The Insurance Plans for Unionized Employees may be viewed in two ways:

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Foreword

The benefits in this booklet are intended for the use of NAV CANADA unionized employees. The purpose of this booklet is to describe the insurance plans available to unionized employees, as follows:

• Basic Life Insurance
  
  
• Long-term Disability Insurance
  
  
• Health Care
  
  
• Dental Plan
  
  
• Business Travel Accidental Death and Dismemberment

You are encouraged to read the contents of this booklet carefully. You should keep in mind that periodic changes are made to the insurance plans, which may include changes to benefits and to monthly premium rates. These changes will be announced on each occasion through the Pensions, Benefits, and Employee Health Programs Department. You are advised to keep a record of any announced changes, for reference, until this booklet is revised.

This booklet is intended for information purposes only, and describes the provisions of the insurance plans in general terms. The complete terms and conditions of the insurance plans are set out in the relevant Contract.
In case of conflict between this booklet and the relevant Contract, the terms of the Contract shall prevail.
Throughout this booklet, words importing the masculine gender include the feminine gender.

The Employer share of life insurance premiums is a taxable benefit under the Income Tax Act. The Employer share of Health Care Plan and Dental Care Plan premiums is a taxable benefit for all Québec residents. The applicable provincial sales tax is added to benefit premiums in the provinces of Ontario and Québec.

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Introduction

The insurance plans for unionized employees are private plans provided by NAV CANADA.

NAV CANADA has appointed Sun Life Assurance Company of Canada (Sun Life) as its agent to review and pay claims and provide administrative services for health and dental care expenses. Such benefits are not insured by Sun Life but remain the responsibility of NAV CANADA.

The Great-West Life Assurance Company insures Life Insurance and Long-term Disability (LTD) benefits.
Business Travel Accidental Death and Dismemberment benefits are insured by CIGNA Life Insurance Company of Canada.

Any policy questions you may have regarding the insurance plans can be directed to the Pensions, Benefits,
and Employee Health Programs Department. Questions regarding payroll premium deductions, eligibility and
coverage dates, application procedures, or claims procedures can be directed to your pay specialist.

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Section 1: Basic Life Insurance Click here to download 1.1 Eligibility and Effective Date of Coverage 1.2 Coverage 1.3 Premiums 1.4 Extension of Coverage During Leave 1.5 Termination of Coverage 1.6 Beneficiaries 1.7 Claims Procedures 1.7.1 Payment of Benefits 1.7.2 Claims Submission

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Section 2: Long-Term Disability Click here to download 2.1 Eligibility and Effective Date of Coverage 2.2 Coverage 2.2.1 General 2.2.2 Amount of Benefit 2.2.3 Other Disability Income 2.2.4 Example of LTD Monthly Benefit Calculation 2.2.5 Earnings from Rehabilitation Plan 2.2.6 Income Tax 2.2.7 Recurrence of Disability 2.3 Premiums 2.3.1 Amount of Premiums 2.3.2 Waiver of Premium 2.4 Extension of Coverage During Leave 2.5 Termination of Coverage 2.6 Claims Procedures 2.6.1 Claims Submission 2.6.2 Payment of Claims 2.6.3 Claims Appeal Process

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Section 3: Health Care Plan Click here to download 3.1 Eligibility and Effective Date of Coverage 3.1.1 Employee Eligibility 3.1.2 Dependants’ Eligibility 3.1.3 Benefits Card 3.2 Coverage 3.2.1 General 3.2.2 Description of Benefits 3.2.2.1 Extended Health Care Benefit 3.2.2.2 Basic Health Care Benefit 3.2.2.3 Hospital Expense (Outside Canada) Benefit 3.2.2.4 Hospital Benefit 3.3 Premiums 3.4 Extension of Coverage During Leave 3.5 Termination of Coverage 3.6 Claims Procedures 3.6.1 Co-ordination of Benefits 3.6.1.1 Claims to Provincial Programs 3.6.1.2 Claims to Other Plans 3.6.2 Submission of Claims 3.6.3 Time Restriction 3.6.4 Payment of Claims 3.6.5 Claims Offices 3.6.6 Claims Appeal Process Appendix A: Table of Health Care Maximum Eligible Expenses Appendix B: Health Care Exclusions and Limitations Appendix C: Glossary

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Section 4: Dental Plan Click here to download 4.1 Eligibility and Effective Date of Coverage 4.1.1 Employee Eligibility 4.1.2 Dependants’ Eligibility 4.1.3 Benefits Card 4.2 Coverage 4.2.1 Co-insurance 4.2.2 Fee Guides 4.2.2.1 Canadian Residents 4.2.2.2 Residents Outside Canada 4.2.3 Limitations on Reimbursement 4.2.3.1 Maximum Reimbursement for Dental Services 4.2.3.2 Deductible Amount 4.2.3.3 Pre-determination of Benefits 4.3 Premiums 4.4 Extension of Coverage During Leave 4.5 Termination of Coverage 4.5.1 General 4.5.2 Exceptions 4.6 Claims Procedures 4.6.1 Co-ordination of Benefits 4.6.2 Submission of Claims 4.6.3 Time Restriction 4.6.4 Payment of Claims 4.6.5 Claims Offices 4.6.6 Claims Appeal Process Appendix A: Eligible Dental Care Services Appendix B: Dental Care Exclusions and Limitations

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Section 5: Business Travel Accidental Death and Dismemberment Insurance Click here to download 5.1 Eligibility and Effective Date of Coverage 5.1.1 Employee Eligibility 5.1.2 Dependants’ Eligibility 5.2 Coverage 5.2.1 General 5.2.2 Benefit Amounts 5.2.3 Schedule of Losses 5.2.4 Emergency Medical Reimbursement Expense (Applicable to Employees Only) 5.2.4.1 Eligible Expenses 5.2.4.2 Exclusions 5.2.5 Emergency Evacuation Benefit 5.2.6 Repatriation Benefit 5.2.7 Family Transportation Benefit 5.2.8 Home Alteration and Vehicle Modification 5.2.9 Seat Belt Benefit 5.2.10 Special Education Benefit 5.3 Exclusions 5.4 Exposure and Disappearance 5.5 Termination of Coverage 5.6 Claims Procedure

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