask: once per benefit year
• Supplies
Blood pressure monitors Must be prescribed by a doctor $100 per person, per lifetime
Paramedical services
Paramedical practitioners listed in The paramedical practitioners must Up to the reimbursement level
the Benefit Summary be qualified indicated in the Benefit Summary
Qualified means a person who is a member of the appropriate governing body established by the provincial
government for their profession. In the absence of a governing body, the person must be an active member of an
association approved by us.

Qualified paramedical practitioners must:

• belong to a regulatory body or in the absence of a regulatory body, belong to an association approved by us,
• be licensed or registered, as required by the applicable provincial regulatory body,
• have undergone appropriate training and obtained necessary credentials in support of the services or supplies
rendered,
• maintain clinical records and files consistent with the reasonable practices and standards of others in their field
or as may be required by a regulatory body or association,
• produce clinical records and files to us upon request and generally act in a manner that is responsive to
inquiries from us, and
• not engage in administrative practices unacceptable to us.

This is not an exhaustive list of qualifications. We have the sole discretion to determine whether a paramedical
practitioner is qualified to render a service or provide a supply. To the extent that the qualifications listed above
apply to clinics, we have the sole discretion to determine whether a clinic is qualified such that claims for services or
supplies rendered at that clinic are eligible for reimbursement under this plan.

When coverage ends

See the Benefit Summary at the beginning of this booklet to see when your coverage ends.

Your Group Benefits (D) 23

Payments after coverage ends
If you are totally disabled, as defined in the contract, when your coverage ends, benefits will continue for expenses
that result from the illness that caused the total disability if the expenses are incurred:
• during the uninterrupted period of total disability,
• within 90 days of the end of coverage, and
• while this provision is in force.
If the Extended Health Care benefit ends, coverage for dental services to repair natural teeth damaged by an
accidental blow will continue, if both of the following apply:
• the accident occurred while you were covered, and
• you have the procedure within 6 months after the date of the accident.

What is not covered

We will not pay for the costs of:
• services or supplies payable or available (regardless of any waiting list) under any government-sponsored plan or
program, except as described below under Integrating with government programs.
• implanted prosthetic or medical devices (examples of these devices are gastric lap bands, breast implants, spinal
implants and hip implants).
• equipment that we consider ineligible (examples of this equipment are orthopaedic mattresses, exercise
equipment, air-conditioning or air-purifying equipment, whirlpools and humidifiers).
• services or supplies that are not usually provided to treat an illness, including experimental or investigational
treatments as defined in the contract.
• services or supplies that do not qualify as medical expenses under the Income Tax Act (Canada).
• 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:
• the hostile action of any armed forces, insurrection or participation in a riot or civil commotion.
• any work for which you were compensated that was not done for the employer who is providing this plan.
• participation in a criminal offence.

Integrating this plan with government programs

This plan will integrate with benefits payable or available under the government-sponsored plan or program (the
government program).
The covered expense under this plan is the remaining portion of the expense that the government program does not
pay or make available, regardless of:
• whether you have made an application to the government program,
• whether your being covered under this plan affects your ability to be eligible for or entitled to any benefits under
the government program, or
• whether there are any waiting lists.

Your Group Benefits (D) 24

Emergency Travel Assistance
Plan administrator
This benefit is administered by Sun Life Assurance Company of Canada.

General description of the coverage

The contract holder has the sole legal and financial liability for this benefit. Sun Life only acts as administrator on
behalf of the contract holder.
In this section, you means the employee and all dependents covered for Emergency Travel Assistance benefits.

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.
We will only cover emergency services obtained within the time limit indicated in the Benefit Summary. If
hospitalization occurs within this period, in-patient services are covered until the date you are discharged.
The emergency services excluded from coverage, and all other conditions including maximums, limitations and
exclusions that apply to your Extended Health Care coverage also apply to Medi-Passport.
Bring your Travel card with you! There you will find telephone numbers and the information you’ll need to confirm
your coverage and get help.

Getting help Contact us right away in an emergency!

You or someone with you must contact AZGA Service Canada Inc. (Allianz Global
Assistance) right away.

If Allianz Global Assistance does not hear from you first, before you receive
emergency services, and we determine that someone could have reasonably made
contact on your behalf, Sun Life has the right to deny or limit payments for all expenses
related to that emergency.

In extreme circumstances where contact with Allianz Global Assistance cannot be made
before services are provided, you must contact Allianz Global Assistance as soon as
possible afterwards.

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 medical
assistance 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.

Your Group Benefits (D) 25

 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 physician,
or to a different that it is necessary for you to be transported under medical supervision to a different
medical facility 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 death of a
accommodations person you are travelling with who is also covered by this benefit, Allianz Global
expenses 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 transportation
home if stranded to the province where you live:
• 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 (sent home); or
• for a child if, due to a medical emergency, you need to be admitted to hospital and
they are left unattended while travelling with you outside the province where you live.
We provide this benefit for children who are under 16 or mentally or physically
handicapped.

If necessary, in the case of such a child, Allianz Global Assistance will also make
arrangements and advance funds for a qualified person to go home with the child as their
attendant.

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 round-trip
family members economy class ticket for a member of your immediate family to travel from their home to
the hospital where you are:
• if you are there for more than 7 days in a row, and
• if you are travelling alone or you are travelling only with a child who is under 16 or
mentally or physically handicapped.

We will pay up to $150 a day for the family member to eat and stay at a commercial
establishment up to 7 days.

Your Group Benefits (D) 26

Returning you home If you die while out of the province where you live, Allianz Global Assistance will pay up
(repatriation) to $5,000 to do the following:
• arrange for all necessary government authorizations.
• arrange for the return of your remains in an approved container.

Returning your Allianz Global Assistance will arrange and, if necessary, advance funds up to $500 to
vehicle return 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 doing so.

Lost luggage or If your luggage or travel documents become lost or stolen while you are travelling outside
documents of the province where you live, Allianz Global Assistance will direct you in how to arrange
for replacement of travel documents or who to contact about your lost or stolen luggage.
This is a service only. There is no benefit amount payable in the event of lost or stolen
luggage or documents.

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.

Reimbursement of If you obtain confirmation from Allianz Global Assistance that you are covered and a
expenses medical emergency exists, Sun Life will reimburse you for services and supplies that you
paid for and that are covered by this plan. In this situation, you should do the following:
• keep the receipts.
• always obtain a fully itemized bill for any hospital treatment.
• within 30 days of your return home, complete an Extended Health Care claim form,
include original receipts and any itemized bills, and send directly to Allianz Global
Assistance. Allianz Global Assistance's address can be obtained by visiting our
Sun Life Financial Plan Member Services website at www.mysunlife.ca or by calling
our Sun Life Financial Customer Care centre toll-free number 1-800-361-6212.

Allianz Global Assistance will ask you to sign a form authorizing them to act on your
behalf with your provincial medicare plan. You must sign and return this form to Allianz
Global Assistance before your claim can be processed.

Coordination of If you are covered under this group plan and certain other plans, we will coordinate
coverage 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.

Your responsibility You will have to reimburse Sun Life for any of the following amounts advanced by Allianz
for advances Global Assistance:
• any amounts which are or will be reimbursed to you by your provincial medicare plan.
• that portion of any amount which exceeds the maximum amount of your coverage
under this plan.
• amounts paid for services or supplies not covered by this plan.
• 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.

Your Group Benefits (D) 27

Limits on Emergency There are countries where Allianz Global Assistance is not currently available for various
Travel Assistance reasons. For the latest information, please call Allianz Global Assistance before you
coverage leave on your trip.

Allianz Global Assistance reserves the right to suspend, curtail or limit its services in any
area, without prior notice, because of:
• a rebellion, riot, military up-rising, war, labour disturbance, strike, nuclear accident,
terrorism or an act of God.
• the 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 or Neither Sun Life nor Allianz Global Assistance will be liable for the negligence or other
Allianz Global wrongful acts or omissions of any physician or other health care professional providing
Assistance direct services covered under this group plan.

Your Group Benefits (D) 28

Dental Care
Plan administrator
This benefit is administered by Sun Life Assurance Company of Canada.

General description of the coverage

The contract holder has the sole legal and financial liability for this benefit. Sun Life only acts as administrator on
behalf of the contract holder.
In this section, you means the employee and all dependents covered for Dental 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 and customary charges. We will not cover more than the
fee stated in the Dental Association Fee Guide specified in the Benefit Summary. 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.
Reasonable and customary charges mean:
• charges considered necessary for the treatment and maintenance of a person’s oral health, according to
standard Canadian dental procedures and practices, and
• charges of a reasonable frequency and duration, as determined by Sun Life.
We will base payments on the fee guide at the time the person receives the treatment.
To decide what part of a procedure we will pay for:
• we will first find out if you could have had alternate, or other, dental procedures.
• we confirm that these alternate procedures are part of usual and accepted dental work and produced a similar
result to the procedure that the dentist performed.
We will only pay the reasonable cost of the least expensive alternate procedure.

If you receive any It will be included as part of the final dental procedure used to correct the problem and
temporary dental not as a separate procedure. The fee for the permanent service will be used to
service determine the reasonable and customary charge for the final dental service.

Claiming when the You must claim an expense for the benefit year in which you incur the expense.
expense is incurred

The benefit year is indicated in the Benefit Summary.

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.

See the table Instructions and Time Limits for Sending Us Your Claims at the
beginning of this booklet for information about when and how to make a claim.

Reimbursement level Claims will be paid up to the reimbursement level under this plan.

For each type of service listed below, the reimbursement level is indicated in the
Benefit Summary.

Your Group Benefits (D) 29

Maximum benefit Maximums are indicated in the Benefit Summary.

Getting an estimate For any major treatment or any procedure that will cost more than $500, we suggest that
before you have you send us an estimate before the work is done. Here’s what to expect:
certain procedures • you will 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.

Your dental services at a glance

Covered expenses Details / Payment limits

Preventive dental procedures – Your dental benefits include the following procedures used to help prevent dental
problems. They are procedures that a dentist performs routinely to help maintain good dental health.
Oral examinations • 1 complete examination every 24 months.
• 1 recall examination every 5 months.
• emergency or specific examinations.
X-rays • 1 complete series of x-rays or 1 panorex every 24 months.
• 1 set of bitewing x-rays every 5 months.
• x-rays to diagnose a symptom or examine progress of a certain course of treatment.
Other services • required consultations between two dentists.
• polishing (cleaning of teeth) and topical fluoride treatment once every 5 months.
• emergency or palliative services.
• diagnostic tests and laboratory examinations.
• removing impacted teeth and related anaesthesia.
• providing space maintainers for missing primary teeth.
• pit and fissure sealants.
• oral hygiene instruction once every 5 months.

Basic dental procedures – Your dental benefits include the following procedures used to treat basic dental
problems.
Fillings • amalgam (silver) and composite or acrylic (white), or equivalent.
Extraction of teeth • removing teeth, except impacted teeth (Preventive dental procedures).
Basic restorations • prefabricated metal restorations and repairs to prefabricated metal restorations,
other than in conjunction with the placement of permanent crowns.
Endodontics • root canal therapy and root canal fillings, and treatment of disease of the pulp tissue.
Periodontics • treating disease of the gum and other supporting tissue.
• scaling and root planing, up to a combined maximum of 2 units of 15 minutes per
benefit year for a child under age 13 or 6 units of 15 minutes per benefit year for any
other person.
Your Group Benefits (D) 30
 Oral surgery • surgery and related anaesthesia, other than the removal of impacted teeth
(Preventive dental procedures).
Rebase or reline • rebase or reline of an existing partial or complete denture.

When coverage ends

See the Benefit Summary at the beginning of this booklet to see when your coverage ends.

Payments after coverage ends

If the Dental Care benefit ends, coverage for dental services to repair natural teeth damaged by an accidental blow
will continue, if both of the following apply:
• the accident occurred while you were covered, and
• you have the procedure 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 not pay for services or supplies that are not usually provided to treat a dental problem.
We will not pay for:
• procedures performed primarily to improve appearance.
• the replacement of dental appliances that are lost, misplaced or stolen.
• charges for appointments that you do not keep.
• charges for completing claim forms.
• services or supplies for which no charge would have been made in the absence of this coverage.
• supplies usually intended for sport or home use, for example, mouthguards.
• 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).
• transplants and repositioning of the jaw.
• charges related to implants, including surgery charges.
• experimental treatments.
We will also not pay for dental work resulting from:
• the hostile action of any armed forces, insurrection or participation in a riot or civil commotion.
• teeth malformed at birth or during development.
• participation in a criminal offence.

Your Group Benefits (D) 31

Life Coverage
Insurer
This benefit is insured by Sun Life Assurance Company of Canada.

General description of the coverage

Your Life coverage provides a benefit for your beneficiary if you die while covered. Your dependents' Life coverage
provides a benefit if one of your dependents dies while covered.
See the Benefit Summary at the beginning of this booklet to see the amount of coverage and the date
coverage ends.
See the table Instructions and Time Limits for Sending Us Your Claims at the beginning of this booklet for
information about when and how to make a claim.

Who we will pay If you die while covered, we will pay the full amount of your benefit to your last named
beneficiary on file with us.

If you have not named a beneficiary, we will pay the benefit amount 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, we will pay you the benefit for that dependent.

For your spouse’s optional coverage, we will pay the full amount of the benefit to the last
named beneficiary on file with us. If you have not named a beneficiary, we will pay the
benefit amount to you.

Fact
If you designated a beneficiary under a previous group plan of the employer, we will
apply and carry it forward to your coverage under this plan until you change it.

There are different rules for designating a minor beneficiary, please refer to your contract
for specific information.

Suicide If you or your spouse have any optional coverage that has been in effect for less than 2
years, we will not pay benefits if death is by suicide, regardless of whether you or your
spouse have a mental illness or intend or understand the consequences of your actions.

Coverage during total Life coverage may continue without the payment of premiums if you become totally
disability disabled before you retire or reach age 65, whichever is earlier, as long as you are totally
disabled. This continued coverage must follow the terms of the contract which were in
effect on the date you became totally disabled, including reductions and terminations.

There are a number of rules and conditions in the group contract that apply to coverage
during total disability. Please contact your employer for details.

Your Group Benefits (D) 32

Converting Life coverage
If your Life coverage or your spouse’s Life coverage ends or reduces for any reason other than your request, you or
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 because your Life
coverage has ended, 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 that the Life coverage reduces or ends.

Important
There are a number of rules and conditions in the group contract that apply to converting this coverage, including the
maximum amount that can be converted. Please contact your employer for details.

Your Group Benefits (D) 33

Basic Accidental Death & Dismemberment
Insurance
Insurer
This benefit is insured by Chubb Life Insurance Company of Canada.

Coverage

The plan offers you full 24-hour protection against accidents, on or off the job, on business, on vacation, at home, regardless of your
health history.

Eligibility

All active, permanent Employees of the policyholder, under age 70.

Benefit Amount

You are covered for a Principal Sum that is equal to two times your annual earnings* rounded to the next $1,000 (if not already a
multiple thereof) to a maximum of $250,000.

*The term “annual earnings” as used herein shall mean an Insured Person’s basic annual salary excluding overtime, bonus or
commission.

Benefit reduces by 50% at age 65 and terminates at age 70 or earlier retirement.

In the event of your death, the benefit amount is payable to the beneficiary you have named under your Group Life Insurance Plan
or in the absence of such designation, to your Estate.

Benefits payable under the following section will be limited to only one policy in the event the benefits are
contained in two or more policies issued to the Policyholder by Chubb Life (not applicable to the Schedule of Losses,
Exposure and Disappearance, Conversion and Cosmetic Disfigurement).

Schedule of Losses

Accidental Death & Dismemberment

If such injuries shall result in any one of the following specific losses within one year from the date of the accident, Chubb Life will
pay the percentage of the benefit amount, based on the amount stated under the Benefit Amount section, however, that not more
than one (the largest) of such benefits shall be paid with respect to injuries resulting from one accident.
Percentage of Benefit Amount
Loss of Life......................................................................................................................................................................................... 100%

Loss of Entire Sight of Both Eyes ..................................................................................................................................................... 100%

Loss of One Hand and One Foot....................................................................................................................................................... 100%

Loss of Use of One Hand and One Foot ........................................................................................................................................... 100%

Loss of One Hand and Entire Sight of One Eye ............................................................................................................................... 100%

Your Group Benefits (D) 34

Loss of One Foot and Entire Sight of One Eye ................................................................................................................................ 100%

Loss of Speech and Hearing in Both Ears ........................................................................................................................................ 100%

Brain Death........................................................................................................................................................................................ 100%

Coma ................................................................................................................................................................................................. 100%

Loss of Both Arms, Both Hands, Both Legs or Both Feet ............................................................................................................... 200%

Loss of Use of Both Arms, Both Hands, Both Legs or Both Feet ................................................................................................... 200%

Quadriplegia ..................................................................................................................................................................................... 200%

Paraplegia ......................................................................................................................................................................................... 200%

Hemiplegia ....................................................................................................................................................................................... 200%

Loss of One Arm or One Leg ............................................................................................................................................................... 75%

Loss of Use of One Arm or One Leg.................................................................................................................................................... 75%

Loss of One Hand or One Foot ........................................................................................................................................................... 75%

Loss of Use of one Hand or One Foot ................................................................................................................................................. 75%

Loss of Entire Sight of One Eye .......................................................................................................................................................... 75%

Loss of Speech or Hearing in Both Ears ............................................................................................................................................. 75%

Loss of Thumb and Index Finger of Same Hand ......................................................................................................................... 33 1/3%

Loss of Use of Thumb and Index Finger of Same Hand .............................................................................................................. 33 1/3%

Loss of Four Fingers of Same Hand ............................................................................................................................................. 33 1/3%

Loss of Hearing One Ear ............................................................................................................................................................... 33 1/3%

Loss of All Toes of Same Foot ............................................................................................................................................................. 25%

“Loss” shall mean with respect to hand or foot, the actual severance through or above the wrist or ankle joint; with respect to arm
or leg, the actual severance through or above the elbow or knee joint; with respect to eye, the total and irrecoverable loss of sight;
with respect to speech, the total and irrecoverable loss of speech which does not allow audible communication in any degree; with
respect to hearing, the total and irrecoverable loss of hearing which cannot be corrected by any hearing aid or device; with respect
to thumb and index finger or four fingers, the actual severance through or above the metacarpophalangeal joints of the same hand
(the joints between the fingers and the hand); with regard to toes, the actual severance through or above the metatarsophalangeal
joints (the joints between the toes and the foot) of the same foot. If an Insured Person suffers complete severance of a hand, foot,
arm or leg as described above, then Chubb Life will pay the amount specified in the Schedule of Losses even if the severed limb is
surgically reattached, whether successful or not.
“Loss” as used with reference to quadriplegia (paralysis of both upper and lower limbs), paraplegia (paralysis of both lower limbs),
and hemiplegia (total paralysis of upper and lower limbs of one side of the body), means the complete and irrecoverable paralysis of
such limbs, provided such loss of function is continuous for 180 consecutive days and such loss of function is thereafter determined
on evidence satisfactory to Chubb Life to be permanent.
“Loss of Use” shall mean the total and irrecoverable loss of function of an arm, hand, foot, leg or thumb and index finger of the
same hand provided such loss of function is continuous for 12 consecutive months and such loss of function is thereafter
determined on evidence satisfactory to Chubb Life to be permanent.
“Brain Death” means irreversible unconsciousness with total loss of brain function; and complete absence of electrical activity of
the brain, even though the heart is still beating.

Your Group Benefits (D) 35

“Coma” means the Insured has been in a state of unconsciousness for a continuous period of at least 96 hours, during which
external stimulation produced no more than primitive avoidance reflexes. A Physician who is certified as a neurologist must
confirm diagnosis in writing.

All benefits that are payable at 200% of the Principal Sum are subject to an all policies combined maximum benefit amount of
$1,000,000.

Repatriation Benefit
When injuries result in loss of life of an Insured Person outside 150 km from their city of permanent residence or outside Canada
and the loss of life occurs within 365 days from the date of the accident, Chubb Life will pay the actual expense incurred for
preparing the deceased for burial and shipment of the body to the city of residence of the deceased, but not to exceed $15,000.

Rehabilitation Benefit

When injuries result in a payment being made by Chubb Life under any benefit excluding the Loss of Life Benefit, Chubb Life will
also pay the reasonable and necessary expenses actually incurred up to a limit of $15,000 for special training of an Insured
Employee provided:
a. such training is required because of such injuries and in order for an Insured Employee to become qualified to engage in
an occupation in which he or she would not have been engaged except for such injuries;
b. expenses are to be incurred within two years from the date of the accident;
c. no payment will be made for ordinary living, travelling, or clothing expenses.

Family Transportation Benefit

When injuries result in an Insured Person confinement as an in-patient in a hospital outside 150 km from an Insured Person’s city
of permanent residence or outside Canada and requires personal attendance of a “Family Member” as recommended by the
attending physician, in writing, Chubb Life will pay for the expense incurred by the member of the family, for the transportation by
the most direct route by a licensed common carrier to an Insured Person, while confined, but not to exceed $15,000.
“Family Member” means spouse, parent or stepparent, child or stepchild or brother or sister, stepbrother or stepsister, brother-
in-law or sister-in-law, mother-in-law or father-in-law, and son-in-law or daughter-in-law.

Spousal Occupational Training Benefit

When injuries result in a payment being made by Chubb Life under the Loss of Life Benefit, Chubb Life will pay in addition the
expenses actually incurred, within 365 days from the date of the accident, by the spouse of an Insured Employee for a formal
occupation training program for the purpose of specifically qualifying such spouse to gain active employment in an occupation for
which the spouse would otherwise not have sufficient qualifications. The maximum payable hereunder is $15,000.

Home Alteration and Vehicle Modification Benefit

In the event an Insured Person sustains an injury which results in a payment being made under the Schedule of Losses, excluding
the Loss of Life Benefit, and such injury subsequently requires the use of a wheelchair to be ambulatory, Chubb Life will pay the
reasonable and necessary expenses actually incurred within 365 days from the date of the accident for:
1. the one-time cost of alterations to an Insured Person’s principal residence to make it wheelchair accessible and habitable;
and
2. the one-time cost of modifications necessary to a motor vehicle utilized by an Insured Person to make the vehicle
accessible or operable for an Insured Person.
Benefit payments herein will not be paid unless:
i. home alterations are made by a person or persons experienced in such alterations and recommended by a recognized
organization, providing support and assistance to wheelchair users; and
ii. vehicle modifications are carried out by a person or persons with experience in such matters and modifications are
approved by the Provincial vehicle licensing authorities.
The maximum payable under both items 1 and 2 shall be 10% of an Insured Person’s Principal Sum amount to a maximum of
$50,000.

Your Group Benefits (D) 36

Day Care Benefit
If an Insured Person suffers a loss of life in a covered accident while the policy is in force, Chubb Life will pay, in addition to all
other benefits payable under the policy a Day Care Benefit equal to the reasonable and necessary expenses actually incurred,
subject to the lesser of 5% of an Insured Person’s Principal Sum amount or a maximum of $5,000 per year, on behalf of any
dependent child who is enrolled in a legally licensed day care centre on the date of the accident or who enrolls in a legally licensed
day care centre within 365 days following the date of the accident.
The “Day Care Benefit” will be paid each year for four consecutive years, but only upon receipt of satisfactory proof that a child is
enrolled in a legally licensed day care centre.
“Dependent Child” means the Employee’s eligible unmarried natural, adopted, step child or common law child under 12 years of
age who is principally dependent on the Employee or the Employee’s spouse for financial support.

Special Education Benefit

If an Insured Person suffers a loss of life in a covered accident while the policy is in force, Chubb Life will pay, in addition to all
other benefits payable under the policy, a Special Education Benefit up to 5% of an Insured Person’s Principal Sum amount,
(subject to a maximum of $5,000 per year), on behalf of any dependent child who, on the date of the accident, is enrolled as a full-
time student in any post-secondary institution of higher learning or was at the 12th grade level and subsequently enrolls as a full-
time student in any post-secondary institution of higher learning within 365 days following the date of the accident.
The “Special Education Benefit” is payable annually for a maximum of four consecutive annual payments but only if the dependent
child continues his or her education as a full-time student in an institution of higher learning.

Bereavement Benefit
When injuries covered by the policy result in loss of life of an Insured Person within 365 days from the date of the accident, Chubb
Life will pay the reasonable and necessary expenses actually incurred by the spouse and dependent children of an Insured Person
for up to six sessions of grief counseling, by a “Professional Counsellor”, subject to a maximum of $1,000.
“Professional Counsellor” means a therapist or counsellor who is licensed, registered or certified to provide such treatment.

In-Hospital Confinement Monthly Income

In the event an Insured Person sustains an injury which results in a payment being made under the Schedule of Losses, excluding
the Loss of Life Benefit, and an Insured Person is hospital confined as an in-patient and is under the care of a legally qualified and
registered physician or surgeon other than himself or herself, Chubb Life will pay for each full month, 1% of an Insured Person’s
Principal Sum amount, subject to a maximum amount of $2,500, or 1/30 of such monthly benefit for each day of partial month,
retroactive to the 1st full day of such confinement but not to exceed 365 days in the aggregate for each period of hospital
confinement.
“Hospital” as used herein means a legally constituted establishment which meets all of the following requirements: (1) operates
primarily for the reception, care and treatment of sick, ailing or injured persons as in-patients; (2) provides 24 hour a day nursing
service by registered or graduate nurses; (3) has a staff of one or more licensed physicians available at all times; (4) provides
organized facilities for diagnosis and surgical facilities; and (5) is not primarily a clinic, nursing home or convalescent home or
similar establishment nor, other than incidentally, a place for alcoholics or drug addicts.
“In-Patient” means a person admitted to a hospital as a resident or bed-patient and who is provided at least one day's room and
board by the hospital.

Your Group Benefits (D) 37

Cosmetic Disfigurement
If an Insured Person suffers a third degree burn due to an accident, Chubb Life will pay a percentage of the Principal Sum
depending on the area of the body which was burned according to the following table, subject to a maximum benefit payable of
$25,000:

Body Part % of Principal Sum Payable

Face, Neck, Head ............................................................................................................................................................................. 100%

Hand & Forearm ............................................................................................................................................................................... 25%

Either Upper Arm............................................................................................................................................................................... 15%

Torso (Front or Back) ....................................................................................................................................................................... 35%

Either Thigh ....................................................................................................................................................................................... 10%

Either Lower Leg (below knee) ........................................................................................................................................................ 25%

In the event of a 50% surface burn, the % of benefit is reduced by 50%. This table only represents the maximum percent of the
Principal Sum payable for any one accident. If the Insured suffers burns in more than one area as a result of any one accident,
benefits will not exceed a maximum of $25,000.

Seat Belt Benefit

In the event an Insured Person sustains an injury which results in a payment being made under the Schedule of Losses, an Insured
Person Principal Sum amount will be increased by 10% to a maximum of $25,000 if, at the time of the accident, an Insured Person
was driving or riding in a vehicle and wearing a properly fastened seat belt. Due proof of seat belt use must be provided as part of
the written proof of loss.
“Vehicle” means a private passenger car, station wagon, van, or jeep-type automobile. “Seat Belt” means those belts that form a
restraint system.

Identification Benefit
In the event accidental loss of life is sustained by an Insured Person not less than 150 km from an Insured Person’s normal place of
residence and identification of the body by a “Family Member” has been requested by the police or a similar governmental
authority, Chubb Life will reimburse the reasonable expenses actually incurred by such member for:
a. transportation by the most direct route to the city or town where the body is located; and
b. hotel accommodation in such city or town, subject to a maximum duration of three days.
The reimbursement of such expenses incurred is subject to the accidental Loss of Life Benefit being subsequently payable in
accordance with the terms of the policy following the identification of the body as an Insured Person. The maximum amount
payable will not exceed $15,000 for all such expenses.

Payment will not be made for board or other ordinary living, travelling or clothing expenses, and transportation must occur in a
vehicle or device operated under a license for the conveyance of passengers for hire.
“Family Member” means spouse, parent or stepparent, child or stepchild or brother or sister, stepbrother or stepsister, brother-
in-law or sister-in-law, mother-in-law or father-in-law, and son-in-law or daughter-in-law.

Conversion Privilege
On the date of termination of employment or during the 31-day period following termination of employment, an Insured Person
may convert his or her insurance to an individual ACCIDENTAL DEATH and DISMEMBERMENT only insurance policy of Chubb
Life. The individual policy will be effective either as of the date that the application is received by Chubb Life or on the date that
coverage under the group policy ceases, whichever occurs later. The premium will be the same, as a person would ordinarily pay
when applying for an individual policy at that time.

Your Group Benefits (D) 38

Exposure and Disappearance
Loss resulting from unavoidable exposure to the elements shall be covered to the extent of the benefits afforded an Insured Person.
If the body of an Insured Person has not been found within one year of disappearance, stranding, sinking or wrecking of the
conveyance in which an Insured Person was riding at the time of the accident, it shall be presumed, subject to all other conditions
of the policy, that an Insured Person suffered a loss of life resulting from bodily injuries sustained in the accident covered under the
policy.

Waiver of Premium
If an Insured Employee, under age 65, becomes totally disabled for six consecutive months and an Insured Employee provides
evidence of total disability satisfactory to Chubb Life Insurance, Chubb Life Insurance will then waive the payment of each
premium which falls due with respect to an Insured Employee and any Insured Dependents. Subject to all the terms and
conditions of the policy, waiver of any premium as herein provided will continue with respect to an Insured Employee until age 65
or earlier termination of the policy. If an Insured Employee ceases to be disabled and an Insured Employee returns to
employment with the Policyholder and is a member of an eligible class, insurance with respect to an Insured Employee may be
continued upon resumption of premium payments by an Insured Employee or the Policyholder.
If after 120 days, an Insured Employee receives approval of any long term disability claim provided under a policy of group
insurance through the Policyholder, Chubb Life will then waive the payment of each Accidental Death and Dismemberment
insurance premium subject to the terms stated above.

Recurrent Disabilities
When an Insured Employee becomes totally disabled again from the same or related causes within six months of cessation of the
Waiver of Premiums, then all such recurrences will be considered a continuation of the same disability and Chubb Life will waive
the six month qualification period.
If the same disability recurs more than six months after cessation of the Waiver of Premiums, such disability will be considered a
separate disability. Two disabilities which are due to unrelated causes are considered separate disabilities if they were separated by
a return to work of at least one day.
Termination of Waiver of Premium
Waiver of Premiums will cease on the earliest of:
a. the date an Insured Employee ceases to meet the policy’s definition of totally disabled;
b. the date an Insured Employee does not supply Chubb Life with appropriate medical evidence as deemed necessary by
Chubb Life;
c. the date an Insured Employee is no longer receiving regular, ongoing care and treatment of a Physician appropriate for the
disabling condition, as determined by Chubb Life;
d. the date an Insured Employee does not attend a medical, psychiatric, psychological, functional, educational and/or
vocational examination evaluation by an examiner selected by Chubb Life;
e. the date the policy terminates;
f. the date an Insured Employee turns 65; or
g. the date an Insured Employee dies.
Coverage During Waiver of Premium
While premiums are being waived, Basic Accidental Death and Dismemberment Insurance under the policy on an Insured
Employee will continue to be in force. The amount of such insurance will be the amount of insurance that was in effect
on the date of commencement of the disability, subject to any age reduction or termination shown in the policy.
“Totally Disabled or Total Disability” with respect to Waiver of Premium means disability resulting from injury or sickness
which prevents engagement in an Insured Person’s regular occupation for six consecutive months.

Continuance of Coverage
In the case of a Primary Insured who is (1) laid-off on a temporary basis, (2) temporarily absent from work due to short-term
disability, or (3) on leave of absence, coverage shall be extended for a period of 12 months following the beginning of any such event
subject to payment of premiums.
In the case of a Primary Insured who is on maternity or parental leave coverage shall be extended for a period of up to 18 months
following the beginning of any such event subject to payment of premiums.

If an Insured assumes other occupational duties during the leave or lay-off period, no benefits shall be payable for a loss occurring
during the performance of such other occupation.
Your Group Benefits (D) 39
Exclusions
The plan does not cover any loss, which is the result of:
a. Intentionally self-inflicted injury, suicide or any attempt thereat;
b. Declared or undeclared war, or any act of war, terrorism, riot or insurrection, or service in the armed forces of any
country, government or international organization;
c. Travel or flying in an aircraft owned or leased by the Policyholder, an Insured or a member of an Insured’s household, or
aircraft being used for any test or experimental purpose, firefighting, power line inspection, pipeline inspection, aerial
photography or exploration except to the extent such travel or flight is provided in the “Hazards Insured Against” section
of this policy, if applicable);
d. Losses occurring while the Insured is serving on full-time active duty in the Armed Forces of any country or international
authority (any premium paid to be returned by the Company pro-rata for any such period of full-time active duty.
e. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from
providing insurance, including, but not limited to, the payment of claims. All other terms and conditions of the policy
remain unchanged.

General Provisions
Beneficiary

An employee or any spouse has the right to name a beneficiary when he applies for insurance. It is understood that the beneficiary
designation made under the Policyholder’s Group Life Insurance Policy shall be recognized as the beneficiary under the policy,
unless a further designation has been made that specifically identifies the policy. Failing such designation, all benefits will be paid
to the estate of the insured person.
All other indemnities of the policy will be payable to the insured person.
An insured person can change his beneficiary at any time, where permitted by law. The Company assumes no responsibility for the
validity of such designation or change of beneficiary.
The beneficiary designation made by the insured person (if any) under the replaced policy has been retained. The insured person
should review the existing designation to ensure it reflects his/her current intention.

The policy contains a provision removing or restricting the right of the insured person to designate persons to
whom or for whose benefit insurance money is to be payable.
Legal Actions
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, Limitations Act, 2002 or other applicable legislation in the
Insured’s province of residence.
Change of Insurer
An insured person under a former policy may not be excluded from the new policy or be denied benefits solely because of a pre-
existing condition limitation that was not applicable or that did not exist in the former policy, or because the person is not at work
on the date of coming into force of the new policy.
The insured person and any claimant under the policy has the right, as determined by law applicable in the insured person’s
province of residence, to obtain a copy of his/her application, any written evidence of insurability (as applicable) and the Policy, on
request, subject to certain access limitations.

How to Claim
In the event of a claim, claim forms can be obtained from the Plan Administrator.
Notice of claim must be given to Chubb Life within 30 days from the date of the accident, the beginning of the disability or after the
survival period, and
subsequent proof of claim must be submitted to Chubb Life within 90 days from the date of the accident or after survival period.
Failure to give notice of claim or furnish proof of claim within the time prescribed in the policy condition will not invalidate the
claim if the notice or proof is given or furnished as soon as reasonably possible and if it is shown that it was not reasonably possible
to give notice or furnish proof within the time so prescribed.
In no event, will Chubb Life accept notice of claim beyond one year.

Your Group Benefits (D) 40

Long-Term Disability
Insurer
This benefit is insured by Royal Bank of Canada.

GROUP INSURANCE BENEFIT SUMMARY - GENERAL

The following is only a summary of the insurance provided under this policy and must be read in context with
the rest of the provisions, terms and conditions of the policy.

Insurance Under
the Policy: Insurance Benefit Classes Insured

▪ Long Term Disability (LTD) 2

Description of All Eligible Class(es)

of Employees: 2. All Other Eligible Employees

Eligibility Requirements
Under the Policy: An employee must:

▪ Be a resident in Canada;
▪ Hold current and valid provincial or territorial health care plan
coverage in the province or territory where he resides;
▪ Be a permanent full - time employee;
▪ Be in active employment in Canada with the employer for at least 20
hours per week each week;
▪ Have completed a written enrollment card for this group insurance (if
applicable or by providing appropriate enrolment information); and
▪ Be in an Eligible Class of employees insured.

In addition to the above items, the employee must complete the waiting
period.

Waiting Period Under the For an eligible employee in active employment on or before the Effective
Policy: Date: Nil days of continuous active employment.

For an eligible employee in active employment after the Effective Date: Nil
days of continuous active employment.

Your Group Benefits (D) 41

 GROUP LONG TERM DISABILITY (LTD) BENEFIT SUMMARY
Eligible Class(es): Class 2

Definition of Disability: Residual Disability

Monthly Payment
Calculation: 1. Multiply the first $5,500 of the employee’s pre-tax monthly earnings by
66.667%.
2. Multiply any portion of the employee's pre-tax monthly earnings in excess of
$5,500 by 45%.
3. Add the answers from Item 1 and Item 2 together and round the sum to the next
higher $1.00, if not already a multiple of $1.00.
4. The maximum monthly amount is $7,000.
5. Compare the answer from Item 3 with the maximum monthly amount. The
lesser amount is the employee’s gross monthly benefit.
6. Subtract 100% of direct benefit offsets from the answer from Item 3.
7. Multiply the employee’s post-tax monthly earnings by 85%.
8. Subtract 100% of direct and indirect benefit offsets from the answer from Item
7.

The monthly payment is the least of Items 5, 6 or 8; however, the monthly

payment will not be less than the minimum monthly benefit.

The employee’s monthly payment may be reduced by disability earnings.

Some disabilities may not be covered or may have limited insurance

under this policy.

Minimum Monthly

Benefit: $100 per month

No-Evidence $7,000
Maximum:

If an employee’s gross monthly benefit increases because of an increase

to the no-evidence maximum, the increase to the employee’s gross
monthly benefit may be limited by the Pre-Existing Condition
Limitation.

Elimination Period: 120 calendar days

Regular Occupation
Period: 2 years

Your Group Benefits (D) 42

Maximum Period of
Payment: Age at Disability Maximum Period of Payment
Less than age 65 To age 65, but not less than 1 year

No premium payments are required for the employee’s insurance

while he is receiving LTD payments under this policy.

Daily Rate Of Benefit

Calculation: 1/30th

Your Group Benefits (D) 43

Other Standard
Features:
NOTE: Please refer to the As described in the benefit provision, benefits provided under this policy
specific benefit provisions include the following based on eligibility:
for exact details.

Other Standard Features: Included / Maximum:

Continuity of Coverage: Yes

Pre-Existing Conditions: 3/12

Survivor Benefit: Yes – 3 months

Worksite Modification Benefit: the greater of:

▪ $1,000, or
▪ the equivalent of 2 months of the
employee’s monthly payment.

Work Life Assistance Program Yes

Best Doctors® Yes

Employer Selected
Benefits:
NOTE: Please refer to the As described in the benefit provision, benefits provided under this policy
specific benefit provisions include the following based on eligibility:
for exact details.

Employer Selected Benefits: Included / Maximum:

Rehabilitation and Return To Work 10% of the employee’s gross monthly

Assistance Benefit: benefit to a maximum of

$1,000 per month

Total Benefit Cap: 110% of monthly earnings if the

employee is participating in the
rehabilitation and return to work

Your Group Benefits (D) 44

 Dependent Care Expense Benefit: $350 per month, per dependent;

but not to exceed $1,000 per month for all

Dependent Care Expenses combined

Conversion Benefit: Yes

Cost of Living Benefit: 3%

Spousal Disability (SD) Benefit: Spouse insured (when the

employee becomes insured under the

LTD benefit shown above) for disability
occurring while insured causing loss of at
least 2 activities of daily living or
cognitive impairment.

Spouse does not have to be employed

outside the home.

SD Conversion: No Conversion Benefit available under

this benefit.

SD Amount: $1,000 per month to a lifetime maximum

period of payment of 2 years.

SD Increases: Any increases in insurance will be subject

to a pre-existing conditions limitation.

SD Elimination Period: 60 consecutive calendar days.

SD Pre-Existing Conditions: 6/6

SD Benefits Cease: On the earliest of:

▪ the date the spouse is no longer

disabled;
▪ the end of the maximum period of
payment as shown above under SD
Amount; or
▪ the date the spouse dies.

Your Group Benefits (D) 45

 LTD Taxability: The employer has established this Group Long Term Disability plan
with the express intention and understanding that the monthly payment is
to be a non- taxable benefit to the employee in accordance with the
Income Tax Act, as amended from time to time.

Cost Contribution: The employee pays the full cost of the insurance.

Termination of
Coverage: The earlier of the date the employee retires or turns 65.

Your Group Benefits (D) 46

 GENERAL DEFINITIONS

The following definitions are used throughout the entire policy. Definitions that are specific to a particular benefit are
listed in that benefit section.

NOTE: In this booklet reference to the masculine gender will be deemed to also include the feminine.

Active employment means you are:

▪ working for your employer on a permanent full-time basis in Canada for earnings that are paid regularly;
▪ performing the material and substantial duties of your regular occupation; and
▪ working or be scheduled to be working for at least the minimum number of hours per week each and every week*
shown in the Group Insurance Benefit Summary - General.

*If the minimum number of hours worked is other than each and every week, we must be informed by your employer
prior to the policy coming into effect. Otherwise we reserve the right to deny insurance to employees working on such a
non-standard basis.

Normal vacation is considered active employment. Your work site must be:

▪ your employer's usual place of business in Canada;

▪ an alternative work site in Canada at the direction of your employer, including your home in Canada; or
▪ a location outside Canada, at the direction of your employer, provided you do not work at this location for more
than 12 months and provided the location is not in any country of concern, as determined and published by us from
time to time. Any work site located in a country of concern, as determined and published by us from time to time,
must be pre-approved in writing by us.

Any work site outside of Canada must be pre-approved in writing by us.

Child or children means, if insured under this policy, a resident who is yours or your spouse’s own natural offspring,
lawfully adopted child, stepchild, or other child who is dependent on you for financial support.

A child must be:

▪ at least
(i) with respect to Group Dependent Life Insurance (if provided under this policy), live birth but not yet
attained age 21; or
(ii) age 21 but not yet attained age 26 and be attending an accredited educational institution, college or
university recognized by the Canada Revenue Agency on a full-time basis. Satisfactory proof of full-
time student attendance must be submitted to us; and
▪ not married or in any other formal union recognized by law; and
▪ dependent on you for financial support.

A child insured under the policy, who is incapacitated due to a mental or physical disability on the date he reaches the
age when he would otherwise cease to be an eligible dependent, will continue to be an eligible dependent under the
policy.

Your Group Benefits (D) 47

A child is considered incapacitated if he is incapable of supporting himself or engaging in any substantially gainful
activity, and is dependent on you for financial support, maintenance and care, within the terms of the Income Tax Act,
due to a mental or physical disability.

We may require written proof of the child’s condition as often as may reasonably be necessary.

Claimant means you or a beneficiary who has submitted a claim for benefits under the policy to us. Claimant will also
include the legal representative of an insured who is incapacitated, incompetent or a minor.
Where allowed by law, the term will mean any person who submitted a claim for benefits under the policy to us.

Compassionate care leave of absence means a period of absence allowed by federal or provincial law for you to care
for a family member (as defined in the law) who has a serious medical condition which has significant risk of death.

Crime includes any actions which would be an offence under the Criminal Code or the Controlled Drugs and
Substances Act, whether or not the actions occurred in Canada.

Dependent means, if insured under this policy, a resident who is your spouse and a resident who is yours and/or
your spouse’s child.

Any child who is insured under the policy as an employee is not a dependent. When two spouses are both insured as
employees under the policy, both may cover children for Dependent Term Life insurance (if insured under this policy).

Employee means a person who is:

▪ in active employment in Canada with the employer; and

▪ permanently domiciled in Canada and is a resident in Canada; and
▪ insured under a Canadian provincial or territorial health care plan (including any extension) of his
province/territory of residence.

An employee is also deemed to include a partner, sole proprietor or a teacher, if insured under this policy.

Temporary and seasonal workers are excluded from insurance. No coverage will be extended to a person who is not an
employee unless an exception is applied for and approved in writing by the Company.

Employer means the policyholder, and includes any division, subsidiary or affiliated company named in the Group
Insurance Benefit Summary - General.

Evidence of insurability means a statement of a person’s medical history which we will use to determine if the person is
approved for insurance. In addition to the information the person supplies on the application or other required
documentation, we may require other proof of the person’s medical history which includes but is not limited to test
results, medical examinations, and physician statements. We may also require that an insurability assessment be
performed. Evidence of insurability must be provided at the person’s own expense.
Your Group Benefits (D) 48
Full-time means a normal work schedule of at least the minimum number of hours per week each week as shown in the
Group Insurance Benefit Summary - General for 52 weeks per year including paid vacation.

Grace period means the 31 days following the Premium Due Date during which premium and any applicable tax
payment may be made. Insurance will continue in force during the grace period. If the full premium and tax due is not
paid within the grace period, the policy will terminate for non-payment of premium at the end of the 31 days. The full
premium and tax for the grace period will nevertheless be due and payable.

Hospital or institution means an accredited facility licenced to provide care and treatment for the condition causing the
disability, loss, injury or sickness.

Insured means you, your spouse or child who is insured under the policy.

Late entrant means a person (including you) for whom you:

▪ apply for insurance after the person has been eligible for more than 31 days ; or
▪ re-apply for insurance after that person’s insurance had earlier been cancelled.
It also means you, after having previously waived benefits under the policy because you were covered for similar
benefits under your spouse’s plan:
▪ apply for insurance more than 31 days after your benefits terminated under your spouse’s plan; or
▪ apply for insurance even though benefits under your spouse’s plan have not terminated.

Layoff or leave of absence means you are, for non-medical reasons, temporarily absent from active employment

for a period of time that has been agreed to in advance in writing by your employer.

Your normal vacation time, statutory leave or any period of disability is not considered a temporary layoff or leave of
absence.

Legislation, plan or act means the original enactments of the legislation, plan or act and all amendments.

Maximum benefit means the maximum amount payable under the policy for a valid claim for a particular benefit.

Payable claim means a valid claim for which we are liable under the terms of the policy. The actual submission of a
claim for benefits does not, in itself, constitute a payable claim under the policy. Each claim for benefits is adjudicated
on an individual basis.

Your Group Benefits (D) 49

Physician means:

▪ a person who is licenced to practice medicine, to prescribe and administer drugs or to perform surgery; or
▪ a person with a doctoral degree in Psychology (Ph.D. or Psy.D.) whose primary practice is treating patients.

The physician must be performing tasks that are within the limits of his medical licence. We will not recognize you or
your spouse, child, parent or sibling as a physician for a claim that the insured submits to us. Policyholder means the
employer or legal entity to whom the policy is issued.
Pregnancy leave of absence or parental leave of absence means:
▪ a period of time no longer than federally or provincially required that is agreed to between you and your employer
prior to the actual absence or as defined by your employer's pregnancy leave of absence policy and/or parental
leave of absence policy;
▪ any period of formal pregnancy and/or parental leave you are entitled to under federal or provincial legislation
governing your employer; or
▪ any period during which you receive pregnancy leave benefits, parental leave benefits, and pregnancy-related
sickness benefits, or any combination of these benefits under the Employment Insurance Act or the Quebec Parental
Insurance Plan.

For the purposes of parental leave of absence, a parent includes natural and adoptive parents, as well as the person in a
relationship of some permanence with a natural or adoptive parent of the child who intends to treat the child as his own.

Provincial or territorial health care plan means the body of provincially/territorially enacted laws, as amended from
time to time, governing provincial or territorial health insurance plans which provide health insurance to residents of
Canada.

Resident means a person who:

▪ is legally entitled to be or to remain in Canada;

▪ makes his home in, and is ordinarily present in, a province or territory of Canada; and
▪ satisfies the requirements for Canadian provincial or territorial health care plan coverage.
Spouse means, if insured under the policy, a resident and:

▪ is legally married to you; or

▪ if you are not married, is a person whom you have publicly represented as your spouse and with whom you have
resided continuously for at least 12 months in a conjugal-like relationship, civil union, adult interdependent
relationship, or any other formal union defined and recognized by law and who is:
▪ at least 18 years of age or of legal age to marry;
▪ competent to contract; and
▪ not related by blood closer than would legally bar marriage.

Only one spouse will be eligible for insurance under this policy, and will be as indicated by the employee on his
application for insurance under this policy. Where this information is not contained on his application, the person who
qualifies last under this policy’s definition of spouse will be the eligible spouse.

Statutory Leave means any specified period of leave during which you are entitled to be absent from work in
accordance with federal or provincial legislation, and it includes compassionate care leave of absence and pregnancy
leave of absence or parental leave of absence.

Your Group Benefits (D) 50

Waiting period means the continuous period of time that you must be in active employment in an Eligible Class
before you are eligible for insurance under the policy.

We, us, our or the Company means RBC Life Insurance Company.

You and your means a person who is eligible for RBC Insurance coverage.

Your Group Benefits (D) 51

 GENERAL INFORMATION

Employee Eligibility

You are eligible for insurance under the policy if you:

▪ are a member of an ELIGIBLE CLASS OF EMPLOYEES defined in the GROUP INSURANCE BENEFIT SUMMARY -
GENERAL;
▪ have completed the applicable WAITING PERIOD UNDER THE POLICY specified in the GROUP INSURANCE BENEFIT
SUMMARY - GENERAL;
▪ meet all other eligibility requirements as outlined in the GROUP INSURANCE BENEFIT SUMMARY - GENERAL; and
▪ meet any eligibility requirements outlined in this section.

You must request insurance in writing by supplying the required enrolment information, such as but not limited
to,employee census data or an enrolment card (if applicable) to us.

Employees of any corporation or other business formally associated or affiliated with the employer as a subsidiary or
otherwise are eligible for insurance, provided that such an organization is on record with us as being eligible for
insurance under the policy.

Dependent Eligibility

If insured under the policy, you will become eligible for dependent insurance on the later of:
▪ the date your insurance begins; or
▪ the date you first acquire a dependent.

You must submit a written application and evidence of insurability (if required) for the dependent insurance. Each
additional dependent will become insured on the date the dependent becomes eligible for insurance.

In no event will your dependent be insured before you are insured.

When Insurance Begins

Your insurance (subject to premium payment) begins at 12:01 a.m. on the latest of:
▪ the date you become eligible for the insurance, if you applied for insurance on or before that date;
▪ the date we receive enrolment/application information for your insurance; or
▪ the date we approve your evidence of insurability, if required.

Absent When Insurance Would Normally Begin: Leave of Absence, Temporary Layoff, Strike, Lockout

If, on the date insurance would normally begin, you are absent from active employment due to leave of absence,
temporary layoff or lawful strike or lockout, and you return to active employment within 6 months of the date insurance
would normally begin, your insurance will begin on the date you return to active employment. However, if you return to
active employment more than 6 months after your insurance would normally begin, your insurance will begin after you
have again been in active employment for a period equal to your WAITING PERIOD UNDER THE POLICY.
Your Group Benefits (D) 52
Absent When Insurance Would Normally Begin: Statutory Leave

If, on the date insurance would normally begin, you are absent from active employment due to statutory leave, your
insurance will still begin if you have decided to maintain insurance and if premiums are paid during your statutory
leave. You may maintain insurance until 31 days after the date that your statutory leave ended. If you do not return to
active employment within 31 days after the date that your statutory leave ended, your insurance will end.

However, if you have decided not to maintain insurance during your statutory leave, your insurance will begin on the
date you return to active employment, provided that you return to active employment within 31 days of the date that
your statutory leave ended.

Absent When Insurance Would Normally Begin: Sickness or Injury

If, on the date insurance would normally begin, you are absent from active employment due to sickness or injury,
then:

▪ you may be enrolled for Group Accidental Death and Dismemberment Insurance, subject to the Continuity of
Coverage provision;
▪ you may be enrolled for Group Long Term Disability Insurance, subject to the Continuity of Coverage provision.
If your insurance is subject to evidence of insurability, you will be deemed to be a late entrant if we approve any
evidence of insurability previously submitted by you but you do not return to active employment within the time
required by our guidelines in effect on the date we approved the evidence of insurability. In such event, we reserve the
right to require you to resubmit current evidence of insurability.

If a dependent (if insured under this policy) is hospitalized on the date insurance (initial, additional or any increase)
would normally begin, the dependent’s insurance or any additional or increase in insurance for that dependent will
begin on the date he is discharged from hospital. This is not applicable to a newborn child.

Late Entrants

We reserve the right to deem you a late entrant if you were absent from active employment on the date your coverage
would normally begin as specified in the sections above.

All premiums and applicable tax payments are due and payable as of your effective date of insurance.

Changes In Insurance

Changes in the amount of insurance or benefits may occur as the result of an employment status change, the addition of
a benefit or a change to a benefit. Any resulting changes take effect on the date of the change in status or benefits.

The following exceptions apply if the result of the change is an increase in insurance:
▪ if evidence of insurability is required, the increase cannot take effect before we approve the evidence of
insurability; and/or
▪ if you are not in active employment when the change occurs or when we approve the evidence of insurability, the
increase will not take effect until you return to active employment.
Your Group Benefits (D) 53
If you are not in active employment due to injury, sickness, temporary layoff or leave of absence, or lawful strike or
lockout, any increased or additional insurance will take effect the later of:

▪ the date you return to active employment; or

▪ the date we approve your evidence of insurability form, if evidence of insurability is required.
Any decrease in insurance will take effect immediately but will not affect a payable claim that occurs prior to the
decrease.

Evidence Of Insurability

We require evidence of insurability when you:

▪ are a late entrant;

▪ are eligible and apply for insurance or an increase in insurance above any no-evidence maximum;
▪ voluntarily cancelled insurance and are re-applying for insurance; or
▪ were previously eligible for insurance but waived coverage under the policy but is now applying for the insurance.
If such benefits are insured under the policy, we also require evidence of insurability when you:

▪ apply for any Group Optional Term Life insurance coverage, (initial, increased or additional) for your dependents;
▪ make written application for dependent insurance (Group Basic Term Life, Group Optional Term Life) more than
31 days after the date the dependent becomes eligible;
▪ voluntarily cancel the Group Basic Term Life insurance for your dependent while your dependent remains
eligible for the insurance, and then reapply for the insurance at a later date; or
▪ waive the Group Basic Term Life insurance for your eligible dependent and then apply for the insurance at a later
date.

When Your Insurance Ends

Your insurance ends on the earliest of the following dates:

▪ the date your active employment ends;
▪ the date you are no longer in active employment except as set out in the continued insurance provisions for:
▪ Leave of Absence, Temporary Layoff, Strike or Lockout;
▪ Statutory Leave;
▪ Sickness or Injury;
▪ the date you are no longer in an Eligible Class;
▪ the date you no longer meet the eligibility requirements as specified in the Group Insurance Benefit Summary -
General;
▪ the end of the period for which premiums have been paid to us for your insurance; or
▪ the date the policy ends.

However, the ending of your insurance will not prevent a payable claim for:

▪ your death or other loss that is caused by an accident that occurred before the end of your insurance; or
▪ your disability that commenced before the end of your insurance.

Any benefit may end on an earlier or later date as specified in the applicable Benefit Summary.

Any benefit may end on an earlier or later date as specified in the applicable BENEFIT SUMMARY.

Your Group Benefits (D) 54

Continued Insurance - Leave of Absence, Temporary Layoff, Strike or Lockout

Once your insurance begins, if you cease to be in active employment due to a leave of absence, temporary
layoff, strike or lockout, your Group Short Term Disability Insurance (if provided under this policy) and Group
Long Term Disability Insurance (if provided under this policy) may be continued on a premium paying basis for
up to 90 days after your leave of absence, temporary layoff, strike or lockout begins, and your other insurance
may be continued on a premium paying basis for up to 180 days after your leave of absence, temporary layoff,
strike or lockout begins.

Continued Insurance – Statutory Leave

Once your insurance begins, if you cease to be in active employment due to a statutory leave, you may
continue all insurance on a premium paying basis for the duration of the statutory leave. If you do not continue
your insurance on a premium paying basis, your insurance will end.

If your insurance ends because you do not continue your insurance on a premium paying basis during your
statutory leave, your insurance may begin again on the date you return to active employment if you return to
active employment within 31 days of the date that your statutory leave ended. However, you will be treated as
a new employee for the purposes of the Pre-Existing Condition Limitation (if any), and your previous service
while in an ELIGIBLE CLASS will not be credited toward the Pre-Existing Condition Limitation. If you return to
active employment more than 31 days after the date that your statutory leave ended, you will be treated as a
new employee and will be subject to all requirements applicable to new employees.

If you have continued insurance on a premium paying basis during your statutory leave, you must return to active
employment within 31 days of the date that your statutory leave ended in order for insurance to continue. If you do
not return to active employment within 31 days of the date that your statutory leave ended, your insurance will end.

Continued Insurance - Sickness or Injury

Once insurance begins, if you cease to be in active employment due to sickness or injury, the following provisions will
apply to your insurance:

Your Basic Life Insurance, Optional Life Insurance, and Accidental Death & Dismemberment Insurance (if provided
under this policy) may be continued on a premium paying basis until the date your employer terminates your
employment. You may also submit a claim for Waiver of Premium. If we approve your claim, your Basic Life Insurance,
Optional Life Insurance, and Accidental Death & Dismemberment Insurance will be continued as described in the
Waiver of Premium provisions.

Your Short Term Disability Insurance and Long Term Disability Insurance (if provided under this policy) may be
continued on a premium paying basis for a period of time that is equal to the longer of:
▪ the length of the Maximum Period of Payment for your Short Term Disability Insurance; or
▪ the length of the elimination period for your Long Term Disability Insurance.

Your Group Benefits (D) 55

If you become disabled after the date your Short Term Disability Insurance and Long Term Disability Insurance end,
no benefits will be payable. We will refund any premiums that were paid for your Short Term Disability Insurance or
Group Long Term Disability Insurance after the date your insurance ended.

If you submit a claim under your Long Term Disability Insurance and we approve your claim, your Long Term
Disability Insurance will be continued as described in the Waiver of Premium provision.

A type of insurance may be continued only if that type of insurance is identified in the BENEFIT SUMMARY

Employment / Labour Standards Extension Of Insurance

All of your insurance under the policy will terminate when your employment terminates. However, if your employer
has terminated your employment and your employer is required to extend insurance coverage or benefits to you during
a termination notice period prescribed by any federal or provincial employment or labour standards legislation, the
insurance under the policy may be extended for such period. In order to extend insurance under the policy beyond such
period, your employer must request the continuation of insurance in writing and advise us of the date to which the
insurance must be continued and continue to remit the required premium. Your insurance will not extend beyond the
date that the policy terminates.

Return to Active Employment After Insurance Ends

If your insurance ends and you return to active employment, your insurance may begin again on the date you return to
active employment if:

▪ you return to active employment within 180 days after the date your active employment ended; and
▪ you had already completed your Waiting Period Under the Policy before the date your active employment
ended.

Your previous active employment while in an Eligible Class will be credited toward the Pre-Existing Condition
Limitation (if any). All other policy provisions will apply
The amounts of your insurance will be determined by your earnings and Eligible Class at the time that your insurance
begins again. If your earnings at the time your insurance begins again are lower than your earnings were at the time
your insurance ended, the amounts of your insurance coverage will relate to your lower earnings. However, if your
earnings at the time your insurance begins again are greater than your earnings were at the time your insurance ended,
the amounts of your insurance coverage may be subject to evidence of insurability, if we require it.

If your insurance ends and you return to active employment, you will be treated as a new employee and will be subject
to all requirements applicable to new employees if:

▪ you return to active employment more than 180 days after the date your active employment ended; or
▪ you had not completed your Waiting Period Under the Policy before the date your active employment ended.

If your insurance ends because you do not continue your insurance during a statutory leave, the provisions regarding
continued insurance during a statutory leave will apply instead of this section.

Your Group Benefits (D) 56

Fraud

It is a crime if you and/or your employer defrauds or deceives us, or knowingly provides any false information to the
Company. This includes knowingly filing a claim that contains any false, incomplete or misleading information. These
actions, as well as submission of materially false information, will result in denial of a claim, and are subject to
prosecution and punishment to the full extent of the law. The Company reserves the right to deny coverage to any
employee who presents a fraudulent claim. We will pursue appropriate legal remedies in the event of fraud.

Incontestability:

Any person required to provide evidence of insurability shall disclose, within the evidence of insurability, every
known fact that is material to the insurance applied for. If such person misrepresents or fails to disclose any such fact, the
insurance in respect of such person will be voidable by us. However, where the insurance in respect of such person has
been in effect continuously for two years, such insurance will not, except in the case of fraud, be voidable by us on the
basis of the misrepresentation or failure to disclose.

Except for fraud, no statements made by your employer or by you at the time of the application for the policy will be
used in defence of a claim under the policy unless it is contained in a written application or any other written
documentation to secure insurance.

Receiving And Releasing Data:

We will comply with all relevant legislation protecting personal information. Any person claiming benefits under the
policy must give us all necessary information and authorization needed for underwriting, administering and paying
claims.

Where allowed by law, on written request, we will provide you (or a claimant - to the extent that information is relevant
to a claim or denial of a claim) with a copy of your application for insurance and any record or written document that
you provided under the group policy as evidence of insurability. A reasonable fee will be charged for each copy after the
first if more than one copy of each document is requested.

Where allowed by law, on written request and with reasonable notice, we will provide you (or to a claimant as specified
above) with, or allow to be examined, a copy of the group policy. A reasonable fee will be charged for each copy after
the first if more than one copy of the group policy is requested.

You or a claimant will not be provided with any information contained in any document about any individual (other
than yourself or the claimant) insured under the group policy.

Your Group Benefits (D) 57

 Limitation Of Legal Action:

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 (for actions or proceedings governed by the laws of Alberta and British Columbia);
▪ the Insurance Act (for actions or proceedings governed by the laws of Manitoba);
▪ the Limitations Act, 2002 (for actions or proceedings governed by the laws of Ontario);
▪ the Quebec civil Code (for actions or proceedings governed by the laws of Quebec);
▪ other applicable legislation; or
▪ the time period set out below, whichever is later.

A legal action for money payable in the event of a person’s death may not be commenced against us after the later
of
1. 2 years after proof of claim has been provided; or
2. 6 years after the date of the death.

A legal action for payments under the Short Term Disability, Long Term Disability provisions, if such benefits are insured
under the policy, may not be commenced against us
1. more than 2 years after the date that the first payment became due, if we made no payments; or
2. more than 2 years after the date the next payment would have become due, if we began making payments and
then stopped.

A legal action for money payable for a loss other than death, Short Term Disability, Long Term Disability, if such benefits
are insured under the policy, may not be commenced against us
1. less than 60 days after the date that the money became payable or would have become payable if it had been a
valid claim; or
2. more than 2 years after the date the money became payable or would have become payable if it had been a valid
claim.

Your Group Benefits (D) 58

 CLAIMS INFORMATION

We encourage you or your beneficiary (if applicable) to notify us of any claim as soon as possible, so that a claim
decision can be made in a timely manner.

Claims Adjudication:

RBC Life Insurance Company will adjudicate all claims for benefits under the policy.

Requesting A Claim Form:

The claim form is available from your employer, or the claimant can request a claim form from us. If the claimant
does not receive the claim form from us within 15 days of his request, he should send us written proof of claim without
waiting for the form.

Written Notice Of Claim:

STD or LTD: (if insured under the policy)

Written notice of a Short Term Disability or Long Term Disability claim should be sent to us within 30 days after the
date the disability begins.

LIFE or AD&D: (if insured under the policy)

Written notice of a Life or AD&D claim should be sent to us within 30 days after the date the loss or death occurs.

LIFE or AD&D Waiver Of Premium: (if insured under the policy)

Written notice of a Waiver of Premium claim for Life (Basic and Optional) or AD&D should be sent to us within 12
months after the date the disability begins.

Written Proof Of Claim:

LIFE or AD&D Waiver Of Premium: (if insured under the policy)

For a Life or AD&D Waiver of Premium claim, you must send us first written proof of claim between the end of the
Waiver of Premium Elimination Period as shown in the applicable Benefit Summary and the 365th day after the date
the disability begins. If it is not possible to give proof of claim within such time period, it must be given no later than 1
year after the disability begins, except in the absence of legal capacity.

STD or LTD: (if insured under the policy)

Your Group Benefits (D) 59

For a Short Term Disability or Long Term Disability claim, you must send us written proof of claim no later than 90
days after the date the disability begins. If it is not possible to give proof of claim within 90 days, it must be given no
later than 1 year after the disability begins, except in the absence of legal capacity.

LIFE or AD&D: (if insured under the policy)

For a Life or AD&D claim, the claimant must send us written proof of claim no later than 90 days after the date the
loss or death occurs. If it is not possible to give proof of claim within 90 days, it must be given no later than 1 year after
the loss or death occurs, except in the absence of legal capacity.

Cost Of Proof Of Claim:

Costs incurred for proof of claim will be at your own expense.

Proof Of Continuing Disability:

Under a Short Term Disability or Long Term Disability claim (if insured under the policy), we may request that you
send proof of continuing disability and proof that you are under appropriate care. This proof must be received within
30 days of a request by us.

Additional Information:

We may require the claimant to provide appropriate consent to obtain additional medical information and to provide
non-medical information as part of the claimant's proof of claim or proof of continuing disability.

If the appropriate information is not submitted, we may not be able to properly adjudicate the claim and may deny the
claim or stop sending payments.

Type Of Claim Information Required:

Depending on the type of claim being submitted, the type of information that we will require from the claimant may
include, but is not limited to:
▪ proof the claimant is or was under appropriate care;
▪ appropriate documentation of earnings;
▪ appropriate documentation of the covered charge actually being incurred by an insured;
▪ the cause of disability, loss, or death;
▪ the date of disability, loss, death, or covered charge incurred;
▪ proof of death;
▪ the extent of disability or loss, including restrictions and limitations; and
▪ the name and address of any hospital or institution where treatment is received, including the names of all
attending physicians.

Proof Of Age:

We may require proof of age for each insured.

Your Group Benefits (D) 60

If the appropriate information is not submitted, we may not be able to properly adjudicate the claim and may deny the
claim or stop sending payments.

If an incorrect age is given, we may adjust benefits and premiums based on the true age.

Return To Work Notification:

Under a Short Term Disability or Long Term Disability claim (if insured under the policy), you must immediately
notify
us when you return to work in any capacity.

We Reserve The Right To Deny Claim Payment:

We reserve the further right to deny any claim if premiums were not paid in respect of the claimant. Overpayment Of

A Claim

We have the right to recover any overpayments due to issues such as, but not limited to:
▪ fraud;
▪ negligence on the part of your employer or claimant or any agent thereof;
▪ any error we make in processing a claim;
▪ your receipt of benefit offsets; and
▪ any claim paid during the grace period and the policy or benefit subsequently terminates for non-payment of
premium.

The claimant must reimburse us in full. We will determine the method by which the repayment is to be made. We may
reduce or suspend payments which would otherwise be made to the claimant in order to recover the overpayment.

We will not recover more money than the amount paid to the claimant.

Your Group Benefits (D) 61

 GROUP LONG TERM DISABILITY (LTD) INSURANCE BENEFIT

If you become disabled while insured, and remain continuously disabled through the elimination period, we will
commence and continue to make monthly payments as indicated in Payment Of LTD Benefits.

Benefit Specific Definitions

The following definitions are applicable to this benefit in addition to certain definitions under the GENERAL
DEFINITIONS section of this booklet.

Activities of daily living means, with respect to the Spouse Disability Benefit:

▪ Bathing - the ability to wash one’s self either in the tub or shower or by sponge bath with or without equipment or
adaptive devices;
▪ Dressing - the ability to put on and take off all garments and medically necessary braces or artificial limbs usually
worn;
▪ Toileting - the ability to get to, from, and on and off the toilet, to maintain a reasonable level of personal hygiene,
and to care for clothing;
▪ Transferring - the ability to move in and out of a chair or bed with or without equipment such as but not limited to,
canes, quad-canes, walkers, crutches or grab bars or other support devices including mechanical or motorized
devices;
▪ Eating - the ability to get nourishment into the body ; and
▪ Continence - the ability to either:
▪ voluntarily control bowel and bladder function; or
▪ if incontinent, be able to maintain a reasonable level of personal hygiene.

Appropriate care means:

▪ you personally visit a physician as frequently as is medically required, according to generally accepted medical
standards, to effectively manage and treat your disabling condition(s); and
▪ you are receiving and complying with the most appropriate treatment and care, which conforms with generally
accepted medical standards, for your disabling condition(s) by a physician whose specialty and experience is the
most appropriate for the disabling condition(s) according to generally accepted medical standards.

Appropriate care must not be limited solely to examinations or testing. Where, according to generally accepted
medical standards, the appropriate form of treatment for your disabling condition(s) is surgery, hospitalization, in-
patient treatment, hospital day treatment, or individual or group addiction support therapy, you must comply with such
form of treatment.

Benefit offsets mean benefits or payments from the sources listed as Benefit Offsets in the policy. As indicated in the
Monthly Payment Calculation in the Group Long Term Disability (LTD) Benefit Summary, we will subtract these
other benefits or payments in order to determine your monthly payment.

Your Group Benefits (D) 62

Cognitively impaired means, with respect to the Spouse Disability Benefit, that the insured has suffered a
deterioration or loss in his intellectual capacity which requires another person's assistance or verbal cueing to protect
himself or others as measured by clinical evidence and standardized tests which reliably measure the insured’s
impairment in the following areas:
▪ short or long term memory;
▪ orientation as to person (such as but not limited to who the insured is), place (such as but not limited to the
▪ insured’s location), and time (such as but not limited to current day, date and year); or
▪ deductive or abstract reasoning

Dependent means, with respect to the Dependent Care Expense Benefit:

▪ your child(ren) under the age of 15; and

▪ your child(ren) over the age of 15 or a family member who requires personal care assistance.
(Residual Disability)
Disability and disabled means you:

▪ are limited from performing the material and substantial duties of your regular occupation due to your
sickness or injury; and
▪ have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury.

After 24 months of payments, disability and disabled means that due to the same sickness or injury, you are unable to
perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience.

You must be under appropriate care in order to be considered disabled. Your disability must commence while you
are insured under the policy.

The unavailability of employment in an occupation does not, in itself, constitute disability.

The loss of a professional or occupational licence or certification does not, in itself, constitute disability.

Disability earnings means the earnings which you receive while you are disabled and working, plus the earningsyou
could receive if you were working to your maximum capacity.

Eligible survivor in order of entitlement means:

1. your current spouse, if living; or

2. your former spouse, if living, where long term disability benefits under your group insurance plan are
subject to a separation agreement or a judicial order that is still in effect;
3. your children who are under age 26 at the time the Survivor Benefit is payable.

If more than one person meets the definition of eligible survivor, we will pay only one benefit, which will be paid in
equal shares to the persons meeting the definition.

Your Group Benefits (D) 63

If any eligible survivor is a minor and there is no other person capable of giving proper discharge, we reserve the right to
pay the survivor benefit to the relevant provincial trustee for the benefit of the minor or to a legal representative of the
minor eligible survivor living in another jurisdiction. If we pay benefits in good faith to such person or trustee, we will
be fully discharged to the extent of the payment.

Elimination period means a period of continuous disability which must be completed before you are eligible to
receive benefits from us.

If you are temporarily outside of Canada and the United States of America when you become disabled, your
elimination period will begin and continue to accrue, however benefits (if any) will not become payable until you return
to Canada and have provided proof satisfactory to us.

Gainful occupation means an occupation that provides or can be expected to provide you with an income within 12
months of your return to work, that exceeds:
▪ 80% of your indexed monthly earnings, if you are working; or
▪ 60% of your indexed monthly earnings, if you are not working.

Gross monthly benefit means the monthly amount as determined by the Monthly Payment Calculation in the Group
Long Term Disability (LTD) Benefit Summary, before benefit offsets are subtracted. This is the amount against which
premiums for you are calculated.

Indexed monthly earnings means your monthly earnings adjusted after each 12-month period of monthly payments.
Your monthly earnings will be adjusted by the lesser of 10% or the current percentage change in the Consumer Price
Index (CPI). The annual percentage change in the CPI will be determined using the calendar month that is 3 months
before the calendar month in which the adjustment date occurs.

Your indexed monthly earnings may increase or remain the same, but will never decrease. The resulting adjustment to
your monthly earnings will be used until the next adjustment date.

The CPI is published by Statistics Canada. We reserve the right to use some other similar measurement if the
Government of Canada changes or stops publishing the CPI.

Indexed post-tax monthly earnings means your post-tax monthly earnings adjusted after each 12-month period of
monthly payments. Your post-tax monthly earnings will be adjusted by the lesser of 10% or the current percentage
change in the Consumer Price Index (CPI). The annual percentage change in the CPI will be determined using the
calendar month that is 3 months before the calendar month in which the adjustment date occurs. Your indexed post-tax
monthly earnings may increase or remain the same, but will never decrease. The resulting adjustment to your post-tax
monthly earnings will be used until the next adjustment date.

The CPI is published by Statistics Canada. The Company reserves the right to use some other similar measurement if
the Government of Canada changes or stops publishing the CPI.

Injury means a bodily injury that is the direct result of an accident and not related to any other cause.
Your Group Benefits (D) 64
Limited means that your ability is reduced.

Material and substantial duties means duties that:

▪ are normally required for the performance of your regular occupation; and
▪ cannot be reasonably omitted or modified, except that if you are required to work on average in excess of 40 hours
per week, we will consider you able to perform that requirement if you are working or have the capacity to work
40 hours per week.

Maximum capacity means, based on your restrictions and limitations:

▪ during the first 24 months of disability, the greatest extent of work you are able to do in your regular occupation;
and
▪ beyond 24 months of disability, the greatest extent of work you are able to do in any occupation, for which you
are reasonably fitted by education, training or experience.

Maximum period of payment means the longest period of time we will make payments to you for any one period of
disability.

Monthly earnings “Monthly earnings” or “pre-tax monthly earnings” means the average monthly rate of pay, before
deductions for federal and provincial taxes, received by the employee from the employer just prior to the date of
disability. It includes income actually received from bonuses for the prior calendar year just prior to the date of disability
but does not include commissions, overtime pay, or any other extra compensation, or income received from sources
other than the employer.

Bonuses will be averaged for the lesser of:

1. the prior calendar year’s 12 month period of employment just prior to the date of disability: or

2. the period of actual employment with the employer.

"Post-tax monthly earnings" means the average monthly rate of pay as defined above, less federal and provincial taxes. For
the purposes of any benefit calculation, monthly earnings will not be more than the amount of monthly earnings for
which premiums have been paid.
Monthly payment means the monthly amount to be paid to you, as determined by the Monthly Payment Calculation in
the Group Long Term Disability (LTD) Benefit Summary, after any benefit offsets have been subtracted but before any
reduction for disability earnings.

No-evidence maximum means the amount of insurance you may obtain without providing evidence of insurability.
The no-evidence maximum, until further written notice, is shown in the GROUP LONG TERM DISABILITY (LTD)
BENEFIT SUMMARY. On any Policy Anniversary the Company may establish a new no-evidence maximum.

Your Group Benefits (D) 65

If your gross monthly benefit would exceed the amount of the no-evidence maximum, you must submit an evidence
of insurability form. You will be covered for the gross monthly benefit in excess of the no-evidence maximum on
the date the Company approves your evidence of insurability form. The amount of the no-evidence maximum and
any changes to the amount of the no-evidence maximum will be communicated by the employer.

If your gross monthly benefit increases because of an increase to the no-evidence maximum, the increase to your
gross monthly benefit may be limited by the Pre-Existing Condition Limitation.

Part-time basis means the ability to work and earn between 20% and 80% of your indexed monthly earnings. Pre-
tax means prior to any deductions required by law.

Previous group policy means a policy of group insurance issued to your employer by another insurance company or
by us which provided long term disability coverage to the same group, or part of the group, insured under the policy, and
which terminated less than 31 days before the policy became effective.

Prudent person means a person who, with respect to his health, seeks care from an appropriate physician or medical
practitioner when symptoms appear, fills prescriptions written by his physician and takes medication as prescribed by his
physician.

Post-tax means after any deductions required by law. Such deductions will be limited to federal and provincial income
tax (calculated using Basic Personal Exemption only).

Recurrent disability means a period of disability which is:

▪ caused by a worsening in your condition(s); and

▪ due to the same condition(s) as your prior period of disability for which a benefit was paid.

Regular occupation means the occupation you are routinely performing when your disability begins. We will look at
your occupation as it is normally performed in Canada, instead of how the work tasks are performed for a specific
employer or at a specific location.

Rehabilitation and return to work assistance program means a formal plan that is developed by us or our agent to
assist you in the assessment of return to work potential and in returning to work. Such program may include the
following services and benefits:

▪ medical investigation and/or treatment;

▪ physical rehabilitation;
▪ psychiatric and/or psychological rehabilitation;
▪ coordination with your employer to assist you to return to work;
▪ adaptive equipment or job accommodations to allow you to return to work;
▪ vocational evaluation to determine how your disability may impact on other employment options for you;
▪ job placement services;
▪ resume preparation;
▪ job seeking skills training;
▪ education and retraining expenses for a new occupation; or

Your Group Benefits (D) 66

▪ other services/activities not described above that can support the formal plan.

We shall determine, at our sole discretion, whether you are eligible for such program. If we determine that you are
eligible to participate in such program, you must participate in order to continue to receive monthly payments.

Retirement plan means a defined contribution plan or a defined benefit plan. These are plans which provide retirement
benefits you and are not funded entirely by employee contributions.

Sickness means an illness or disease.

No LTD Beneficiary Designation Allowed

No beneficiary designation for the Group Long Term Disability insurance under this policy shall be valid. You do not
have the right to name a beneficiary for any amount of Long Term Disability insurance money payable under the
policy.

Waiver Of Premium

Premium payments are not required for your insurance while you are receiving monthly payments.

Completing The Elimination Period

You must be continuously disabled through the elimination period shown under the GROUP LONG TERM
DISABILITY (LTD) BENEFIT SUMMARY.

We will treat your disability as continuous if your disability ceases during the elimination period for 30 days or less.
The elimination period can be completed while you are disabled and working.

Payment Of LTD Benefits:

Disabled And Not Working

For each month after the elimination period that you continue to be disabled and unable to work on a part-time basis,
we will send you the monthly payment.

Your Group Benefits (D) 67

Disabled And Working

If, after completing the elimination period, you are disabled and working, we will send you the monthly payment if
you are disabled and, due to the continuing sickness or injury, your monthly disability earnings are less than 20% of
your indexed monthly earnings.

If, after completing the elimination period, you are disabled and, due to your continuing sickness or injury, your
monthly disability earnings are between 20% through 80% of your indexed monthly earnings we will calculate your
payment as follows:

During the first 12 months of payments, while working, your monthly payment will not be reduced as long as Item 1
does not exceed Item 2, where Item 1 and Item 2 are calculated as follows:

If the monthly payment is taxable:

1. The sum of your pre-tax monthly disability earnings, plus the monthly payment, plus direct and indirect
benefit offsets you are eligible to receive.
2. Your indexed monthly earnings.
If the monthly payment is non-taxable:

1. The sum of your post-tax monthly disability earnings, plus the monthly payment, plus direct and indirect benefit
offsets you are eligible to receive.
2. Your indexed post-tax monthly earnings.

If Item 1 is more than Item 2, the Company will subtract the excess of Item 1 over Item 2 from your monthly payment.

After 12 months of payments, while working, you will receive payments based on your percentage of lost earnings due
to your disability. To calculate your percentage of lost earnings and the amount of the payments we will:
1. Subtract your disability earnings from your indexed monthly earnings.
2. Divide the answer in Item 1 by your indexed monthly earnings. This is your percentage of lost earnings.
3. Multiply your monthly payment by the answer in Item 2.

This is the amount we will pay you each month.

If your monthly disability earnings exceed 80% of your indexed monthly earnings, we will stop sending you

payments and your claim will end.

We may require you to send proof of your monthly disability earnings at least monthly. We will adjust your payment
based on your monthly disability earnings.

Your Group Benefits (D) 68

As part of your proof of disability earnings, we can require that you send appropriate financial records which we
believe are necessary to substantiate your income.

Fluctuation In Disability Earnings

If your disability earnings routinely fluctuate widely from month to month, we may average your disability earnings
over the most recent 3 months to determine if your claim should continue.

We will not pay you for any month during which disability earnings exceed 80% of indexed monthly earnings.

If we average your disability earnings, we will not terminate your claim unless the average of your disability
earnings from the most recent 3 months exceeds 80% of indexed monthly earnings.

Monthly Payment-Rate

After the elimination period, if you are disabled for less than 1 month, we will send you 1/30 of your monthly
payment for each day of disability.

Third Party Claims

We may require you to provide a written statement of the circumstances that caused your disability, including any facts
that may give you a legal claim against another person, organization or company that caused the disability (a "Third
Party").

You must provide to us prompt notice of any legal action that you commence against a Third Party due to the
circumstances that caused your disability (a “Personal Injury Action”). Once you have commenced a Personal Injury
Action you must:
▪ execute our Personal Injury Reimbursement Agreement and Direction;
▪ provide us with the name and address of any lawyer pursuing the Personal Injury Action on behalf of you;
▪ instruct any such lawyer to pursue with due diligence your claims against the Third Party, including claims for non-
pecuniary general damages, damages for past loss of income and damages for future loss of income; and
▪ direct, authorize and instruct any such lawyer to provide to us, free of charge:
▪ such reports as we may reasonably require from time to time on the status of the Personal Injury Action or any
settlement negotiations;
▪ copies of any documents in your possession or control relating to your claims against the Third Party; and
▪ prompt notice of the terms of settlement or judgment in the Personal Injury Action so that we can calculate
▪ your Net Recovery.

Your Net Recovery is an amount equal to the total of all damages recovered from the Third Party (including but not
limited to damages for loss of income to the date of the settlement or judgment, damages for future loss of income, all
non-pecuniary general damages, interest and legal costs), minus your legal costs incurred to obtain such damages.
Your Group Benefits (D) 69
50% of your Net Recovery shall be designated as our Credit. You shall immediately pay to us an amount equal to the
lesser of our Credit and the sum of all monthly payments paid or payable to you prior to the date of the settlement or
judgment. If any portion of our Credit remains after subtracting the above amount, we may suspend further monthly
payments until such time as the sum of the monthly payments which would otherwise become payable under the
policy equals the remaining portion of our Credit.

We have the right to withhold or discontinue monthly payments if you refuse to sign our Personal Injury
Reimbursement Agreement and Direction or fails to comply with any of its terms.

Benefit Offsets

The following gross amounts of benefits or payments are direct benefit offsets:
1. The amount that you receive or are entitled to receive under any Workers' Compensation Act or similar legislation;
2. The amount that you receive or are entitled to receive as disability payments under the Canada Pension Plan or the
Quebec Pension Plan;
3. The amount that you receive as retirement payments under the Canada Pension Plan or the Quebec Pension Plan;
4. The amount that you receive or are entitled to receive as disability income payments under any automobile
insurance policy or automobile accident benefit schedule;
5. The amount of any payments that you receive from the employer. Such payments include, but are not limited to, any
income, salary, draw or bonus, and any ‘top-up’ plan, severance pay, termination pay or vacation pay. Such
payments do not include disability earnings;
6. The amount that you receive under a short-term disability plan or a salary continuation or accumulated sick leave
plan.

We will subtract retirement payments and any payments that you receive from the employer whether or not they are
payable as a result of injury or sickness. We will subtract other benefit offsets only if they are payable as a result of the
same injury or sickness that causes your disability. We will not subtract payments that you receive because of your
spouse’s retirement.

The following gross amounts of benefits or payments are indirect benefit offsets:
1. The amount that you receive or are entitled to receive as disability income payments under any:
▪ compulsory benefit act or legislation;
▪ other group insurance plan or policy, including any association coverage or franchise coverage; or
▪ governmental retirement system as a result of your job with your employer.
2. The amount that you receive under an individual insurance policy, providing for disability benefits, that was
issued to you by us pursuant to an offer made through your employer or as a result of your employment.

3. The amount that you:

▪ receive or are entitled to receive as disability payments under your employer's retirement plan; or
▪ receive or are entitled to receive as retirement payments under your employer's retirement plan.

4. The amount that is payable to, or on behalf of your children under the Canada Pension Plan or the
Quebec Pension Plan because of your disability.

Your Group Benefits (D) 70

We will subtract retirement payments and any payments that you receive from the employer whether or not they are
payable as a result of injury or sickness. We will subtract other benefit offsets only if they are payable as a result of the
same injury or sickness that causes your disability. We will not subtract payments that you receive because of your
spouse’s retirement.

Once we have subtracted a benefit offset from the gross monthly benefit, we will not further reduce the monthly
payment due to a cost of living increase from that source.

When we determine that you may be entitlted to an amount under Item(s) 1 and 2 in the Direct benefit offsets section or
under Item(s) 1 in the Indirect benefit offsets section, we may estimate the amount of the your entitlement to such
benefit offset. If you are 65 or older, the Company may estimate the amount of your entitlement under item 3 in the
Direct Benefit Offsets section. We reserve the right to deduct the estimated amount by including it in the M ONTHLY
PAYMENT CALCULATION when determining your monthly payment.

We will not deduct the estimated amount under Item 1 or 2 in the Direct Offsets section, or under Item 1 in the Indirect
Offsets section when determining your monthly payment if you apply for the benefit offsets, and appeal any denial to
all levels we feel are necessary.

If we have deducted the estimated amount to determine your monthly payment, your monthly payment will be
adjusted when we receive proof:

▪ of the amount awarded; or

▪ that benefits or payments have been denied and all appeals we feel are necessary have been completed. In this case,
a lump sum refund of the estimated amount will be made to you.

If you receive any benefit offset in the form of a lump sum payment, the lump sum will be pro-rated on a monthly basis
over the time period for which the sum was given. If no time period is stated, we will use a reasonable period of time.

When Payments Stop:

▪ during the first 24 months of payments, when you are able to work in your regular occupation on a part-time
basis but you choose not to;
▪ after 24 months of payments, when you are able to work in any gainful occupation on a part-time basis but you
choose not to;
▪ if you are working and your monthly disability earnings exceed 80% of your indexed monthly earnings, the date
your earnings exceed 80% of your indexed monthly earnings;
▪ the end of the maximum period of payment;
▪ the date you are no longer disabled under the policy, unless you are eligible to receive benefits under our
rehabilitation and return to work assistance program;
▪ the date you fail to cooperate with or participate in a rehabilitation and return to work assistance program;
▪ the date you fail to attend or participate in a medical, vocational or functional assessment required by us;
▪ the date you fail to attend or participate in a requested interview with an authorized representative;
▪ the date you fail to submit proof of continuing disability; or
▪ the date you die.

Your Group Benefits (D) 71

We will stop sending you payments after you have been outside Canada or the United States for 60 cumulative days
during any 365 consecutive day period. No further payments will be made until you return to Canada or the United
States and provide proof of appropriate care. If you are still disabled on your return, payments may be resumed but
will not be retroactive. Although not paid, any payments attributable to any period of time beyond the 60 cumulative
days during any 365 consecutive day period that you continue to be outside of Canada or the United States will be
deemed to have been paid under the meaning of disability and disabled.

Recurrent Disability

If, after a period of disability for which monthly payments have been made, you experience a recurrent disability,
we will treat this recurrent disability as a continuation of your previous period of disability and a new elimination
period will not have to be completed, if:

▪ you return to continuous active employment for the period between the last date for which monthly payments
were made under your prior claim and the commencement of the recurrent disability;
▪ you were continuously insured between the last date for which monthly payments were made under your prior
claim and the commencement of the recurrent disability; and
▪ your recurrent disability commences within 6 months from the last date for which monthly payments were made
under your prior claim.

Your recurrent disability will not be considered to be a continuation of a prior period of disability if the recurrent
disability commences more than 6 months after the last date for which monthly payments were made under your prior
claim. In such case, the recurrent disability will be treated as a new claim. The new claim will be subject to all of the
policy provisions, including the elimination period, in force at the commencement of the new claim.

If your recurrent disability is considered to be a continuation of a prior period of disability, your recurrent disability
will be subject to the same policy terms as your prior claim. The commencement date of the recurrent disability will be
deemed to be original date of disability from the prior period(s) of disability. Any disability payments will be based on
your monthly earnings as at the original date of disability. Monthly payments will not be made for a combined period
longer than the maximum period of payment shown under Group Long Term Disability (LTD) Benefit Summary.

Medical Examinations and Claimant Interviews

At our expense and discretion, and as often as is reasonably required during a claimant’s continuing disability, we may
require the claimant to be examined, tested or assessed by a physician, other medical practitioner or vocational or
functional capacities expert of our choice.

At our expense and discretion, and as often as is reasonably required during a claimant’s continuing disability, we may
require the claimant to meet with and be interviewed by an authorized representative.

Your Group Benefits (D) 72

Pre-Existing Condition Limitation

The policy does not cover any disability which results directly or indirectly from, or is in any manner or degree
associated with or occasioned by a pre-existing condition.

However, this limitation will not apply to a disability which begins more than 12 months after your insurance began.

If, at any time, your gross monthly benefit increases because of an increase to the no-evidence maximum, the amount
of the increase to your gross monthly benefit will not be payable if your disability results directly or indirectly from, or
is in any manner or degree associated with or occasioned by a pre-existing condition. However, this limitation will not
apply to a disability which begins more than 12 months after the increase to your gross monthly benefit.

Pre-existing condition means any condition or symptom for which, during the 3 months just prior to the date that
your insurance began:

▪ you consulted a physician or other healthcare provider;

▪ you received any health-related care, advice, treatment or services (including diagnostic measures) from or on the
advice of a physician or other healthcare provider;
▪ you incurred any healthcare expenses;
▪ you took any prescribed medication; or
▪ a prudent person would have consulted a physician or other healthcare provider, would have filled a prescription,
or would have continued to take medication previously prescribed.

If there has been an increase to your gross monthly benefit because of an increase to the no-evidence maximum, then
pre-existing condition means any condition or symptom for which, during the 3 months just prior to the date of the
increase to your gross monthly benefit:

▪ you consulted a physician or other healthcare provider;

▪ you received any health-related care, advice, treatment or services (including diagnostic measures) from or on the
advice of a physician or other healthcare provider;
▪ you incurred any healthcare expenses;
▪ you took any prescribed medication; or
▪ a prudent person would have consulted a physician or other healthcare provider, would have filled a prescription, or
would have continued to take medication previously prescribed.

Pre-existing condition includes any such condition or symptom whether or not such condition or symptom was
diagnosed or correctly diagnosed.

Continuity Of Coverage

You are not eligible to be enrolled for Group Long Term Disability Insurance under the policy if you are not in active
employment on the Policy Effective Date due to sickness or injury and you are receiving long term disability benefits
from the insurer of a previous group policy.

If you are not in active employment on the Policy Effective Date due to sickness or injury, you are still eligible to be
enrolled for Group Long Term Disability Insurance under the policy if:

Your Group Benefits (D) 73

▪ you were properly insured for long term disability coverage under a previous group policy when that previous
group policy terminated;
▪ your coverage under that previous group policy terminated solely because of the termination of that previous
group policy;
▪ you would be otherwise eligible under this policy if you were in active employment; and
▪ the “elimination period” (or similar such period however it is named) for long term disability benefits under the
previous group policy has not ended based on the date you ceased working.

If you are enrolled for Group Long Term Disability Insurance under this Continuity of Coverage provision, your
coverage will terminate on the earlier of:
▪ the date the “elimination period” (or similar such period however it is termed) for long term disability benefits under
the previous group policy would end based on the date you ceased working; or
▪ the date the insurer of the previous group policy accepts a claim which would qualify as a recurrent disability
under the terms of the previous group policy.

If you are enrolled for coverage under this Continuity of Coverage provision you will not be covered for:
▪ any periods of disability which commence prior to the Policy Effective Date; or
▪ any periods of disability, which commence after the Policy Effective Date, but which would qualify as a recurrent
disability under the terms of the previous group policy.
Subject to a change in Quebec law, if you are resident in the province of Quebec and are enrolled for
coverage under this Continuity of Coverage provision you will not be covered for:
▪ any periods of disability which commence prior to the Policy Effective Date, unless the disability was not reported
to the insurer of the previous group policy until more than 180 days after the Policy Effective Date; or
▪ any periods of disability, which commence after the Policy Effective Date, but which would qualify as a recurrent
disability under the terms of the previous group policy, unless you have been in active employment under this
policy for at least 30 days.

We will not apply Pre-Existing Condition Limitation to your long term disabilty claim if:
▪ you were insured for long term disability by the previous group policy when it terminated;
▪ you were in active employment on the Policy Effective Date;
▪ you have remained in continuous active employment since the Policy Effective Date; and
▪ your long term disability claim would not have been excluded by the previous group policy’s pre-existing
condition limitation based on:
▪ the terms of the previous group policy’s pre-existing condition limitation; and
▪ the combined continuous time that you were insured under this policy and the previous group policy.

If, due to the above Continuity of Coverage provision, your claim is not excluded under the Pre-Existing Condition
Limitation, then we will administer your claim according to the provisions of this policy. However, your payment will be
the lesser of:
▪ the monthly payment under this policy; and
▪ the monthly amount which would have been paid under the previous group policy.

Your Group Benefits (D) 74

If, due to the above Continuity of Coverage provision, your claim is not excluded under the Pre-Existing Condition
Limitation, then payments under the policy will not extend beyond the earlier of the following dates:
▪ the end of the maximum period of payment under this policy as shown in the Benefit Summary; or
▪ the date benefits would have ended under the previous group policy if it had remained in force.

Survivor Benefit

When we receive proof that you have died, we will pay your eligible survivor a lump sum benefit equal to 3 months of
your gross monthly benefit if, on the date of your death:

▪ your disability had continued for 180 or more consecutive days; and
▪ you were receiving or were entitled to receive monthly payments under the policy.

However, we will first apply any Survivor Benefit payment to any overpayment which may exist on your claim for Long
Term Disability Benefits.

If you have no eligible survivor, no payment will be made.

Worksite Modification Benefit

If your employer and you determine that a worksite modification may be needed to enable you to perform the material
and substantial duties of your regular occupation, one of our designated professionals will assist you and your
employer to identify a modification that we agree is likely to help you remain at or return to active employment.

If we agree that the worksite modification is appropriate, we will prepare a written agreement in which we, your
employer and you will agree to the worksite modification in order to help you remain at or return to active
employment. This agreement must be signed by us, your employer and you.

When such agreement is signed, we will reimburse your employer for the cost of the modification, up to the amount
shown under the benefit summary.

This benefit is available to assist you on a one-time basis only.

Work Life Assistance Program

The policy provides you and your dependents access to a work life assistance program designed to assist them with
problems of daily living.

You and/or your dependents can call and request assistance for virtually any personal or professional issue, from
helping find a day care or transportation for an elderly parent, to researching possible colleges for a child, to helping to
deal with the stress of the workplace. This work life program is available for everyday issues as well as crisis support.

Your Group Benefits (D) 75

This service is also available to your employer.

This program can be accessed by a 1-800 telephone number available 24 hours a day, 7 days a week. Information about
this program can be obtained through your employer’s plan administrator.
NOTE: If such services or program are included under more than one of the applicable sections of the policy, they shall
be deemed to be only one single benefit and not two benefits. Any limitations or restrictions on usage or payment (if
applicable) of these services or program shall be deemed covered under one single benefit only.

Best Doctors®

Best Doctors provides you and your eligible* dependents with a unique combination of information and access to the
best medical care when it matters most.

Best Doctors helps you navigate the healthcare system and confirm your diagnosis and treatment options, through
convenient, responsive services that connect you to a global database of over 50,000 top peer-nominated specialists,
including 2,000 in Canada. Refer to the Best Doctors brochure for more information about the services available to you.

*eligible dependents are spouse and dependent children, under the age 21 or under age 26 if full time students.

NOTE: If such services or program are included under more than one of the applicable sections of the policy, they shall
be deemed to be only one single benefit and not two benefits. Any limitations or restrictions on usage or payment (if
applicable) of these services or program shall be deemed covered under one single benefit only.

LTD Conversion Benefit

If you end employment with your employer, your employee’s insurance under the policy will end. You may be eligible
to purchase insurance under our group long term disability conversion policy without providing evidence of
insurability.

You may purchase such insurance if this Conversion provision (or an equivalent provision) was part of your group long
term disability insurance with your employer (including under any previous group policy) for a continuous period of at
least twelve (12) months prior to and including the date your employment with your employer ended.

You may purchase such insurance only if your employment ends prior to the date you turn 65.

You must apply for insurance under the conversion policy and pay the first premium within 31 days after the date your
employment ends.

The amount that you may convert will be subject to any limits, maximums or guidelines currently in use by us at the
time of conversion.
Your Group Benefits (D) 76
The converted insurance will be in an amount and form which we customarily issues and which is in use at the time of
conversion. The conversion policy may not be the same insurance we offered you under your employer's group policy.

The premium for such converted insurance will be at the conversion rate then in use by us. This rate will take into
consideration items such as but not limited to:
▪ your earnings and occupation on the date that your employment ended; and
▪ your age and sex and smoking status.

You are not eligible to apply for insurance under our group long term disability conversion policy if:
▪ you are or become insured under another group long term disability policy within 31 days after your employment
ends;
▪ you are disabled under the policy;
▪ you recover from a disability and do not return to work for your employer;
▪ you are on a leave of absence; or
▪ your insurance under the policy ends for any of the following reasons:
▪ the policy is cancelled;
▪ the policy is changed to exclude the Class of Employees to which you belongs;
▪ you are no longer in an Eligible Class;
▪ you end your working career or retire and receive payment from any employer's retirement plan; or
▪ your employer/you fail to pay the required premium under the policy.

Cost Of Living Adjustment (COLA) Benefit

We will make a Cost Of Living Adjustment (COLA) after you have received 1 full year of monthly payments for your
disability.

We will increase your monthly payment by the percentage shown in the Group Long Term Disability (LTD) Benefit
Summary beginning after the first 12-month period of monthly payments and after each 12-month period of monthly
payments to age 65 while you continue to receive monthly payments for your disability.

Compounding will continue up to the maximum number of adjustments.

The Cost of Living Adjustment may cause your monthly payment to exceed the maximum monthly amount shown in
the Monthly Payment Calculation in the Group Long Term Disability (LTD) Benefit Summary.

Spousal Disability Benefit

Your spouse is eligible for this benefit.

Your spouse will become insured on the later of:

▪ the date your spouse becomes a spouse as defined in the policy; or

▪ the date your LTD insurance begins under the policy.

Your Group Benefits (D) 77

Insurance will end on the earliest of the following dates:
▪ the date your insurance under the policy terminates;
▪ the date the spouse ceases to be a spouse as defined in the policy;
▪ the date the policy terminates; or
▪ the date this benefit terminates.

Termination of this insurance under any conditions will not prejudice any payable claim which occurs while the
insurance is in force.

There is no conversion privilege for this benefit.

If your spouse becomes and remains disabled as defined below through the elimination period, we will pay a monthly
Spousal Disability Benefit to you. Benefit payments will not be made for any period during which your spouse is
outside of Canada for longer than 30 consecutive calendar days.

Your spouse is disabled under this benefit when we determine that due to sickness or injury:

▪ your spouse loses the ability to safely and completely perform 2 activities of daily living without another person's
assistance or verbal cueing; or
▪ your spouse is cognitively impaired.

The elimination period is shown under the Group Long Term Disability (LTD) Benefit Summary. The elimination
period begins on the first day that your spouse is disabled.

The monthly benefit payment is the amount shown under the Group Long Term Disability (LTD) Benefit Summary.

This policy does not cover any disability which results directly or indirectly from, or is in any manner or degree
associated with or occasioned by:
▪ the spouse’s intentionally self-inflicted injury;
▪ the spouse’s active participation in a riot;
▪ the spouse’s attempt to commit or commission of a crime, whether or not the spouse has been charged; or
▪ war, declared or undeclared, or any act of war.

We will not pay a Spousal Disability Benefit for any period of disability during which the spouse is lawfully incarcerated,
confined or imprisoned.

No Spousal Disability Benefit is payable for a spouse’s loss of the ability to safely and completely perform any activity of
daily living without another person’s assistance or verbal cueing, if such loss exists on the effective date of the spouse’s
coverage under this benefit.

No Spousal Disability Benefit is payable for a spouse’s cognitive impairment if the spouse is cognitively impairedon
the effective date of the spouse’s coverage under this benefit.

Your Group Benefits (D) 78

The policy does not cover any disability which results directly or indirectly from, or is in any manner or degree associated
with or occasioned by a pre-existing condition.

However, this limitation will not apply to a disability which begins more than 6 months after the spouse’s insurance
began.

Pre-existing condition, for this Spousal Disability Benefit, means any condition or symptom (whether or not such
condition or symptom is diagnosed or correctly diagnosed) for which, during the 6 months just prior to the date that his
insurance began,
▪ the spouse consulted a physician or other healthcare provider;
▪ the spouse received any health-related care, advice, treatment or services (including diagnostic measures) from or
on the advice of a physician or other healthcare provider;
▪ the spouse incurred any healthcare expenses;
▪ the spouse took any prescribed medication; or
▪ a prudent person would have consulted a physician or other healthcare provider, would have filled a prescription, or
would have continued to take medication previously prescribed.

Payments will end on the earliest of the following dates:

▪ the date your spouse is no longer disabled;
▪ the end of the maximum period of payment shown in the Benefit Summary; or
▪ the date the spouse dies.
Written notice of claim should be sent to us within 30 days after the date that the spouse’s disability begins. Written
proof of claim must be given to us no later than 90 days after the date the spouse’s disability begins. If it is not possible to
give proof within 90 days, it must be given no later than 1 year after the date that the spouse’s disability began, except
in the absence of your legal capacity.

The proof, provided at your expense, must show:

1. that the spouse is under appropriate care;
2. the date the spouse’s disability began;
3. the cause of the spouse’s disability;
4. the extent of the spouse’s disability; and
5. the name and address of any hospital or Institution where the spouse received treatment, including all attending
physicians.
As part of proof of claim, we may request that the spouse be examined, at our expense and discretion, by a physician
and/or other healthcare provider of our choice. We may also require a claims assessment which is a review to help
evaluate the claim. This assessment may include an interview with the spouse at a location selected by us or our
designated representative.
Proof of continued disability and appropriate care must be given to us within 30 days of the request for the proof.
Dependent Care Expense Benefit

While you are participating in a rehabilitation and return to work assistance program, we will pay you a Dependent
Care Expense Benefit if you are or start incurring expenses (such as but not limited licenced day care facilities and
home health care programs) to provide care for a dependent who needs personal care assistance.

Your Group Benefits (D) 79

Dependent Care Expense Benefit payments will begin immediately after you start to participate in a rehabilitation and
return to work assistance program.

The amount of the Dependent Care Expense Benefit will be as shown under the BENEFIT SUMMARY.
You must provide satisfactory proof that he is incurring expenses that entitle you to the Dependent Care Expense
Benefit.

Note: We will not recognize you or your spouse, children, parents or siblings as a program or facility providing care for
a dependent who needs personal care assistance under this benefit unless such person actually owns, operates,
administers or is working for such a facility or program.

Dependent Care Expense Benefits will end on the earlier of the following:
▪ the date you are no longer incurring expenses for your dependent;
▪ the date you no longer participates in the rehabilitation and return to work assistance program; or
▪ any other date payments would stop in accordance with the policy.

Rehabilitation And Return To Work Assistance Benefit

While you participate in a rehabilitation and return to work assistance program, we will pay an additional benefit of
10% of your gross monthly benefit to a maximum benefit shown under the Group Long Term Disability (LTD)
Benefit Summary.

We are under no obligation to approve or continue a rehabilitation and return to work assistance program for you.
Any decision about your eligibility for the program, or to approve or discontinue a rehabilitation and return to work
assistance program will be made solely by us.

The final determination about your eligibility for a rehabilitation and return to work assistance program will be
made solely by us. You must be medically able to engage in a rehabilitation and return to work assistance program.

In order to remain in the rehabilitation and return to work assistance program and to receive this benefit, you must
actively participate in the rehabilitation and return to work assistance program.

Actively participate or actively participating means you must comply with the terms and conditions of
therehabilitation and return to work assistance program plan written specifically for you by us.

This benefit is not subject to policy provisions which would otherwise increase or reduce the benefit amount.

In addition, we will make monthly payments to you for 3 months following the date your disability ends if
wedetermine you are no longer disabled while:

▪ you are actively participating in the rehabilitation and return to work assistance program; and
▪ you are not able to find employment.

Your Group Benefits (D) 80

This benefit payment may be paid in a lump sum.

Benefits for the rehabilitation and return to work assistance program will end on the earliest of the following dates:

▪ the date we determine that you are no longer eligible to participate in the rehabilitation and return to work
assistance program;
▪ the date we determine that you are no longer actively participating in the rehabilitation and return to work
assistance program; or
▪ any other date on which weekly payments would stop in accordance with the policy.

Total Benefit Cap

The total benefit payable to you on a monthly basis (including all benefits provided under the policy) will not exceed
100% of your monthly earnings, unless the excess amount is payable as a Cost of Living Adjustment. However, if you
are participating in our rehabilitation and return to work assistance program, the total benefit payable to you on a
monthly basis (including all benefits provided under the policy) will not exceed 110% of your monthly earnings unless
the excess amount is payable as a Cost of Living Adjustment.

General LTD Limitations and Exclusions:

This policy does not insure any disability which results directly or indirectly from, or is in any manner or degree
associated with or occasioned by:
▪ your intentionally self-inflicted injuries;
▪ your active participation in a riot, insurrection or civil commotion;
▪ your service in the armed forces of any nation;
▪ your attempt to commit or commission of a crime, or provoking an assault, whether or not you have been charged; or
▪ war, declared or undeclared, or any act of war.

We will not pay a benefit for any period of disability during which you are lawfully incarcerated, confined or imprisoned.

We will not make a monthly payment for any period of disability during which you are on a statutory leave, leave of
absence, temporary layoff, strike or lockout. If your coverage has been continued during a statutory leave, leave of
absence, temporary layoff, strike or lockout, and you become disabled during the statutory leave, leave of absence,
temporary layoff, strike or lockout the monthly payment will begin on the later of the date the elimination period ends
or the date the statutory leave, leave of absence, temporary layoff, strike or lockout ends, provided you are still
disabled.

NOTE: Other Exclusions or Limitations may be applicable as specified under each individual
additional benefit provision.

Your Group Benefits (D) 81

 COLLECTION AND USE OF PERSONAL INFORMATION

Collecting your personal information

We (RBC Life Insurance Company) may from time to time collect information about you such as:

▪ information establishing your identity (for example, name, address, phone number, date of birth, etc.) and your personal
background;
▪ information related to or arising from your relationship with and through us;
▪ information you provide through the application and claim process for any of our insurance products and services; and
▪ information for the provision of products and services.
We may collect information from you, either directly or through representatives. We may collect and confirm this
information during the course of our relationship. We may also obtain this information from a variety of sources including
hospitals, doctors and other health care providers, the MIB, Inc., the government (including government health insurance
plans) and other governmental agencies, other insurance companies, financial institutions, motor vehicle reports, and your
employer.

1. Using your personal information

This information may be used from time to time for the following purposes:

▪ to verify your identity and investigate your personal background;

▪ to issue and maintain insurance products and services you may request;
▪ to evaluate insurance risk and manage claims;
▪ to better understand your insurance situation;
▪ to determine your eligibility for insurance products and services we offer;
▪ to help us better understand the current and future needs of our clients;
▪ to communicate to you any benefit, feature and other information about products and services you have with us;
▪ to help us better manage our business and your relationship with us; and
▪ as required or permitted by law.
For these purposes, we may make this information available to our employees, our agents and service providers, and third
parties, who are required to maintain the confidentiality of this information. If you are insured under a group insurance
policy obtained through your employer, we may also share your information with your employer when necessary for the
services we provide to you. Your health information will not be shared with your employer without your consent.

In the event our service provider is located outside of Canada, the service provider is bound by, and the information may be
disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Third parties may include
other insurance companies, the MIB, Inc. and financial institutions.

We may also use this information and share it with RBC® companies (i) to manage our risks and operations and those of
RBC companies and (ii) to comply with valid requests for information about you from regulators, government agencies,
public bodies or other entities who have a right to issue such requests.

If we have your social insurance number, we may use it for tax related purposes and share it with the appropriate
government agencies.

Your Group Benefits (D) 82

 2. Your right to access your personal information
You may obtain access to the information we hold about you at any time and review its content and accuracy, and have it
amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such
information or to ask questions about our privacy policies, you may do so now or at any time in the future by contacting us
at:

RBC Life Insurance Company

P.O. Box
515, Station
A,
Mississauga
, Ontario
L5A 4M3

Telephone: 1-800-663-0417

Facsimile: 905-813-4816

3. Our privacy policies

You may obtain more information about our privacy policies by asking for a copy of our “Financial fraud prevention and
privacy protection” brochure, by calling us at the toll-free number shown above or by visiting our website at
www.rbc.com/privacysecurity.

Your Group Benefits (D) 83

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).
About Sun Life Financial
A market leader in group benefits, Sun Life Financial serves more than one in six Canadians, in over 12,000
corporate, association, affinity and creditor groups across Canada.

Our Core values – integrity, service excellence, customer focus and building value – are at the heart of who we are
and how we do business.

Sun Life Financial and its partners have operations in 22 key markets worldwide including Canada, the United
States, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda.

Life’s brighter under the sun

Group Benefits are provided by Sun Life Assurance Company of Canada,
a member of the Sun Life Financial group of companies.

GB10171-E