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 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
 BP Canada Plans (doc, 213KB).doc
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  • 1. A.BP PLANS.............................................................................................................................................3 I.RETIREE CONTACT LISTING........................................................................................................3 A.Pension Payments, Banking Arrangements, and Tax Slips...........................................................3 B.Pension Calculations, Start Pension, Martial Breakdown, Survivor Benefits...............................3 C.Benefit Coverage Questions, Claims Inquiries, and Forms...........................................................3 D.Payroll Administration..................................................................................................................3 E.Death Claims for Life Insurance and Inquiries, Scholarship Plan.................................................4 F.For Issues or Problems with Retiree Benefits (other than Pension)...............................................4 II.MEDICAL PLAN..............................................................................................................................4 A.MEDICAL BENEFITS AT A GLANCE......................................................................................4 B.ELIGIBILITY AND ENROLLMENT..........................................................................................4 C.COVERAGE..................................................................................................................................4 D.SAVE YOUR SUN LIFE ACCESS ID ON THE WEB ..............................................................4 III.MEDICAL PLAN TIDBITS............................................................................................................5 A.Orthotics & Orthopedics................................................................................................................5 B.Changes to Chiropractic and Podiatry Benefit Coverage .............................................................6 C.Ostomy Supplies............................................................................................................................6 D.Understanding Hospital Coverage.................................................................................................7 E.Private Duty Nursing.....................................................................................................................9 F.Some Definitions You Should Know.............................................................................................9 G.Understanding Your Medical Benefit .........................................................................................10 H.Making a Claim...........................................................................................................................10 IV.TRAVEL INSURANCE................................................................................................................11 A.Understanding your Travel Benefit.............................................................................................11 B.When You Travel.........................................................................................................................11 C.What’s the definition of ‘Emergency’?.......................................................................................11 D.Chronic pre-existing conditions...................................................................................................11 E.What’s to do in a Medical Emergency.........................................................................................12 V.LIFE INSURNACE.........................................................................................................................12 A.Basic Coverage............................................................................................................................12 B.Naming a Beneficiary ................................................................................................................13 C.Irrevocable Beneficiary - What does that mean?.........................................................................13 VI.SCHOLARSHIP PLAN.................................................................................................................14 A.Objective......................................................................................................................................14 B.Number of Awards.......................................................................................................................14 C.Value and Duration of the Awards..............................................................................................14 D.Type of Award.............................................................................................................................14 E.Eligibility.....................................................................................................................................14 F.Eligible Institutions......................................................................................................................15 G.Field of Study..............................................................................................................................15 H.Selection of Scholarship Winners................................................................................................15 I.Responsibilities of Scholarship Recipients...................................................................................15 J.Payment.........................................................................................................................................15 K.Renewal of Awards.....................................................................................................................15 L.Progression Awards.....................................................................................................................16 M.Scholarship Administrator..........................................................................................................16 N.Application Procedures................................................................................................................16 O.On-line Application.....................................................................................................................17 1 Last Revised 12/01/2006
  • 2. P.Continuation.................................................................................................................................17 VII.BP PLAN FORMS........................................................................................................................17 A.Group Insurance Enrollment Form (Form C-324) (Two pages).................................................17 B.Extended Health Care Claim (Form EHC-E)(Two pages)..........................................................17 2 Last Revised 12/01/2006
  • 3. A. BP PLANS I. RETIREE CONTACT LISTING A. Pension Payments, Banking Arrangements, and Tax Slips DB Pension Plan Trustee CIBC Mellon Global Securities 1-800-565-0479 Pension Benefits Payments PO Box 5858, Station B London, Ontario, N6A 6H2 B. Pension Calculations, Start Pension, Martial Breakdown, Survivor Benefits DB Pension Plan Administration BP Canada Pension Centre 1-888-802-7387 Suite 1000, 201 City Centre Drive Fax: (905) 272-6300 Mississauga, Ontario, L5B 4E4 DC Pension Plan Administration Group Retirement Services 1-800-724-3402 C. Benefit Coverage Questions, Claims Inquiries, and Forms Group Benefit Plan Administration  Sun Life Financial Claims Addresses: Sun Life Financial P.O. Box 2880, Station Main Edmonton, Alberta T5J 4S6 or Sun Life Financial P.O. Box 4023, Station ”A” Toronto, Ontario M5W 2P7 Phone 1-800-361-6212 World Web Site – www.sunlife.ca/member  Out of Province Emergency Worldwide Assistance (24-Hour Helpline) From Canada & U.S. 1-800-511-4610 From all other countries (202) 296-7493 (Collect) Fax: 1 (202) 331-1528 D. Payroll Administration  Contact for: Pre Merger Medicare Refunds and Medicare Deductions from Pension Cheques – Phone (4030 508-4656  Contact for: Payment of Optional Life Insurance Premium, Enrolment of Retirement Benefits, Personal Information, and Beneficiary Changes – Phone (403) 508-4532 EDS Canada P.O. Box 200 Calgary, Alberta, T2P 2H8 3 Last Revised 12/01/2006
  • 4. Fax: (403) 508-4511 Note: If you move or wish to change Beneficiary, you must provide your changes in writing. Please use Form C-1547 (Address Change) or Form C-324 (Beneficiary Changes). Be sure to include your employee number. E. Death Claims for Life Insurance and Inquiries, Scholarship Plan BP Canada Human Resources Human Resources Josee Anderson, Benefits Administrator: (403) 233-1113 Email: josee.anderson@bp.com Fax: (403) 233-5795 P.O. Box 200 Calgary, Alberta T2P 4T4 F. For Issues or Problems with Retiree Benefits (other than Pension) BP Canada Human Resources Josee Anderson, Benefits Administrator: (403) 233-1113 Email: josee.anderson@bp.com II. MEDICAL PLAN A. MEDICAL BENEFITS AT A GLANCE  Annuitants are provided with a company subsidized extended health care plan that supplements provincial insurance coverage. B. ELIGIBILITY AND ENROLLMENT  The medical coverage you had while employed will continue for you and your dependents upon your retirement and will continue until the annuitant passes away. C. COVERAGE  Provincial health plans vary across the country in terms of coverage they provide.  The BP coverage is similar. It is our understanding that Sun Life of Canada is administrating, four different, extended medical plans for BP Canada. .  Because each plan, while being similar, they are slightly different, and you MUST refer to the plan booklet, provided to you on retirement, for your particular coverage. If you have questions or need more information on any of the benefits or claims procedures you should contact SUN LIFE FINANCIAL, Customer Service at 1-800-361-6212 or Out of Province Emergency at 1-800-511-4610.  It should be noted that the benefits to which an individual is entitled are determined solely by the provision of the applicable benefit plan implemented at the time of your retirement. D. SAVE YOUR SUN LIFE ACCESS ID ON THE WEB  You have the option to save your Access ID on your computer and save time. By selecting this feature, your Access ID will be pre-filled when you next visit the Sign in page, provided you're using the same computer. This feature does not save your password.  To save your Access ID: o Access the Sun Life Website at www.sunlife.ca/member. 4 Last Revised 12/01/2006
  • 5. o On the Sign in page, enter your Access ID and password. • Select Save your Access ID, then Submit. • Follow the prompts that guide you through the next steps.  Protecting Your Information  Your Access ID will be stored on your computer only. To help ensure that your personal information is not accessible to others, do not save your Access ID if you share your computer with another person. Please keep a record of your Access ID, as you will still need it to access Sun Life Financials Customer Care Centre-Call Centre. (You can print an Access ID card from the Access Info menu option that appears above the blue navigation bar.) If at any time you wish to disable this feature, you can switch off the option by selecting Remove your saved Access ID on the Sign in page.  Questions - If you do not have your Access ID or if you have any questions, please contact Sun Life at 1-800-361-6212. ANTS NEWSLETTER EDITORS NOTE As a Senior Citizen in the Province of Alberta, age 65, the Alberta Blue Cross Medical Plan automatically covers you. Alberta Health and Wellness covers 70% of the cost of prescription drugs, including insulin. You pay the other 30% up to a $25.00 maximum per prescription or refill. When you have medical prescriptions filled, you will receive a drug store receipt, showing the details and the cost of the prescription and how much you paid. Attach these receipts to the Claim for Extended Health Care form and send them into Sun Life of Canada for 80% payment of the remaining 30%. If you had been issued a prescription drug card while employed by BP, you will present your card to the pharmacist, as you did prior to retirement. Once the annual deductible has been satisfied, 80% of the cost of the Least Cost Alternative (LCA) prescription drugs will be processed and paid for automatically. If your pharmacist is unable to process your drug claim using the card, you may submit your claim using the Claim for Extended Health Care form as described above. III. MEDICAL PLAN TIDBITS Editors note: It should be noted that the benefits to which an individual is entitled are determined solely by the provision of the applicable benefit plan implemented at the time of your retirement. If you are in doubt about your coverage, you should contact Sun Life Insurance before any purchase is made. A. Orthotics & Orthopedics  Understanding orthotics and orthopaedic shoes Sore feet? Sore back? Do you think orthotics or orthopaedic shoes will help? Well, it’s best you find out from the right people. Your benefits plan is designed to help pay only for orthotics and orthopaedic shoes that are medically necessary, and that is best determined by your doctor or a specialist.  What are orthotics? Orthotics are designed to treat or adjust various foot disorders. The orthotics covered by your health plan are custom-made specifically to meet your particular needs. They fit inside regular shoes and help keep the foot in proper alignment. There are a number of commercially made devices, such as cushioned heel cups or insoles for shoes that are sold over-the-counter in pharmacies or other retail stores. These are not covered under your benefits plan. 5 Last Revised 12/01/2006
  • 6.  What are custom-made orthopaedic shoes? Custom-made orthopaedic shoes are made from raw materials (from the ground up). A qualified feet care specialist takes an impression of your foot in order to make a shoe specifically designed to meet the needs of your medical condition.  Be sure you're getting the 'real thing' o Choose a practitioner who is qualified to perform orthopaedic assessments and who is properly licensed within your province. Podiatrists and chiropodists are regulated by provincial colleges and must abide by certain standards of practice. You can check their credentials by calling the appropriate college or by visiting their website. o Orthotics for sports, recreational activities or for your general comfort are not covered under your plan. o Shoes that are advertised in catalogues are not custom-made orthopaedic shoes and therefore aren't covered by your plan. Stay away from ‘specialists’ who try to pass these off as custom-made. o It is improper for practitioners to offer discounts or coupons as an incentive to buy orthopaedic footwear. Don’t accept these offers from anyone for orthotics or orthopaedic shoes. If it sounds too good to be true, it probably is. o If you are offered such discounts, contact Sun Life Financial’s Investigative Services unit at 1-888-882-2221 or e-mail clues@sunlife.com.  When you have a claim Complete an Extended Health Care claim form. Include a copy of the recommendation or referral from your specialist, which should indicate the medical condition the orthotic or orthopaedic shoe, is being prescribed. Attach your receipt showing that the products have been paid in full and received. From the BP Calgary Benefits News Bulletin #2 - May 2005 B. Changes to Chiropractic and Podiatry Benefit Coverage  Effective July 1, 2005, the Alberta government amended its regulations to allow group benefit plans to pay for chiropractic and podiatry expenses from the date initial services are provided. Before this change, the Alberta Health Care Insurance Plan (AHCIP) pays a per visit maximum of $13.23 for chiropractic services up to an annual maximum of $200, and up to an annual maximum of $250 for podiatry services before employees can submit out-of-pocket expenses to the group benefit plan for reimbursement.  Effective July 1, 2005, BP Canada revised the group benefit plan coverage to include chiropractic and podiatry expenses from the date of first visit. This means that, as of July 1st, you can begin to submit any expenses you incur for chiropractic and podiatry claims immediately.  Sun Life Financial has adjusted their claims system to accommodate the change in legislation and pay claims accurately. If you submitted a chiropractic or podiatry claim for services incurred between July 1, 2005 and September 23, 2005, you will receive a notice from Sun Life advising of the adjustment of your claim. If you have any questions about your chiropractic or podiatry claim, please contact Sun Life Financial directly at 1-800-361-6212. C. Ostomy Supplies  Under the terms of your policy with BP, there are provisions for ostomy supplies, at a coinsurance of 80%, once the plan has been exhausted.  The Alberta Aid to Daily living program (AADI) has the clients:  Pay 25% of the cost of benefits  To a maximum of $500.00 / client / family / benefit year 6 Last Revised 12/01/2006
  • 7.  Benefit year = July 1 to June 30  AADL will pay supplies providing they are: pouches (closed and trainable), skin barrier wafers, discs, skin barrier paste, irrigation supplies odor control product adhesive discs, appliance cleanser for individuals with a colostomy, ileostomy or urostomy.  Once the provincial plan has been exhausted, Sunlife would then be able to reimburse you for the following supplies:  Hex-On deodorant  Hollister products  Stomach adhesive  Stomatlex  Stomahesive paste  Sur-Fit  Sur-Fit pouches  Unisolve wipes  Micropore tape  Sterile lubricant  Tubing  Surgical gloves  Irrigation syringes D. Understanding Hospital Coverage When you’re hospitalized for an injury or illness the last thing you want to worry about is how you are going to cover the costs associated with your care. It’s important for you to understand where your assistance will come from – either your provincial plan or your group benefits plan.  Your Provincial Health Plan The Canada Health Act establishes the criteria and conditions related to insured health care services - the national standards that provinces and territories must meet. Under the Act, provincial and territorial health insurance plans are required to cover residents for all medically necessary hospital and doctor services on a prepaid basis. If you are a resident of Quebec, you have an option of going to a hospital or to a private clinic; whatever is not paid by the government may be paid by your hospital coverage. Insured hospital services include medically necessary in-patient and out-patient services such as:  Standard or public ward accommodation; (a hospital room with three or more beds)  Nursing services;  Diagnostic procedures such as blood tests and X-rays;  Drugs administered in hospital;  Use of operating rooms, case rooms and anaesthetic facilities. Costs not covered under provincial plans include private and semi-private hospital room, some drugs, some medical equipment, private duty nursing care, dental care, prescription drugs for individuals under 65, and emergency health costs incurred while traveling outside the province.  Your group retiree benefits coverage Your group retiree benefits plan may cover some, or all of the extra cost the hospital charges for preferred accommodation such as semi-private or private accommodation. This depends on your retiree benefit plan you received from BP Canada at retirement. If you are planning a hospital stay you might want to 7 Last Revised 12/01/2006
  • 8. contact Sun Life Customer Care Centre (1-800-361-6212) so that you know what accommodation options are available under your plan. When you are admitted to the hospital, you will be asked to sign an authorization form so that the hospital can bill Sun Life directly for your stay. This way you don’t have to pay for these services upfront. The form will make you aware that you are responsible for any part of the bill that is not eligible for coverage under your group benefits plan.  What can I be charged for? Phone and television hook-up and rental are services you could be charged for but would not be covered by your hospital benefit. Doctor services you could be charged for but would not be covered under your benefit include elective cosmetic surgery, advice received from your doctor over the phone, providing medical certificates required for work, school, fitness clubs and /or insurance purposes, and testimony in court.  Ensuring Accuracy Although you do not pay for your hospital room expenses directly, it’s important that you are being charged appropriately. As with any type of service, billing errors can occur and if not corrected, can add unnecessary cost. For example:  Wrong type of room charged. Regardless of the level of coverage provided under your plan, you shouldn’t be charged when: o You requested and authorized ward accommodation even if you are placed in a semi-private or private room, or o You requested and authorized a semi-private room but were given ward accommodation (e.g. because the room type you requested was not available).  Special accommodation. You shouldn’t be charged for a semi-private or private room when your doctor recommends this type of accommodation, for example: o Your condition requires you to be isolated from other patients, or o You require a special type of room or unit, for example, a birthing room, the intensive care unit, the transplant unit, etc.  Number of days in hospital. You should be charged for either the day you’re admitted to the hospital or the day you’re discharged, not both.  Days not in hospital. You should only be charged for the days you actually occupy the semi-private or private room. For example, you should not be charged if the room is held for you while you go home on the weekend.  Submitting a claim In most instances the hospital will submit your claims for you however, before you leave the hospital you should ensure you are being charged appropriately. Your invoice must include:  Patient's name  Hospital file #  Cost of the stay (must include breakdown between semi-private and private accommodation)  The signature of an authorized hospital official  The dates of admission and discharge  Number of days - units  That the patient’s signature is on file  Type of care (acute, convalescent, chronic, rehab, other) 8 Last Revised 12/01/2006
  • 9. When you receive your claims statement from Sun Life Financial or a statement from the hospital, review the dates and type of room expenses the hospital charged. If you notice any errors or are uncertain about the charges, please let Sun Life know. Sun Life will contact the hospital on your behalf about any issues with your claim. E. Private Duty Nursing Sun Life Financial can help you get the care you need once you’ve been released from the hospital. Your group retiree benefits plan covers out-of-hospital private duty nurse services when deemed medically necessary. If your doctor has determined that you need nursing care, simply contact Sun Life’s Customer Care Centre at 1-800-361-6212 and we will assist you in getting the help you need through our preferred partnership with Bayshore Home Health. Our Customer Care Representatives will complete a health questionnaire with you and forward it to Bayshore. Bayshore will then contact you to set up a meeting to discuss your needs. Should you decide to work with them all nursing costs will be billed to Bayshore and they will submit costs to Sun Life Financial on your behalf. What you need to know Services must be for nursing care, and not for custodial* care. The private duty nurse must be a nurse, or nursing assistant who is licensed, certified or registered in the province where you live and who is not a blood relative or does not normally live with you. The services of a registered nurse are eligible only when someone with lesser qualifications cannot perform the duties. Certain conditions and limitations apply; be sure to ask for these details when speaking with the Customer Care Representative of Sun Life. *Custodial care includes services such as feeding and bathing a patient F. Some Definitions You Should Know  A semi-private room is a room that contains only two beds, regardless of whether both beds are in active use.  A private room is a room that contains only one bed.  Hospital: A facility licensed to provide care and treatment for sick or injured patients, primarily while they are acutely ill. It must have facilities for diagnostic treatment and major surgery. Nursing care must be available 24 hours a day. It does not include nursing homes, rest homes, homes for the aged or chronically ill, sanatoriums, or convalescent hospitals. It is important you check this definition in your benefit booklet.  Convalescent hospital: A facility licensed to provide in-patient convalescent care and treatment for sick or injured patients. Convalescent hospitals are primarily designed to provide physiotherapy, physical rehabilitation to recover from accidents or medical procedures. Many residents of convalescent homes anticipate a return to their own homes after recovery. Nursing and medical care must be available 24 hours a day. It does not include a nursing home, rest home, home for the aged or chronically ill, or sanatoriums. It’s important you check this definition in your benefit booklet. 9 Last Revised 12/01/2006
  • 10.  If you have questions about an upcoming hospital stay please contact Sun Life Financial at 1-800-361-62212. G. Understanding Your Medical Benefit  Medical Equipment and Supplies Your provincial (or territorial) government health plan provides you with basic health care benefits, such as hospital ward accommodation, doctors’ fees and the cost of any drugs required during a hospital stay. Some provincial plans also help cover the cost of medical equipment or supplies you may need due to illness or injury. You should check your provincial plan to see what coverage is available before submitting a claim under your group retiree benefit plan. (Your group benefit plan is designed to pay for expenses not covered by your provincial plan.) Coverage for medical equipment and supplies varies widely from one provincial health plan to another. Some provinces have programs specially designed to cover these types of expenses – for example: Alberta Aids to Daily Living (AADL), Ontario Assistive Devices program (OAD), Saskatchewan Aids to Independent Living (SAIL) and the Yukon’s Chronic Disease Program (CDP). These programs may cover items such as colostomy supplies, prosthetics, crutches and braces, orthopaedic shoes, hearing aids, walkers and hospital beds. Note: Not all programs cover all these items, and some limits may apply. For example, Alberta’s AADL will provide long- term leasing of electric and manual wheelchairs. Other provinces provide coverage for some of these services and supplies up to a certain dollar maximum. You can get a list of what your provincial health plan covers by visiting Sun Life’s website at www.sunlife.ca/member. Under the Resource Centre tab along the top of the page, select provincial health plans and then select your province of residence. Or you can visit your provincial health plan website directly for more details. Then check your group retiree benefits booklet to find out what your group retiree benefits plan covers or call Sun Life Financial at 1-800-361-6212. Understanding all of your coverage options can help save you time and money. H. Making a Claim If your provincial health plan covers the expense you are claiming, you must submit your claim to that plan first, then to your group benefits plan. To claim these types of expenses under your group benefits plan, you will need to provide Sun Life with a note from your doctor. The note should include the nature of your illness or disability, the services and supplies needed and for how long they are needed. Before you buy or rent medical equipment, it’s best to submit an estimate to Sun Life or give Sun Life a call at 1-800-361-6212 to discuss your purchase. If your claim is approved, the amount reimbursed will be based on your plan’s maximums and coinsurance (percentage covered). If you have any questions about coverage for medical equipment and supplies covered under your group retiree benefits plan, you can call Sun Life’s Customer Care Centre at 1-800-361-6212. 10 Last Revised 12/01/2006
  • 11. IV. TRAVEL INSURANCE WHAT WOULD YOU DO IF YOU WERE FACED WITH A MEDICAL EMERGENCY WHILE TRAVELLING OUTSIDE YOUR PROVINCE, ESPECIALLY IN A FOREIGN COUNTRY? HERE IS THE ANSWER!!! A. Understanding your Travel Benefit  A medical emergency while travelling can be a frightening and costly experience. But with your Sun Life Financial group benefits plan you’ll have the protection you need and you’ll have access to the expertise of our emergency travel assistance partner – Worldwide Assistance Services Inc. (Worldwide Assistance) 24 hours a day if you suffer an illness or injury while away from home. B. When You Travel  Before you leave, be sure to print a copy of your Travel Card. You can do so quickly and easily by logging on to the Plan Member Services website at www.sunlife.ca/member (See Note 2). All contact information is printed on your card.  At the time of a medical emergency, you or someone with you must contact Worldwide Assistance before receiving medical care. Any invasive and investigative procedures (e.g. surgery, angiogram MRI) must be pre-authorized by Worldwide Assistance, except in extreme circumstances. Note: If Worldwide Assistance is not contacted, your claim may be denied or payments limited for all expenses related to those emergency services. C. What’s the definition of ‘Emergency’? A. Emergency means an acute illness or accidental injury that requires immediate, medically necessary treatment prescribed by a doctor. An emergency ends when you are medically stable to return to the province where you live. B. What’s the definition of ‘emergency services’? C. Emergency services mean any reasonable medical services or supplies including advice, treatment, medical procedures or surgery required as a result of an emergency. D. When appropriate, WA staff will: refer you to a medical facility or physician, confirm your coverage and benefits, facilitate payments to a hospital or medical provider whenever possible. D. Chronic pre-existing conditions  There are some emergency services you aren’t covered for, or there may be limits and conditions that apply. Please ensure you visit the Sun Life Plan Member Services website to understand your coverage. Note: When you or a family member has a chronic pre-existing condition, emergency services do not include treatment provided as part of an established management program for a chronic condition that existed before you left your province of residence.  Here are some examples of when emergency services would, and would not be covered: o A member has a chronic asthma condition that they manage with medication. While traveling abroad, they suffer an unexpected asthma attack and require emergency medical treatment. This treatment would be covered because it is an illness that requires immediate medical attention that can’t wait until the member returns home to Canada. 11 Last Revised 12/01/2006
  • 12. o A member with kidney disease requires regular dialysis treatments to manage their chronic condition. While traveling abroad, they are unable to access their regular treatment. In this case, any dialysis treatment or any medical emergency resulting from the absence of such treatment would not be covered. It is expected that the member would make arrangements for continued dialysis, as required, during their trip. o A member with a heart condition needs to take blood thinner medication and has to be monitored regularly to ensure that the clotting time of their blood is within the desired range (PT/INR monitoring). While traveling abroad, these monitoring visits would not be covered if they decide to go to a doctor's office to have their blood levels checked, as they are not considered to be an emergency service. However, if the patient ran into complications (i.e. develops a blot clot causing a stroke or embolism) and needed emergency care, the emergency services would be covered E. What’s to do in a Medical Emergency  Seek medical attention. If possible, first call the Worldwide Assistance 24 hour operations centre in Washington, D.C. If you have to seek emergency medical help before calling WA, request that the hospital staff contact WA for you.  Give WA the information on your Medi-Passport card, (which was issued to you by the HR Department) and a description of the situation.  When you contact WA, their staff will assist you by referring you to a medical facility or physician and confirming your coverage and benefits.  Please give WA your hospital, hotel or other current telephone number, so they can stay in touch with you.  In an emergency, contact Worldwide Assistance Services Inc. as soon as possible. Physicians and hospitals can call to confirm benefits and arrange direct payment. WA operations centre in Washington, D.C. is open 24 hours a day. o In the USA and Canada, call:1-800-511-4610 o Elsewhere, call collect: 1-202=296-7493 o Fax: 1-202-331-1528 o Email:ops@worldwideassistance.com  Note 1: The above article was copied, in part, directly from the Sun Life Insurance Company booklet provided to each of you by the BP Human Resources Department and the BP Canada Employee Benefits News.  Note 2: We would like to point out that when you go into the website www.sunlife.ca/member you will be required to enter your Access ID and Password. Sun Life provided this information to you when all annuitants received this data some time ago. V. LIFE INSURNACE A. Basic Coverage  Upon retirement, your company-paid life insurance will be reduced to 50% of your pre-retirement base salary. It will be reduced 5% for each year of the following five years and remain at 25% of your pre-retirement salary (minimum $10,000) for the rest of your life. Years of Retirement Life Insurance Coverage First 50% of Pre-retirement earnings Second 45% of Pre-retirement earnings Third 40% of Pre-retirement earnings 12 Last Revised 12/01/2006
  • 13. Fourth 35% of Pre-retirement earnings Fifth 30% of Pre-retirement earnings Sixth and subsequent 25% of Pre-retirement earnings (minimum $10,000)  As Basic Life Insurance premiums are paid by BP Canada, they are deemed to be a taxable benefit. A T-4A Statement of Pension, Retirement, Annuity and Other Income tax form will be issued every year with the amount paid by BP Canada. Therefore, it is important that you keep your address information up to date. Contact Human Resources for a change of address form. B. Naming a Beneficiary BP Canada provides and pays the premium for a Group Life insurance as part of the BP Canada Retiree Benefit program. One of the most valuable rights you have under your life insurance is the right to decide who will receive the benefits when you die. You can name, as many beneficiaries as you like, and designate what portion of your life insurance will go to each. Your beneficiary(s) can be a named individual(s), your estate, a trustee, a corporation, a charitable organization, or any other entity you wish. It’s important that you review your beneficiary designation(s) whenever changes occur in your family, marital or financial situation. You’re entitled to change your beneficiary at any time, except in very rare cases where the beneficiary designation is made irrevocable*. (*This is explained in the “What does that mean?” section.) Where Quebec law applies, a spouse beneficiary is irrevocable unless you make the designation revocable. The insurance carrier will not pay life insurance proceeds to a beneficiary who is under the legal age for their province of residence. If you are naming a minor child as your beneficiary, you must also designate a trustee who would receive the money on their behalf. (In Quebec, there is no legal requirement that a Trustee be designated, but if there is one, a Trustee must be established by a separate trust agreement.) In Canada, if a beneficiary has not been named, or if a named beneficiary is no longer alive and no conditional beneficiary has been named, your life insurance is typically payable to your estate. It is important to be very clear when naming your beneficiary – i.e. show the individual's full name and their relationship to you so there can be no confusion, especially where you may have family members with similar names. Also, if you are naming more than one beneficiary, you should clearly indicate what percentage should go to each. If you would like to update your beneficiary designation, please complete the Group Insurance Enrolment Form found on the BP Retiree Website. Once completed and signed, please return to: Josée Anderson, Benefits Administration Human Resources BP Canada Energy PO Box 200 Calgary, AB T2P 2H8 C. Irrevocable Beneficiary - What does that mean? An irrevocable beneficiary is one whose rights to your life insurance proceeds can’t be cancelled or changed by you without the beneficiary's express consent. 13 Last Revised 12/01/2006
  • 14. The vast majority of beneficiary designations are revocable, meaning they can be changed at any time. The exceptions are:  In situations where you specifically state that the designation is irrevocable;  Under Quebec law, where designating your spouse as beneficiary is automatically irrevocable unless you specifically state that it is revocable. If you have questions about beneficiary designations please contact your BP Canada benefits administrator, Josée Anderson (403) 233-1113 or josee.anderson@bp.com. VI. SCHOLARSHIP PLAN A. Objective  The purpose of the scholarship plan is to encourage academic excellence and the pursuit of higher education among the children of BP Canada Energy Company employees. B. Number of Awards Up to thirty-five (35) entrance scholarships annually, at either the university level or the college level. C. Value and Duration of the Awards  $1,000 CDN per annum for university or college studies, tenable for up to four consecutive years or until first degree/diploma is obtained. N.B. If a student is taking a three-year degree program prior to studies for a first professional degree such as law, medicine, education, etc., the scholarship recipient may qualify for each year of the first degree plus the consecutive year towards the professional degree but only to a maximum of four consecutive academic years or the equivalent. D. Type of Award  Applicable towards full-time studies and entrance to the first year of a first undergraduate degree or diploma. E. Eligibility  Applicants who have previously held a BP Canada Energy Company Scholarship will not be eligible to reapply.  Eligible applicants are dependent children of: o Regular, retired and employees on long-term disability, as described in the Personnel Policy Manual, who have completed one or more continuous years of service as of June 1; o Deceased employees. N.B. The scholarship will terminate at the end of any academic year in which the parent or guardian of the award holder ceases to be an employee of the Company (except in the case of Long Term Disability, retirement, or transfer to an affiliated company).  Students must be: under 21 years of age.  Students must have: 14 Last Revised 12/01/2006
  • 15. o A minimum average of 70% (or the equivalent) for university studies and 60% (or the equivalent) for college studies in the last three semesters of studies (non-academic courses such as career or personal development related courses will not be considered). N.B. Students who have commenced their post-secondary studies in January are eligible for the June competition. F. Eligible Institutions  Canadian and American educational institutions, which have recognized degree/diploma-granting powers (e.g. universities, colleges/CEGEPs - technical diploma)  University preparatory programs in any jurisdiction are not eligible (e.g. CEGEPs - pre-university diploma) G. Field of Study  No restrictions on the program of study or discipline.  Program must be of a minimum two-year duration. H. Selection of Scholarship Winners  Selection of candidates is made by a committee of Canadian university and college representatives chosen by the Association of Universities and Colleges of Canada (AUCC) with appropriate regard to geographical representation.  Selection Committee’s decision is irrevocable. N.B. BP Canada Energy Company exercises no influence in the selection of the scholarship recipients in the adjudication process.  Evaluation criteria: - Academic performance; - Extracurricular activities or volunteer/community involvement; - Quality of reference letters (one from a teacher and one from a person familiar with your extracurricular activities or community involvement). I. Responsibilities of Scholarship Recipients  Return the signed Award Acceptance Form.  Send proof of registration.  Use the scholarship in the year it is awarded. J. Payment  AUCC will forward payment of the scholarship to the educational institution on behalf of BP Canada Energy Company.  Payment by the institution to the student will be made in accordance with the normal practice of the educational institution.  The institution will issue the relevant T4A slip for income tax purposes. N.B. Payment of awards, for those students attending an American, will be made directly to the institution and the AUCC will issue their T4A slips. K. Renewal of Awards  Scholarship recipients must maintain a full-time course of study as defined by the educational institution. 15 Last Revised 12/01/2006
  • 16.  Recipients must pass all courses (supplementary or repeated examinations taken in the same academic year, including summer sessions, will be considered)  Scholarship recipients must send AUCC an official transcript at the end of each academic year.  Students must complete a Renewal Report provided by the AUCC. N.B. In the event that a scholarship recipient fails one course, the scholarship may be suspended for one academic year, during which the students is expected to study at his/her own expense. To qualify for reinstatement, the student must have passed all courses on the first writing, during the year the award was suspended, as well as being enrolled in a full-time course of studies. At the end of any given year, students who wish to transfer from a program at a college or technical school to a university program, prior to the expiry of the scholarship may receive the remaining years of the scholarship. Students must inform the AUCC in writing by mid-May of the year in which they wish to make the transfer. L. Progression Awards  University level - Where a student achieves an average of 80% (or the equivalent grade point average) or better, the next year's award will be $1,500. If a student passes all courses, but has written a supplemental exam OR has achieved an average of less than 80%, the next year's award will be $1,000.  College Level - Where a student achieves an average of 80% (or the equivalent grade point average) or better, the next year's award will be $1,000. If a student passes all courses, but has written a supplemental exam OR has achieved an average of less than 80%, the next year's award will be $800. The following table will be used to convert the GPA (grade point average): G.P.A. PERCENTAGE (4 point scale) (9 point scale) 4.0 9.0/8.9/8.8/8.7 85-100% 3.9 8.6/8.5/8.4 83-84% 3.8 8.3 81-82% 3.7 8.2 80% NOTE: The G.P.A. or percentage equivalent will NOT be rounded off in a case where a student obtains an average of 79.9% or a G.P.A. of 3.69 or 8.19. M. Scholarship Administrator The Association of Universities and Colleges of Canada (AUCC) administers the scholarship program on behalf of BP Canada Energy Company. The AUCC is the voice of Canada's universities. They represent 90 Canadian public and private not-for-profit universities and university-degree level colleges. Their mandate is to facilitate the development of public policy on higher education and to encourage cooperation among universities and governments, industry, communities, and institutions in other countries. They provide services to member universities in three main areas; public policy and advocacy, communications, research and information sharing and scholarships and international programs. N. Application Procedures  Postmarked application packages must be sent to the AUCC on or before JUNE 1st  An application package must contain: - The completed application form; - An official transcript of the last three semesters of available marks; 16 Last Revised 12/01/2006
  • 17. - A description of your extracurricular activities or volunteer/community involvement; - Two letters of reference; - The Parental Consent form. N.B. Only official transcripts will be accepted. Photocopies will not be accepted unless they bear the original signature, school stamp or seal. O. On-line Application Dependants of BP Canada Energy Company employees have the option to apply for their scholarship electronically using the AUCC’s new on-line application service. Parents are asked to visit www.aucc.ca, click on the icon entitled “Higher education scholarships” and then log on using BP Canada Energy company code number: 038BPC2006. Once the application is submitted, the student will be able to track the status of his or her file using “Scholarship tracking system”. Transcript and reference letters must be mailed to the AUCC. Further information and application forms should be requested directly from the AUCC at the address noted below. Mail to: Higher Education Scholarships Association of Universities and Colleges of Canada (AUCC) Ref: BP Canada Energy Company Scholarship Program 600-350 Albert Street Ottawa, Ontario K1R 1B1 Telephone: (613) 563-1236 Facsimile: (613) 563-9745 E-mail: awards@aucc.ca Internet: www.aucc.ca P. Continuation BP Canada Energy Company retains the right to change and/or end the sponsorship of the scholarship plan without notice. VII. BP PLAN FORMS The following BP Plan Forms listed below are now available for you to use. NOTE: You must print the Form first and then fill in your own personal data. A. Group Insurance Enrollment Form (Form C-324) (Two pages) B. Extended Health Care Claim (Form EHC-E)(Two pages) 17 Last Revised 12/01/2006

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