Salary insurance – long term

Supplier : SSQ Groupe Financier

Membership requirements

You must have been employed by Laval University for at least 4 months, without any interruption of more than 6 months, and be covered by the RAMQ.

Membership is automatic and compulsory for everyone, without exception.

Coverage

In the event of a disability that prevents you from working as a postdoctoral fellow, the University will pay your full salary for the first 35 weeks. You must pay all normal contributions and deductions (tax, EI, QPIP, etc.) on this amount.

From the 36th week onwards, the insurance company pays you 80% of your net salary. This amount is free of all deductions and non-taxable. There is no maximum payment period. If you are disabled for more than 32 months, however, it must prevent you from doing any paid work for which you are qualified.

How much does it cost ?

0.47306% of gross salary

For example, on a salary of $40,000 per year, this amounts to $189.22, or $7.28 per pay.

How to file a declaration?

The University provides the forms towards the end of the 35-week period. They must be completed and returned 30 days before the end of the 35-week period.

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