BC MARINE INDUSTRY

E M P L O Y E E H E A L T HB E N E F I T P L A N

www.bcmarinebenefits.org

January 2018

Address all inquiries to:

THE ADMINSTRATOR

BC MARINE INDUSTRY EMPLOYEEHEALTH BENEFIT PLAN

Suite 160 – 4400 Dominion StreetBurnaby, BC V5G 4G3

Telephone 604-299-7482Fax 604-299-8136

Toll Free 1-800-663-1356

*Including amendments to February 2016

1

PRIVACY POLICY

We, the Trustees of the BC Marine Industry EmployeeHealth Benefit Plan have adopted the following PrivacyPrinciples, which reflect our commitment to safeguardingour employee’s personal information:

• Information about you and your communications withthe Plan are kept confidential.

• Neither the Administrator, nor the Plan will sell yourpersonal information.

• Information about you is gathered lawfully and fairly.

• Information about you is gathered, used, or disclosedonly to provide you with benefits and services as outlinedin your plan documents.

• We maintain appropriate procedures to ensure thatpersonal information in our possession is accurate and,where necessary, kept up to date. You are entitled to seeka correction of your personal information if you believethat the information held by the Plan is not accurate.

• You may access your personal information, subject tolimited exceptions and conditions.

• Personal information is not disclosed without employee’spermission except in limited circumstances as permittedor required by law. However, the Administrator may sharepersonal information with the Plan’s actuaries, agents,consultants or service providers in connection withproviding, administering, adjudicating, costing, finan -cially managing and servicing employee’s Plans andbenefit programs.

• Where we choose to have certain services, such asactuarial valuation, provided by third parties, we take allreasonable precautions regarding the practices employedby the service provider to protect your personal infor -mation. We ask that they, in turn, undertake to honour thePlan’s privacy policy and applicable legislation.

• To protect your personal information againstunauthorized access, disclosure, copying, use or modi -fication, theft or accidental loss, the Plan will maintainappropriate security mechanisms.

The Trustees

2

FORWARD

This booklet describes the BC MARINE INDUSTRYEMPLOYEE HEALTH BENEFIT PLAN. The Plan is theresult of collective bargaining between the Unions andEmployers. However, it does not create or confer any rights.These benefits may be amended from time to time by theTrustees or in response to changes through collectivebargaining. The exact terms of the Plan are stated in theMaster Policies and Contract as governed by the Board ofTrustees of the BC Marine Industry Employee HealthBenefit Plan.

The Plan operates under the jurisdiction of a Board ofTrustees composed of Union Trustees from theInternational Longshore and Warehouse Union Local 400Marine Section, the Seafarers’ International Union ofCanada and Employer Trustees appointed by the Council of Marine Carriers.

Both British Columbia and Alberta have passed legislationaffecting the use of self-insured funding for providingbenefit plans. In each case, the legislation allows for the useof self-insured funding, subject to disclosing this infor -mation to the covered employees in writing.

The Trustees are constantly attempting to provide benefitsunder the Plan to the employees in the most cost-effectivemanner. For some benefits, such as Dental, WeeklyIndemnity and some portions of the Extended HealthBenefits, it is not always necessary to use the services of an insurance company. Consequently, some benefitsprovided through the Plan are not insured by an insurancecompany regulated under the Financial Institutions Act, and the Plan is exempt from the regulatory requirements of the Act.

The details of the Plan are outlined in this booklet. Pleaseread it carefully and retain it for future reference. It replacesany previous booklet you were given.

BOARD OF TRUSTEES

3

The following is an outline of the BC Marine IndustryEmployee Health Benefit Plan. The information in thisbenefits booklet is important to you. It provides the infor -mation you need about the group benefits available throughthe BC Marine Industry Employee Health Benefit Plan.

SUMMARY OF BENEFITS

Life Insurance Refer to your Identification Cardand Collective Agree ment for yourbenefit amount*

*coverage for all working employeesreduces to a flat $25,000 at age 65and terminates at age 70.

Accidental Death Duplicates the Life Insurance& Dismemberment

Uninsured Life and Flat $10,000 per benefitAccidental Death &Dismemberment

Weekly Indemnity Refer to your Identification Card and Collective Agree ment for yourbenefit amount

Long Term Disability Refer to your Identification Cardand Collective Agree ment for yourbenefit amount

Extended Health Refer to your Identification CardBenefits and Collective Agree ment for your

benefit amount

Out of Canada $5 Million maximum per coverageEmergency Coverage period to age 80.

Dental Plan Refer to your Identification Cardand Collective Agree ment for yourbenefit amount

4

PART IEligibility and General Information

COMMENCEMENT OF COVERAGE

All eligible employees will be covered immediatelyfollowing 90 days of continuous employment with aparticipating Employer, provided a Group InsuranceEnrolment Card has been completed and submitted to theAdministrator.

Employees absent due to disability, temporary lay-off orleave of absence on the date they would normally becomeeligible will be covered from their date of return to activefull-time employment.

Eligible dependents will be covered on the employee’seffective date, provided dependent coverage is requested.Newly acquired dependents must be enrolled within 31 daysof becoming eligible.

No Medical Examination

No medical examination or other evidence of insurabilitywill be required in order to join the Plan. Evidence ofinsurability may be required for Long Term Disabilitycoverage for NEW units with less than 10 employees NOT under the jurisdiction of a labor agreement with theI.L.W.U. or S.I.U.

Dependent Coverage

The Plan will provide Dental, Extended Health Benefits and 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 dependent on and livingwith the covered employee;

c) Any unmarried child of a covered employee to age 25provided the child is in full-time attendance at arecognized school, college, or university;

d) Any unmarried mentally or physically handicapped childof a covered employee to any age, provided such personis mainly dependent on and living with the coveredemployee or the spouse of the covered employee.

*Spouse means the employee’s legal spouse, or a personwho has been residing with the employee continuously fora period of at least 12 consecutive months and has been

5

publicly represented as the Member’s spouse in thecommunity in which they reside.

When completing your application forms for coverage,please include all dependents to be covered. To add, deleteor change the dependents covered, obtain an Enrolment andBeneficiary card from the Administrator or your Unionoffice, and forward it to the Administrator’s office.

Termination of Coverage

Coverage will be terminated on the last day of the calendarmonth in which employment terminates. However, “lay-days”, shall constitute continuation of employment. Forexample, if employment is terminated and the employee has“lay-days” to his/her credit, coverage will terminate on thelast day of the calendar month in which such credit isexhausted.

Dependent coverage will terminate on the same day as that of the employee or upon ceasing to be a dependent as defined.

Eligibility for Long Term Disability coverage will terminateon the last day of the calendar month in which the employeeattains age 64, even if the employee remains employedthereafter.

Reinstatement

Coverage will be reinstated immediately for any eligibleemployee who returns to active full-time employment withany participating employer within 12 months of the datehis/her coverage terminated. If the employee does not return to active full-time employment within the 12 monthperiod, he/she will be considered a new employee and will be covered upon completion of 90 days continuousemployment with any one participating employer.

Temporary Lay-off and Leave of Absence

Coverage will terminate on the last day of the month inwhich employment terminates. Lay-days shall constitutecontinuation of employment. For example, if you are laid-off in September with no lay-day entitlement, coverage willterminate on the last day of September. If you have lay-dayentitlement and such entitlement carries your employmentinto October, coverage will terminate the last day ofOctober.

6

At the employee’s option, arrangements may be made forcoverage to be continued for up to 2 months from the endof the month in which lay-off or leave of absencecommences, except in the case of an employee who isabsent from work during any period of formal maternityleave taken by the employee pursuant to provincial orfederal law or pursuant to mutual agreement between theemployee and the employer, such time limit shall beextended to the end of such maternity leave, subject topayment of premiums. The employer must notify theAdministrator within 5 calendar days of the end of thecalendar month during which coverage terminates, that an extension of coverage is desired, at which time paymentfor the required premium must be received by theAdministrator in full.

During a short-term lay-off, an employee may makearrangements to keep the benefits in force for up to twomonths from the end of the month in which the lay-offcommences. The employee must notify his/her employer,within 5 calendar days of the end of the calendar monthduring which coverage terminated, that an extension ofcoverage is desired. At the same time, the employee mustmake arrangements with his/her employer for full paymentof the premium.

During periods of extended lay-off, 3-6 months, andprovided the employee is available for work and not activelyworking outside the Industry, the employee may makearrangements for continuation of Life Insurance, AccidentalDeath & Dismemberment and Weekly Indemnity coverage,subject to full premium payment. Extended Health Care,Dental and Long Term Disability are not available duringthis period. The Weekly Indemnity would be payable fromthe first day of disability due to a non-occupational accidentand the 30th day of disability due to a non-occupationalillness. Benefits would be paid for a maximum period of 15 weeks.

Where an employee undertakes a course of study to upgrade or attain a recognized seagoing certificate,coverage may be continued for up to one year subject to payment of premiums.

Beneficiary

Upon enrolment in the Plan, an employee must designatethe beneficiary to whom the death benefits will be payable.Subject to any legal restrictions he/she may change their

7

beneficiary by completing the necessary change of bene -ficiary forms.

Survivor Benefits

Upon the death of a covered employee, the Plan willcontinue Dental and Extended Health Care coverage forsurviving eligible dependents to the end of the monthfollowing the month of death with no premium charge.

Employee Benefit Identification Card

An Identification Card will be issued to each employee. It will indicate the benefit entitlements pursuant to the terms of their employment.

PART IIDetails of Coverage Provided by the Plan

LIFE INSURANCE

Refer to your Identification Card and Collective Agreementfor the amount of benefit.

Any change to the amount of an employee’s Life InsuranceBenefit due to an earnings adjustment, negotiated benefits or a change in classification shall be effective on the date of that change, except if an employee is absent due tosickness or injury on the date that any increase in benefitswould normally take effect, in which case the increasedcoverage will be effective from the date of return to activefull-time employment.

In the event of your death while insured, the amount of your Life Insurance is payable to your beneficiary shouldyour death occur from any cause while you are insuredunder the group policy.

You may change your beneficiary at any time by providingwritten notice to the Administrator. If you do not designatea beneficiary, the insurance will be payable to your estate.

For working employees, the Life Insurance benefit reducesto $25,000 the 1st of the month following attainment of age65 and terminates at age 70. For Seaspan Shore Members,the Life Insurance benefit reduces to $25,000 the 1st of themonth following attainment of age 65, to $5,000 followingattainment of age 70 and terminates at retirement.

8

Waiver of Premium for Disability

If while insured for this coverage an employee becomestotally disabled for 12 consecutive months before age 70,the Insurer may waive the payment of the Life Insurancepremiums. Satisfactory proof must be given to Great WestLife within 3 months of the date of notice and thereafterwhen and as required by Great West Life once each year.

The amount of coverage continued is the amount for whichthe employee was covered for at the commencement of totaldisability. If the coverage would normally reduce when theemployee attains a certain age or for any other reason, theamount of coverage will reduce accordingly.

This extension of coverage will immediately terminate ifthe employee:

1) ceases to be totally disabled;

2) reaches age 70;

3) retires;

4) fails to furnish any required proof that the total disabilitycontinues; or

5) fails to submit to a medical exam by physicians namedby Great West Life when and as often as Great West Liferequires.

Continuation of Life Insurance on Termination ofCoverage

When your coverage with the Plan terminates prior to age 65,you may convert your Life Insurance to an individual policywithout a medical examination or health questionnaire. Theindividual policy would be for an amount not greater thanthe amount under the group policy and would be availableat any time within 31 days after termination of the groupinsurance. Contact the Administrator for details.

Your life would continue to be insured, under the grouppolicy during the 31 day conversion period, whether or notyou apply for an individual policy.

9

ACCIDENTAL DEATH ANDDISMEMBERMENT BENEFIT

AIG INSURANCE COMPANY OF CANADA

The Basic Accidental Death and Dismemberment plancovers you 24 hours a day, anywhere in the world, forspecified accidental losses occurring on or off the job. If you suffer any of the losses listed below in the scheduleof losses as the result of an accidental injury which resultsdirectly and independently of all other causes and the lossoccurs within 365 days of the date of the accident, thebenefits indicated below will be paid.

Who is Covered? Amount of Coverage

All Eligible Employees ………………An amount equal to thegroup life insurance

Spouse (under age 70) ……………………………………$20,000Dependent Children …………………………………………$5,000

Schedule of Losses

Loss of Life ……………………………………The Principal Sum

Loss of Both Hands …………………………The Principal Sum

Loss of Both Feet ……………………………The Principal Sum

Loss of Entire Sight …………………………The Principal Sumof Both Eyes

Loss of One Hand and ………………………The Principal SumOne Foot

Loss of One Hand and the …………………The Principal SumEntire Sight of One Eye

Loss of One Foot and the …………………The Principal SumEntire Sight of One Eye

Loss of One Arm………………………3/4 of The Principal Sum

Loss of One Leg ………………………3/4 of The Principal Sum

Loss of One Hand ……………………2/3 of The Principal Sum

Loss of One Foot………………………2/3 of The Principal Sum

Loss of The Entire Sight……………�2/3 of The Principal Sumof One Eye

Loss of Thumb and Index …………1/3 of The Principal SumFinger of the Same Hand

Loss of Speech and Hearing ………………The Principal Sum

Loss of Speech or Hearing ………�2/3 of The Principal Sum

10

Loss of Hearing in One Ear ………1/3 of The Principal Sum

Quadriplegia (total paralysis …………2x The Principal Sumof both upper and lower limbs)

Paraplegia (total paralysis of …………2x The Principal Sumboth lower limbs)

Hemiplegia (total paralysis of…………2x The Principal Sumupper and lower limbs of one side of the body)

Loss of Use of Both Arms …………………The Principal Sumor Both Hands

Loss of Use of One Hand …………2/3 of The Principal Sumor One Foot

Loss of Use of One Arm……………3/4 of The Principal Sumor One Leg

Loss of Four Fingers …………………1/3 of The Principal Sumof One Hand

Loss of All Toes of One Foot ……1/4 of The Principal Sum

“Loss” as above used with reference to quadriplegia,paraplegia, and hemiplegia means the complete andirreversible paralysis of such limbs; as above used withreference to hand or foot means complete severancethrough or above the wrist or ankle joint, but below theelbow or knee joint; as used with reference to arm or legmeans complete severance through or above the elbow orknee joint; as used with reference to thumb and index fingermeans complete severance through or above the firstphalange; as used with reference to fingers means completeseverance through or above the first phalange of all fourfingers of one hand; as used with reference to toes means,complete severance of both phalanges of all the toes of onefoot and as used with reference to eye means theirrecoverable loss of the entire sight thereof.

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

“Loss” as used with reference to “Loss of Use” means thetotal and irrecoverable loss of use provided the loss iscontinuous for 12 consecutive months and such loss of useis determined to be permanent.

All claims submitted under this policy for Loss of Use mustbe verified by agreement between a licensed practicing

11

physician appointed by the Policyholder and a licensedpracticing physician appointed by the Company, or in theevent that the two physicians so appointed cannot arrive at an agreement, a third licensed practicing physician shallbe selected by the first two physicians and the majoritydecision of the three physicians shall be binding on thePolicyholder and the Company. This procedure may bewaived by the Company at its sole discretion.

Exposure & Disappearance

If by reason of an accident covered by the policy an InsuredPerson is unavoidably exposed to the elements and, as aresult of such exposure suffers a loss for which indemnity is otherwise payable hereunder, such loss will be coveredunder the terms of the policy.

If the body of an Insured Person has not been found withinone year of disappearance, forced landing, stranding,sinking or wrecking of a conveyance in which such personwas an occupant, then it shall be deemed subject to all other terms and provisions of the policy, that such InsuredPerson shall have suffered loss of life within the meaning of the policy.

Beneficiary Designation

In the event of Accidental Loss of Life, benefits shall bepayable as designated in writing by the Insured Personunder the Policyholder’s current basic group life insurancepolicy. In the absence of such designation, benefits shall be payable to the Estate of the Insured Person.

All other benefits shall be payable to the Insured Person.

Repatriation Benefit

When injuries covered by this policy result in loss of life of an Insured Person outside 50 Km from their permanentcity of residence and within 365 days of the date of theaccident, the Company shall pay the actual expensesincurred for preparing the deceased for burial and shipmentof the body to the city of residence of the deceased but not to exceed the amount of $15,000.00.

Rehabilitation Benefit

When injuries shall result in a payment being made by theCompany under the Accidental Death and DismembermentIndemnity section of this policy, the Company shall pay in addition:

12

The reasonable and necessary expenses actually incurred upto a limit of $15,000.00 for special training of the InsuredPerson provided:

a) such training is required because of such injuries and inorder for the Insured Person to be qualified to engage inan occupation in which he would not have been engagedexcept for such injuries,

b) expenses be incurred within three years from the date of the accident,

c) no payment shall be made for ordinary living, travellingor clothing expenses.

Family Transportation

When injuries covered by the policy result in an InsuredPerson being confined to a hospital, outside 100 Km fromhis/her permanent city of residence, within 365 days of theaccident and the attending physician recommends thepersonal attendance of a member of the immediate family,the Company shall pay the actual expenses incurred by theimmediate family member for transportation by the mostdirect route by a licensed common carrier to the confinedInsured Person but not to exceed the amount of $15,000.00.

The term “member of the immediate family” means thespouse (or common-law spouse) parents, grandparents,children age 18 and over, brother or sister of the InsuredPerson.

Conversion Privilege

On the date of termination of employment or during the 60 day period following termination of employment, theemployee may change your insurance to the AIG InsuranceCompany of Canada’s individual insurance policy. Theindividual policy will be effective either as of the date thatthe application is received by the Insurance Company or onthe date that coverage under the policy ceases, whicheveroccurs later. The premium will be the same as you wouldordinarily pay if you applied for an individual policy at that time. Application for an individual policy may be made at any office of the AIG Insurance Company ofCanada. The amount of insurance benefit converted to shall not exceed that amount issued during employment.

13

Continuance of Coverage

In the case of employees of the Policyholder who are (1) laid-off on a temporary basis, (2) temporarily absentfrom work due to short-term disability, (3) on leave ofabsence, or (4) on maternity leave coverage shall beextended for a period of twelve (12) months, subject topayment of premium.

If an employee of the Policyholder assumes otheroccupational duties during the leave or lay-off period, no benefits shall be payable for a loss occurring during the performance of this occupation.

Waiver of Premium

In the event an Insured Person becomes totally andpermanently disabled and his/her waiver of premium claimis accepted and approved under the Policyholder’s currentgroup life policy, then the premiums payable under thispolicy are waived as of the same date the claim is acceptedand approved by the Group Life Plan Underwriter until oneof the following occurs, whichever is earlier:

a) The date the Insured Person attains age 65.

b) The date of the death or recovery of the Insured Person.

c) The date the Master Policy is terminated.

Seat Belt Rider

Benefits under the policy shall be increased by 10% if theinsured person’s injury or death results while he/she is apassenger or driver of a private passenger type automobileand his/her seat belt is properly fastened. Verification ofactual use of the seat belt must be part of the official reportof accident or certified by the investigating officer.

Home Alteration And Vehicle Modification

If an Insured Person receives a payment under Section III –Coverage herein and was subsequently required (due to thecause for which payment under Section III – Coverage wasmade) to use a wheelchair to be ambulatory, then thisbenefit will pay, upon presentation of proof of payment:

a) The one-time cost of alterations to the injured person’sresidence to make it wheel-chair accessible andhabitable; and

b) The one-time cost of modifications necessary to a motorvehicle, owned by the injured person, to make thevehicle accessible or driveable for the insured Person.

14

Benefit payments herein will not be paid unless:

i) Home alterations are made on behalf of the InsuredPerson and carried out by an experienced individual in such alterations and recommended by a recognizedorganization, providing support and assistance to wheel-chair users; and

ii) Vehicle modifications are made on behalf of the InsuredPerson and carried out by an experienced individual in such matters and modifications are approved by theProvincial vehicle licensing authorities.

The maximum payable under both Items A and B combinedwill not exceed $15,000.00.

Educational Benefit Rider

If indemnity becomes payable for the accidental loss of lifeof an Insured Employee of the Holder, under the policy, theCompany shall:

1) Pay the lesser of the following amounts to or on behalfof any dependent child who, at the date of accident, wasenrolled as a full time student in any institution of higherlearning beyond the l2th grade level:

a) The actual annual tuition, exclusive of room andboard, charged by such institution per school year.

b) $10,000.00 per school year.

c) 5% of the Insured Employee’s Principal Sum.

Such amount will be payable annually for a maximum offour consecutive annual payments, only if the dependentchild continues his education.

“Dependent Child” as used herein means any unmarriedchild under 25 years of age who was dependent upon theInsured Employee for at least 50% of his maintenance andsupport.

“Institution of higher learning” as used herein includes,but is not limited to, any University, Private College, orTrade School.

2) Pay to or on behalf of the surviving spouse the actualcost incurred within 30 months from the date of death ofthe Insured Employee as payment for any professional ortrades training program in which such spouse hasenrolled for the purpose of obtaining an independentsource of support and maintenance, but not to exceed amaximum total payment of $10,000.00

15

Day Care Benefit

If indemnity becomes payable under the policy foraccidental loss of life of an Insured Employee, the Companywill pay an amount equal to the lesser of the followingamounts:

The actual cost charged by such day care center per year, or3% of the Insured’s Principal Sum, or $5,000.00 per year,

On behalf of any child who was an Insured’s dependent atthe time of such loss and is under age 13 and is currentlyenrolled or subsequently enrolled in an accredited day carecenter within 90 days following such loss.

The benefit is payable annually for a maximum of fourconsecutive payments but only if the dependent childcontinues his or her enrollment in an accredited day carecenter.

In-Hospital Indemnity Benefit

If an Insured suffers a loss under the Table of Losses as aresult of a covered accident and requires that an Insured beconfined to a hospital for more than five (5) consecutivedays, We will pay:

a) a monthly benefit of one (1) percent of the Insured’sapplicable Principal Sum; or

b) for periods of less than one (1) month, one thirtieth(1/30) of the above monthly benefit per day.

Benefits are retroactive to the first (1st) day of hospitalconfinement.

This benefit is limited to:

a) a monthly amount not to exceed $1,000.00; and

b) a total of twelve (12) months for any covered accident.

Successive periods of hospital confinement for loss fromthe same covered accident separated by a period of less thanthree (3) months will be considered as one (1) period ofhospital confinement.

The term “Hospital” is defined as an establishment whichmeets all of the following requirements:

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

2) operates primarily for the reception, care and treatmentof sick, ailing or injured persons as in-patients;

16

3) provides 24-hour a day nursing service by registered or graduate nurses;

4) has a staff of one or more licensed physicians available at all times;

5) provides organized facilities for diagnosis, and majormedical surgical facilities; and

6) is not primarily a clinic, nursing, rest or convalescenthome or similar establishment nor is not, other thanincidentally, a place for alcoholics or those addicted to drugs.

Permanent Total Disability Indemnity

When as the result of injury and commencing within 365 days of the date of the accident an Insured Person istotally and permanently disabled and prevented fromengaging in each and every occupation or employment forcompensation or profit for which he is reasonably qualifiedby reason of his education, training or experience, theCompany shall pay, provided such disability has continuedfor a period of twelve consecutive months and is total,continuous and permanent at the end of this period, thePrincipal Sum less any other amount paid or payable underthe Accidental Death and Dismemberment IndemnityCoverage of the policy as the result of the same accident.

EXCLUSIONS

The accident insurance plan does not cover any lossresulting from:

• Suicide or self-inflicted injuries;

• Full-time service in the Armed Forces;

• Declared or undeclared war or any act thereof;

• Injuries received during aircraft travel except for thepurposes of transportation where the member is travellingas a passenger.

17

WEEKLY INDEMNITY BENEFIT

Refer to your Identification Card and Collective Agreementfor the amount of benefit.

A percentage of the basic monthly wage or weeklyequivalent will be paid to an employee when they arenecessarily absent from work because of either an accidentor sickness not covered by WorkSafe BC or similarlegislation. The benefit commences from the 1st day ofdisability due to an accident and the 7th day of disability dueto sickness, except that if, during the period of disability, an employee is confined in a hospital for at least 24consecutive hours prior to the 7th day of disability, thepayment shall commence from the 1st day of hospitalization.Payments will continue as long as the employee is disabledand unable to work, provided they are following theprescribed treatment plan of their medical advisors, up to amaximum of 52 weeks for any continuous period ofdisability or upon attaining age 65, whichever is sooner.There is no limit to the number of separate periods ofdisability, as long as they are not due to the failure to followrecommended treatment programs. If an employee is on aunion pension the Weekly Indemnity Benefit terminates.

Periods of disability, due to the same or related causes, willbe considered one continuous period of disability exceptwhere the employee returns to work and works at least 30 days between periods of disability.

The disabled employee must be under the care of aPhysician, Surgeon, Chiropractor or other qualifiedPractitioner, and be compliant with the treatment prescribedby that Practitioner. Failure to comply with the prescribedtreatment may result in discontinuation of benefits.

Weekly Indemnity claimants, whose claims are stress-related, must be directed to an Employee Family AssistanceProgram (EFAP). Participation in an EFAP program ismandatory for stress-related claims.

This benefit is not payable during any period for which theemployee is paid Employment Insurance Maternitybenefits; for intentionally self-inflicted injury, while sane orinsane; insurrection or war or participation in any riot.

This benefit does not cover any period of disability which is due to any bodily injury or sickness for which payment

18

is made by WorkSafe BC or similar legislation, includingICBC and ICBC equivalent insurance.

At the discretion of the Trustees, benefits may be payable toa disabled employee who has a right to recover damages orbenefits from any person or organization due to the samecause. Subject to approval by the Trustees, such employeemust enter into a Loan Agreement with the Plan, whichstates that they will reimburse the Plan in the amount ofbenefits paid out of damages recovered. The term“damages” will include, but are not limited to, any lumpsum or periodic payments received on account of past,present or future loss of income. The Plan shall be firstpayee of any outstanding monies owed following settlementfrom WorkSafe BC or ICBC claims and any outstandingmonies can be drawn from Long Term Disability payments,if any.

Funds owed to the Plan are expected to be repaid imme -diately upon the employee’s receipt of their WorkSafe BC,ICBC or equivalent payment. If an employee does not co-operate in repaying the funds owed, the file will be referredto the Plan’s legal counsel for the appropriate handling.Should the Plan be required to pursue the employee forcollection of any outstanding monies, the employee will beresponsible for any legal costs and administrative chargesincurred by the Plan in doing so.

If the employee returns to work with an employerparticipating in the BC Marine Industry Employee HealthBenefit Plan (the Plan) and the employee owes money to thePlan, the Trustees may force an assignment of wages to thePlan until such time as the total debt is repaid. For amountsof indebtedness up to $1,000, the Plan may take 100% ofthe employee’s wage. For amounts of indebtedness greaterthan $1,000, the Plan may take 25% of the totalindebtedness, in each of four consecutive pay periods.Where the wages are insufficient to cover the totalindebtedness in four installments, the Trustees, at their solediscretion, may agree to extend the period of repayment.

Integration with Federal and Provincial Plans

Any disability income benefits which an employee becomeseligible to receive under the Canada Pension Plan orQuebec Pension Plan (primary only and not secondary) orany other disability income benefits which an employeebecomes eligible to receive under any other Federal orProvincial Plan, shall reduce the amount payable under this

19

benefit to the extent that the total amount which theemployee is eligible to receive from all such sources shallnot exceed 85% of gross earnings at the date ofcommencement of his/her disability.

Substance Abuse Claims

An employee is normally entitled to receive benefits onlyonce for substance abuse-related claims under the Plan forWeekly Indemnity and Treatment Centre costs, unlesssatisfactory medical evidence is provided that the employeewas unable to successfully complete the treatment programdue to circumstances beyond his/her control and which are not the result of failure to follow treatment.

When the Plan receives a substance abuse claim, paymentwill be initiated and the employee will be referred to themandatory WORKHEALTH program through HomewoodHealth Solutions or a similar program, if recommended bythe employee’s treating physician. An assessment will becompleted and a treatment coordinator will be assigned bythe applicable program.

With a medical referral and the assistance of the treatmentcoordinator, the employee may enter a residential treatmentcentre or engage in other recommended treatment. WeeklyIndemnity benefits will be paid for up to 7 days while anemployee waits for entry into the facility, unless a longerperiod is necessary due to lack of available treatmentplaces.

The employee will receive Weekly Indemnity benefits forthe period they are resident in the treatment facility orotherwise unavailable for work due to receiving treatmentfor substance abuse. In the normal course, this period shall not exceed 56 days unless satisfactory medicalevidence is provided that a lengthier period of confinementis necessary for treatment purposes. Benefits will be paid atthe regular Weekly Indemnity benefit rate. Additionally,facility charges of the lesser of the actual daily charge or$75.00 per day will be paid through the Extended HealthCare benefit.

Upon completion of the Residential Treatment Program(RTP), or other recommended treatment program, theemployee is required to continue to participate in theWORKHEALTH or other applicable treatment program in order to ensure continued and successful rehabilitation. The employee may be eligible for up to 14 days of Weekly

20

Indemnity benefits during a transition period to accom mo -date work re-entry following the completion of the RTP.

Guide to Obtain Benefits for Substance Abuse Treatment

The procedure for obtaining benefit coverage for treatmentfor substance abuse is as follows:

An employee sees his/her physician, who diagnoses asubstance abuse problem and/or refers him/her to anappropriate specialist for diagnosis and treatment of such aproblem. The physician provides medical information onthe WI claim form stating that the employee is currentlyunavailable for work due to seeking treatment for asubstance abuse problem, and provides information as tothe nature of the program to which the employee has beenreferred. If the treatment program is other than a residentialtreatment program, the physician or treatment specialistmust provide a satisfactory medical rationale for selecting adifferent treatment method.

In the normal course, the Plan will only pay WeeklyIndemnity benefits for the waiting period to enter thefacility for up to 7 days, plus 56 days in-house treatment,unless provided with medical verification that appropriatetreatment cannot be completed within this time frame.

Maintenance of benefits for absence from work due tosubstance abuse problems requires medical verification thatthe employee is actively pursuing treatment and iscompliant with the prescribed treatment program. Benefitswill normally be provided for only one period of absencefrom work due to substance abuse problems and treatmentunless medical evidence is provided which demonstratesthat the unsuccessful treatment or relapse is due tocircumstances beyond the employee’s control and is not theresult of gross non-compliance with the treatment program,in which case Weekly Indemnity benefits may be providedfor an additional period, as prescribed by the attendingphysician, up to a maximum of 4 weeks.

Negotiated Benefit Changes

If the employee is on active claim for a disability whichcommenced prior to a negotiated change in benefits, theywill be eligible for the changed Weekly Indemnity benefit on the effective date of the negotiated change for theiremployer.

21

Weekly Indemnity Claim Procedure

In the event of a claim, the disabled employee can obtain thenecessary forms from their employer or the Administrator. It is important that the employee promptly reports to theiremployer any disability which may result in a WeeklyIndemnity claim in order that the appropriate forms can becompleted.

Example: Claimant misses 4 days of work and sees aPhysician on the 5th day for an illness. Determination ofeligi bility commences day 5. As the waiting period forillness is 6 days with benefits payable only if still disabledon the 7th day, benefits in this example would not com -mence until the 11th day (day 5 plus 6 days).

Send the completed form to the Administrator withoutdelay.

Claim cheques will be sent directly to your home address.

Claims for disability must be submitted no later than 30days after your total disability begins.

Third Party Liability

If you receive benefit payments under this Plan for loss of income for which there may be a cause of action againsta third party, you will be required to complete a LoanReimbursement Agreement. This will entitle the Plan to bereimbursed for any benefits paid, which have beenrecovered from a third party.

Right to Recover

(a) When an employee becomes Totally Disabled as a resultof an injury or sickness in which:

a) a third party may be, directly or indirectly, either inwhole or in part, liable to the employee; or

b) the employee has a claim for benefits under workerscompensation legislation;

the Plan will not pay benefits to the employee.

(b) In the circumstances described in (a) above, the Planmay, not must, provide financial relief on a periodic(usually bi-weekly) basis to alleviate income loss. Thetotal of all advances made to the employee is fullyrepayable to the Plan on terms to be settled between theemployee and the Plan and incorporated into a writtenLoan Reimbursement Agreement.

22

LONG TERM DISABILITY

Refer to your Identification Card and Collective Agreementfor Benefit details.

Elimination Period

Benefits will be payable for each period of total disabilityafter 52 weeks of continuous disability, or a period equal to the duration of the benefit period under the employee’sWeekly Indemnity Benefit Plan, whichever is greater.

If total disability is not continuous, the days an employee is disabled will be accumulated to satisfy the eliminationperiod so long as no interruption is longer than 30 days andtotal disability arises from the same accidental bodily injuryor sickness.

Maximum Benefit Period

Benefits are payable up to your 65th birthday or, if earlier, tothe date which you elect to receive early retirement benefits.If you satisfy the elimination period while you are age 64,benefits are payable for 12 months.

Long Term Disability benefits are taxable for all employeesexcept for Seaspan Log Loaders as the premiums are paidby the employee.

Total Disability

Means that because of accidental bodily injury or sicknessan employee (a) is not able to engage in any and everygainful occupation for which an employee is reasonablyfitted by education, training or experience to earn at least60% of their inflation-indexed earnings as of the com -mencement of Total Disability; and (b) at any time, notworking for wage or profit (other than rehabilitativeemployment).

Recurrent Disability

If you return to work on a full-time basis with the employerafter a period of total disability for which benefits have been paid, successive periods of total disability due to the same or related causes which are separated by less than6 consecutive months of active work on a full-time basis with the employer will be considered as one continuousperiod of total disability. Payments will commence onemonth from the date the total disability recurs.

23

Offsets

The amount payable under this benefit for total disability iscalculated by deducting from your benefit any other sourcesof income. These are specified in the Master Policy andinclude the following:

a) wages or retirement benefits payable from the employeror employer’s pension or retirement plans;

b) any payments on account of your disability from anyWCB/ Work Safe BC Act or similar law;

c) payments received from the Canada or Quebec PensionPlan, excluding payments made in respect of dependentchildren;

d) any income or benefit payable under any other plan or program of any government or of any subdivision or agency of the government, including any plan orprogram established pursuant to a provincial automobileinsurance act.

All Source Maximum

The total monthly income while disabled (Long TermDisability benefit plus any income listed above and Canadaor Quebec Pension family benefits) cannot exceed 85% ofyour net monthly earnings if nontaxable or 85% of yourgross monthly earnings if taxable. Earnings are determinedas of the date your Long Term Disability claim is approved.

EXCLUSIONS AND LIMITATIONS

If an employee has been absent from work due to sicknessor bodily injury at any time during the 4 week periodimmediately preceding the effective date of his/herinsurance under this benefit, such insurance shall not coverany disability which is due to the same or related sicknessor bodily injury until he/she has completed, subject to theirlast day of absence, a period of 4 consecutive weeks ofemployment without absence from work due to the same orrelated sickness or bodily injury.

If an employee becomes totally disabled as a result ofsickness or injury for which he/she was under the care of a physician or received medical care or services within the 12 month period immediately preceding the effectivedate of becoming eligible:

a) benefits will not be payable until he/she has completed a waiting period of 365 days, and

24

b) such benefits will be payable for a maximum of 12 months for that sickness or injury.

Benefits are not payable for the following:

• for any portion of a period of disability unless you arereceiving ongoing supervision/treatment by a physiciandeemed appropriate by the Insurer for the impairmentwhich is causing the disability. You will not be paid forany portion of disability during which you are notparticipating in the treatment program recommended bysaid physician;

• for any portion of a period of disability during which you are receiving treatment by a therapist unless suchtreatment is recommended by a physician deemed appro -priate by the Insurer;

• for any portion of a period of disability resulting fromsubstance abuse, including alcoholism and drug addition,unless you are participating in a recognized substancewithdrawal program;

• disabilities resulting from self-inflicted injuries orattempted suicide;

• disabilities as a result of participation in a war, riot,insurrection or criminal act;

• an automobile accident except as a fully repayable loan;

• for the portion of a period of disability during which youare:

• imprisoned in a penal institution; or

• confined in a hospital, or similar institution, as a resultof criminal proceedings;

• any period of disability, or portion thereof, during anyleave of absence (including maternity leave) as defined inthe Benefit Plan Provisions section of the Contract;

• for a disability which commences on or after the date astrike begins, except as outlined in the Master Policy;however, an employee, may commence to fulfill his/herqualifying disability period from the date of disability;

• to an insured individual who refuses to participate in arehabilitation program which is deemed appropriate bythe Insurer, the attending physician or on the advice ofindependent medical opinion;

25

Subrogation

If you are entitled to recover compensation for loss ofincome from a third party as a result of the incident which caused or contributed to the disability, for whichbenefits are paid or payable, the Insurer will subrogate to all the rights of recovery for loss of income, to the extent of the sum of benefits paid or payable by the Insurer. Youshall execute such documents as required by the Insurer.

In the event you provide proof to the Insurer that you havenot recovered full compensation for loss of income, theInsurer shall determine the proportion of damages actuallyrecovered and share pro rata in that amount.

Should you choose to settle the matter prior to judicialdetermination, it is understood that the sum reached insettlement will be deemed to be full compensation for lossof income, and the Insurer’s right of subrogation will apply.

The term compensation shall include any lump sum orperiodic payment which you receive or are entitled toreceive on account of past, present or future loss of income.

Rehabilitative Employment

The Insurer may recommend that a disabled employeeundergo some suitable rehabilitation training programwhich would take into account the nature and limitations oftheir disability. Additional details would be provided to theemployee in the event of such a recommendation is made.

Canadian Residency Requirement

No benefits are payable if the employee resides outsideCanada for any period exceeding 90 consecutive days or atotal of 180 days in any 365 day period unless:

• the employee has previously notified and receivedapproval in writing from the Insured, and;

• the employee remains under the regular care of a licensedphysician deemed appropriate by the Insurer, and;

• proof of ongoing disability can be determined onevidence satisfactory to the Insurer in English or French.

26

EXTENDED HEALTH BENEFITS

Deductible

$100 per person or family each calendar year.

Employees on Long Term Disability are exempt from theDeductible.

Eligible expenses which are incurred during the last 3 months of a calendar year and which are used to satisfy all or part of the deductible, will also be applied to thedeductible for the next year.

Reimbursement

In-Canada Eligible Expenses(except smoking cessation) 100%

Smoking Cessation Drugs 75%

Outside Canada Referral Expenses 80%

Plan Maximum

The lifetime maximum amount of benefits payable for an Employee or dependent is $1,000,000.

Benefits

The Extended Health Benefit is designed to help you pay for specified services and supplies incurred by you and your Dependents, when not provided under a governmenthealth plan or by a tax supported agency.

The following are classed as eligible expenses whenincurred as the result of necessary treatment of illness orinjury and where applicable when ordered by a physician.

1. Prescription Drugs –Your Plan provides coverage up tothe “generic equivalent” (unless your physician hasexpressed in writing “no alternative”) for prescriptiondrugs and medicines which require, and can only beobtained, with the written prescription of a licensedphysician or dentist if provincial law permits. Drugsand medicines are limited to a 90 day supply. Refills arenot permitted to be dispensed earlier than what isdeemed to be reasonable and customary. Drugs andmedicines that can normally be purchased “over thecounter” are excluded regardless of a prescriptionhaving been issued and products such as vitamins,preventative drugs, dietary foods and supplements are

27

excluded. Prescribed treatments to cure Hepatitis C are limited to a lifetime maximum reimbursement of $90,000.

Vitamin B12 for the treatment of pernicious anemiaonly, insulin preparations for diabetics and allergyextracts and serums with a DIN # and that areadministered by a physician are covered. Smokingcessation drugs are covered (75%) to a lifetimemaximum of $250. Fertility Drugs are allowed for 6cycles per lifetime. Erectile Dysfunction drugs arecovered to a maximum of $500 per calendar year.

PLEASE NOTE: It is mandatory for all Members, who are BC residents, to register for the provincial Fair PharmaCare program and provide proof of such registration to the Administrator in order tocontinue to receive benefits under the Plan. To registerfor Fair PharmaCare call 604-683-7151 fromVancouver and 1-800-663-7100 from anywhere else in BC or visit the BC Fair PharmaCare website:http://www2.gov.bc.ca/gov/content/health/health-drug-coverge/pharmacare-for-bc-residents

2. Charges in excess of the amount payable under theInsured Person’s Basic Medical Plan for professionallicensed ambulance service in an emergency includingtransportation by railroad, boat or airplane, or in acute emergency by air ambulance, from the placewhere the injury or sickness occurs to the nearest acute general hospital and return fare, including roundtrip fare for one attending person (doctor, nurse, firstaid attendant), where necessary. Transportationarranged after waiting for hospital accommodation for a condition not requiring immediate attention ortransportation arranged at the patient’s convenience are not eligible expenses.

3. Charges for out-of-hospital private duty nursingservices up to a maximum of $5,000 per policy periodto a lifetime maximum of $25,000, when medicallynecessary and with a physician’s referral. Services mustbe for nursing care, and not for custodial care. Theprivate duty nurse must be a nurse, or nursing assistantwho is licensed, certified or registered in the provincewhere you live and who does not normally live with you. The services of a registered nurse are eligibleonly when someone with lesser qualifications cannotperform the duties.

28

4. Charges from a Licensed, Certified or Registered:

• Chiropractor and Massage Therapist - $350 percalendar year per practitioner (plus $20 per calendaryear combined for x-rays)

• Naturopath – unlimited

• Speech Therapist – unlimited

• Acupuncture – unlimited

• Osteopath – unlimited

• Physiotherapist – unlimited

• Podiatrist – unlimited

• Audiologist – unlimited

• Occupational Therapist – unlimited

• Orthoptic Technician (with physician’s letter) –unlimited

• Inhalation Therapist (with physician’s letter) –unlimited

• Psychologist – unlimited Please note: If the employerparticipates in an Employee Assistance Program,psychological services should be sought from thatprogram first, to the maximum allowed. Benefits inexcess of such maximum may then be claimed throughthis Plan.

5. Charges for oxygen, blood or blood plasma, ostomy orileostomy supplies.

6. Charges for walkers, canes and cane tips, crutches,splints, casts, collars and trusses but not elastic or foamsupports.

7. Charges for testing supplies, needles and syringes fordiabetics.

8. Charges for surgical stockings to a maximum of 2 pairper calendar year.

9. Charges for stump socks.

10. Charges for surgical brassieres up to 4 per calendaryear.

11. Cataract surgery foldable lens.

12. Custom built orthopaedic shoes when prescribed by anorthopedic surgeon, physician or podiatrist to a maxi -mum of $600 per calendar year. Modifications to stockitems are not a covered expense.

13. Custom fitted orthotics when prescribed by a physicianor podiatrist to a maximum of $200 per calendar year.

29

14. Charges for rigid support braces and permanentprostheses (artificial eyes, limbs, larynxes andmastectomy forms). Myoelectrical limbs are excludedbut the Plan will pay the equivalent of a standardprostheses.

15. Cost of rental or where more economical, purchase ofdurable equipment for therapeutic treatment includingwheelchairs and hospital beds. Electric wheelchairs are covered only when a doctor certifies the patient is incapable of operating a manual wheelchair (e.g. Paraplegic).

16. Charges made by a dentist for the repair or replacementof sound, vital, natural teeth if the injury results from adirect accidental blow to the mouth. The accident must occur while covered under this plan and treatmentmust be provided within 60 days unless a detailedtreatment plan is approved within 60 days of theaccident. Treatment must be completed while coveredunder the plan.

17. Convalescent Home or Physical Rehabilitation Facilityroom and board charges, excluding charges for chroniccare, if the Insured Person’s residence in the institution:

• is certified as medically necessary by a Physician,

• occurs within 48 hours after a Hospital stay of at least5 consecutive days, and

• is due to the same sickness or accidental bodily injurywhich was the reason for the Hospital stay.

Charges are limited to the difference between theProvincial Medical Allowance for Room and Boardcharges, and the institution’s charge, up to maximum of180 days per lifetime.

18. Costs of hearing aids and repairs to a maximum of $500 in a 5 year period. Hearing Aids must beprescribed by a certified Ear, Nose and ThroatSpecialist. Maintenance, batteries or other accessoriesare not covered expenses.

19. Wigs and hairpieces required as a result of medicaltreatment or injury.

20. Standard durable medical equipmentPreauthorization is required from us for expenses inexcess of $5,000

• Charges for standard durable medical equipmentwhen rented from a medical supplier. If unavailable

30

on a rental basis, or required for a long-termdisability, purchase of these items from a providermay be considered.

• Repairs to purchased items. We will replace the itemwhen it can no longer be made functional. We mayrequest trade-in or return of replaced equipment.

• Reimbursement on rental equipment will be mademonthly and will in no case exceed the total purchaseprice of similar equipment.

• Standard durable equipment includes:

• manual wheelchairs, manual type hospital beds, andnecessary accessories – electric wheelchairs andhospital beds will be covered only when the patient isincapable of operating a manual wheelchair, other -wise we will pay the manual equivalent

• medical monitors including heart and blood glucosemonitors and cardiac screeners

• breathing machines and appliances includingrespirators, compressors, percussors, suction pumps,oxygen cylinders, masks and regulators

21. Vision CareCharges for non-prescription eyewear are not covered.Charges for the purchase and/or repair of eyewearincluding lenses, frames and contacts when prescribedby a Physician or optometrist to a maximum of $400 in a 24 month period. Prescription sunglasses arecovered for employees only.

22. Reasonable and Customary charges for eye exams areallowed once every 24 months.

23. Hospital charges made by an approved acute generalhospital in BC for private or semi-private room (notincluding rental of telephone, T.V. etc.).

Accommodation in a residential treatment centre forsubstance abuse is covered at the lesser of the actualdaily charge or $75.00 per day, subject to the followingconditions: (a) coverage will normally be limited to 56days, unless satisfactory medical evidence is providedthat a lengthier period of confinement is necessary fortreatment purposes, and (b) coverage is limited to onetime only per insured employee/dependent, unlesssatisfactory medical evidence is provided.

31

Accommodation Policy

Occasionally, it will be necessary for an insured person totravel away from his/her home for medical treatment. Due to the nature of the treatment, it is sometimesimpossible for the insured to return home immediately after their treatment.

The Trustees recognize that there may be a rare but realneed for an insured person to stay overnight nearby the treatment facility. Therefore, the Trustees have agreed to implement an Accommodation Policy.

The policy will reimburse the employee 50% of the cost of lodging expenses subject to the following conditions:

• the treatment must be for a serious medical condition;

• the necessity for the insured person to stay overnightnearby the treatment facility must be certified asmedically necessary by the insured person’s attendingphysician;

• the Plan will reimburse 50% of the cost of lodging,subject to a $25 per day minimum and a $50 per daymaximum;

• the Plan will reimburse an overall maximum of $1,000 per insured person, per medical condition;

• the benefit will apply only to the expenses of the insuredperson and not a companion;

• lodging expenses must be supported by valid originalreceipts.

Eligible Charges Outside Canada

Referral – Charges for services and supplies that are notavailable in Canada if:

1. you are referred by two physicians in Canada who arespecialists in the treatment of the sickness or injuryinvolved;

2. you receive written approval of the referral from thePlan before the treatment starts;

3. your provincial medical plan pays a portion of thecharges; and

4. the charges are made by a physician, anesthetist,radiologist, laboratory or hospital.

The amount payable is reduced by the amount allowedunder your provincial medical plan.

32

Out-of-Province /Canada Emergency Eligible Expenses

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

• you or your Dependent is covered under a provincialmedical plan; and

• treatment could not have been delayed until return toCanada.

The Plan’s Extended Health Benefits does not cover:

a) expenses for benefits, care or services payable by orunder the Basic Medical Plan, PharmaCare, anyHospital Program or the Worker’s Compensation Act,whether or not a claim is made there under or providedwithout cost or at nominal cost by any public or tax-supported authority or agency or for which the Memberor dependent can recover from another party.

b) any amount of fees in excess of the usual or recognizedfees for the service performed.

c) expenses incurred outside the Province of BritishColumbia unless resulting from an unexpected injury or sickness occurring while temporarily traveling out -side the province and then only to the extent providedunder the section Out–of-Province Emergency EligibleExpenses.

d) expenses of services and supplies for cosmetic purposes.

e) expenses caused, contributed to or necessitated as aresult of:

• war or any act of war or participation in a riot or civilinsurrection;

• injury or sickness which was intentionally self-inflicted, whether sustained or suffered while sane orinsane;

• occupational illness or injury; or

• the commission by the person of any unlawful actincluding an offense under the Criminal Code ofCanada.

33

Emergency Medical Insurance & Travel Assistance

While you are travelling outside your Province of residencecarry the wallet card that has been provided to you.

Travel insurance is designed to cover losses arising fromsudden or unforeseeable circumstances occurring while youare temporarily travelling outside your province or territoryof residence. It is important that you read and understandyour Plan before you travel. In the event of any discrepancybetween the provisions of a booklet or other document youhold and the provisions of the Policy shall govern. The Planhas contracted Viator/Global Excel Management Inc.(called Global Excel) to provide medical assistance andclaims services under the Policy. This is a summary ofbenefits. A complete booklet is available from the PlanAdministrator.

Coverage Period: 60 days per trip.

IN THE EVENT OF AN EMERGENCY, YOU MUSTCALL GLOBAL EXCEL IMMEDIATELY

The emergency telephone numbers are listed on the back ofthe Medical Assistance Card provided.

Global Excel must be contacted before you seek medicaltreatment. If your condition renders you unable to do so,then someone else must contact Global Excel immediatelyfor you. Do not assume that someone will contact GlobalExcel on your behalf. It remains your responsibility toensure that Global Excel has been contacted prior toreceiving medical treatment or as soon as reasonablypossible.

If you incur any expenses without prior approval by GlobalExcel, such expenses will be covered, except where thepolicy expressly requires the prior approval or authorizationof Global Excel, on the basis of the reasonable andcustomary costs that would have been payable for suchexpenses by the insurer in accordance with the terms andconditions of the policy. Such expenses may be higher thanthis amount, therefore you will be responsible for payingany difference between the amount you incur and thereasonable and customary costs reimbursed by the insurer.

In an emergency the policy covers expenses that are:

• incurred outside the province or territory of residence ofthe insured person;

• medically necessary;

34

• reasonable and customary costs;

• incurred as a result of an emergency due to sudden andunforeseen sickness and/or injury occurring during thecoverage period;

• in excess of those covered by the Government HealthInsurance Plan or other insurance under which you mayhave coverage; and

• legally insurable;

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

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 (marriedand maiden, if applicable), date of birth, and Canadianprovincial or territorial Government Health InsurancePlan number with its expiry date or version code (ifapplicable);

b) submit all original itemized bills from the medicalprovider(s) stating the patient’s name, diagnosis, alldates and type of treatment, and the name of the medicalfacility and/or physician;

c) provide the original prescription drug receipts (not cashreceipts) from the pharmacist, physician or hospitalshowing the name of the prescribing physician,prescription number, name of preparation, date, quantityand total cost;

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

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

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

g) sign and return the authorization form, provided byGlobal Excel, allowing the insurer to recover paymentfrom the Canadian provincial or territorial GovernmentHealth Insurance Plan. The insurer will coordinate andpay your claim to the participating medical providersand where permitted, coordinate claims directly with theCanadian provincial or territorial Government HealthInsurance Plan on your behalf; and

35

h) return the unused portion of your air ticket to GlobalExcel if the Emergency Air Transportation benefit isused.

All sums under this Plan are in Canadian currency unlessotherwise indicated. If you paid a covered expense in acurrency other than Canadian currency, you will bereimbursed in Canadian currency at the prevailing rate ofexchange on the date that the claim payment is 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: 1060141

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

Extension of Benefits

Extended Health Benefits for an employee who is TotallyDisabled will remain in force while the employee isreceiving Long Term Disability Benefits. The premium forthis benefit will be paid by the Plan, as long as theemployee collects LTD benefits under the Plan.

DENTAL PLAN

Refer to your Identification Card for maximum amountsand percentage paid.

Calendar Year Deductible: Nil

Part I – Basic Services

The following services are eligible for payment. Theamount payable will be calculated using the lesser of theamount charged or the fee shown in the Dental AssociationFee Guide (General Practitioner) in the Province oftreatment at the reimbursement level indicated on yourIdentification Card.

36

Diagnostic ServicesAll necessary procedures to assist the dentist in evaluatingthe existing conditions to determine the required dentaltreatment, including:

• Oral examinations: limited to 1 every 6 months; however,complete oral examinations are limited to one in any 36 month period

• Consultations (as a separate appointment) limited to two per calendar year

• Dental x-rays: bite-wing x-rays are limited to one setevery 6 months, full mouth x-rays are limited to one set in any 36 month period, and panoramic film is limited to one x-ray in any 36 month period

• Diagnostic models: limited to 1 set per calendar year.

Preventative ServicesAll necessary procedures to prevent the occurrence of oraldisease, including:

• Cleaning (limited to once every 6 months)

• Scaling and root planning (16 units combined percalendar year)

• Topical application of fluoride (limited to one applicationevery 6 months)

• Pit and fissure adhesive sealants limited to once per toothevery 24 months for children and once per tooth every 5 years for adults

• Fixed space maintainers on primary teeth

Surgical ServicesAll necessary procedures for extractions and other routineoral surgical procedures normally preformed by a dentist.

Restorative Services All necessary procedures for:

• Filling teeth with amalgam, silicate, acrylic or compositerestorations

• Replacement restorations if at least 12 months has elapsedsince initial placement.

• Stainless steel crowns on primary teeth

Prosthetic Repairs and Maintenance• Repair if a 6-month period has elapsed since the last dateon which the dentures were provided.

• Denture maintenance, after the 3 month post insertioncare period, including:

37

• relines and rebase- a combined limit of 1 per upper and 1 per lower prosthesis in a 2 year period

• tissue conditioning – 2 per upper and 2 per lowerprosthesis in a 5 year period

Endodontia (Root Canals)All necessary procedures required for pulpal therapy and root canal filling. Repeat treatment is covered only if the original treatment fails after the first 18 months.

PeriodontiaAll necessary procedures for the treatment of tissuessupporting the teeth including grafts.

AnesthesiaGeneral anesthesia required in relation to oral surgery.

Part II – Major Services

Prosthetic Appliances, Crowns and Bridge Procedures

• Initial installation of full or partial dentures, or fixedbridgework, if required to replace one or more naturalteeth that have been extracted. Partials may only beprovided by a dentist/denturist.

• Initial placement of a crown and their replacement if at least 5 years has lapsed.

• Replacement of an existing full or partial denture, orfixed bridgework, if the existing denture or fixedbridgework was installed 5 years prior to its replacementand cannot be made serviceable. Dentures misplaced, lost or stolen will not be replaced at the Plan’s expense.

Charges made by a licensed Denturist will be recognized for payment, in accordance with a separate Schedule ofAllowances. If the services are provided by a Specialist, the Plan will add a maximum of 10% to the GeneralPractitioners Fee Guide in recognition of the higher charges.

Where other material would suffice, you will be responsiblefor the difference between the cost of the chosen materialand the cost of alternative material.

Crowns and fixed bridges on permanent posterior (molar)teeth are limited to the cost of the gold restoration.

• Inlays and onlays will be covered only when othermaterial cannot be used satisfactorily. Patients choosinggold where other materials would suffice will beresponsible for the cost difference. A pre-authorization issuggested. Covered once in a 5 year period.

38

• Gold Foil only when used to repair existing goldrestorations

Part III – Orthodontia (Adults if they qualify as anemployee, dependent children to age 21 or 25 if astudent)

Benefits are payable for Orthodontic Services performedafter you have been enrolled under this Dental Plan. Thisbenefit is designed to cover Orthodontic Services providedto maintain, restore or establish a functional alignment ofthe upper and lower teeth. Payment of claims will be paidon the basis of eligibility and work completed. Applianceslost, broken or stolen will not be replaced at the Plan’sexpense.

Pre-Treatment Estimate of Major Restorative &Orthodontic Charges

Prior to the commencement of treatment, the dentist shouldprovide a summary of charges for the proposed course ofdental care. The Plan will then provide a written estimate ofthe maximum amount for which payment will be made.

Alternative Services

If alternative services may be performed for the treatmentof a dental condition, the maximum amount shown in theSuggested Fee Guide for the least expensive service orsupply required to produce a professionally adequate result.

Emergency Dental Care Anywhere in the World

In an EMERGENCY, while you are travelling or onvacation outside of your Province of residence, you areentitled to the services of a duly qualified dentist and will be reimbursed at the lower of the actual cost or theamount that would have been paid had the service beenrendered in your Province of residence.

Extension of Benefits

Dental Benefits for an employee who is Totally Disabledwill remain in force while the employee is receiving LongTerm Disability Benefits.

EXCLUSIONS and LIMITATIONS

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

• items not listed in the Fee Schedule and fees in excess ofthose listed in the Fee Schedule;

• charges for broken appointments, oral hygiene ornutritional instruction, completion of forms, written

39

reports, communication costs or charges for translatingdocuments;

• dental care which is cosmetic;

• dental care provided under a medical plan provided by an employer or government;

• services or items which would not normally be provided,or for which no charge would be made, in the absence ofdental coverage;

• stainless steel crowns on permanent teeth;

• protective athletic appliances;

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

• a full mouth reconstruction, for a vertical dimensioncorrection, or for diagnosis or correction of a temporo -mandibular joint dysfunction;

• replacement of a lost or stolen prosthesis;

• incomplete and temporary procedures;

• implants;

• veneers;

• any dental charge for services incurred after the datecoverage terminates; or

• travel expenses incurred to obtain Dental treatment.

Expenses recoverable under any other Plan will becoordinated with payments from this Plan, so that totalpayment received will not exceed the expenses actuallyincurred.

TO MAKE A CLAIM

Extended Health Benefits and Dental Plan:

Claim forms for Extended Health Benefits can be obtainedfrom the Administrator’s office or your Union Office.Standard B.C. Dental claim forms are usually provided byyour dentist, but if required, Dental claim forms can also beprovided by the Administrator’s office or your Union office.

Both the original receipts and the forms should be sent tothe Administrator. Although claims for Extended HealthBenefits can be made at any time, it would be preferable if they were sent every two or three months. All receiptsmust be received by the Administrator within 12 months of the date of service to be considered for payment. For Dental, the claim must be submitted within 60 days ofthe completion of service to be considered for payment.

40

COORDINATION OF BENEFITS:

When coordinating benefit payments, D.A. Townley willcomply with the Canadian Life and Health InsuranceAssociation (CLHIA) guidelines in effect on the date theEligible expense was incurred.

If the Member or Dependent is also covered under theSpouse’s plan or under any other group plan which providessimilar benefits, payment will be coordinated and/orreduced to the extent that benefits payable from all planswill not exceed 100% of the Eligible Expense (for dental,the fee guide applies).

The plan that determines benefits first (primary carrier) willcalculate its benefits as though duplication of coverage doesnot exist.

The plan that determines benefits second (secondarycarrier) limits its benefits to the lesser of:

the amount that would have been payable had it been theprimary carrier, or 100% of all Eligible expenses reducedby all other benefits payable for the same expenses by theprimary carrier.

If the other plan does not contain a coordination of benefits clause, payment under that plan must be madebefore the Plan will pay under this provision.

Extended health care plans with dental accident coveragedetermine benefits before dental plans.

If priority cannot be established in the above manner, the benefits will be prorated in proportion to the amountsthat would have been paid had there been coverage by just that plan.

When the Plan has paid benefits to the Member to the limit of the PharmaCare deductible, the Plan will pay their portion of the Eligible expenses based on the plan’sreimbursement percentage.

The Member will provide the information required toimplement this provision. It is the Member’s responsibilityto present a copy of the original claim form and theremittance statement or cheque stub when making furtherclaim under this provision.

41

When submitting eligible claims, please be sure to include:

Your Name (please print)Your AddressYour Certificate Number/ID Number Your Group Policy Number which is 903037

All claims should be forwarded to the Administrator’s office

BC MARINE INDUSTRY EMPLOYEE HEALTH BENEFIT PLAN

Suite 160 – 4400 Dominion StreetBurnaby, BC V5G 4G3

MEMBER WEBSITE & DIRECT DEPOSIT

For Extended Health and Dental you can now view and print your claim history by using D.A. Townley’s MemberWebsite at www.datownley.com. You can also arrange to have your claim reimbursements directly deposited into your bank account by completing the Direct DepositRegistration form, also available on the D.A. Townleywebsite at www.datownley.com.

RIGHTS TO COPIES OF DOCUMENTS

Effective July 1, 2012, if an employee/member lives inBritish Columbia or Alberta, they have the right to request,with reasonable notice, copies of documents that relate to the Plan. Legislation allows for them to obtain copies of the following documents:

Their enrollment form or application for insurance

Any written statement or other record, not otherwise part of the application, provided to the insurer as evidence ofinsurability

A copy of the contract/policy

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

LEGAL ACTION

Every action or proceeding against the Plan for the recoveryof benefits payable under the Contract is absolutely barredunless commenced within the time set out in the InsuranceAct.

42

BC MARINE INDUSTRYRETIREE BENEFITS

The BC Marine Industry Employee Health Benefit Plandoes not include retiree benefits however some benefitsmay be available through one of two separate plans. The two plans that are available are referred to as either the 1% Plan or the $5 Plan. The names are derived from the required employer contribution rate stipulated in therespective Collective Agreements. Most employees arecovered by the 1% Plan.

In order to qualify for retiree benefits, you must meet all of the following criteria:

• You must retire from employment with a contributingemployer and have had contributions made on yourbehalf;

• You must make a retirement choice from the TowboatSeamen Retirement Plan;

• You must have had full coverage through the BC MarineIndustry Employee Health Benefit Plan on the dayimmediately preceding your retirement.

It is important to understand that the retiree benefits will beprovided as long as the Plans are financially able to do so,but are not guaranteed. The Trustees reserve the absoluteright to make changes to the Plans, at any time, includingcancellation of the benefits in their entirety.

The benefits available through the Plans are:

$5 Plan• Medical Services Plan of BC (MSP)• Extended Health: Annual deductible of $100 Single orFamily,100% reimbursement of most eligible expenses,$200 per year maximum, no out of country coverage

1% Plan• Medical Services Plan of BC (MSP)• Dental: 50% reimbursement, $1,000 combined Familymaximum per calendar year

• Vision: 100% reimbursement, $250 maximum every 24 months

• Extended Health: Annual deductible of $100 Single orFamily,100% reimbursement of most eligible expenses,$1 Million lifetime maximum, no out of country coverage

Currently, there is no premium payment required from the retired employees.

If you have any questions regarding these Plans, pleasecontact the Plan Administrator.

43

MEDICAL SERVICESPLAN OF BC (MSP)

The Medical Services Plan of BC (MSP) provides forpayment of costs for required medical, surgical, obstetricaland diagnostic services of medical practitioners.

Personal Health Care Cards (BC Care Cards) are issued by MSP and will not be replaced or reissued wheneligibility is re-established through employment. New cardsmay be ordered directly through MSP.

Employees may enroll as soon as permitted by MSP,however the cost of the premium payments will not becarried by the employer until the employee has completed90 days of employment. Until such time, the employee mayarrange for payment of such premium through payrolldeductions. Once 90 days of employment has beenestablished with the participating employer, the employerwill pay the full cost of the premium on behalf of theemployee and his/her eligible dependents.

When an employee is eligible for or is currently coveredthrough a spousal, native or alternate group plan for MSP,he/she may elect to “opt out” of the MSP through theiremployer. MSP may be reinstated at any time, provided theemployee remains eligible for benefits through his/heremployer.

If an employee becomes Totally Disabled and has appliedfor and is approved for Long Term Disability (LTD)benefits through the BC Marine Industry Employee HealthBenefit Plan, then, while he/she collects LTD benefits, the BC Marine Industry Employee Health Benefit Plan will pay the cost of the MSP premium. Medical premiumsare taxable where premium is paid by the employer or the Plan.

44

NOTES

JAN/18

Benefits Provided by:

Great West Life Assurance Company # 329027Life Insurance

Long Term Disability

AIG Insurance Company of Canada #28472006Accidental Death & Dismemberment

BC Marine Industry Employee Benefit Plan #903037Uninsured Life Insurance

Uninsured Accidental Death & DismembermentWeekly IndemnityExtended Health Care

Dental

RSA Travel Insurance Inc. #1060141VIATOR Out of Province Emergency Excess Medical and Hospital Travel Insurance

Address all inquiries to:

THE ADMINSTRATOR

BC MARINE INDUSTRY EMPLOYEEHEALTH BENEFIT PLANSuite 160 – 4400 Dominion Street

Burnaby, BC V5G 4G3

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.