Insurance Benefits (Basic and Optional)

Each unit of Employee Life Insurance coverage (Basic and Optional) will be based on either:

  • Your prior year’s annual earnings (rounded to next higher $1,000) if you had a full year of continuous (uninterrupted) earnings in the prior calendar year, or
  • Your estimated annual earnings (rounded to next higher $1,000) for your EFT at the time you were newly hired, became eligible for Life Insurance benefits (e.g. due to an employment status change to an eligible position) or returned to work from an unpaid LOA.

Each April, your coverage will be adjusted as a result of the Annual Earnings Update to reflect any change in earnings from the previous year worked. If your coverage was based on estimated EFT earnings, your coverage will remain in effect until you have one year of continuous earnings in the prior calendar year.

For example, if you are hired in February 2013, the earnings used to calculate your premiums will be based on your estimated annual earnings for your EFT as at February 2013. Your coverage and related premiums will remain at this level and will not be adjusted until the April 2015 Annual Earnings Update. For further details on the Annual Earnings Update, please refer to the Annual Earnings Update page in the Administrative Processes section. 

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Disclaimer - This website provides a basic overview of the Healthcare Employees' Pension Plan (HEPP) and the Healthcare Employees' Benefits Plan (HEBP) (collectively the HEB Manitoba Pension and Benefit Plans). Not all employers participate in all Plans. Please check your eligibility for benefits with your employer.

HEB Manitoba is a name notation registered by the Healthcare Employees’ Pension Plan – Manitoba and the Healthcare Employees’ Benefits Plan – Manitoba and under which each of their respective undertakings is carried out.

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