Your SNC-Lavalin Employee Benefits Program. May User guide

Transcription

1 Your SNC-Lavalin Employee Benefits Program May 2017 User guide

2 Your employee benefits program with Sun Life Financial is intended to provide you with access to practical tools and information that will help you invest better, save better and stay better. This guide shares information to get you familiar with using Sun Life Financial s services to manage your employee benefits program. This guide is intended for Canadian employees of SNC-Lavalin, SNC-Lavalin Operations & Maintenance, Candu Energy and Kentz. 2 SNC-Lavalin Employee Benefits Program - User guide

3 Inside this guide Click on the section title to go directly to this section. How to connect with Sun Life 4 mysunlife.ca/snclavalin 5 my Sun Life Mobile App 8 Your group insurance program 9 How to enrol 9 How to designate a beneficiary 10 Check your coverage 10 Making claims 14 Overage dependents 17 Re-enrolment 18 Life event changes 18 Sun Life Financial is here for you 19 Wellness centre 19 Plan member communications 19 Choices plans designed to go where you go! 20 Definitions 20 Your retirement and savings program 21 my financial centre 21 How to enrol in new plans 22 How to use the Asset allocation tool 24 Need help making your investment decisions? 25 How to access investment information 25 How to update your investment selections 26 How to update your contribution rates and make lump-sum contributions online 27 How to view your transaction history and make lump-sum contributions on my Sun Life Mobile 28 How to use the Retirement planner 29 How to update your beneficiary information 29 How to access your account statement 30 How to print copies of your tax receipts 30 The screen shots provided in this document are for illustrative purposes only. They may not exactly represent your actual online experience. 3

4 How to connect with Sun Life With your employee benefits program with Sun Life Financial, you ll enjoy having easy access and one-stop support, online or by calling one toll-free telephone number. One phone number You can use either the Automated Telephone System, 24-hours a day, 7-days a week, to complete inquiries and transactions or speak to a Customer Care Centre representative any business day between 8 a.m. and 8 p.m. ET to answer all your questions regarding your group insurance and retirement and savings programs. For the retirement and savings program, you can also contact a licensed Investment Advice Specialist for one-on-one investment advice, through Sun Life s my investment advice program. See page 25 for more details on this service, which is included as part of your overall plan offering. One website - mysunlife.ca/snclavalin Once your online account is set up, you have easy access to the tools, services and information you need to manage your employee benefits program online, in one convenient place. Once you ve signed in to mysunlife.ca/snclavalin, you can securely message Sun Life Financial by clicking the envelope in the top right-hand corner of the navigation bar and completing the contact form. One app - my Sun Life Mobile You can use the app to view your retirement and savings plan account balances, make lump-sum contributions to eligible accounts, view your transaction history, access helpful tools, look up drugs, submit and track benefits claims, check full coverage details, and show your virtual drug and coverage cards whenever and wherever you need them. Do you wish to speak to someone? Once you ve signed in to the mobile app, tap More in the bottom navigation bar and then Call us. You ll be transferred to Sun Life Financial s Customer Care Centre. The representative will know your identity because your plan details are linked to the call making it easier and faster to get the help you re looking for! Your access ID Sun Life Financial provides you with a unique access ID to access your accounts. Along with the password you create, your access ID will allow you to sign in to the mysunlife.ca/snclavalin website and the my Sun Life Mobile App. It is also a piece of information that helps to validate your identity when you call to discuss your plan with a Customer Care Centre representative. See how to register online for an access ID and password on page 5. 4 SNC-Lavalin Employee Benefits Program - User guide

5 mysunlife.ca/snclavalin mysunlife.ca/snclavalin provides you with an up-to-date view of your accounts and allows you to manage your program. It is also full of educational information videos, articles, interactive quizzes, tutorials and games that you can use to learn more about saving for retirement or making the most of your program. You need your access ID and password to access your account, plan and benefits information and an entire suite of tools. If you have a group insurance account as well as a retirement and savings account, you can use the same access ID and password to access both accounts. How to register Proceed to the next section if... you have already set up your access ID and password to sign in to mysunlife.ca/snclavalin. Go directly to the Signing in section on page Go to mysunlife.ca/snclavalin and select Register now on the right-hand side of the page. You may wish to bookmark this site for future access. 2. Check Employer investments and savings OR Health/dental benefits. 3. Follow the directions on the screen. You will need to enter information about your plan, so please have this information handy. You ll find your member ID, Retirement and Savings account number and/or Group contract/policy number in the welcome or letter you received from Sun Life Financial. 4. You ll have to complete an extra security step to protect your personal data. You can choose to identify yourself either through the last three digits of your Social Insurance Number or through a temporary registration code which can be mailed or ed to you if Sun Life Financial has an address on file for you. 5

6 5. You can choose to use your to sign in so you don t have to remember your numerical access ID. If we don t have an address on file, add it now! Then, create your password and select a verification question. You now have the information you need to sign in. 6. Complete your contact preferences and click Submit. You re all set! You can also register for an access ID and password by selecting Register from the my Sun Life Mobile App main page. Signing in 1. Sign in to mysunlife.ca/snclavalin with your access ID and password. 2. Select the Remember my Access ID checkbox to make signing in more convenient on future visits. Forgot your access ID or password? Select Forgot your Access ID? or Forgot your password? 6 SNC-Lavalin Employee Benefits Program - User guide

7 The Home page Once you ve signed in to mysunlife.ca/snclavalin, the Home page shows information about your retirement and savings program through the Investments section, and about your group insurance program through the Benefits section. Enrolment Tutorial Retirement and Savings Program From the top navigation bar on the Home page, you can also update your basic Profile information, by clicking on the icon. You can also find ways to contact Sun Life s Customer Care Centre by clicking Contact us. Enrolment Tutorial Flexible Group Insurance Program Your Profile You can view Access Information or Personal Information stored on your profile. Access Information The Access Info section allows you to make updates and adjustments to your site access information. Remember to save your changes by clicking the Submit button each time. You can change your password. You can update your personal verification question and answer. You can add addresses to your account and even indicate whether or not you would prefer to use an address instead of your numerical access ID as part of the sign in process. Finally, you can print off a card that includes your access ID. You will need to provide this information to the Customer Care Centre representative if you ever need to call in and discuss anything. Even if you have decided to use your address as part of the sign-in process, your access ID will still be an important validation for your personal account and is used to keep your personal information private. Personal Information The Personal Info section shows you what is on record in terms of your contact information and preferences, as well as your address and beneficiary details. 7

8 my Sun Life Mobile App The my Sun Life Mobile App lets you do almost everything you re used to, but on the go! How to download the app 1. Search for my Sun Life (Canada) in the Apple App Store or Google Play. 2. Tap on my Sun Life (Canada) to view the app description. 3. Tap the Install or Download button. How to sign in You ll need to set up your access ID and password before signing in on the app (See How to register on page 5). Select the Remember me checkbox to make signing in more convenient on future visits. If you have an ios device that uses the Touch ID feature, you may also activate this functionality from the app s navigation bar. Tap on More and then on Settings. Want to learn how to access all of the my Sun Life Mobile App features? Visit sunlife.ca/mobile. Now, sign in and enjoy! 8 SNC-Lavalin Employee Benefits Program - User guide Retirement and Savings Program

9 Your group insurance program mysunlife.ca/snclavalin and the my Sun Life Mobile App have all the tools you need to manage your group insurance program online and provide you with valuable information so you can make smart choices about your coverage. Read this guide to learn more, and then visit it again when you need a reminder about how to do something online and on the go! How to enrol 1. Sign in to mysunlife.ca/snclavalin to get started by following the steps below. 2. From your Home page, click [Enrolment and coverage summary] under the Benefits section. 3. Confirm your personal/dependent information. 4. If you need to select options under your group insurance program, make sure you ve read about your program s details, and then make your benefit choices. 5. Review your coverage summary and beneficiary information and print a copy for your records. 6. Click [Get form] to print your Beneficiary Nomination form and, if needed, your Optional benefit application (Statement of Health). 7. You can print a copy of your pay-direct drug card and coverage card. See instructions on page 14 for how to do this. Coverage costs The button Calculate costs now allows to calculate your total coverage cost automatically as you make your group insurance plan selections. This way you ll know what your personal contributions will be before you submit your enrolment.?? This icon identifies the terms which are defined in the Definitions section on page 20. Click the icon to go directly to this section. 9

10 How to designate a beneficiary It is recommended that you nominate a beneficiary to ensure that in the event of a life claim, payment can be made promptly and according to your wishes. If you did not designate a beneficiary when you first enrolled in your group insurance plan, or if you want to change a beneficiary on your plan, you can. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Enrolment and coverage summary] under the Benefits section. 2. Click [View your coverage summary] under Enrolment Options. 3. Click [Print Beneficiary form] at the bottom of the coverage summary page. 4. Select the appropriate PDF beneficiary form (English or French) and fill out your claim information online or print and fill it out manually. 5. Sign with a pen and mail your beneficiary nomination to the address on the form. Special note for Quebec residents? If you are a Quebec resident and name your legal spouse (marriage or civil union) as your beneficiary, this designation is considered irrevocable (meaning you must have your spouse s written consent to change your beneficiary designation) unless you check Revocable beneficiary when first naming your spouse as a beneficiary.? Check your coverage Coverage summary Once you ve enrolled, you can view a coverage summary of your benefits. This summary will show you the personal information recorded for your plan, the levels of coverage you have, the cost of your coverage, as well as the dependents that also have coverage under your group insurance plan. For a handy reference or for your personal records, you can print a copy of your coverage summary. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Enrolment and coverage summary] under the Benefits section. 2. Click [View your coverage summary] under Enrolment Options. 3. To print a copy, click the [print view] button at the bottom of your summary page. 10 SNC-Lavalin Employee Benefits Program - User guide

11 Coverage details You may also want to check what your coverage details are for each of your benefits. For example, you might want to see if you have coverage for a dental procedure, or how much coverage you have left for acupuncture treatments this year. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Coverage information] under the Benefits section. 2. Click the type of coverage you want to learn more about either under Medical or Dental. [Coverage information]: Under Medical coverage, you can find out the details of your medical benefit coverage by checking your name (or one of your dependents ) and then clicking on the name of a medical benefit. You ll be provided with information such as deductible amount, percentage of coverage, any limits for a particular benefit and more. You can also find your medical coverage information on the my Sun Life Mobile App. Select [Coverage information] under the Benefits drop-down menu, then select Coverage, and then Medical to get started. [Drug coverage]: Your Drug coverage section provides you with the Drug look up tool and your Current prescriptions. These features let you find out if a particular drug is covered under your plan, if you need prior authorization for a specialty prescription or if there are any lower-priced equivalents for prescribed drugs that can help you save on out-of-pocket expenses. Drug look up 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Coverage information] under the Benefits section. 2. Click [Drug coverage] in the Medical section. 3. Select [Drug look up]. You will need to accept the Terms and Conditions before proceeding. 4. Select your name or the name of the dependent you want to look up a drug for, and then enter the requested drug information in the search bar before clicking [search]. To look up drugs on the my Sun Life Mobile App, select [Coverage information] under the Benefits tab. Select Drug and then select Drug coverage to get started. 11

12 Current prescriptions 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Coverage information] under the Benefits section. 2. Click [Drug coverage] in the Medical section. 3. Select [Current prescriptions]. You will need to accept the Terms and Conditions before proceeding. 4. Select your name or the name of the dependent you want to look up a drug for, and click [Continue]. The next screen will show you a summary of the prescriptions that have been claimed under your plan for that person, as far back as 12 months. You won t see any claims dated before January 1, 2017 since that s when the policy took effect. You can also find your medical coverage information on the my Sun Life Mobile App. Select [Coverage information] under the Benefits tab, then select Drug to get started. [Need glasses/lenses?] After you click Need glasses/lenses?, you re presented with a summary of your vision care claims, benefit period, date of last purchase, coverage amount currently available, when you re next eligible for full coverage, and full coverage amount. You can also find your vision care coverage information on the my Sun Life Mobile App. Select [Coverage information] under the Benefits tab, then select Vision to get started. Generic substitution If you buy a brand-name drug while equivalents exist, you will only be reimbursed for the cost of the lowest cost equivalent (usually generic). The brand-name drug could be reimbursed if your doctor provides medical justification. Exceptions are however subject to Sun Life s approval. In order to know whether a lower-priced equivalent drug exists, you can either use the Drug look up tool or review your Drug history under the Drug coverage section. Enter the requested drug in the search bar or click on the drug you want to check from your summary of prescriptions. Equivalent drugs, if any, will be listed. 12 SNC-Lavalin Employee Benefits Program - User guide

13 [Dental coverage] Like your medical coverage, you can consult the details of your dental coverage by checking your name (or one of your dependents), and then clicking on the name of a dental benefit. You also have the option to search by dental procedure code. You ll be provided with information such as deductible amount, percentage of coverage, any limits for a particular benefit and more. [Next dental checkup] Wondering when you re next eligible to visit your dentist under your plan? Click Next dental checkup to find out! You ll see a chart that tells you when you or your dependents can book a covered recall exam to your dentist. [Dental estimates] If you asked your dentist to submit a Dental estimate to Sun Life Financial to see if you have coverage for certain dental work, you can find the results of the estimate in this section. Just click on the date of the estimate statement you wish to review. Quick view For handy information about your plan, you can always visit your Quick view page. This page provides you with key details about your plan like contract numbers or when you have coverage for your next dental checkup or links to other information within mysunlife.ca/snclavalin. 1. Sign in to mysunlife.ca/snclavalin. 2. From your Home page, click on [Benefits centre] under the Benefits section. 13

14 Your pay-direct drug card and your coverage card Your pay-direct drug (PDD) card helps your pharmacist submit claims for you right at the pharmacy, saving you time and paper. Your coverage card contains all of your contract numbers, your member ID and your access ID. If you prefer, you can carry a copy of your cards yourself and you can give the dependents covered under your plan a copy to carry too. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, select [Benefits Centre]. Then on the right navigation bar, click on Print drug card. The next screen will show your coverage card and your PDD card. 2. Click [Print] at the top right-hand portion of the page to print your cards. To view your cards on the my Sun Life Mobile App, select [Coverage card] under the Benefits tab, and then select the card you d like to view. Apple users can also choose to save these cards to their Apple Wallet for even easier access! Making claims Submitting e-claims You can submit claims electronically under your group insurance plan while you re signed in to mysunlife.ca/snclavalin. If you re signed up for direct deposit (see page 15 on how to set up direct deposit), your money goes right into your bank account usually within 48 hours! Be sure to keep your original receipts and supporting documents, as Sun Life Financial reserves the right to request these for up to 12 months. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, select [Submit a claim] from the Benefits section. 2. Click on the type of claim you d like to submit, and then follow the instructions listed. You can also submit claims on your phone using the my Sun Life Mobile App. Select [Submit a claim] under the Benefits tab, then select the type of claims you d like to submit and follow the instructions. If you need to submit any supporting documentation like a receipt you can do that on your phone with the photo submit feature! Proceed to the next section if... your program does not offer a Health Spending Account (HSA) You can use the amount in your HSA to pay for remaining balances not reimbursed under your program. When you re submitting your e-claim, be sure to indicate that you d like to automatically use your HSA to pay for your remaining balance. This automatic feature is only available for medical expenses on the website. 14 SNC-Lavalin Employee Benefits Program - User guide

15 Paper claims If you d prefer to send in a paper claim, you can do that too. For this method of claiming, you ll need to complete a form, and mail in your original receipts. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, select [Submit a claim] from the Benefits section. 2. Click [Print claim form] in the list of claims. 3. Download the appropriate PDF claim form and fill out your claim information online, or print and fill it out manually. 4. Sign the form, include all original receipts and mail to the address on the form. Use your pay-direct drug (PDD) card at the pharmacy When you present your PDD card at the pharmacy, your pharmacist will send us your claim electronically. Sun Life Financial pays the covered amount directly to your pharmacy so you only have to pay the balance. You can show a printout of your card, or an electronic version on your mobile device both are accepted at the pharmacy. Claims submitted for you Your pharmacist isn t the only one who can submit claims on your behalf. Your dentist and many of your other service providers may also be able to submit your claims electronically for you if they are registered for the TELUS Health eclaims service. If your service provider submits your claim on your behalf, be sure to keep your original receipts and supporting documents as Sun Life Financial reserves the right to request these for up to 12 months. Direct deposit As part of your claiming process, you can set up direct deposit so that you can have your claim reimbursements deposited electronically into your bank account, quickly and easily. You can update your information at any time. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Benefits centre] under the Benefits section. 2. Select [Direct deposit and online claim statements] under the Take me to menu on the right-hand side of the page. 15

16 3. Under Review your banking information, select [update], provide your banking information, and click [submit]. 4. Under Review your address, select [update], enter your address and preferences, and click [Submit]. 5. Click [done] to complete your direct deposit registration. Paperless statements By signing up for direct deposit, you ll automatically be switched to paperless statements. Instead of receiving paper claims statements, you ll receive an letting you know when your claim has been processed. You can then view or print the details of your claims online. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, select [Benefits Centre] under the Benefits section. On the Quick view page, from the Take me to drop down menu, select [Direct deposit and online claims statements]. 2. Click on the date of the statement you would like to view/print. You can also view your recent claims on the my Sun Life Mobile App. Select [Recent claims] under the Benefits tab. You can check out your claims over the last 90 days. 16 SNC-Lavalin Employee Benefits Program - User guide

17 Coordination of benefits (COB)? If you have a spouse who also has a benefits plan with family or couple coverage, you may be able to claim benefits under both plans. COB allows you to claim under both plans for up to a combined maximum of 100% of the eligible (reasonable and customary) amount of the coverage expense. Regarding the expenses incurred by insured dependent children,? note that the first payer under the COB rules will always be the parent whose birthday is earlier in the calendar year. To make this process easier, you can set up your coordination of benefits information online. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Benefits Centre] under the Benefits section. 2. Select [Coordination of benefits] under the Take me to menu on the right-hand side of the page. 3. Select [update]. 4. Select the statement that applies to your spouse s coverage under each contract number. 5. Select [submit] when you re done. Disability and life insurance claims Claims under your disability or life insurance plans must be made by calling Sun Life Financial at , on business days between 8 a.m. and 8 p.m. ET. Overage dependents Dependents who are over the age of 21 (but under age 25 or 26 depending on your plan) may still be eligible for benefits coverage under your plan if they are in school full-time and are financially dependent on you. If you don t let Sun Life Financial know that your children still qualify as overage dependents, they will not receive benefit coverage under your plan after age 21. Be sure to keep their dependent status up to date every year after age 21 if they re still students. A child who is disabled may also be eligible for coverage beyond age 21. How to apply: 1. To start the application process, please contact Sun Life Financial at The applicable link will be made available to you online. 2. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Enrolment and coverage summary] under the Benefits section. 3. In the Dependent Information section, you will need to check the box where it asks you to confirm if your dependent is an overage student/ handicapped child. 17

18 Re-enrolment Proceed to the next section if... you re not a member of the Flexible Group Insurance Program or the Candu mybenefits Program. Every year, the re-enrolment period is a good time to review your coverage options, to see if there have been any changes to your plan for the upcoming benefit period, and to make any changes as you may need. If you don t re-enrol, your current options will continue to be applicable until the next? re-enrolment period, or until you experience a qualified life event. 1. During the re-enrolment period, sign in to mysunlife.ca/snclavalin. From your Home page, click [Enrolment and coverage summary] under the Benefits section. 2. Confirm your personal information and make your benefit choices. 3. Review your coverage summary and beneficiary information and print a copy for your records. 4. If necessary, click [Get forms] to print your Beneficiary Nomination form and your Optional benefit application (Statement of Health).? Life event changes Life is full of changes, and sometimes your benefits coverage needs to change too. If you experience a qualified life event, you can make changes under your plan in order to make sure those most important to you are covered. You have 31 days from the date of the event to advise Sun Life Financial and make your changes. Qualified life events are listed in the definitions section on page 20, and include things like a change in your marital status, or the birth of your child.? 1. Contact Sun Life Financial at within 31 days from the qualified life event. The applicable link will be made available to you online. 2. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Enrolment and coverage summary] under the Benefits section. 3. Confirm your personal information and make the changes to your coverage as required. 4. Review your coverage summary and beneficiary information and print a copy for your records. 5. Click [Get forms] to print your Optional benefit application (Statement of Health) and Beneficiary Nomination forms if you need to submit new versions of these.? 18 SNC-Lavalin Employee Benefits Program - User guide

19 Sun Life Financial is here for you Contact Sun Life Financial if you have questions about your plan, including enrolment, updating a beneficiary,? or adding coverage to reflect a change in your life. Details that Sun Life Financial can help you to manage include: Your current coverage Re-enrolment and coverage questions Signing up for direct deposit Adding optional benefits Updating overage student status Updating your beneficiary? Amending benefits due to a life event like a change in your marital status or the birth of a child You can enjoy easy, one-stop access to information and administration of your group insurance program online or on the phone with Sun Life Financial. Call , any business day between 8 a.m. and 8 p.m. ET. Wellness centre By signing in to mysunlife.ca/snclavalin, you have access to a Wellness centre that contains a number of great resources like tools, articles, and assessments to help you to manage your health. From your Home page, click [Wellness centre] under the Benefits section. Plan member communications When there s information about your group insurance plan that you should know, you can read these notices under the section on the top navigation bar of your Home page or in the Plan member communications section. 1. Sign in to mysunlife.ca/snclavalin. From your Home page, click [Benefits centre] under the Benefits section. 2. Click on [Plan member communications] under the Guides and Information section. 3. Click on the title of the communication you would like to read. Product and service updates and helpful reminders will appear on the my Sun Life Mobile App in the Notifications section. 19

20 Choices plans designed to go where you go! At some point, you will leave your SNC-Lavalin group insurance program, and the Choices plans will be available when you no longer have group coverage. Choices plans are even available if part of your coverage terminates. For example, if your life coverage reduces by 10% at age 65, you can convert that 10% while you re still covered under your SNC-Lavalin group insurance program. Sun Life s customer solutions centre can tell you more! Simply call any business day between 8 a.m. and 8 p.m. ET and ask a representative to tell you more about the Choices plans that are available to you and your family.? Definitions Beneficiary: The person(s) you name to receive benefit payment upon your death or the death of a covered dependent. Coverage status: Under the Extended Health Care and Dental Care benefits, you choose how many people you wish to cover under the plan. The available options will depend on your plan, but if you choose: Single you will receive coverage for you alone; Single Parent you and your dependent children will be covered; Couple you and your spouse will be covered; or Family you, your spouse, and your dependent children will be covered. Dependent child: Your children and your spouse s children (other than foster children) are eligible dependents if they are not married or in another formal union recognized by law, and are under age 21. A child who is a full-time student attending a recognized educational institution is also considered an eligible dependent until the age of 25 or 26 (as applicable under your plan) as long as the child is entirely dependent on you for financial support. A child who is disabled may also be eligible for coverage beyond age 21. Life event: This refers to a change such as: marriage or common law relationships; birth or adoption of a child; divorce or legal separation; death of a dependent; dependent children are no longer eligible under the plan; and loss or acquisition of spouse s benefit coverage. This can also include your employment status changing from being a contractual employee to a regular employee, or a change in coverage under your spouse s benefits plan. Spouse: Your spouse by marriage or under any other formal union recognized by law, or, as applicable, your partner of the opposite sex or of the same sex who is publicly represented as your spouse for at least 12 months and who is cohabitating with you. You may only cover one spouse at a time under your plan. Special note for Quebec residents If you are a Quebec resident and name your legal spouse (married or civil union) as your beneficiary, this designation is considered irrevocable (meaning you must have your spouse s written consent to change your beneficiary designation) unless you specify revocable when first naming your spouse as a beneficiary. 20 SNC-Lavalin Employee Benefits Program - User guide

21 Your retirement and savings program Now that you ve registered at mysunlife.ca/snclavalin, make sure you enjoy all of the benefits your program has to offer. But first, you are probably wondering how you can access your retirement and savings program details and information. my financial centre my financial centre is a hub for your personal account and investment information, educational resources and financial planning tools that can help you build a better future. 1. Sign in to mysunlife.ca/snclavalin. Enrolment Tutorial Retirement and Savings Program 2. From the Home page, select my financial centre from the Investments section. You will see the blue main menu at the top of the screen (horizontal bar). From there, you can see your account details (Accounts drop-down menu), make transactions (Requests drop-down menu), access useful resources (Resource Centre drop-down menu) and find Quick links, which are the most commonly used places on the website. my financial centre provides you with an up-to-date view of your accounts and allows you to manage your plan. You can download and print your personal Workplace retirement plan summary from the top right-hand side of my financial centre. 21

22 How to enrol in new plans Get started Consider watching the Enrolment Tutorial video, which focuses on the steps to complete your online enrolment to new plans. 1. Sign in to mysunlife.ca/snclavalin. Enrolment Tutorial Retirement and Savings Program Retirement and Savings Program 2. From the Home page, under the Investments section, click on Enrolment Tutorial at the bottom of the right-hand menu to play the video. Ready to enrol? 1. From the Home page, choose my financial centre from the right-hand menu. 2. Then, under the Requests drop-down menu from the top navigation blue bar, select Enrol. 3. Read the information about enrolment and confirm you understand the terms and conditions. 4. Click Let s get started to enter the tool. 5. On the next screen, review or enter your Planned Retirement Age (PRA). This information will be used to determine your Planned Retirement Year and identify what funds could help achieve your goals. 6. Check the box corresponding to the plan(s) in which you want to enrol. 7. Click Save and Continue. 8. Agree to the Plan terms and conditions where applicable, and click Save and Continue. Determine your payroll deductions 1. Enter the percentage or amount of your pay you wish to contribute to your plan. 2. Click Save and Continue. Determine your comfort level with risk 1. Complete the Asset allocation tool. While growing your money is important, it s equally important that you re comfortable with your choices. This tool will help you determine your investment time horizon and comfort with investment risk, and in turn, help you select the investment options that are right for you. For plans you are enrolled in, answers can be saved so you can review them periodically to ensure that your investments continue to reflect your goals. 2. If the tool does not open automatically, click on [Asset Allocation] to enter the tool. 3. Should you not want to complete the tool, close the new window which opens and select your funds (see next step). 22 SNC-Lavalin Employee Benefits Program - User guide

23 Select your funds 1. Indicate how you wish to allocate your contributions and your employer s contributions (if applicable) by assigning a percentage to the investment options you have selected. You can click each fund name to learn more about your investment options. You must complete this step for each plan you want to enrol in. 2. Click Save and Continue. Review and submit If you wish to make changes, select one of the tabs under Enrol (Enrolment guide, Plan Selection, Plan Terms, Payroll Deduction, Fund Allocation). If you select one of the tabs, you will have to click Save and Continue again, even if you do not make any changes. Your enrolment is not complete and information is not saved if you exit before you click Submit under the tab Review & Submit. Once you click Submit, you will not be able to go back. 1. Click [enrolment summary] to review your information and then print a copy for your files. 2. Click Submit. Designate your beneficiary Finally, designate a beneficiary to ensure the assets in your account are distributed according to your wishes in the event of your death. If you do not designate a beneficiary, the assets in your account will be paid out according to legislative requirements. 1. Click Add/Edit Beneficiary and follow the on-screen instructions (see more details on page 29). Under a defined contribution pension plan, if you have a spouse when you die, the law stipulates that the death benefit be paid to your surviving spouse unless, where provided, the spouse waives the death benefit. This would allow you to appoint another beneficiary. Where Quebec law applies, a legal (married or civil union) spouse beneficiary is irrevocable unless you indicate otherwise. 23

24 How to use the Asset allocation tool It s important to find the asset mix that s right for your investment style and risk tolerance. The Asset allocation tool helps you make the right investment choices for you. Think of it as a quiz that matches your personality with your money (also called the Investment risk profiler). By answering nine questions, this tool will provide you with your risk profile and the asset mix that matches your personal tolerance for risk. How to use the tool: 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand menu. 2. Under the Resource Centre drop-down menu, select my money tools. 3. Ensure the Asset allocation tab is highlighted and then click Continue to enter the tool. 4. Enter some preliminary information such as the age at which you plan to retire and choose a plan to work with, then click Continue. 5. Review and respond to each question. 6. Based on your responses, the tool determines your target investment mix and presents detailed information about investment choices that align with your target investment mix. You can move from plan to plan or have the results apply to all of your plans. The tool provides you with an action plan and links to other tools and areas of the site to explore. 24 SNC-Lavalin Employee Benefits Program - User guide

25 Need help making your investment decisions? Within your retirement and savings program, you have a variety of investments to choose from, with two distinct investment approaches: built FOR me (SNCL Target Portfolios) and built BY me. Learn about investment approaches Learn more about those investment approaches by watching the videos available under my learning centre from the Resource Centre drop-down menu. Investment advice is a phone call away Through the my investment advice program, a licensed Investment Advice Specialist can help you understand the investment options available in your retirement and savings program, which ones are best for you, and how you can use them to build a diversified portfolio. Call (8 a.m. to 8 p.m. ET, any business day) and ask to speak to an Investment Advice Specialist. Ideally, you would have used the Asset allocation tool prior to making the call (see how on page 24). With one call, Sun Life Financial s licensed representatives can: Help you determine how comfortable you are with investment risk Review your plan s investment options Provide advice on which funds are most appropriate for you Complete any transactions over the phone, with your consent How to access investment information Through my financial centre, you have direct and integrated access to Morningstar Canada s investment information service. Morningstar is an independent investment researcher who provides real-time data and commentary about investments. Integration with mysunlife.ca/snclavalin means that you can focus on relevant information for the investments under your plan(s). 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand menu. 2. Under the Accounts drop-down menu, select Investment performance. 3. From there, you can select one of six tabs to access in-depth fund analysis tools. 25

26 Rates of Return and Unit Values: See the performance of funds available in your plan. Fund Report: Access tools and information about your funds. Market Indices: This section includes indices to help you better understand key drivers in the marketplace. Fund Quickrank tool: This tool allows you to search and compare funds side-by-side. You can research, analyze and compare the funds offered in your plan using different criteria. Instant X-Ray: This tool provides you with more detailed information including a portfolio overview and various portfolio performance metrics of your investments. Updates: This is a custom Sun Life Financial tool that allows Sun Life Financial to publish relevant fund manager updates and fund updates for you. How to update your investment selections You can update the investment selections for each of your plans through the Change investments feature. Changes can be made for accumulated assets and future contributions. Accumulated assets and future contributions may be handled as separate transactions indicated by the Move my money to different funds and Change how my future contributions will be invested options within this tool. We recommend you use your target investment mix results from the Asset allocation tool to help you select the percentage to allocate in each of the assets categories (see page 24). 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand section. 2. Under the Requests drop-down menu, select Change investments. 3. Use the tabs across the top to move from plan to plan. At the end of the process, you can replicate your changes to all of the plans. If you want to make a change for accumulated assets, check Move my money to different funds If you want to make a change for your future contributions only, check Change how my future contributions will be invested If you want to make a change for both accumulated assets and future contributions, check the first box Both move Make the actual changes. All of the investment selections appear in a chart and are listed by fund name and grouped by asset category. You will see the different funds available in the plan, your current investment mix, and the new one you wish to apply. You need to allocate 100% of your assets and/or future contributions to the different investment funds available. As you continue working through the tool, you have the possibility to review all of your selections prior to completing the transaction. 5. When you Submit the changes, you will receive a final confirmation for your records. 26 SNC-Lavalin Employee Benefits Program - User guide

27 How to update your contribution rates and make lump-sum contributions* online Contributions to your retirement and savings plans can come from many sources: your own payroll contributions and lump-sum contributions*, and any matching company contributions*. While payroll and matching company contributions follow regularly set schedules, lump-sum contributions* are made at any time. How to do this on mysunlife.ca/snclavalin: 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand menu. 2. Choose Requests from the top navigation menu. Next: For payroll contributions For lump-sum contributions* 3. Choose Payroll Contributions. 3. Choose Lump-sum Contributions. 4. Indicate the amount of payroll contributions you would like to make to your various plans (% per pay or $ amount per pay). 5. Click Save and continue. 4. Indicate whether you would like to complete the lump-sum contribution information online (click on A) Online Automatic Deposit) or by sending a completed form (click on B) Print and Mail your Contribution Form). 5. To proceed online, add your banking details. 6. Indicate the amount of your deposit and how you would like to allocate the contribution. 6. On the next screen, review and verify that the information you have provided is what you intended. 7. Then, click Previous to make a change or Submit. 7. Review the investment mix summary information. 8. Confirm and submit. * Where permitted by the plan design. 27

28 How to view your transaction history and make lump-sum contributions* on my Sun Life Mobile View your transaction history You can check out your transaction history over the last 12 months (beginning with transactions which occurred on or after January 1, 2017). 1. Once you ve signed in, tap on the account which you would like to view the transaction history. 2. Tap on History, then review how your contributions have been allocated between the various investment options. Make lump-sum contributions* Note: You ll have to set your investment instructions (i.e. your asset allocation percentages) on the website before you can contribute on the app. 1. Once you ve signed in and selected the account you would like to make a contribution to, tap Make a contribution. 2. Then, follow easy-to-use screens. Account number: Account number: * Where permitted by the plan design. 28 SNC-Lavalin Employee Benefits Program - User guide

29 How to use the Retirement planner What s your vision of retirement? And how do you get there? The Retirement planner will use your current asset mix, the variables you provide and some standard assumptions to project your estimated income at retirement. The information you input will be saved each time you visit the planner, helping you track your progress towards your desired retirement lifestyle. It takes you through a series of questions, and then assesses your responses to provide you with a big-picture view of your goals and suggestions for how to achieve them. The Retirement planner takes less than ten minutes to complete and the information you enter will be saved so you can return periodically and track your progress. Your account information will always automatically show in the tool. How to use the tool: 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand menu. 2. Under the Resource Centre drop-down menu, select my money tools. 3. Choose Retirement planner from the my money tools top menu. 4. Click Let s get started! to enter the tool. Your information and questions appear in the top part of the window; navigation shows in the lower part of the window. Optional accompanying audio helps guide you through the screens and the results. Use the numbers, Next or Back buttons to move through the questions and enter information. You can also adjust Assumptions. View results by choosing the calculator icon. The results page shows three tabs: Retirement income, Retirement savings and Action Plan. You can enter different savings amounts on the right hand side of this screen to see what effect it has on your projected retirement income. A Detailed report option provides a summary that you can print. How to update your beneficiary information 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand menu. 2. Under the Quick Links drop-down menu, select Beneficiary Info. 3. Review the beneficiaries on file for each plan and update using the Edit button. 4. Adjust the information and remember to Update. You can print a summary of that information at any time by clicking on Print beneficiary summary at the top right-hand side of the screen. For a defined contribution pension plan, where Quebec law applies, a legal (married or civil union) spouse beneficiary is irrevocable unless you indicate otherwise. 29

30 How to access your account statement Your statement is designed to give you the plan account information you value most in an easy, accessible format: How much money have you accumulated? What kinds of returns are you making? How does your asset mix compare with your target mix? This information is presented in plain language and hopefully encourages you to take an active role in preparing for retirement. 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand menu. 2. From the Accounts drop-down menu, select Statements. Your most recent account statement along with previous account statements will be available to view. Just select any of the statement date links. Your statements will be available online for seven years. You will automatically receive your year-end statement by mail in paper format. To go completely paperless with online statements only: 3. Click on [Change how often I receive a paper statement], and then check I will view my statements online, and receive alerts when they are available. You will be asked to review the terms and conditions and confirm your address. And you re done! How to print copies of your tax receipts If you participate in a Registered Retirement Savings Plan (RSSP), you can view records of your RRSP contributions, your RRSP receipts, and request duplicates. This request also provides you with the opportunity to update your RRSP contribution limit based on information you receive from the Canada Revenue Agency. 1. Sign in to mysunlife.ca/snclavalin. From the Home page, under the Investments section, click on my financial centre from the right-hand menu. 2. Under the Requests drop-down menu, select Tax Slips & RRSP info. 3. Click on [RRSP receipts and request duplicates] under the RRSP contribution info section. 30 SNC-Lavalin Employee Benefits Program - User guide