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	2010-12 Insurance Brochure Insurance Renewal 2012 Your Insurance Program Commencement of Benefits Insurance Eligibility Eligibility Termination Benefits Termination Conversion of Life or Critical Illness Determining Your Level of Benefits Insurance Account Premium Subsidies Benefit Level Calculation Option to Maintain Senior Members Grandfathered Fraternal Seniors' Fraternal Benefits Prov. Precription Drug Programs Statement of Insurance Dependant Coverage Eligible First-Time Dependants Additional Dependants Removing Dependants Québec Regulations Coordination of Benefits Options to Opt-Out Continuation of Benefits Your Claim Card Claim Card Information Submitting Claims Electronic Claims Paper Claims Extended Health Care Dental Care Prescription Drug Coordination of Claim Payment Weekly Income Benefit Group Life and AD&D Basic Critical Illness Privacy Statement Disclaimer Benefits At-A-Glance Base Level Benefits Bronze Level Benefits Silver Level Benefits Gold Level Benefits Prescription Drug Eligible Drugs Special Authorization Ineligible Drugs Program Limits Coverage Amounts Extended Health Care (EHC) Important Information Eligible Expenses Ineligible Expenses Annual Claim Amounts Covered EHC Expenses Dental Care Program Reimbursement Pre-Authorization Dental Injury/Accident Ineligible Expenses Annual Claim Amounts Dental Formulary Grandfathered Senior Health Care Top-Up Top-Up Provision Top-Up Limitations Eligible Expenses Weekly Income Replacement Benefits Eligibility Coverage Disability Recurs Benefit Payments When Benefits Are Not Paid Member and Family Assistance Program What is MFAP? Eligibility (MFAP) Benefits (MFAP) How to Access the (MFAP) Program Group Life and AD&D Coverage Amounts Living Benefits Waiver of Premium In Event of Your Death Covered Losses AD&D When AD&D Not Paid AD&D Limit of Indemnity Beneficiary Designation Basic Critical Illness What is Critical Illness Eligibility Benefit Amount Covered Conditions Advanced Care Conditions of Payment Limitations & Exclusions Termination Submitting Claims Definitions of Covered Conditions Important Information LifeSpeak On Demand Rexall Network Mail Order Pharmacy

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