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2019 BENEFITS GUIDE

CANADA

INTRODUCTION

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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 2019 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 your plan, complete the enrollment application and email

to benefits@wescoair.com

Access the benefit enrollment form through HRConnectBenefits.com/CA

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 want to hear from you!

Contact 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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ENROLLMENT INFORMATION

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.

QUALIFYING LIFE EVENT

The elections you make during your initial enrollment will remain in effect for the plan year (January 1 - December 31). 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.

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

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.

DEPENDENT ELIGIBILITY VERIFICATION

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 Avenue Stanford, Valencia, CA 91355.

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

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

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2019 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 maximum of $10,000.

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

COVERED EXPENSES WILL NOT EXCEED CUSTOMARY CHARGES

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%

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

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 Maximums Emergency Care $5,000,000 lifetime Non-Emergency Care $3,000 every 3 calendar years

Lifetime Healthcare Maximum Unlimited

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DENTAL PLAN INFORMATION

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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 practice 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 LEVELS Deductible 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.

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.

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 8

LIFE/AD&D AND DISABILITY INSURANCE

BASIC LIFE INSURANCE

Great-West 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 9

EMPLOYEE ASSISTANCE PROGRAM

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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 Long-Term Disability

Premium Rate $1.88 (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.

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.

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CARRIER INFORMATION

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

GROUP RETIREMENT SAVINGS PLAN RBC Bank Group Policy #006190 www.rbcinvestments.com/gfs 1-800-769-2511

WESCO’S HR – BENEFITS TEAM benefits@wescoair.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)

Notes:

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