Welcome

Weekly Indemnities

In case of disability, workers who are eligible for benefits under the Employment Insurance Act or another statute or regulation to the same effect do not have the right to short-term salary insurance benefits at the same time.

Short-term salary insurance (weekly indemnities) may be paid:

  • When there is a waiting period imposed by employment insurance;
  • When a worker has exhausted his or her payments benefits from employment insurance;
  • When a worker is not eligible for illness payments from employment insurance.

Workers in the construction industry are generally covered by the Employment Insurance Act. However, individuals who do not receive illness benefits from employment insurance because they have not performed insurable work under this act (notably, employers) are not entitled to receive a weekly indemnity during the first 16 weeks following the beginning of the disability. If the disability began before January 1, 2017, benefits are not payable for the first 17 weeks.

Beginning of weekly benefits

The date on which the weekly indemnity becomes payable depends on the cause of the total disability.

Cause of total disability Beginning of weekly benefits
Accident
  • On the date of the accident, if the total disability begins at this time;
  • On the date when the total disability begins if the worker stops working within 30 days following the date of the accident;
  • On the 7th day following the beginning of the total disability if the worker stops working more than 30 days after the date of the accident
Illness On the 7th day following the beginning of the total disability
Hospitalization On the date of hospitalization (a person admitted into emergency is not considered hospitalized)
Day surgery On the date of the surgery
Treatment program1 On the first day of treatment in the clinic

1 Short-term salary insurance benefits may be paid if the worker is taking daily treatment, in a clinic or as an outpatient, at a specialized clinic recognized for treatment of alcoholism, drug addiction, compulsive gambling, major depression, or violent behaviour. However, no salary insurance benefits are paid if treatment is imposed by a court ruling.

Note: Insured women not eligible for benefits from the Québec Parental Insurance Plan (QPIP) or an Employment Insurance Plan are entitled to receive a weekly indemnity for a 13-week period beginning on the date that they give birth.

Weekly benefits are not paid during the period when the worker is receiving illness benefits from employment insurance.

End of weekly benefits

The weekly indemnity ends on the earliest of the following dates:

  • When the worker ceases to be recognized as having a total disability by MÉDIC Construction;
  • 52 weeks after the beginning of the disability (accident, illness, etc.);
  • At the end of the last complete week of the month during which the worker turns 65 years of age.

If the disability persists after the 52nd week of incapacity, MÉDIC Construction may, under certain conditions, pay monthly indemnities to workers who are recognized as having a total disability.

Limitations and exclusions

The following situations are some of the limitations and exclusions imposed by MÉDIC Construction:

  • A disability resulting from a work-related accident or occupational disease is indemnified by the Commission des normes, de l'équité, de la santé et de la sécurité du travail (CNESST).
    • Workers who contest a decision by the CNESST may, however, have the right to benefits from MÉDIC Construction.
    • Workers in the construction industry are generally covered by the Act Respecting Industrial Accidents and Occupational Diseases. However, a person who is not covered does not have the right to salary insurance benefits if his or her disability results from a work-related accident or an occupational disease. This person may however have the right to hour credits.
  • A disability resulting from an accident involving a motor vehicle is indemnified by the Société de l’assurance automobile du Québec (SAAQ).
    • Workers who contest a decision by the SAAQ may, however, have the right to benefits from MÉDIC Construction;
    • If the SAAQ imposes a waiting period, the worker may, under certain conditions, have the right to salary insurance benefits for the first seven days of the disability.
  • When a work-related accident, occupational disease, or accident involving a motor vehicle occurs outside of Québec, particular conditions apply.
  • Workers receiving periodic benefits under the Crime Victims Compensation Act may, under certain conditions, have the right to salary insurance benefits.
  • Salary insurance benefits are subject to certain exclusions. For example, no benefit is payable for a total disability occuring during a detention period, resulting from the commission of a criminal act, participation in a riot, cosmetic surgery, etc.

Specific conditions, limitations, and exclusions other than those mentioned above may apply; only the Règlement sur les régimes complémentaires d'avantages sociaux dans l'industrie de la construction has legal value. The clauses that apply are those in force at the time of the event. 

Click here to obtain Adobe Acrobat Reader free of charge.

Click here to obtain Adobe Acrobat
Reader
free of charge.