GROUP INSURANCE PLAN FOR EMPLOYEES AND RETIREES OF DESJARDINS GROUP

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1 GROUP INSURANCE PLAN FOR EMPLOYEES AND RETIREES OF DESJARDINS GROUP Quick Reference Guide for Employees The Desjardins Group Plans Website lets employees make changes, as needed, to their group insurance coverage themselves. The site also contains a great deal of information about the group insurance plan, as well as all the administrative forms you may need. Accessing the Group Plans Website. Enter the site address: This will take you to the homepage.

2 2 Summary of YOUR GROUP INSURANCE PLAN Plan eligibility: Regular employees must work a minimum of 10 hours a week. Temporary employees must have a firm 1-year contract (35 hours/week) or have worked for one year (35 hours/week) without interruption at one or more Desjardins employers. Premium splitting The Fédération des caisses Desjardins du Québec Board of Directors recommends that employers assume of premiums for all plan coverage, taking into consideration the The Comprehensive option of the health portion, except for additional life insurance and additional critical illness coverage, where the employee assumes the entire premium. LIFE COMPONENT Life Insurance and Accidental Death and Dismemberment (AD&D) Basic insurance for employees - Basic Life Insurance: 1 or 2 x salary (choice), minimum $13,500 - In case of accidental death: equal to the selected multiple of basic life - Accidental dismemberment: percentage of the amount of insurance based on the dismemberment Optional coverage Employee Spouse Per child SPOUSE AND CHILDREN S LIFE INSURANCE $13,500 $5,400 ADDITIONAL LIFE 1 to 4 X salary (1) ½ to 4 X salary (1) ADDITIONAL AD&D - ACCIDENTAL DEATH Amount equal to additional life insurance Amount equal to additional life insurance - ACCIDENTAL DISMEMBERMENT % determined based on dismemberment % determined based on dismemberment (1) Minimum coverage amount of $13,500 Critical Illness coverage Lump-sum amount payable if the illness occurs for the first time The coverage terminates on payment of the benefit Payment of the benefit is subject to certain conditions that may vary based on the illness Employee Spouse Per child BASIC (without evidence of insurability) $10,000 ADDITIONAL (with evidence of insurability, except for children) - MINIMUM - MAXIMUM - COVERED ILLNESSES 2 X employee s salary 2 X employee s salary Stroke, loss of speech, severe burns, cancer, blindness, coma, heart attack, muscular dystrophy, vital organ transplant, HIV infection, kidney failure, Alzheimer s disease, Parkinson s disease, paralysis of two limbs, loss of two limbs, coronary artery bypass, multiple sclerosis, deafness Illnesses covered for adults plus: mental deficiency, cystic fibrosis, congenital heart disease, cerebral palsy, spina bifida, trisomy

3 3 HEALTH COMPONENT The individual situations of each employee, his spouse and their dependent children determine their needs, which can change over time. That s why there are four options available to you. Each option corresponds to a usage profile that includes a package of health care services that correspond to the profile. You must choose one of these four options for your health care insurance coverage. The option will apply to you, your spouse and your dependent children, as the case may be (individual, couple, family or single-parent coverage). The premiums payable depend on the range of health care services included in the option selected. The health care options are: COM P R EHENS IVE COM PREH ENS IVE+ ENH A N CED Temporary employees are eligible for the option only. Rules for changing the health care option You may change to a more generous option at any time unless you are disabled. You may not change to a less generous option unless you have kept an option for at least three years. If a choice is not made in the 45 days following the date you became eligible, you will be automatically assigned the following coverages with retroactive premiums: Basic life: 2 times salary with AD&D Basic Critical illness Individual coverage under the Preventive option Short-term and long-term disability The employee can then make the changes he wants in accordance with the terms and conditions of the plan in effect on the date of the change. N O TE ABOUT R ETIREMENT Your choice of coverage type has an impact on the type you will have at retirement. For a retiree to be entitled to the family, couple, or single-parent coverage, he must have held that coverage type for at least 5 of the last 10 years or from the time he acquired dependents and, of course, must be eligible for the coverages at retirement. Every option forms a whole and cannot be partitioned. For more information on eligible care, consult the policy on the Website under Information on the Plan. All amounts indicated are calculated on an annual basis unless otherwise stipulated. Drug Insurance + 75% up to RGAMQ (1) thereafter up to RGAMQ (1) thereafter up to RGAMQ (1) thereafter 90% up to RGAMQ (1) thereafter ELIGIBLE EXPENSES Drugs on the RGAMQ (1) list only Drugs on the RGAMQ (1) list only Drugs requiring a prescription Drugs requiring a prescription VACCINES Max. $50 per vaccine (1) RGAMQ: Quebec general prescription drug insurance plan (public plan)

4 4 Extended Health Care Insurance (Hospital, ambulance, paramedical care and travel insurance) + L ENRICHI ELIGIBLE EXPENSES - TRANSPORTATION BY AMBULANCE (1) - PARAMEDICAL CARE (2) - SHORT-TERM HOSPITALIZATION (1) 75% Semi-private room (reimbursed at ) $45 individual $60 other Paramedical A - eligible max. of $60 per visit - annual max.: $400 for individual coverage and $800 for other Semi-private room (reimbursed at ) $45 individual $60 other Nursing care (eligible maximum of $3,000) Paramedical A + B - eligible max. of $60 per visit - annual max.: $400 for individual coverage and $800 for other (B combined maximum) Prosthesis, wheelchair, therapeutic equipment, etc. Semi-private room (reimbursed at ) $45 individual $60 other 90% Paramedical A + B + C - eligible max. of $60 per visit - annual max.: $800 for individual coverage and $1,600 for other (B + C combined maximum) Semi-private room at + of extra cost for private room - LONG-TERM HOSPITALIZATION (1) - TRAVEL INSURANCE (1) Reimbursed at Reimbursed at Reimbursed at Reimbursed at - LAB FEES (1) Expenses not subject to the deductible (2) Paramedical A (maximum per specialist): Physiotherapist, rehabilitation therapist, occupational therapist, speech, hearing and vision therapist, podiatrist Paramedical B (maximum for all specialists): Chiropractor, osteopath Paramedical C (maximum for all specialists including B): Naturopath, acupuncturist, homeopath, homeopathic medication, massage therapist, orthotherapist, dietician, nutritionist Employee Assistance Program + Program Program Programs Program - VIA ASSISTANCE SERVICE - DIRECT APPROACH with max. with max. with max. with max.

5 5 Vision Care + 75% 90% ELIGIBLE EXPENSES - EYE EXAM - GLASSES OR CONTACT LENSES Max. $250/24 months - LASER SURGERY Lifetime max. $250/eye Dental Care + CARE - EXAMS 1 exam/year 1 exam/year 2 exams/year 2 exams/year - - EXTENDED CARE AND PROSTHESES - $75 $75 $75 - Extended care 60% Prostheses 50% - ANNUAL MAXIMUM $1,200 $1,500 $2,000 ORTHODONTIC CARE % - LIFETIME MAXIMUM $1,500 Health Spending Account + IND./COUPLE OR SINGLE-PARENT/FAMILY $400/$600/$800 $400/$600/$800 YOUR SALARY Short-Term Disability Insurance First 2 weeks: covered by the employer Next 12 weeks: 85% of salary Next 12 weeks: of salary Long-Term Disability Insurance As of the 27th week of total disability 70% of salary Indexation according to Consumer Price Index (CPI) up to a maximum of 1% for 10-year period Benefits terminate by age 62 at the latest Only regular employees are eligible for the coverage

6 6 You want to consult your group insurance file or make a change to your file? Life Component > Reduce or increase your life insurance > Change your or your spouse s smoking status Health Care Component > Change your health care option > Change your coverage type Leave (maternity, parental, unpaid) > Change your insurance during leave To make changes, you must log onto the secure group insurance site, under I want to, under the appropriate section. You want information about? > Direct deposit and electronic notice service To get this information, you must log onto the secure group insurance site, go to the group insurance site, under I want information. You want information about? > Forms > Summary or detailled description of the group insurance plan > Communiqués issued since September 2002 > The impact of various life events on your two group plans To get this information, you must go to Group Plans site under the appropriate section. For complete and detailed information Go to the Desjardins Group Group Plans site at Group insurance fo employees and retirees of the Desjardins Group By phone: (418) or mygroupinsurance@dfs.ca For navigation problems, call E (12-16) Plan in effect as of January 1, Committed to sustainable development, Desjardins Group favours the use of paper that is manufactured in Canada in accordance with recognized environmenta standards.