Regardless of whether or not you have disability insurance, you may be eligible for benefits under public plans.
Committee on Standards, Equity, Health and Safety at Work (CNESST)
If your disability was caused by an accident at work, you may receive compensation from the Commission des normes, de l'énergie, de la santé et de la sécurité du travail. (CNESST) This link will open in a new window.
Quebec Automobile Insurance Company (SAAQ)
All Quebecers are automatically covered in the event of injury or death in a traffic accident. This insurance is valid whether or not you were responsible for the accident. For more information, visit the website of the Société de l'assurance automobile du Québec (SAAQ) This link will open in a new window.
If your health problem is serious and permanent, and it prevents you from exercising any kind of employment, you may be eligible for a disability pension from Retraite Québec. However, you must have already contributed to the Quebec Pension Plan. To get an overview of the amount of your disability pension, consult your statement of participation. For more information, visit the Retraite Québec website This link will open in a new window.
Your insurer could coordinate benefits with these plans, that is, they will limit the amounts they pay you based on what you already receive from another plan.