Insurance Premiums

The premium to pay to obtain R1, R2, or R3 coverage varies depending on the coverage offered and the age of the retiree. The table below shows the premiums to pay to be covered by the retirees insurance plan.

Premiums payable to obtain coverage under the insurance plan for retirees during the insurance period from January to June 2019
Retiree’s age Plans R1, RC1, RE1, RF1, RL1, RM1, RT1 Plans R2, RC2, RE2, RF2, RL2, RM2, RT2 Plans R3, RC3, RE3, RF3, RL3, RM3, RT3
Under 65 years $1,870 $1,545 $1,045
65 years and over
    • without medications $755 $515 Not offered
    • with medications $1,870 $1,545 $1,045
The provincial tax (9%) has been added to these amounts.
Note: These premiums may change for each insurance period.

Retirees aged 65 or over who are insured by the Retirees Insurance Plan can choose to take their medication coverage from MÉDIC Construction or the Régie de l'assurance maladie du Québec (RAMQ).

The hours accumulated during the reference period and the retiree’s hour reserve are used to lower the amount to pay. The supplementary contributions registered in the retiree’s file are also used to lower the premium to be paid.

Payment of the premium

Eligible retirees receive a notice of insurability. The required premium must be paid before the deadline given on the insurability notice.

Retirees who plan to be away when the notices are sent (in May and November) may make an advance deposit to the Commission de la construction du Québec (CCQ) to cover the amount of their insurance premium. Retirees may request reimbursement of a deposit at any time.

Retirees who do not pay the required premium may lose forever their right to insurance for retirees.