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Interpretation guide of the Collective agreement
Collective agreement
2010-2015 (1.40 Mb)
 
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Been browsing the website and have some questions? Chances are you'll find the answers in the section below. Should you not, however, simply drop us a line.

001 - Did you know you, too, can enjoy the year-end holiday break?

002 - Are there any special provisions to be borne in mind in preparing my tax returns with regard to the La Capitale group insurance plan?

003 - From when am I covered with my collective insurance ?

004 - Can I withdraw from the La Capitale group insurance plan?

005 - If my spouse does not have access to a private plan, do I have to cover him/her?

006 - I'm leaving on a trip. Do I need travel insurance (e.g. Blue Cross) ?

007 - Do I need supplementary disability insurance ?



001 -

Did you know you, too, can enjoy the year-end holiday break?

 

You are entitled to take a maximum of 5 consecutive days’ leave for your Christmas or New Year’s holiday!

Year-end holiday leave is split among residents. Each of you is entitled to take one of the two statutory holidays (Christmas Day or New Year’s Day). The collective agreement allows you to combine this with annual leave or other statutory holidays to make a total of five straight days.
Example: Sunday, December 24 is a statutory holiday for your current rotation site, and you take from December 20 to Saturday, December 23 (4 days) = 5 days.

Article 23.05 of your collective agreement
At Christmas or New Year’s, the resident shall be entitled to take up to five (5) consecutive days of annual vacation or accumulated statutory holidays, including Christmas Day or New Year’s Day.

Article 23.01 of your collective agreement
The establishment shall recognize and observe during the year thirteen (13) paid statutory holidays. These holidays shall be noted on a list drawn up by the establishment and given to each resident by July 1 of each year at the latest.

 

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002 -

Are there any special provisions to be borne in mind in preparing my tax returns with regard to the La Capitale group insurance plan?

 

You do have to complete Revenue Quebec's Schedule K (Annexe K) if you were covered for the entire year by a group insurance plan. And you must enter the number identifying your situation-14-in Box 449 on your return. Failure to indicate anything in Box 449 could mean your having to pay additional taxes on your tax return, as you would have to pay a contribution to the Quebec drug insurance plan.

For new residents who began their residency on July 1, 2013, you must complete Schedule K (Annexe K) and indicate that you had group insurance coverage from August 2013 onward.

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003 -

From when am I covered with my collective insurance ?

  After one month of continuous service (at work); so, for those beginning their residency on July 1, the coverage is effective August 1.
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004 -

Can I withdraw from the La Capitale group insurance plan?

  No, the plan has been mandatory since 1988. Setting up a mandatory plan leads to substantially lower premiums. In addition, since January 1, 1997, all residents of Quebec have been required to have insurance under a prescription drug plan to comply with Bill 33. As a result, anyone with access to a private insurance plan has to join it, at least for the portion concerning prescription drugs, as is the case with you. The only way of not having to join the plan is to be already covered by one’s spouse’s group plan, or in some cases, one’s parents’ plan. In no case are you eligible for the RAMQ’s public plan, since you have access to a private plan.
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005 -

If my spouse does not have access to a private plan, do I have to cover him/her?

  Yes, the Act respecting prescription drug insurance requires you to cover your spouse. In such a case, you must ask for family coverage in your La Capitale insurance plan.
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006 -

I'm leaving on a trip. Do I need travel insurance (e.g. Blue Cross) ?

 

No, you don't need this type of insurance since your plan includes travel insurance, and trip cancellation insurance. Only your baggage is not covered in case of loss or theft. In case of loss by the airline, that company will reimburse a certain amount of the loss. Also, your home insurance covers you in case of loss or theft in such a situation, on the terms and conditions set out in your policy. 

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007 -

Do I need supplementary disability insurance ?

  The coverage in effect provides benefits equal to 80% of your salary as a resident from the sixth day of disability, and the benefits can continue up to age 65. For most residents, this coverage is sufficient. However, in certain cases, and depending on your situation (indebtedness, family responsibility, etc.), additional coverage may be an attractive optionworth considering. In this regard, you have probably already been solicited by independant brokers to take out an individual insurance policy. Did you feel you were adequately advised or that you gave in to sales pressure ? The FMRQ can offer you advice on how to best meet your needs, without any obligation on your part. An agreement with Sogemec Assurances, a subsidiary of the Fédération des médecins spécialistes du Québec (FMSQ), means that exclusive, quality products are offered at lower cost than an individual policy. What is important is that you can count on professional advice that takes your real needs into account. Often, after learning about your personal situation, the recommendation will be to wait until you start out in practice before taking out supplementary insurance. And as for any concerns over losing your insurability while in residency, there are ways of obtaining insurance without proof of insurability in the plan offered by Sogemec, both for residents in a specialty and for those in family medicine.


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Latest update: Monday, April 21, 2014