Long Term Disability Insurance

 

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Provider: SSQ Groupe Financier

Membership terms

 You have to work for the university for 4 months, without any breaks longer than 6 months, and be covered by RAMQ.

Enrolment is mandatory for all. There is no exception. The forms can be found here.

Coverage

In case of disability that prevents you to work as a postdoctoral fellow, the University continues to pay your regular salary for the first 35 weeks. You continue during that time to pay all the regular deductions (tax, EI, RQAP, etc.) on this salary.

From the 36th week on, the Insurance company pays you 80% of your regular salary. However, these payments are non-taxable and you don’t pay the deductions.

There is no maximum length of time for the insurance payment. However, if it should extend past 32 months, it would have to not only prevent you from working as a postdoctoral fellow, but prevent you from having any job for which you are qualified.

How much does it cost?

0,47306 % of your gross salary

For example, if you make $40,000 per year, it means $189.22 per year or $7.28 per pay period.

 How to make a claim?

The university provides the required forms toward the end of the 35 week period. These forms have to be completed and returned 30 days before the end of the 35 week period.