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Dependents

Dependents of an insured (worker or retiree) may benefit from insurance coverage when they are recognized by MÉDIC Construction. To do this, the insured must declare the dependents and supply the required supporting documents. Insureds must also inform the Commission de la construction du Québec (CCQ) of any change in status of their dependents.

The dependents of a worker or retiree are:

  • The spouse;
  • Dependent children;
  • Children of the spouse who are dependents of the worker.

A worker who disagrees with a decision by the CCQ regarding recognition of a dependent may contest it. To do this, he or she must contact Customer Services, which will send him or her appropriate form.

Spouse

For the purposes of the insurance plans, a spouse is a person of the opposite or the same sex who meets one of the following conditions:

  • is married to or is joined in a civil union to the insured person;

OR

  • is living in a conjugal relationship with the insured person since at least 12 months;

OR

  • is living in a conjugal relationship with the insured person and one of the following situations occurs:
    • at least one child is born of their union;
    • they have adopted, jointly, at least one child while living together in a conjugal relationship;
    • one of them has adopted at least one child who is the child of the other while living together in a conjugal relationship;
    • they have, in the past, lived together in a conjugal relationship for at least 12 consecutive months.

A person is no longer the spouse of the insured person when, following the failure of their union, the spouse has ceased living with and has not been living with the insured person for over 90 days or, as the case may be, since the date on which another person became the spouse of the insured person.

Notwithstanding the previous paragraph, for the purpose of life insurance coverage, a person who ceases to cohabit with the insured following the failure of their union is no longer the spouse of this insured.

In order to respect the Québec Supplemental Pension Plans Act, the definition of a spouse set out in the retirement plan differs from the definition indicated above for insurance purpose.

Dependent children

A spouseless child of the insured worker or of the insured worker's spouse, most of whose support is provided by the insured worker, and who meets one of the following requirements:

  1. the child is under 18 years of age;
  2. the child is 25 years or under and is a full-time student at an educational institution recognized by the Ministère de l’Éducation et de l’Enseignement supérieur (MEES) (certificate of school attendance must be supplied in January and September);
  3. the child became totally disabled while he or she was fulfilling conditions in paragraph 1 or 2 and has remained continually disabled since.

A child over whom the insured worker exerts parental authority is considered a child of the worker.

A child who reaches the age of 18 years from January 1 to August 31 remains a dependant child until August 31. A child who reaches the age of 18 from September 1 to December 31 remains a dependant child until December 31.

Note : Even if a child is recognized as a dependent, some treatments may not be covered. For example,  dental care is reimbursable only for dependent children under 21 years of age.