Reflecting my reality
Choose the group insurance coverage that best suits your needs

Welcome to this new website, designed to facilitate your transition to the new CSQ group insurance plan, the Alter ego plan. This plan, which features a new flexible and innovative structure, was adopted in May 2020 after extensive consultation. This website provides you with information tools and the necessary resources to make an informed decision regarding the new Alter ego—The CSQ Advantage plan.

Everything you need!

The CSQ Social Security Services team has created 11 informational videos to provide you with the necessary tools to make an informed decision about your coverage under your new Alter ego group insurance plan. These videos set out the Alter ego plan’s content and new structure. You will also learn when and how you can enroll in this new plan.

Enrollment campaign of the new Alter ego plan

Please note: You will be required to register your choices for the Alter ego plan from November 9 up to and including December 4, 2020. The new contract will come into effect on January 1, 2021. Until then, we encourage you to make good use of the tools available to you and to take part in the information sessions. Should you have any questions, do not hesitate to reach out to us or contact your local union.

Enroll

Online information sessions

The CSQ, through its Social Security Services, offers an online information session to introduce the new Alter ego group insurance plan. During this session, which lasts approximately 90 minutes, the new Alter ego plan structure and its content will be presented, as well as how and when you can enroll. To sign up and choose one of the many dates made available to you, simply click on the link that best describes your situation. If you have any questions prior to your information session, do not hesitate to email us at alterego@lacsq.org or contact your local union.

Information sessions for affiliates
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Information sessions for members
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Documentation

All documents you may need to better understand how your new Alter ego plan will be implemented.

Document

Your plan at a glance (printable version)

This document includes a summary of all coverages available, the Alter ego structure and all associated costs.

Document

Your plan at a glance

This document includes a summary of all coverages available, the Alter ego structure and all associated costs.

Frequently asked questions

Alter Ego enrolment campaign

Yes, you will have the opportunity to choose your coverage under the Alter Ego plan.

The campaign will be held from November 9 to December 4, 2020

On January 1, 2021, you will be granted equivalent options of benefits as you have under the current plan on.

Certain life events allow you to change your coverage if the required criteria are met.

Certain events in life render you eligible to increase, decrease or terminate coverage without the requirement for evidence of insurability, provided the request for change is received in accordance with contract provisions.

Recognized events
  • Marriage, civil union or cohabitation for more than one year (there is no minimum period if a child is born of the union, or if legal adoption procedures have been undertaken)
  • Birth or adoption of a child
  • Termination of spouse's insurance coverage
  • Separation, divorce or death of a spouse
  • Termination of eligibility or death of a dependant child
  • New regular employment status obtained, according to the applicable collective agreement

Details on possible changes are available in the « Your plan at a glance » document.

CSQ group insurance plan participation rules

In accordance with the group insurance contract signed by CSQ and SSQ, below is a summary of all compulsory coverage:

Plans Compulsory participation Optional participation
Health insurance
Basic plan
Complementary Package 1 (optional)
Complementary Package 2 (optional)
Complementary Package 3 (optional)
Complementary Package 4 (optional)
Disability insurance
Long-term
Life insurance
Participant’s basic
Subject to the right to opt out
Dependent’s basic
Optional participant’s and spouse’s
Dental care
Preventive care, minor and major restorations

Please note that Quebec’s Act respecting prescription drug insurance stipulates that when you are eligible for group insurance that offers prescription drug insurance, you must enrol. By law, you must also provide prescription drug insurance coverage for your spouse and dependent children if they are not already covered by another private group insurance plan.

Right of exemption - It is possible to opt out of the Alter Ego health insurance coverage as long as the participant is already insured under another group insurance plan that has similar benefits.

Pricing changes as of January 1, 2021

The plan’s health insurance coverage was completely revamped, effective January 1, 2021, and so rate changes may vary based on your coverage status (individual, single-parent or family) and the plan you had before January 1, 2021 (Health 1, Health 2 or Health 3). Please consult the premium calculator or the « Your plan at a glance » document for more information on the rates taking effect on January 1, 2021. Training and tools have been provided on the Alter Ego microsite to help guide you through the new structure.

The new premium will apply on the first day of the pay period following January 1, 2021.

Change to the health insurance plan structure effective January 1, 2021:

The health insurance plan that you will hold on January 1, 2021, will be granted to you, as follows:

Plan before January 1, 2021 Equivalent plan as of January 1, 2021
Health 1 Basic plan and Complementary 1
Health 2 Basic plan and Complementary 1, 2 and 4
Health 3 Basic plan and Complementary 1, 2, 3 and 4
Health insurance exemption* Health insurance exemption*

*If you were already exempted from the health insurance plan, you are not required to submit or demonstrate again that you are insured under another group insurance plan. If you are not exempted under your current plan, but wish to be from the Alter Ego plan, you may submit a request to your employer as of January 1, 2021.

Plan members must enrol in the Basic plan, subject to the right of exemption. The plan reimburses prescription drugs and provides coverage for accidental dismemberment.

Also included are 4 optional complementary packages that reimburse the following:

  • Travel insurance and other basic healthcare expenses
    (optional Complementary Package 1)
  • Professional healthcare services
    (optional Complementary Packages 2 and 3)
  • Expenses for other medical care
    (optional Complementary Package 4)

Given the significant changes made to the plan, it is essential that you participate in the enrolment campaign to ensure that you are satisfied with your coverage. Equivalent coverage might not be exactly the same as your current coverage. In addition to coverage selections, you must designate a beneficiary for the Participant’s Basic Life Insurance and Participant’s Optional Life Insurance coverage (if applicable).

To enrol in the Alter Ego plan, you must log in to SSQ Insurance’s Customer Centre

With the implementation of the new Alter Ego plan, the accumulators for minimum participation will be reset to zero on January 1, 2021. Take note that with enrolment in one or more of the four optional complementary packages, a new minimum 24-month participation period will apply to each one of them.

Yes, the approval period previously granted will be accepted. A new request won’t be necessary provided the approval period has not expired.

Your exemption will be carried over without you having to demonstrate that you are insured under another plan with similar coverage, but we would ask that you confirm your selections in your Customer Centre and have a look at the new options under the Alter Ego plan.

Complementary Package 1 (optional)

No. The coverage status must be the same (individual, single-parent, family). However, it is possible to have a different coverage status for dental care than the one selected for health insurance.

You will not receive paper documents confirming your new selections. However, you will get a confirmation statement in the Customer Centre. As of January 1, 2021, the details of your current coverage will be available in the Customer Centre at customer-centre.ssq.ca. In the Customer Centre menu in the top right-hand corner, select “Group Insurance”, then « Contract », and « My Contract ».

Employees absent from work

Yes, you must make your selections. However, any increases in health and dental coverage and increase in life insurance, will not be applied until you return to work. If you are still on disability by January 1, 2021, you will be granted equivalents of the coverage you currently hold. Any amounts held in life insurance will also be carried over.

Plan before January 1, 2021 Equivalent plan as of January 1, 2021
Health 1 Basic plan and Complementary Package 1
Health 2 Basic plan and Complementary Packages 1, 2 and 4
Health 3 Basic plan and Complementary Packages 1, 2, 3 and 4
Health insurance exemption* Health insurance exemption*

Long term disability insurance

No. Participation in this coverage is compulsory and there is only one option available.

Life insurance

No. Given that it is a new contract, all plan members will be given the minimum $10,000 coverage under the Participant’s Basic Life Insurance. If you do not wish to keep this coverage, you must submit a request to your employer to opt out within 180 days after January 1, 2021.

Keep in mind that:

  • to participate in the Participant's Optional Life Insurance, you must first participate in the Participant's Basic Life Insurance in the amount of $25,000;
  • to participate in the Spouse's Optional Life Insurance, you must first take out $20,000 (option 2) for the spouse in the dependent’s life insurance.

If you already had optional life insurance for you or your spouse under the current plan, you will be able to renew the amounts without having to submit new evidence of insurability.

If you did not have any optional life insurance coverage for you or your spouse, you will be able to select optional life insurance coverage during the enrolment campaign when you make your selections in the Customer Centre. Evidence of insurability may be required depending on the amounts requested. Evidence of insurability will be required for any amount over $75,000 (combined Participant's Basic Life Insurance and Participant’s Optional Life Insurance coverage). Any amount for Spouse’s Optional Life Insurance will be subject to the presentation of evidence of insurability.

In this enrolment campaign, any increase in the Participant’s Optional Life Insurance coverage over $50,000 requires evidence of insurability.

For the Spouse’s Optional Life Insurance coverage, any increase will require the presentation of evidence of insurability.

Beneficiaries

No. When you make your selections online, you must designate new beneficiaries.

If you do not designate a beneficiary during the enrolment campaign, we will enter the “Participant’s Estate” with a revocable status, regardless of the current beneficiary designations. You will also be able to change the beneficiary designation anytime after January 1, 2021, in your Customer Centre.

Dental care insurance

No.

If you already had dental coverage under the current plan, your accumulator will be carried over to the Alter Ego plan on January 1, 2021. The same applies to the progressive maximum reimbursements for the calendar year.

If you did not have dental coverage under the current plan but will as of January 1, 2021, a minimum 48-month participation period will start.

Registering for the Customer Centre

During the campaign you will be able to make your selections online. The information will be emailed to you during the week of November 9 to the email address SSQ has on file for you.

You must be registered for the Customer Centre to make your selections.

You can view your current insurance file in your Customer Centre at customer-centre.ssq.ca and make your coverage selections under the new Alter Ego plan to take effect on January 1, 2021.

The Customer Centre is where you will find all the documents for your new group insurance plan. You can print out the payment cards (after January 1), claim certain medical expenses, change your beneficiary for life insurance and make address changes.

You can change your banking information at any time in the Customer Centre.