Total Disability

Applicable provisions for disabilities that started on January 1, 2009 or after.

The definition of total disability used by MÉDIC Construction is presented below. This definition may be different from that used by other insurers, such as the Commission de la santé et de la sécurité du travail (CSST) and the Société de l'assurance automobile du Québec (SAAQ).

A worker is recognized by MÉDIC Construction to have a total disability according to the situation in which the worker finds himself or herself.

Situation 1

On the date the disability begins:
  •  The worker is aged 50 years or over;

AND

  • The worker has accumulated at least 21,000 hours worked in the construction industry’s pension plan.

In this case, a state of total disability is recognized for the whole duration of the incapacity if:

  • The worker’s condition requires medical care;

AND

  • The worker’s state of incapacity entirely impedes him or her from performing the usual tasks of his or her job.

Situation 2

On the date the disability begins:
  • The worker is under 50 years of age;

OR

  • The worker is aged 50 years or over AND has accumulated less than 21,000 hours worked in the construction industry’s pension plan.

In this case, a state of total disability is recognized during the first 24 months of incapacity if:

  • The worker’s condition requires medical care;

AND

  • The worker’s state of incapacity entirely impedes him or her from performing the usual tasks of his or her job.

After the first 24 months of incapacity, a state of total disability is recognized if:

  • The worker’s condition requires medical care;

AND 

  • The worker’s incapacity entirely prohibits him or her to perform any kind of income-producing occupation that match reasonably his or her level of education, training, or experience.



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