Applying for D&R Benefits While Receiving MPI or WCB Benefits

If you have applied for Manitoba Public Insurance (MPI) or Workers Compensation Board (WCB) benefits, it is still important that you also apply for D&R Benefits. You must submit your original complete application within 60 days after the end of the Elimination Period.

If your D&R application is approved:

  • You may be eligible for waiver of premiums (premium-free coverage) for your HEB Manitoba Life Insurance, Disability & Rehabilitation, Healthcare, and/or Dental coverage for the period of Total Disability
  • Your Healthcare Employees’ Pension Plan (HEPP) credited service will automatically continue to accumulate while you are Totally Disabled if you contributed to the Pension Plan prior to your Date of Disability
  • You may be eligible to receive a monthly D&R Benefit if your MPI or WCB benefit ceases. Note: If you wait until your MPI or WCB benefits stop before applying for D&R Benefits, you could be faced with a period of time when you are without any benefits, or your D&R claim is denied if it is a late submission.

Note: Only HEB Manitoba Plans that you were covered for prior to your Date of Disability will be considered for waiver of premiums.

MPI or WCB benefits represent a direct offset to your D&R Benefits, the D&R Benefit amount will be reduced by any amounts you receive from MPI or WCB.

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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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