Article 18

Long-Term Disability Plan (LTD)

Employees shall pay the full premium of the present Long-Term Disability Plan, the benefit level to be 60% of monthly base salary in effect as of the date of disability reduced by:

(i) any form of salary continuation from the employer or benefit from an employer sponsored retirement or pension plan;

(ii) any basic disability benefits payable from government sponsored income security programs (e.g. C/QPP, W.S.I., E.I., or similar programs); but this amount shall not be reduced by amounts payable under:

(i) any privately sponsored group disability insurance plan;

(ii) any increase in benefit arising from the C/QPP as a result of an adjustment in the Consumer Price Index.