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Hour credits and prolongation of insurance are offered under plans A, B, C, and D basic and supplementary. This coverage is for workers only, not dependents. However, the organization concerned may decide not to make these payments.
You may then contest this decision. An application for salary insurance made more than one year after the beginning of the disability will be rejected. An application for hour credits submitted more than one year after the event that gave the right to those hour credits will be rejected. In this case, a state of total disability is recognized during the first 24 months of incapacity if:. The clauses that apply are those in force at the time of the event. A worker has long-term salary insurance coverage if, at the end of the 52 nd week of his or her period of disability:.
If the worker has long-term salary insurance coverage he or she may be eligible for a monthly indemnity if he or she is recognized as having a total disability after the 52nd week of disability. In case of disability, workers who are eligible for benefits under the Employment Insurance Act or another statute or regulation to the same effect do not have the right to short-term salary insurance benefits at the same time.
If the disability began before January 1, , benefits are not payable for the first 17 weeks. However, no salary insurance benefits are paid if treatment is imposed by a court ruling.
Weekly benefits are not paid during the period when the worker is receiving illness benefits from employment insurance. When you register for the direct deposit service, the following payments will be made automatically into your bank account:. When workers are unable to work, hours may, under certain conditions, be credited to their file. These hour credits are added to hours worked in order to enable workers to remain insured.
However, no hour credits are recorded in the pension plan. The worker has one year from the date of the event to apply for hour credits. However, we recommend that it be done as quickly as possible once the disability begins. It should be noted that if the worker is covered under a supplementary insurance plan , credits are also paid into his or her supplementary file. A similar calculation is made in the case of a grievance submitted to arbitration.
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Cause of total disability Beginning of weekly benefits Accident On the date of the accident, if the total disability begins at this time;. On the date when the total disability begins if the worker stops working within 30 days following the date of the accident;. On the 7th day following the beginning of the total disability if the worker stops working more than 30 days after the date of the accident. Short-term disability insurance benefits Weekly indemnity payable for disability beginning July 1, or after.
If the disability began before this date, theamountspayable may be different. Long-term disability insurance benefits 1 Monthly indemnitypayable for disability beginning July 1, or after. Taxable benefits A deduction at source for income tax is made when the weekly and monthly benefits are paid.
Here is a summary of the procedure: Because the public Employment Insurance plan is the first payer in the case of disability, submit a claim for Employment Insurance sickness benefits and register for My Service Canada Account to print out the documentation required.
It is important to answer all the questions to avoid delays in the processing of your salary insurance application. Attach the medical notes of the doctor you saw when your disability began, if that doctor is different from the one who filled in the form.
The documents needed for analysis of the file are requested when they are required. Hour Credits When workers are unable to work, hours may, under certain conditions, be credited to their file. Deadlines for claims The worker has one year from the date of the event to apply for hour credits. How to Obtain Hour Credits. The worker is informed by letter how many hour credits are granted. Deadline for claims It is very important to make the application for hour credits as quickly as possible when the disability begins.
An application for hour credits made more than a year after the event that gave rise to the right to them will be rejected. OR The date of the event if the worker is insured A, B, C, or D at this time, depending on the case disability, cessation of employment, protective reassignment, etc. Plan Hour credits per week A 30 B 24 C 18 D 12 It should be noted that if the worker is covered under a supplementary insurance plan , credits are also paid into his or her supplementary file.
End of maintenance of insurance The insurance prolongation ends on the first of the following dates: The day on which the worker ceases being eligible to receive hour credits; The day the worker dies. On the date of the accident, if the total disability begins at this time; On the date when the total disability begins if the worker stops working within 30 days following the date of the accident; On the 7th day following the beginning of the total disability if the worker stops working more than 30 days after the date of the accident.
On the date of hospitalization a person admitted into emergency is not considered hospitalized.
Commission de la construction du Québec
Salary Insurance, Hour Credits, and Prolongation of Insurance