Pre-Existing Condition Limitation

There is a Pre-existing Condition Limitation provision that will be considered if you become Totally Disabled and have been covered under the D&R Plan for less than 12 consecutive months:

  • If you have incurred medical expenses or received care or treatment by a Physician for a disability resulting from the same or a related cause that is being claimed for, during the period 90 days after the date your coverage became effective, then HEB Manitoba will review the period of 90 days prior to the date your coverage became effective
  • If you incurred medical expenses or received care or treatment by a Physician for a disability resulting from the same or a related cause that is being claimed for during the period of 90 days prior to the date your coverage became effective, you will not be entitled to D&R Benefits.

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