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Premium for Plan Z Coverage

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

  1. They cannot be insured by their hours worked (plan A, B, C, or D) for this insurance period;

AND

  1. a) They meet the conditions for payment of a premium to obtain coverage under plan A, of a premium to obtain coverage under plan C or a premium to obtain coverage under the retirees insurance plan for this insurance period;

OR

  1. b) They were under 65 years of age on the first day of this insurance period.

AND

They have lost their right to pay the premium to obtain coverage under plan A; 

OR

They have lost their right to benefit from the retirees insurance plan;

The premium to be paid varies in each insurance period; for the period from July to December 2017, it is $935 (taxes included). 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 of July to December 2017, a worker eligible for payment of the premium to obtain coverage under plan Z worked 100 hours during the reference period and has 50 hours in the hour reserve.


During the reference period from September 2016 to February 2017, one insurance hour costs $2.10.
Premium (before taxes) $857.80
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 = $542.80
Taxes (9% x $542.80) + $48.85
Amount pay to be insured under plan Z = $591.65

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.

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