Group Insurance Plan

The list of prescription drugs that are covered in option 1 will match the RAMQ’s official list.

A $5 deductible per prescription drug will be added and the reimbursement percentage will be 65%.

You can check if your prescription drug appears on the RAMQ’s list by consulting the Régime de l’assurance maladie du Québec site.

If it doesn’t, ask your pharmacist or doctor for possible alternatives that are on the RAMQ list.

As a result of this change to Health Option 1, the premium will be reduced by more than 20%.

Below are reimbursement percentages applicable to most of the coverage:

• Health 1: 65% + $5 deductible per prescription drug
• Health 2: 75% + $5 deductible per prescription drug
• Health 3: 80% + $5 deductible per prescription drug

The Healthcare Professionals component in Health Options 2 and 3 will be improved. The list of eligible healthcare professionals will be expanded and the maximums per care will be increased.

On July 1, you will be granted coverage that is the closest equivalent to what you currently have. The table below shows the equivalences.

If you wish to do so, you have until May 28 to make any changes to the equivalent health insurance coverage that was automatically granted to you. Go to the Customer Centre!

⁽¹⁾If you were exempted from health coverage, the exemption will be automatically transferred on July 1, 2021.

To make a well-informed decision,refer to the Your Plan At A Glance document, in the Documentation section of the Customer Centre, for comprehensive information about Health Options 1, 2 and 3.

If, during this re-enrolment campaign, you opt for Health Option 2 or 3, you will have to complete the 36-month participation period before being allowed to decrease your coverage level.

However, you can take advantage of this re-enrolment campaign, to decrease your coverage level even if you haven’t completed the 36-month participation period.

After the re-enrolment period, you will be able to decrease your coverage level without having completed the 36-month participation period as long as you make the request in the prescribed period following a family event like a marriage or the birth of a child.

Increasing coverage level is possible at any time. It will be granted on the first day of the premium period that coincides with or that follows the reception date of your request by your employer.

On July 1, 2021, changes will be made to the short- and long term disability insurance coverages. You will no longer have to set your coverage based on the MPE’s⁽¹⁾ percentage. You will instead have four options:

For compulsory short term disability insurance:

Your short term disability coverage option (Option 1, 2, 3 or 4) will determine the one for optional long term disability insurance coverage.

If you do not currently have optional long term disability insurance coverage, you can opt in during this re-re-enrolment campaign without having to provide proof of insurability.

Important! The disability period subject to benefits for compulsory short-term disability insurance coverage will decrease from 104 weeks to 52 weeks for all new disability claims as of July 1, 2021. The waiting period will also decrease from 14 days to 7 days.

Coverage most similar to what you currently have will be automatically granted. The table below shows the equivalences.

⁽¹⁾The maximum pensionable earnings (MPE) are equal to the maximum employment income used to calculate a worker’s annual pension plan contributions. Although the MPE changes from year to year, your contract currently applies the MPE from 2015, which is $53,600.

As of July 1, 2021, changes will be made to plan member’s basic life, accidental death and dismemberment (AD&D) and optional life insurance. You will no longer have to set your coverage based on the MPE’s percentage.⁽¹⁾.

For optional basic life and AD&D, you may choose one of the following options:

Coverage most similar to what you currently have will be automatically granted. The table below shows the equivalences.

As part of the re-enrolment campaign, you can accept the equivalent coverage that is granted to you, reduce your coverage amount and switch up from Option 1 to Option 2. However, if you do not currently have this coverage, you cannot opt in as part of the re-enrolment campaign. If you would like to add this coverage, you can submit a request directly with SSQ. Proof of insurability will be required. If you would like to add this coverage, you can submit a request directly with SSQ. Go to the Contact section for the contact information. Proof of insurability will be required.

For the optional additional life insurance amount, it will now be possible to select 1 to 20 units of $10,000. If you would like to add this coverage, you can submit a request directly with SSQ. Go to the Contact section for the contact information. Proof of insurability will be required.

⁽¹⁾The maximum pensionable earnings (MPE) are equal to the maximum employment income used to calculate a worker’s annual pension plan contributions. Although the MPE changes from year to year, your contract currently applies the MPE from 2015, which is $53,600.

To make changes one of the equivalent coverages that was automatically granted to you, you must register for the Customer Centre (if you haven’t already done so) and then you have until May 28, 2021, to make your changes by clicking the Confirm my coverage button.

Once submitted, a confirmation will be displayed along with a reference number. You will also be sent a confirmation email. Please keep this confirmation number in your files.

If you are unable to make your changes this way, you must make them directly through SSQ. Your coverage selection will take effect on July 1 and your new premium will be billed on the first day of the premium period on or immediately following July 1, 2021.