Coverage Start Date

If you are eligible for coverage, your Basic Life Insurance commences on your employment start date into an eligible position or the date your employment status changes from casual to an eligible position.

Provided the HEB Manitoba Life Insurance Plan Enrolment Form is received within 60 calendar days from your employment start date into an eligible position, your Optional Life Insurance and/or Family (Dependant) Life Insurance coverage commences at the same time as your Basic Life Insurance coverage.

Note: You must be actively at work on the date you become eligible for Life Insurance coverage. If you are not actively at work on the date you become eligible, your coverage, and your eligible dependants’ coverage, will not commence until you return to work and the applicable premiums are deducted.

You are not considered actively at work if you are on an approved LOA, layoff, or participating in a Gradual Return to Work Program during a period of disability.