Your Frequently Asked Questions

Pour souscrire au RéTo enrol in the Chambers Plan, simply fill out this form and our agent will contact you for more information as soon as we receive your request.

Your group benefits plan are part of the Chambers of Commerce Group Insurance Plan, so becoming a member will allow you to benefit from both the advantages of your group benefits plan and those of the Chamber.

Since you are self-employed, please be aware that if you have access to your spouse’s group insurance plan, you are required by law to enrol in it. That plan will at least cover health care.

If you do not access to another plan, the Chambers Group Insurance Plan may be a good choice for you. The plan includes:

• Life insurance
• Accidental death and dismemberment insurance
• Two of the following: short-term disability insurance, long-term disability insurance, medical care, dental care and critical illness coverage

However, under the Québec government’s Act respecting prescription drug insurance, self­employed workers cannot obtain prescription drug coverage through a group insurance plan. The Act requires that prescription drug coverage be provided b the Régie de l’assurance maladie du Québec (RAMQ). The health care portion of the plan can provide everything else (e.g. ambulance services, hospitalization, chiropractor services, psychologist services, travel insurance, lab tests), but not prescription drugs. These remain the responsibility of the RAMQ, for which you must pay the annual premium of $636 when you file your income tax return in addition to the cost of the plan you have selected.

If you wish to purchase an individual disability insurance policy instead, to protect your income in the event that you have to stop working, we can put you in touch with a broker to discuss this option.

Offering group benefits plan gives your company a competitive edge. It has been shown that offering group benefits plan within your company increases productivity and reduces absenteeism.

Raising employee awareness and communicating the benefits of group benefits plan can be positive for your company. Involving your employees in this process will make it easier to implement strategies to meet your employees’ needs without incurring excessive costs for your company.