New Employee

You are considered an eligible new employee if:

• You are a full-time or part-time permanent employee or a full-time or part-time temporary/term employee,
• You belong to an eligible union or group at a healthcare facility that participates in the Plan, and
• You are under age 71.

If you are an eligible new employee, you will automatically be insured for one unit of Basic Life Insurance as of your employment start date into an eligible position. The one unit of Basic Life Insurance is paid for by your employer. You are also automatically provided with AD&D coverage equal to your Basic Life Insurance unit of coverage. This AD&D coverage is provided at no additional cost to you.

Provided the HEB Manitoba Life Insurance Plan Enrolment Form (Enrolment Form) is received within 60 calendar days from your employment start date into an eligible position, you may also elect and pay premiums to receive:

• 1 to 4 units of Optional Life Insurance
• 1 to 10 units of Family (Dependant) Life Insurance.

AD&D coverage equal to the Optional Life and Family (Dependant) Life Insurance units of coverage you elect, is automatically provided at no additional cost to you.

The benefit paid for each unit of Basic and/or Optional Life Insurance is based on your estimated EFT earnings (hourly rate x annual base hours x EFT) as of your employment start date into an eligible position. Your insurance coverage and premium amounts will remain in effect until you have one calendar year of earnings.

Example: You were hired in April 2013. Your full-time annual salary was $39,234 ($20.12/hour with annual base hours of 1950) and your EFT was 0.8.

You enrolled with one unit of Basic Life Insurance plus three units of Optional Life Insurance for a total of four units of Life Insurance. Your estimated gross basic annual earnings for your EFT, as of April 2013, (rounded to the next higher $1,000) were $32,000.

Estimated gross basic annual earnings and bi-weekly premium deductions are calculated as follows:

1. Multiply your full-time annual salary rate by your EFT:

    •  $39,234 x 0.8 EFT = $31,387.20

2. Round up to the next $1,000 = $32,000

3. Calculate your employer’s share and your share of the premium as follows:

    •  Premium rate is $0.0826 per $1,000 of insurance

    •  Basic Life Insurance premium (paid by your employer):
        $32,000/$1,000 x $0.0826 x 1 (unit) = $2.64

    •  Optional Life Insurance premium (paid by you):
        $32,000/$1,000 x $0.0826 x 3 (units) = $7.93

The employer pays a premium of $2.64 for the Basic Life Insurance coverage and you pay a premium of $7.93 for the Optional Life Insurance coverage. The premiums will remain at this level and will not be adjusted until the April 2015 Annual Earnings Update, at which point you will have one year of earnings in the prior calendar year.

Note: Manitoba Retail Sales Tax (RST) must be charged on group life insurance premiums. This requirement affects both employee and employer premiums for HEB Manitoba Employee Life (Basic & Optional) and Family (Dependant) Life Insurance. Please note that all premium calculation examples provided in this section do not include RST.

As part of the enrolment process, you are required to complete, sign and return the Enrolment Form to your employer within 60 calendar days from your employment start date in an eligible position. If you are electing Optional Life and/or Family (Dependant) Life Insurance and your Enrolment Form is received within 60 calendar days from your employment start date into an eligible position, Evidence of Insurability is not required.

If you do not complete and submit the Enrolment Form within 60 calendar days from your employment start date into an eligible position, you will be insured for one unit of Basic (employer-paid) Life Insurance coverage and your beneficiary will automatically be set to your Estate.

If you later wish to elect Optional Life and/or Family (Dependant) Life Insurance, Evidence of Insurability will be required unless the change is due to a recognized significant life event. You must obtain a Canada Life Evidence of Insurability form in addition to the HEB Manitoba Life Insurance Plan Change Form from your employer. Both forms must be completed and the request for additional insurance coverage must be approved by Canada Life.

For further information on Evidence of Insurability requirements, and significant life events, please refer to the Evidence of Insurability and Changes in Coverage pages in this section.

Note: You may decrease your number of Life Insurance units at anytime. However, if you wish to increase your units after decreasing them, Evidence of Insurability may be required.