11.01       The company shall pay the premiums for insurance policies or plans to provide the following benefits to employees who have qualified:

1. Life Insurance and A.D.&D. insurance for active employees - $65,000.00.
   
   
2. Group Life insurance Policy in an amount equal to 10% of the Policy referred to in (a) above at retirement.
   
   
3. MSP, extended health and prescription plan. The rules of operation and limitations of usage shall be clearly defined and explained to each eligible employee.
   
   
4. A dental health plan to include coverage as follows:

                                                 Maximum
   (i)    Basic                     100%     $2,000.00 yearly
   (ii)   Endodontic/Periodontics   100%     $2,000.00 yearly
   (iii)  Denture/Denture Repair     80%     $2,000.00 yearly
   (iv)   Crowns/Bridges             80%     $2,000.00 yearly
   (v)    Orthodontics               50%     $3,000.00 lifetime
   

5. Short Term Disability for sickness and accident of not less than the percentage of wage rate used by the Workers’ Compensation Board or 75% of the employee’s current wage rate, whichever is the greater. The employees shall receive current indemnity calculated for not less than twenty-six weeks. Benefits payable commencing on the fourth day of illness and from the first day of accident will be paid to the employee by the carrier. If an employee, through no fault of his/her own, is experiencing a delay of more than one complete pay period in obtaining payment, the Company will make a payroll advance provided acceptable arrangements for reimbursement have been made.
   
   
6. Long Term Disability. Should the disability continue beyond the twenty-six weeks covered by Weekly Indemnity, the Long Term Disability Plan will commence on the twenty-seventh week and will continue until recovery or regular retirement whichever comes first. The Long Term Disability Plan will provide the payment of 66-2/3% of wages (wage rate at the end of Weekly Indemnity times forty hours), and include a standard offset clause integrating payments such as Canada Pension Plan and Workers Compensation benefits.
   
   
7. Eyeglasses (Employees and dependants - immediate family). Expenses incurred relative to the purchase of prescribed lenses and frames or contact lenses may be claimed upon presentation of a receipted bill up to a maximum of $250.00 every twenty-four months. The employee shall have the option of applying this benefit towards the cost of laser surgery should the employee so wish providing proof of surgery is given to the Company.
   
   
8. Hearing Aids. Expenses incurred relative to the purchase of hearing aids for employees and dependants (immediate family) up to the age of sixty-five, when prescribed, to a maximum of up to $500.00 per person per four year period. Coverage not to include repairs or maintenance.

11.02       The cost of this Plan shall be on a non-contributory basis with the Company contributing not less than 100%.

11.03       Benefit coverage shall not continue when an employee is not actively employed, except:

1. Benefits to continue in full force and effect for the first ninety days of layoff.
   
   
2. Employees who are on WCB, weekly indemnity or long term disability shall have their benefits reduced after thirty months of disability to:
   
   
   1. Life insurance and A.D.&D. shall continue at the levels in effect at the date the disability commenced.
      
      
   2. Basic medical coverage (MSP).
      
      
   3. Dental coverage reduced to Plan A with annual maximum of $1,000.00.