| Pension |
D&R |
Healthcare and Dental |
Life Insurance |
| When your leave begins... |
| Pension contributions stop |
Premiums are no longer remitted through payroll.*
*If you are on an unpaid sick leave, HEB Manitoba will maintain your Life Insurance coverage at no cost to you for up to 12 consecutive months. |
| |
If you choose not to prepay premiums to maintain coverage... |
You do not have the option to make contributions during your leave.
Employment service will be granted for up to 54 weeks if your approved unpaid leave is less than 24 months in length and you return to work with the same employer. |
Coverage under the D&R Plan terminates effective the first day of your leave.
You will not be eligible to apply to receive D&R Benefits if you become totally disabled while you are on leave. |
Your coverage will end on the last day of the month following your last premium deduction.
You will not be eligible to make claims for any services you use during your leave.
Your Healthcare Spending Account amount may be affected. |
Your Life Insurance coverage will end on the last day premiums were payable. |
| When you return to work… |
Employee and employer contributions will resume through payroll.
You will have the option to buy back periods of missed pensionable service. |
Premiums and coverage will resume.
You will have a new Effective Date of Coverage and may be subject to the pre-existing condition limitation.
You may be eligible to pay premiums to reinstate your D&R coverage to keep your original Effective Date of Coverage. |
Premiums and coverage will resume. |
Premiums and coverage will resume. |