Waiver of Premium

If you are unable to work due to a total disability and meet the eligibility requirements for disability benefits, you will retain your current Healthcare and Dental coverage at no cost to you.

If you are receiving disability benefits and participate in the HEB Manitoba Healthcare Plan, you may be eligible for an HSA benefit amount under the Waiver of Premium provision ("Premium-Free coverage") depending on your date of disability and your regular paid hours worked (excluding overtime) during the months you were at work and participated in the HEB Manitoba Healthcare Plan in the previous calendar year.

Although you may be eligible for HEB Manitoba Healthcare Plan coverage once you return to work, you may not be immediately eligible for an HSA benefit. Your HSA eligibility depends on the regular paid hours worked (excluding overtime) during the months you participated in the HEB Manitoba Healthcare Plan in the previous calendar year.

Example 1:

You have been disabled since 2018 and are covered under the Waiver of Premium provision. No HSA benefit amount will be provided January 1, 2020, as there are no regular paid hours worked during the months you participated in the HEB Manitoba Healthcare Plan in the previous calendar year.

Example 2:

You have been disabled since October 1, 2019, and are covered under the Waiver of Premium provision. Because your HEB Manitoba Healthcare Plan coverage has been maintained under the Waiver of Premium provision, you are still able to use the HSA benefit amount credited to you in January 2019. Effective January 2020, you will also be eligible for an HSA benefit amount, because you maintained your HEB Manitoba Healthcare Plan coverage and have regular paid hours during the months you participated in the HEB Manitoba Healthcare Plan in the previous calendar year. If you return to work October 1, 2020, you would also be eligible for an HSA benefit amount in January 2021.

In 2020 and 2021, you will receive either the full-time or part-time HSA benefit amount, based on the number of regular paid hours worked (excluding overtime) during the months you participated in the HEB Manitoba Healthcare Plan in the previous calendar year.