Enrolment

D&R coverage starts on the day the employee commences Active Service.

Active Service means in the performance of the Material and Substantial Duties of the employee’s Regular Occupation at the normal level of hours for which they were hired.

To enrol in the D&R Plan, you must:

  1. Sign and submit a completed D&R Plan Enrolment Form within 30 days from the date you are eligible for D&R coverage (your Effective Date of Coverage). Your employer must submit the original completed and signed Enrolment Form within the 30-day deadline. 
  2. Both you and the employer representative must sign the D&R Plan Enrolment Form within 30 days of the date you become eligible for coverage (your Effective Date of Coverage).

Note:  D&R premiums must be remitted on your behalf starting from the Effective Date of Coverage.

Late Enrolment and Evidence of Insurability

An enrolment is late if:

a) The employee and/or employer representative do not sign the Enrolment Form within 30 days from the date the employee is eligible for coverage under the D&R Plan (the Effective Date of Coverage); and/or

b) HEB Manitoba receives the Enrolment Form after 30 days from the date the employee is eligible for coverage under the D&R Plan (the Effective Date of Coverage). HEB Manitoba will, however, allow an additional 10 business days for mailing.

If an enrolment is late, the employee must provide Evidence of Insurability (evidence of good health). The Evidence of Insurability information will be assessed by an external insurance company (Great-West Life). The employee’s eligibility will be based on the assessment decision.

Note: As participation in the D&R Plan is mandatory for all eligible employees, an employee must complete the enrolment process and provide Evidence of Insurability if their enrolment is considered late.