How to Be Insured

To obtain supplementary coverage, workers must meet the following two conditions:


  • Accumulate the required amount of supplementary contributions corresponding to this basic plan.

It is important to note that workers accumulate supplementary contributions for each hour worked in the trade concerned. These contributions are determined by the collective agreements and vary by trade, type of site, and sector. In the residential sector, supplementary contributions are paid only into the electricians’ supplementary plan.

Workers who have fewer supplementary contributions than required are insured only by the basic plan; supplementary contributions are added to their supplementary hour reserve.

The table below gives the hours and the amount of supplementary contributions required to benefit from the various supplementary plans during the insurance period of July 2017. Each supplementary plan is identified by a letter.

Plan Identification A B C D
Hours   750 600 450 300
Carpenters-joiners J $81 $65 $49 $32
Electricians E $352 $281 $211 $140
Fire-protection mechanics P $287 $229 $172 $114
Heavy equipment/Shovel operators N $350 $280 $210 $140
Lines/electricity L $374 $299 $224 $149
Millwrights M $272 $217 $163 $108
Occupations O $244 $195 $146 $97
Painters $91 $73 $54 $36
Pipe fitters T $397 $317 $238 $158
Refrigeration mechanics G $287 $229 $172 $114
Resilient flooring layer R $142 $113 $85 $56
Roofers C $321 $257 $193 $128
Tinsmiths F $134 $107 $80 $53
Trowel trades B $127 $101 $76 $50

For instance, to obtain coverage under supplementary plan B for roofers (plan BC), a worker must have accumulated 600 hours and $257 in roofer’s supplementary contributions.

Supplementary hour reserve

If a worker has more supplementary contributions than required to obtain supplementary coverage, the surplus is added to that worker’s supplementary hour reserve. If a worker has not accumulated enough contributions during the reference period to obtain the supplementary coverage, the missing amount is taken from the hour reserve, if possible.

Hour credits for training

When a worker takes a training course recognized by the Commission de la construction du Québec (CCQ), supplementary contributions may, under certain conditions, be credited to his or her supplementary hour reserve. The amount of the supplementary contributions paid is calculated according to the rate of supplementary insurance set out in the collective agreements. This amount is paid into the supplementary hour reserve when the hours for training are credited to the worker’s hour reserve.

Loss of supplementary contributions

When workers lose the hours in their hour reserve, they also lose the corresponding contributions in their supplementary hour reserve. The contributions lost by workers are paid into the supplementary insurance fund of their trade and are used to fund that plan.

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