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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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