Late Enrolment

Declaring Family Members Within 60 Days of Eligibility

If you were automatically enrolled for single coverage (“forced-on”) and subsequently declare eligible family members within 60 days, you will be required to pay the difference between single and family premiums retroactive to the effective date of your benefit coverage. Your coverage will also be retroactive.

For example, if your employer commences single coverage premium deductions in September for October 1 coverage, and you submit an Enrolment Form for family coverage on November 30, your employer will collect the difference between single and family coverage premiums for September, October and November. Monthly premium deductions for family coverage will commence in December.

Declaring Family Members After 60 Days of Eligibility

If you were automatically enrolled for single coverage (“forced-on”) and subsequently declare eligible family members more than 60 days after you were eligible to participate, each of your eligible family members will be subject to a one-year waiting period for healthcare and/or dental benefits. You will not be charged family rates until the one-year waiting period ends. The one-year waiting period begins the day you sign the form, provided HEB Manitoba receives the form within 10 business days from the date you signed it. If HEB Manitoba receives the form after 10 business days of you signing it, the waiting period starts on the date HEB Manitoba receives the form.

For example, if your employer commences premium deductions for single coverage in April for May 1 coverage, and you submit an Enrolment Form declaring eligible family members on July 15, your employer will not collect the premiums for family coverage until July of the following year. Your family members will be subject to a one-year wait, and coverage will not take effect until August 1 of the following year.