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Life Insurance and Related Plans

Basic Group Life Insurance
  All DE MD ND NU OP PH PS SW VM
  #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc.
 
Total 841 129,311 * * 32 321 532 2,194 816 107,470 611 8,674 468 2,978 352 1,603 573 6,046 * *

Plan provided1
Yes 839 129,163 * * 32 321 532 2,194 814 107,384 609 8,653 468 2,978 352 1,603 571 6,005 * *
No * * - - - - - - * * * * - - - - * * - -

Participation of eligible employees
Compulsory 830 127,707 * * 30 302 527 2,192 806 105,973 609 8,653 468 2,978 352 1,603 570 5,981 * *
Voluntary 10 1,456 - - * * * * 8 1,411 - - - - - - * * - -

Coverage formula
Uniform amount 357 35,380 - - - - 49 175 357 33,798 65 815 43 194 22 63 64 335 - -
Percentage of salary 660 68,178 * * 25 275 454 1,792 407 50,328 497 6,968 379 2,256 312 1,474 462 5,075 * *
Coverage - choice of uniform amount or percent of salary 87 25,219 - - 6 23 28 226 87 22,940 45 864 45 528 17 43 44 595 - -
Varies - - - - - - - - - - - - - - - - - - - -
Other formula * * - - * * * * * * * * * * * * - - * *
1In accordance with their collective agreements, all full-time employees working in the province of Quebec are also covered by a Life Insurance Plan in the amount of $6,400. The premium for this plan is entirely paid by the Employer. This plan is in addition to the mandatory one which is reflected in the above data.

Coverage - Uniform amount
$5,000 249 24,210 - - - - - - 249 24,210 - - - - - - - - - -
$25,000 7 47 - - - - - - 7 47 - - - - - - - - - -
$50,000 100 11,087 - - - - 49 175 100 9,505 65 815 43 194 22 63 64 335 - -
$100,000 7 35 - - - - - - 7 35 - - - - - - - - - -

Coverage - Percentage of salary
100% 340 35,830 * * 17 210 197 1,081 121 24,313 258 4,542 170 1,331 235 1,254 221 3,089 * *
200% 320 31,681 - - * * 240 661 284 25,684 232 2,272 203 869 71 204 241 1,986 * *
300% to 400% 41 667 - - 8 61 17 49 29 332 7 154 6 56 6 16 - - - -

Coverage - Choice of uniform amount or percent of salary
$5,000 or twice annual rate of earnings 74 24,752 - - 6 23 28 226 74 22,473 45 864 45 528 17 43 44 595 - -

Employer's contribution to the premium - Percentage
0% 266 32,928 - - * * 120 540 251 25,598 169 2,752 92 734 172 1,068 147 2,218 - -
28% to 50% 42 2,346 - - * * 24 73 16 1,613 17 199 23 98 12 56 21 283 - -
65% to 67% 45 4,694 - - - - 18 45 43 4,222 14 203 7 47 13 55 19 108 * *
75% 70 8,445 * * - - 41 209 70 6,700 59 668 59 424 48 81 59 360 - -
85% 6 162 - - - - - - - - 6 81 6 29 - - 6 52 - -
100% 399 75,311 - - 29 279 268 1,211 391 64,742 285 4,516 222 1,505 107 343 259 2,706 * *

Maximum coverage
Yes 473 59,965 * * 12 107 332 1,341 445 49,145 349 4,584 284 1,659 150 406 348 2,705 * *
No 431 69,197 - - 20 214 200 853 402 58,239 261 4,069 185 1,319 203 1,197 224 3,300 * *

Maximum amount of coverage2
$25,000 to $75,000 95 11,397 - - - - 50 177 94 9,590 67 850 43 194 23 65 65 521 * *
$125,000 to $250,000 178 10,388 - - - - 119 191 157 8,578 109 564 92 240 35 122 104 693 - -
$300,000 to $475,000 77 10,537 - - 10 80 54 200 39 8,614 53 856 46 343 13 13 46 432 - -
$500,000 111 19,200 * * * * 78 622 108 15,363 81 1,672 75 707 55 111 84 719 - -
$650,000 to $720,000 10 660 - - - - 10 11 10 484 10 131 5 11 - - 10 23 - -
$1,000,000 to $1,300,000 45 7,782 - - * * 30 141 44 6,516 29 512 22 165 23 96 38 316 * *
2Maximum coverage is sometimes a combined maximum for the Basic Group Life and the Supplementary Group Life Insurance.

Supplementary Group Life Insurance
  All DE MD ND NU OP PH PS SW VM
  #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc.
Total 841 129,311 * * 32 321 532 2,194 816 107,470 611 8,674 468 2,978 352 1,603 573 6,046 * *

Plan provided

As an optional supplemental insurance 669 113,845 * * 31 298 431 1,911 641 94,257 507 7,587 403 2,726 328 1,514 474 5,539 * *
No 200 15,466 - - * * 110 283 183 13,212 103 1,087 65 252 25 89 99 508 * *

Participation of eligible employees
Compulsory 9 517 - - - - 9 31 9 455 - - - - - - 9 31 - -
Voluntary 660 113,328 * * 31 298 422 1,880 632 93,802 507 7,587 403 2,726 328 1,514 465 5,508 * *

Coverage formula
Uniform amount 9 37 - - - - 9 37 - - - - - - - - - - - -
Percentage of salary 91 15,100 * * - - 54 274 79 12,536 72 867 78 516 60 109 73 795 - -
Unit Purchase Plan 500 57,506 - - 11 67 185 687 477 51,491 186 2,577 165 805 66 211 196 1,668 * *
Varies by age - 54 years old and under: One, two or three times the annual salary, 55-59 years old: Two times the annual salary, 60-64: One time the annual salary 17 744 - - - - 17 63 11 295 17 248 12 46 - - 11 92 - -
Other 314 40,457 - - 20 231 166 850 98 29,935 234 3,895 151 1,360 203 1,194 196 2,983 * *

Coverage - Percentage of salary
100% 84 10,070 * * - - 48 229 67 7,965 65 711 72 460 54 94 72 609 - -
200% 6 2,269 - - - - 6 46 6 1,999 6 153 6 56 6 16 - - - -

Coverage - Unit purchase plan
Units of $10,000 211 22,940 - - 4 7 166 450 190 18,352 175 1,805 159 760 64 198 177 1,367 * *
Units of $25,000 23 582 - - 7 60 9 31 16 460 - - - - - - 9 31 - -
Units of $5,000, $10,000, $15,000, $25,000, $50,000, $75,000 or $100,000 249 24,210 - - - - - - 249 24,210 - - - - - - - - - -

Coverage - Other
One or two times the annual earnings 18 7,171 - - 13 172 18 122 16 6,304 18 321 14 128 12 62 * * - -
One, two or three times the annual earnings 300 33,786 - - 8 59 152 769 86 24,293 207 3,554 125 1,145 180 1,107 183 2,850 * *
Other * * - - - - - - - - - - - - - - * * - -

Employer's contribution to the premium - Percentage
0% 665 113,573 * * 17 125 431 1,911 638 94,244 504 7,507 403 2,726 324 1,510 474 5,539 * *
50% 17 271 - - 14 173 - - * * * * - - * * - - - -

Maximum coverage3
Yes 645 101,685 * * 29 279 281 1,280 632 90,888 299 4,284 271 1,819 137 379 293 2,752 * *
No 270 12,160 - - * * 150 632 28 3,369 210 3,303 134 908 191 1,135 183 2,787 * *
3Maximum coverage is sometimes a combined maximum for the Basic Group Life and the Supplementary Group Life Insurance.

Maximum amount of coverage
$100,000 249 24,210 - - - - - - 249 24,210 - - - - - - - - - -
$150,000 to $475,000 153 24,040 - - 9 43 65 172 152 21,596 64 880 59 411 35 106 73 832 - -
$500,000 254 52,814 * * 20 236 205 1,050 231 44,986 223 3,205 201 1,311 96 258 209 1,763 * *
$650,000 6 209 - - - - 6 12 6 41 6 46 6 41 - - 6 70 - -
$2,500,000 6 325 - - - - 6 46 6 55 6 153 6 56 6 16 - - - -

Accidental Death and Dismemberment Insurance
  All DE MD ND NU OP PH PS SW VM
  #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc.
Total 841 129,311 * * 32 321 532 2,194 816 107,470 611 8,674 468 2,978 352 1,603 573 6,046 * *

Plan provided

As an optional supplemental insurance 298 17,945 - - * * 179 766 63 8,980 232 3,782 44 392 212 1,179 221 2,828 - -
Under the Basic Group Life Insurance Plan 736 104,628 * * 30 302 313 1,336 728 93,598 345 4,602 295 1,748 133 382 304 2,655 * *
No 154 6,737 - - * * 40 91 39 4,891 35 291 131 838 8 42 49 563 * *

Employer's contribution to the premium

Stated as a percentage 551 66,604 - - 11 103 318 1,213 517 53,798 375 5,415 161 957 273 1,382 342 3,736 - -
Funded under the Basic Group Life Insurance Plan 267 48,799 * * 8 45 156 768 264 42,477 185 2,648 164 1,056 60 117 180 1,683 * *
Other - Basic plan is 100% paid by the employer but Supplementary and Option plans are paid entirely by the employee 18 7,171 - - 13 172 18 122 16 6,304 18 321 14 128 12 62 * * - -

Percentage of premium paid by employer

0% 321 41,480 - - * * 160 744 306 33,167 208 3,429 33 305 194 1,148 197 2,668 - -
50% to 66% 15 71 - - * * * * 13 47 * * - - * * - - - -
100% 217 23,276 - - 9 84 146 465 198 18,806 165 1,985 129 651 78 216 145 1,069 - -
200% 7 12 - - - - - - 7 12 - - - - - - - - - -

Dependants Life Insurance
  All DE MD ND NU OP PH PS SW VM
  #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc.
Total 841 129,311 * * 32 321 532 2,194 816 107,470 611 8,674 468 2,978 352 1,603 573 6,046 * *

Plan provided
As an optional supplemental insurance 485 79,932 * * 18 233 308 1,406 453 65,451 380 5,827 278 1,849 253 1,293 334 3,870 - -
Under the Principal Insurance Plan 145 8,327 - - 9 65 71 208 110 6,543 51 641 42 211 24 92 60 559 * *
No 323 41,052 - - 6 23 153 580 293 35,476 181 2,207 150 917 76 218 181 1,618 * *

Spouse or common-law - Coverage formula
Flat dollar amount 456 44,505 - - 22 252 130 379 443 41,591 105 949 90 377 32 168 100 781 * *
Other 374 43,753 * * 4 46 250 1,235 121 30,403 326 5,518 230 1,684 245 1,217 294 3,648 - -

Coverage - Flat dollar amount

$0 249 24,210 - - - - - - 249 24,210 - - - - - - - - - -
$2,000 to $7,000 56 2,369 - - * * 22 46 52 2,229 * * - - * * * * * *
$10,000 133 10,755 - - 9 79 90 212 126 8,848 86 597 76 249 18 77 95 694 * *
$12,000 18 7,171 - - 13 172 18 122 16 6,304 18 321 14 128 12 62 * * - -

Coverage - Other

25% or 50% of employee's custom optional life benefits 5 364 - - - - 5 6 5 250 5 91 - - - - 5 17 - -
Units of $10,000 to a maximum of $250,000 59 8,440 * * - - 41 209 59 6,694 59 668 59 424 48 81 59 360 - -
Units of $10,000 to a maximum of $300,000 * * - - - - - - * * * * - - * * - - - -
Units of $10,000 to a maximum of $400,000 and maximum of 5 times annual salary 6 870 - - - - - - 6 708 6 81 6 29 - - 6 52 - -
Units of $10,000 to a maximum of $500,000 72 15,306 - - - - 72 273 36 12,933 72 1,046 67 451 18 26 67 577 - -
Units of $5,000 from a minimum of $25,000 to a maximum of $100,000 92 734 - - - - - - - - - - 92 734 - - - - - -
Units of $5,000 to a maximum of $50,000 221 15,626 - - - - 130 746 10 7,766 179 3,524 5 45 174 1,081 156 2,464 - -
Other 5 2,340 - - * * * * 4 2,046 * * * * * * * * * *

Dependent child - Coverage formula

Flat dollar amount 500 64,921 - - 24 274 268 1,015 467 53,472 301 4,261 200 1,366 204 1,236 268 3,288 * *
Other 139 23,338 * * * * 111 599 97 18,521 130 2,206 120 694 73 149 126 1,141 - -

Coverage - Flat dollar amount

$0 22 7,277 - - - - 22 93 17 6,358 22 456 11 145 - - 17 226 - -
$1,000 46 2,228 - - - - 7 5 46 2,206 - - - - * * - - * *
$2,500 to $3,000 333 36,906 - - * * 188 660 317 28,811 231 3,017 153 875 173 1,070 207 2,472 - -
$4,000 to $6,000 76 6,861 - - 11 101 29 95 66 5,658 25 363 16 108 19 95 35 439 * *
$12,000 18 7,171 - - 13 172 18 122 16 6,304 18 321 14 128 12 62 * * - -

Coverage - Other
$1,000 if 14 days old or less, $10,000 if more than 14 days old 6 870 - - - - - - 6 708 6 81 6 29 - - 6 52 - -
Lump sum of $5,000 214 7,358 - - - - 120 540 * * 169 2,752 92 734 172 1,068 146 2,194 - -
Units of $10,000 to a maximum of $50,000 6 2,356 - - - - 6 46 6 1,999 6 153 6 56 6 16 6 87 - -
Units of $10,000 to a maximum of $500,000 6 226 - - - - 6 17 - - 6 99 6 46 6 6 6 58 - -
Units of $2,000 to a maximum of $20,000 21 9,172 - - - - 21 229 9 7,696 21 852 15 73 * * 21 310 - -
Units of $5,000 to a maximum of $20,000 13 907 - - - - 13 20 13 691 13 120 13 25 6 5 13 45 - -
Units of $5,000 to a maximum of $25,000 59 8,440 * * - - 41 209 59 6,694 59 668 59 424 48 81 59 360 - -
Other * * - - * * * * * * * * * * * * * * - -

Employer's contribution to the premium
Stated as a percentage 571 82,838 * * 25 294 350 1,516 507 67,663 407 6,080 304 1,952 258 1,309 360 4,013 * *
Funded under the Basic Group Life Insurance Plan 57 5,421 - - * * 30 97 55 4,331 24 387 16 108 18 77 34 415 * *
Flat dollar amount - - - - - - - - - - - - - - - - - - - -
Varies - - - - - - - - - - - - - - - - - - - -

Percentage of premium paid by employer

0% 490 73,282 * * * * 320 1,391 436 59,152 384 5,671 290 1,824 242 1,241 356 3,950 * *
50% 29 7,297 - - 14 173 24 124 26 6,341 22 402 14 128 15 66 * * - -
100% 53 2,037 - - 9 79 * * 45 1,947 * * - - * * - - - -

Permanent disability - Plan provided

Yes 125 16,980 - - 16 195 74 268 116 14,601 57 889 44 303 38 156 53 567 * *
No 504 71,279 * * 11 103 306 1,345 446 57,393 375 5,578 276 1,758 239 1,229 340 3,862 * *

Provisions for permanent disability

Lump sum payment of the policy amount - - - - - - - - - - - - - - - - - - - -
Lump sum payment of another amout - - - - - - - - - - - - - - - - - - - -
Premiums waived only 123 16,820 - - 16 195 72 243 116 14,601 55 828 42 261 36 143 51 548 * *
Other * * - - - - * * - - * * * * * * * * - -

Post Retirement Life Insurance

  All DE MD ND NU OP PH PS SW VM
  #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc. #Est. #Inc.
Total 841 129,311 * * 32 321 532 2,194 816 107,470 611 8,674 468 2,978 352 1,603 573 6,046 * *

Plan provided
Yes 148 49,476 - - 10 83 93 663 144 43,626 108 2,446 101 991 29 126 103 1,533 * *
Yes, but only in early retirement situations 39 6,601 - - - - 30 114 39 5,470 27 395 27 144 23 88 39 391 - -
No 691 73,233 * * 22 238 419 1,417 639 58,374 476 5,832 340 1,843 300 1,389 431 4,123 * *

Coverage formula
Uniform amount 129 17,334 - - * * 69 236 123 15,016 78 971 62 329 25 112 83 645 * *
Uniform amount reduced on attainment of specified age - Maximum of $45,000 until age 65 6 90 - - - - 6 5 6 45 6 35 6 5 - - - - - -
Percentage of salary reduced on attainment of specified age 45 5,125 - - * * 29 96 43 4,222 22 352 16 108 17 75 34 253 - -
Insurance decreases each year until a minimum amount is obtained or coverage ceases * * - - * * * * * * * * * * * * * * - -
Other 243 49,630 - - 8 25 83 602 231 44,473 98 2,238 92 850 29 71 101 1,370 - -

Coverage - Uniform amount
$2,000 to $10,000 42 6,289 - - * * 19 61 36 5,552 13 156 18 135 * * 19 310 * *
$50,000 87 11,046 - - - - 49 175 87 9,464 65 815 43 194 22 63 64 335 - -

Coverage - Percentage of salary reduced on attainment of specified age
Reduced by 20% each year beginning at the earlier of the retirement age or age 65 (Terminates at age 69 with option to convert) 43 5,083 - - - - 29 96 43 4,222 22 352 16 108 17 75 33 229 - -
Other * * - - * * - - - - - - - - - - * * - -

Coverage - Other

$200 for each completed year of service to a maximum of $3,000 6 870 - - - - - - 6 708 6 81 6 29 - - 6 52 - -
$300 for each completed year of service to a maximum of $4,500 205 38,121 - - 6 23 66 414 205 34,242 83 1,651 73 785 23 58 78 947 - -
10% of salary at retirement with a minimum of 15 years of service 9 517 - - - - 9 31 9 455 - - - - - - 9 31 - -
Same coverage as before retirement until age 65 20 1,543 - - - - 7 20 8 1,270 7 43 13 35 7 13 8 162 - -
Other * * - - - - * * * * * * - - - - * * - -

Employer's contribution to the premium
Funded under Basic Group Life as paid up insurance code 364 53,867 - - 8 42 160 683 337 47,794 170 2,542 139 1,049 52 176 183 1,581 - -
Percentage of Premium cost 81 18,827 - - 4 43 29 283 72 16,280 38 1,122 40 285 22 101 37 706 * *

Percentage of premium paid by employer
0% 45 13,991 - - * * 17 207 42 12,535 19 733 10 89 15 56 18 328 - -
100% 36 4,836 - - * * 12 76 30 3,745 18 388 30 196 7 45 18 378 * *

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