Transferring Your D&R Coverage

The D&R Plan allows for two different types of transfers:

  1. Transfer With a Prior Written Agreement of Employment
  2. Transfer Without a Written Agreement of Employment

1. Transfer With a Prior Written Agreement of Employment

If you are an eligible Covered Employee, you may seamlessly bridge your D&R coverage when you transfer from one Participating Employer to another Participating Employer, as long as:

Note: The original completed, signed and dated D&R Transfer of Coverage Form, required D&R premiums and a copy of the employment agreement must be received by HEB Manitoba within 10 business days of your last day worked.

Important: If you have a written agreement of employment with another Participating Employer, contact the human resources or benefits department of your first employer prior to termination to ensure the D&R Transfer of Coverage Form is completed before the last day worked at your first Participating Employer.

2. Transfer Without a Written Agreement of Employment

If you are an eligible Covered Employee, you may transfer your D&R coverage to another Participating Employer without a written agreement of employment in place prior to your termination, as long as:

Note: The original completed, signed and dated D&R Transfer of Coverage Form and required D&R premiums must be received by HEB Manitoba within 10 business days of the 30-day deadline.

Notes for All Transfers:

  1. The transfer must occur within 30 days of the termination of employment at your first Participating Employer. If the commencement of employment at your new Participating Employer occurs after 30 days, you must be enrolled as a newly hired employee. All provisions of the D&R Plan, including the Pre-Existing Condition Limitation provision will apply.
  2. Where specifically provided for in a Collective Agreement applicable to you, the transfer must occur within 42 days of the termination of employment at your first Participating Employer. If the commencement of employment occurs after 42 days, you must be enrolled as a newly hired employee. All provisions of the D&R Plan, including the Pre-Existing Condition Limitation provision will apply.
  3. For all transfers, you must provide D&R premiums for the time period between termination of employment with your first Participating Employer and commencement of employment with your new Participating Employer. If required premiums are not submitted, you must be enrolled as a newly hired employee.
  4. To be eligible to transfer D&R coverage, you must be covered by the D&R Plan at the time of your termination of employment with your first Participating Employer.
  5. The Pre-Existing Condition Limitation provision of the D&R Plan will not apply to the transfer as long you have been covered by the D&R Plan for at least 12 consecutive months prior to your termination date with the first Participating Employer.
  6. If you were covered by the D&R Plan for less than 12 consecutive months, the Pre-
    Existing Condition Limitation provision will apply. The remainder of the 12-month period will continue to accumulate from the date of commencing employment with your new Participating Employer.
  7. When you transfer your coverage, completion of a Disability & Rehabilitation Plan
    Enrolment Form     is not required. If by the transfer deadline, you transfer your D&R coverage by completing a D&R Transfer of Coverage Form and providing required D&R premiums, you will:

- Maintain your original Effective Date of Coverage (date D&R coverage begins).
- Be considered to have been actively working at your first Participating Employer during the period between employment. Therefore, you are eligible to apply for D&R Benefits should you become Totally Disabled during the period between employment.