Premium for Plan C Coverage

Workers may pay a premium to obtain coverage under plan C for an insurance period if they meet all of the following conditions:

  • Be under 65 years old on the first day of this insurance period;
  • Be insured by plan D or are not insured for this insurance period;
  • Have at least 8,000 hours worked recorded in the construction industry’s pension plan for work done, at the latest, by the last day of the reference period corresponding to this insurance period;
  • Have accumulated a total of at least 1,200 hours over the last three reference periods;
  • In the preceding insurance period, have been insured under plan A, B, or C.

The premium corresponds to the cost of 450 hours plus applicable taxes. The hours accumulated during the reference period and those in the hour reserve are used to lower the amount to pay.

Example: For the insurance period from January to June 2018, a worker eligible for payment of the premium to obtain coverage under plan C has worked 100 hours during the reference period and has 50 hours in the hour reserve. During the reference period from March to August 2017, one insurance hour cost $2.10.
Premium (450 hours x $2.10/hour) $945
Reference period hours (100 hours x $2.10/hour) - $210
Hour reserve hours (50 hours x $2.10/hour) - $105
Amount to pay before taxes = $630
Taxes (9% x $630.00) + $56.70
Amount pay to be insured under plan C = $686.70

The Commission de la construction du Québec (CCQ) sends a notice of insurability to eligible people and indicates the amount to pay. In some cases, workers must pay the premium; consult the section about the Act Respecting Prescription Drug Insurance.