GROUP BENEFIT PLAN - Local 506

JULY 2011

LABOURERS’ UNIONLOCAL 506

WRECKERS’ DIVISION

LABOURERS’ UNIONLOCAL 506

WRECKERS’ DIVISION

GROUPBENEFIT

PLAN

The Weekly Disability Income Benefit, Supplementary HealthCare and Dental Care benefits described in this booklet areintegrated with benefits for which the Trustees are liable. TheGreat-West Life Assurance Company is liable for suchbenefits to the extent they are not paid by the Trust Fund andare covered under the terms of the group contract. Great-WestLife, however, will administer all benefit payments.

POLICIES AND CERTIFICATES

This booklet describes the principal features of the GroupPlan. The complete terms of the Group Insurance Plan are setforth in the Group Insurance Policies issued by The Great-West Life Assurance Company. These Policies are thegoverning documents in any question of interpretation.

Your Group Policy Number is 164022 for Life Insurance,Accidental Death and Dismemberment Insurance, Long TermDisability Benefits, Weekly Disability Benefits,Supplementary Health Care Benefits and Dental Care. YourCertificate Number by consent is your own Social InsuranceNumber.

This booklet is for your general information only and is notthe insurance policy. In the pages which follow, you will finda brief description of the benefits to which you and yourfamily are entitled, the rules governing eligibility for thesebenefits and the procedure that should be followed in theevent that it is necessary for you to make a claim. The finaldetermination, however, of any claim question or problemwhich may arise will be governed by the Trust Agreement andthe Insurance Policy issued by The Great-West LifeAssurance Company. These documents are available forexamination at the Fund Office.

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THIS BOOKLET CONTAINSIMPORTANT INFORMATION AND

SHOULD BE KEPT IN A SAFE PLACEFOR FUTURE REFERENCE

32487 GB-Trust txtRev:32487 GB-Trust_txtRev 7/19/11 9:46 AM

To All Eligible Members:

This revised booklet has been published to give you an up-to-date description of the benefits provided by the Fund, as ofJuly 1, 2011.

The booklet provides a description of the benefits to whichyou and your family are entitled, the rules governingeligibility for these benefits, and the procedures that should befollowed when making a claim.

The Trustees are very pleased with the progress of the Fund,and the comprehensive protection now offered to you andyour eligible dependents.

Be sure to read this booklet carefully so you will beacquainted with all the various benefit provisions. Should youhave any questions regarding your benefits, do not hesitate tocontact the Administrator where a member of the staff will bepleased to assist you.

Sincerely,

BOARD OF TRUSTEES

Carmen PrincipatoAntonio CornacchiaNick RepoleRoly BernardiniPeter Glaze

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TABLE OF CONTENTS

Page

SUMMARY OF BENEFITS . . . . . . . . . . . . . . . . . . . . .04

ELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .06

LIFE INSURANCE FOR MEMBERS . . . . . . . . . . . . .11

DEPENDENT LIFE INSURANCE . . . . . . . . . . . . . . . .13

ACCIDENTAL DEATH ANDDISMEMBERMENTBENEFITS FOR MEMBERS . . . . . . . . . . . . . . . . . . .14

WEEKLY DISABILITY INCOME FOR MEMBERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

LONG TERM DISABILITY . . . . . . . . . . . . . . . . . . . . .22

CLAIMS ARISING OUT OF AUTOMOBILEACCIDENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26

SUPPLEMENTARY HEALTH INSURANCEFOR MEMBERS AND DEPENDENTS . . . . . . . . . .28

DENTAL COVERAGE FORMEMBERS AND DEPENDENTS . . . . . . . . . . . . . . .34

BEREAVEMENT PAY . . . . . . . . . . . . . . . . . . . . . . . . . .40

JURY DUTY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41

MEMBER AND DEPENDENTS OHIP . . . . . . . . . . . .42

COORDINATION OF BENEFITS . . . . . . . . . . . . . . . .43

CHANGE OR DISCONTINUANCEOF THE PLAN . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45

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SUMMARY OF BENEFITS

FOR MEMBERS:

LIFE INSURANCE $100,000

ACCIDENTAL DEATHAND DISMEMBERMENT $100,000

WEEKLY DISABILITY BENEFIT

1st day Accident or Hospitalization, if hospitalized forat least 18 hours

8th day Sickness

$400 per week for a maximum of 52 weeks ofdisability inclusive of Employment Insurance Benefits.

Sickness:

1st to 7th day – waiting period

8th to 14th day – $400 for one week

3rd week to 17th week – employment insurancebenefits

18th week to 52nd week – $400 per week

Accident or Hospitalization:

1st day to 14th day – $400 per week

3rd week to 17th week – employment insurance benefits

18th week to 52nd week – $400 per week

LONG TERM DISABILITY BENEFIT

$500 per month payable after 52 weeks of disability for up tofive years, but not beyond the attainment of age 65 or 12 monthsif the waiting period is completed after the member attains age64, but before the attainment of age 65.

FOR DEPENDENTS:

LIFE INSURANCE

Spouse $10,000

Each child 14 days to age 21,25 if attending school (full-time) $3,000

Each child from live birth but under 14 days $250

FOR MEMBERS AND DEPENDENTS:

Supplementary Health Insurance

100% of covered expenses are payable up to an overall benefitmaximum of $15,000 per calendar year. Includes cost of

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prescription drugs and vision care, etc. Out-of-Hospital NursingBenefit has a separate maximum of $10,000 per calendar year.(See the Supplementary Health Section of this booklet fordetails). Out-of-Province Emergency Treatment has a separatemaximum of $1,000,000 for any one cause.

Semi-private Hospitalization

(This benefit is self insured by the Trust Fund)

The difference between the charges made for ward and semi-private room and board in a licensed Canadian hospital.

Dental Care

The Dental Care benefit pays 100% routine care, dentures andcrowns and bridgework (laboratory charges are limited to 60%)of the Ontario Dental Association’s 2009 Schedule of Fees. Themaximum benefit for all Dental Care expenses for any onefamily member every calendar year is $2,000.

Orthodontic Treatment(Program to Straighten Teeth)

Is payable at 50% co-insurance of the Ontario DentalAssociation’s 2009 Schedule of Fees and has a benefitmaximum per lifetime of $2,500 for each plan member, spouseor dependent child up to age 21.

Claims of $500 or more are to be submitted to theAdministrator for approval before the work begins. Details ofcoverage and exclusions are frequently not understood. Pleaseread the Dental Section of this booklet. Also to reducemisunderstanding, show these pages to your dentist, as he canquickly tell you whether the services he proposes are fully,partially or not covered. You should ask your dentist if therewill be any additional charges for work NOT COVEREDby this plan.

Bereavement Pay

Member only. Lost earnings up to a maximum of $150.00 aday, maximum of 3 days to attend or prepare for a funeral ofimmediate family as defined herein.

Jury Duty

Member only. Lost earnings up to a maximum of $150.00 a daywhile serving as a juror.

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ELIGIBILITY

When Do You and Your DependentsBecome Eligible for Insurance?

To become eligible for benefits, you must meet all four of thefollowing qualifications:

1) You must be in good standing with the Union.

2) You must complete an enrollment card (which may beobtained from your local Union Office, your UnionSteward or the Administrator).

3) You must have enough hours to your credit in your“Hour-Bank” account.

4) You must be insured under a Provincial Health InsurancePlan.

Eligible DependentsDependent means a spouse or unmarried child from live birthbut under 21 years of age (25, if regularly attending full-timeschool) and solely dependent upon the member for support.

Spouse means a husband or wife by virtue of a religious or civilmarriage ceremony; except that, a person living with the memberwill be deemed to be the member’s spouse, if such person:

• is publicly represented as the member’s spouse; and

• has been living with the member for a period of at least1 continuous year.

Child means:

• a natural or legally adopted child; or

• a step-child or other child who is dependent upon themember for support and lives with the member in aregular parent-child relationship.

NOTE:

Eligible Dependents must be insured under a ProvincialHealth Insurance Plan.

What about a change of status?

It is essential that you complete an enrollment card (availablefrom the local Union Office, your Union Steward or theAdministrator) and forward it to the Administrator in theevent of any of the following changes:

1) Change of address

2) Change from member without dependents to member

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with dependents (get married)

3) Change from member with dependents to memberwithout dependents

4) Birth or adoption of a child

5) Change of beneficiary for your life insurance.

NOTE:New dependents should be reported to the Administratorwithin 31 days or an evidence of health form indicatingevidence of good health satisfactory to the InsuranceCompany will be required for that dependent before insurancecoverage may begin.

“Hour-Bank System”The hour-bank system is used by the Administrator to keeptrack of the contributions made by an employer on behalf ofeach member. For each hour you work for an employer whoparticipates in this program, a contribution is made by thatemployer to the Labourers’ Union Local 506 EmployeeBenefit Trust.

Initial EligibilityYou and your dependents become eligible for coverage on thefirst day of the second month after you have accumulated 130bank hours, if you are available for work on that date.

Example: If your hour-bank accumulates 130 hours in it byJanuary 17th, you and your dependents will beeligible for all benefits on the following March 1st.

Continuation of CoverageFor each month you are covered for benefits, 130 hours willbe withdrawn from your hour-bank to pay for this coverage.If you are unable to work because of illness or accident andare receiving a disability income benefit from the benefit planor from Workplace Safety and Insurance Board of Ontario(WSIB), your hour-bank will be frozen and the premiums tocontinue benefits for you and your dependents will be coveredfor a period of up to 12 months.

Termination of CoverageYour insurance will terminate on the first day of the monthfollowing the date on which you have less than a total of 130hours in your hour-bank account.

Example: If the hours in your bank drop below 130 inJanuary, you and your dependents will go out ofbenefit the following February 1st.

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Reinstatement of CoverageIf your insurance has terminated due to insufficient hours inyour hour-bank account, you shall again be eligible forbenefits on the first day of the second month following thedate on which you accumulate 130 hours in your hour-bankaccount.

Example: If, after dropping below 130 hours in January, as inthe last example, you work during the next month,February, so that 130 hours or more are in yourhour-bank account, you and your dependents willagain be fully covered on the following April 1st.

Maximum Balance in “Hour-Bank”The maximum balance in a member’s “Hour-Bank” account is780 hours.

Continuation of Health Care and Dental CareBenefits for Incapacitated Children

Health Care and Dental Care Benefits will continue beyondthe date an unmarried child attains the limiting age forinsurance, provided proof is submitted to Great-West Lifewithin 31 days after such date that such child:

• is incapable of self-sustaining employment by reason offunctional impairment;

• became so incapacitated prior to attainment of thelimiting age; and

• is chiefly dependent upon you for support andmaintenance.

Thereafter, such proof must be submitted to Great-West Life,as required, but not more often than yearly.

Continuation of Health Care and Dental Care BenefitsAfter Your Death

Your dependents who are insured under this plan at the timeof your death will continue to be insured while premiumpayments for such insurance are continued, but not beyond theearliest of:

• the date such dependents cease to be eligible;

• the date your spouse remarries (children will continue tobe insured);

• the end of the 12-month period after the date of yourdeath; or

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• the date insurance for your dependents terminates forany reason.

Upon your death, benefits are payable to your spouse, ifliving, or to your child (or legal guardian).

Pay Direct Provisions

Before insurance coverage is cancelled because the number ofhours in your hour-bank account has dropped below 130hours, you will be notified by the Administrator. You may thencontribute directly, by means of your personal cheque in orderto continue your insurance. You may continue coverage(excluding disability benefits) by this “pay-direct” method forthe following periods:

a) if your bank account has dropped below 130 hours, youmay pay direct for a maximum period of 36 continuousmonths.

or

b) if you are on strike you may pay direct for the durationof the strike.

You must be a member in good standing with the Union inorder to be allowed to continue your coverage by the pay-direct method. The cheque should be made payable to theTrustees of the Labourer’s Union Local 506 Employee BenefitTrust and mailed to:

Global BenefitsLabourers’ Union Local 506(Wreckers’ Division) Benefit Plan545 Wilson AvenueToronto, OntarioM3H 1V2

Be sure to print your name and social insurance number on theback of your cheque to ensure that your account is properlycredited.

IF YOU WISH TO PAY DIRECTLY, AS PROVIDEDFOR ABOVE, IT IS YOUR RESPONSIBILITY TOCONTACT THE ADMINISTRATOR AND MAKE THENECESSARY PAYMENTS BY THE 15TH OF EACHMONTH. COVERAGE IS TERMINATED IF YOU FAILTO MAKE THE NECESSARY PAYMENTS ON TIME.

Benefit Protection GuaranteeIn order to ensure that Plan Members will not suffer a loss ofbenefit coverage as a result of working for a Contributing

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Employer who fails to remit contributions to the Plan by the duedate in accordance with the terms and conditions of theCollective Agreement, the Trustees of Labourers’ Local Union506 Wreckers’ Division Employee Benefit Trust have nowamended the Plan as follows:

Any Plan Member who works for a Contributing Employer whofails to remit contributions to the Plan in a timely manner mayreceive credit for the hours that they earned and for which nocontributions were received by the Administrator provided thatthe Plan Member provides to the union a record of employment,pay slips or some other acceptable form of proof of employmentwhich clearly identifies the period of employment and the hoursearned.

Upon receipt of proof of employment the Administrator willcredit the Plan Member’s hour bank with an amount equal to thehours earned to be posted to the month in which the hours wereworked, and debit the record of the Contributing Employer withan amount equal to the hours earned which will show as anunderpayment.

The Union will be advised of all such underpayment and willimmediately pursue collection of all outstanding contributionsplus interest from the delinquent employer.

The effective date of this Plan Change is retroactive to January1, 1998 and in the event that you worked for an employer whofailed to make contributions on your behalf between January 1,1998 and to-date, then you should contact your unionimmediately at (416) 638-0506.

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LIFE INSURANCE FOR MEMBERS

The Life Insurance amount of $100,000 is payable in theevent of your death from any cause at any time or place whileyou are insured. (This means whether you are at work orwhether you are not at work). Payment will be made to yourbeneficiary(ies), if living, otherwise to your estate. You maychange your beneficiary whenever you wish by means ofcompleting a new enrollment card and forwarding it to theAdministrator.

Disability ProvisionIf you become totally and permanently disabled while insuredand before age 65, your life insurance coverage will remain inforce as long as you remain so disabled, subject to thefollowing requirements.

1) you must be totally disabled for at least 6 months, and

2) medical evidence must show that you are totally andpermanently disabled, and

3) written notice and proof of your disability must be givento the Insurance Company within 24 months after youcease active work. From then on you must submit proofsatisfactory to the Insurance Company, as required, thatyou are so disabled.

Totally and Permanently Disabled means that solely becauseof an illness or injury, you are, and will continue to be, unableto work at any occupation for which you are, or mayreasonably become, fitted by education, training orexperience.

Conversion OptionIf your Member Life Insurance terminates because youremployment or class membership terminates or because youno longer qualify for coverage under the Disability Provision,then on or before your 65th birthday, you may convert up to100% of the terminated amount, less any amount of group lifeinsurance for which you may become eligible within 31 daysof the date of the termination.

Note: The conversion option does not apply to reduction oflife insurance or termination of insurance which becomeeffective at specified ages or upon your retirement.

The individual policy may be:

• a permanent plan that Great-West Life offers to thepublic at the time of conversion;

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• non-convertible term insurance to age 65; or

• one-year non-renewable term insurance which may beconverted while it is in force to any plan describedabove.

In no event may the converted policy exceed $200,000, normay it include disability or other added benefits.

You must apply in writing and pay the first premium to Great-West Life within 31 days of the date your insuranceterminates. The premium rates will be based on your age andclass of risk at the time of conversion. No medicalexamination or health questionnaire will be required.

Extension of benefitIf you die within 31 days of the date your Member LifeInsurance terminates, the amount you could have convertedwill be paid as a death benefit under this plan even if you didnot apply for conversion.

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DEPENDENT LIFE INSURANCE

In the event of the death of your spouse and/or dependentchildren while insured, the amount of Dependent LifeInsurance is payable to you if living, otherwise to your estate.The amount of the insurance is $10,000 for your spouse,$3,000 for each dependent child 14 days of age to age 21 (25if attending school on a full-time basis) and $250 for eachchild from live birth but under 14 days old.

Disability ProvisionIf your Life Insurance is being continued under the DisabilityProvision, Dependent Life Insurance will also continue.

Conversion OptionIf Dependent Life Insurance for your spouse terminatesbecause your employment or class membership terminates orbecause of your death, then on or before your spouse’s 65thbirthday, your spouse may convert up to 100% of theterminated amount, less any amount of group life insurancefor which your spouse may become eligible within 31 days ofthe date of the termination.

Note: The conversion option does not apply to reduction oflife insurance or termination of insurance which becomeeffective at specified ages or upon your retirement.

The individual policy may be:

• a permanent plan that Great-West Life offers to thepublic at the time of conversion;

• non-convertible term insurance to age 65; or

• one-year non-renewable term insurance which may beconverted while it is in force to any plan described above.

In no event may the converted policy exceed $200,000, normay it include disability or other added benefits.

You or your spouse must apply in writing and pay the firstpremium to Great-West Life within 31 days of the date yourspouse’s insurance terminates. The premium rates will bebased on your spouse’s age and class of risk at the time ofconversion. No medical examination or health questionnairewill be required.

Extension of benefitIf your spouse dies within 31 days of the date Dependent LifeInsurance terminates, the amount that could have beenconverted will be paid to you as a death benefit under this planeven if no application for conversion was made.

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ACCIDENTAL DEATH AND DISMEMBERMENT

Member Accidental Death Benefit

In the event of your accidental death within 365 days of anaccident and upon receipt of due proof of loss satisfactory tothe Insurer, your beneficiary will receive the full amount ofbenefit $100,000. This benefit is paid in addition to the LifeInsurance benefit.

Accidental death is defined as death resulting from a bodilyinjury caused by an accident on or off the job.

Member Dismemberment Benefit $100,000

If a member suffers any of the losses specified below, theInsurer will pay the amount of insurance specified for thatloss. The loss must result from a bodily injury caused by anaccident on or off the job. The Insurer requires due proof onboth accidental death claims and dismemberment claims that:

1) the injury occurred while the member was insured underthis coverage;

2) the loss occurred within 365 days after the injury;

3) the loss resulted directly and solely from the injury andindependently of all other causes.

When injury results in any of the following losses within 365days after the date of the accident, the Insurer will pay:

SCHEDULE OF BENEFITS

For Loss of:

Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . .The Principal Sum

Both Hands . . . . . . . . . . . . . . . . . . . . . . .The Principal Sum

Both Feet . . . . . . . . . . . . . . . . . . . . . . . . .The Principal Sum

Entire Sight of Both Eyes . . . . . . . . . . . .The Principal Sum

One Hand and One Foot . . . . . . . . . . . . .The Principal Sum

One Hand and Entire Sight of One Eye .The Principal Sum

One Foot and Entire Sight of One Eye .The Principal Sum

Speech and Hearing . . . . . . . . . . . . . . . .The Principal Sum

One Arm . . . . . . . . . . . . . . . . . . . . . .3/4 The Principal Sum

One Leg . . . . . . . . . . . . . . . . . . . . . .3/4 The Principal Sum

One Hand . . . . . . . . . . . . . . . . . . . . .2/3 The Principal Sum

One Foot . . . . . . . . . . . . . . . . . . . . . .2/3 The Principal Sum

Entire Sight of One Eye . . . . . . . . . .2/3 The Principal Sum– 14 –


Speech or Hearing (Both Ears) . . . .2/3 The Principal Sum

Hearing (One Ear) . . . . . . . . . . . . . .1/3 The Principal Sum

Four Toes of One Foot . . . . . . . . . . .1/4 The Principal Sum

Thumb only of One Hand . . . . . . . .1/4 The Principal Sum

One, Two, or Three Fingers . . . . . . .1/6 The Principal Sum

Loss or loss of use of:

Both Legs . . . . . . . . . . . . . . . . . Two Times The Principal Sum

Both Arms and Both Legs . . . . Two Times The Principal Sum

Both Arms . . . . . . . . . . . . . . . . Two Times The Principal Sum

One Arm and One Leg . . . . . . . . . . . . . . The Principal Sum

Both Hands . . . . . . . . . . . . . . . . . . . . . . . The Principal Sum

One Arm . . . . . . . . . . . . . . . . . . . . . .3/4 The Principal Sum

One Leg . . . . . . . . . . . . . . . . . . . . . .3/4 The Principal Sum

One Hand . . . . . . . . . . . . . . . . . . . . .2/3 The Principal Sum

One Foot . . . . . . . . . . . . . . . . . . . . . .2/3 The Principal Sum

Thumb and Index Finger . . . . . . . . .1/3 The Principal Sum

At least Four Fingers of One Hand . . .1/3 The Principal SumPrincipal Sum means the amount of insurance indicated in theSummary of Benefits.

Loss as used above with reference to hand or foot meanscomplete severance through or above the wrist or ankle joint,but below the elbow or knee joint; as used with reference to armor leg means complete severance through or above the elbow orknee joint; as used with reference to thumb means the completeloss of the entire phalanx of the thumb; as used with referenceto finger means the complete loss of two entire phalanges of thefinger; as used with reference to toe means the complete loss ofone entire phalanx of the big toe and all phalanges of the othertoes; and as used with reference to eye means the irrecoverableloss of the entire sight thereof.

Loss as used above with reference to speech means completeand irrecoverable loss of the ability to utter intelligible sounds;as used with reference to hearing means complete andirrecoverable loss of hearing.

Loss as used above with reference to quadriplegia, paraplegiaand hemiplegia means the complete and irreversible paralysis ofsuch limbs.

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Loss as used above with reference to loss of use means the totaland irrecoverable loss of use provided the loss is continuous fortwelve consecutive months and such loss of use is determined tobe permanent at the end of the period.

Indemnity provided under this section for all losses sustained byany one member as the result of one accident shall not exceedthe following:

a) The Principal Sum for all losses except quadriplegia,paraplegia and hemiplegia for members under age 65.

b) Two Times the Principal Sum, or the Principal Sum ifLoss of Life occurs within 90 days after the date of theaccident with respect to quadriplegia, paraplegia andhemiplegia for members under age 65.

Exclusions:

This plan does not cover any loss, fatal or non-fatal, caused orcontributed to by:

1) self-destruction or self-inflicted injury, whether themember be sane or insane;

2) declared or undeclared war or any act thereof;

3) riding as a passenger or otherwise in any vehicle ordevice for aerial navigation other than as provided in thepart entitled “AIRCRAFT COVERAGE”;

4) a period of hospitalization which is less than five dayswith respect to the “HOSPITAL INDEMNITY” benefit;

5) committing, attempting, or provoking, an assault orcriminal offence.

Your Accidental Death and Dismemberment Plan alsoincludes the following benefits. The following benefits arebrief descriptions, please contact your plan administratorfor complete details and limitations.

Aggregate Limit$5,000,000 per accident for all insured members.

Aircraft CoverageCoverage while riding as passenger but not as a pilot, operatoror member of the crew.

Exposure and DisappearanceLoss due to unavoidable exposure to the elements. Loss of liferesulting from bodily injury caused by an accident at the timeof a disappearance, sinking or wrecking.

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Repatriation BenefitThe Insurer will pay the reasonable and customary expensesincurred for the transportation of the body of the deceasedmember to the first resting place (including but not limited toa funeral home or the place of interment) in proximity to thenormal place of residence of the deceased, subject to amaximum of $10,000.

Occupational Training BenefitIn the event of your accidental death, the Insurer will pay thereasonable and customary expenses incurred within threeyears following the date of the member’s accident for a spousewho engages in a formal occupational training program inorder to become specifically qualified for active employmentin an occupation for which he/she would not otherwise havesufficient qualifications, subject to a maximum of $10,000.

Rehabilitation BenefitIn the event you sustain an accidental injury which results ina loss payable and such injury requires that you undergospecial training in order to be qualified to engage in a specialoccupation in which you would not have engaged except forsuch injury, the Insurer will pay the reasonable and customaryexpenses incurred for such training subject to a maximum of$10,000 for any one accident.

Family Transportation BenefitIn the event you sustain an accidental injury and are confinedin a hospital located more than 150 kilometers from yournormal place of residence, the Insurer will pay the reasonableexpenses incurred by all members of your immediate familyfor hotel accommodation in the vicinity of the hospital andtransportation by the most direct route to the confinedmember, subject to a maximum of $1,000.

“Immediate family” means a person at least eighteen years ofage who is the spouse, son, daughter, father, mother, brother,sister, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law or sister-in-law of the member.

Seat Belt BenefitIn the event you sustain an accidental injury payable underthis benefit, the amount of Principal Sum will be increased by10% if, at the time of the accident, you were:

1) wearing a properly fastened seat belt; and

2) driving or riding in a vehicle driven by a driver who wasneither intoxicated nor under the influence of drugs,

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unless taken as prescribed by a physician, at the time ofthe accident. Intoxication and being under the influenceof drugs is as defined by the local jurisdiction where theaccident occurred.

Hospital IndemnityA daily benefit (1/30th of 1% of your Principal Sum,maximum of $2,500 per month) will be payable if you areconfined in a hospital for at least 5 days and under the care ofa physician for an accidental injury payable under this benefit,subject to a maximum of 365 days per injury.

Education BenefitIn the event of your accidental death, the Insurer will pay theEducation Benefit stated below for each of your dependentchildren who are enrolled as full-time students in aninstitution for higher learning within 365 days following dateof death of the member.

The Education Benefit is equal to the reasonable andcustomary expenses actually incurred, subject to the lesser of5% of your Principal Sum or $5,000, for each year thedependent child described above continues his education on afull-time basis in an institution for higher learning, but not toexceed 4 years, which must run consecutively, with respect toany one dependent child.

“Institution for higher learning” includes any university,college, CEGEP or trade school.

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WEEKLY DISABILITY INCOME FOR MEMBERS

If you become disabled while insured and unable to work as aresult of a non-occupational accident or disease, you will bepaid at the rate of $400.00 for each week of work that youmiss. Benefits will begin on the dates described in a) and b)below, subject to the fulfillment of the coverage provisions 1through 4.

a) In the case of an accident, your benefits will start fromthe first day that you miss work, after you have beentreated by your doctor (M.D.).

b) In the case of sickness, your benefits will start from thelater of the eighth day after the date confirmed by yourdoctor (M.D.) as the beginning of your disability, or thedate you are first seen by your doctor (M.D.). Howeverbenefits will be paid from the first day of hospitalizationif you are hospitalized for at least 18 hours prior to theeighth day.

Benefits will continue for a maximum of 14 days from thedate of disability. If you are then eligible for Accident andSickness benefits from Employment Insurance, the plan willstop payment and your disability benefits will continue for amaximum of 15 weeks from E.I. Upon the expiration ofAccident and Sickness benefits from E.I., the plan willimmediately begin payment up to a maximum of 35 additionalweeks. In this case, your total period of protection from bothE.I. and the plan is 52 weeks for any single period ofdisability.

Alternatively, if you are not eligible for weekly Accident andSickness benefits from E.I., your benefits will continue fromthe plan and will be payable for a maximum of 52 weeks.

Note: Be sure to apply for Employment Insurance Accidentand Sickness benefits as soon as you become disabled.If you do not qualify for these benefits, please contactthe Administration Office immediately.

Coverage Provisions

1) Disability must commence while you are covered by thebenefit plan.

2) You must be under the continuing care of a licenseddoctor (M.D.) but it is not necessary to be confined toyour home to collect benefits.

3) Only those days on which you are not performing work

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for compensation or profit are counted as days ofdisability.

4) After collecting disability benefits, you can re-qualifyfor a new 52-week benefit period provided:

a. The cause of the second disability is not related tothe first one and the latest disability absence occursafter return to active work for at least one full day,

or

b. You have worked full time for at least twoconsecutive weeks since the first disability ended,for disabilities that are, related or of the same cause.

No benefit will be paid for:

1) Any disability or charge that results from or iscontributed by claims arising as a result of anAutomobile Accident;

2) Any day you do any kind of work for pay or profit;

3) The period you are entitled to pregnancy leave ofabsence by statute, contract or employer agreement. This plan will, however, pay benefits for the post-natalrecovery period of maternity leave in accordance withGreat-West Life’s claim practices.

No benefit will be paid for any Disability that results from oris contributed to by:

1) War, whether declared or not;

2) Insurrection, rebellion or participation in a riot or civilcommotion;

3) Purposely self-inflicted injury; or

4) Your commission of or attempt to commit, an assault ora criminal offence.

Great-West Life may require you to report for a medicalexamination as often as is reasonable by a licensed doctor(M.D.) of their choice. Failure to report for a medicalexamination may result in termination of your benefitpayments.

Extension of BenefitIf you are disabled on the date your insurance terminates, youwill be entitled to the same benefit as though your insurancehad not terminated.

– 20 –


How to Make a Claim for the Disability Income Benefitsand Long Term Disability

1) Obtain a claim form from the Administrator or your localUnion Office.

2) Obtain a claim for Employment Insurance sick benefits.

3) Be sure and complete both forms.

4) Have the claim form for disability income benefitscompleted by your physician.

5) Subsequent proof of claim shall be submitted promptlyby or on behalf of the member at such intervals as theInsurance Company may require. All such proof ofclaim shall be signed by a licensed doctor (M.D.).

6) Forward the form to the Administrator.

Global BenefitsLabourers’ Union Local 506(Wreckers’ Division) Benefit Plan545 Wilson AvenueToronto, OntarioM3H 1V2

7) File your E.I. sick claim at the same time you file theclaim with the Fund Administrator.

– 21 –


LONG TERM DISABILITY

If you become totally disabled while insured as a result ofsickness or accidental injury and are under the care of a licensedphysician or surgeon and residing in Canada, unless priorapproval to the contrary is obtained from Great-West Life, youwill receive a monthly indemnity in the amount of $500.00 for upto 5 years. To be eligible for benefits, you must have been seenby, and treated by, a licensed doctor (M.D.) within 31 days of thedate you became Totally Disabled. This indemnity is payableafter you have completed the qualifying period, which is the first52 weeks of a period of Total Disability, but not beyond theattainment of age 65. However, should the waiting period becompleted after the attainment of age 64, but before theattainment of age 65, the benefit shall be payable for 12 monthsor until the end of the disability, if earlier.

Total DisabilityThe expression “total disability” as employed herein shall mean,during the waiting period and for the next 24 months of disability,a state of disability resulting from sickness or accidental injurythat wholly prevents you from performing the essential duties ofyour occupation (type of work, not just your own job).

Thereafter, it shall mean a state of disability that wholly preventsyou from engaging in any remunerative employment for whichyou are, or may reasonably become fitted by education, trainingor experience.

The availability of employment will not be considered in theassessment of your disability.

Successive DisabilitiesAny 2 periods of total disability that are:

a. due to the same or related cause; and

b. separated by return to active full-time work for less than6 months (2 weeks during the Waiting Period);

will be deemed to be 1 period of Total Disability with only theinitial Waiting Period applying, provided the first periodbegins while you are covered under this benefit.

Benefit Offsets

Your benefit will be reduced by income payable (or wouldhave been payable had you applied for it) by any amountnecessary to limit to 85% of pre-disability Earnings theincome payable:

1) as a Long Term Disability Benefit:

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2) from any job for pay or profit (except under an approvedrehabilitation program);

3) because you are disabled or retired under;

• any plan required or provided by a government orpursuant to a statute, such as, but not limited to,Workplace Safety and Insurance Board of Ontario(WSIB), any Automobile Insurance Act and the Canadaor Quebec Pension Plan (CPP/QPP), including incomepayable for your spouse, children or other dependents;

and

• any other group insurance, benefit, pension or otherarrangement for members of a group (whether on aninsured basis or not).

Should you receive income from any of the above sourcespayable:

• as a retroactive award, benefit payments will be adjustedto reflect any overpayment that may have beenmade;

• other than monthly, such income will be converted to amonthly basis; or

• in a lump sum payment for loss of future income, nofurther benefits will be paid until such time as the sum ofthe benefit payments otherwise payable equals theamount of such lump sum.

Your benefit will not be reduced by income payable from:

• a CPP/QPP cost of living increase that occurs after thedate you became Totally Disabled under this Benefit;

• disability or retirement benefits at the level that you werereceiving them prior to the date you became TotallyDisabled under this Benefit; or

• any individual disability insurance, exclusive of accidentbenefits payable under an automobile policy.

Recovery of BenefitsIf you receive a benefit under this plan in excess of whatshould have been paid. Great-West Life has the right torecover the amount of such excess from you or deduct it fromfuture monthly benefits payable to you.

RehabilitationIf you recover enough from your disability to be able to workfull-time or part-time at any job under a rehabilitation

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program approved in writing by Great-West Life, you will stillbe deemed to be Totally Disabled and your benefit will onlybe reduced by the greater of:

• 50% of the income you receive from such rehabilitativework; or

• the amount needed to keep your disability benefitincome plus your rehabilitative income at the same levelas your pre-disability earnings.

If you refuse to participate in a rehabilitation programrecommended by Great-West Life, your benefit payments willbe terminated.

Third Party LiabilityIf you receive benefit payments under this plan for loss ofincome for which there may be a cause of action against athird party, you will be required to complete a ReimbursementAgreement. This will entitle Great-West Life to be reimbursedfor any amount(s), including interest, you recover from a thirdparty for:

• loss of income; or

• medical or dental expenses;

which, together with any amount(s) paid or payable under anyof the Benefits of this plan, would exceed your actual loss.

Following notification to Great-West Life of any judgement orsettlement of claim against a third party, further benefitpayments under this plan will terminate until Great-West Lifehas been reimbursed the amount set out in the ReimbursementAgreement.

If a lump sum payment is made under judgement or settlementfor loss of future income, no further benefit will be paid underthis plan until such time as the sum of the benefit paymentsotherwise payable equals the amount of such lump sum.

LimitationsNo benefit will be paid for the period you are entitled topregnancy leave of absence by statute, contract or employerarrangement.

No benefit will be paid for any disability (or charge) thatresults from or is contributed to by claims arising as a resultof an automobile accident.

No benefit will be paid for any disability that results from oris contributed to by:

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• war, whether declared or not;

• insurrection, rebellion or participation in a riot or civilcommotion;

• purposely self-inflicted injury;

• your commission of, or attempt to commit, an assault orcriminal offence; or

• chronic alcoholism, or use of narcotics, barbiturates orhallucinogens, unless you are receiving ongoing activeprofessional treatment deemed appropriate for thecondition being treated.

Benefit payments may be terminated if you:

• fail to provide proof of ongoing disability whenrequested to do so;

• are not receiving accepted standard professionaltreatment for the condition being treated and, whereappropriate, treatment by a relevant and certifiedspecialist;

• refuse or fail to complete and return or comply with theterms of the Reimbursement Agreement in accordancewith the Third Party Liability provision; or

• fail to report for a medical examination, as often as mayreasonably be required, by a licensed doctor (M.D.) ofGreat-West Life’s choice.

Waiver of PremiumNo premium is required for this Benefit during a period forwhich you are entitled to receive benefit payments.

Extension of BenefitIf you are Totally Disabled on the date your insuranceterminates, you will be entitled to the same benefit as thoughyour insurance had not terminated.

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CLAIMS ARISING OUT OF AUTOMOBILEACCIDENTS

Effective March 1, 2000, no benefits will be paid for anyclaims arising as a result of an Automobile Related Accident.

Notwithstanding any other provisions of the Plan, claims forbenefits arising out of an automobile accident shall begoverned by the following.

Certain benefits may be available to Plan Members of the Planwho suffer an impairment as a result of an automobileaccident through the “no fault” scheme established by theProvince of Ontario. The Labourers’ Union Local 506Wreckers’ Division excludes those benefits to the extent thata Plan Member is eligible to receive them. The Plan Memberwill not be entitled to receive benefits under the Plan to theextent he is eligible to receive the “no fault” benefits. This isthe case even where the Plan Member is not in receipt of the“no fault” benefits if the Plan Member fails to diligently makeapplication and pursue the “no fault” benefits.

Notwithstanding any other provision of this Plan, no benefitsare payable under the Plan to a Plan Member where the PlanMember has incurred an impairment as a result of anautomobile accident to the extent the Plan Member is eligiblefor “no fault” benefits. A Plan Member who incurs animpairment as a result of an automobile accident will beentitled to benefits under the Plan to the extent that:

1) They are not available as “no fault” benefits;

2) There are exclusions in the “no fault” Plan whichwould exclude or exempt coverage under the “nofault” benefits but are not so exempt by this Plan;

3) The “no fault” benefits are of a limited duration andthe benefits available under the Plan are of a greaterduration; or

4) The benefits would otherwise be available to the PlanMember under the terms of the Plan.

An individual will NOT be entitled to benefits under the Planif he:

a) Fails to diligently apply for and provide all necessaryinformation to become entitled to “no fault” benefits;

or

b) Fails to provide further information and to maintainqualification for the “no fault” benefits.

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A Plan Member shall also be disentitled to benefits under thePlan if the Plan Member accepts a settlement respecting the“no fault” benefits to which he or she would otherwise havebeen entitled. The Plan Member shall be disentitled to benefitsunder the Plan to the extent that the settlement constitutes acompromise of or waiver of entitlement to “no fault” benefitsotherwise available to the Plan Member.

Where a Plan Member makes a claim for benefits under thePlan and has been in receipt of “no fault” benefits, the PlanMember may be required to provide an accounting of thebenefits as received under the “no fault” Plan. In addition, aPlan Member who has not indicated receipt of “no fault”benefits may be required to provide evidence that the loss forwhich a claim is being made does not arise out of anautomobile accident.

The benefits under the Plan affected by these provisions willdepend on the “no fault” benefits available from time to time.At the date of the writing of the provision, those benefitsinclude but are not necessarily limited to the following:

1) Short and long term disability benefits;

2) Supplementary health benefits including:

• prescription drugs

• vision care

• ambulance service

• private duty nursing

• dental accidents

• orthopedic supplies

• hearing aids

• physiotherapy and occupational therapy

• artificial and assistive devices

• physiological services.

The exclusions and limitations described in this section whichare applicable to a Plan Member are also applicable to adependent who makes a claim under the Plan.

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SUPPLEMENTARY HEALTH INSURANCEFOR MEMBERS AND DEPENDENTS

You and your eligible dependents will be reimbursed for outof pocket health costs for the types described below ascovered expenses, and incurred anywhere in the world whileinsured. In all instances, the expense must be reasonable andmedically necessary.

Maximum Benefit

The maximum amount payable for supplementary healthinsurance benefits (excluding out-of-Hospital Nursing andOut-of-Province Emergency Treatment) for any one insuredperson is $15,000 in any calendar year. The Out-of-HospitalNursing Benefit Maximum is $10,000 per calendar year.

Covered Expenses

Covered expenses are charges which are required to be paidfor the following services and supplies related to the treatmentof non-occupational injuries, diseases, pregnancy and forvision care.

a) Drugs and medicines (including oral contraceptives) andvaccines obtainable only upon a licensed doctor (M.D.)or licensed dentist’s prescription (or other professionalsauthorized by Provincial Legislation to prescribe drugs),and dispensed by a registered Pharmacist or LicensedDoctor (M.D.) legally authorized to dispense such drugs.Items that can be obtained without a prescription are notcovered by this plan and claims for such items will berejected. Erectile dysfunction medications (includingViagra) are not covered under the plan.

Ontario Drug Benefit Program

Dispensing fees and deductibles that would regularly beeligible for benefit coverage will continue to be eligiblefor benefit coverage for those people over age 65 whoare obliged to make the payments when in receipt ofdrugs dispensed through the Ontario Drug BenefitProgram.

b) Ambulance

Charges in excess of the amount payable under theinsured person’s Provincial Health Plan foremergency transportation within the continental limitsof the U.S.A. and Canada:

• by professional licensed ambulance service (other

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than air ambulance) to transport the insured personto and from a hospital; or

• by regularly scheduled air line or railroad or by airambulance from the city or town or location inwhich the insured person becomes disabled to andfrom the nearest hospital qualified to providespecial treatment for the injury or sickness, exceptthat in any calendar year only charges incurred forthe first trip to and the first trip from a hospital onaccount of any one accident or sickness are included.

c) Registered graduate nurse for nursing services athome ordered by a licensed doctor (M.D.) asmedically necessary for a disability that requires thespecialized training of a R.N., provided the nurse doesnot ordinarily reside in your home or is not a memberof your or your spouse’s family, up to $10,000 percalendar year.

d) Out of Province Emergency Treatment as follows:

Charges incurred while traveling or vacationingoutside the insured person’s home Province providedpart of the charge is payable under the insuredperson’s Provincial Health Plan, that are:

• hospital charges for:

• room and board in excess of the ward rate under theinsured person’s Provincial Health Plan up to theaverage semi-private rate plus user fees; and

• other inpatient and outpatient medical services; and

• reasonable and customary charges for the area inwhich they are incurred, that are in excess of theamount payable under the insured person’sProvincial Health Plan for:

• a licensed doctor (M.D.);

• professional license ambulance service, includingair or rail ambulance service, to transport theinsured person back to a hospital within his homeProvince, provided prior approval is obtained fromGreat-West Life; and

• blood, blood products and their transfusion.

e) Durable Medical Equipment and Supplies Charges forsupplies and the rental of or, at Great-West Life’s option,

– 29 –


the purchase of durable medical equipment of the typeand model adequate for the insured person’s medicalneeds based on the nature and severity of the disability,such as, but not limited to:

• hospital beds, wheelchairs, canes, crutches, walkersand trusses;

• braces for back, neck, arm or leg and non-dentalprostheses such as artificial limbs and eyes; includingreplacement if required because of a change inphysical condition;

• respiratory equipment, including oxygen;

• kidney dialysis equipment;

• splints, casts, catheters, and hypodermic needles;

but excluding personal comfort, convenience, exercise,safety, self-help or environmental control items, or itemswhich may also be used for non-medical reasons, suchas, but not limited to:

• heating pads or lamps, communication aids, airconditioners or cleaners, and whirlpool baths orsaunas.

Before incurring any major expenses you should submitdetails to Great-West Life to determine to what extentbenefits are payable. In any event, a letter will berequired from a licensed doctor (M.D.) describing thenature of the disability and the type, medical need andestimated duration of any required durable medicalequipment.

f) Vision Care

Charges for prescription glasses or contact lenses or lasereye surgery up to a maximum of $300.00 per calendaryear. No amount will be paid for safety or sunglasses,anti-reflective coatings, or for tints other than No. 1 orNo. 2.

The cost of one eye examination including refractionsis covered once every 2 years.

g) Hearing Aids

The cost for the purchase of hearing aids, excludingbatteries, when provided by a certified, clinicalaudiologist, subject to a maximum amount of $300.00 perperiod of five (5) consecutive years per insured person.

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h) Health Practitioners

Charges including x-ray charges, for a practitionerwho is registered and legally practicing within thescope of his license as:

• a chiropractor - $35 per visit up to a calendar yearmaximum of $500;

• an osteopath or podiatrist up to a calendar yearmaximum of $300, per type of practitioner;

• a physiotherapist - $60 per visit up to a calendar yearmaximum of $500, when treatment is prescribed by alicensed doctor (M.D.) as to duration and type;

• an acupuncturist - $25 per visit up to a calendar yearmaximum of $300;

• a psychologist for treatment only or speech therapist,up to a calendar year maximum of $300 per type ofpractitioner, when treatment is prescribed by alicensed doctor (M.D.) as to duration and type; or

• a psychoanalyst who is a licensed doctor (M.D.) if thecovered person is not hospitalized (Quebec residentsonly), up to a calendar year maximum of $300.

No amounts will be paid for any visits for which anyamount is payable under the insured person’s ProvincialHealth Plan, unless permitted by law.

i) Foot Care

Charges for orthopedic shoes (including repairs) up to acalendar year maximum of $250 per covered person andarch supports, molds or orthotic devices up to a calendaryear maximum of $250 per covered person which havebeen specially designed and molded for the coveredperson and are required to correct a diagnosed physicalimpairment, provided that the following information issupplied:

• a diagnosis, including a list of symptoms and theprimary complaint;

• a description of the physical findings from theclinical examinations;

• a brief description of the abnormal walking patternassociated with the diagnosis; and

• confirmation that the product has been custommade.

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Your orthopedic shoes and arch supports, molds ororthotic devices must be prescribed on an annual basis. For information on eligible prescribing and dispensingproviders, please contact your Benefits Administrator fora copy of the plan member information sheet providedby Great-West Life.

j) Dental Care For Accidental Injury

Charges for dental care by a licensed dentist for theprompt repair of sound natural teeth when required fora non-occupational accidental injury, external to themouth, that occurs while the person is insured.

k) Diagnostic Laboratory and X-Ray Expenses

Extension of BenefitsIf an insured person is Totally Disabled on the date insuranceunder these Benefits terminates, entitlement to benefits will bethe same as though such insurance had not terminated, for aslong as such person remains continuously so disabled, but notbeyond the earliest of:

• the date such person becomes insured under any othergroup-type plan providing similar coverage; or

• 3 months.

DefinitionsNote: applicable to Semi-Private Hospitalization – ThisBenefit is self insured by the Trust Fund.

To be recognized as a hospital for insurance purposes, aninstitution must keep patients regularly overnight, have fulldiagnostic, surgical and therapeutic facilities under thesupervision of a staff of licensed doctors (M.D.), must haveregular 24 hour nursing service by registered graduate nursesand is approved as a hospital for payment of the ward rateunder the Provincial Health Plan. Unless they fully meet thisdefinition institutions such as clinics, nursing homes, andplaces for rest, the aged, drug addicts or alcoholics do notqualify as hospitals.

LimitationsNo amount will be paid for any disability (or charge) thatresults from or is contributed to by claims arising as a resultof an automobile accident.

No amount will be paid for care services or supplies:

• for drugs, sera or injectable drugs when administered ina hospital setting whether administered on an in patient

– 32 –


or out-patient basis, except as provided under Out-ofProvince,

• if the payment is prohibited by law;

• that a covered person may obtain as a benefit under anygovernmental plan or law;

• for which no charge would have been made in theabsence of this coverage;

• for dental work, except as provided under Dental Carefor Accidental Injury;

• for erectile dysfunction medications (including Viagra),effective April 9, 1999.

No amount will be paid for any charge incurred that resultsfrom or is contributed to by:

• war, whether declared or not;

• insurrection, rebellion or participation in a riot or civilcommotion;

• purposely self-inflicted injury; or

• the insured person’ commission of, or attempt to commit,an assault or a criminal offence.

How to Make a Claim for your Covered Expenses underthe Supplementary Health Insurance:

1) Obtain a claim form from the Administrator or yourLocal Union Office or Union Steward.

2) Carefully complete the claim form.

3) Complete the “claim for Reimbursement of the Covered Expenses” portion of the claim form.

4) List all expenditures incurred, using a separate form foreach member of the family.

5) Attach all receipts to the claim form.

6) Forward all forms and receipts to:

Global BenefitsLabourers’ Union Local 506(Wreckers’ Division) Benefit Plan545 Wilson AvenueToronto, OntarioM3H 1V2Telephone: (416) 635-6000

– 33 –


DENTAL COVERAGEFOR MEMBERS AND DEPENDENTS

You and your eligible dependents will be reimbursed for outof pocket dental costs of the types described below under“covered expenses”.

You are strongly urged to show this Booklet to your dentist.The technical terms used to identify the covered dentalservices may be unfamiliar to you, but your dentist will beable to answer your questions about them. He will also beinterested in knowing what benefits this plan covers. Inaddition, some dentists may charge higher amounts for theirservices than this plan allows. Benefits will only be paidaccording to the 2009 Ontario Dental Association Fee Guidefor General Dental Practitioners.

Before going to the dentist, get a claim form from theAdministrator or the local Union Office.

Predetermination of Benefits

Treatment Plan

On some occasions, the dental care you require will becomplex in nature and costly in expense. In such cases, nodoubt your dentist will have discussed with you the treatmenthe plans and the sort of fees that will be involved. In order thatyou will know in advance, the financial assistance you willreceive from this plan, a special “Pre-Determination ofBenefits Service” has been adopted. Since it is the purpose ofthe plan to pay the least expensive, professionally adequatemethod of treatment, and since frequently the more complexforms of dentistry offer more than one choice of treatmentplan, the plan requires that you give advance notification whenthe dentist’s fee for a proposed plan of treatment exceeds $500.

Please follow these steps

1) Obtain a copy of the dentist’s treatment plan or have thedentist complete the plan’s Dental Claim form clearlyindicating that the services are proposed and not completed.Either of these statements will give the Administrator thenecessary information for pre determination.

2) Forward this information to the Administrator.

3) The Administrator will tell you what the plan will pay ifthe dentist completes the treatment prescribed in histreatment plan, and if you are insured when the servicesare rendered.

– 34 –


This extra service is for your benefit, so that you will know inadvance what you will have to pay from your own pocket andbudget for it. If you don’t take advantage of it you may findyou have received dental services, the cost of which is inexcess of what the plan covers. Any such excess cost willcome out of your own pocket.

Covered ExpensesUp to $2,000.00 in benefit payments will be made during eachcalendar year for each eligible insured family member.Expenses will be reimbursed at 100%. Payments for thefollowing expenses will be based on the usual reasonable andcustomary fee charged by the dentist up to a limit of theappropriate fee in the 2009 Ontario Dental Association FeeGuide for General Dental Practitioners.

Expenses reimbursed at 100%

• oral exams, including the cleaning of teeth, but not morethan once every 6 months; complete exams only onceevery 12 months;

• scaling and root planing (limited to 10 units per calendaryear for all procedures combined, however, childrenunder 13 years of age are limited to 1 unit every 6months for all procedures combined);

• occlusal equilibration (limited to 8 units per calendaryear);

• topical applications of sodium or stannous fluoride twiceevery 12 months (under age 17 only);

• dental x-rays (Bite-wings up to four every 12 months,full mouth once every 24 months);

• extractions;

• oral surgery, including excision of impacted wisdomteeth;

• fillings (including white fillings);

• anaesthetics administered in conjunction with oralsurgery or other covered dental services;

• space maintainers and prefabricated full coveragerestoration for primary teeth;

• injections of antibiotic drugs by the attending dentist;

• periodontic treatment for disease of the bone and gumsof the mouth, including tissue grafts and occlusal guards,but not athletic guards;

– 35 –


• occlusal guards in connection with periodontal treatmentor bruxism;

• endodontic treatment, including root canal therapy;

• inlays, onlays, gold fillings, crowns and initialinstallation of fixed bridgework (including inlays andcrowns to form abutments) to replace one or morenatural teeth extracted while the individual is covered orafter being covered under the plan for 1 year;

• initial installation of partial permanent or full temporaryor permanent removable dentures to replace one or morenatural teeth extracted while the individual is covered orafter being covered under the plan for 1 year;

• pit and fissure sealants (one application per tooth perlifetime for covered dependent children)

• replacement of an existing partial or full removabledenture or fixed bridgework by a new denture or newbridgework, or the addition of teeth to an existing partialdenture to replace extracted natural teeth, but only ifevidence satisfactory to the Insurance Company ispresented that:

a) the replacement or addition of teeth is required toreplace one or more natural teeth extracted after theexisting denture was installed and while the individual iscovered; or after being covered under the plan for 1 year;

b) if the existing denture or bridgework was paid for bythe plan, it must have been installed at least 5 yearsprior to its replacement and that the existing dentureor bridgework cannot be made serviceable and afterbeing covered under the plan for 1 year (waitingperiod is waived if replacement of denture is requiredbecause of breakage);

c) the existing denture is an immediate temporary denturereplacing one or more natural teeth extracted while theindividual is insured, or after being covered under theplan for 1 year, and replacement by a permanentdenture is required and takes place within one yearfrom the date of installation of the temporary denture.

• repair, resurfacing or recementing of crowns, inlays,onlays or bridges;

• relining of full or partial dentures and rebasing ofdentures once every 24 months;

– 36 –


• one denture adjustment or repair every 24 consecutivemonths.

Treatment in the case of each dental expense, must have beenmade by a licensed dentist, except that cleaning and scaling ofteeth may be performed by a licensed dental hygienist, andinstallation, adjustment, repair, relining or rebasing of fulldentures, may be done by a denture therapist, denturist,technician or mechanic if he is legally qualified and licensed.

Charges for such care, services and supplies will be deemedto be Covered Charges up to the lesser of the amount shownin the Practitioner’s tariff of the Province where the chargesare incurred or the Fee Guide for dentists.

Reasonable and customary charges by an anaesthetist for theadministration of a general anaesthetic in connection with acovered dental procedure will be deemed to be CoveredCharges.

Alternative ServicesIf alternative services may be performed for the treatment ofa dental condition, the maximum amount payable will be theamount shown in the Fee Guide for the least expensive serviceor supply required to produce a professionally adequate result.

Dental Implants: Services or supplies for implantology,including tooth implantation or transplantation and surgicalinsertion of fabricated implants are covered only up to theamount that would have been paid for the least expensivealternative treatment.

Orthodontics(Program to Straighten Teeth)

Covered charges

• diagnostic procedures including models;

• therapy and appliances; and

• correction of malocclusion.

The Plan pays 50% of up to $5,000 of eligible charges to alifetime maximum of $2,500, eg.

Eligible Charges Plan Pays

$1,500. . . . . . . . . . . . . . . $ 750

$2,000. . . . . . . . . . . . . . . $1,000

$3,000. . . . . . . . . . . . . . . $1,500

$5,000. . . . . . . . . . . . . . . $2,500 maximum

– 37 –


If a member up to 21 years or dependent spouse or childattains maximum age while in receipt of orthodontictreatment for a plan which commenced prior to their attainingmaximum age, the payment of benefits will continue until thetreatment plan has been completed.

Eligible charges are those made to you for an orthodonticprocedure that is in an “Orthodontic Treatment Plan” thatprior to the treatment has been reviewed by the Administratorand returned to you showing estimated benefits.

The claim will be paid in equal installments beginning whenthe orthodontic appliances are first inserted, and monthly orquarterly thereafter for the estimated duration of the treatmentplan, as long as the patient remains covered and continues toreceive the treatment.

In any event the following charges are not eligible:

1) Charges for a procedure for which an active appliancewas installed before the patient was covered.

2) A charge incurred while the patient’s coverage is not ineffect. However, if benefits are being paid at terminationof coverage, they will be continued for charges incurredduring the rest of the monthly installment period inprogress.

Exclusions

• orthodontic treatment or correction of malocclusion(teeth straightening) except for dependent children,spouse and members up to age 21;

• any dental procedure which is included under any othermedical plan provided by an employer or government;

• the initial installation of dentures and bridgework(including crowns and inlays forming the abutments),when such charges are incurred for the replacement ofteeth, all of which were extracted when the individualwas not insured;

• prostheses, including crowns and bridgework, and thefitting thereof which were ordered while the person wasnot covered, or which were ordered while the person wascovered but which were finally installed or deliveredafter this benefit is discontinued or more than 31 daysafter termination of coverage for any other reason;

– 38 –


• replacement of a lost or stolen prosthetic device;

• personalization or characterization of dentures;

• services and supplies that are partially or whollycosmetic in nature;

• supplies which were first prescribed or recommendedprior to the date on which the individual would otherwisebecome insured hereunder for the reimbursement inrespect of such supplies;

• charges for completion of claim forms;

• charges for Oral Hygiene instructions, nutritionalcounseling or protective athletic appliances;

• charges for appointments broken without notice;

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

• space maintainers and prefabricated full coveragerestorations on permanent teeth;

• charges that would not have been made if there was nobenefit plan; or

• charges for a consultation.

How to make a Claim for your covered expenses under theDental Benefit:

1) Obtain a claim form from the Administrator or your localUnion Office

2) Carefully read the instructions on the front of the claimform

3) You must complete the front of the form and the dentistwill complete the back of the form

4) You or your dentist should send the completed form to:

Global BenefitsLabourers’ Union Local 506(Wreckers’ Division) Benefit Plan545 Wilson AvenueToronto, OntarioM3H 1V2Telephone: (416) 635-6000

– 39 –


BEREAVEMENT PAY

In the event of a death in the member’s immediate family, aneligible member shall be entitled to Bereavement Pay for losttime from work up to a maximum of 3 days (excluding week-ends) for each day that the member is absent from work forthe purposes of attending or arranging the funeral.

Immediate family shall be defined as the member’s Spouse,Son, Daughter, Mother, Father, Brother, Sister,Grandfather, Grandmother, Mother-in-law, Father-in-law.

Immediate family shall include legal, common-law andadoptive relationships.

The maximum benefit payable shall be $150.00 a day for eachday that the member is absent from work, up to 3 days.

No payment shall be made for lost time following the date ofthe funeral unless the member is required to travel for thepurpose of attending the funeral.

Bereavement Pay for lost time on Saturday or Sunday shallonly be paid if the member was scheduled to work on suchday and this requirement is verified by the member’semployer.

To be eligible for benefit a member must have been in benefitat the date of the death.

Claim forms may be obtained from the Union Office or theAdministrator and must be completed by the member andhis/her employer.

Bereavement Pay benefits are self-insured benefits providedby the Employee Trust Fund and are not underwritten by theinsurance carrier.

– 40 –


JURY DUTY

Eligible Members who are called to perform Jury Duty shallbe entitled to be paid for lost earnings up to maximum of$150.00 a day less any fee received from the Court for any daythat the Member incurs lost earnings while serving as a Juror.

Claim Forms should be obtained from the Union Office andcompleted by both the Member and his/her employer.

Completed Claim Forms should be sent to the Administrator.

Jury Duty benefits are self insured benefits provided by theEmployee Trust Fund and are not underwritten by theinsurance carrier.

– 41 –


MEMBER AND DEPENDENT OHIP(ONTARIO HEALTH INSURANCE PLAN)

The Ontario Health Insurance Plan pays for most medical andsurgical services required by residents of Ontario and theireligible dependents. OHIP also pays for standard wardhospital charges.

As regulations for OHIP are made under the Ontario HealthInsurance Act and will change from time to time, it issuggested that descriptive folders obtainable from OHIPdistrict offices be read in conjunction with this booklet. Thisis particularly important with respect to the definition of“dependents” under OHIP, and the provision for continuingOHIP when such persons are no longer “dependents”.

OHIP ClaimAll OHIP claims should be made directly to OHIP. Theyshould not be sent to the Administrator of this Plan.

– 42 –


COORDINATION OF BENEFITS(HEALTH CARE AND DENTAL CARE BENEFITS ONLY)

If a person covered under this plan is also covered underanother plan, benefits under all plans are adjusted so as tolimit the combined payment to 100% of the total allowableexpense.

The manner in which this is done is to determine which planpays first (and thus determine where to submit the claim first)and which plan(s) pays next.

The plan that does not have a coordination of benefitsprovision pays before the plan that does (most, if not all,Insurance Company plans have such a provision).

The plan that covers the person as:

• other than a dependent pays before the plan that coverssuch person as a dependent; or

• a dependent child of the parent, covered as an employeeor member, whose birthday occurs first during thecalendar year, pays first.

If priority cannot be established in the above manner, thebenefits shall be pro-rated between or amongst the plans inproportion to the amounts that would have been paid undereach plan had there been coverage by just that plan.

To implement this provision, Great-West Life may:

• subject to the consent of the covered person, if requiredby law, obtain from or release to any other person,corporation or organization any information deemed tobe needed; or

• pay to or recover from any other person, corporation ororganization any excess payment; any payment so madewill be deemed to be benefits paid and, to the extent ofsuch payments, will fully discharge Great-West Lifefrom all liability under this plan.

Allowable expense means any necessary, reasonable andcustomary item of expense, at least a portion of which iscovered under at least one of the plans covering the person forwhom claim is made.

When a plan provides benefits in the form of services ratherthan cash payments, the reasonable cash value of each servicerendered will be deemed to be both an allowable expense anda benefit paid.

– 43 –


Plan means any contract of group insurance or otherarrangement for members of a group (whether on an insuredbasis or not), prepaid health or dental care coverage, orstudent accident insurance.

Proof of LossWritten proof stating the occurrence, character and extent ofloss must be submitted for each benefit to Great-West Lifewithin:

• 6 months after the date of death under the DeathProvision for Life Insurance Benefit;

• 24 months after the date the employee ceases active workbecause of Total and Permanent Disability under theDisability Provision for Life Insurance Benefit;

• 6 months after the date of the loss for Accidental Deathand Dismemberment Benefits;

• 6 months after the end of the Waiting Period for theEmployee Long Term Disability Benefit; andto Global Benefits within:

• 6 months after the start of Disability for the EmployeeWeekly Disability Benefit;

• 18 months after the date of the loss, but not more than 6months after the date coverage terminates, for HealthCare and Dental Care Benefits.

Legal action to recover benefits under this plan must beginwithin 2 years (6 years for Life Insurance) of the date of loss.

Great-West Life shall have the right and opportunity toexamine any person whose injury or illness is the basis ofclaim, when and as often as it may reasonably require duringthe tendency and payment period, if any, of such claim.

CHANGE OR DISCONTINUANCE OF THE PLAN

The Plan is financed by contributions from employers undercollective agreements with the Union. The Board of Trusteeshas established the plan and the eligibility rules.

Any person who wishes to appeal any action by the plan’sAdministrator must notify the Trustees of the benefit plan bya letter, addressed to Labourer’s Union Local 506’sHeadquarters in Toronto, Ontario. If necessary, such personmay be given an opportunity to appear before the Trustees.

– 44 –


The decisions of the plan’s Trustees are final and conclusiveand binding on all persons.

The Trustees necessarily reserve the right to change ordiscontinue the plan if future circumstances should requiresuch change or discontinuance.

This booklet is intended to give you a general explanation ofthe insured benefits but it should be understood that themaster insurance contracts are the governing documents inany question of interpretation.

For Information about your Eligibility for Coverage,Claims or Benefits:

Call or write:

Global BenefitsLabourer’s Union Local 506(Wreckers’ Division) Benefit Plan545 Wilson AvenueToronto, OntarioM3H 1V2

Telephone: (416) 635-6000

Mailing Instructions:

When writing the Administrator, please enclose the followinginformation:

(a) Your name as listed on your employer’s payroll

(b) Your home address

(c) Your social insurance number

(d) Your telephone number

(e) The name of your local union

(f) Your date of birth

The benefits described under this plan may be revised fromtime to time or discontinued. Detailed information aboutbenefits or other provisions of the contract(s) or copies ofthose provisions may be obtained from your PlanAdministrator.

– 45 –


LABOURERS’ LOCAL 506GROUP LEGAL BENEFIT PLAN

– 46 –


The Defenders Group

545 Wilson AvenueToronto, Ontario

M3H 1V2Telephone (416) 635-6000

– 47 –


TABLE OF CONTENTS

PAGE

SECTION 1 INTRODUCTION . . . . . . . . . . . . . . . . . . . . . .49

SECTION 2 ELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . .50

SECTION 3 SCHEDULE OF BENEFITS . . . . . . . . . . . . . .52

"A" REAL ESTATE . . . . . . . . . . . . . . . . . . . . . .52

"B" DIVORCE AND DOMESTICPROCEEDINGS . . . . . . . . . . . . . . . . . . . . .54

"C" PREVENTIVE LAW . . . . . . . . . . . . . . . . .56

"D" NON-COMPLEX LEGAL DOCUMENTS . . . . . . . . . . . . . . .56

"E" WILLS AND ESTATES . . . . . . . . . . . . . . .57

"F" LANDLORD AND TENANT MATTERS . . . . . . . . . . . . . . . . . . . . . . . . .57

"G" CONSUMER AND PERSONAL PROPERTY . . . . . . . . . . . . .58

"H" CIVIL LITIGATION (DEFENDANT) . . . . . . . . . . . . . . . . . . . . .59

"H" CIVIL LITIGATION (PLAINTIFF,PLAN MEMBERS ONLY) . . . . . . . . . . . . .59

"J" GOVERNMENT PROGRAMS AND ASSISTANCE . . . . . . . . . . . . . . . . . .60

"K" INSURANCE RELATED MATTERS . . . . . . . . . . . . . . . . . . . . . . . . .61

"L" AUTOMOBILE RELATED MATTERS . . . . . . . . . . . . . . . . . . . . . . . . . .62

"M" CRIMINAL MATTERS . . . . . . . . . . . . . .62

"N" APPEALS . . . . . . . . . . . . . . . . . . . . . . . . . .63

MAXIMUM REPRESENTATION . . . . . . . . . .64

SECTION 4 EXCLUSIONS . . . . . . . . . . . . . . . . . . . . . . . . . .64

SECTION 5 PLAN RULES - DEFINITIONS . . . . . . . . . . .66

LAWYER REFERRAL SERVICE . . . . . . . . . .68

– 48 –


SECTION 1PLAN INTRODUCTION LETTER

To All Eligible Plan Members:

The Board of Trustees are pleased to provide you with adescription of the Legal benefits provided by the Labourers’International Union of North America Local 506 for legalclaims incurred on or after September 1st, 2010. Claimsincurred prior to this date will be adjudicated based on thetext in the previous plan booklet.

The booklet provides a complete description of the legalbenefits to which you and your eligible dependents areentitled, the rules governing the eligibility for the benefitsand the procedures that you should follow when making aclaim.

Be sure to read this booklet carefully so you will beacquainted with the various legal benefit provisions. ThisGroup Legal Program is designed to provide legal assistanceto you and your family. It is important that you understandthe provisions of the Plan. The Plan will not cover all ofyour legal expenses and will only cover those legal servicesprovided for in this booklet. The final determination of anyclaim, question or problem that may arise will be governedby the Trust Agreement and the Current Schedule ofBenefits which have been approved by the Board ofTrustees. These documents are available for examination atthe Fund Office.

NOTE: Claim forms may be obtained from the UnionOffice. They must be completed in entirety by the PlanMember and submitted to the Administrator along withthe ITEMIZED STATEMENT OF ACCOUNT on legalletterhead indicating the services provided, legal fees paidexcluding disbursements and taxes from the Lawyer orLaw Firm providing the legal services. Services providedby a registered paralegal are covered for M1 HighwayTraffic Act Matters only. All claims must be submittedwithin 24 months of the date of service or the date ofoffence for H.T.A. Matters.

– 49 –


Should you have any questions regarding your benefits, do not hesitate to contact the Administrator’s officeor your Local Union Office where a member of the staff willbe pleased to assist you.

Sincerely, Your Board of Trustees

Carmen Principato Tom HowellTony Do Vale Paul RicherRoly Bernardini William O’RiordanPeter Glaze Alex De Iulis

SECTION 2 - ELIGIBILITY

Plan Members of the Labourers’ International Union ofNorth America Local 506 who are employed bycontributing employers and on whose behalf contributionsto the Group Legal Benefit Plan have been received, andwho are currently eligible for benefit coverage under theLabourers’ International Union of North America Local506 Health & Welfare Benefit Plan shall be entitled tobenefit coverage in the Group Legal Program. Membersand their eligible dependents, shall continue to be eligiblefor legal benefits as long as they remain eligible for benefitsin the Labourers’ International Union of North AmericaLocal 506 Health & Welfare Benefit Plan.

Group Legal Benefit coverage is provided for PlanMembers whose Health & Welfare benefits are extended bypaying direct.

The Group Legal Plan provides coverage for all retirees whoare eligible in the Labourers’ Union Local 506 RetireeBenefit Plan and who are paying direct to maintain theirbenefits. All claims are subject to the rules applicable to thePlan of Benefits.

Termination of CoverageYour Group Legal benefits will terminate on the same datethat the Plan Member ceases to be eligible for benefits in theHealth and Welfare Benefit Plan. Legal services whichcommence following this date will be ineligible forcoverage.

– 50 –


Referrals and Claims ProceduresThe Group Legal Program has entered into agreement withcertain law firms within the jurisdictional area of your LocalUnion. These law firms are under contract to the Trust Fundto provide the legal services which are set out in your Plan.A list of these law firms is maintained at your Local UnionOffice. All Plan Members covered under the program areentitled to use any of the law firms who are under contractto provide legal services to the Fund or to use the lawyer oftheir own choice.

Should a Plan Member choose to use a lawyer who is notunder contract to provide services to the Fund, the PlanMembers should obtain a claim form from the Local UnionOffice. This form must be completed by the Plan Memberand submitted with the ITEMIZED STATEMENT OFACCOUNT on legal letterhead indicating the servicesprovided, legal fees paid excluding disbursements andtaxes from the lawyer or law firm providing the services.If an initial consultation is provided, the same is required,clearly indicating the date of service and fee charged inconnection with the initial consultation. The schedule offees which is set out in this booklet are the maximumamounts payable by the plan for the services describedherein. It is recommended that when a member uses alawyer of his own choice, that the member show the bookletto the lawyer in order that the lawyer or law firm providingthe service will be familiar with the maximum amountspayable for legal services by the Fund.

NOTE: The Fund will pay for legal services only. Alladditional charges beyond the maximum payable by thePlan or for non-legal services, disbursements, taxes,administration or filing fees are the responsibility of thePlan Member. For those services which are provided by thePlan on an hourly basis, the Board of Trustees haveestablished an hourly rate of reimbursement of $150.00 perhour for claims incurred on or after September 1st, 2010.

Group Legal benefits are a taxable benefit and Planmembers will receive a T4A for contributions made to thefund on their behalf.

– 51 –


All claims should be sent to:

GLOBAL BENEFITSATTENTION: THE DEFENDERS GROUP545 Wilson AvenueToronto, OntarioM3H 1V2

ALONG WITH A COMPLETED CLAIM FORM AND ANITEMIZED STATEMENT OF ACCOUNT ON LEGALLETTERHEAD INDICATING THE SERVICESPROVIDED, LEGAL FEES PAID EXCLUDINGDISBURSEMENTS AND TAXES FROM THE LAWYEROR LAWFIRM PROVIDING THE LEGAL SERVICES.ALL CLAIMS MUST BE SUBMITTED WITHIN 24MONTHS OF THE DATE OF SERVICE OR THE DATEOF OFFENCE FOR HIGHWAY TRAFFIC ACTMATTERS.

Changes and/or Discontinuation of the Plan:The Trustees may at any time amend, modify or suspend the Plan.

SECTION 3 - SCHEDULE OF BENEFITS

The following is a schedule of benefits for claims forlegal services incurred on or after September 1st, 2010which are covered by the Group Legal Plan and themaximum amounts payable for each service.

Unless otherwise stated, all Plan maximums are based on acalendar year. The maximum amount set out in thisschedule is the maximum amount payable for eachservice, not withstanding the fact that certainproceedings may take in excess of one calendar year tocomplete.

“A” - REAL ESTATEA Plan Member and/or their dependent spouse shall beprovided with legal assistance in connection with the sale orpurchase of a family dwelling, which is the PlanMember’s principal residence, and which shall be usedby the Plan Member’s family as a dwelling place; thepurchase of a lot on which to build a family dwelling

– 52 –


(provided a building permit is issued within l year) and thepurchase of a vacation property. Assistance in thearrangement of new or renewal of mortgage is also coveredunder the Plan insofar as they relate to the principal familyresidence. A Plan Member and/or their dependentspouse shall not be entitled to assistance in connectionwith commercial or income producing property.Maximums include 1 sale, 1 purchase, 1 mortgageincidental to purchase or 1 new or renewal of mortgage inany 12 month period. Benefits relating to the sale, purchase,mortgage (new or renewal), mortgage incidental to purchaseor discharge of mortgage on a vacation or recreationalproperty are limited to a lifetime maximum of 1 per PlanMember.

MaximumCodes AmountA1 Purchase Family Dwelling $450A2 Sale Family Dwelling $450A3 Purchase Lot for Family Dwelling $450A4 Purchase Vacation Property $450A5 Transfer of Title $250A6 Mortgage New or Renewal $300A7 Mortgage Incidental to Purchase $200A8 Discharge of Mortgage $150

NOTE: Plan Members claiming for the purchase and sale oftheir principal family residence MUST COMPLETE ANDSIGN THE REAL ESTATE AFFIDAVIT ON THEREVERSE OF THE CLAIM FORM. The maximumblock fees payable for the “Purchase or Sale of a familydwelling” A1 & A2 $450 are inclusive of the requiredTransfer of Title on the property. Code A6 Mortgage New orRenewal is only payable for mortgages unrelated to apurchase. Mortgage services provided through a bankingfacility, trust company or mortgage company mustidentify the amount of the legal fee included in theiradministration fee or disbursements in order for the PlanMember to be eligible for benefits. If the requiredinformation is not provided, a formula will be used to

– 53 –


determine the legal portion of the fees charged in order toreimburse the Plan Member. Survivorship applications willbe paid under Code A5 Transfer of Title and allowed up tothe maximum amount of $250. Title insurance is not acovered benefit.

“B” - DIVORCE AND DOMESTIC PROCEEDINGS

The Plan Member and the Spouse of the Plan Member (i.e.,the Spouse of the Plan Member in respect of whom thecontributions are being made for coverage under their Plan)shall be entitled to representation in connection with anymatrimonial or divorce proceedings. Representation of thePlan Member and Spouse shall include preparation of aseparation agreement, filing a petition of divorce orseparation and all other acts necessary for terminating therelationship, establishing the custody of the children andeffecting an equitable distribution of property. Ifproceedings are non-contested the Spouse of the PlanMember will be encouraged to seek the advice andconsultation of independent legal counsel. In the event of acontested divorce where the services exceed the limit of thePlan, the Law Firm may assess a separate fee upon priormutual agreement of the parties and the Plan will only beresponsible for the maximum allowable amounts as set outherein.

Cheques for legal services for a Plan Member’s dependent spouse in divorce or separation matters will bemailed directly to the dependent spouse or the dependentspouse’s lawyer.

Please ensure that the required address is submitted.

Under this item each Plan Member, or dependent spouse, asthe case may be, shall be entitled to representation in respect of the following:

DivorceProperty and Custody SupportSeparation AgreementsModifications

– 54 –


Adoption GuardianshipChange of NameBirth Certificate AssistancePassport Assistance

MaximumCodes AmountB1 Divorce Member $600B2 Divorce Spouse $600B3 Property and Custody Support Member $600B4 Property and Custody Support Spouse $600B5 Separation Agreement Member $600B6 Separation Agreement Spouse $600B7 Modification of

Separation Agreement $300B8 Adoption (Private) $500B9 Guardianship $400B10 Change of Name $250B11 Birth Certificate Assistance $200B12 Post or Pre-nuptual Agreement $500

NOTE: The block fees set out herein are payable only forservices provided and are not accumulative. EG: If yourlawyer prepares a separation agreement you would only beentitled to a maximum of $600. You would not be entitled toclaim for property and custody support notwithstanding, thefact that issues of property and custody are set out in theseparation agreement.

The maximum amounts set out in this section are themaximum amounts payable for each servicenotwithstanding the fact that certain proceedings may takein excess of one calendar year to complete. If a request forreimbursement pertaining to a consultation in connectionwith family matters is submitted, please ensure that thestatement of account clearly indicates the date of service,the service provided, the amount of time for the consultationand the Lawyer’s hourly rate.

– 55 –


“C” - PREVENTIVE LAW

Each Plan Member and their eligible dependents shall beentitled to receive legal advice by telephone or direct officeconsultation on any problem that the Plan Member believesto be of a legal nature.

MaximumCodes AmountC1 Preventive Law $ 300(Including Telephone Consultations)

NOTE: If a request for reimbursement pertaining to aconsultation in connection with family or criminal matters issubmitted, please ensure that the statement of accountclearly indicates the date of service, the service provided,the amount of time for the consultation and the Lawyer’shourly rate. For WSIB related matters, only the initialconsultation will be covered by your Plan of Benefits.

“D” - NON-COMPLEX LEGAL DOCUMENTS

Legal documents which are not deemed to be excessivelycomplex will be prepared for the Plan Member and theireligible dependents. This item includes but is not limited tothe following:

Powers of AttorneyDeedsSimple ContractsLeasesNotarized Affidavits (Excluding fees for thecompletion of a passport application)

MaximumCodes AmountD1 Power of Attorney - Personal Care $ 50D10 Power of Attorney - Property $ 50D2 Deeds $100D3 Simple Contracts $200

– 56 –


D4 Tenant Leases (Residential) $150D5 Notarized Affidavits or Documents $ 25D6 Other legal documents $200

“E” - WILLS AND ESTATES

Plan Members and/or their spouses shall be entitled to haveprepared what is commonly regarded as a Simple Will (i.e. aWill which does not include the creation of any trust or otherestate). A Plan Member and/or their spouse shall, for theduration of membership in the Plan, be entitled to the periodicreview and amendment of all testamentary instruments,including the preparation of revised Wills and Codicils not toexceed one revision in any 12 consecutive months.

MaximumCodes AmountE1 Simple Will Member $100E2 Simple Will Spouse $100E3 Revised Will or Codicil Member $ 75E4 Revised Will or Codicil Spouse $ 75

“F” - LANDLORD AND TENANT MATTERS

A Plan Member as Lessee, shall be represented in connection with any claims or controversies arising out of atenant lessor-lessee relationship in respect of theirapartment or dwelling. Proceedings in which the PlanMember and/or their eligible dependents, is the landlordwill not be a covered benefit under this Plan.

MaximumCodes AmountF1 Leases/Tenancy $500

– 57 –


“G” - CONSUMER AND PERSONAL PROPERTY LAW

A Plan Member and their eligible dependents shall beentitled to legal representation in connection with any claimagainst a manufacturer, distributor or retailer for defects inany merchandise, article or service or in a recovery on anywarranty given in connection with the sale of merchandise,article or service, where such claim is in excess of $100.00.The Plan shall not be obliged to litigate under code H2 onany claim unless the dollar value exceeds $300.00.

Subject to the above limitation, the Plan may provide legalservices to a Plan Member and their eligible dependents inconnection with the following:

Contracts/WarrantyConsumer Protection ActPersonal Bankruptcy — Voluntary petition

not involving any business — includingthe fees of a Trustee in bankruptcy

Garnishment of WagesTax advice, excluding preparation

of tax returnsPersonal LiensRepresentation in Small Claims Court

MaximumCodes AmountG1 Contracts/Warranty $400G2 Consumer Protection Act $400G3 Bankruptcy (Personal) $500G4 Garnishment of Wages $300G5 Tax Advice $250G6 Liens (Personal) $250G7 Small Claims Court $500

NOTE: When requesting reimbursement for a bankruptcy,the Bankrupt must be discharged prior to submitting theclaim. A Form 13 - Trustees Statement of Receipts and

– 58 –


Disbursements must be submitted in order for the PlanMember to be reimbursed for his Trustee’s fees.

“H” - CIVIL LITIGATION (Defendant)

A Plan Member and their eligible dependents shall berepresented in connection with any civil action or civiladministrative proceeding in which the Plan member,Spouse or Dependent is named as a defendant or respondentprovided that such representation shall not exceed twenty(20) hours in a calendar year. The Plan shall be under noduty to provide legal representation to a Plan Member ortheir eligible dependents where representation is providedfor under statutory programs.

Plan Members shall be required to pay any disbursements inconnection with such defensive litigation including the costsof discovery, witness fees, etc.

“H” - CIVIL LITIGATION (Plaintiff, Plan Member Only)

Only the Plan Member shall be represented in connection with the filing of a civil or administrative actionfor and on behalf of the Plan Member in connection with any material injury to person or propertyfor the deprivation or injury of any constitutionally orstatutorily guaranteed right, any right conferred at commonlaw or for the adjustment of any grievance both recognizableand actionable in either law or equity.

No representation shall be available under this item for anyaction that is either non-meritorious, calculated to bevexatious only, or a non-material or non-consequentialnature or would be contrary to public policy.

In the event any damages are recovered or some form ofmonetary claim effected, the first $4,000.00 excludingdamages for property replacement and/or medical expensesof any such recovery shall be free of any assessment by thePlan for legal costs expended on the Plan Member’s behalf.If the monetary settlement is in excess of the $4,000.00, thePlan Member is not entitled to reimbursement under thePlan of Benefits. The Plan shall be entitled to recover any

– 59 –


legal costs expended on behalf of the Plan Member fromcosts awarded by the court and from any monetarysettlement in excess of $4,000.00. Please see the exclusionsto the Plan on page 64.

MaximumCodes AmountH1 Defendant Representation 20 Hours @ $150/hrH2 Plaintiff Representation 20 Hours @ $150/hr

“J” - GOVERNMENT PROGRAMS AND ASSISTANCE

Social AssistanceUnemployment Insurance CommissionImmigration (Plan Member and Dependent Spouse only)

A Plan Member and/or his spouse shall be entitled to legalrepresentation on behalf of themselves or their eligibledependents in any matter requiring legal assistance arisingout of disputes or appeals with Social Assistance orEmployment Insurance.

A Plan Member and/or his spouse shall be entitled to legalrepresentation in matters of immigration into or out ofCanada on behalf of himself or his dependents, or on behalfof any other relative who the Member and/or his spouse hasdirectly sponsored into Canada.

Immigration Consultants and Paralegals are not covered.

MaximumCodes AmountJ1 Social Assistance $150J2 Employment Insurance Commission $150J3 Immigration Member $600J4 Immigration Spouse $600

– 60 –


NOTE: The maximum amounts set out in this section arethe maximum amounts payable for each servicenotwithstanding the fact that certain proceedings may takein excess of one calendar year to complete.

“K” - INSURANCE RELATED MATTERS

Plan Members and their eligible dependents shall berepresented in connection with any claim against their insurer (except for benefits provided by the Labourers’ International Union of North AmericaLocal 506 Benefit Trusts or benefits provided by acontributing employer to this Group Legal Benefit Plan)by reason of failure to provide or pay the benefits ascontracted for or to render advice in the interpretation of anypolicy provision. Included, but not limited to, are thefollowing forms of insurance to which this item isaddressed:

Accident and HealthLife and AnnuityFire and HomeownersCasualtyAutomobile LiabilityMarine

In the event it is necessary to litigate any claim against aninsurance carrier, the conditions set forth in item “H”hereinbefore shall apply.

MaximumCodes AmountK1 Accident and Health $300K2 Life and Annuity $300K3 Fire and Homeowners $300K4 Casualty $300K5 Automobile Liability $300K6 Marine $300K7 Other $300

– 61 –


“L” - AUTOMOBILE RELATED MATTERS

Plan Members and their eligible dependents shall berepresented in connection with the following automobilerelated events:

Actions relating to the suspension/revocationof driver’s license

Damage and personal injuryUninsured Motorist

Parking violations are excluded from coverage under thisitem.

Litigation under this item is subject to the limitations setforth in Item “H”.

MaximumCodes AmountL1 Civil Actions (Re: Auto Accident) $500L2 Damage and Personal Injury $500L3 Uninsured Motorist $400

“M” - CRIMINAL MATTERS (Limited)

Plan Members and their eligible dependents shall be entitledto limited legal representation when charged underProvincial or Federal Statutes of the following:

Summary Conviction MattersIndictable and Hybrid OffensesImpaired Driving/Driving over (0.8 mg)

Representation for driving while impaired or driving over0.8 mg is limited to one charge in any calendar year andlifetime maximum of 2 charges.

Services provided by a registered paralegal are covered for M1 Highway Traffic Act matters ONLY. The Plan will only pay up to the M1 maximum block fee forrepresentation on all charges arising out of a single incident.A copy of the Highway Traffic Act ticket mustaccompany all claims for Highway Traffic Act matters.

– 62 –


Parking violations are excluded from coverage under thisitem. Please ensure that you are eligible on the date of theoffence.

MaximumCodes AmountM1 Highway Traffic Act $300M2 Provincial Offenses Act or

Offenses under Municipal Bylaws $500M3 Criminal Code of Canada $700M4 Criminal Pardons $600

NOTE: Plan Members and their dependents shall beentitled to legal or administrative cost for services providedby Pardons Canada for the processing of an application toremove a criminal record and complete an application forpardon.

In the event that several charges are laid arising out of asingle incident pertaining to Criminal Matters, the Plan willonly allow reimbursement up to the Plan maximum. If arequest for reimbursement pertaining to a consultation inconnection with Criminal Matters is submitted, pleaseensure that the statement of account clearly indicates thedate of service, the service provided, the amount of time forthe consultation and the Lawyer’s hourly rate. For allcriminal matters, the charges must appear on the statementof account.

The maximum amount set out in this schedule is themaximum amount payable for each service, notwithstanding the fact that certain proceedings may takein excess of one calendar year to complete.

“N” - APPEALS

Plan Members and their eligible dependents shall be entitledto legal representation on appeal. The Plan shall pay amaximum of 50% of the legal fees up to $1,000 on anappeal. Appeals are limited to one appeal only on anydecision of the Court or any conviction arising out of thesame incident or charge.

– 63 –


MaximumCodes AmountN1 Appeals 50% to $1,000

MAXIMUM REPRESENTATION

The maximum representation that a Plan Member and theireligible dependents shall receive, shall not exceed 30 hoursof legal service in a calendar year.

LEGAL SERVICES INEXCESS OF PLAN MAXIMUM

In the event that legal services are to be provided by a lawfirm which is under contract to the Group Legal Program asa service provider, and where the legal cost will exceed themaximum amount payable by the Plan, then such law firmshall to the best of their ability inform the Plan Member ofthe additional legal costs which are to be paid by the PlanMember prior to commencing the service.

SECTION 4 - EXCLUSIONS

The following services are excluded from coverage underthe Plan:

1. Disbursements, court costs, filing fees, land transfertaxes, administration fees, registration fees,including mortgage registration fees, G.S.T., titleinsurance and finger printing fees.

2. Title searches and survey fees.

3. Fines and penalties, whether civil or criminal.

4. Any judgement for damages, including judicially awarded costs.

5. Any proceedings or dispute involving an Employeror their officers, agents, representatives oremployees.

6. Any proceedings or dispute involving the Union, itsofficers, agents, representatives or employees.

– 64 –


7. Any proceedings arising under the Ontario LabourRelations Act or any other statute that relates tolabour relations or terms and conditions ofemployment, including but not limited to W.S.I.B.,Employment Insurance, the Occupational Healthand Safety Act or the Ontario Human Rights Code inmatters involving an Employer.

8. Any dispute involving the Plan, the Plan of Benefitsor any other Plan or Trust Fund provided by a Contributing Employer to this Plan of benefits or the Labourers’International Union of North America Local 506 Benefit Trusts.

9. Matters involving election to any public office.

10. Non-personal legal services (e.g. any businessrelated matters).

11. Any controversy between a Member and his Spouseor any of his Dependents apart from divorce,separation or annulment.

12. No service shall be provided that will violate Publicor Statutory Law.

13. Any case in which defense or other legal representations is provided through insurance orother indemnification.

14. Action instituted prior to becoming a Plan Memberor civil actions requested to file arising out of pre-existing conditions. Exceptions may be waived bythe Board of Trustees.

15. Class actions or interventions or amicus curiaefilings in any suite or controversy among otherparties not involving the immediate and directinterest of a Plan Member.

16. Any case in which defense or other legal representation is provided through any governmentagency, which will represent a Plan Member withoutcharge.

17. Any representation required by reason of any actscommitted or acts which a Plan Member omitted toperform giving rise to tort, negligence, or criminal

– 65 –


claims, or charges, which acts of omission occurredprior to a Plan Member joining the Plan.

18. Court appearance in connection with small claimsinvolving an amount less than $300.00.

19. Services rendered by a registered Paralegal exceptfor services rendered with respect to offenses underthe Highway Traffic Act.

20. Stale dated claims which were incurred over 24months prior to their submission.

INTERPRETATION — The Trustees shall be exclusively responsible for the interpretation and application of this Plan, the determination of all questionspertaining to eligibility and entitlement to benefit.

SECTION 5 - PLAN RULES

DEFINITIONS“Benefits” means payment of a monetary sum to or onbehalf of a Plan Member for legal fees incurred by the PlanMember or their eligible dependents in obtaining LegalServices for matters covered by the Plan.

“Covered Individual” means a Plan Member, his or herspouse and eligible dependents.

“Dependents” means any person with the followingrelationship to the Plan Member:

(l) Spouse.

(2) Plan member’s unmarried children (includingadopted and/or step children) under 21 years of agewho are wholly dependent on the Plan Member forsupport;

(3) Plan member’s unmarried children (includingadopted and/or step children) up to age 25, who arefull time students at a University or similareducational institution and depend wholly on thePlan Member for support.

“Legal Services” means representation or advice from a

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qualified legal practitioner with respect to those matters listed in the Schedule of Benefits.

“Plan Member” means a member of the Labourers’International Union of North America Local 506 who isemployed by a Contributing Employer and who is eligible toreceive benefits under the Plan.

“Plan” means the Labourers’ International Union ofNorth America Local 506 Group Legal Benefit Plan.

“Spouse” means an individual who: * is married to the PlanMember through an ecclesiastical or civil ceremony; or,

* although not legally married to the Plan Member, cohabitswith him/her for at least one year in a spousal relationshiprecognized as such in the community in which he/sheresides.

“Trust Agreement” means the Agreement between theEmployers and the Union pursuant to which the Trust Fundwas established.

“Trust Fund” means the Labourers’ International Unionof North America Local 506 Group Legal Benefit Trust,established pursuant to the Trust Agreement.

Capitalized terms used in this Legal Benefit Plan but notdefined above shall have the meanings given to those termsin the Trust Agreement.

America Local 506 Group Legal Benefit Plan.“Spouse” means an individual who: * is married to thePlan Member through an ecclesiastical or civilceremony; or,* although not legally married to the Plan Member,cohabits with him/her for at least one year in a spousalrelationship recognized as such in the community inwhich he/she resides.“Trust Agreement” means the Agreement between theEmployers and the Union pursuant to which the TrustFund was established.“Trust Fund” means the Labourers’ InternationalUnion of North America Local 506 Group Legal

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Benefit Trust, established pursuant to the TrustAgreement.Capitalized terms used in this Legal Benefit Plan but notdefined above shall have the meanings given to thoseterms in the Trust Agreement.

THE LAW SOCIETY OF UPPER CANADALAWYER REFERRAL SERVICE

The Lawyer Referral Service on the Law Society ofUpper Canada Website (www.lsuc.on.ca) provides up tothree referrals per call of Lawyers in yoursurrounding area.

To contact them please call:

Toll-free: (1800) 268-8326(416) 947-3330

Email: [email protected]

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ADMINISTRATOR, CONSULTANTS AND ACTUARIES

545 Wilson AvenueToronto, Ontario

M3H 1V2

Telephone: (416) 635-6000

GROUP INSURANCE BENEFITSUNDERWRITTEN BY

THE GREAT-WEST LIFEASSURANCE COMPANY

GROUP BENEFIT PLAN - Local 506

Documents

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