Supplementary Insurance

Insurability conditions

To obtain coverage under the supplementary insurance plan in their trade, workers must first be insured under one of the basic plans A, B, C or D. They must also have accumulated the required amount of supplementary contributions. People insured under plan Z are not offered supplementary coverage.

To learn about the coverage offered by the different insurance plans, you may consult the MÉDIC Construction newsletters under "Publications."

A worker who feels that he or she has the right to insurance coverage different from that granted by the Commission de la construction du Québec may contest this decision. To do this, he or she must contact Customer Services, which will send him or her the appropriate form.

How to be insured

To obtain supplementary coverage, workers must meet the following two conditions:

• Be insured by one of the basic plans A, B, C, or D;

AND

• Accumulate the required amount of supplementary contributions corresponding to this basic plan.

It is important to note that workers accumulate supplementary contributions for each hour worked in the trade concerned. These contributions are determined by the collective agreements and vary by trade, type of site, and sector. In the residential sector, supplementary contributions are paid only into the electricians’ supplementary plan.

Workers who have fewer supplementary contributions than required are insured only by the basic plan; supplementary contributions are added to their supplementary hour reserve.

The table below gives the hours and the amount of supplementary contributions required to benefit from the various supplementary plans during the insurance period of July to December 2024. Each supplementary plan is identified by a letter.

For instance, to obtain coverage under supplementary plan B for roofers (plan BC), a worker must have accumulated 600 hours and $253 in roofer’s supplementary contributions.

Supplementary hour reserve

If a worker has more supplementary contributions than required to obtain supplementary coverage, the surplus is added to that worker’s supplementary hour reserve. If a worker has not accumulated enough contributions during the reference period to obtain the supplementary coverage, the missing amount is taken from the hour reserve, if possible.

Hour credits for training

When a worker takes a training course recognized by the Commission de la construction du Québec (CCQ), supplementary contributions may, under certain conditions, be credited to his or her supplementary hour reserve. The amount of the supplementary contributions paid is calculated according to the rate of supplementary insurance set out in the collective agreements. This amount is paid into the supplementary hour reserve when the hours for training are credited to the worker’s hour reserve.

Loss of supplementary contributions

When workers lose the hours in their hour reserve, they also lose the corresponding contributions in their supplementary hour reserve. The contributions lost by workers are paid into the supplementary insurance fund of their trade and are used to fund that plan.

Premium for Supplementary Plan C Coverage

Workers who pay the premium required to obtain coverage under basic plan C are automatically insured for the supplementary plan C in their trade if they have accumulated the required amount of supplementary contributions.

For example, for the insurance period from July to December 2024 workers who pay the premium required to obtain coverage basic plan C are covered under plan CO for occupations if they have accumulated $172 in supplementary contributions for this trade. Workers who have not accumulated the required $172 are insured under plan C only; they may not pay the missing amount of contributions.