If you are on an unpaid sick Leave of Absence (LOA), all your HEB Manitoba Life Insurance coverage, including Basic Life Insurance coverage, is maintained for up to 12 months, without payment, at the levels in effect before the unpaid sick LOA began.
For all other approved unpaid LOAs or layoffs, you may prepay your Life Insurance premiums to maintain your coverage at the level in effect at the time of the leave. Coverage must be prepaid prior to the start of your approved unpaid leave. You may maintain your coverage for up to 12 months, or 24 months for an unpaid educational leave. Your employer does not pay premiums for your Basic Life Insurance coverage while you are on an unpaid LOA/layoff.
If you are prepaying your premiums to maintain your Life Insurance coverage, your employer must complete a prepayment form. You must sign and submit the prepayment form along with your payment to your employer prior to the start of your approved unpaid LOA/layoff.
If you are waiving your coverage during your approved unpaid LOA/layoff, you and your employer must complete a waiver form prior to the start of your approved unpaid LOA/layoff.
If you do not submit the required forms and payment to your employer prior to the start of your unpaid LOA/layoff, you will be deemed to have waived your Plan coverage for your entire unpaid LOA/layoff. In addition, if the required forms and payment are received after your unpaid LOA/layoff starts you will not be eligible for coverage. Your Life Insurance coverage and, if applicable, your Family (Dependant) Life Insurance coverage will terminate on the last day for which you received pay prior to the unpaid LOA/layoff.
When you return to active employment, your coverage will be reinstated provided your unpaid LOA/layoff did not extend beyond the maximum 12 month period, or 24 month period for an unpaid educational leave. If your unpaid LOA/layoff exceeds the maximum number of months, you will have to complete a three-month waiting period from the date you return to active employment before your coverage is reinstated.