2017 BENEFITS GUIDE

CANADA

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INTRODUCTION

Wesco provides a competitive healthcare plan so you can select the benefits that best fit you and your

family’s needs.

This brochure provides a brief overview of the plan currently available to eligible full-time employees

following 3 months of active employment with Wesco. Unless otherwise noted, participation becomes

effective the first day of the month following 3 months of active employment provided that completed

paperwork is submitted within 31 calendar days of that date.

As you prepare to enroll in your 2017 benefits, complete the following steps:

• Review the information in this guide

• Discuss your benefits needs with your family to ensure you’re choosing the right coverage

• To add or remove a dependent from you current plan, complete the enrollment application and

email to benefits@wescoair.com

TABLE OF CONTENTS

1. ENROLLMENT INFORMATION | PAGE 2

2. DEPENDENT ELIGIBILITY | PAGE 3

3. OTHER BENEFITS | PAGE 4

4. HEALTHCARE INFORMATION | PAGE 5

5. DENTAL COVERAGE | PAGE 6

6. VISION COVERAGE | PAGE 7

7. GROUP RETIREMENT SAVINGS PLAN | PAGE 8

8. LIFE INSURANCE | PAGE 9

9. EMPLOYEE ASSISTANCE PROGRAM | PAGE 10

10. RATE INFORMATION | PAGE 11

11.CARRIER | PAGE 12

Have Questions?

We welcome your questions! HR-Benefits at

benefits@wescoair.com

Should you need to contact the carriers directly,

refer to page 11 for phone numbers and website

information.

This booklet highlights important features of

Wesco’s benefits for its benefit eligible employees.

While efforts have been made to ensure the

accuracy of the information presented, in the

event of any discrepancies your actual coverage

and benefits will be determined by the legal plan

documents and the contracts that govern these

plans. Benefit plans may be changed for any

reason, to the extent allowed by the law.

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ELIGIBILITY

All full-time employees working at least 30 hours per week are eligible for benefits coverage. Coverage for

full-time eligible employees will become effective on the first of the month following date of hire.

Eligible Dependents include:

• Your legal spouse, common law, or domestic partner

• Your child(ren), step-child(ren) and legally adopted child(ren). Child(ren) are eligible up to age 21

or age 26 if unmarried and a full-time student.

NEW EMPLOYEES

You are eligible to participate in the plan after 3 months of continuous employment. New employees are

eligible for coverage the first of the month following date of hire. If you have moved from a non-

benefits eligible status to a benefits eligible status, you will have 30 days from the new benefit eligible

status to complete your enrollment. All coverage becomes effective first of the month following completion

of the waiting period. To enroll or make changes, contact benefits@wescoair.com.

ENROLLMENT INFORMATION

QUALIFYING LIFE EVENT

The elections you make during your initial enrollment will remain in effect for the plan year (January 1,

2017- December 31, 2017). During that time, if your life or family status changes according to the

recognized events listed below, you are permitted to revise your benefits coverage to accommodate your

new status. Qualifying Life Event changes must be done within 31 days of the event date.

PRE-TAX DEDUCTIONS

Pre-Tax Dollars: Your insurance premiums are paid with money removed from your gross wages prior to

any tax calculations. This reduces your tax liability and is a more efficient way to pay for premiums. Because

premiums are deducted on pre-tax basis, you cannot drop or modify coverage mid plan year unless you

have a Qualifying Life Event.

Qualifying Life Events List

Marital Status Changes

• Marriage

• Death of spouse

• Divorce

• Spouse gains or loses coverage from

another source

• Spouse employer’s Open Enrollment

Covered Dependent Changes

• Birth or adoption of a child

• Death of dependent child

• Dependent becomes ineligible for

coverage

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DEPENDENT ELIGIBILITY VERIFICATION

Dependent Type Documentation

Spouse Marriage License or Certificate

Same-Sex Domestic Partner Affidavit of Domestic Partnership

Birth Child up to Age 26 Birth Certificate

Adopted Child up to Age 26 Adoption Certificate

Child up to Age 26 for Whom You Are

the Legal Guardian

Proof of legal guardianship

Child over the Age 26 who is disabled

for Whom You Are the Legal Guardian

Disabled form

It is Wesco’s responsibility to offer benefit plans that are compliant under federal law. The

Dependent Eligibility Verification is a requirement needed to ensure that Wesco’s benefit plans

cover people who qualify for coverage.

If you are not enrolled in any of the Wesco benefit plans, you DO NOT have to do anything further.

However, if you currently cover one or more dependents in any of the Wesco benefit plans, you MUST

complete this Dependent Eligibility Verification process.

For each new dependent (i.e. spouse or child(ren)) under Wesco’s benefits, you must provide the

appropriate documentation.

Verifying Dependent Eligibility: List of Acceptable Documents

For each dependent you are covering under Wesco’s benefits, you must provide appropriate

documentation. The list of documents below describes what will be accepted as proof of eligibility for each

type of dependent. Please do not send original documents, as they will not be returned—copies of

the documents are encouraged instead.

Return a copy of the requested documentation to benefits@wescoair.com or mail to:

Wesco-Benefits, 24911 Ave. Stanford, Valencia, CA 91355.

For all dependent types, provide the preferred documentation (see below).

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2017 WESCO BENEFIT PLANS

GREAT-WEST LIFE SUMMARY

BENEFIT NAME PLAN DETAILS

Healthcare ➢ Hospital Care – covered 100%

➢ Medical Supplies - 80% Coinsurance

➢ Deductible - Nil

Basic Life/ AD&D ➢ This coverage is provided at no cost. Employer paid premiums are

taxable benefits. Employees are covered under Basic life and AD&D

benefits at $25,000. This benefit reduces by 50% at age 65 and further

reduces to $5,000 at age 70.

Optional Life Insurance ➢ Employee and Spouse Optional Life is available in $10,000 units to a

maximum of $250,000, for you or your spouse, subject to approval of

evidence of insurability.

➢ If you are covered under this plan as both an employee and a spouse,

you are limited to the $250,000 maximum.

➢ Child Optional Life is available in $1,000 units to a $10,000 maximum.

Long Term Disability ➢ LTD provides income protection while seriously ill or if an injury or

accident occurs, which prevents an employee from working. The

waiting period is 119 days.

➢ Benefit amount is 66.7% of your monthly earnings to a maximum

benefit of $5,000 or 85% of your pre-disability take-home pay,

whichever is less.

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HEALTHCARE INFORMATION

REIMBURSEMENT LEVELS

Annual Deductible NIL

In-Canada Hospital

Global Medical Assistance

and Vision care expenses 100%

Out-Of-Country Care

Emergency Care Expenses 100%

Non-Emergency Care Expenses 50%

In-Canada Prescription

Drug Expenses 80% until $7,500 in benefits has been

paid in a calendar year & 100% for the remainder of the

calendar year

All Other Expenses 80%

COVERED EXPENSES WILL NOT EXCEED CUSTOMARY CHARGES

BASIC EXPENSE MAXIMUMS

Hospital Semi-private room

Home Nursing Care

• $10,000 for a maximum of 12 months per condition

In-Canada Prescription Drugs Included

Fertility Drugs

• $15,000 lifetime or as otherwise required by law

Hearing Aids $700 every 5 years

Incontinence Supplies $1,000 / calendar year

Custom-fitted Orthopedic Shoes

& Custom-made Foot Orthotics $300 every 12 months

Myoelectric Arms

• $10,000 per prosthesis

External Breast Prosthesis 1 every 12 months

Surgical Brassieres 4 every 12 months

Mechanical or Hydraulic Patient

Lifters $2,000 per lifter /every 5 years

Outdoor Wheelchair Ramps $2,000 lifetime

Blood-glucose Monitoring Machines 1 every 4 years

Transcutaneous Nerve Stimulators $700 lifetime

Extremity Pumps for Lymphedema $1,500 lifetime

Custom-made Compression Hose $400 / calendar year

Wigs for Cancer Patients $250 lifetime

Paramedical Expense Maximums$500 / calendar year benefit for the following:

• Chiropractors

• Massage Therapists

• Naturopaths

• Osteopaths

• Physiotherapists

• Podiatrists

• Psychologists

• Speech Therapists

Out-of-Country Expense MaximumsEmergency Care $5,000,000 lifetime

Non-Emergency Care $3,000 every 3 calendar years

Lifetime Healthcare Maximum Unlimited

Out-of-Pocket Maximum for

Quebec Residents

An out-of-pocket maximum is applied to in-province

expenses for drugs listed in the Liste de médicaments

published by the Régie de l'assurance-maladie du

Québec if you live in Quebec (provincial formulary

drug expenses). If the sum of the non-reimbursable

amounts you are required to pay for provincial

formulary drug expenses incurred for you and your

dependent children or for your spouse in a calendar

year reaches the maximum out-of-pocket level

established by law, the amount payable for provincial

formulary drug expenses incurred for the same

individuals for the rest of the calendar year will be

adjusted as follows:

1. Reimbursement will be made at 100%

2. No further out-of-pocket amounts will apply

The out-of-pocket maximum does not apply to drug

expenses incurred outside Quebec

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DENTAL PLAN INFORMATION

DENTAL CARE

The plan covers customary charges to the extent they do not

exceed the dental fee guide level shown in the Benefit

Summary.

All covered services and supplies must represent reasonable

treatment. Treatment is considered reasonable if it is recognized

by the Canadian Dental Association, it is proven to be effective,

and it is of a form, frequency, and duration essential to the

management of the person's dental health. To be considered

reasonable, treatment must also be performed by a dentist or

under a dentist’s supervision, performed by a dental hygienist

entitled by law to practise independently, or performed by a

denturist.

TREATMENT PLAN

Before incurring any large dental expenses, ask your dental

service provider to complete a treatment plan and submit it to

Great-West Life for an out-of-pocket cost summary.

REIMBURSEMENT LEVELSDeductible Nil

Basic Coverage 80%

• One complete oral examination every 36 months

• Limited oral examinations twice every 12 months, except that

only one limited oral examination is covered in any 12-month

period that a complete oral examination is also performed

Major Coverage 50%

Bridges, Crowns, Dentures

Accidental Dental Injury Coverage 100%

Plan Maximums

Basic Treatment $1,000 each calendar year

Major Treatment $1,000 each

calendar year

Accidental Dental Injury Treatment Unlimited

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VISION PLAN INFORMATION

VISION CARE EXPENSES MAXIMUMS

Eye Examinations

dependent children

under age 19 1 every 12 months to a maximum of $125

every 12 months

All others 1 every 24 months to a maximum of $125

every 24 months

Glasses, Contact Lenses and Laser Eye Surgery $200 every 24 months

Visual Training and Remedial Therapy $200 lifetime

PREFERRED VISION SERVICES (PVS)

Preferred Vision Services (PVS) is a service provided by Great-West Life to its customers through PVS which is a

preferred provider network company.

PVS entitles you to a discount on a wide selection of quality eyewear and lens extras (scratch guarding, tints, etc.)

when you purchase these items from a PVS network optician or optometrist. A discount on laser eye surgery can be

obtained through an organization that is part of the PVS network.

PVS also entitles you to a discount on hearing aids (batteries, tubing, ear molds, etc.) when you purchase these items

from a PVS network provider.

You are eligible to receive the PVS discount through the network whether or not you are enrolled for the healthcare

coverage described in this booklet. You can use the PVS network as often as you wish for yourself and your

dependents.

How to Use PVS:

• Call the PVS Information Hotline at 1-800-668-6444

• Or visit the PVS Web site at www.pvs.ca for information about PVS locations and the program

Arrange for a fitting, an eye examination, a hearing assessment or a hearing test, if needed

Present your group benefit plan identification card, to identify your preferred status as a PVS member through Great-

West Life, at the time the eyewear or the hearing aid is purchased, or at the initial consultation for laser eye surgery.

Pay the reduced PVS price. If you have vision care coverage or hearing aids coverage for the product or service,

obtain a receipt and submit it with a claim form to your insurance carrier in the usual manner.

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GROUP RETIREMENT SAVINGS PLAN

Wesco offers employees a competitive group retirement savings plan (GRSP) to help save for future

retirement benefits with financial contributions from the company. Wesco’s plan is held by RBC

Royal Bank Group Financial Services. Enrollment eligibility is available to full-time employees who

have completed 6 months of service with the company.

GROUP RETIREMENT SAVINGS PLAN (GRSP)

Eligibility

Requirements

Enrollment eligibility is available to full-time employees who have

completed 6 months of service with the company.

Employee

Contributions

You may contribute between 1% and 18% of your previous years base

pay on a pretax basis up to a maximum of $26,010

Company Matching Wesco contributes 50 cents for each dollar

that you contribute to the plan, up to the first

6% of your eligible pay. Wesco’s contribution

is a taxable benefit.

Vesting Employee Deferrals 100%

Company Matching

Schedule

For Wesco contributions, you are 100%

vested after six years of service. After two

years of service, you become 20% vested

each subsequent year.

Rollovers You can rollover funds from a prior qualified plan at any time.

Withdrawals Withdrawing money from the company’s contribution to your group

savings plan account requires company’s consent (penalties may apply).

ENROLLMENT OPTIONS

By Phone - the following information describes the process you will need to follow to access your

account by phone:

1. Dial 1-800-ROYAL® 1-1 (1-800-769-2511)

2. Select the option to create a new account

3. Choose investments options

4. Sign the forms in your enrollment kit

5. Return signed completed forms to RBC

6. Provide a copy of your application to HR/Benefits

By RBC Branch location - setup a group savings account

1. Choose investment options

2. Complete necessary forms

3. Provide a copy of your application to HR/Benefits

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LIFE/AD&D AND DISABILITY INSURANCE

BASIC LIFE INSURANCE

Great-West Life life insurance benefits go to your

named beneficiary. If you have not named a

beneficiary or there is no surviving beneficiary,

payment will be made to your estate. Your

employer will explain the claim requirements to

your beneficiary.

If you become disabled while insured, Great-West

Life may waive the premiums on your life insurance

after the waiting period, throughout the benefit

period.

The waiting period is the same as the waiting

period under the long term disability income

benefit. A benefit period is the period of time after

the waiting period during which you satisfy the

disability definition under the long term disability

income benefit. A benefit period will not continue

past your 65th birthday.

If any or all of your insurance terminates on or

before your 65th birthday, you may be eligible to

apply for an individual conversion policy without

providing proof of your insurability. You must

apply and pay the first premium no later than 31

days after your group insurance terminates. See

your employer for details.

VOLUNTARY OPTIONAL LIFE INSURANCE

Optional Life Insurance allows you to choose

additional coverage for yourself, your spouse and

your children.

• Units of $10,000 to a maximum of $250,000

available coverage option

• All amounts of optional life will be subject to

evidence of insurability

This benefit terminates at age 65 or retirement. For

spouse, the benefit terminates at the earlier of age

65, employee’s attainment of age 65, or employee’s

retirement.

ACCIDENTAL DEATH, DISMEMBERMENT AND

SPECIFIC LOSS (AD&D) INSURANCE

If you suffer one of the losses listed below as the

result of an accident which occurs while you are

insured, you will be paid the factor or portion of

the Principal Sum shown opposite the loss in the

table below. The loss must occur no later than 365

days after the accident. For loss of use, the loss

must be continuous for 365 days. If you suffer

multiple losses to the same limb as the result of the

same accident, only the loss providing the highest

amount payable will be paid.

The Principal Sum is the maximum amount that will

be paid for all injuries resulting from the same

accident. For paraplegia, hemiplegia, and

quadriplegia, the maximum amount that will be

paid for all injuries resulting from the same

accident is two times the Principal Sum.

LONG TERM DISABILITY (LTD) INCOME

BENEFITS

Waiting Period 119 days

Benefit Amount 66.7% of your monthly earnings

to a maximum benefit of $5,000 or 85% of your

pre-disability take-home pay, whichever is less.

The plan provides you with regular income to

replace income lost because of a lengthy disability

due to disease or injury. Benefits begin after the

waiting period is over and continue until you are no

longer disabled as defined by the policy or you

reach age 65, whichever comes first.

• If disability is not continuous, the days you are

disabled can be accumulated to satisfy the

waiting period as long as no interruption is

longer than 2 weeks and the disabilities arise

from the same disease or injury.

• LTD benefits are payable for the first 24 months

following the waiting period.

• Because you pay the entire cost of LTD

coverage, benefits are not taxable.

OTHER INCOME

Your LTD benefit is reduced by other income, such

as retirement benefits or workers’ compensation

while you are disabled

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EMPLOYEE ASSISTANCE PROGRAM

The Contact Employee Assistance Program provides

you and your dependents with access to confidential

counselling and information services.

The services provided under the Contact Employee

Assistance Program are available 24 hours a day, 7

days a week by dialing the toll-free number shown

below. Intake counsellors are available to provide

immediate support and counselling or you may

schedule an appointment.

For service in English: 1-800-387-4765

For service in French: 1-800-361-5676

For more information on the services available under

the Contact Employee Assistance Program, please see

the employee assistance program brochure provided

by your plan administrator or visit the employee

assistance program: www.shepellfgi.com.

DIAGNOSTIC AND TREATMENT SUPPORT

SERVICES (BEST DOCTORS® SERVICE)

This service is designed to allow access to the expertise

of specialists, resources, information and clinical

guidance.

You and your covered dependents can access this

service if the physician has made a diagnosis of a

serious physical illness or condition for which there is

objective evidence, or if the covered person or his or

her physician suspects that the person has this illness

or condition. This service is made up of a unique step-

by-step process that may help address questions or

concerns about a serious physical illness or condition.

This may include confirming the diagnosis and

suggesting the most effective treatment plan by

drawing on a global database of up to 50,000 peer-

ranked specialists.

How it works

Access diagnostic and treatment support services by

calling 1-877-419-BEST (2378) toll-free.

The person accessing the service will be connected

with a member advocate who will be dedicated to his

or her case and will provide support through the

process.

If it is appropriate, the member advocate may

arrange for an in-depth review of the covered

person’s medical file to assist in confirming the

diagnosis and help develop a treatment plan. This

review may include collecting, deconstructing and

reconstructing medical records, pathology

retesting and analyzing test results. A written

report outlining the conclusions and

recommendations of the specialists will be

forwarded to the person accessing the service.

Generally, this process takes 6 to 8 weeks.

If the covered person decides to seek treatment

outside Canada, the member advocate can

arrange referrals and can help book

accommodations. The member advocate can also

assist in accessing hospital and physician

discounts, arrange for the forwarding of medical

information and monitor the treatment process.

Expenses incurred for travel and treatment are

not covered by this service.

The member advocate may provide information,

resources, guidance and advice individually

tailored to meet the covered person’s health

needs, and can help identify individual community

supports and resources available.

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HEALTH INSURANCE PER-PAYCHECK DEDUCTIONS

GREAT-WEST LIFE

HEALTHCARE

Single Coverage Family Coverage

$8.65 per paycheck $20.11 per paycheck

* Premiums exclude provincial sales tax (8% Toronto and 9% Quebec)

GREAT-WEST LIFE

VOLUNTARY LIFE INSURANCE

Age Band Smoker Non-Smoker

<25 0.083 0.052

25 – 29 0.077 0.047

30 – 34 0.101 0.058

35 – 39 0.137 0.078

40 – 44 0.198 0.113

45 – 49 0.315 0.177

50 – 54 0.583 0.324

55 – 59 1.066 0.578

60 – 65 1.524 0.806

Monthly rates per $1,000 of coverage. The rate is subject to change on the

policy anniversary date based on the following:

1. the birth date nearest the policy anniversary date; or

2. the attained age as of the policy anniversary date.

GREAT-WEST LIFE

Long-Term Disability

Premium Rate $1.51 (per $100)*

*Premiums will include provincial sales tax (8% Toronto and 9% Quebec).

The disability benefit payments received while on LTD will be non-taxable.

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CARRIER INFORMATION AND

IMPORTANT PHONE NUMBERS

GREAT-WEST LIFE

Group Policy # 168557 and 168558

As a Great-West Life plan member, you can also

register for Group Net™ for Plan Members at

www.greatwestlife.com.

To access this service, click on the Group Net for Plan

Members link. Follow the instructions to register.

Make sure to have your plan and ID numbers available

before accessing the website.

This service enables you to access the following

24 hours / 7 days a week:

• Your benefit details and claims history

• Personalized claim forms and cards

• Online claim submission for many of your claims, as

outlined in the Healthcare and Dentalcare sections

of this booklet

• Extensive health and wellness content

MEDICAL AND DENTAL COVERAGE

1-800-957-9777

www.greatwestlife.com

PREFERRED VISOIN SERVICES

1-800-668-6444

www.pvs.ca

EMPLOYEE ASSISTANCE PROGRAM

For service in English: 1-800-387-4765

For service in French: 1-800-361-5676

www.shepellfgi.com

Diagnostic and Treatment Support Services

1-877-419-BEST (2378)

GROUP RETIREMENT SAVINGS PLAN

RBC Bank

Group Policy 11003

www.rbcinvestments.com/gfs

1-800-769-2511

WESCO’S HR – BENEFITS TEAM

benefits@wescoair.com

Notes:

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