Total Disability
Own Occupation Period
You are eligible to commence and to continue receiving D&R Benefits if, during the 119-day Elimination Period and the subsequent 20 months, you are deemed Totally Disabled by reason of a medical condition certified by a Physician, and are:
- Under the Regular Care of a Physician
- Unable to perform the Material and Substantial Duties of your Regular Occupation, and
- Not engaged in any occupation for wage or profit, except as permitted while participating in a HEB Manitoba Approved Rehabilitation Program.
Any Occupation Period
After the Elimination Period and the subsequent 20 months, the definition of Totally Disabled changes. At this time, your claim will be reassessed to determine if you are eligible to continue receiving D&R Benefits. To be eligible for continued D&R Benefits after the Elimination Period and the subsequent 20 months, you must be Totally Disabled by reason of a medical condition certified by a Physician, and: