In the case of total disability, salary insurance covers insureds who are unable to work following a disease, an accident, or during medical treatment for alcoholism, drug addiction, compulsive gambling, major depression, or violent behaviour.
Eligible workers and retirees may receive, under certain conditions, weekly indemnities for the first year of disability, and monthly indemnities after that.
An application for salary insurance must be made within 30 days following the beginning of the worker’s disability. If it is not, the worker loses the benefits that would have been payable between the beginning of the disability and the 30th day before the date of his application. For example, if an insured applies for salary insurance on July 30, 2013, he lose the benefits that may have been payable for the period before July 1, 2013.
An application for salary insurance made more than one year after the beginning of the disability will be rejected.
Specific conditions, limitations, and exclusions other than those mentioned above may apply; only the Règlement sur les régimes complémentaires d'avantages sociaux dans l'industrie de la construction has legal value.