Barlow works for Meditron Incorporated and he is a member of the group insurance plan. Barlow was recently injured and is unable to work. He is receiving long-term disability benefits from the group plan. Because of declining corporate profits, Meditron is considering reducing the benefits or canceling its group plan. Barlow is concerned about his disability benefits. Barlow was living in Ontario when he first started with Meditron and joined the group plan. He was transferred to the company’s Manitoba office last year, several months before his injury. Which of the following statements about Barlow’s group plan is CORRECT?

Insurance law in Manitoba will apply in determining Barlow’s rights under his group policy.

If Meditron cancels the group insurance plan, Barlow will continue to receive his disability benefits.

While Meditron may cancel the group policy at any point, they must receive the members’ permission prior to making changes to coverage.

While Meditron cannot cancel the group plan for existing members, they may exclude new members from joining.