Benefits

Short-term disability insurance benefits

Weekly indemnity payable for disability beginning July 1, 2014 or after.
If the disability began before this date, the amounts payable may be different.

Plan 

Less than 4,000 hours worked(1)

4,000 to less than 6,000 hours(1)

6,000 hours worked or more(1)

Basic (A, B, C)

$380

$460

$515

Carpenters-joiners
(AJ, BJ, CJ)

$405

$485

$565

Roofers (AC, BC)

$430

$485

$565

Roofers (CC)

$380

$460

$540

Electricians (AE, BE, CE)

$405

$485

$565

Tinsmiths (AF, BF)

$430

$485

$565

Tinsmiths (CF)

$380

$460

$540

Refrigeration specialists (AG, BG, CG) 

$405

$485

$565

Linemen (AL, BL, CL)

$425

$525

$625

Millwrights (AM)

$430

$485

$565

Millwrights (BM)

$405

$485

$565

Millwrights (CM)

$380

$460

$515

Fire-protection mechanics (AP, BP, CP)

$405

$485

$565

Trowel trades (AB)

$405

$485

$590

Trowel trades (BB)

$405

$485

$565

Trowel trades (CB)

$380

$460

$515

Occupations (AO)

$405

$485

$590

Occupations (BO)

$405

$485

$565

Occupations (CO)

$380

$460

$515

Heavy equipment/shovel operators (AN, BN, CN)

$425

$525

$625

Pipefitters (AT, BT, CT)

$405

$485

$565

(1) Work hours accumulated in the pension plan on the date the disability began.

 

Long-term disability insurance benefits (1)

Monthly indemnity payable for disability beginning July 1, 2014 or after.
If the disability began before this date, the amounts payable may be different.
Plan A B C
Basic $1,625 $1,375 $1,275
Carpenters-joiners (J) $1,775 $1,525 $1,425
Roofers (C) $1,775 $1,525 $1,400
Electricians (E) $1,925 $1,750 $1,475
Tinsmiths (F) $1,775 $1,425 $1,300
Refrigeration specialists (G) $1,775 $1,525 $1,400
Linemen (L) $2,300 $1,900 $1,750
Milwrights (M) $1,925 $1,750 $1,500
Fire-protection mechanics (P) $1,775 $1,525 $1,400
Trowel trades (B) $1,800 $1,625 $1,300
Occupations (O) $1,925 $1,525 $1,275
Heavy equipment/shovel operators (N) $2,300 $1,900 $1,750
Pipefitters (T) $1,875 $1,700 $1,425
(1) The employee must have accumulated at least 6,000 work hours in the pension plan before the 53rd week of disability.

Taxable benefits

A deduction at source for income tax is made when the weekly and monthly benefits are paid.

Reduction of benefits

In certain cases, the amount of the weekly or monthly benefits may be reduced due to the following income received by workers:
  • Pension from the construction industry’s pension plan;
  • Pension or disability benefits from the Régie des rentes du Québec (RRQ);
  • Insurance benefits from another insurance plan;
  • Periodic benefits received as compensation for victims of criminal acts.

When such a situation arises, MÉDIC Construction advises the worker in writing of the reduction applied.

Coordination of benefits

The benefits (weekly or monthly) paid to a worker are reduced during the period when he or she receive benefits from the Commission de la santé et de la sécurité du travail (CSST) or the Société de l’assurance automobile du Québec (SAAQ) for a different disability.