Your insurance plan At a glance
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Group
insurance
Your
insurance plan
At a glance
FSSS (CSN)
public sector
March 31, 2019 (Modifications to dental care)
January 1, 2020 (Annual renewal)
April 1, 2020 (Modifications to waiver of premiums)
The Inukshuk is an Inuit figure that
symbolizes the importance of interpersonal
relationships, mutual aid and solidarity.
Table of Contents
1- CHANGES TO THE DENTAL CARE PLAN
EFFECTIVE MARCH 31, 2019............................................................................1
1.1 Participation................................................................................................................................ 1
1.2 Application for insurance .......................................................................................... 1
1.3 Coverage status...................................................................................................................2
1.4 Effective date of coverage.......................................................................................2
1.5 Temporary absences from work.......................................................................2
1.6 Other types of absences.............................................................................................3
1.7 Termination of insurance...........................................................................................4
2- HOW TO SUBMIT CLAIMS ............................................................................ 4
Appendix 1 – Special provisions for employees working 25%
or less of full time..............................................................................................................................................6
3- CHANGES TO INSURANCE PLAN AND RATES
APPLICABLE AS OF JANUARY 1, 2020........................................................6
3.1 Modification effective January 1, 2020........................................................6
3.2 Modification effective April 1, 2020...................................................................6
3.3 Overview of your benefits and rates applicable as of
January 1, 2020......................................................................................................................... 7
4- CONTACT SSQ................................................................................................. 16
5- PERSONAL INFORMATION PROTECTION .............................................. 16
5.1 File and personal information.............................................................................16
5.2 Legal agents and service providers............................................................16
5.3 Insurance documents...................................................................................................17
This pamphlet lists only the most often consulted elements of your Group Insurance Plan
in addition to the terms and conditions of your insurance contract, which includes certain
limitations and exclusions. For a more detailed description, please refer to your booklet
available via the Customer Centre at customer-centre.ssq.ca.1 - Changes to the Dental Care Insurance Plan
effective March 31, 2019
Since March 31, 2019, the Dental Care Insurance Plan is separate from the Health
Insurance Plan.
You will find in the following pages, subject to other provisions of the contract, the main
provisions applicable to these changes.
1.1 Participation
Participation in the Dental Care Insurance Plan is optional for all eligible employees
and their dependents, provided the employee is covered under the Health Plan, even if the
employee is exempted from the Health Plan.
Participants must choose a coverage status (individual, single-parent or family). However,
a participant who chooses to be covered under the Dental Care Insurance Plan must
maintain the participation for at least 36 months as of the effective date of this
plan, even in the case of an event provided for under the group insurance contract.
However, a participant may choose to terminate the participation during this 36-month
period upon presentation of a proof of new coverage under another dental care insurance
plan. Thereafter, if the participant chooses to be covered again under the Dental Care
Insurance Plan, a new minimum period of 36 months will begin as of the new effective
date of the participant’s Dental Care Insurance Plan.
New employees eligible under the Health Plan will be automatically enrolled in the Dental
Care Insurance Plan and the Individual status will be granted, unless otherwise specified.
If the employee chooses to opt out of the Dental Care Insurance Plan when becoming
eligible, a written request must be submitted to SSQ through the employer.
The coverage status of the Dental Care Insurance Plan may be different from that of
the Health Plan.
1.2 Application for insurance
Automatic enrolment rule
Eligible employees who fail or refuse to complete an application for insurance are
automatically insured under Health Plan I, under the Dental Care Insurance Plan,
under the Participant’s Basic Life Insurance and Spouse’s and Dependent Children’s Basic
Life Insurance of Optional Plan I, and under the Long Term Disability Insurance of Optional
Plan II (if participation in this plan is compulsory), with an individual coverage status.
Page 11.3 Coverage status For the Dental Care Insurance Plan, the participant must choose a coverage status. Available coverage statuses are the following: Coverage status Individuals covered Individual Participant Single-parent Participant and dependent children Family Participant, spouse, and dependent children, if any. 1.4 Effective date of coverage The insurance comes into force on the person’s date of eligibility. Following one of the events identified in the contract, the participant’s and dependents’ status may be increased or decreased. The participant may then choose a new coverage status amongst those shown in section 1.3. Participants must make requests for change using the “Application/Request for change” form and hand them in, duly completed, to their plan administrator. Changes become effective on the earlier of the following: a) If the request is received by the employer within 30 days following the event, on the date of the event. b) If the request is received by the employer more than 30 days following the event, or in absence of such an event, on the first day of the pay period that coincides with or follows the date the employer receives the written request. Notwithstanding any other provision, disabled employees cannot change their coverage status before the date they return to active work and are eligible for a new total disability period in accordance with the collective agreement. The following periods are included in the calculation of the minimum period of participation of 36 months provided above: a period of temporary interruption of work during which the coverage status was maintained; a period during which premiums were waived or a period during which time worked was reduced to 25% or less of full-time. 1.5 Temporary absences from work Authorized unpaid leave over 28 days (including suspension) Participation in the group insurance plan is suspended for the duration of the authorized leave, with the exception of Health Plan I. However, participation in all other plans (Health coverage package already in force, Dental Care, Life and Disability indissociably) can be maintained upon the participant’s request. Participants must pay the entire premium (both employee and employer contributions). However, the Act respecting labour standards requires employers to continue to pay their contribution in the case of a leave for family or parental reasons. Page 2
Participants must notify their employer in writing of their decision to maintain participation
prior to the start of their unpaid leave. Arrangements for the payment of premiums
must be made with the employer to ensure that coverage is not interrupted due
to non-payment of premiums.
For participants who maintain participation in Health Plan I only, the previous coverage
package is automatically reinstated when they actively return to work.
1.6 Other types of absences
1.6.1 Deferred salary leave plan:
a) During the leave contribution period
Participation is maintained.
For Optional Plan I and II (Life Insurance and Long Term Disability Insurance), the
insurable salary is that agreed upon between the participant and the employer in the
deferred salary leave plan agreement.
SSQ must be notified of the insurable salary agreed upon before the start of the deferred
salary leave, i.e., before the start of the contribution period and not the period of leave
itself. Premiums and benefits are therefore based on the insurable salary agreed upon.
b) During the period of the leave
Participation is suspended for the duration of the authorized leave, with the exception
of Health Plan I. However, participation in all other plans (Health coverage package
already in force, Dental Care, Life and Disability indissociably) can be maintained
upon the participant’s request. Participants must pay the entire premium (both
employee and employer contributions).
Arrangements for the payment of premiums must be made with the employer
before the start of the leave so as to ensure that coverage under Health Plan I
or all plans is not interrupted. The insurable salary is as defined in paragraph a)
above.
1.6.2 Phased retirement program
Participation in Health Plan I must be maintained.
If employees maintain participation in all plans (Health coverage package already in force,
Dental Care, Life and Disability indissociably), the insurable salary for the purposes of
Optional Plan II is the salary actually received during the phased retirement program. For
Optional Plan I - Life Insurance, the insurable salary is the salary that employees would
have received had they not been participating in the phased retirement program.
The premiums for these plans are established based on the salary actually received.
• If the duration of the program is 24 months or less, participation in Optional Plan II ceases
when the program begins.
• If the duration of the program is over 24 months, participation in Optional Plan II ceases
no later than 24 months prior to the end of the program initially planned.
Page 31.6.3 Dismissal grievance In such a situation, participants MUST maintain participation in Health Plan I and, if applicable, MAY maintain participation under the Health coverage package already in force, Dental Care and Life plans indissociably by paying the total premium provided for in the contract (both employee and employer contributions) until the final decision is made. Participation in Optional Plan II – Long Term Disability Insurance is suspended until the decision is made in arbitration. If the decision is favourable to the employee, premiums for this plan are payable retroactive to the date of the dismissal and any disability that began during the period in question is recognized by SSQ. 1.7 Termination of insurance 1.7.1 Participants The Dental Care Insurance Plan terminates, subject to provisions regarding the waiver of premiums, on the earliest of the following dates: • The end date of the premium period during which an “Application/Request for Change” form is submitted to the employer, indicating the participant’s decision to terminate participation in the Dental Care Insurance Plan, provided the minimum participation period is then completed. • The date SSQ receives a written request for termination, provided the participant submits satisfactory proof of coverage under another dental care insurance plan. 1.7.2 Dependents The Dental Care Insurance Plan terminates on the earliest of the following dates: • The date the participant’s insurance terminates. • The date the dependents cease to be eligible. • The date the participant opts for an individual or single-parent coverage status. 2 - How to submit claims All dental care insurance claims must be received by SSQ no later than 12 months after the date the eligible expenses are incurred. Claims not received on time will all be declined by SSQ. Insureds must present their insurance card to the dentist’s office and pay the portion of expenses not covered by SSQ. If the dentist does not offer an electronic claims submission service, the insured must have them fill out and sign the “Dental Care Insurance Claim” form or the form provided by the dentist. These claims can be submitted on the Customer Centre website or by writing to SSQ at the address specified in section 4. Page 4
Appendix 1 – Special provisions for employees
working 25% or less of full time
The participant’s Dental Care Insurance Plan is automatically granted to all employees
whose percentage of time worked is increased to more than 25% of full time (this coverage
becomes effective on the following January 1), provided the participants are covered under
the Health Plan or are exempted from the Health plan, unless they indicate in writing that
they wish to opt out by completing the appropriate form available from the employer.
Page 53 - Changes to insurance plan and rates
applicable as of January 1, 2020
You will find in this section the changes to your group insurance plan effective
January 1, 2020 and April 1, 2020, as well as an overview of your benefits and the
new rates applicable on the same date.
3.1 Modification effective January 1, 2020
Addition of Cannabis for medical purposes coverage
Subject to the percentage and maximum of reimbursement presented on page 8 of this
document, the purchase of cannabis for medical purposes requires prior approval by SSQ
and must meet the following conditions in order to be considered an eligible expense:
a) the cannabis for medical purposes must be prescribed by a physician or nurse
practitioner according to their respective definitions provided in the federal regulations
governing access to cannabis for medical purposes
b) the cannabis for medical purposes is only covered if its use is for conditions and
therapeutic indications determined by SSQ
c) the insured must submit to SSQ for approval, at the time of the first claim and upon the
renewal of the prescription afterwards:
• the Health Canada medical document authorizing the use of cannabis for medical
purposes duly completed by a physician or authorized nurse practitioner; and
• the SSQ “Prior authorization request” form duly completed by the insured and that
same physician or authorized nurse practitioner
d) the cannabis for medical purposes must be purchased only from a holder of a licence
for sale duly authorized by Health Canada.
Exclusions: For the purposes of this insurance, the following are not considered
eligible expenses:
• the costs related to the production of cannabis for medical purposes (including, but not
limited to, the cost of seeds and plants of cannabis for medical purposes)
• the costs related to the administration of cannabis for medical purposes (including, but not
limited to, the cost of vaporizers, water pipes and rolling paper)
• the administrative costs related to the prescription of cannabis for medical purposes or to
obtaining cannabis for medical purposes (including, but not limited to, file opening fees,
postal fees, consultation fees and referral fees).
3.2 Modification effective April 1, 2020
Changes to the waiver of premiums provision
Subject to the provisions already set forth in the contract, for new disabilities beginning
on or after April 1, 2020, premiums are waived as of the first day of the pay period that
coincides with or follows 3 months of total disability. The waiver of premiums can also
terminate as soon as a disabled employee receives a regular salary from the employer
and when they are in a gradual return to work or temporary assignment situation keeping
them disabled.
Page 63.3 Overview of your benefits and rates applicable as of
January 1, 2020
Health Insurance Plan (compulsory participation)
Participation in one of the Health Insurance Plans (Health I, II or III) is compulsory, unless
entitled to an exemption. To be exempted from coverage, eligible employees must prove
that they and their dependents are insured under another group insurance plan with a
similar drug insurance coverage.
Coverage Options and Statuses
Participants may choose a coverage option (Health I, Health II or Health III) and a coverage
status (Individual, Single-Parent or Family) for their Health Insurance Plan. They can choose
a coverage option for their spouse and dependent children that is equivalent to or
less generous than the option they have chosen for themselves. For example, they
can choose Health III for themselves and Health II for their spouse and dependent children.
The different possible combinations are indicated in the table of premiums presented in
the following pages.
Participation Duration
Participants must maintain their participation to the chosen option for at least 36 months
before they can choose a less generous coverage option for themselves, their spouse
or their dependent children, unless an event stated in the contract occurs (a birth or a
separation, for example).
Specifications Regarding Drug Reimbursement
If an insured chooses to purchase an eligible innovative drug instead of any existing
generic equivalent, the amount of reimbursement will be determined in accordance with
its lowest cost generic equivalent. The amount that is included in the annual out-of-
pocket is the one the insured would have paid should they have bought this lowest cost
generic equivalent. However, it is possible to obtain a reimbursement based on the cost
of the innovative drug that cannot be substituted for medical reasons by submitting the
appropriate form duly completed by the attending physician, provided the request is
approved by SSQ.
To be eligible, drugs must be available only by medical prescription.
Page 7Reimbursement of Eligible Expenses
Page 8
Benefits Health I Health II Health III
Prescription Drugs
80% of eligible expenses up to 80% of eligible expenses up to 80% of eligible expenses up to
annual maximum of $950, annual maximum of $950, annual maximum of $950,
* Prescription drugs and eligible
and 100% of expenses in and 100% of expenses in and 100% of expenses in
pharmaceutical services
excess per certificate, excess per certificate, excess per certificate,
per calendar year per calendar year per calendar year
Emergency Care
Ambulance 80% 80% 80%
100%, maximum reimbursement 100%, maximum reimbursement 100%, maximum reimbursement
Travel Insurance and Assistance
of $5,000,000 / trip of $5,000,000 / trip of $5,000,000 / trip
100%, maximum reimbursement 100%, maximum reimbursement 100%, maximum reimbursement
Travel Cancellation Insurance
of $5,000 / trip of $5,000 / trip of $5,000 / trip
Other Medical Expenses
* Artificial limbs and external prostheses Not covered 80% 80%
80%, maximum reimbursement 80%, maximum reimbursement
* Blood glucose monitor Not covered
of $240 / 36 months of $240 / 36 months
* Breast prosthesis and ostomy appliances Not covered 80% 80%
* Cannabis for medical purposes New 80%, maximum reimbursement 80%, maximum reimbursement 80%, maximum reimbursement
(subject to prior approval by SSQ) of $2,000 / calendar year of $2,000 / calendar year of $2,000 / calendar year
80%, maximum reimbursement 80%, maximum reimbursement
* Deep shoes Not covered
of $150 / calendar year of $150 / calendar year
Dental surgery required following accident Not covered 80% 80%
80%, maximum reimbursement 80%, maximum reimbursement
Hearing aid Not covered
of $480 / 48 months of $480 / 48 months
80%, rental or purchase if more 80%, rental or purchase if more
* Hospital bed for domestic use Not covered
economical economicalReimbursement of Eligible Expenses
Benefits Health I Health II Health III
80%, maximum reimbursement of 80%, maximum reimbursement of
* Insulin pump Not covered
$6,400 / 60 months $6,400 / 60 months
* Insulin pump accessories Not covered 80%, no maximum 80%, no maximum
* Intraocular lens Not covered 80% 80%
* Orthopaedic devices Not covered 80% 80%
* Orthopaedic shoes Not covered 80% 80%
80%, maximum reimbursement of $25 80%, maximum reimbursement of $25
* Sclerosing injections Not covered
/ treatment for the substance injected / treatment for the substance injected
80%, maximum of 3 pairs / 80%, maximum of 3 pairs /
* Support stockings Not covered
calendar year calendar year
* Therapeutic devices and breathing assistance 80%, maximum lifetime reimbursement 80%, maximum lifetime reimbursement
Not covered
apparatus of $10,000 of $10,000
* Transcutaneous electrical nerve stimulator 80%, maximum reimbursement of 80%, maximum reimbursement of
Not covered
(TENS) $560 / 60 months $560 / 60 months
80%, maximum reimbursement of $48
80%, maximum reimbursement of $48
* Transportation and accommodation Not covered / day and $1,000 /
/ day and $1,000 / calendar year
calendar year
* Wheelchair, surgical brassiere Not covered 80% 80%
80%, maximum lifetime reimbursement 80%, maximum lifetime reimbursement
* Wig required following chemotherapy Not covered
of $300 of $300
Benefits indicated with an asterisk (*) require a medical prescription to be eligible for reimbursement.
Eligible expenses incurred under the following coverage are included in the annual out-of-pocket: Prescription drugs and eligible pharmaceutical services; Sclerosing
injections; Ambulance; Artificial limbs and external prostheses; Breast prosthesis and ostomy appliances; Deep shoes; Intraocular lens; Orthopaedic devices; Orthopaedic
shoes; and Transportation and accommodation.
Page 9Page 10
Reimbursement of Eligible Expenses
Benefits Health I Health II Health III
Health Care Professionals
Audiologist, occupational therapist
Not covered 80% 80%
and speech language pathologist
80%, maximum reimbursement of $30 per 80%, maximum reimbursement of $30 per
treatment and $400 / calendar year, treatment and $400 / calendar year,
Chiropractor and osteopath Not covered
including X-rays by a chiropractor with a including X-rays by a chiropractor with a
maximum reimbursement of $32 per X-ray maximum reimbursement of $32 per X-ray
Physiotherapist and physical 80%, maximum reimbursement of $30 / 80%, maximum reimbursement of
Not covered
rehabilitation therapist treatment $30 / treatment
80%, maximum reimbursement of
Acupuncturist Not covered Not covered
$30 / treatment
Kinesitherapist, orthotherapist 80%, maximum reimbursement of
Not covered Not covered
and massage therapist $25 / treatment and $200 / calendar year
80%, maximum reimbursement of
Podiatrist Not covered Not covered
$30 / treatment
Psychologist, psychoanalyst, psychiatrist,
50%, maximum reimbursement of $1,000 /
psychoeducator, social worker, career Not covered Not covered
calendar year
counsellor and psychotherapist
Vision Care
Adult and child age 13 or over:
80%, maximum reimbursement of $320 /
36 months, including eye examinations
Eyeglasses, contact lenses or laser maximum reimbursement of $40 / 36 months
Not covered Not covered
eye surgery Child under age 13:
80%, maximum reimbursement of $160 /
12 months, including eye examinations
maximum reimbursement of $40 / 12 monthsTable of premiums applicable for the period from January 1 to December 31, 2020 (per 14-day period)(1)
Coverage INDIVIDUAL SINGLE-PARENT FAMILY
combinations and
A B C D E F G H I J K L M N O
statuses
Participant Health I Health II Health III Health I Health II Health II Health III Health III Health III Health I Health II Health II Health III Health III Health III
Dependent
– – – Health I Health I Health II Health I Health II Health III – – – – – –
Children
Spouse and
Dependent – – – – – – – – – Health I Health I Health II Health I Health II Health III
Children
Total Premium $51.58 $55.46 $60.17 $61.90 $65.78 $68.68 $70.49 $73.39 $74.51 $113.48 $117.36 $123.50 $122.07 $128.21 $133.42
Employer's
Contribution(2)
If Salary Scale $5.28 $5.28 $5.28 $13.24 $13.24 $13.24 $13.24 $13.24 $13.24 $13.24 $13.24 $13.24 $13.24 $13.24 $13.24
Maximum is less
than $40,000
Employee's
Contribution
If Salary Scale
$46.30 $50.18 $54.89 $48.66 $52.54 $55.44 $57.25 $60.15 $61.27 $100.24 $104.12 $110.26 $108.83 $114.97 $120.18
Maximum
is less than
$40,000
Employer's
Contribution(2)
If Salary Scale $2.39 $2.39 $2.39 $5.97 $5.97 $5.97 $5.97 $5.97 $5.97 $5.97 $5.97 $5.97 $5.97 $5.97 $5.97
Maximum
is $40,000 or over
Employee's
Contribution
If Salary Scale $49.19 $53.07 $57.78 $55.93 $59.81 $62.71 $64.52 $67.42 $68.54 $107.51 $111.39 $117.53 $116.10 $122.24 $127.45
Maximum
is $40,000 or over
Page 11
(1)
Before 9% provincial sales tax.
(2)
For salary scale maximum of less than $40,000 and of $40,000 or over, these contributions are coming from the FSSS public sector collective agreements. The employer's contribution is
reduced by 50% for employees working less than 70% of full-time.Dental Care Insurance Plan (optional participation since March 31, 2019)
Page 12
To be eligible under the Dental Care Insurance benefit, participants must be covered under the Health Insurance Plan or be exempted from it. However, coverage
statuses may differ between the Dental Care Insurance Plan and the Health Insurance Plan. For example, a participant can choose a Family status for the Health
Insurance benefit, and an Individual status for the Dental Care Insurance benefit, and vice versa.
Since March 31, 2019, new employees eligible under the Health Insurance Plan are automatically enrolled in the Dental Care Insurance Plan and the Individual status
is granted, unless otherwise specified.
Participation Duration
Participants who have subscribed to this Dental Care Insurance Plan must maintain their participation for at least 36 months from the effective date of this plan, even
when an event stated in the contract occurs.
Reimbursement of Eligible Expenses
Basic Dental Care 80%(1)
(Diagnostic services, prevention and space maintainers, minor restoration, One recall or periodic examination per period of 9 months and one complete examination
periodontics, oral surgery, local anesthesia) per period of 36 months.
Restorative Dental Care
60%, maximum reimbursement of $1,000 / calendar year
(Major restoration, endodontics, prosthodontics [fixed or removable])
(1)
Eligible lab test expenses are limited to 50% of the fees detailed in the fee guide for the orodental act in question.
Table of premiums applicable for the period from January 1 to December 31, 2020 (per 14-day period)(2)
Coverage Statuses INDIVIDUAL SINGLE-PARENT FAMILY
Total Premium $16.07 $26.45 $40.00
(2)
Before 9% provincial sales tax.Optional Plan I – Life Insurance (optional participation)
Participant's Basic Life Insurance(1) 1 times insurable annual salary
AD&D(1) Accidental death = 1 times insurable annual salary
(Accidental Death and Dismemberment) Accidental dismemberment = 10 to 100% of insurable annual salary, depending on loss suffered
Participant's Optional Life Insurance 1 to 5 times insurable annual salary
$5,000 / deceased person
Spouse's and Dependent Children's Life Insurance(1)
If proof is provided that participant has no spouse at time of death: $10,000 / deceased child
Spouse's Optional Life Insurance $10,000 to $100,000 per unit of $10,000
(1)
Participant's Basic Life Insurance and AD&D Insurance as well as Spouse's and Dependent Children's Life Insurance are granted by automatic registration, unless otherwise indicated.
Table of premiums applicable for the period from January 1 to December 31, 2020 (per 14-day period)(2)
Basic Life Insurance and AD&D 0.300% of insurable salary
Spouse's and Dependent Children's Life Insurance $0.55
Participant’s and Spouse’s Optional Life Insurance
Cost per $1,000 of insurance(3)
Age of participant(4) Male Female
Smoker Non-smoker Smoker Non-smoker
Under age 30 $0.031 $0.024 $0.022 $0.014
Age 30 to 34 $0.031 $0.024 $0.024 $0.015
Age 35 to 39 $0.040 $0.029 $0.032 $0.020
Age 40 to 44 $0.070 $0.053 $0.061 $0.040
Age 45 to 49 $0.100 $0.073 $0.082 $0.055
Age 50 to 54 $0.154 $0.110 $0.125 $0.089
Page 13
Age 55 to 59 $0.262 $0.189 $0.211 $0.160
Age 60 to 64 $0.445 $0.328 $0.352 $0.290Page 14
Table of premiums applicable for the period from January 1 to December 31, 2020 (per 14-day period)(2) - continued
Participant’s Optional Life Insurance
Cost as % of insurable salary(3) (for 1 times insurable salary)
Age of participant (4)
Male Female
Smoker Non-smoker Smoker Non-smoker
Under age 30 0.081% 0.062% 0.057% 0.036%
Age 30 to 34 0.081% 0.062% 0.062% 0.039%
Age 35 to 39 0.104% 0.075% 0.083% 0.052%
Age 40 to 44 0.182% 0.138% 0.159% 0.104%
Age 45 to 49 0.260% 0.190% 0.213% 0.143%
Age 50 to 54 0.400% 0.286% 0.325% 0.231%
Age 55 to 59 0.681% 0.491% 0.549% 0.416%
Age 60 to 64 1.157% 0.853% 0.915% 0.754%
(2)
Before 9% provincial sales tax.
(3)
If no non-smoker's statement is provided, rates for smokers will apply.
(4)
Premium rate changes subsequent to an age change are effective as of January 1 coinciding with or following the participant's birthday. However, for Spouse's Optional Life Insurance benefit, spouse's
gender and smoking habits are used.Optional Plan II – Long Term Disability Insurance
Benefit amount and duration
Option II F
(optional participation) 80% of net benefit received from employer at 105th week of disability until age 60
Option II O (age 61 conditional on the new participation rules for the RREGOP since July 1, 2019)
(compulsory participation if vote in favour)
Option II O+ 100% of net benefit received from employer at 105th week of disability until age 65, with integration of 65%
(compulsory participation if vote in favour) of pension benefit payable without actuarial reduction
Table of premiums applicable for the period from January 1 to December 31, 2020 (per 14-day period)(1)
Option II F 1.102% of insurable salary
Option II O 0.890% of insurable salary
Option II O+ 1.432% of insurable salary
Examples of insurable salaries and corresponding premiums per 14-day period(1)
Annual insurable salary $25,000 $30,000 $35,000 $40,000 $50,000 $60,000
Option II F $10.60 $12.72 $14.83 $16.95 $21.19 $25.43
Option II O $8.56 $10.27 $11.98 $13.69 $17.12 $20.54
Option II O+ $13.77 $16.52 $19.28 $22.03 $27.54 $33.05
(1)
Before 9% provincial sales tax.
Page 154 - Contact SSQ By mail Insureds must indicate their certificate number on their claims or any other correspondence sent to SSQ at the following address: SSQ, Life Insurance Company Inc. 2525 Laurier Boulevard P.O. Box 10500, Station Ste-Foy Quebec QC G1V 4H6 By phone Insureds can contact SSQ’s Customer Service department, from 8:30 a.m. to 4:30 p.m., Monday to Friday, at the following number: 1-888-651-8181 Change of address Do not forget to inform SSQ of any change of address. To do so, use the Customer Centre website or contact SSQ’s Customer Service department. 5 - Personal information protection 5.1 File and personal information In order to maintain the confidentiality of information concerning the persons it insures, SSQ, Life Insurance Company Inc. opens an insurance file to hold personal information about the application for insurance and any insurance claims made. With the exception of certain cases provided for under applicable legislation, access to insured persons’ files is restricted to those employees, legal agents and service providers who must consult these files for the purpose of contract management, inquiries or underwriting, in addition to reinsurers and any other person the participant may authorize. SSQ keeps its insurance files in its offices. All persons insured with SSQ have the right to consult the information contained in their file and, if necessary, to have any errors or inaccuracies corrected, free of charge, by making a written request to the attention of SSQ’s Personal Information Protection Officer at the following address: SSQ, Life Insurance Company Inc., 2525 Laurier Boulevard, P.O. Box 10500, Station Sainte-Foy, Quebec QC G1V 4H6. However, SSQ may charge fees for transcribing, reproducing or sending this information. The person making the request will be informed beforehand of the approximate amount that will be charged. 5.2 Legal agents and service providers SSQ may exchange information of a personal and confidential nature with its reinsurers, legal agents and service providers only for the purpose of allowing them to carry out the tasks SSQ asks of them, including processing most prescription drug, dental care and travel insurance benefit claims. SSQ’s legal agents and service providers must comply with SSQ’s Personal Information Protection Policy. Page 16
When enrolling in a group insurance plan and also when making a claim (e.g. using the
prescription drug insurance card), the participant consents that the insurer and its legal
agents and service providers may use their personal information for the purposes mentioned
above. It is understood that not giving this consent compromises the management of the
insurance coverage and the quality of the services SSQ can offer.
For more information, consult the SSQ Personal Information Protection Policy available at
ssq.ca.
5.3 Insurance documents
If the contract has been modified since the production date of this document, there may
be wording differences between this document and the policy. If so, the policy wording
will prevail.
Page 17Customer Centre
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48 hours to get reimbursed.
Now that’s fast!
With so many advantages,
why pass on it?
Submit a claim online and the reimbursement will be
directly deposited in your account within 48 hours (for
most types of health care expenses).
Never look for your insurance documents (statements,
proof, card) again.
Consult your claims easily.
Always know the details of your insurance coverage.
DV2962A-T20 (2019-12)
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