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Insurance by Hours Worked (A, B, C, D)

To be insured under plan A, B, C, or D by hours worked, workers must accumulate, during the reference period, the number of hours given in the table below.

Plan

Number of hours required by reference period

A

750

B

600

C

450

D

300

Insurance plan A offers the most complete coverage, and plan D offers minimal coverage. Workers obtain the best plan possible as a function of hours accumulated during the reference period.

Hour Reserve

If a worker has more hours than required to be insured, the excess is put in a hour reserve in his or her name. If the worker has not accumulated enough hours during the reference period, the hours in his or her hour reserve may be used to obtain the best plan possible without surpassing the coverage under the preceding insurance period. The number of hours in the worker’s hour reserve is given on his or her MÉDIC Construction card.

It should be noted that when there is an increase in the basic assessment for each hour of work paid into the insurance fund by an employer, the hours already in reserve are adjusted downward to reflect this new value, unless the contrary has been negotiated in the collective agreements.

For example, if a worker’s reserve contains 500 hours that were assessed at $2.05/h and the assessment increases to $2.10/h, the number of hours in the reserve will decrease to 488.1, as 500 h x $2.05 = 488.1 h x $2.10.

When workers take a training course recognized by the Commission de la construction du Québec (CCQ), hours may, under certain conditions, be credited to their hour reserve. Hours for a training course taken from January to June are credited to the hour reserve and may be used during the following July to December insurance period. Hours for a training course taken from July to December are credited to the hour reserve and may be used during the following January to June insurance period.

In addition, if there is an adjustment of hours upward or downward following an amended monthly report or the filing of a salary complaint, the hours in the worker’s reserve may be changed during the insurance period. 

Hours not credited to the hour reserve

If a worker is not insured under plan A, B, C, or D during an insurance period, the hours accumulated during the corresponding reference period are not added to that worker’s hour reserve.

In addition, if the worker is not covered by plan A, B, C, or D for two consecutive insurance periods, he or she loses all the hours in his or her reserve as well as those accumulated during the reference period. 

The hours lost by workers are returned to the insurance fund and are used to fund the plans.