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:

  • You have a written agreement of employment with the new Participating Employer prior to your termination of employment with the first Participating Employer
  • The transfer occurs within 30 days of termination of employment or, where specifically provided for in a Collective Agreement applicable to you, within 42 days
  • The Disability & Rehabilitation Plan Transfer of Coverage Form is completed. Both you and your employer representative must sign the D&R Transfer of Coverage Form on or before the last day worked at your first Participating Employer
  • You provide all required D&R premiums for the period of time between the termination of employment at your first Participating Employer and the start of employment at your new Participating Employer
  • You were covered under the D&R Plan at the time of termination with your first Participating Employer.

Note: Within 10 business days from your last day worked, your Employer must ensure HEB Manitoba receives:

  • The original completed, signed and dated D&R Transfer of Coverage Form
  • Required D&R premiums, and
  • A copy of the employment agreement.

Important: If you have a written agreement of employment with another Participating Employer, contact the human resources or benefits department at your first Participating 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:

  • The transfer occurs within 30 days of termination of employment or, where specifically provided for in a Collective Agreement applicable to you, within 42 days
  • The Disability & Rehabilitation Plan Transfer of Coverage Form is completed. Both you and your employer representative must sign the D&R Transfer of Coverage Form within 30 days of the date you commenced employment with your new Participating Employer
  • You provide all required D&R premiums for the period of time between the termination of employment at your first Participating Employer and the start of employment at your new Participating Employer
  • You were covered under the D&R Plan at the time of termination with your first Participating Employer.

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

Notes for All Transfers:

  • 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.
  • 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.
  • For all transfers, you must pay 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.
  • 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.
  • 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.
  • 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.
  • 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.

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