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Basic Insurance

Insurability conditions

To be insured, workers must meet insurability conditions.

Depending on the number of hours that they have accumulated during one reference period, workers may obtain coverage from one of the basic plans A, B, C, or D during an insurance period. When workers accumulate more hours than are required to be insured, the surplus is put in a hour reserve in their name. In some cases, a worker may pay an insurance premium to obtain the coverage in plan C or plan Z.

To obtain coverage from the supplementary insurance plan in a trade, a worker must first be insured under a basic plan.

The MÉDIC Construction card confirms the insurance plan under which a worker is covered under and provides a summary of the coverage that worker receives.

If a worker dies, his or her dependents may continue to receive insurance coverage under certain conditions.

An employee who feels that he or she has the right to insurance coverage different from that granted by the Commission de la construction du Québec may make a complaint about this decision. To do this, he or she must contact Customer Services, which will send him or her the appropriate form. If the employee has taken this step and is still dissatisfied with the CCQ’s decision, the Act Respecting Labour Relations, Vocational Training and Workforce Management in the Construction Industry allows him or her to ask for a review. The CCQ’s Customer Services can guide the employee with this process and supply the appropriate form.

Insurance and reference periods

Workers are insured for six-month periods. There are therefore two insurance periods per year: from January to June and from July to December.

To be insured under plan A, B, C, or D during one of these periods, workers must accumulate the required number of hours. The months during which workers accumulate these hours form the reference period. The table below shows some reference periods and the corresponding insurance periods.

Reference period
(accumulation of hours)
Insurance period
March 1 to August 29, 2015 January 1 to June 30, 2016
August 30, 2015 to February 27, 2016 July 1 to December 31, 2016
February 28 to August 27, 2016 January 1 to June 30, 2017
August 28, 2016 to February 25, 2017 July 1 to December 31, 2017
February 26 to August 26, 2017 January 1 to June 30, 2018

Hours that may be accumulated 

The hours that may be accumulated within the reference period are:

  • The hours worked declared to the Commission de la construction du Québec (CCQ) by employers;
  • The hours credited for work performed outside of Québec for wich insurance payments were transferred to the CCQ under a reciprocity agreement;
  • Hour credits obtained through disability.