Employee Life AD&D and Family (Dependant) AD&D Insurance - Benefit Provisions

Employee Life AD&D and Family (Dependant) AD&D Insurance benefits are not payable if death is not due to an accident or if the loss:

  • Occurs more than one year after the date of the accident causing the loss, or
  • Is caused by infection, disease, illness, physical or mental infirmity, medical or surgical treatment, suicide or self-inflicted injury, war (declared or undeclared), insurrection or participation in a riot, or by an accident that occurred while in full-time, part-time, or temporary service in the armed forces of any country, or occurs while committing a criminal act.

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HEB Manitoba is a name notation registered by the Healthcare Employees’ Pension Plan – Manitoba and the Healthcare Employees’ Benefits Plan – Manitoba and under which each of their respective undertakings is carried out.

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