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Loss of Right

A member of the company loses forever the right to participate voluntarily in the insurance and pension plans in the following two cases:

  • That person has already paid the premium required to be insured by plan A during a previous insurance period and is not insured by plan A for the period in question (a person who has accumulated 750 hours as an employee has nothing to pay and is considered to have paid the premium);

OR

  • That person has never paid the premium required in a previous period and is not insured under plan A, B, C, or D.

NOTE: A person who is not eligible to pay the insurance premium because his or her company is not identified as an employer does not lose the right to voluntary participation in the social benefits plans.

If, as a "member of the company", you lose your right to voluntary participation in the social benefits plans, the hours recorded in your file are used to give you the best possible coverage (plan A, B, C, or D). For example, if 450 hours were declared to the CCQ in your name for the reference period and you have lost your right to participate as a "member of the company", you will be insured under plan C.

After January 2007, when you lose your right to voluntary participation as a "member of the company", medication insurance coverage (plan Z) will be offered to you if:

  • You cannot be insured by plan A, B, C, or D for the period under consideration AND;
  • You are a "member of the company" for a company identified as an employer for the purposes of social benefits for the insurance period under consideration AND;
  • You are under 65 years of age before the beginning of the insurance period under consideration AND;
  • You pay the required premium before the deadline indicated on the insurability notice that is sent to you (in May or November).

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