Benefit Summary

Introduction
Definitions
Dental
Extended Health Care Benefit
FollowMe^TM Health
FollowMe^TM Life
Health Service Navigator®
Survivor Benefit
Health for Life® - Resources to help you and your family maintain overall good health and wellness
Show all Benefits

Printer Friendly

A message from your plan sponsor

Mennonite Church Eastern Canada is pleased to be able to offer you medical and financial security by sponsoring your group benefits program.

We have selected Manulife Financial as a partner to help us deliver the program. We were impressed with the suite of products and services available and also with their strength and stability as a leader in the insurance and financial services marketplace. They are committed to providing excellent service for us.

At this point, you will have received some basic information about how you can connect with Manulife Financial and how to submit claims. Now, I would encourage you to spend a few moments reviewing our plan's coverage so you can better understand what's available. You'll learn about not only the more routine things, but also about some of the benefits available that you may need to draw on in a time of crisis. Your plan is here to offer you some support in the event you encounter unforeseen circumstances in the future.

After reviewing the coverage, if you have any questions, check in with our plan administrator.

Ester J. Neufeldt
Operations Mininster

Planning for Financial Security

You may be interested in developing a personalized financial plan that will help you achieve your goals. The benefits representative who helped us arrange your group benefits program can also work with you to help determine your need for individual insurance or personal savings and investments. If you're interested contact Plan Consultant: Mertin Financial Group Inc.

( 888 ) 429 - 9931

Your plan sponsor is Mennonite Church Eastern Canada

This booklet produced: August 11, 2011

Your plan number is G0073310
This is the main number you should provide as a reference when contacting Manulife Financial. Be sure to record this number and your plan member certificate number (from your benefits card) on all correspondence and claim forms.

Your coverage class is A - All Permanent Full-Time Employees

The plan effective date is March 01, 2008

This is the official day when all of the coverage and services your plan sponsor has arranged with us begins. Coverage starts once you have fulfilled any waiting period requirements set for your plan.

Your plan may include a waiting period for some benefits.

The day after the waiting period has finished is the earliest date you can use this coverage.

Your plan information outlines core and optional benefits. After you review your core benefits, you may want to consider purchasing additional coverage for yourself or dependants. See the "Additional coverage and services available to purchase" section for more details.

What you need to know about your plan

Who and what your plan covers

We are Manulife Financial, your plan sponsor's partner in supporting the group insurance benefits you receive at work. We know how important your coverage is and that you count on us to give you great tools to help you understand what you have.

Your dependants - your spouse, child or children who are insured under your Provincial Health Plan - may also be eligible for some of the coverage provided through this benefits program. Your plan sponsor's plan must be in effect and you and your dependants must have satisfied all of the participation requirements first, for your coverage to be active.

In the event that a provincial plan or government-sponsored program or plan or legally mandated program discontinues or reduces payment for any services, treatments or supplies formerly covered in full or in part by such plan or program, your group benefits plan will not automatically assume coverage of the charges for such treatments, services or supplies, but will reserve the right to determine, at the time of change, whether the expenses will be considered eligible or not.

The information provided here is an overview of the coverage and services your plan sponsor has chosen to offer as part of your group benefits program. It doesn't include reference to all of the plan details, limitations and exclusions or terms and conditions your employer has arranged. Those are set out in your plan sponsor's group benefits plan documents (for example, the policy or plan document and any plan amendments). Manulife's administrative team will refer to those plan documents when evaluating claims, your eligibility for coverage, and for the general administration of the program. In the event of a discrepancy between this coverage overview and the plan documents, the terms outlined in the plan documents will apply.

HOW LONG COULD IT TAKE TO HAVE MY CLAIM PROCESSED?

This will depend largely on how you submit your claim and how you choose to receive payment. Send paper claims to the address printed on the claim form. Be sure to record your plan contract number and plan member certificate number on all correspondence and claim forms.

USE MORE THAN ONE PLAN TO GET MORE MONEY BACK
Did you know that you can recover up to 100% of your expenses if you coordinate claims with your spouse's group plan? This is called coordination of benefits and here's how it works.

strong reliable trustworthy forward-thinking

A message from your plan sponsor

Planning for Financial Security

What you need to know about your plan

Your plan sponsor is Mennonite Church Eastern Canada

Your plan number is G0073310

Core Coverage and Services

Your plan sponsor has chosen to offer the following benefits to form the coverage in this program.

Dental

Benefit Details	Your Plan's Coverage
Waiting Period	none
Deductible	None
Dental Fee Guide	Fee Guide for General Practitioners which was in effect 1 year(s) prior to the current Fee Guide for your Province of Residence If you reside in Alberta, the Fee Guide is considered to be the 1997 Alberta Dental Association Fee Guide for General Practitioners plus inflationary adjustment as determined by Manulife Financial
Coverage ends	At the earlier of age 70 or your retirement
Combined Maximum applies to: Level I Level II Level III Level IV	$1,500 per calendar year
Maximum applies to: Level V	$1,500 per lifetime
Level I - Basic Services Includes items such as: complete oral exam, one per 2 calendar years full-mouth x-rays, one per 2 calendar years one unit of light scaling and one unit of polishing once every 9 consecutive months, or prophylaxis once every 9 consecutive months, when the service is performed in Quebec bitewing x-rays, two films, once every 9 months recall exams, and fluoride treatments, once every 9 months routine diagnostic and laboratory procedures fillings, retentive pins and pit and fissure sealants. Replacement fillings are covered provided: - the existing filling is at least 12 months old and must be replaced either due to significant breakdown of the existing filling or recurrent decay, or - the existing filling is amalgam and there is medical evidence indicating that the patient is allergic to amalgam pre-fabricated full coverage restorations (metal and plastic) space maintainers (appliances placed for orthodontic purposes are not covered) minor surgical procedures and post surgical care extractions (including impacted and residual roots) consultations, anaesthesia, and conscious sedation denture repairs, relines and rebases, only if the expense is incurred later than 3 months after the date of the initial placement of the denture injection of antibiotic drugs when administered by a Dentist in conjunction with dental surgery	80% to a combined maximum of $1,500 per calendar year
Level II - Supplementary Services Includes items such as: surgical procedures not included in Level I (excluding implant surgery) periodontal services for treatment of diseases of the gums and other supporting tissue of the teeth, including: - scaling not covered under Level I, and root planing, up to a combined maximum of 6 units per calendar year(s) ; - provisional splinting; and - occlusal equilibration, up to a maximum of 8 units per calendar year(s) endodontic services which include root canals and therapy, root amputation, apexifications and periapical services root canals and therapy are limited to one initial treatment plus one re-treatment per tooth per lifetime re-treatment is covered only if the expense is incurred more than 12 months after the initial treatment	80% to a combined maximum of $1,500 per calendar year
Level III - Dentures Includes items such as: initial provision of a full or partial removable dentures replacement of removable dentures, provided the dentures are required because: - a natural tooth is extracted and the existing appliance cannot be made serviceable; - the existing appliance is at least 60 months old; or - the existing appliance is temporary and is replaced with the permanent dentures within 12 months of its installation dentures required solely to replace a natural tooth which was missing prior to becoming insured for this eligible expense, are not covered	50% to a combined maximum of $1,500 per calendar year
Level IV - Major Restorative Services Includes items such as: crowns and onlays when the function of a tooth is impaired due to cuspal or incisal angle damage caused by trauma or decay inlays, covering at least 3 surfaces, provided the tooth cusp is missing initial provision of fixed bridgework replacement of bridgework, provided the new bridgework is required because: - a natural tooth is extracted and the existing appliance cannot be made serviceable; - the existing appliance is at least 60 months old; or - the existing appliance is temporary and is replaced with the permanent bridge within 12 months of its installation bridgework required solely to replace a natural tooth which was missing prior to becoming insured under this Plan is not covered	50% to a combined maximum of $1,500 per calendar year
Level V - Orthodontics Includes items such as: orthodontic services for dependant children only, provided treatment commences prior to reaching age 17	50% to a maximum of $1,500 per lifetime
Exclusions self-inflicted injuries war, insurrection, the hostile actions of any armed forces or participation in a riot or civil commotion the committing of or the attempt to commit an assault or criminal offence injuries sustained while operating a motor vehicle while under the influence of any intoxicant, including alcohol dental care which is cosmetic, unless required because of an accidental injury which occurred while the patient was insured under this benefit anti-snoring or sleep apnea devices broken dental appointments, third party examinations, travel to and from appointments, or completion of claim forms services which are payable by any government plan services or supplies provided by an employer's medical or dental department services or supplies for which no charge would normally be made in the absence of insurance treatment rendered for a full mouth reconstruction, for a vertical dimension or for a correction of temporomandibular joint dysfunction replacement of removable dental appliances which have been lost, mislaid or stolen laboratory fees which exceed reasonable and customary charges services or supplies which are performed or provided by the insured person, an immediate family member or a person who lives with the insured person implants, or any services rendered in conjunction with implants. However, where an implant is the choice of treatment and a denture or bridge would produce professionally adequate results for the condition, Manulife Financial will pay the cost of the implant expense and any related services, at a cost equal to the least expensive cost of a denture or bridge treatment which is not generally recognized by the dental profession as an effective, appropriate and essential form of treatment for the dental condition services or supplies which are not specified as a covered expense under this benefit If you anticipate charges for any treatment to exceed $500, please submit a pre-treatment plan before receiving the service so you can understand what portion your plan may cover. Your plan will pay benefits for the least expensive course of treatment when there are two or more courses of treatment covered that would produce professionally adequate results for a given condition. Manulife's professional dental consultant will aid in evaluating the various courses of treatment available to determine which is professionally adequate. If you apply for coverage for Dental insurance late, Late Dental Application insurance will be limited to $125 for each insured person for the first 12 months of coverage. All claims must be submitted within 12 months after the date the expense was incurred. However, upon termination of your insurance, all claims must be submitted no later than 90 days from the termination date.

Extended Health Care Benefit

This benefit has many components that extend your coverage to a wide variety of health care providers and services. Under the broad category there may be coinsurances, deductibles, maximums and limitations that apply to specific components of the coverage.
Benefit Details	Your Plan's Coverage
Waiting Period	none
Maximum	Unlimited
Deductible	Nil
Co-insurance	70% for Medical Services & Supplies , Professional Services , Vision 100% for Hospital Care 80% for Drugs
Coverage Ends	At the earlier of age 70 or your retirement

EHC - Drugs
Benefit Details	Your Plan's Coverage
Prescription Drugs Includes the following drug classes: oral contraceptives, intrauterine devices, and diaphragms injectable medications life-sustaining drugs non-prescription drugs and supplies required for the treatment of diabetes (excluding automatic jet injectors or similar equipment) No coverage for / excludes: preventive vaccines and medicines (oral or injected) fertility drugs anti-smoking drugs sexual dysfunction drugs drugs, which are intended to be administered in a hospital on an in-patient or out-patient basis and are not intended for a patient's use at home cotton swabs, rubbing alcohol automatic jet injectors and similar equipment used in the treatment of diabetes charges to administer serums, vaccines & injectable drugs experimental or investigational drugs not approved or broadly accepted and recognized by the Canadian medical profession as an effective, appropriate and essential treatment of a sickness or injury, in accordance with Canadian medical standards natural health products (products with a NPN)	80% Coinsurance
	There is a limitation on quantity of drugs that can be dispensed and claimed at one time, to the lesser of: a) the quantity prescribed by the Physician or Dentist; or b) a 3-month supply. If you are a Québec resident, your plan's coverage will coordinate with RAMQ.

EHC - Vision
Benefit Details	Your Plan's Coverage
Prescription Glasses , Contact Lenses , Laser Eye Surgery , Eye Exams , Visual Training	70% Coinsurance $200 per 24 months for prescription glasses , elective contact lenses , repairs and elective laser vision correction procedures If contact lenses are required to treat a severe condition, or if vision in the better eye can be improved to a 20/40 level with contact lenses but not with glasses, the maximum payable will be $200 during any 24 months Eye Exams - once per 24 months Visual Training - $200 per lifetime
	Find out about discounts available to you through Manulife Financial's relationship with Preferred Vision Services (PVS).

EHC - Health Care Professionals (Professional Services)
Benefit Details	Your Plan's Coverage
Audiologist, Chiropractor , Osteopath , Podiatrist/Chiropodist , Massage Therapist , Naturopath , Speech Therapist , Physiotherapist , Psychologist	$300 per calendar year(s) for Audiologist $300 per calendar year(s) for Chiropractor $300 per calendar year(s) for Osteopath $300 per calendar year(s) for Podiatrist/Chiropodist $300 per calendar year(s) for Massage Therapist $300 per calendar year(s) for Naturopath $300 per calendar year(s) for Speech Therapist $300 per calendar year(s) for Physiotherapist $300 per calendar year(s) for Psychologist
	Expenses for some of these professional services may be payable in part by provincial plans. Coverage for the balance of such expenses prior to reaching the provincial plan maximum may be prohibited by provincial legislation. In those provinces, expenses under this benefit program are payable after the Provincial Plan's maximum for the benefit year has been paid. Recommendation by a physician for Professional Services is not required.

EHC - Medical Supplies and Services
For all medical equipment and supplies, coverage is limited to the cost of the device or item that adequately meets the patient's fundamental medical needs.
Benefit Details	Your Plan's Coverage
Private Duty Nursing Services Provided by a registered nurse or registered nursing assistant who has completed an approved medications training program Excludes: custodial care, homemaking duties or supervision services performed by a nurse practitioner who is an immediate family member or who lives with the patient services performed while confined to a hospital, nursing home or other similar institution services that could be performed by a person with lesser qualifications, a relative, friend or member of the patient's household	$5,000 per calendar year(s)
	Submit a detailed treatment plan estimate before Private Duty Nursing services begin so we can advise you of what benefit may be provided.
Hearing Aids	$1,000 per 5 calendar year(s)
	Includes cost, installation, repair and maintenance of Hearing Aids (including charges for batteries)
Orthopaedic Shoes/Orthotics	$150 per calendar year(s) for Stock-item Orthopaedic Shoes Custom Made Shoes which are required because of a medical abnormality that, based on medical evidence, cannot be accommodated in a stock-item orthopaedic shoe or a modified stock-item orthopaedic shoe, up to a maximum of 1 pair per calendar year (must be constructed by a certified orthopaedic footwear specialist) $400 per 3 calendar year(s) for Orthotic Foot Appliances
	Must be recommended by a physician or podiatrist.
Medical Equipment Includes items such as: ambulance (licensed including air ambulance, provided in province of residence) mobility equipment (crutches, canes, walkers, wheelchairs) manual hospital beds respiratory and oxygen equipment other equipment usually found only in hospitals non-dental external prostheses braces (other than foot braces), trusses, collars, leg orthosis, casts and splints ileostomy, colostomy and incontinence supplies medicated dressings and burn garments oxygen charges for the treatment required as a result of an injury to natural teeth or jaw surgical brassieres wigs and hairpieces for temporary hair loss associated with medical treatment	4 per calendar year for surgical brassieres $250 per lifetime for wigs and hairpieces
	Medical equipment dispensed by a hospital is not an eligible expense. In the province of Quebec, microscopic and other similar diagnostic tests and services rendered in a licensed laboratory are included. Accidental dental treatment must be provided within 12 months of the accident. Injuries sustained while biting or chewing are not covered.
Surgical Stockings	$400 per calendar year

EHC - Hospital
Benefit Details	Your Plan's Coverage
General or Rehabilitation hospitals in a Semi-Private Room	In excess of the hospital's public ward charge
	Manulife Financial will coordinate payment after any provincial plan coverage has first been applied.

EHC - Medical and Non-Medical Travel Emergencies
Benefit Details	Your Plan's Coverage
Emergency medical coverage Conditions: coverage is permitted for normal pregnancies as long as travel is completed prior to the 37th week of gestation valid Government Health Insurance Plan (GHIP) coverage is required for you and your dependants	100% with a lifetime maximum of $5,000,000 Coverage is limited to 60 days per trip.
	You are typically responsible for payment of medical expenses amounting to less than $200 CDN. When you return from you trip, you can submit a claim to be reimbursed for those expenses through the normal claim submission process. For charges over $200 CDN, contact the service partner shown on your benefits card as soon as possible to arrange for payment directly to the treating physician or facility.
Non-Emergency medical coverage Conditions: recommendation by a practicing physician in Canada is required suggests that you submit a detailed treatment plan with cost estimates before treatment begins. You will then be advised of any benefit that will be provided.	50% with a maximum of $3,000 every 3 calendar year(s)
Emergency Travel Assistance Including: 24 hour access to multi-lingual service representatives referral to local medical care and treatment monitoring payment of medical bills, medical transportation, return home of dependant children, visit by a family member, trip interruption/delay coverage, support through convalescence after hospital discharge, identification and/or return of a deceased traveller, meals and accommodation, vehicle return, pre-trip advice on passport, visa, vaccination and inoculation requirements for a destination, assistance in replacing lost documents and tickets, referral to legal assistance in your foreign destination, telephone interpretation service, emergency message service, and after-hours medical advice phone support	All maximums stated are in Canadian Funds. $1,000 for return of vehicle $2,000 for meals and accommodations $5,000 for return of deceased
	See www.manulife.ca/groupbenefits/ travel for additional information, a list of phone numbers for frequent Canadian travel destinations and for participating countries.

Health for Life® - Resources to help you and your family maintain overall good health and wellness

Benefit Details	Your Plan's Coverage
Your plan also includes access to services and information you and your family can use to live healthier lives. You can access these services on the Plan Member Secure Site.
Health eLinks® - Online resources for better health
Take the first step toward healthier living through online tools and resources such as: Health Risk Assessment Health Library, including: Conditions database Medications database Tests and procedures database Health features Personal Health Improvement Program	Included and available on the Plan Member Secure Site
Resilience® Counselling Services / Employee and Family Assistance Program (EFAP) - Giving you and your dependants access to helpful advice from caring professionals
Short term counseling for a wide range of issues from psychological problems to additions, and from family and marital concerns to nutritional counselling for example. Specialized Depression Care if you or a dependant is dealing with a clinically diagnosed mental health issue. Online self-help courses on a variety of topics including but not limited to: Embracing Workplace Change Taking Control of Stress / Taking Control of Your Mood Taking Control of Job Loss / Taking Control of Your Career Taking Control of Alcohol Use Foundations of Effective Parenting Resolving Conflict in Intimate Relationships Database to search for childcare or eldercare resources in your area	Approximately 4 to 6 hours of short-term counselling for an unlimited number of issues. Up to 20 sessions for Depression Care. You can receive counselling by phone, online or in person.
	To access counselling services online: Visit the Plan Member Secure Site To access any of the Health for Life Resilience services by phone: Call 1-866-644-0326 to reach a representative any time, 24 hours a day. If you use a TTY/TDD device, call 1-888-384-1152.
Plan Smart^TM Services
Childcare and parenting caregiver support Elder and family care support Legal advice Financial advice Nutritional support Career counselling Pre-retirement planning Smoking cessation Shift worker support
Personalized information and tools that are selected by counselling professionals with your best interests in mind.

Health Service Navigator®

Whether you or a family member have been diagnosed with a critical or chronic health condition, or you are simply curious about the services available in your area, Health Service Navigator® points you to agencies or resources that may be able to provide the information you need, including:

tips and tools you can use to navigate through the Canadian health care landscape
a national physician search database
provincial health plan information
health, medical condition, treatment plan options and medication information you can trust, and
a second medical opinion service for times when you may want to double check a serious medical diagnosis you, your spouse or your child has received

With the exception of the second opinion service (which is available by phone only), Health Service Navigator tools are all available for you or your spouse or children any time on the Plan Member Secure Site.

Survivor Benefit

Benefit Details	Your Plan's Coverage
If you die while your dependants are insured under the program, Manulife Financial will continue coverage for some benefits without payment of premium: Extended Health Care Dental Care	Coverage will continue until the earliest of: the date your dependant is no longer a dependant, the date similar coverage is obtained elsewhere, the date which is 2 years from your death, or the date the Group Policy terminates.

Individual plan options available to purchase if you are leaving plan

When your group coverage ends, your relationship with Manulife doesn't have to stop there. You have the option to purchase your own personal life, health and dental plans.

FollowMe^TM Life

The FollowMe Life insurance plan is unique. Designed to start when your group life insurance stops, it offers coverage from $25,000 to $200,000. You are eligible to apply for the same amount of coverage as you had with your group life plan or less.

Completion of a medical questionnaire is not required as long as you apply within 60 days of your group life coverage end date.

To find out more, request a brochure, get a quote, apply online or print an application, go to www.coverme.com or call 1-877-COVER ME® (1-877-268-3763)

FollowMe^TM Health

The FollowMe Health plan is specially designed for those whose group health coverage has recently or will soon come to an end. FollowMe Health allows you to continue enjoying health and dental benefits without completion of a medical questionnaire, so there's no need to worry about interruption of coverage for you or your loved ones. With four different plans and levels of coverage to choose from, you're certain to find the FollowMe Health plan that meets your needs.

To find out more, request a brochure, get a quote, apply online or print an application, go to www.coverme.com or call 1-877-COVER ME® (1-877-268-3763)

Definitions

Explanation of some of the terms used in this document

Co-insurance

- is the way the cost of a service is shared between you and your plan. It exists in addition to any deductibles. So for example, an 80% co-insurance means that after the deductible has been satisfied, your plan will cover up to 80% of the bill and you would pay the rest.

Co-payment

- is a fixed amount that you must pay towards the cost of a service each time you use your plan. Most often, co-payments exist in situations where a claim is settled at point of sale. For instance, you might see a drug benefit with a $2.00 co-pay amount. Regardless of the cost of the prescription being filled, you are required to pay $2.00.

Dependant

Your Spouse or Child who is insured under the Provincial Plan.

Spouse

your legal spouse, or a person continuously living with you in a role like that of a marriage partner for at least one year.

Child

your natural or adopted child, or stepchild, who is:

unmarried;
under the age stated below:
for Dental coverage - under age 21, or under age 25 if a full-time student;
for Extended Health Care coverage - under age 21, or under age 25 if a full-time student;

not employed on a full-time basis

not eligible for insurance as an employee under this or any other Group Benefit Program

a child who is incapacitated on the date he or she reaches the age when insurance would normally terminate will continue to be an eligible dependant. However, the child must have been insured under this Benefit Program immediately prior to that date

a child is considered incapacitated if he or she is incapable of engaging in any substantially gainful activity and is dependant on the employee for support, maintenance and care, due to a mental or physical disability. Manulife Financial may require written proof of the child's condition as often as may reasonably be necessary

a stepchild must be living with you to be eligible

Drugs:

must be prescribed in writing by a physician, dentist or other health care professional whose scope of practice within their province permits them to write a prescription;
must be dispensed by a licensed pharmacist;
must have been approved for use by Health Canada and have a drug identification number(DIN).

RAMQ - Drug Benefit for persons who reside in Québec
If you and your dependants reside in Québec, the following provisions apply to your drug benefit coverage:

drugs that are on the List of Insured Drugs that is published by the Régie de l'assurance-maladie du Québec (RAMQ List), provided such drugs are on the list at the time the expense is incurred; and
drugs that are listed as a covered expense under your drug plan but are not on the RAMQ List.

The following provisions apply only to the coverage of drugs that are on the RAMQ List, as legislated by An Act Respecting Prescription Drug Insurance (R.S.Q. c., A-29-01). Coverage for all other drugs will be subject to the regular provisions included in your benefit plan.

a) Benefit Percentage
Prior to the annual out-of-pocket maximum being reached, the percentage of covered drug expenses payable under this benefit will be as follows:

i) For any drug on the RAMQ List which is not otherwise covered under the terms of this benefit, the percentage payable is the percentage as set out by legislation.

ii) For any drug on the RAMQ List which is covered under the terms of this benefit, the percentage payable is the greater of:

the benefit percentage stated under the benefit; or
the percentage as set out by legislation.

After the annual out-of-pocket maximum has been reached, the percentage of covered drug expenses payable under this benefit will be 100%.

b) Annual Out-of-Pocket Maximum
The annual out-of-pocket maximum is the portion of covered drug expenses which must be paid by you and your spouse in a calendar year, before the percentage payable under this benefit will be 100%. Amounts that will be applied to the annual out-of-pocket maximum are:

i) deductible amounts, and

ii) the portion of covered drug expenses that is paid by an insured person, when the percentage of covered expenses payable under this benefit is less than 100%.

The annual out-of-pocket maximum for you and your spouse is as stipulated in the legislation and includes those portions of covered drug expenses paid for your dependant children.
For the purposes of calculating the out-of-pocket maximum for you and your spouse, those portions of covered drug expenses paid for your dependant children will be applied to the person who is closest to reaching the annual out-of-pocket maximum.

c) Deductible
Deductible amounts (if any) for the drug benefit will apply, until the annual out-of-pocket maximum is reached. Thereafter, the deductible will not apply.

d) Lifetime Maximums
Lifetime maximums (if any) for the drug benefit will not apply. Drug coverage provided after the lifetime maximum stated under this plan is reached is subject to the following conditions:
i) only drugs that are on the RAMQ List are covered, and
ii) the percentage payable by Manulife Financial for covered expenses is the percentage as set out by legislation.

e) Eligible Dependant Children
Your eligible dependant children who are in full-time attendance at an accredited educational institution will be covered until the later of:
i) the age specified in this Benefit Booklet or
ii) age 26.

Drug coverage provided for dependant children after the age stated in this Benefit Booklet is subject to the following conditions:

only drugs that are on the RAMQ List are covered, and
the percentage payable by Manulife Financial for covered expenses is the percentage as set out by legislation.

Termination Age
Provided you are otherwise eligible for the drug benefit, the termination age (if any) for the drug benefit will not apply. Drug coverage provided after the termination age specified under The Benefit is subject to the following conditions:
i) only drugs that are on the RAMQ List are covered,
ii) the percentage payable by Manulife Financial for covered expenses is the percentage as stipulated in the legislation
iii) the Annual Out-of-Pocket Maximum is as stipulated in the legislation

Coverage for drugs that are listed as a covered expense under this Benefit but not on the RAMQ List will be subject to all the standard provisions included in this Benefit Booklet.

Earnings

Earnings are your regular rate of pay from your employer (prior to deductions);

Earnings may include other income as agreed to in writing by your employer and Manulife Financial.

For the purposes of determining the amount of your benefit at the time of claim, your earnings will be the lesser of:

the amount reported on your claim form, or

the amount reported by your employer to Manulife Financial and for which premiums have been paid.

Experimental or Investigational

Treatment not approved or broadly accepted and recognized by the Canadian medical profession, as an effective, appropriate and essential treatment of a sickness or injury, in accordance with Canadian medical standards.

Medical and Non Medical Travel Emergencies

- are sudden, unexpected injuries which occur or unforeseen illnesses which begin while travelling out-of-province or out-of-Canada for business or pleasure and for accidents or illnesses that were not previously diagnosed or treated in Canada.

Medically Necessary

Treatment broadly accepted and recognized by the Canadian medical profession as effective, appropriate and essential in the treatment of a sickness or injury in accordance with Canadian medical standards.

Non-Evidence Limit

- the amount of insurance benefits you can receive without needing to provide proof of good health. Anything over this figure means that Manulife must review medical evidence before you are approved for the higher amount.

Out-Of-Pocket Maximum

- This is the maximum amount of money you will have to pay on your own before your insurance benefits begin to take over and pay. It includes things like deductibles, and co-insurance, but not things like co-payments or your monthly premium.

Pyogenic Infection

- A bacterial infection or inflammation that produces a generally viscous, yellowish-white fluid formed in infected tissue. The fluid consists of white blood cells, dead tissue and cellular debris.

Reasonable and Customary Charges

The lowest of:

the prevailing amount charged for the same or comparable service or supply in the area in which the charge is incurred, as determined by Manulife Financial; or

the amount shown in the applicable professional association fee guide; or

the maximum price established by law

Introduction
Dental
Extended Health Care Benefit
Health for Life® - Resources to help you and your family maintain overall good health and wellness
Health Service Navigator®
Survivor Benefit
FollowMe^TM Life
FollowMe^TM Health

	X
Please call the Manulife Financial Group Benefits phone number printed on your benefits card.

Benefits Booklet

Mennonite Church Eastern Canada

Group Policy Number: G0073310

Class: A - All Permanent Full-Time Employees

A message from your plan sponsor

Planning for Financial Security

What you need to know about your plan

A message from your plan sponsor

Planning for Financial Security

What you need to know about your plan

Core Coverage and Services

Dental

Extended Health Care Benefit

Health for Life® - Resources to help you and your family maintain overall good health and wellness

Health Service Navigator®

Survivor Benefit

Individual plan options available to purchase if you are leaving plan

FollowMeTM Life

FollowMeTM Health

Co-insurance

Co-payment

Dependant

Drugs:

Earnings

Experimental or Investigational

Medical and Non Medical Travel Emergencies

Medically Necessary

Non-Evidence Limit

Out-Of-Pocket Maximum

Pyogenic Infection

Reasonable and Customary Charges

Table Of Contents

FollowMe^TM Life

FollowMe^TM Health