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Benefit plan for non-operating employees of Canadian Pacific Railways Canadian Pacific Railway Company 1956

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 BENEFIT PLAN
FOR
NON-OPERATING
EMPLOYEES
OF
CANADIAN PACIFIC
RAILWAYS
BRITISH COLUMBIA  YOUR
BENEFIT
PLAN
This booklet describes benefits for each
Canadian Pacific Participating Employee whose home is
in the Province of British Columbia YOUR    PLAN    PROVIDES
See Page
WEEKLY INDEMNITY >. 7
up to $40
LIFE INSURANCE >_       11
$500
SURGICAL-MEDICAL AND
"OTHER"  BENEFITS >-        23 FOREWORD
This booklet has been prepared under the direction of the Employee
Benefit Plan Committee representing the five Railways and fifteen
Non-Operating Unions listed on page 34 to describe the benefits
which are available under the Employee Benefit Plan.
The Plan applies to each Non-Operating Railway employee
covered by the Master Agreement dated May 16th, 1956, who is
defined as a Participating Employee in the Supplemental Agreement.
The definition of Participating Employee, as it appears in the
Supplemental Agreement, is given on page 32 of this booklet.
The Plan, which became effective on January 1st, 1957 provides
Weekly Indemnity and Life Insurance for Participating Employees,
and Surgical-Medical as well as "Other" benefits for Participating
Employees and eligible dependents.
All benefits and conditions described in this booklet are subject
to the terms and conditions set forth in the Insurance Policies and Master
Contract effected by the Employee Benefit Plan Committee with the
Underwriters.
You will see that this booklet refers only to benefits for Canadian
Pacific employees in the Province of British Columbia. Separate booklets
have been prepared for other employees in certain provinces, where
required for the sake of clarification, as different Underwriters are
administering the benefits.
If you require any further explanation of the benefits described
in this booklet or require any help in connection with obtaining the
benefits available under the Plan, please get in touch with your
Employing Officer or the Local Chairman of your Union. (fac&tal (2*HdCUoH&
Eligibility and Commencement of Coverage
You become eligible for protection under this Plan when you have
completed the waiting period and fulfilled the other requirements set
out in the definition of Participating Employee.
As a member of this Plan your coverage becomes effective on
the first day you are actually at work during a month in which $4.25 is
deducted from your pay.
If you have previously worked for the Railways but have been
rehired without credit for any of your previous service you will be
treated as a new employee.
Continuation of Coverage During Temporary Disability
During temporary disability, your benefits will be continued
under certain conditions. These conditions vary for each of the Life
Insurance, Surgical-Medical and "Other" benefits. The special conditions
applying to each benefit will be found on the following pages:
Life Insurance Page 11
Surgical-Medical and "Other" Benefits       Page 27
Continuation of Coverage during
Lay-Off or Leave of Absence
If you are laid off or are given leave of absence you can continue
as a Participating Employee and enjoy benefits of the Plan.
If you wish to continue as a Participating Employee, you must pay
a special rate of contribution. The Railways will not contribute while
you are away from work. The special rate of contribution that you will
have to pay will depend on whether or not you have any eligible
dependents. The special contribution is given on page 30. If you decide
to pay these special contributions all benefits except Weekly Indemnity
will be continued. General conditions (continued)
If you decide to pay the special contributions you must send the
correct monthly amount to the C.P.R. by means of a money order or
cheque. The first money order or cheque must be sent not later than
the 1 Oth of the calendar month following the calendar month for which
the last deduction of $4.25 was made from your pay. For example,
if you are laid off in October, and that was the last month for which
$4.25 was deducted from your pay, your first special contribution must
be sent not later than November 10th. The envelope must bear a
postmark dated earlier than midnight of the 10th of the month. Each
subsequent monthly payment must be sent not later than the 10th of
the month.
The address to which you have to send your special contribution
and the additional information that will be required is given on page 30.
You will receive a receipt for each payment.
You may continue to make these special contributions for only
twelve months after the commencement of your lay-off or absence.
lf|you have not returned to work at the end of the twelve months, you
will cease to be treated as a Participating Employee and will come under
the arrangements laid down for terminating employees (see page 6).
If in the month you return to work a deduction of $4.25 is made
from your pay and you have already made a special contribution
for that month, the Railway will refund your special contribution to you.
If you do not pay the special contribution, your coverage for
Surgical-Medical and "Other" benefits will cease at the end of the
calendar month for which the last deduction of $4.25 can be made
from your pay, and your Life Insurance on the 10th of the following
month. If you do not continue as a Participating Employee
from the time you are laid off or on leave of absence,
and fail to make the first special contribution, you will not
be  allowed  to  be  treated  as  a   Participating   Employee
again until you return to work. This means that you will forfeit
the right to make special contributions, and you will be treated as a
terminated employee for the purpose of getting any Life Insurance
and Surgical-Medical and "Other" coverage (see page 6). You will
have to complete further enrolment cards for Surgical-Medical and
"Other" benefits when you return to work. General conditions (continued)
Retirement or Termination of Employment
Special conditions apply to each benefit on retirement or termination
of employment. Details will be found on the following pages:
Weekly Indemnity Page    9
Life Insurance Page  12
Surgical-Medical and "Other" Benefits   Page 28 General conditions (continued)
WEEKLY INDEMNITY
(for Employees only)
The following is a summary of your Weekly Indemnity benefits
which are described in greater detail on pages 19 through 22.
Benefits
If, while insured, you become sufficiently disabled so as to be
unable to perform your normal work because of a non-occupational
accident or sickness, and are not engaged in any occupation or employment for wages or profit and are under the care of a licensed physician
or surgeon, you will receive the Weekly Indemnity benefits described
below.
Benefits will be payable from the 1st day of disability due to
accident or from the 8th day of disability due to sickness. Payments
will continue as long as you are disabled up to a maximum of 13 weeks
for each period of qualifying disability.
The amount of your Weekly Indemnity is $40.00 if your base pay is
$53.20 per week or more, or 75% of your base pay if your base pay
is less than $53.20 per week. Your base pay is determined as follows:
If you are hourly-rated, your base pay will be your hourly rate
multiplied by the number of regularly scheduled hours per week.
If you are daily-rated, your base pay will be your daily rate
multiplied by the number of regularly scheduled days per week.
If you are monthly-rated, your base pay will be your monthly
rate divided by AVz.
If you are a Spare Board employee, or other employee such as
a Relief employee, who immediately preceding disability has normally
worked less than regularly scheduled hours, your base pay will be
calculated on the weekly average of the hours paid-for within the
previous twelve calendar weeks. If, while still disabled and drawing
Weekly Indemnity benefits based on this average of hours paid-for,
you become entitled to a regular assignment, you will be eligible to
apply for Weekly Indemnity benefits from the date of your application,
based on the regular formula appropriate to your new regular assignment. You should refer to your Employing Officer for the exact procedure
to be followed when applying for increased Weekly Indemnity benefits
under this arrangement. General conditions (continued)
You will be paid for each day of absence due to disability,
including statutory holidays and assigned rest days, at the rate of
one-seventh of the Weekly Indemnity to which you may be entitled.
Continuation of Benefits during Lay-Off or Leave of Absence
Weekly Indemnity benefits cannot be paid during leave of absence.
Similarly, Weekly Indemnity benefits cannot normally be paid during
lay-off, but special arrangements have been made for the payment of
benefits during lay-off in the following circumstances only:
Lay-off after becoming disabled
If you become disabled and are subsequently laid off while still
disabled, the Weekly Indemnity benefits to which you would
otherwise be entitled while disabled will be paid as they fall due
during lay-off but only at one-half the full rate of benefit.
If you are recalled to work while you are receiving benefits at
the one-half rate described above, you will be entitled to Weekly
Indemnity benefits from the date of your recall at the full rate
as they fall due.
If while receiving benefits at the one-half rate described above
you bid, in accordance with seniority rules, to replace another
employee who is working, or to fill a vacancy, but, because of
your disability, you cannot perform such work when it becomes
available to you, you will be entitled to Weekly Indemnity benefits
at the full rate as they fall due, but only from the date of your
application for the full rate of benefit.
You should refer to your Employing Officer for the exact procedure
to be followed when applying for increased Weekly Indemnity
benefits under the above arrangements.
Disability occurring while on lay-off
If during a calendar month for which $4.25 was deducted from your
pay you become disabled while you are laid off, and within the
same calendar month are recalled to work which you cannot
perform because of your disability, then you will be entitled to
Weekly Indemnity benefits as if disability had commenced on the
date of recall.
If during a calendar month for which $4.25 was deducted from
your pay you become disabled while you are laid off and you
bid, in accordance with seniority rules, to replace another employee
8 Genera/ conditions (continued)
who is working, or to fill a vacancy, and such work becomes
available to you within the same calendar month, but, because
of your disability, you cannot perform such work, you will be
entitled to Weekly Indemnity benefits as if disability had commenced on the date you made application for such benefits.
Limitations
Weekly Indemnity benefits will not be payable
(1) in respect of an accident which occurs while you are performing any work for wages or profit for an employer other
than the Employing Railways,
(2) for any accident or sickness for which benefits are payable
under the various provincial Workmen's Compensation
Acts,
(3) for absence from work due to pregnancy,
(4) while you are drawing vacation pay or are on strike,
(5) for intentionally self-inflicted injury, or injury resulting from
war, insurrection or participation in a riot.
Retirement or Termination of Employment
Your coverage under this Plan for Weekly Indemnity benefits
ceases on the date of your retirement or termination of employment
with the Railways or on the date you cease to be employed in a job
covered by the Master Agreement.
Weekly Indemnity Claims
It is important that you file your claim immediately you are
entitled to Weekly Indemnity benefits. The necessary claim forms
are  obtainable   from   your  foreman   or  immediate  supervisor.
"Form 'A'—Claim for Group Weekly Indemnity Benefits"
This is the form to be used in filing a claim for Weekly Indemnity
benefits.
The procedure is as follows: —
(1) When you have occasion to file a claim apply to your foreman
or immediate supervisor for a  blank form. Genera/ conditions (continued)
(2) Complete the "Employee's Statement" on the front of the
form and have your doctor complete the "Attending Physician's Statement" on the reverse side. Make sure that both
these statements are complete and accurate.
(3) Return the form to your foreman or immediate supervisor for
completion of the "Statement of Foreman or Immediate
Supervisor".
(4) Your foreman or immediate supervisor will forward the form
to his Superintendent, Works Manager or Department Head
for completion of the "Employer's Statement" and submission
to Sun Life Assurance Company of Canada.
?t
Form 'B'—Return to Work Notice"
Having filed a claim for Weekly Indemnity benefits, it is important
that you report to your foreman or immediate supervisor immediately
you have recovered sufficiently from your disability to resume work.
He will then complete a Return to Work Notice and will forward it
to Sun Life Assurance Company of Canada through the same channels
as Form "A".
"Form 'C—Attending Physician's Supplementary Statement"
When a claim for Weekly Indemnity benefits has already been
filed and Sun Life Assurance Company of Canada requires evidence
of the continuance of your disability, it may request that you have
one of these forms completed by your attending physician. In this
event the form will be forwarded to you through the Superintendent,
Works Manager or Department Head from whom the claim was
received. When properly completed the form should be given to your
foreman or immediate supervisor for completion of the "Statement
of Foreman or Immediate Supervisor" and submission to Sun Life
Assurance Company of Canada through the same channels as Form "A".
Weekly Indemnity Claim Cheques
Cheques in payment of Weekly Indemnity benefits will be forwarded to the Superintendent, Works Manager, or Department Head
through whom the claim was submitted for delivery to you. Benefits
will normally be paid weekly. If you receive a cheque which includes
payment for any period for which you are not entitled to benefits,
it must not be cashed but should be returned to your foreman or immediate supervisor for adjustment.
10 General conditions (continued)
LIFE INSURANCE
(for Employees only)
The following is a summary of your Life Insurance benefits which
are described in greater detail on pages 14 through 19.
Death Benefit
The amount of your Life Insurance is $500.00 and this sum will
be paid in the event of death from any cause while your insurance is
in force.
Should you leave the service of the Railways by reason of total
disability prior to attainment of age 60, your Life Insurance can be
maintained in force without premium payments.
This Life Insurance is in addition to any benefits available under
the various Provincial Workmen's Compensation Acts.
Continuation of Coverage during Temporary Disability
If you are absent from work and are receiving Weekly Indemnity
benefits, your Life Insurance will be continued in force without payment
of contribution for any month in which you receive benefit payments
for the complete calendar month.
In addition, during the first 13 weeks of a disability for which
Workmen's Compensation benefits are being received, your Life
Insurance will be continued in force without payment of contribution
for any month in which you receive these benefits for the complete
calendar month.
If you should receive Weekly Indemnity or Workmen's Compensation benefits for 13 weeks and if, because of continuing disability,
you cannot return to work in the calendar month in which the thirteenth
weekly benefit payment is received, you will not have to pay any
contribution for that month, provided that not more than three consecutive month's contributions have been waived. If you are still absent
on sick leave after the end of that calendar month, and if you wish to
continue your Life Insurance, you will be treated as if you were a
laid-off employee. The procedures you will then have to follow are
described on page 4.
11 |[General conditions (continued)
Retirement or Termination of Employment
Should you retire or leave the service of the Railways, your
Life Insurance will continue without contribution for 31 days after the
end of the last calendar month for which $4.25 was deducted from
your pay, or a special contribution was paid as a Participating
Employee on lay-off or leave of absence.
Should you retire, or leave the service of the Railways after at
least 5 years of service, you may apply, during the 31 days while
your insurance is being continued in force without contribution, to any
one of the Life Insurance companies listed in your Certificate of Life
and Weekly Indemnity Insurance to convert your Life Insurance under
the Plan into an individual policy. You may choose any form of life
or endowment insurance—excluding term insurance or insurance with
special benefits. You will be charged the rate of premium applicable
to the class of policy chosen for your age, occupation and place of
residence at that time. No medical examination will be required.
For the conditions under which Life Insurance on a disabled employee may be converted see pages 17 through 19.
Death Claims
There is just one form to be completed upon the death of an
insured Participating Employee. This form can be obtained from the
Employing Officer, and should be prepared as instructed in the notice
at the head of the form. After completion by the Physician, the Foreman
or Immediate Supervisor, and the Superintendent, Works Manager,
or Department Head, it must be fowarded to Sun Life Assurance
Company of Canada in Montreal.
12 SUN LIFE ASSURANCE COMPANY OF CANADA
THE CANADA LIFE ASSURANCE COMPANY
CONFEDERATION LIFE ASSOCIATION
THE GREAT-WEST LIFE ASSURANCE COMPANY
THE LONDON LIFE INSURANCE COMPANY
THE MUTUAL LIFE ASSURANCE COMPANY OF CANADA
Certificate of Hilt anb ileefclp 3Jnbemmtj> Snaurance
THIS IS TO CERTIFY that by virtue of an agreement among the
above named Companies Group Life policy No. 7030-G and Group
Accident and Sickness policy No. 7030-GD have been issued, with effect
from January 1, 1957, by Sun Life Assurance Company of Canada,
herein called the Company, to
the Railways and the Unions, both listed in the policy, signatory
to the Master Agreement dated May 16, 1956, of which
Article HI made provision for the establishment of a Health
and Welfare Plan.
Subject to the provisions of these policies, those employees
represented by the said Unions who qualify as Participating Employees
of the said Railways, as defined in the Supplemental Agreement to
the said Master Agreement, are insured for the benefits set out herein.
Each of the said Railways is herein called the Employing Railway.
SUN LIFE ASSURANCE COMPANY OF CANADA
President
13 Certificate of Insurance (continued)
PROVISIONS APPLICABLE TO LIFE AND
WEEKLY INDEMNITY INSURANCE
COMMENCEMENT OF INSURANCE. The commencement of insurance
in respect of Participating Employees is determined as follows:
(a) The insurance in respect of an employee who qualifies as a
Participating Employee for the month of January, 1957,
commences on January   1,   1957,  provided  such  employee
(1) was actively at work for the Employing Railway on the last
date in December, 1956 when he was required to work, and
(2) is entitled to pay for January 1, 1957, under the terms of a
collective agreement; otherwise such employee's insurance
commences on the date he returns to full-time active work
with the Employing Railway.
(b) The insurance in respect of an employee who becomes a
Participating Employee in any month after January, 1957,
commences on the first day of the month in which such employee
becomes a Participating Employee, provided he is actively
at work for the Employing Railway on such day; otherwise
such employee's insurance commences on the date he returns
to full-time active work with the Employing Railway.
PROVISIONS APPLICABLE TO LIFE INSURANCE
AMOUNT OF INSURANCE. The amount of insurance in respect
of each insured employee is Five Hundred Dollars ($500).
PAYMENT OF DEATH CLAIMS. Any amount payable as a death
claim in respect of an insured employee will be paid in one sum to the
beneficiary designated in writing by the employee or, if no such beneficiary is living on the death of the employee or, if no such beneficiary
has been designated, the Company may at its option make payment
(a) to any relative by blood or any connection by marriage of
the employee, or
(b) to any person or institution appearing to the Company to be
equitably entitled to such payment by reason of incurring
expense for the maintenance, care, medical attendance or
burial of the employee, or
(c) to the employee's estate.
14 Certificate of Insurance (continued)
The Company is under no obligation to see to the application of
any moneys so paid and payment to any such person or institution shall
constitute a complete discharge to the Company to the extent of the
amount of the payment.
INDIVIDUAL TERMINATIONS. Subject to the terms of the EXTENDED
INSURANCE ON DISABILITY provision, the Life Insurance in respect of
any insured employee will terminate at the earliest of the following
dates:
(a) thirty-one days after the end of the month during which such
employee's service with the Employing Railway terminates,
(b) the tenth day of the month for which such employee first fails
to make a required contribution while in the service of the
Employing Railway,
(c) the date such employee otherwise ceases to be eligible,
(d) the date of termination of the group life policy.
Termination of an employee's service shall for the put poses of this
Life Insurance be deemed to occur on the date on which such employee
retires on pension or for any other reason discontinues active work
with the Employing Railway, except that
(1) service will be deemed to continue during any period for which
such employee is entitled to Weekly Indemnity benefits as
described herein,
(2) service will be deemed to continue for a period of not more
than three months during which such employee is entitled tc
benefits under a Workmen's Compensation Act, and
(3) service may be deemed to continue for a period of not more
than twelve months following the date on which the employee
ceases work due to disability, is granted leave of absence
or is temporarily laid off, provided such employee maintains
his status  as  a   Participating   Employee  during  such  period.
CONVERSION PRIVILEGE
1.   When the Life Insurance in respect of an insured employee
terminates
15 Certificate of Insurance (continued)
(a) as a result of the termination of his service with the Employing Railway while the policy is in full force and effect:
i) after at least five years of service with the Employing
Railway provided such termination was not due to
retirement, or
ii)   due to retirement, or
(b) as a result of the termination of the group life policy if such
employee has been continuously covered thereunder for
the previous five successive years,
any one of the insurance companies named in this certificate (each such
company being called the Converting Company for the purposes of this
provision) upon receipt of a written request from such employee within
the respective periods set forth below, accompanied by payment of
the first premium, will issue, without medical examination and in lieu
of all benefits so terminated, an individual policy on the life of such
employee on any form of life or endowment insurance (excluding term
insurance) then regularly issued by the Converting Company but without
either the Total Disability Benefit or the Accidental Death Benefit; such
policy will be for the amount determined below and will contain the
same provisions as regular policies of like nature then being issued
by the Converting Company, and the rate of premium will be the rate
charged by the Converting Company for the plan selected according
to the table of rates then in use applicable to the class of risk to which
such employee belongs and the attained age of such employee at
the date of such request. Conversion of insurance or payment of claim
under such individual policy will not preclude the establishment of
rights under the EXTENDED INSURANCE ON DISABILITY provision,
if all the conditions of that provision are fulfilled, and if such individual
policy is surrendered to the Converting Company in exchange for the
refund of premiums actually paid thereon.
2. The period within which such written request may be submitted
to the Converting Company and the amount of insurance
will be determined as follows:
(a) When such termination of Life Insurance occurs in respect
of any employee as a result of the termination of his service
with the Employing Railway, such period will be the 31
days following the end of the month during which such
termination occurs (or the 31 days immediately preceding
the termination of insurance on the life of such employee
under the terms of the EXTENDED INSURANCE ON DIS-
16 Certificate of Insurance (continued)
ABILITY provision) and such individual policy will be for
an amount equal to the amount of such employee's
insurance under the group life policy at the date of
termination of his service;
(b) When such termination of Life Insurance occurs in respect
of any employee as a result of the termination of the group
life policy and if such employee has been continuously
covered under the policy for the previous five successive
years, such period will be the 31 days following the date
of such termination and such individual policy will be for
an amount equal to the amount of such employee's insurance under the group life policy as at the date of such
termination less any amount of insurance for which he may
be or may become eligible under any group policy issued
or reinstated by the Company or another insurance company within 31   days after the date of such termination.
Each employee entitled to an individual policy under this
provision will be covered under the group life policy during
the said 31 days for the amount of insurance to which he is
entitled under the said individual policy.
EXTENDED INSURANCE ON DISABILITY. Upon receipt of written
proof satisfactory to the Company that any employee, while covered
under the group life policy and prior to his sixtieth birthday, (1) became
totally disabled by bodily injury or disease so as to be wholly prevented thereby from performing any work for compensation or profit
or from following any gainful occupation (such totally disabled condition being hereinafter called total disability) and (2) left the service
of the Employing Railway because of such total disability, then such
employee's Life Insurance will be extended, without payment of premiums, during the continuance of such total disability from the thirty-
second day after the end of the month during which such employee's
service with the Employing Railway terminated until twelve months from
such date of termination of service or until prior receipt of proof of
the continuance of such total disability as required below.
If, not later than one year after an employee has left the service
of the Employing Railway, the Company receives at its Head Office
written proof satisfactory to it that such employee became totally
disabled and left the service of the Employing Railway under the
conditions stated above and that such total disability has continuously
existed for at least nine months and is still existing, such employee's
17 Certificate of Insurance (continued)
Life Insurance will be extended, without payment of premiums, during
the further continuance of such total disability until one year from
the date said proof is so received by the Company (such date of
receipt of proof being hereinafter called the proof date). If, each
year, within the three months' period immediately preceding the
anniversary of the proof date, the Company receives at its Head Office
further written proof satisfactory to it that such total disability has
continuously existed and is still existing, such employee's Life Insurance
will again be extended for successive periods of one year each provided
always that such total disability still continues.
The furnishing of proof of continued total disability each year
within the period specified above is a condition precedent to the
extension of insurance and all such proof must be furnished to the
Company at its Head Office on the employee's own initiative or by
someone on his behalf without any obligation on the part of the Company
to give any notice or to request such proof. The Company shall have
the right at its own expense to have physicians designated by it examine
the person of such employee when and so often as it may reasonably
require.
The amount of Life Insurance extended under this provision will
be that amount for which the employee was covered at the date of
termination of service. The Company will not be liable for any payment
under this provision unless proof of continuance of total disability is
furnished as required above and unless proof of the death of such
employee while covered under this provision is received and approved
by the Company at its Head Office within one year after the date of
such death.
Insurance under this provision on the life of any employee shall
terminate on the thirty-first day following the earliest of the following
dates:
(a) the date of termination of the total disability of such employee;
(b) the date of the failure of such employee to submit, upon
request, to examination by physicians designated by the
Company;
(c) the anniversary of the proof date immediately following
failure to furnish proof of the continuance of total disability
as required under this provision.
18 Certificate of Insurance (continued)
During the 31 day period preceding such termination of insurance such
employee will be entitled, irrespective of such employee's period of
prior service with the Employing Railway, to apply for an individual
policy of life insurance in accordance with the terms of the CONVERSION
PRIVILEGE provision, as though service had terminated at the beginning
of such 31 day period, unless such employee returns to work with the
Employing Railway and is again covered under the policy.
PROVISIONS APPLICABLE TO WEEKLY
INDEMNITY INSURANCE
DEFINITION. The term "base pay" in any week in respect of any
insured employee is his base pay as determined by the Employing
Railway.
AMOUNT OF INSURANCE. The amount of insurance in respect
of each insured employee is determined in accordance with the following
schedule:
Amount of Amount of
Weekly Base Pay Weekly Indemnity
1  II I   II >!■  II ' ' I' I
$53.20 or more ...  $40.00
Less than $53.20 75% of weekly base pay
INDIVIDUAL TERMINATIONS. Weekly Indemnity insurance on
any insured employee will terminate at the earliest of the following
dates:
(a) the date of termination of such employee's service with the
Employing Railway,
(b) the last day of the month prior to the month for which such
employee fails to make a required contribution while in the
service of the Employing Railway,
(c) the date such employee otherwise ceases to be eligible,
(d) the date of termination of the group accident and sickness
policy.
Termination of an employee's service shall for the purposes of this
Weekly Indemnity insurance be deemed to occur on the date on which
such employee is laid off or granted leave of absence or retires on
pension or for any other reason discontinues active work with the
Employing Railway except that,
19 Certificate of Insurance (continued)
(1) service will be deemed to continue during any period for which
such employee is entitled to Weekly Indemnity benefits as
described herein, and
(2) service will be deemed to continue for a period of not more
than three months during which such employee is entitled to
benefits under a Workmen's Compensation Act.
BENEFITS. On receipt by the Company of proof as herein required
that any employee insured for Weekly Indemnity insurance has become
wholly and continuously disabled from bodily injury or from sickness
or disease so as to be prevented from performing the duties of his
occupation or employment, the Company will pay to the employee,
subject to the provisions of the next following paragraph and to
"Limitations" herein set forth, a benefit equal to one-seventh of the
amount of Weekly Indemnity for which the employee is insured for
each day that the employee continues to be so disabled and does not
engage in any occupation or employment for wage or profit, commencing with the first such day if disability is due to bodily injury effected
directly and independently of all other causes through accidental
means and with the eighth such day if disability is due to sickness or
disease and continuing for not more than thirteen weeks during any
one period of disability whether disability is due to one or more
causes. Benefit payments will be made weekly.
It is provided that,
(1) If an insured employee becomes so disabled and is subsequently laid off, he will be entitled, while laid off and still
disabled, to benefit payments as they fall due but only of
one-half the amount which would have been payable if he had
not been laid off, except that if, while in receipt of such
reduced benefit payments, the employee is recalled to work
by the Employing Railway, or in accordance with seniority
rules bids to replace an employee who is working or to fill
a vacancy, but because of his disability cannot perform such
work when it becomes available to him, he will be entitled
to benefit payments, as they fall due, of the full amount
which would have been payable if he had not been laid off
but only from the date of his application for such increase
in benefits,
(2) if an insured employee is laid off and subsequently while
still laid off becomes so disabled, and if while so disabled
and during the month in which he is laid off and for which he
20 Certificate of Insurance (continued)
has made a contribution for Weekly Indemnity insurance,
such employee is recalled to work by the Employing Railway
or in accordance with seniority rules bids to replace an
employee who is working or to fill a vacancy, but because
of his disability cannot perform such work when it becomes
available to him, he will be entitled to benefit payments, as
they fall due, of the full amount which would have been
payable if he had not been laid off, as if the date of onset
of disability were the date on which he makes application
for such benefits.
If after the termination of any disability for which an employee
was entitled to a benefit under this provision such employee again
becomes disabled due to the same or related cause or causes, such
later disability will be considered as a continuation of the previous
disability unless such employee had completely recovered from the
previous disability and had been at work with the Employing Railway
on full time for a period of at least two weeks after termination of
the previous disability.
LIMITATIONS
Payment will not be made under this provision:
(1) for any period of disability during which an insured
employee is not under the care of a licensed physician
or surgeon; nor
(2) for any period of disability during which an insured
employee is in receipt of vacation pay, or on strike; nor
(3) in respect of pregnancy, childbirth, miscarriage or conditions which result directly or indirectly from any of
these; nor
(4) in respect of disability directly or indirectly due to or
resulting from any of the following:
(a) bodily injury sustained while doing any act or thing
for wage or profit for an employer who is not the
Employing Railway,
(b) any cause for which an insured employee is paid
indemnity or compensation under any Workmen's
Compensation Act,
(c) intentionally self-inflicted injury while sane or insane,
(d) war, insurrection or the hostile action of the armed
forces of any country, or participation in any riot
or civil commotion.
21 Certificate of Insurance (continued)
CLAIMS. Payment of any Weekly Indemnity will be subject to the
Company being given written proof of claim satisfactory to it within
thirty days after the date of the accident causing the injury or the
date of commencement of the disability from sickness or disease and
subsequent proofs of claim as the Company may require at intervals
not more often than weekly. Failure to furnish proof within the time
specified will not invalidate the claim if it is shown that it was not
reasonably possible to furnish proof within such time and that proof
was furnished as soon as reasonably possible.
Any proof of claim involving medical evidence in respect of an
employee shall be furnished without expense to the Company and shall
be signed by the physician or surgeon personally attending the
employee. The Company will have the right at its own expense to
have physicians designated by it examine any person in respect
of whom a claim is being made when and as often as it may reasonably
require.
If an employee is physically or mentally incapable of giving a
valid discharge for payments due to him or if an employee dies while
payments due to him remain unpaid the Company may at its option
make payment
(a) to any relative by blood or any connection by marriage of
the employee, or
(b) to any person or institution appearing to the Company to
be equitably entitled to such payment by reason of incurring
expense for the maintenance, care, medical attendance or
burial of the employee, or
(c) to the employee's estate.
The Company is under no obligation to see to the application of any
moneys so paid and payment to any such person or institution shall
constitute a complete discharge to the Company to the extent of the
amount of the payment.
22 General conditions (continued)
SURGICAL-MEDICAL AND "OTHER" COVERAGE
(for Employees and Eligible Dependents)
There are no hospital benefits included in your coverage other
than those specifically included as "Other" benefits. Normal hospital
coverage is provided by the British Columbia Hospital Insurance
Service. If you are ineligible for coverage under the Government Plan
you may enrol under the Alberta Blue Cross Plan "A" Contract. You
will, of course, have to pay the full amount of the contribution for
this contract. For full details write to Alberta Blue Cross, 10124-101st
Street, Edmonton, Alta.
All Participating Employees must complete enrolment
cards before being entitled to Surgical-Medical and "Other"
benefits.
Eligibility of Dependents
For the purposes of the Plan eligible dependents are defined as
follows:
Wives of members, and children of members, entirely dependent
upon and residing with them, until they have attained
their eighteenth birthday.
The benefits will also be extended, on written application, to
dependent children between their eighteenth and twenty-first
birthdays who are suffering from a disability preventing them
from engaging in gainful employment or attending an educational
institution,  upon  submission  of  satisfactory  supporting   evidence.
An unmarried member will be entitled to the benefits for one
female member of his family over eighteen years of age who
looks after his home, and such sisters and brothers who have
not reached their eighteenth birthday, if they are entirely dependent upon and reside with such member, upon production of a
certificate of good health provided at the member's expense
and satisfying the underwriter of such dependency. The benefits
will also be extended, on written application, to dependent
brothers and sisters between their eighteenth and twenty-first
birthdays who are suffering from a disability preventing them
from engaging in gainful employment or attending an educational
institution   upon   submission   of  satisfactory  supporting   evidence.
23 General conditions (continued)
Benefits will normally be payable only in respect of those eligible
dependents you listed on your enrolment card, unless you have subsequently notified your Employing Officer of any changes in your
family. You must notify your Employing Officer immediately you
marry or you have additions to your family. He will provide you with
the forms to be forwarded to the underwriter.
If you fail to notify your Employing Officer within 30 (thirty)
days of your marriage, you will not be entitled to claim any maternity
or obstetrical benefits until coverage for the dependent has been in
effect for 1 2 (twelve) months.
Provision of Services
The term "Services" as used herein is defined to mean services
rendered by a fully qualified doctor registered and licensed to
practise medicine in the province or country in which the service is
rendered.
The Surgical-Medical and "Other" benefits are underwritten and
administered by the Canadian Pacific Employees' Medical Association
of British Columbia, C.P.R. Station, Vancouver, British Columbia. Throughout this booklet this Association will  be referred  to as "C.P.E.M.A."
C.P.E.M.A. will issue to you an "Identification Card" which you
must present to the doctor of your choice when you require his services.
If you have no dependents a blue card will be issued; if you have
dependents registered a buff card will be issued. You are advised,
if you have not already done so, to select a doctor for your family
in advance of illness or accident. You should make yourself known
to him and identify yourself as a member of C.P.E.M.A. This is the
normal and correct procedure for obtaining care and will assure you
of the necessary attention in an emergency.
For any employee who of his own volition desires that his doctor
provide extra service or attention, an agreement should be made
between doctor and patient to this effect before the service is rendered.
C.P.E.M.A. is not liable for the fee that would be charged for the
extra service.
In the Province of British Columbia your doctor will submit his
account direct to C.P.E.M.A. for payment of those services for which
you are eligible.
24 General conditions (continued)
When travelling outside of British Columbia you are entitled to
the same services you would have obtained in British Columbia provided
they are rendered by a duly qualified doctor. If the doctor does not
accept the payment rendered by C.P.E.M.A. you are responsible for
paying his bill, and you will, in turn, be reimbursed by C.P.E.M.A. up
to an amount that would have been paid had the same services been
rendered in British Columbia.
SURGICAL AND MEDICAL BENEFITS
You, or any of your eligible dependents, are entitled to the
following doctors' services:
(1) Surgery — All surgical procedures, including the services of
assistants where required.
(2) Maternity — Any woman registered shall be entitled to receive
maternity care from a general practitioner if confinement
takes place not earlier than 9 months after registration.
Services include pre-natal and post-natal care. An increased
charge by a specialist for normal birth is the responsibility
of the member. A single member must apply for dependent
coverage within one month of the date of his marriage. A
married member must apply for dependent coverage within
one month of the date he is eligible.
(3) Treatment of fractures and dislocations.
(4) Administration of anaesthesia for all conditions covered by
the benefits.
(5) Office calls, home calls and hospital calls.
(6) Diagnostic X-Ray and X-Ray therapy administered by a
radiologist, standardised laboratory and other special
diagnostic procedures including electrocardiograms and encephalograms for non-hospitalized patients when ordered by the
attending physician.
(7) Treatment of allergy conditions (cost of serum not included).
(8) If you are referred by your doctor to a specialist registered
as such by the College of Physicians and Surgeons of British
Columbia for treatment of a particular condition, benefits will
include cost of consultation plus continued care and treatment
by the specialist for such condition. If you go directly to a
specialist his charges will only be paid at general practitioner
rates and any difference will be your responsibility.
25 General conditions (continued)
Limitations and Exclusions
The following services and conditions will not be included for
benefits:
(1) Services for which the Workmen's Compensation Board, the
Department of Veterans' Affairs or any other Government
Department or Agency is responsible.
(2) Diseases or conditions after diagnosis for which care is provided
without cost or at nominal charge by public authorities (e.g.,
pulmonary tuberculosis, mental disorders, venereal diseases,
and established preventive care).
(3) Dental services (including X-Rays, operating room and anaesthetics), examinations or refractions, for fitting of eye glasses,
physiotherapy, nursing care, drugs, medicines and appliances.
(4) Administration of anaesthesia or other services provided by
a hospital employee.
(5) Periodic or routine health examinations, marriage or insurance
examinations or examinations for employment.
(6) Treatment of conditions not detrimental to health.
(7) X-Ray and  laboratory services for registered  bed  patients.
(8) Vaccination for the purpose of obtaining certificate for travel
purposes only.
(9) Services will be continued for a maximum period of one year
for any one illness or non-occupational accident, subject to
review by the Board of Management of the C.P.E.M.A.
"OTHER BENEFITS"
Hospital Benefits
Medical interpretation of electrocardiograms and electroencephalograms by a physician and surgeon qualified to provide
such service.
"Co-insurance" and "Short Stay" charges will be taken care of
for those persons eligible for B.CH.I.S. coverage.
Out-patient services will include the use of operating room and
anaesthetics for conditions not excluded from the benefits, X-Rays and
26 General conditions (continued)
laboratory, including electrocardiographs, for diagnostic purposes only.
X-Ray and radium treatments when authorized.
Ambulance Service (for employees only)
Not to exceed $15.00 in any case. Oxygen service not provided.
Chiropractors and Osteopaths
Chiropractic or osteopathic treatment shall be provided by
registered practitioners at a cost, based on the minimum schedule of
fees of the British Columbia Chiropractors' or Osteopaths' Associations,
not to exceed $60.00 in any one calendar year for a member or family
group. No allowance will be made for X-Rays taken by chiropractors
or osteopaths.
Continuation of Coverage during Temporary Disability
If you are absent from work, you will not be required to pay
your contribution of $4.25 for any calendar month in which you receive
Weekly Indemnity benefits under the Plan for the complete month.
If you should continue to receive Weekly Indemnity benefits for
the maximum period of 13 weeks and if, because of continuing disability,
you cannot return to work in the calendar month in which your Weekly
Indemnity benefits stop, you will not have to pay any contribution for
that month. If you are still absent on sick leave after the end of the
calendar month in which your Weekly Indemnity benefits cease, and
if you wish to continue your Surgical-Medical and "Other" benefit
coverage, you will be treated as if you were a laid-off employee. The
procedures you will then have to follow are described on page 4.
For example, if you become entitled to Weekly Indemnity benefit
in the middle of July and continue to be absent for more than three
months, you will be excused payment of your monthly contribution
of $4.25 for the months of August, September and October. If you are
still away sick at the beginning of November, you will have to pay
your special contribution to the C.P.R. by November 10th. You will
then be allowed to pay special contributions for an additional nine
months. If you are still on sick leave at the end of this period you will,
for the purposes of the Plan, be treated as a terminated employee.
(See page 28).
27 General conditions (continued)
Absence While in Receipt of Workmen's
Compensation Benefits
If you are absent from work while in receipt of Workmen's Compensation Benefits, you can continue as a Participating Employee. You
will be treated in the same manner as a laid-off employee (see page 4).
Termination of Employment
If you terminate your employment with the C.P.R., or cease to be
employed in a job covered by the Master Agreement, you will no
longer be a Participating Employee. Your coverage under this Plan for
Surgical-Medical and "Other" benefits will cease at the end of the
calendar month for which the last deduction of $4.25 can be made
from'your pay.
Retirement
If you retire from the C.P.R. you will be given the opportunity
to continue your Medical-Surgical and "Other" coverage by making
application to C.P.E.M.A. and paying a required rate of contribution
in advance, providing you continue to reside in British Columbia.
Widows
In the event of your death, your widow will be given the opportunity
to continue Medical-Surgical and "Other" coverage for herself and your
dependent children until they have attained their 18th birthday, and
so long as they remain unmarried and reside within the Province of
British Columbia, in order to continue the coverage your widow must
make application to C.P.E.M.A. and pay a required rate of contribution
in advance.
28 Temporary Transfers Outside the Province
If you are temporarily transferred to a point outside the Province
of British Columbia but within Canada you will be provided with the
benefits of C.P.E.M.A. up to the benefit rates applicable in British
Columbia for a period not exceeding six months.
Permanent Transfer to Another Province
Generally speaking, you will be provided with the benefits
applicable to the province in which your family resides. This means that
if your family lives in the Province of British Columbia but you are working
in, or are paid from, another province, say, Alberta, you will be entitled
to the benefits as they are set out in this booklet.
If you have any doubt as to which province you should come under,
or if your family resides in the United States, refer the matter immediately
to your Employing Officer, or Local Chairman.
If your family moves to another province, you will be entitled to
the benefits applicable to the new province as from the first of the
calendar month following the date of the move but you must file
new enrolment cards applicable to that province. You should ask your
Employing Officer for the booklet covering the benefits in your new
province. If you move to Saskatchewan or Alberta, your new Plan
will not cover hospital benefits. Arrangements have been made, however, with Alberta Blue Cross to provide temporary hospital benefits,
if you want them, for any initial period during which you are not entitled
to benefits under the government-sponsored hospital plan because
you have not completed the necessary residential qualifying period.
You should write to Alberta Blue Cross at 10421-101st Street,
Edmonton, Alberta and ask them for full details of the hospital benefits
that they can provide and what the amount of the contribution will be.
You will, of course, have to pay the full amount of this contribution
yourself.
Income Tax
You should remember to ask for receipts from the hospital and the
doctor for all amounts that you and the Plan have paid so that you can
make, if necessary, a claim for a reduction in your Income Tax.
C.P.E.M.A. will on request at the end of the year issue to you a
statement indicating the amount paid by the Plan on your behalf for
surgical and medical care during the year, which statement may be
used for claiming deductions in accordance with Income Tax regulations.
29 SPECIAL CONTRIBUTIONS FOR CONTINUATION
OF COVERAGE
Special contributions must be sent before the  10th of each
month to:
Canadian Pacific —
The Local Treasurer, Vancouver
Cheques or money orders should be made payable to
Canadian Pacific Railway Company, and should be accompanied
by the following information:
(1) Employee and payroll numbers
(2) Your name and complete home address
(3) Your marital status
(4) The amount of your payment.
A:  Employees on lay-off or leave of absence
Benefits That Will Be Continued
Special Monthly Contribution
Life  Insurance  and   Surgical-
Medical and "Other" Benefits
Employee Employee
Without With
Dependents     Dependents
$3.88
$7.88
30 B:   Disabled employees receiving Weekly Indemnity
Benefits
While you are disabled, and receiving Weekly Indemnity
benefits, contributions for coverage will not have to be paid.
Your contribution after Weekly Indemnity benefits cease will be
as shown in Section A.
C: Disabled employees receiving Workmen's
Compensation benefits
For each complete calendar month during which you are receiving
Workmen's Compensation benefits, the Life Insurance contribution of
30 cents will be waived and the amount you must send to the C.P.R.
will be that shown in Section A, less 30 cents in each case. If you continue to receive Workmen's Compensation payments for more than 13
consecutive weeks the special contribution you must pay to the C.P.R.
in the fourth and subsequent months will be that shown in Section A,
without reduction.
Benefits under this Plan can only be continued up to 12 months
by special contributions to the C.P.R.
31 PARTICIPATING EMPLOYEE
The following are extracts from the Supplemental Agreement.
Article I — Definitions
(6) "Participating Employee" means an employee who in any
month renders compensated service under one or more
collective agreements specified in Appendix "A" to the
Master Agreement, sufficient to permit a deduction of $4.25
from wages after payroll deductions now or hereafter required
by law, deduction of moneys which, on account of the
employer-employee relationship, become due or owing the
Railway, pension deductions and the deduction of union dues
required by collective agreement; and who on the 1 st day of the
month has maintained a continuous employment relationship
for at least 60 calendar days with the same Railway in a
position subject to a collective agreement specified in said
Appendix "A" except that in the case of an employee coming
under an agreement with the Brotherhood of Maintenance
of Way Employees specified in said Appendix "A", he shall
not become a Participating Employee until the first day of
the month following the date on which he becomes subject to
the provisions of the governing agreement.
Article VII — Participating Employees laid off, on leave of
absence, transferred, etc.
(1) A Participating Employee laid off or on leave of absence
shall be deemed to continue to be a Participating Employee
having the right to participate in surgical, medical, hospital
and life insurance benefits (but not in weekly indemnity benefits)
should he make direct payment when due to the Railway of
the full amount required for such coverage, with such right
limited to twelve consecutive months following the commencement date of any such layoff or leave of absence.
(2) A Participating Employee off work on account of disability,
whether in receipt of Workmen's Compensation or not, who
is not entitled to waiver of premium in whole or in part, shall
be deemed to continue to be a Participating Employee having
the right to participate in surgical, medical, hospital and life
insurance benefits (but not in weekly indemnity benefits)
should he make direct payment, when due, to the Railway of
32 the full amount required for such coverage, with such right
limited to twelve consecutive months following the commencement date of any such disability.
(3) A Participating Employee who is laid off by one Railway and
is hired by another Railway while still a Participating Employee shall not be required to requalify as a Participating
Employee.
(4) An employee who, upon the initiative or with the approval of
the Railways concerned, is transferred between any two
subsidiaries of a parent Railway or between a subsidiary
and its parent Railway shall, for the purposes of this Supplemental Agreement, be deemed to have maintained a continuous
employment relationship with the same Railway.
(5) An employee who, in any month, has not rendered sufficient
compensated service in the month, due to his suffering a
disability that qualifies him for waiver of premiums for hos-
pital-surgical-medical benefits under the Employee Benefit
Plan, shall be deemed to be a Participating Employee in that
month.
33 SIGNATORY RAILWAYS
Canadian National Railways
Canadian Pacific Railway Company
Toronto, Hamilton and Buffalo Railway
Ontario Northland Railway
Algoma Central and Hudson Bay Railroad
SIGNATORY UNIONS
Brotherhood of Railway & Steamship  Clerks,  Freight Handlers,
Express and Station Employees.
Canadian    Brotherhood    of    Railway    Employees    and    Other
Transport Workers.
The Order of Railroad Telegraphers.
Division No. 4, Railway Employee's Department A.F. of L.
Canadian National System Federation No. 11.
International Association of Machinists.
United Association of Journeymen and Apprentices of the Plumbing
and Pipe Fitting Industry of the United States and Canada.
International    Brotherhood   of   Boilermakers,   Iron   Shipbuilders,
Blacksmiths, Forgers and Helpers.
Brotherhood Railway Carmen of America.
International  Moulders  and   Foundry  Workers'   Union  of   North
America.
International Brotherhood of Electrical Workers.
Sheet Metal Workers International Association.
International   Brotherhood  of  Firemen  and   Oilers,   Power  Plant
Employees, Round House and Railway Shop Employees.
Brotherhood of Railroad Signalmen of America.
Commercial Telegraphers' Union.
Brotherhood of Maintenance of Way Employees.
Brotherhood  of Sleeping  Car  Porters, Train  Chair Car,  Coach
Porters and Attendants.
34 CANADIAN PACIFIC EMPLOYEES' MEDICAL
ASSOCIATION OF BRITISH COLUMBIA
C.P.R. Station, Vancouver, B.C.
SUN LIFE ASSURANCE COMPANY OF CANADA
P.O. Box 6075, Montreal
930 Portage Avenue, Winnipeg
35 NOTES  

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