How to be Insured

In paying the insurance premium for retirees, retirees benefit from insurance coverage for themselves and their dependents.

In some cases, workers must pay this premium or the premium required to obtain coverage under plan Z; consult the section about the Act Respecting Prescription Drug Insurance.

Twice a year, in May and November, the Commission de la construction du Québec (CCQ) sends an insurability notice that indicates the premium to pay to be insured for the following insurance period. However, workers who have not been insured a first time by the retirees insurance plan may continue to be insured by the basic plans or the supplementary plans if the hours and contributions recorded in their file allow it. The insurance notice indicates all of the ways in which a retiree may be insured.

Choice of coverage

  • For retirees who have chosen R3 coverage (RC3, RE3, RF3, RL3, RM3, RT3), only this insurance option will be offered in the following period;
  • Retirees who have chosen R2 coverage (RC2, RE2, RF2, RL2, RM2, RT2) will have a choice between plan R2 and plan R3 for the following period;
  • Retirees who have chosen plan R1 (RC1, RE1, RF1, RL1, RM1, RT1) will have the choice between plans R1, R2, and R3 in the following period.

The option of choosing plan A, B, C, or D will no longer be offered to retirees once they are insured by one of the insurance plans for retirees.

Starting when they are 65 years old, only the insurance plan for retirees will be offered to retirees who are eligible.

Retirees aged 65 or over who are insured by the Retirees Insurance Plan have the choice of using the medication insurance coverage offered by MÉDIC Construction or the Régie de l'assurance maladie du Québec (RAMQ).

To find out what to pay to obtain coverage R1, R2, or R3, consult the section Insurance Premiums.

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