Increasing Coverage after Enrolment
To obtain or increase your Optional Life and/or Family (Dependant) Life Insurance coverage after your initial enrolment, evidence of insurability is required unless the change is due to a significant life event.
You may elect to obtain or increase your Optional AD&D Insurance coverage at any time by completing a HEB Manitoba Life Insurance Plan Change Form. Evidence of insurability is not required to obtain or increase Optional AD&D Insurance coverage.
Significant Life Events
You may elect to increase your Optional Life and/or Family (Dependant) Life Insurance coverage without the evidence of insurability requirement if you experience one of the following significant life events and declare the change within 60 days of the life event occurring:
If you experience a significant life event while on an approved unpaid leave of absence/layoff (LOA/layoff) and wish to increase your Life Insurance coverage, you must complete and submit a HEB Manitoba Life Insurance Plan Change Form within 60 days of the significant life event occurring.
Please note, in order for increases to your Life Insurance coverage to take effect you must be actively at work. You are not considered actively at work if you are on a sick leave of absence, unpaid leave of absence, layoff or participating in a Gradual Return to Work Program during a period of disability. Therefore, any increases to your Life Insurance coverage and the corresponding premiums will occur when you return to work.
A Great-West Life Evidence of Insurability form must be completed for changes declared after 60 days of a significant life event occurring. For further information, please refer to Evidence of Insurability (listed below).
Decreasing Coverage after Enrolment
Optional Life Insurance, Optional AD&D Insurance, and Family (Dependant) Life Insurance coverage may be decreased or cancelled at any time by completing and submitting a HEB Manitoba Life Insurance Plan Change Form to your employer.
Evidence of Insurability
After the three-month waiting period at initial enrolment, or when you transfer HEB Manitoba Life Insurance coverage with the same or another Participating Employer, a Great-West Life Evidence of Insurability form and a HEB Manitoba Life Insurance Plan Change Form must be completed to:
The Great-West Life Evidence of Insurability form and HEB Manitoba Life Insurance Plan Change Form may be obtained from your employer or from this website. You must complete both forms and return the Great-West Life Evidence of Insurability form and a copy of the HEB Manitoba Life Insurance Plan Change Form to Great-West Life for adjudication. The original HEB Manitoba Life Insurance Plan Change Form must be returned to your employer.
If your request to increase your coverage is approved, Great-West Life will notify HEB Manitoba directly. In turn, HEB Manitoba will provide you with written confirmation. At that time, your employer will adjust your Life Insurance premiums accordingly.
Note: If your request to increase your coverage is denied, Great-West Life will notify you of their decision in writing.
Evidence of insurability is not required for:
Termination of Coverage
HEB Manitoba Life Insurance coverage for you and, if applicable, your eligible dependants stops on the earlier of your date of termination or the last day premiums were paid.
Note: There is a 31-day period following the termination of your coverage in which you are eligible to apply for conversion to an individual life insurance policy with Great-West Life. Life Insurance coverage is maintained for you and your spouse/common-law partner during the 31-day period.
You may convert your Life Insurance and your spouse/common-law partner’s Life Insurance coverage to an individual Life Insurance Policy with Great-West Life upon termination or retirement without evidence of insurability, provided your completed application for conversion and the first premium payment is received by Great-West Life within 31 calendar days of the earlier of your date of termination or the last day premiums were paid.
To convert your HEB Manitoba Life Insurance please contact a Senior Pension & Benefits Specialist at (204) 942-6591 or toll free at 1-888-842-4233 for further information. As time restrictions apply, please contact HEB Manitoba as soon as possible.