Address all inquiries to:

THE ADMINISTRATOR

NDT INDUSTRY HEALTH BENEFIT PLAN

4250 Canada WayBurnaby, British Columbia V5G 4W6

Phone (604) 299-7482Facsimile (604) 299-8136Toll Free 1-800-663-1356

Email: ndthealth@datownley.comwww.ndtbenefits.org

NDT INDUSTRYHEALTH BENEFIT PLAN

Effective: February 1, 1977**Including amendments to: May 15, 2019

FOREWORD

Protection against the financial hardship that so oftenaccompanies sickness, accident or death is importantto all of us.

In accordance with the Collective Agreementbetween the Nondestructive Testing ManagementAssociation and the Quality Control Council ofCanada, a group insurance plan (the Plan) has beenarranged by the Board of Trustees and is admin -istered by D.A. Townley.

Both British Columbia and Alberta have passedlegislation affecting the use of self-insured fundingfor providing benefit plans. In each case, the legis -lation allows for the use of self-insured funding,subject to disclosing this information to the coveredMembers/Employees in writing.

The Trustees are constantly attempting to providebenefits to the Members/Employees in the mostcost-effective manner. For some benefits such asDental, Weekly Indemnity and some portions of the Extended Health Benefit, it is not alwaysnecessary to use the services of an insurancecompany. Consequently, some benefits providedthrough your Plan/Employer are not insured by aninsurance company regulated under the FinancialInstitutions Act and the Employer is exempt from theregulatory requirements of the Act.

On the following pages, you will find a brief descrip -tion of the benefits provided by the Plan. We arecertain the Plan will bring a greater peace of mindand an increased feeling of security to you and yourfamily.

This booklet describes:

– The Full Benefit Plan (Page 1)

– The Mini Plan (Page 2, 44)

– The Lay-off Plan (Page 5)

Please refer to the qualifications for coverage foreach Plan.

PRIVACY POLICY

We, the Trustees for the NDT Industry Health BenefitPlan have adopted the following Privacy Principles,which reflect our commitment to safeguarding ourMembers’ personal information:

• Information about you and your communicationswith the Plan are kept confidential.

• Neither the Administrator, nor the Plan will sellyour personal information.

• Information about you is gathered lawfully andfairly.

• Information about you is gathered, used, or dis -closed only to provide you with benefits andservices as outlined in your Plan documents.

• We maintain appropriate procedures to ensurethat personal information in our possession isaccurate and, where necessary, kept up to date.You are entitled to seek a correction of yourpersonal information if you believe that theinformation held by the Plan is not accurate.

• You may access your personal information, subjectto limited exceptions and conditions.

• Personal information is not disclosed withoutMember’s permission except in limited cir -cumstances as permitted or required by law.However, the Administrator may share personalinformation with the Plan’s actuaries, agents,consultants or service providers in connection withproviding, administering, adjudicating, costing,financially managing and servicing Members’ Plansand benefit programs.

• Where we choose to have certain services, such as actuarial valuation, provided by third parties,we take all reasonable precautions regarding the practices employed by the service provider to protect your personal information. We ask that they, in turn, undertake to honour the Plan’spri vacy policy and applicable legislation.

• To protect your personal information againstunauthorized access, disclosure, copying, use ormodification, theft or accidental loss, the Plan willmaintain appropriate security mechanisms.

– The Trustees

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SCHEDULE OF BENEFITS

THE FULL PLANALL ELIGIBLE EMPLOYEES:

Life Insurance $100,000

Accidental Death & Employees: $100,000Dismemberment Spouse: $20,000

Dependent Child: $5,000

Weekly Indemnity $750 per week or the EI Benefit maximum (whichever is

greater) but not to exceed85% of pre-disability earnings

Benefits commence: 1st dayfor accident, 4th day for illness

Benefit duration: maximum of52 weeks for any one disability

Benefit is taxable

Long Term Disability $3,500 per month, but not toexceed 85% of pre-disabilityearnings

Benefits commence: after 52 weeks of continuous Total Disability

Definition of Disability:24 month Own OccupationMaximum duration: to age 65

Benefit is non-taxable

ALL ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS:

Extended Health Reimbursement: 90% ofBenefits eligible expenses

Dispensing fee limited to$8.00 per prescription

Lifetime Maximum: $1,000,000

Calendar Year Deductible(applies only to drugs): $25 single and $50 family

Out of Province/ Reimbursement: 100%Canada Emergency $5,000,000 maximum per Coverage coverage period

Travel Duration: 60 days

Terminates at age 75

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Employee Assistance Program

Substance Abuse See this Section of the bookletRehabilitation for detailsAssistance

Dental Calendar Year Deductible: Nil

Basic & Major Reimbursement:100% Basic Services100% Major Services

Combined Annual Maximum:$3,000 per person, percalendar year

Orthodontia Reimbursement:75% Orthodontia$3,000 per eligible child every24 months

THE MINI PLAN

Life Insurance $100,000

Accidental Death & Employees: $100,000Dismemberment Spouse: $20,000

Dependent Child: $5,000

NOTE: All coverage terminates automatically at age65, except those Employees who remain actively atwork under the Quality Control Council of Canada(QCCC) Agreement.

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GENERAL INFORMATION

Eligibility:

The Full Plan:

QCCC Members will initially become covered for theFull Benefit Plan on the first day of the monthfollowing the month in which 120 hours are earned,provided the employer makes the appropriatecontributions to the Plan.

Example: 120 hours earned in April provides coveragefor May. For continued coverage after initial qualifi -cation, the Member must earn at least 90 hours permonth. If less than 90 hours are earned by such aMember then benefits will be limited to the MiniPlan. If a lapse in coverage occurs, the Member mustre-qualify with 120 hours.

With respect to Probationary Employees (Employeesnot yet initiated with a Q.C.C.C. Affiliated UnionLocal) the Mini Plan benefits will be provided. Pleaserefer to the last section of this booklet regarding theMini Plan.

Note: A Member must be in good standing with oneof the Affiliated Unions listed in the Quality ControlCouncil of Canada Agreement to be eligible for FullPlan benefits. An enrolment card must be completedand forwarded to the Administrator’s office beforeany claims payment will be made. To make changesto dependents or a beneficiary, a revised enrolmentcard must be completed. The signed original enrol -ment card must be submitted to the Administrator –faxes or copies are not acceptable.

Office Personnel Full-time employees (30 hours per week) will be covered on the first day of themonth following the date of becoming a permanentemployee* provided he/she is actively at work onthat day.

*If the coverage is not requested on the eligibleeffective date, or if application for coverage has notbeen made within 31 days of the date, then anyapplication for coverage will require submission ofevidence of insurability. The Insurance Company willdetermine the effective date of coverage and, ifapproved, Dental benefits will be limited during thefirst 12 months of coverage to $250 with no coveragefor Major Services during this period.

Probationary Employees earning over 120 hours will not be entitled to Full Plan benefits until theybecome initiated. Should there be any difficulty in

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deter mination of a “Probationary Employee” pleasecontact your regional QCCC office.

Employees absent from work on their effective date,with the exception of statutory holidays or paidvacations, will become effective on the date theyreturn to active full-time work.

Temporary Foreign Workers are not eligible for anybenefits under the Plan.

Dependent Eligibility

The Plan will provide Dental, Extended Health Benefitsand Vision Care for:

a) The spouse* of a covered Employee;

b) Any unmarried child of a covered Employee to age 21, provided such person is mainly dependenton and living with the covered Employee;

c) Any unmarried child of a covered Employee, overage 21, pro vided the child is in full-timeattendance at a recognized school, college, oruniversity;

d) Any unmarried mentally or physically handicappedchild of a covered Employee to any age, providedsuch person is mainly dependent on and livingwith the covered Employee or the spouse of thecovered Employee.

*The legal spouse of the Employee, or in absence of alegal spouse, the common-law spouse of theEmployee. The common-law spouse is a person withwhom the Employee has been living for a continuousperiod of at least 12 months and that livingarrangement must be recognized as a conjugalrelationship in the community in which the coupleresides. Only one person may qualify as the spouse atany one time. A Common-Law Spouse DeclarationForm must be completed and submitted to the Plan Administrator along with a completed BenefitPlan Application for Enrolment and BeneficiaryDesignation card.

“Children” include natural, legally adopted, foster orstep-child who is dependent on and living with theemployee.

“Employee” means an individual who meets theeligibility requirements of the Plan.

When completing the application forms for coverage,please include all dependents to be covered. Youmust be prepared to prove that persons named asdependents are actually dependent upon you.

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To add, delete or change the dependents covered,obtain an Enrolment and Beneficiary card from theAdministrator or the Union Office, and forward it tothe Administrator’s Office.

Termination of Dependent Insurance

Dependent coverage terminates on the same date asthe Employee’s. In the event of death, ExtendedHealth and Dental may be continued for a period oftwelve months.

Extended Coverage on Termination/Lay-Off

Any QCCC Member who has been in the employ of aSignatory Employer and who was on the Full Plan,shall receive upon lay-off, one month’s coverage foreach 350 earned pension contribution hours, up to amaximum of 6 months, provided the Member isavailable for work under the QCCC Agreement. TheLay-off Plan will not include Weekly Indemnity. If aMember who is on the foregoing Lay-off coverageworks for a Non-signatory Employer while on suchcoverage, the Member will be obligated to repaypremiums to the Plan, for their Lay-off coverage,before being eligible for rehire by a SignatoryEmployer.

‘Free Month’ – An Employee’s coverage (with theexception of Weekly Indemnity and Long TermDisability) will be extended to the last day of themonth following the month in which Full or Lay-offcoverage terminates (due to firing, quitting or leaveof absence). See also Mini Plan.

Absence Due to Disability

• If an Employee is eligible for Weekly Indemnitybenefits on any premium due date, the employerwill continue premium payments for all benefitswhile the Employee is collecting benefits.

• If an Employee is entitled to benefits under anyWorker’s Compensation Act or similar law, he orshe is not eligible for the Weekly Indemnitybenefit. All other benefits will be maintained, as in the previous paragraph, to a maximum of 52 weeks.

When a QCCC Member is Unemployed

Self-Pay: The Plan includes a six month self-payprovision* for QCCC Members who are in goodstanding (for all benefits except Weekly Indemnityand Long Term Disability) effective on the first of themonth coinciding with or next following:

• cessation of the extended coverage allowed aftercoverage provided by the employer terminates, asabove.

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• expiry of a QCCC Member’s Weekly Indemnitybenefits.

• when the Weekly Indemnity benefits would haveexpired had the QCCC Member not been in receiptof benefits under any Worker’s Compensation Actor similar law.

*For QCCC Members who are totally disabled, thisself-pay provision will be extended until the earlier of(i) the date the QCCC Member ceases to be totallydisabled and (ii) the QCCC Member’s attain ment ofage 65.

WHEN REQUIRED, A SELF-PAY NOTICE WILL BEMAILED TO THE ADDRESS ON FILE. IF PAYMENT ISRECEIVED, SUBSEQUENT NOTICES WILL BE SENT ONA MONTHLY BASIS.

PAYMENT IS DUE ON THE 15TH OF THE MONTH.

Reinstatement

If a QCCC Member returns to work and earns 90 hours(either with a previous employer or a new employer)before his or her coverage terminates (either fromextended coverage or self-pay coverage), the QCCCMember’s coverage will be deemed to be continuous.

If a QCCC Member should incur a claim prior to thereceipt of a self-pay contribution, the claim will beconsidered eligible, provided the self-pay contribu -tion is received within the time line given.

DESCRIPTION OF BENEFITS

LIFE INSURANCE

For Employees Only

Each eligible Employee is insured for Life Insurance asspecified on Page 1.

This amount of insurance is payable to thebeneficiary designated by you should your deathoccur from any cause while you are insured under thegroup policy.

If you do not designate a beneficiary, the insurancewill be payable to your estate.

Conversion of Life Insurance on Termination ofCoverage

An Employee is entitled to obtain an individual lifeinsurance policy without evidence of insurability if allor part of the Employee’s life insurance terminates on

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or before his/her 65th birthday and the Employeeapplies in writing and pays the first premium within 31 days after the insurance terminates. The con -version privilege is not available if the insuranceterminates because of age.

The individual policy will be one of the life insuranceconversion options made available by the insurancecompany.

Only one such converted policy may be in force on anEmployee’s life at any time.

If death occurs during the 31 day period, the LifeInsurance will be paid whether or not an applicationhad been made for an individual policy.

If you Become Totally Disabled

Subject to satisfactory proof, submitted within 12 months from the date the Employee becomestotally disabled, an Employee who becomes totallydisabled and continues to be disabled for 6 months,as a result of accident, injury or disease will, onwritten application, be eligible for the total amountof the Life Insurance to remain in force providing theperson remains totally disabled, subject to termina -tion at age 65. Proof of total disability will be requiredfrom time to time.

Living Assistance Benefit

The Living Assistance Benefit is available as anadvance payment of a portion of the Basic LifeInsurance to help meet the medical or other healthand welfare expenses of a terminally ill Employee.Please contact the Administrator.

ACCIDENTAL DEATH &DISMEMBERMENT BENEFIT

For Employees and Dependents

The Basic Accidental Death and Dismemberment plan covers you 24 hours a day, anywhere in theworld, for specified accidental losses occurring on or off the job. If you suffer any of the losses listedbelow in the Schedule of Losses as the result of an accidental injury which results directly andindependently of all other causes and the loss occurswithin 365 days of the date of the accident, thebenefits indicated below will be paid.

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Who is Covered? Amount of Coverage

All eligible Employees under age 80 $100,000

All spouses under age 70 $20,000

All eligible dependent children $5,000

Schedule of Losses

Loss of Life ……………………………………………………… The Principal SumLoss of Both Hands ………………………………………… The Principal SumLoss of Both Feet …………………………………………… The Principal SumLoss of Entire Sight of Both Eyes ……………………… The Principal SumLoss of One Hand and One Foot ……………………… The Principal SumLoss of One Hand and the Entire

Sight of One Eye …………………………………………… The Principal SumLoss of One Foot and the Entire

Sight of One Eye …………………………………………… The Principal SumLoss of One Arm………………………… Four-Fifths of The Principal SumLoss of One Leg ………………………… Four-Fifths of The Principal SumLoss of One Hand ……………… Three-Quarters of The Principal SumLoss of One Foot ………………… Three-Quarters of The Principal SumLoss of the Entire Sight

of One Eye ……………………… Three-Quarters of The Principal SumLoss of Thumb and Index Finger

of the Same Hand …………………… One-Third of The Principal SumLoss of Speech or Hearing … Three-Quarters of The Principal SumLoss of Speech and Hearing …………………………… The Principal SumLoss of Hearing in One Ear………… Two-Thirds of The Principal SumQuadriplegia (total paralysis of both

upper and lower limbs) ……………… Two Times The Principal SumParaplegia (total paralysis of

both lower limbs) ………………………… Two Times The Principal SumHemiplegia (total paralysis of

upper and lower limbs of one side of the body) ………………………… Two Times The Principal Sum

Loss of Use of Both Arms or Both Hands ………… The Principal SumLoss of Use of One Hand

or One Foot ……………………… Three-Quarters of The Principal SumLoss of Use of One Armor One Leg………………………………… Four-Fifths of The Principal Sum

Loss of Four Fingers ofOne Hand ………………………………… One-Third of The Principal Sum

Loss of All Toes of One Foot …… One-Quarter of The Principal Sum

“Loss” as above used with reference to quadri plegia,paraplegia, and hemiplegia means the complete andirreversible paralysis of such limbs; as above usedwith reference to hand or foot means completeseverance through or above the wrist or ankle joint,but below the elbow or knee joint; as used withreference to arm or leg means complete severancethrough or above the elbow or knee joint; as usedwith reference to thumb and index finger meanscomplete severance through or above the firstphalange; as used with reference to fingers meanscomplete severance through or above the first

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phalange of all four fingers of one hand; as used withreference to toes means complete severance of bothphalanges of all the toes of one foot and as used withreference to eye means the total and irrecoverableloss of sight such that corrected visual acuity must be20/200 or less in such eye.

“Loss” as above used with reference to speech meanscomplete and irrecoverable loss of the ability to utterintelligible sounds.

Loss of the Entire Sight of Both Eyes means the totaland irrecoverable Loss of sight in both eyes such that corrected visual acuity must be 20/200 or lessand the field of vision must be less than twenty (20) degrees in both eyes. A Physician certified inOphthalmology must clinically confirm the diagnosisin writing. Loss of Hearing in One (1) Ear means thediagnosis of permanent Loss of Hearing in one (1) ear,with an auditory threshold of more than ninety (90)decibels. A Physician certified in Otolaryngology mustconfirm the diagnosis in writing. Loss of Hearingmeans the diagnosis of permanent Loss of Hearing inBoth Ears, with an auditory threshold of more thanninety (90) decibels in ear. A Physician certified inOtolaryngology must confirm the diagnosis in writing.

“Loss” as used with reference to “Loss of Use” meansthe total and irrecoverable loss of use provided theloss is continuous for 12 consecutive months andsuch loss of use is determined to be permanent.

All claims submitted under this policy for Loss of Usemust be verified by agreement between a licensedpracticing physician appointed by the Administrator“the Plan” and a licensed practicing physicianappointed by BC Life and Casualty Company “theCompany”, or in the event that the two physicians soappointed cannot arrive at an agreement, a thirdlicensed practicing physician shall be selected by thefirst two physicians and the majority decision of the three physicians shall be binding on the Plan andthe Company. This procedure may be waived by theCompany at its sole discretion.

Disappearance

If the body of an Insured Member has not been foundwithin one year of disappearance, forced landing,stranding, sinking or wrecking of a con veyance inwhich such person was an occupant, then it shall bedeemed subject to all other terms and provisions ofthe policy, that such Insured Member shall havesuffered loss of life within the meaning of the policy.

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Beneficiary Designation

In the event of Accidental Loss of Life, benefits shall bepayable as designated in writing by the InsuredMember under the Plan’s current basic group lifeinsurance policy. In the absence of such designation,benefits shall be payable to the Estate of the InsuredMember.

All other benefits shall be payable to the InsuredMember.

Repatriation Benefit

When Injuries covered by this policy result in loss oflife of an Insured Member outside 50 Km from theirpermanent city of residence and within 365 days ofthe date of the accident, the Company shall pay theactual expenses incurred for preparing the deceasedfor burial and shipment of the body to the city ofresidence of the deceased but not to exceed theamount of $15,000.00.

Rehabilitation Benefit

If an Insured Member suffers an Injury which results ina payment being made by the Company under theAccidental Death and Dismemberment Indemnitysection of this policy, the Company shall pay inaddition:

The reasonable and necessary expenses actuallyincurred up to a limit of $15,000 for special trainingof the Insured Member provided:

a) Such training is required because of such Injuriesand in order for the Insured Member to bequalified to engage in an occupation in whichhe would not have been engaged except forsuch Injuries,

b) Expenses be incurred within three years fromthe date of the accident,

c) No payment shall be made for ordinary living,travelling or clothing expenses.

Family Transportation

When Injuries covered by the policy result in anInsured Member being confined to a hospital, outside100 Km from his/her permanent city of resi dence,within 365 days of the accident and the attendingphysician recommends the personal attendance of amember of the immediate family, the Company shallpay the reasonable and necessary expenses incurredby the immediate family member for transportation by the most direct route by a licensed common carrier

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to the confined Insured Member but not to exceed the amount $15,000.00.

Conversion Privilege

On the date of termination of coverage or during the 90-day period following termination of coverage, youmay change your insurance to the BC Life and CasualtyCompany’s individual insurance policy. The individualpolicy will be effective either as of the date that theapplication is received by the Insurance Company or on the date that coverage under the plan ceases,whichever occurs later. The premium will be the sameas you would ordinarily pay if you applied for anindividual policy at that time. Application for anindividual policy may be made at any office of the BC Life and Casualty Company. The amount ofinsurance benefit converted to shall not exceed thatamount issued under this Plan.

Continuance of Coverage

In the case Members who are (1) laid-off on atemporary basis (2) temporarily absent from work dueto short-term disability, (3) on leave of absence, or (4) on maternity leave, coverage shall be extended fora period of twelve (12) months, subject to payment ofpremium. If a Member assumes other occupationalduties during the leave or lay-off period, no benefitsshall be payable for a loss occurring during the per for -mance of this occupation.

Waiver of Premium

In the event an Insured Member becomes totally andpermanently disabled and his/her waiver of premiumclaim is accepted and approved under the Plan’scurrent group life policy, then the premiums payableunder this policy are waived as of the same date the claim is accepted and approved by the Group LifePlan Underwriter until one of the following occurs,whichever is earlier:

a) The date the Insured Member attains age 65.

b) The date of the death or recovery of the InsuredMember.

c) The date the Insured Member is no longer eligiblefor total disability waiver of premium under thePolicyholder’s group life policy; and

d) The date the Master Policy is terminated

Seat Belt Rider

Benefits under the policy shall be increased by 10% if the Insured Member’s Injury or death results

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while he/she is a passenger or driver of a privatepassenger type automobile and his/her seat belt isproperly fastened. Verification of actual use of theseat belt must be part of the official report of accidentor certified by the investigating officer.

Home Alteration and Vehicle Modification

If an Insured Member receives a payment under TheSchedule of Losses herein and was subsequentlyrequired (due to the cause for which payment underThe Schedule of Losses was made) to use a wheel chairto be ambulatory, then this benefit will pay, uponpresentation of proof of payment:

a) The one-time cost of alterations to the InsuredMember’s residence to make it wheel-chairaccessible and habitable; and

b) The lesser of:

i) the one-time cost of modifications necessary toa motor vehicle, owned by the Injured InsuredMember, to make the vehicle accessible ordrivable for the Insured Member; and

ii) the one-time cost to purchase a wheelchairaccessible specially modified vehicle, with theprior approval of the Company.

Benefit payments herein will not be paid unless:

i) Home alterations are made on behalf of the InsuredMember and carried out by an expe ri encedindividual in such alterations and recommended bya recognized organization, providing support andassistance to wheelchair users; and

ii) Vehicle modifications are made on behalf of the Insured Member and carried out by anexperienced individual in such matters andmodifications are approved by the Provincialvehicle licensing authorities.

The maximum payable under both items (a) and (b)combined will not exceed $15,000.00.

Dependent Child Educational Benefit

If an Insured Member suffers Injury resulting in Loss ofLife, for which the Company has paid the benefit setout in the Table of Losses, the Company will reimbursethe annual tuition, not including room and board,charged by an Institution of Higher Learning per schoolyear for each Dependent Child of such InsuredMember up to the lesser of the following amounts:

a) ten thousand dollars ($10,000.00) per school year;or

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b) 5% of such Insured Member’s Principal Sum.

This benefit is payable annually up to a maximum offour (4) consecutive payments per Dependent Child:

a) only for such Dependent Child who is, at the time ofsuch Insured Member’s Loss of Life, enrolled as afull-time student in an Institution of Higher Learningbeyond the twelfth (12th) grade level; and

b) only while such Dependent Child continues his orher continuous enrollment in an Institution ofHigher Learning.

The Company will reimburse the person who incurredthe actual tuition expenses.

Spousal Educational Benefit

If an Insured Member suffers Injury resulting in Loss ofLife, for which the Company has paid the benefit setout in the Table of Losses, the Company will pay to theInsured Member’s Spouse the actual cost incurred fora professional or trades training program in which suchSpouse enrolls for the purpose of obtaining anindependent source of support and maintenanceprovided such cost is incurred not later than thirty (30) months after the Insured Member’s Loss of Life.

The maximum amount payable for this benefit isfifteen thousand dollars ($15,000.00) per InsuredMember.

“Dependent Child” as used herein means anyunmarried child under 26 years of age who wasdependent upon the Insured Member for at least 50% of his maintenance and support.

“Institution of Higher Learning” as used hereinincludes, but is not limited to, any university, privatepost secondary college or trade school, and anyCollege of General and Vocational Education/Collèged’enseignement général et professionnel (CÉGEP).

Day Care Benefit

If an Insured Member suffers Injury resulting in Loss of Life for which the Company has paid the benefit set out in the Table of Losses, the Company will pay tothe legal guardian of any surviving Dependent Child of the Insured Member, an amount equal to the lesserof the following:

a) the actual annual cost charged by a commercialand licenced day care centre; or

b) 5% of the Insured Member’s Principal Sum; or

c) five thousand dollars ($5,000.00) per year.

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This benefit is payable annually for a maximum of four (4) consecutive payments per Dependent Child:

a) and only for such Dependent Child who at the dateof the Insured Member’s Loss of Life is under agethirteen (13);

b) provided such Dependent Child is enrolled incommercial and licenced day care centre no laterthan ninety (90) days following the InsuredMember’s Loss of Life; and

c) provided that the Dependent Child continues hisor her enrollment in a commercial and licenced daycare centre.

In-Hospital Benefit

If an Insured Member suffers injury resulting in a Loss(other than Loss of Life) for which the Company haspaid a benefit set out in the Table of Losses, and as aconsequence of such Loss the Insured Member is,pursuant to the instructions of a Physician, confined toa Hospital for more than five (5) consecutive overnightstays, the Company will pay:

a) for a period of confinement in Hospital of morethan thirty (30) consecutive overnight stays, 1% ofthe Insured Member’s Principal Sum; or

b) for a period of confinement of thirty (30) con -secutive overnight stays or less, one thirtieth (1/30)of the amount determined for each over night stayin Hospital.

The Company will pay this benefit monthly, retroactiveto the first (1st) overnight stay of confinement inHospital.

The maximum amount payable for this benefit for allinjuries resulting from any one (1) accident per insuredis two thousand five hundred dollars ($2,500.00) permonth.

Benefits are not payable for more than a total oftwelve (12) months of confinement for any one (1)accident causing Injury.

Successive periods of to Hospital for Injury resultingfrom the same accident, if separated by a period ofless than three (3) months, are considered one (1)period of confinement to Hospital for the purposes ofcalculating this benefit.

The term “Hospital” is defined as an establishmentwhich meets all of the following requirements:

(1)holds a license as a hospital (if licensing is requiredin the province);

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(2)operates primarily for the reception, care andtreatment of sick, ailing or injured persons as in-patients;

(3)provides 24-hour a day nursing service byregistered or graduate nurses;

(4)has a staff of one or more licensed physiciansavailable at all times;

(5)provides organized facilities for diagnosis, andmajor medical surgical facilities; and

(6)is not primarily a clinic, nursing, rest or conva -lescent home or similar establishment nor is not,other than incidentally, a place for alcoholics orthose addicted to drugs.

Permanent Total Disability Indemnity

If an Insured Member suffers Injury causingPermanent and Total Disability, the Company shall paythe amount which is 100% of the Principal Sum forthe Insured Member less any amounts under the Tableof Losses which have been paid or which are payableby the Company for Losses of the Insured Member.

EXCLUSIONS

No coverage shall be provided under this contract andno payment shall be made for any Loss or claimresulting in whole or in part from, or contributed to by,or as a natural and probable consequence of any ofthe following excluded risks even if the proximate orprecipitating cause of the Loss or claim is an accidentalInjury:

a) suicide or any attempt thereat by the InsuredMember while sane;

b) self inflicted Injury or any attempt thereat by theInsured Member while sane or insane;

c) declared or undeclared war or any act thereof;

d) sickness, disease, or bodily infirmity whether theLoss or claim results directly or indirectly from any of these;

e) mental incapacity whether the Loss or claim resultsdirectly or indirectly from any mental incapacity;

f) Injury sustained while the Insured Member isundergoing the medical or surgical treatment ofsickness, disease, or bodily or mental infirmity;

g) stroke or cerebrovascular accident or event,cardiovascular accident or event, myocardialinfarction or heart attack, coronary thrombosis,aneurysm;

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h) travel or flight in or on (including getting in or outof, or on or off of) any vehicle used for aerialnavigation, if the Insured Member is:

i) riding as a passenger in any aircraft not intendedor licenced for the transportation of passengers;or

ii) performing, learning to perform or instructingothers to perform as a pilot or crew member ofany aircraft; or

iii) riding as a passenger in an Owned Aircraft orLeased Aircraft operated by the Policyholder.

i) infections of any kind regardless of how con tracted,except bacterial infections that are directly causedby botulism, ptomaine poisoning or an accidentalcut or wound independent and in the absence ofany underlying sickness, disease or conditionincluding but not limited to diabetes;

j) Injury or Loss sustained while the Insured Memberis on full-time duty in the armed forces or organizedreserve corps of any country or internationalauthority. (Unearned premium for any period forwhich the Insured Member is on full-time active duty shall, upon application to the Company by the Policyholder, be refunded);

k) Injury or Loss sustained while the Insured Memberis under the influence of alcohol and operating anyvehicle or means of transportation or conveyancewhile his or her blood alcohol is over eighty (80)milligrams in one hundred (100) millilitres of blood;

l) Injury or Loss sustained while the Insured Memberis under the influence of a drug or sub stance whichis controlled as specified under the Controlled Drugand Substances Act (Canada) unless taken pursuantto the advice of and in strict accordance with theinstructions of a duly licenced Physician;

m)the commission or attempted commission by anInsured Member or Injury incurred while an InsuredMember is in the course of committing orattempting to commit any act which if adjudi catedby a court would be an indictable offence under the laws of the jurisdiction where the act wascommitted; and

n) an act, attempted act or omission taken or made bythe Insured Member, or an act, attempted act oromission taken or made with the Insured Member’sconsent, for the purposes of inter rupting the bloodflow to the Insured Member’s brain or to causeasphyxiation to the Insured Member whether withintent to cause harm or not; and

o) natural causes.

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WEEKLY INDEMNITY BENEFIT

For Employee’s Only

Weekly Indemnity Benefits will be paid to eacheligible Employee who is disabled and unable to workas the result of a non-occupational accident orsickness. In order for an Employee to be eligible to filea Weekly Indemnity claim, the Employee must havebeen covered for full Plan benefits (paid by theirEmployer) for three consecutive months prior to thedate of disability or have had 1,000 hours reported tothe Plan within the last 12-month period immediatelyprior to their date of disability. This applies to WeeklyIndemnity claims incurred on or after July 1, 2018.Benefit payment commences on the 1st day of a non-occupational accident and the 4th day of a non-occupational sickness.

Note: Benefits will not commence prior to the day you are seen and treated by a physician.

Each eligible Employee is insured for the WeeklyIndemnity as specified on Page 1 and provides amaximum of 52 weeks of benefit.

When required, income tax will be deducted fromwage loss benefits to comply with Canada RevenueAgency’s (CRA) administrative requirements forincome tax withholding.

How to claim for Weekly Indemnity:

Take the following steps as soon as possible after you have become disabled:

a) Contact your doctor immediately upon becomingdisabled. You must be seen and treated during the time of your disability.

b) Complete the front of the claim form.

c) The attending physician must complete thePhysician’s Statement on the back of the sameform. If there is any charge for completing thisform, it is the claimant’s responsibility.

d) Claims for disability must be submitted no laterthan 30 days after your total disability beginsunless special circumstances prevent such.

An Employee claiming for a non-occupationalaccident may commence benefits from the 1st day ofthe accident through to recovery or to the maximumweeks of the claim, whichever occurs first.

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Is it necessary to consult a physician in personbefore making a claim for Weekly IndemnityBenefits?

Yes. The physician’s report is required to establishthe record of your inability to work and regularmedical attendance will be required for the durationof the claim.

A form fee of $25 for the initial application of WeeklyIndemnity benefits is payable by the Plan.

Will further medical reports be required?

Yes, depending on the nature of the illness and inaddition, you may be required to have an inde -pendent medical examination.

Please note: When returning to work, your employermay require you to be cleared by your physician, in writing.

If the same disability recurs, it must be separatedfrom the original disability by more than two weeksof continuous active employment for it to beconsidered a new period of disability. If a disabilityarises from a different and unrelated cause it will beconsidered a new disability, provided it commencesfollowing the Employee’s return to full-time work.

Third Party Liability

Where permitted by law, the Fund and the Insurerwill be subrogated to all of your rights of recovery forloss of income to the extent of the sum of benefitspaid or payable by the Fund or Insurer. This meansthat if you receive benefit payments under this Planfor loss of income for which there may be a legallyenforceable cause of action against a third party, youwill be required to complete a Loan Agreement. Thiswill entitle the Plan to be reimbursed for any benefitspaid, which have been recovered from a third party.

Right to Recover

Where an Employee becomes Totally Disabled as a result of an injury or sickness in respect of which:

a) a third party may be, directly or indirectly, eitherin whole or in part, liable to the Employee; or

b) the Employee has a claim for benefits underworkers compensation legislation;

the Plan will not pay benefits to the Employee.

If the Employee provides the Plan with evidence thata third party is not liable, in whole or in part, orevidence that a claim under workers compensation is

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denied, the Plan will require a Loan Agreement besigned by the Employee in order to receive benefitsfrom the Plan. If financial relief is later paid to theEmployee for such a claim by a third party or theworkers compensation decision is overturned, theEmployee must repay the Plan the amounts paid inrespect of such claim.

EXCLUSIONS and LIMITATIONS:

No benefit will be paid for periods of disability:

• arising from occupational accident or illness, asthese are covered by the Workers CompensationAct or similar law;

• arising from your commission of, or attempt tocommit an assault or criminal offense;

• arising from self-inflicted injuries or sickness;

• insurrection or war, declared or undeclared,whether or not there is actual participationtherein;

• participation in a riot or civil commotion;

• arising from pregnancy related illness during aperiod for which the individual (a) is entitled toreceive benefits from EI, or (b) is entitled topregnancy leave of absence by reason of provincialor federal statute, or any greater period of leaveas granted by the individual’s employer by way ofcontract or agreement, verbal or written, or is notentitled to pregnancy leave of absence;

• if you become disabled during a strike or lockout at your place of employment; however, your rightsto benefits will be reinstated when the strike orlockout ends;

• arising from an automobile accident.

TERMINATION OF BENEFIT

Your benefit payments will cease on the earliest dateone or more of the following occurs:

• you are no longer disabled;

• you are no longer receiving continuing medicalcare or treatment from your physician;

• you fail to submit satisfactory proof of continuingdisability as required by the Plan;

• you refuse a medical examination by a physicianchosen by the Plan;

• you are no longer following the treatmentrecommended for your disability;

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• you perform any work for compensation or profit;

• the end of the maximum benefit period indicatedin the Schedule of Benefits;

• you retire; or

• you die.

LONG TERM DISABILITY

For Employees Only

Each eligible Employee is insured for Long TermDisability as specified on Page 1.

During the Initial Assessment Period

During the initial assessment period, which consistsof the waiting period plus the next 24 months ofdisability, a person is considered disabled if:

1. disease or injury prevents the Employee fromperforming the essential duties of his regularoccupation; and

2. except for any employment under an approvedrehabilitation plan, the Employee is not employedin any occupation that is providing him withincome equal to or greater than the incomebenefit available under this Plan.

After the Initial Assessment Period

After the initial assessment period, an Employee isconsidered disabled if disease or injury prevents theEmployee from being gainfully employed.

Gainful employment means work:

1. a person is medically able to perform;

2. for which he has at least the minimumqualifications

3. that provides income of at least 75% of hismonthly earnings; and

4. that exist either in the province or territory wherehe worked when he became disabled or where hecurrently lives.

The availability of work will not be considered inassessing disability.

Loss of License

Loss of any license required for work will not beconsidered in assessing disability.

Disability Period

A disability period is the waiting period plus thebenefit period.

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Waiting Period

An Employee must be Totally Disabled for a period of52 weeks or for the duration of the Weekly IndemnityBenefit period, whichever is greater.

If an Employee, who has satisfied some but not all ofthe Benefit Waiting Period, returns to work for acontinuous period of 2 weeks or less and againbecomes disabled as a result of the same sickness orinjury, such later Period of Disability will be deemedby the Plan to be a continuation of the previousPeriod of Disability, however the Waiting Period will be extended by the number of days worked by theEmployee during that period.

Benefit Period

A benefit period is the period of time after thewaiting period during which the Employee is totallydisabled. If the disability is not continuous, any periodof time during with the disability is considered to be arecurrence.

Benefits will be paid as long as the Employee remainsTotally Disabled, but not beyond age 65.

Recurrence

After the waiting period, a disability is considered arecurrence if it arises from the same disease or injuryand starts within 6 months of the previous disabilityends or within 6 months after the end of an approvedrehabilitation plan.

Income Benefits

A disabled person is entitled to income benefits afterthe waiting period ends and for as long as the benefitperiod lasts. No income benefits are payable for thewaiting period itself.

Amount Payable

The amount payable is the income benefit shown inthe Schedule of Benefits less the reduction, if any,required under the all source maximum provision.The income benefit is payable to the disabled personmonthly in arrears. One thirtieth of the incomebenefit is payable for each day of any period less thana full month.

At Great-West Life’s discretion, the income benefitmay be paid more frequently than monthly, on a pro-rated basis.

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Other Income

The income used in the all source maximum provisionis the income payable for the same period as theincome benefit under this policy.

Except for retirement benefits, all income is con -sidered payable when a person is entitled to it,whether or not it has been awarded or received. If ithas not been awarded, Great West Life will have theright to estimate it according to the terms of any planor legislation involved. Retirement benefits are con -sidered payable when they are actually received.

If income is payable in a lump sum, the amount usedwill be the portion payable for loss of income duringthe benefit period.

Special treatment of taxable income

Before the amount payable is calculated, taxableincome will be reduced by the deductions specifiedunder this Plan’s take-home pay definition. This doesnot apply to Canada Pension Plan or Quebec PensionPlan benefits or to benefits from a similar plan inanother country which has a reciprocal agreementwith Canada or Quebec.

Take-home pay

Take-home pay means the person’s monthly earningsless deductions for federal and provincial incometaxes, Canada and Quebec Pension Plan contri bu -tions, and federal Employment Insurance premiums.

All Source Maximum Provision

Under this provision, the person’s income benefit isreduced if the total of the following income and theincome benefits exceeds 85% of his take-home pay. If it does, his income benefit is reduced by theamount in excess of 85%.

1. 92.5% of any disability benefit to which he isentitled on his own benefit under:

(a) the Canada Pension Plan;

(b) the Quebec Pension Plan; or

(c) a similar plan in another country which has areciprocal agreement with Canada or Quebec.

2. Retirement benefits to which he is entitled on hisown behalf under:

(a) the Canada Pension Plan;

(b) the Quebec Pension Plan; or

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(c) a similar plan in another country which has areciprocal agreement with Canada or Quebec.

3. Benefits under any Worker’s Compensation Act orsimilar law except for:

(a) permanent partial disability awards that werepayable for each of the 12 months before adisability period; and

(b) benefits related to employment with anotheremployer.

4. Loss of income benefits under an automobileinsurance plan, to the extent permitted by law.

5. Loss of income benefits available through legis -lation to which he or another member of his familyis entitled on the basis of his disability, except forEmployment Insurance benefits and automobileinsurance benefits.

6. The wage loss portion of any criminal injury award,except for awards that included the long term disability income benefits available under this Planin the calculation of the award.

7. Disability benefits under a plan of insurance avail -able through an association, except for benefitsthat were payable for each of the 12 monthsbefore a disability period.

8. Employment income, disability benefits, or retire -ment benefits related to any employment, exceptfor;

(a) disability benefits that are prepayments of lifeinsurance.

(b) benefits from retirement plans to which anemployer has not contributed.

(c) any amount that is related to employmentother than with the employer and that waspayable for each of the 12 months before adisability period. All employment income,disability bene fits, and retirement benefitsresulting from the same employment areconsidered together in satisfying the 12 monthcondition as long as there is no interruptionfrom one to the other. Waiting periods fordisability benefits do not count asinterruptions.

(d) income from approved rehabilitation plan. Thisincome is considered under the rehabilitationincentive provision.

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Termination pay, severance benefits and anysimilar termination of employment benefits,including any salary paid in lieu of notice, areconsidered employment income under thisprovision.

Rehabilitation Incentive Provision

Earnings received from an approved rehabilitationplan are not used to reduce a person’s incomebenefit unless those earnings, his income from thispolicy, and the income described under the all sourcemaximum provision would exceed 100% of his take-home pay. If it does, his income benefit is reduced bythe amount in excess of 100%.

INDEXING

The following provisions provide inflation protection.

Recalculation

The amount payable will be recalculated for inflationprotection 1 year after the start of the benefit periodand annually after that. On those dates the incomelimit under the rehabilitation incentive provision will be multiplied by the Consumer Price Index factor. The Consumer Price Index factor will not be appliedto the following amounts:

1. the gross benefit.

2. the all source maximum for purposes ofrecalculating the income benefit.

3. the income limit under the all source maximumprovision.

Other Income

When the amount payable is recalculated, cost-of-living increases in the income described under the allsource maximum provision, that take effect after thebenefit period starts, are not included as incomesubject to the all source maximum and rehabilitationincentive provisions.

Consumer Price Index Factor

The Consumer Price Index factor for an assessment orrecalculation date is the ratio of the Consumer PriceIndex as of 3 months before that date, to theConsumer Price Index as of 3 months before the startof the benefit period.

Changes to the Consumer Price Index

If there is a change in the method of calculating theConsumer Price Index:

1. the Consumer Price Index will be used for theperiod preceding the change; and

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2. an appropriate measure of inflation will be usedfor the period after the change.

Consumer Price Index

The Consumer Price Index means the all-itemConsumer Price Index for Canada (not seasonallyadjusted).

VOCATIONAL REHABILITATION

Vocational rehabilitation involves a work relatedactivity or training strategy that;

1. is designed to facilitate a disabled person’s returnto his job or gainful employment; and

2. is recommended or approved by Great-West Life.

In considering whether to recommend or approve arehabilitation proposal, Great-West Life will assesssuch factors as the expected duration of disability,and the level of activity required to facilitate theearliest possible return to work.

The goal of a rehabilitation plan must be:

1. to return the person to work in the same job;

2. to return the person to work in a modified job withthe same employer; or

3. to return the person to work in a different job thatcapitalizes on transferable skills.

Participation Commitment

If a person does not participate or cooperate in arehabilitation plan that has been recommended orapproved by Great-West Life, he will no longer beentitled to income benefits.

Time Commitment

The duration of a rehabilitation plan must beapproved by Great-West Life. Once approved, aperson’s bene fit period is guaranteed for thatduration so long as he continues to participate andcooperate in the Plan.

Employment Income

Employment Income earned during a rehabilitationperiod will be considered under the rehabilitationincentive provision.

Expense Benefit

Reasonable expenses associated with a rehabilitationplan, other than usual employment expenses, may bepaid for by Great-West Life at its discretion.

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Expenses claimed under this provision must be pre-authorized by Great-West Life.

Limitation

Vocational rehabilitation benefits are only availablewhile the person is entitled to income benefits.

MEDICAL COORDINATION

Medical coordination is a program that:

1. is designed to provide cost effective, quality care;

2. is designed to facilitate medical stability;

3. is recommended or approved by Great-West Life.

In considering whether to recommend or approve amedical coordination program, Great-West Life willassess such factors as the expected duration ofdisability, and the level of activity required tofacilitate medical stability.

A medical coordination program may include thefollowing services:

1. consultation with the disabled person, membersof the person’s family, and the attending physicianto gain further understanding of the treatmentplan and its goal.

2. comparison of the person’s current treatment planwith generally accepted treatment standards forsimilar conditions and, where suitable, follow-upindentified alternatives with the attendingphysician.

3. referral to professionals, including physicianspecialists, or facilities, for diagnosis or treatment.

Participation Commitment

If a person does not participate or cooperate in amedical coordination program that has been recom -mended or approved by Great-West Life, he will nolonger be entitled to income benefits.

Expense Benefit

Reasonable expenses associated with a medicalcoordination program may be paid for by Great-WestLife at its discretion.

Expenses claimed under this provision must be pre-authorized by Great-West Life.

No benefits will be paid for any portion of theexpense for which benefits are payable under agovernment plan.

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Limitations

Medical coordination benefits are only available while the person is entitled to income benefits.Great-West Life will not cover medical coordinationservices after the person has returned to work, unlesshe is receiving vocational rehabilitation benefits.

GENERAL LIMITATIONS

No benefits will be paid for:

1. any period in which the person does not partici -pate or cooperate in a reasonable and customarytreatment program.

A reasonable and customary treatment program issystematic treatment that:

(a) is performed or prescribed by a legally licenseddoctor of medicine; and

(b) is of the nature and frequency usually requiredfor the condition involved.

Where considered appropriate by Great-West Lifefor the severity of the condition, the treatmentmust be prescribed by and, if appropriate, per -formed or supervised by a certified specialist forthe con dition involved.

If substance abuse contributes to a person’s dis -ability, his treatment program must includeparticipation in a recognized substance withdrawalprogram.

2. any period after the person fails to cooperate inapplying for other disability benefits, reapplyingfor such benefits, or appealing decisions regardingsuch benefits, where considered appropriate byGreat-West Life.

3. any period after the person fails to participate orcooperate in a rehabilitation plan that has beenrecommended or approved by Great-West Life.

4. any period after the person fails to participate orcooperate in a medical coordination program thathas been recommended or approved by Great-West Life.

5. any period after the person fails to participate orcooperate in a medical or vocational assessmentrequired by Great-West Life.

6. the scheduled duration of a leave of absence. Aleave of absence is considered to start on the dateagreed upon by the employee and the employer.

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This exclusion does not apply to any portion of aperiod of maternity leave during which the personis disabled as a result of pregnancy. If a child isborn before a period of maternity leave is sched -uled to start, the leave is considered to start on the date of birth.

7. any period in which the person is outside Canada.This exclusion does not apply during the first 30 days of an absence, or if Great-West Life pre-authorized the absence prior to the person’sdeparture.

8. any period of incarceration, confinement orimpris on ment by authority of law.

9. disability arising from war, insurrection orvoluntary participation in a riot.

EMPLOYEE AND FAMILYASSISTANCE PROGRAM

The EFAP is a voluntary, confidential, short-termcounseling and advisory service that connects youand your eligible family members to a network ofdedicated professionals who are available to give youassistance 24 hours a day.

This benefit provides professional assistance for awide range of issues such as:

• Personal and work-related stress;

• Couple and marital relationships;

• Childcare and parenting issues

• Family matters;

• Eldercare concerns;

• Depression and anxiety;

• Alcohol and drug abuse;

• Legal matters and financial concerns.

For additional information, please refer to thebrochure available from the Administrator. Access the Employee and Family Assistance Program (EFAP) 24/7 by phone, web or mobile app.www.workhealthlife.com or call 1-800-387-4765 /TTY: 1-877-338-0275.

SUBSTANCE ABUSE REHABILIATION ASSISTANCE (SARA)*

It is recognized that there will be circumstances where counseling alone is not enough to properlydeal with alcohol or chemical dependency. The cost

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of obtaining the proper assistance can be more than you or your family is able to afford. If you or a familymember suffers from alcohol or chemical depend -ency, the Plan may be able to offer you assistancewith the cost of treatment at approved facilities.

Assistance is limited to a lifetime maximum of$15,000 per family, for Members in good standingwith their Q.C.C.C. Affiliated Union at the time therequest for assistance is made. The Member mustalso have 500 hours reported to the NDT IndustryHealth Benefit Plan in the last 12-month period or have been covered under the Full Plan for 4-consecutive months prior to making application for SARA. If a Member is not in good standing at thetime of applying for SARA, provided all othereligibility criteria is met, they may bring their unionmembership into good standing and reapply. Acertificate of completion of the program must beprovided to the Plan Administrator or all costs paid by the Plan on behalf of such treatment are requiredto be refunded to the Plan. The person requiring such assistance must sign a Loan Agreement with thePlan stating their agreement to comply with thisrequirement.

*Members from the Central Region receive substanceabuse rehabilitation services through De Novo Treat -ment Centre. De Novo is an Alcohol and drug treat -ment service operated as a partnership betweenmanagement and Unionized members of Ontario’sConstruction Trades. De Novo provides free assess -ment, referral, residential treatment and recoverysupport for Quality Control Council members thatwork in Ontario.

Please contact the Plan Administrator to determine ifyou meet the required eligibility for assistance.

EXTENDED HEALTH BENEFITS

For Employees and Eligible Dependents

In-Canada expenses are reimbursed as indicated onPage 1.

Out-of-Province/Canada emergency medical cover -age is provided to eligible Employees and theirdependents under age 75 up to a maximum of$5,000,000 per coverage period.

Benefits:

The Extended Health Benefit is designed to help youpay for specified services and supplies incurred by

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you and your dependents, when not provided undera government health plan or by a tax supportedagency.

The following are classed as eligible expenses whenincurred as the result of necessary treatment ofillness or injury and where applicable when orderedby a physician.

1) Prescription Drugs (Generic Substitution Always) –Pay Direct Drug Card Benefit – present your drugcard, along with your prescription, to your phar -macist and your prescription drug claim will beadjudicated right at the pharmacy. Reimburse -ment of prescription drugs is based on the cost ofthe lowest priced generic equivalent drug. Usingyour drug card eliminates the need to send in yourprescription receipt and wait for reimbursement.Your Plan provides coverage for prescription drugsand medicines (including oral contraceptives)which require, and can only be obtained, with thewritten prescription of a licensed physician ordentist if provincial law permits. Drugs andmedicines are limited to a 60 day supply (100 daysfor long term therapy drugs). Refills are not per -mitted to be dispensed earlier than what isdeemed to be reasonable and customary. Vacationsupplies of your medications, which are outsidethe regular days supply limits must be pre-authorized by the Plan and must be paid for in fullby the Employee and submitted to the Plan forreimbursement. Smoking cessation products willbe covered up to a maximum of $650 per calendaryear. Dispensing fees over $8.00 per prescriptionare not covered by this Plan.

Drugs and medicines that can normally bepurchased “over the counter” are excludedregard less of a prescription having been issued.Fertility drugs, vitamins, preventative drugs,dietary foods and supplements are also excluded.

There are a number of prescription drugs whichare not eligible under a Provincial standard drugformulary, but may be eligible under their SpecialAuthority Program. You may be requested by thePlan to have your doctor apply for SpecialAuthority for one or more of the drugs you havebeen prescribed. Should a Provincial plan approvethe application for Special Authority, such drugswill be applied towards your annual Provincialdeductible.

PLEASE NOTE: It is mandatory for all Employees,who are BC residents, to register for the provincial

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Fair PharmaCare program and provide proof ofsuch registration to the Administrator in order tocon tinue to receive benefits under the Plan. Toregister for the Fair PharmaCare Program call 604-683-7151 from Vancouver and toll-free 1-800-663-7100 from the rest of BC.

If you prefer to go on-line to the Fair PharmaCare websitethe address is http://www2.gov.bc.ca/gov/content/health/health-drug-coverage/pharmacare-for-bc-residents

Once you have registered please contact theAdministrator to provide your registration number.

2) Vaccinations for preventative treatment of com -mu n icable diseases.

3) Charges in excess of the amount payable underthe Insured Person’s Provincial Medical Plan forprofessional licensed ambulance service in anemergency including transportation by railroad,boat or airplane, or in acute emergency by airambu lance, from the place where the injury orsick ness occurs to the nearest acute generalhospital and return fare, including round trip farefor one attending person (doctor, nurse, first aidattendant), where necessary. Transportationarranged after waiting for hospital accom -modation for a condition not requiring immediateattention or transportation arranged at thepatient’s convenience are not eligible expenses.

4) Charges for out-of-hospital private duty nurseservices when medically necessary. Services mustbe for nursing care, and not for custodial care. Theprivate duty nurse must be a nurse, or nursingassistant who is licensed, certified or registered inthe province where you live and who does notnormally live with you. The services of a registerednurse are eligible only when someone with lesserqualifications cannot perform the duties.

5) Convalescent Home or Physical RehabilitationFacility room and board charges, excluding chargesfor chronic care, if the Insured Person’s residencein the institution:

1. is certified as medically necessary by aPhysician,

2. occurs within 48 hours after a Hospital stay ofat least 3 consecutive days, and

3. is due to the same sickness or accidental bodilyinjury which was the reason for the Hospitalstay.

Charges are limited to a maximum of 120 days.

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6) Charges from a massage therapist, podiatrist/chiropodist, chiropractor, naturopath or osteo -path who is registered and legally practicingwithin the scope of his/her license. These chargeswill be reimbursed at 90% up to a calendar yearmaximum of $500 per insured person for eachpractitioner. Charges for speech therapist, physio -therapist or psychologist have no annual limit,provided the practitioner is registered and legallypracticing within the scope of his/her license.With respect to Office Personnel and theirdependents, charges for speech therapist,physiotherapist or psychologist are limited to $500 per insured person per calendar year perpractitioner type for claims incurred on or afterJuly 1, 2018. Psychology services may be providedby a Registered Psychologist, Registered ClinicalCounsellor or a Licensed Social Worker.

7) Charges for oxygen, blood or blood plasma,ostomy or ileostomy supplies.

8) Charges for walkers, canes and cane tips,crutches, splints, casts, collars and trusses but notelastic or foam supports.

9) Charges for testing supplies, needles and syringesfor diabetics.

10) Artificial limbs and eyes (please contact the PlanAdministrator for applicable maximums).

11) Charges for surgical stockings to a maximum of$100 per calendar year.

12) Charges for stump socks.

13) Charges for surgical brassieres up to 2 percalendar year.

14) Cataract surgery foldable lens.

15) Orthopedic supplies: Arch supports (limited to$400 per year), lifts, wedges, Dennis Brownesplints and shoes purchased and used in theapplication of such splints. If orthopedic shoesthat are not part of a brace or splint areprescribed by a doctor, 50% of their cost will beeligible.

16) Charges for rigid support braces and permanentprostheses (artificial eyes, limbs, larynxes andbreast prosthesis – 2 per calendar year). Myo -electrical limbs are excluded but the Plan will paythe equivalent of a standard prosthesis up to$2,000 per calendar year.

17) Cost of rental or where more economical,purchase of durable equipment for therapeutictreatment including wheelchairs, hospital beds.The lifetime maximum for durable equipment is$10,000 and expenses in excess of $5,000 requirepre-authorization from the Plan in advance ofpurchase/rental.

18) Charges made by a dentist for the repair orreplace ment of sound, vital, natural teeth or thesetting of a fractured or dislocated jaw if:

• those services are required as a result of adirect accidental blow to the month and not asa result of an object placed in the mouth;

• the accident occurred while the person iscovered under this benefit; and

• the charges are incurred within 24 months ofthe date of the accident.

19) Hospital charges made by an approved acutegeneral hospital in your province of residence, forthe difference between ward cost and semi-private room, or if required as medicallynecessary by a physician, private accommodation(not including rental of telephone, T.V. etc.).

20) Costs of hearing aids and repairs to a maximum of$500 in a 5 year period for adults and dependentchildren when prescribed by a certified Ear, Noseand Throat Specialist. Maintenance, batteries orother accessories will not be covered.

21) Wigs and hairpieces required as a result ofmedical treatment or injury, up to a lifetimemaximum of $500 per person.

22) X-ray examinations and other diagnostic labora -tory services (with respect to residents of theProvince of Quebec).

VISION CARE (part of EHB, paid at 90%)

A benefit of $525 per Employee/spouse and $375 pereligible dependent in any 24 consecutive months isavailable.

The following expenses shall be eligible forreimbursement:

a) one set of single vision, bifocal or trifocal lenses,prescribed by a person legally qualified to makesuch a prescription;

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b) one set of frames required when glasses are firstprescribed or required to accommodate newlenses if existing frames are not serviceable;

c) contact lenses prescribed by a person legallyqualified to make such a prescription;

The cost of eye exams performed by a LicensedOptometrist or Ophthalmologist covered under theabove maximum.

Laser Eye Surgery

For Employees only, Laser Eye Surgery will bereimbursed at 100% to a lifetime maximum of $1,500. There is no Laser Eye Surgery coverage fordependents. For laser eye surgery claims incurred onor after July 1, 2018, when an Employee claims thelifetime maximum for laser eye surgery, they will notbe entitled to claim any expenses under Vision Carefor the next three 24-month periods.

Vision Exclusions and Limitations

The cost of the following items is excluded from thisPlan:

a) duplicate or spare eye glasses or any lenses orframes thereof;

b) sun glasses (plain or prescription);

c) safety glasses which are not prescription;

d) replacement of lost, stolen or broken lenses orframes.

EXCLUSIONS and LIMITATIONS:

The Plan’s Extended Health Benefits does not cover:

a) expenses for benefits, care or services payable byor under the Provincial Medical Plan, PharmaCare,any Hospital Program or the Worker’s CompensationAct, whether or not a claim is made thereunder orprovided without cost or at nominal cost by anypublic or tax-supported authority or agency or forwhich the Employee or dependent can recoverfrom another party;

b) Physiotherapy, Massage Therapy or Chiropractorexpenses incurred as a result of a motor vehicleaccident;

c) any amount of fees in excess of the usual orrecognized fees for the service performed;

d) expenses incurred outside the province of resi -dence unless resulting from an unexpected injuryor sickness occurring while temporarily travelingoutside the province and then only to the extent

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provided under the section Out–of-ProvinceEmergency Eligible Expenses;

e) expenses of services and supplies for cosmeticpurposes;

f) expenses caused, contributed to or necessitatedas a result of:

• war or any act of war or participation in a riot orcivil insurrection;

• injury or sickness which was intentionally self-inflected, whether sustained or suffered whilesane or insane;

• occupational illness or injury; or

• the commission by the person of any unlawfulact including an offense under the Criminal Codeof Canada;

g) any expenses that a covered person may obtain asa benefit under any government plan or law;

h) any payment to a medical practitioner whether ornot a participant in the Provincial Medical Plan inwhich is demanded or received by means ofbalanced billing, extra billing or extra chargingwhich represents an amount in excess of theschedule of costs prescribed by the ProvincialMedical Plan;

i) anything not ordered by a doctor, or not necessaryfor medical or vision care;

j) charges for “check-ups (including screening,routine physical examinations, PSA Testing andresearch studies) unless part of an illness, injury or pregnancy (including pre and post natal care);

k) services of an acupuncturist;

l) prescription drugs, medical testing, surgicalprocedures and appliances considered by the Planto be experimental and not recognized by HealthCanada as an established standard treatment forthe condition.

m)Medical Marijuana, in any and all of its forms.

Out-of-Province/Canada Emergency EligibleExpenses

Charges for services and supplies required as a resultof a medical emergency occurring while travelling if:

• you or your dependent is covered under aProvincial Medical Plan; and

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• treatment could not have been delayed untilreturn to Canada.

Emergency Medical Insurance & Travel Assistance

While you are travelling outside your Province ofresidence carry the wallet card that has beenprovided to you.

Travel insurance is designed to cover losses arisingfrom sudden or unforeseeable circumstancesoccurring while you are temporarily travelling outsideyour province or territory of residence. It is importantthat you read and understand your Plan before youtravel. In the event of any discrepancy between theprovisions of a booklet or other document you holdand the provisions of the Policy, the provisions of the Policy shall govern. The Plan has contractedViator/Global Excel Management Inc. (called GlobalExcel) to provide medical assistance and claimsservices under the Policy. This is a summary ofbenefits. A complete booklet is available from the Plan Administrator.

Coverage Period: 60 days per trip.

IN THE EVENT OF AN EMERGENCY, YOU MUST CALL GLOBAL EXCEL IMMEDIATELY

The emergency telephone numbers are listed on theback of the Medical Assistance Card.

Global Excel must be contacted before you seekmedical treatment. If your condition renders youunable to do so, then someone else must contactGlobal Excel immediately for you. Do not assume thatsomeone will contact Global Excel on your behalf. Itremains your responsibility to ensure that GlobalExcel has been contacted prior to receiving medicaltreatment or as soon as reasonably possible.

If you incur any expenses without prior approval byGlobal Excel, such expenses will be covered, exceptwhere the policy expressly requires the priorapproval or authorization of Global Excel, on the basisof the reasonable and customary costs that wouldhave been payable for such expenses by the insurerin accordance with the terms and conditions of thepolicy. Such expenses may be higher than thisamount, therefore you will be responsible for payingany difference between the amount you incur andthe reasonable and customary costs reimbursed bythe insurer.

In an emergency the policy covers expenses that are:

• incurred outside the province or territory ofresidence of the insured person;

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• medically necessary;

• reasonable and customary costs;

• incurred as a result of an emergency due tosudden and unforeseen sickness and/or injuryoccurring during the coverage period;

• in excess of those covered by the GovernmentHealth Insurance Plan or other insurance underwhich you may have coverage; and

• legally insurable;

• subject to the overall maximum per insuredperson of $5,000,000 per coverage period.

A Medical Assistance Card, with worldwide contactnumbers, for the Viator Emergency coverage shouldbe carried by the Insured when travelling. These cards can be obtained from the employer orAdministrator. Full details of the Out-of-Canada/Province can be obtained on the NDT Industrywebsite www.ndtbenefits.org. Employees workingoutside of Canada must arrange for addi tionalcoverage.

Claims Procedures

You are responsible for providing all the documentsoutlined below and for any charges levied for thesedocuments. To file a claim, you must:

a) include the policy number, the patient’s name(married and maiden, if applicable), date of birth,and Canadian provincial or territorial GovernmentHealth Insurance Plan number with its expiry dateor version code (if applicable);

b) submit all original itemized bills from the medicalprovider(s) stating the patient’s name, diagnosis,all dates and types of treatment, and the name ofthe medical facility and/or physician;

c) provide the original prescription drug receipts (not cash receipts) from the pharmacist, physicianor hospital showing the name of the prescribingphysician, prescription number, name of prepa -ration, date, quantity and total cost;

d) provide proof of the departure date(s) and returndate(s);

e) provide written proof of claim within ninety (90)days of the date of receipt of services coveredunder the policy;

f) provide additional information pertinent to yourclaim, as may be required by Global Excel afterreceipt of your claim;

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g) sign and return the authorization form, providedby Global Excel, allowing the insurer to recoverpayment from the Canadian provincial or terri -torial Government Health Insurance Plan. Theinsurer will coordinate and pay your claim to theparticipating medical providers and wherepermitted, coordinate claims directly with theCanadian provincial or territorial GovernmentHealth Insurance Plan on your behalf; and

h) return the unused portion of your air ticket toGlobal Excel if the Emergency Air Transportationbenefit is used.

All sums under this Plan are in Canadian currencyunless otherwise indicated. If you paid a coveredexpense in a currency other than Canadian currency,you will be reimbursed in Canadian currency at therate of exchange on the date that the claim paymentis made. This insurance will not pay interest.

Any information not provided may result in a delay inprocessing your claim.

All pertinent documents should be sent to:

Global Excel Management Inc.73 Queen St., Sherbrooke, Quebec J1M 0C9Tel.: 1-866-870-1898 (toll free) or(819) 566-1898 (collect) during business hours (EST)

Policy Number: 1063911

Emergency Out of Country coverage has a maximumof $5 Million per coverage period.

DENTAL

For Employees and Eligible Dependents

Dental expenses are reimbursed as indicated on Page 2.

Part I – Basic Services

The following services are eligible for reimbursementof the lesser of 100% of the amount charged or 100% of the Dental Association Fee Guide (GeneralPractitioner) in the Province of residence.

1) Diagnostic ServicesAll necessary procedures to assist the dentist inevaluating the existing conditions to determinethe required dental treatment, including:

• Oral examinations: limited to two in anycalendar year for dependent children under theage of 13 and once every calendar year foradults and dependent children 13 years of age

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and older; however, complete oral examinationsare limited to once every 36 months

• Specific examinations

• Consultations (as a separate appointment)

• Dental x-rays: bite-wing x-rays are limited to oneset in any 6 month period, full mouth x-rays arelimited to one set in any 36 month period, andpanoramic film is limited to one x-ray in any 36 month period

• Diagnostic models: limited to reasonable andcustomary.

2) Preventative Services All necessary procedures to prevent the occur -rence of oral disease, including:

• Cleaning and the topical application of fluoridelimited to twice in any calendar year

• Scaling and root planning (combined maximumof 16 units per calendar year)

• Pit and fissure adhesive sealants limited to onceper tooth every 12 months for dependentchildren under the age of 19

• Fixed space maintainers on primary teeth fordependent children under 21.

3) Surgical ServicesAll necessary procedures for extractions and otherroutine oral surgical procedures normally pre -formed by a dentist.

4) Restorative Services All necessary procedures for:

• Filling teeth with amalgam, silicate, acrylic orcomposite restorations

• Replacement restorations if at least 12 monthshas elapsed since initial placement.

• Stainless steel crowns on primary teeth

5) Prosthetic Repairs and MaintenanceRepair if a 6-month period has elapsed since thelast date on which the dentures were provided.

Denture maintenance, after the 3 month postinsertion care period, including:

• denture relines for dentures at least 6 monthsold, once every 36 months

• denture rebases for dentures at least 2 yearsold, once every 36 months

• resilient liner in relined or rebased dentures,once every 36 months.

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6) Endodontia (Root Canals)All necessary procedures required for pulpaltherapy and root canal filling. Repeat treatment iscovered only if the original treatment fails afterthe first 18 months.

7) PeriodontiaAll necessary procedures for the treatment oftissues supporting the teeth including grafts.

8) AnesthesiaGeneral anesthesia required in relation to oralsurgery.

Part II – Major ServicesProsthetic Appliances, Veneers, Crowns and BridgeProcedures

The following services are eligible for reimbursementof the lesser of 100% of the amount charged, or 100%of the Dental Association Fee Guide (GeneralPractitioner) in the Province of residence. Inlays andonlays will be covered only when other materialcannot be used satisfactorily. Patients choosing goldwhere other materials would suffice will be respon -sible for the cost difference. A pre-authorization issuggested.

• Initial installation of full or partial dentures, orfixed bridgework, if required to replace one ormore natural teeth that have been extracted whilecovered under this plan. Partials may only beprovided by a dentist.

• Initial placement of a crown or veneers and theirreplacement if at least 4 years has lapsed.

• Replacement of an existing full or partial denture ifat least 4 years has lapsed

• Fixed bridgework, if the existing bridgework wasinstalled 4 years prior to its replacement and can -not be made serviceable.

• Dentures misplaced, lost or stolen will not bereplaced at the Plan’s expense.

Charges made by a licensed Denturist will berecognized for payment, in accordance with aseparate Schedule of Allowances.

Replacement dentures may be eligible with 70%reimbursement if:

• a replacement is made necessary by the initialplacement of opposing full denture of the extrac -tion of natural teeth

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• the denture is a stay-plate or is being replaced by apermanent denture

• the denture, while in the oral cavity, has beendamaged beyond repair as a result of an injurywhile covered.

Part III – Orthodontia (dependent children under 21 years of age)

To be eligible for this benefit, you must have beencovered under the Plan for at least 3 consecutivemonths.

For orthodontia services performed by an ortho -dontist payment will be made at 75% to a maximumof $3,000.00 every 24 consecutive months. Paymentof claims will be paid on the basis of eligibility andwork completed. Appliances lost, broken or stolenwill not be replaced at the Plan’s expense.

Pre-Treatment Estimate of Major Restorative &Orthodontic Charges

Prior to the commencement of treatment, the dentistshould provide a summary of charges for the pro -posed course of dental care. The Plan will thenprovide a written estimate of the maximum amountfor which payment will be made.

Alternative Services:

If alternative services may be performed for thetreatment of a dental condition, the maximumamount shown in the suggested Fee Guide for theleast expen sive service or supply required to producea professionally adequate result will be considered.

Open Space Limitation

You must be covered under the Plan for a minimumof 2 years (24 months) to have expenses eligible for coverage due to a tooth missing prior to beingcovered under this Plan.

Emergency Dental Care Anywhere in the World

In an EMERGENCY, while you are travelling or onvacation outside of your Province of residence, youare entitled to the services of a duly qualified dentistand will be reimbursed at the lower of the actual costor the amount that would have been paid had theservice been rendered in Province of residence.

EXCLUSIONS and LIMITATIONS

The Plan’s Dental benefits do not cover payment for:

• items not listed in the Fee Schedule and fees inexcess of those listed in the Fee Schedule;

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• charges for broken appointments, oral hygiene ornutritional instruction, completion of forms,written reports, communication costs or chargesfor trans lating documents;

• dental care which is cosmetic;

• dental care provided under a medical planprovided by an employer or government.

• which, in the absence of coverage, there would beno charge;

• stainless steel crowns on permanent teeth;

• protective athletic appliances;

• anesthesia not done in conjunction with surgery,and charges for facilities, equipment and supplies;

• a full mouth reconstruction, for a verticaldimension correction, or for diagnosis orcorrection of a temporomandibular jointdysfunction;

• replacement of a lost or stolen prosthesis;

• incomplete and temporary procedures;

• any dental charge for services which were startedprior to the date of coverage; or

• dental treatment which was ordered whilecovered, (which included lab work and impres -sions), but was not installed or delivered untilmore than 31 days after the dental benefitterminated.

Expenses recoverable under any other Plan will be co-ordinated with payments from this Plan, so thattotal payment received will not exceed the expensesactually incurred.

TO MAKE A CLAIM

Extended Health Benefits and Dental:

Claim forms for Extended Health Benefits can beobtained from the Administrator’s Office, youremployer, your Union Office or the NDT website atwww.ndtbenefits.org. Standard BC Dental claimforms are usually provided by your dentist, but ifrequired, Dental claim forms can also obtained asabove.

Although claims for Extended Health Benefits andVision Care can be made at any time, it would bepreferable if they were sent every two or threemonths. All claims must be received by theAdministrator by December 31st of the year following

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the year the expenses were incurred to be consideredfor payment.

COORDINATION OF BENEFITS:

1) When co-ordinating benefit payments, D.A. Townleywill comply with the Canadian Life and HealthInsurance Association (CLHIA) guidelines in effecton the date the Eligible Expense was incurred.

2) If the Employee or Dependent is also coveredunder the Spouse’s plan or under any other groupplan which provides similar benefits, payment willbe co-ordinated and/or reduced to the extent thatbenefits payable from all plans will not exceed100% of the Eligible Expense (for dental, the feeguide applies).

3) The plan that determines benefits first (primarycarrier) will calculate its benefits as though dupli -cation of coverage does not exist.

4) The plan that determines benefits second (sec -ondary carrier) limits its benefits to the lesser of:

a) the amount that would have been payable hadit been the primary carrier, or

b) 100% of all Eligible Expenses reduced by allother benefits payable for the same expensesby the primary carrier.

5) If the other plan does not contain a co-ordinationof benefits clause, payment under that plan mustbe made before the Plan will pay under thisprovision.

6) Extended health benefit plans with dental accidentcoverage determine benefits before dental plans.

7) If priority cannot be established in the abovemanner, the benefits will be prorated inproportion to the amounts that would have beenpaid had there been coverage by just that plan.

8) When the Plan has paid benefits to the Employeeto the limit of the Provincial plan’s deductible, thePlan will pay their portion of the Eligible Expensesbased on the Plan’s reimbursement percentage.

9) The Employee will provide the informationrequired to implement this provision. It is theEmployee’s responsibility to present a copy of theoriginal claim form and the remittance statementor cheque stub when making further claim underthis provision.

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When submitting eligible claims, please be sure toinclude:

– Your Name (please print)– Your Address– Your Certificate Number/ID Number (SIN)– Your Local Union

All claims should be forwarded to the Administrator’soffice.

by mail to:

NDT INDUSTRY HEALTH BENEFIT PLAN4250 Canada Way

Burnaby, British Columbia V5G 4W6

or by fax to:(604) 299-8136

or by email to:Email: health@datownley.com

THE MINI PLAN

If you are working under the Quality Control Council of Canada Agreement and are not qualified for the Full Benefit Plan, you should be covered under theMini Plan.

Life InsuranceFor Employees $100,000

Accidental Death & DismembermentFor Employees $100,000

ELIGIBILITY

QCCC Members and Probationary Employees(Employees not initiated with a Q.C.C.C. AffiliatedUnion Local) will become covered as of the datehe/she commences working for a ParticipatingEmployer, regardless of the number of hours worked,provided the employer makes the appropriate contri -butions to the Plan. Coverage will be provided untilthe end of the calendar month following the date ofemployment, provided he/she does not qualify forthe Full Benefit Plan in the meantime. A Membermust be in good standing with one of the AffiliatedUnions listed in the Q.C.C.C. Agreement to be eligiblefor Full Plan benefits.

Example: Employed April 16th, covered April 16th toMay 31st.

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Example: Employed April 16th and also earned 120 hours in April. Covered under the Mini Plan fromApril 16th to April 30th and the Full Benefit Planeffective May 1st.

NOTE: If the Member earned fewer than 90 hourswith one employer (Mini Plan), but 90 hours with 2 ormore employers, he/she may be eligible for the FullBenefit Plan. Please contact the Administrator fordetails.

TERMINATION

Coverage under the Mini Plan terminates on the lastday of the month following the month last worked oron the date the Full Benefit Plan coverage com -mences, if prior to that date. There is no self-payprovision under the Mini Plan.

DESCRIPTION OF BENEFITS

Please refer to the benefit descriptions for LifeInsurance and Accidental Death & Dismembermentoutline in this booklet.

EMPLOYEE WEBSITE & DIRECT DEPOSIT

For Extended Health and Dental you can now viewand print your claim history by using D.A. Townley’sEmployee Website at www.ndtbenefits.org. You canalso arrange to have your claim reimbursementsdirectly deposited into your bank account bycompleting the Direct Deposit Registration form, also available on the D.A. Townley website atwww.ndtbenefits.org.

RIGHTS TO COPIES OF DOCUMENTS

Effective July 1, 2012, if an employee/member lives in British Columbia or Alberta, they have the right torequest, with reasonable notice, copies of documentsthat relate to the Plan. Legislation allows for them toobtain copies of the following documents:

• Their enrolment form or application for insurance

• Any written statement or other record, not other -wise part of the application, provided to the insureras evidence of insurability

• A copy of the contract/policy

The first copy will be provided at no cost to theemployee and a fee may be charged for subsequentcopies. All requests for copies of documents shouldbe directed in writing to D.A. Townley.

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LEGAL ACTION

Every action or proceeding against the Plan for therecovery of benefits payable under the Contract isabsolutely barred unless commenced within the timeset out in the Insurance Act.

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Blank inside back cover

DEC/19

THE ADMINISTRATOR

NDT INDUSTRY HEALTH BENEFIT PLAN

4250 Canada WayBurnaby, British Columbia V5G 4W6

Phone (604) 299-7482Facsimile (604) 299-8136Toll Free 1-800-663-1356

Email: ndthealth@datownley.comwww.ndtbenefits.org

Benefits Provided By:

Great-West Life Assurance Company#161133

Life InsuranceLong Term Disability

NDT Industry Health Benefit Plan#52565

Weekly IndemnityExtended Health Benefits

Dental

BC Life and Casualty Company#793960007

Accidental Death & Dismemberment

RSA Travel Insurance Inc.#1063911

VIATOR/Global Excel Out of Province/Canada Emergency

Excess Medical and HospitalTravel Insurance

Employee and Family Assistance Program#7026Shepell

This booklet explains in general terms the Plan ofbenefits and coverage in effect. It is not to beconsidered a contract of insurance. The completeterms of the Plan are set forth in the group policiesissued to the Trustees.