Group Benefits for Part Time and Casual Hospital Employees and all Hospital Retirees Health Care Providers Group Insurance Plan

HISTORY 1995: Research and development with the employees of Oshawa General Hospital (now Lakeridge Health Oshawa) : Working to find partner insurance carriers 1997: Health Care Providers officially launched

ENDORSING HOSPITALS Bluewater Health Chatham-Kent Health Alliance Georgian Bay General Hospital Guelph General Hospital Hamilton Health Sciences Holland Bloorview Kids Rehab Humber River Regional Hospital Kingston General Hospital Lady Dunn Health Centre Lakeridge Health Corporation Mount Sinai Hospital Niagara Health System Notre Dame Hospital Quinte Health Care

Atikokan Hospital Credit Valley Hospital Grand River Hospital Hanover and District Hospital Markham Stouffville Hospital Middlesex Hospital Alliance Providence Healthcare Royal Victoria Hospital Ross Memorial Hospital St. Joseph’s Health Centre St. Mar’s General Hospital Toronto Rehabilitation Institute Toronto Grace Hospital West Park Healthcare Centre ENDORSING HOSPITALS

Rouge Valley Health System Southlake Regional Hospital St. Joseph’s Healthcare Hamilton Sunnybrook Health Sciences Centre Tillsonburg District Memorial Hospital Toronto East General Trillium Health Centre West Nipissing General Hospital William Osler Health Centre Woodstock General Hospital And many more… ENDORSING HOSPITALS

THE TEAM Our Partners Our Associates

ELIGIBILITY I WORK... I AM… UNDER 65OVER OR MORE HOURS/WEEK Plan 1 (certain conditions apply for Plan 1A ) Plan 65+ LESS THAN 18 HOURS/WEEKPlan 2Plan 65+ I’M RETIREDPlan 2Plan 65+ Booklet Pg. 2

IN LIEU OF BENEFITS Enrolling in the Health Care Providers will not in any way affect your in lieu of benefits payment

PORTABILITY AND FLEXIBILITY Move from one hospital to another, anywhere in Canada and keep your coverage Transferring to a Full Time position, coverage continues until the new coverage is in place Move from Plan 1 to Plan 2 and vice versa as your employment status and/or hours change

CONTINUATION OF COVERAGE * Employee group life insurance and employee & spousal optional life can be converted to individual plans (no medical if within 31 days) * Your group disability insurance will cease * Your Extended Health Care Package (drugs, travel, dental etc.) can be continued under Plan 2 IF YOU LEAVE YOUR EMPLOYMENT OR RETIRE… WHEN YOU TURN 65… * If Full Time benefit coverage through the hospital ceases, guaranteed coverage options are available with HCP * If already enrolled in the plan, an automatic transfer to a 65+ Plan is processed, no medical required

GUARANTEED COVERAGE Booklet Pg. 3

PLAN 1

PLAN 1A Offered exclusively to those applicants already covered for extended health care benefits through a spouse’s plan or another group plan. CORE COVERAGE ONLY

CORE BENEFITS UNDER PLAN 1 LIFE INSURANCE: $10,000 for the Employee ACCIDENTAL DEATH, DISEASE AND DISMEMBERMENT: $25,000 for the Employee LONG TERM DISABILITY: $ 1,000 monthly benefit for the Employee when unable to work due to illness or injury

LTD AND EI EI Waiting Period 2 weeks EI Coverage Period 15 weeks HCP Coverage Period up to age 65 Health Care Providers’ Long Term Disability benefit works in conjunction with Employment Insurance. EI Benefit: 55% of gross annual income up to a specified maximum which is adjusted annually to YMPE HCP Benefit: $1,000/month up to a maximum of $5,000 OR 65% of the gross annual salary, whichever is less

PLAN 1 – OPTIONAL COVERAGE Optional Employee Life Insurance To a maximum of $500,000 Optional Employee Long Term Disability To a maximum of $5,000 OR 65% of gross annual salary, whichever is less Optional Spousal Life Insurance To a maximum of $500,000 Optional Child Life Insurance To a maximum of $50,000

Booklet Form 4 OPTIONAL COVERAGE WORKSHEET

PLAN 2

PLAN 1 and 2: Extended Health Care Coverage MAXIMUMS: No lifetime maximum. Annual maximums where applicable DEDUCTIBLE: No deductible. NOTE: Maximums stated are per benefit year, unless otherwise specified and apply to each employee and insured dependent. Booklet Pg. 4

PLAN 65+

MAXIMUMS: No lifetime maximum. Annual maximums where applicable DEDUCTIBLE: No deductible. NOTE: Maximums stated are per benefit year, unless otherwise specified and apply to each employee and insured dependent. PLAN 65+: Extended Health Care Coverage Booklet Pg. 5

DENTAL CARE Basic Eligible Dental Services Recall examinations once every 9 months Fillings, cleanings, scalings, examinations and polishing Root canal therapy Diseased bones and gums therapy Standard denture services Surgical services General anesthetic Major Restorative Services (Enhanced ONLY) Crowns Caps Bridges Repair Booklet Pg. 6

PLAN 1: RATES Booklet Pg. 12

PLAN 1A: RATE Booklet Pg. 12

PLAN 2: RATES PLAN 2 (Under 18 hours) Essential / Complete / Optimum Health Care (rates apply to all levels*) Health Care with Drugs Health Care with drugs PLUS Basic Dental Health Care with drugs PLUS Enhanced Dental Single $95.65$141.53$ Couple$185.62$267.99$ Family$225.83$353.46$ Booklet Pg. 12

PLAN 65+: RATES Booklet Pg. 12

MAKING AN APPLICATION Form 1 – HCP Group Enrolment Form Form 2 – HCP Statement of Health

PAYMENT INSTRUCTIONS Deposit Cheque First Month’s Premium DATED: date of application AMOUNT: equal to the monthly premium of the plan for which an application is being made DATED: 1 st of the month in which coverage will begin AMOUNT: monthly premium indicated in the premium guide All cheques made payable to HCP Group Insurance Plan Booklet Pg. 11

MONTHLY WITHDRAWALS August 2012 SunMonTueWedThuFriSat Premiums are paid on a monthly basis, by automatic withdrawal from the bank account of the plan member’s choice. Each HCP monthly withdrawal takes place on one of the plan member’s Hospital Pay Days per month. A calendar for each endorsing hospital site can be found at Click on Endorsing Hospitals next to the “Search” feature on the top of the home page.

HCP ONLINE

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