choices…for a Healthy Future

With the choices Benefit Plan, you and your family can select from three Health and Dental Plan options. Your elections will be effective beginning on January 1 (or your date of hire) through December 31 each year.

If you experience an eligible life event during the year (e.g., marriage, new baby, etc.), you can add or remove dependents as necessary.

For Health and Dental Plan options, you can choose to cover yourself or a family through Manulife Financial Group Benefits. Each choices Benefit Plan includes inclusive coverage for infertility treatment and gender-affirmation treatment, up to lifetime maximums. You can select from:

• choice 1: Teva pays the full costs associated with the Health and Dental Plan, contributes to a Healthcare Spending Account (HCSA) and provides the ability to direct up to 50% of your HCSA to a Fitness Account. Prescription drug coverage is automatically provided.
• choice 2: You pay a portion of the costs associated with the Health and Dental Plan through regular payroll deductions. Teva contributes to a HCSA and provides the ability to direct up to 50% of your HCSA to a Fitness Account. Prescription drug coverage is automatically provided.
• choice 3: You pay a portion of the costs associated with the Health and Dental Plan through regular payroll deductions. You do not have access to a HCSA, but Teva contributes $400 to a Fitness Account. Prescription drug coverage is automatically provided.

Unmarried, dependent children under age 21, or up to age 25 for those attending university or a similar educational institution on a full-time basis, are eligible for Health and Dental Plan coverage. Verification of a dependent student must be completed each August for the upcoming school year. If your dependent child is not eligible for continued coverage as described, you must update your choices account and remove the dependent from active coverage. For more information, please see the Student Verification flyer.

To coordinate claims with another benefits plan (e.g., your spouse’s plan), it is essential that you notify Manulife of any secondary coverage. To make updates to your coordination of benefits, follow the online instructions. If you have difficulty making changes online, contact Manulife Group Benefits at (800) 268-6195.

For more details about each Health and Dental Plan option, see the Overview of Health and Dental Coverage. To access claims information and forms, visit manulife.ca and be prepared with our Health and Dental Plan policy number (86397).

When you enroll in the choices Benefits Plan, you automatically receive prescription drug coverage based on the plan you elect. And, when you select a Teva drug, you do not pay any portion of the cost. Reimbursement is 100% with no out-of-pocket cost to you. To help you find a pharmacy that carries the Teva drug you need, use the “Pharmacy Search” functionality available on your Manulife Group Benefits home page.

An informational pay direct drug card from Manulife Group Benefits will be provided to you, and you can also print a copy of the card from your Manulife homepage. You can use the card to have your eligible prescription drug claims reimbursed automatically at any pharmacy that uses the pay direct system. All you pay is your share of the cost (if any).

Eligible expenses

Depending on your choice, you may be eligible for reimbursement for the following eligible prescription drug expenses:

• Reasonable and customary charges incurred for medically necessary drugs and medicines dispensed by a licensed physician or pharmacist legally authorized to dispense such drugs and prescribed by a physician or other professional authorized by provincial legislation to prescribe drugs for the treatment of an illness or injury, in accordance with the Food and Drugs Act, Canada, provided that these drugs cannot be purchased over the counter without a prescription.
• Injectable preparations identified by the administrator; allergy serums.
• Cost of insulin, needles and syringes for the administration of insulin except where provided by your Provincial Healthcare Plan.
• Anti-smoking prescription drugs and aids (up to a maximum of $300 per year).
• Erectile Dysfunction drugs (e.g., Viagra) up to a maximum of $750 per year.
• Coverage is subject to the reimbursement percentage and annual maximums indicated under the plan you choose.
• Manulife’s Specialty Drug Care is in place for individuals taking medications to treat complex, chronic or life-threatening conditions. Should you be placed in this program, a nurse case manager will reach out to you, arrange for you to get your medication and help you manage your condition.

Ineligible expenses

• Vitamins, baby foods, formulae, dietary food supplements, minerals, proteins.
• Charges for drugs, sera, injectable drugs or supplies which are not approved by Health Canada or are experimental or limited in use whether or not so approved.
• Charges for drugs, sera, injectable drugs or supplies when administered in a hospital setting, whether administered on an inpatient or outpatient basis (covered under Provincial Health Plan).

Before you fill a prescription, keep these prescription drug tips in mind. For questions, contact Manulife Group Benefits at (800) 268-6195 or visit manulife.ca. For additional prescription drug coverage information, see the 2025 Benefits Guide.

Virtual Health Care lets you instantly consult with medical professionals, 24/7/365. You can access our Virtual Health Care platform right from your computer, smartphone or tablet for medical advice and treatment.

You will receive an invitation to register to your Teva email address. For additional information visit Service Now > Teva & Me > My Wellbeing > Virtual Health Care.

If you elect choice 2 or choice 3, you automatically receive dental coverage based on the plan you elect.

Eligible Expenses (if prices are at or below what is listed for general practitioners in the Dental Fee Guide)

• Basic restorative: Fillings (non-cosmetic); Extractions; Removal of impacted teeth and related anesthesia; Endodontics (root-canal); Periodontics (treatment of gum disease); Oral surgery.
• Diagnostics: Oral recall exams limited to twice every 12 months; Complete oral exam and diagnosis once every 24 months; X-rays: single diagnostic x-rays, complete series or equivalent once every 24 months; Study casts, once per year; Consultations.
• Preventative therapy: One unit of 15 minutes for polishing once every six months; Scaling limited to eight units of 15 minutes, every 12 months for age 13 and older (two units—15 minutes each—for scaling every 12 months for children younger than age 13); Topical fluoride twice every twelve 12 months; Passive space maintainers for dependent children.
• Repair, relining and rebasing of dentures.

When you elect choice 2 or choice 3, you automatically receive vision coverage based on the plan you elect.

Eligible Expenses

• Lenses and frames for eyeglasses, laser eye surgery or contact lenses.
• Contact lenses prescribed for severe corneal astigmatism, severe corneal scarring, Keratoconus (conical cornea) or aphakia, provided visual acuity can be improved to at least the 20/40 level by contact lenses but cannot be improved to that level by spectacle lenses.
• Eye examinations performed by a qualified optometrist except where covered by any Provincial Government Plan.
• The insurer starts the 24-month calendar from the date of the last claim considered.

If you elect choice 1 or choice 2, Teva Canada will deposit an amount into a special account with the Insurer called a Healthcare Spending Account (HCSA).

You can use the dollars in your HCSA to pay any medical or dental expense your selected choices Benefit Plan does not cover and that qualifies under the Income Tax as an eligible expense.

Please see the list of currently eligible HCSA expenses through the Canada Revenue Agency and use the search function. For a list of tax rules and claim filing information, see the 2025 Benefits Guide or call Manulife Group Benefits at (800) 268-6195 or visit manulife.ca. Our policy number is 86398.

If you elect choice 1 or choice 2, you can direct up to 50% of your Healthcare Spending Account into a special account with the insurer called a Fitness Account. If you elect choice 3, a Fitness Account will also be available to you.

You can use the dollars in your Fitness Account to pay any expenses associated with an active lifestyle. Eligible expenses include: sport-related membership fees, fitness classes, home gym and outdoor fitness equipment, fitness club fees, personal trainers, wearable fitness monitoring devices and the cost of recognized weight management programs like Weight Watchers (excluding food products).

For a list of rules and claim filing information, see the 2025 Benefits Guide or call Manulife Group Benefits at (800) 268-6195 or visit manulife.ca. Our policy number is 86399.

You can purchase Optional Critical Illness Insurance for yourself or your eligible spouse to provide a pre-determined lump-sum payment from $10,000 to $100,000 (in units of $5,000) should you or your spouse be diagnosed with certain specified conditions listed in the 2025 Benefits Guide.

You pay the cost for Optional Critical Illness insurance through payroll deductions. The cost of this coverage is based on your age, gender and non-smoker/smoker status (or that of your spouse for Spouse’s Critical Illness Insurance).

When you join Teva, you can elect or increase your Critical Illness Insurance. You will need to complete a Evidence of Insurability form. If you do not complete the EOI form when required, or if you are not approved by the insurer, you will not be enrolled in the coverage you have requested. You will be notified when your coverage has been determined by the insurer.

For more information on Critical Illness Insurance and examples of how to calculate premium rates, please see the 2025 Benefits Guide or visit My Teva > Teva & Me > My Benefits > choices Benefit Plan.

Mindfulness is about tapping into your human ability to be fully present and aware—of who you are, what you’re doing and where you are. Practicing mindfulness trains your brain to cope with stress in positive and productive ways. A variety of mobile apps can help you start or maintain a mindfulness routine.

• Daily Strength – Knowing when you need help is a sign of strength. Share your experience and join a support group to connect with those on the same path.
• Headspace – There are a lot of unknowns in the world right now. But, one thing is certain: Headspace is here for you. To help support you through this time of crisis, Headspace is offering some meditations you can listen to anytime.
• Smiling Mind – Thrive Inside is a special COVID-19 initiative to help you stay safe and healthy in the physical constraints of your home, while remaining calm and healthy inside your mind.

The EAP through Telus Health provides comprehensive mental health support and assistance finding child and elder care. Please call (844) 671-3327 or visit the EAP online (U: teva; P: eap). For more information, download the Telus Health mobile app or review the FAQs.

Plus, visit TELUS Health’s dedicated crisis response webpage. This page includes practical advice for coping with traumatic events, as well as a phone number to call for professional support.

Enhanced Employee Assistance Program

The enhanced Total Mental Health EAP through TELUS Health provides all services as the Employee Assistance Program plus unlimited access to immediate care available by phone, text, video and in-person. This program also offers personalized care plans and provides personalized guidance with clinical and care coordinators. The enhanced EAP will be available starting December 1, 2024. For additional information visit: Service Now > Teva & Me > My Wellbeing.

Mental Health Support

Employees and their dependents are encouraged to call our EAP to access confidential assistance in dealing with any personal matter. There is no cost to you and your family for this program. EAP services can be accessed by telephone or online, including through a mobile app with video chat capability. The EAP also connects you and your dependents to many online articles and educational webinars.

Child and Elder Care

Family support consultants can provide information on: day care centers, educational services and special needs programs, parenting classes, emergency home care services, seniors’ accommodations and nursing homes, caregiver support groups and transportation services.

Carepath by Bayshore is an innovative healthcare navigation service that provides comprehensive and personalized care to you and your dependents. Connect with a dedicated Nurse Case Manager who can help you with:

• Chronic disease program supported by a dedicated specialist who advocates for you, offers education on your condition, coordinates access to tests and treatments, develops a personalized care plan, provides a virtual second opinion and more.
• Cancer guidance with support from medical professionals who can explain a diagnosis, prepare you for a doctor’s appointment, assess recommended treatments and more.
• Elder care/caregiver support, including help finding senior living facilities, accessing local community resources, participating in health education and one-on-one coaching and more.

We care about our 2SLGBTQI+ employees and their loved ones. When we review and update our benefits program, we always keep the physical, emotional and family needs of 2SLGBTQI+ employees in mind.

The Teva Canada retirement program offers quality investment options and very low investment management fees across a range of plans.

• Registered Pension Plan (RPP): Teva Canada’s Defined Contribution (DC) Pension Plan provides a matching contribution of 4% (minimum), 5%, 6% or 7% (maximum) of your base salary and bonus.
• Group Registered Retirement Savings Plan (RRSP): You can contribute to the Group RRSP, up to your Income Tax Act (ITA) maximum, lowering taxable income and enhancing retirement savings.
• Tax-Free Savings Plan (TFSA): You can contribute on an after-tax basis up to annual limits set by the Canada Revenue Agency (CRA), allowing for flexibility in the event you need to access your account.

To learn more about saving for retirement, view our Employee Education Session. For additional retirement plan details, please see the 2025 Benefits Guide. To enroll in these plans, visit My Teva > Teva & Me > My Benefits > Retirement and Pension Planning (CAN).

You can contribute between 1% and 10% of your base salary to purchase Teva stock, and Teva Canada provides a matching 15%. Stock is purchased following each quarter.

To enroll, change your contributions or stop participation, see the detailed instructions. For questions about transactions or account issues, call (866) 748-5148.

Keeping track of your investments and finances can add stress to an already uncertain time. Our retirement savings provider (Manulife Group Retirement) and our financial planning service (Clearpoint Benefit Solutions) are available to answer your questions and provide additional information related to your personal finances.

Manulife Group Retirement offers some helpful tips on dealing with market volatility, as well as access to on-demand webinars. These sessions can help you learn more about what drives the swings in the investment market, what you need to know when investing and how to manage your risk based on logic rather than emotion.

Clearpoint Benefit Solutions also provides some valuable insights on managing through market volatility, as well as ideas and key numbers you should know when managing your personal finances. They also provide a series of recorded webinars that include more in-depth discussions about money:

• Session 1: The Psychology of Money
• Session 2: Take Control of Your Money
• Session 3: Saving and Investing
• Session 4: Financial Protection

(Please note: Clearpoint Benefit Solutions materials are available in English only at this time).

For retirement savings questions, call Manulife Group Retirement at (888) 727-7766. For personal finance questions, contact Jim Yih or Sarah Milton at Clearpoint Benefit Solutions by calling (877) 791-6964 or sending an email (this service is offered at no cost to you).

The EAP provides information and useful articles on financial planning, credit and debt management, budgeting, investing, retirement, will preparation, legal, tax and real estate/mortgages—at no cost to you.  EAP services can be accessed by telephone or online, including through a mobile app with video chat capability. The EAP also connects you and your dependents to many online articles and educational webinars. Please call (844) 671-3327 or visit the EAP online (U: teva; P: eap).

The choices Benefit Plan provides access to different levels of Life Insurance, Accidental Death & Dismemberment (AD & D) and Business Travel Accident Insurance based on your needs.

Coverage is provided automatically by Teva at no cost to you. Coverage begins on your date of hire. The Canada Revenue Agency considers Teva Canada’s cost of providing this benefit as a taxable benefit to you. On each pay, the premium cost for providing this coverage is included as part of your pay for tax purposes only.

For Dependent Life Insurance, the plan will provide $10,000 in the event or your spouse’s death and $5,000 for each child’s death.

For Dependent Life Insurance beneficiary information and additional details, please see the 2025 Benefits Guide. Evidence of Insurability may also apply for increased levels of coverage.

For additional coverage details, please see the 2025 Benefits Guide.

You can also elect to purchase Optional Life Insurance coverage for yourself, your spouse and your dependents. Your participation in these plans is completely voluntary. You pay the cost of Optional Life Insurance through convenient payroll deductions.

Optional Employee Life Insurance

You can choose to purchase coverage from $10,000 to $250,000 in units of $10,000. The cost of this coverage is based on your age, gender, and non-smoker/smoker status. To qualify for non-smoker rates, you must abstain from smoking or using any tobacco products for a period of 12 consecutive months prior to the date of application for coverage and throughout the term of the insurance contract.

For Optional Life Insurance premiums rates, beneficiary information and additional details, please see the 2025 Benefits Guide. Evidence of Insurability may also apply for increased levels of coverage.

Optional Spousal Life Insurance

For Optional Spouse Life Insurance, you can choose to purchase coverage from $10,000 to $250,000 in units of $10,000. The cost of this coverage is based on your spouse’s age, gender, and non-smoker/smoker status. To qualify for non-smoker rates, your spouse must abstain from smoking or using any tobacco products for a period of 12 consecutive months prior to the date of application for coverage and throughout the term of the insurance contract.

For Optional Spouse Life Insurance premiums rates, beneficiary information and additional details, please see the 2025 Benefits Guide. Evidence of Insurability may also apply for increased levels of coverage.

You can elect to purchase Optional AD & D Insurance coverage for yourself and your family. Your participation in these plans is completely voluntary. You pay the cost of Optional AD & D Insurance through convenient payroll deductions.

Optional Employee AD & D Insurance

You can choose to purchase coverage from $10,000 to $250,000 in units of $10,000. The cost of this coverage is based on a flat rate per $1,000 of coverage.

For additional details and examples on how to calculate the cost of coverage, please see the 2025 Benefits Guide.

Optional Family AD & D Insurance

The coverage you purchase for your dependents is a percentage of your Optional AD&D Insurance coverage as shown below. The cost of this coverage is based on a flat rate per $1,000 of coverage.

For additional details and examples on how to calculate the cost of coverage, please see the 2025 Benefits Guide.

Company-paid Short Term Disability (STD) benefits provide a continuation of pay while you are unable to work due to non-occupational illness or injury.

The STD Plan can continue a portion of your salary for up to 26 weeks. This benefit is equal to 75% of base weekly earnings, up to a maximum of $3,500 per week.

Benefits begin on the first day of disability due to an accident, first day of disability due to hospitalization or on the sixth day (or first workday following one work week) for disability due to illness.

If you are disabled, and your disability continues beyond the 26 weeks covered by the Short Term Disability Plan, the Long Term Disability (LTD) Plan may provide you with financial security until you return to work (provided you are deemed disabled by the insurance company).

You pay for LTD coverage through payroll contributions, and the benefit, when paid by the Insurer, will be paid on a tax-free basis. Benefits may continue until you recover, you die or you retire, whichever comes first.

You have three LTD options to choose from (and the cost of coverage will depend on your selection and salary):

Plans:

Examples: Cost of coverage

The cost of coverage is based on salary (annual base salary and target bonus). Premium rates are calculated per $100 of LTD benefit on a monthly basis. These cost of coverage examples feature premium rates effective January 1, 2025.

The premium rates for 2025 are: choice 1: $1.515; choice 2: $1.651; choice 3: $1.856

If you want to increase the amount of LTD coverage you have (following your initial choice), you will be required to complete an Evidence of Insurability form. When applying for LTD you must be actively at work in order for your application to be valid. If you do not complete the EOI form when required or if you are not approved by the insurer, you will not receive the increased coverage you requested. You will be notified when your increased coverage is approved.

To calculate your LTD premium rates, understand the criteria for qualifying for LTD benefits and view additional plan details, please see the 2025 Benefits Guide.

Global Excel Management–Manulife’s Emergency Travel Assistance provider–can assist you and your family in emergency medical situations while travelling outside your province. Emergency Travel Assistance coverage is included in your group benefits plan.

In case of a medical emergency, call Global Excel Management to get in touch with an Emergency Assistance Specialist who will guide you to the most optimal healthcare solution. Call toll-free from around the world:

Canada and the U.S.: 1-800-265-9977
International: Country code + 800-9221-9221

Global Excel Management provides an online claims portal to help you manage your claims. Here you can upload documents, submit claim forms, check the status of claims and access your Explanation of Benefits.

If you have a pre-existing medical condition, the condition must be medically stable to be included in this coverage. You are urged to review the Emergency Travel Assistance brochure carefully before you travel. For more information, visit Global Excel Management.