{"id":18676,"date":"2026-03-30T10:58:15","date_gmt":"2026-03-30T14:58:15","guid":{"rendered":"https:\/\/sagedecision.com\/?page_id=18676"},"modified":"2026-03-30T12:52:58","modified_gmt":"2026-03-30T16:52:58","slug":"guideemployeur","status":"publish","type":"page","link":"https:\/\/sagedecision.com\/en\/guideemployeur\/","title":{"rendered":"Guide employeur"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\n

 <\/span><\/b><\/p>\n\n

GUIDE POUR <\/span><\/b>L<\/span><\/b>\u02bc<\/span><\/b>EMPLOYEUR<\/span><\/b><\/o:p><\/span><\/b><\/p>\n\n

Assurance<\/span><\/b> <\/span><\/b>Collective<\/span><\/b><\/o:p><\/span><\/b><\/p>\n\n

\n <\/p>\n \n \n
<\/td>\n <\/tr>\n
<\/td>\n
<\/td>\n <\/tr>\n <\/tbody><\/table>\n  <\/o:p>

<\/p>\n\n
\n<\/span>\n\n

 <\/o:p><\/p>\n\n
\n

Table des\n mati\u00e8res<\/span><\/o:p><\/w:sdtpr><\/span><\/p>\n

NOUVEL<\/span><\/b> <\/span><\/b>EMPLOY\u00c9<\/span><\/b>. <\/span>3<\/span><\/a><\/o:p><\/p>\n

Embauche<\/span>. <\/span>3<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Adh\u00e9sion<\/span>\n <\/span>d\u2019un<\/span> <\/span>participant<\/span>. <\/span>4<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

D\u00e9finition <\/span>: <\/span>Personnes <\/span>\u00e0 <\/span>charge. <\/span>7<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Nomination<\/span> <\/span>de<\/span> <\/span>b\u00e9n\u00e9ficiaires<\/span>. <\/span>7<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Travailleurs \u00e9trangers \/ Impatri\u00e9s <\/span>7<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Employ\u00e9s <\/span>des\n Premi\u00e8res Nations (autochtones)<\/span>. <\/span>8<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

ADMINISTRATION<\/span><\/b> <\/span><\/b>PENDANT <\/span><\/b>l<\/span><\/b>\u02bc<\/span><\/b>ANN<\/span><\/b>\u00c9<\/span><\/b>E<\/span><\/b>. <\/span>9<\/span><\/a><\/o:p><\/p>\n

Terminaison <\/span>: <\/span>aviser <\/span>l\u2019assureur le <\/span>plus rapidement possible. <\/span>10<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Droit<\/span> <\/span>de<\/span> <\/span>transformation<\/span> <\/span>suivant<\/span> <\/span>la<\/span> <\/span>terminaison<\/span>. <\/span>10<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Enfants<\/span>\n <\/span>allant<\/span> <\/span>\u00e9tudier<\/span> <\/span>\u00e0<\/span> <\/span>l\u2019\u00e9tranger<\/span> <\/span>10<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

. Employ\u00e9 de 65<\/span> <\/span>ans<\/span> <\/span>et<\/span> <\/span>plus<\/span>. <\/span>12<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

FACTURATION<\/span><\/b> <\/span><\/b>ET<\/span><\/b> <\/span><\/b>PRIMES<\/span><\/b>. <\/span>14<\/span><\/a><\/o:p><\/p>\n

Maximums avec et\n sans preuves d\u2019assurabilit\u00e9<\/span><\/b>. <\/span>16<\/span><\/a><\/o:p><\/p>\n

Assurance Invalidit\u00e9 et assurance vie<\/span>. <\/span>16<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Preuves<\/span>\n <\/span>d\u2019assurabilit\u00e9<\/span>. <\/span>17<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

ABSENCE<\/span><\/b> <\/span><\/b>DU<\/span><\/b> <\/span><\/b>TRAVAIL<\/span><\/b>. <\/span>17<\/span><\/a><\/o:p><\/p>\n

Types<\/span><\/b> <\/span><\/b>d\u2019absence<\/span><\/b>. <\/span>18<\/span><\/a><\/o:p><\/p>\n

Terminaison<\/span> <\/span>pour<\/span> <\/span>non-paiement<\/span> <\/span>des<\/span> <\/span>primes<\/span>. <\/span>18<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Cong\u00e9 <\/span>de <\/span>maternit\u00e9\/paternit\u00e9\/parental <\/span>18<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Mise \u00e0<\/span><\/b> <\/span><\/b>pied<\/span><\/b> <\/span><\/b>temporaire<\/span><\/b> <\/span><\/b>ou<\/span><\/b> <\/span><\/b>cong\u00e9<\/span><\/b> <\/span><\/b>sans<\/span><\/b> <\/span><\/b>solde<\/span><\/b>. <\/span>19<\/span><\/a><\/o:p><\/p>\n

Assurance invalidit\u00e9. <\/span>19<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

OBLIGATIONS<\/span><\/b> <\/span><\/b>L\u00c9GALES<\/span><\/b>. <\/span>22<\/span><\/a><\/o:p><\/p>\n

Loi<\/span> <\/span>sur<\/span> <\/span>l\u2019assurance<\/span> <\/span>m\u00e9dicaments<\/span> <\/span>du<\/span> <\/span>Qu\u00e9bec<\/span>. <\/span>22<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Loi<\/span> <\/span>sur<\/span> <\/span>les<\/span> <\/span>normes<\/span>\n <\/span>du<\/span> <\/span>travail<\/span> <\/span>22<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

Responsabilit\u00e9 <\/span>de <\/span>l\u2019employeur <\/span>22<\/span><\/a><\/span><\/o:p><\/span><\/p>\n

LEXIQUE<\/span><\/b> <\/span>23<\/span><\/a><\/o:p><\/p>\n

 <\/o:p><\/span><\/b><\/p>\n<\/w:sdt>
\n<\/span><\/b>\n\n

 <\/span><\/b><\/a><\/p>\n\n

NOUVEL<\/span><\/b><\/a> <\/span><\/b>EMPLOY\u00c9<\/span><\/b><\/o:p><\/span><\/b><\/p>\n\n

<\/a><\/a>Embauche<\/span><\/b><\/o:p><\/span><\/b><\/p>\n\n

Lorsqu\u2019un nouvel\nemploy\u00e9 se joint \u00e0 l\u2019\u00e9quipe, il est important de l\u2019informer que l\u2019entreprise\noffre un r\u00e9gime d\u2019assurance collective, et que celui-ci fait partie des\nconditions d\u2019emploi.<\/o:p><\/span><\/p>\n\n

Soins M\u00e9dicaux<\/span><\/u>
\nAu Qu\u00e9bec, si vous \u00eates admissible \u00e0 un r\u00e9gime priv\u00e9 d\u2019assurance collective,\nvous devez y adh\u00e9rer et couvrir votre conjoint et vos enfants. Seules les\npersonnes qui ne sont pas admissibles \u00e0 un r\u00e9gime priv\u00e9 peuvent s\u2019inscrire au\nr\u00e9gime public d\u2019assurance m\u00e9dicaments. Vos employ\u00e9s inscrits \u00e0 la RAMQ devront\ncommuniquer avec eux pour se d\u00e9sinscrire \u00e0 la date de leur admissibilit\u00e9 \u00e0\nvotre r\u00e9gime.<\/o:p><\/span><\/p>\n\n

Voici les liens utiles\nle site de la RAMQ : <\/o:p><\/span><\/p>\n\n

D\u00e9sinscription avec d\u00e9marche | R\u00e9gie\nde l\u2019assurance maladie du Qu\u00e9bec (RAMQ)<\/span><\/a><\/o:p><\/span><\/p>\n\n

Obligation d’avoir une assurance\nm\u00e9dicaments | R\u00e9gie de l\u2019assurance maladie du Qu\u00e9bec (RAMQ)<\/span><\/a><\/o:p><\/span><\/p>\n\n

Responsabilit\u00e9s des employeurs et des\nassureurs | R\u00e9gie de l\u2019assurance maladie du Qu\u00e9bec (RAMQ)<\/span><\/a><\/o:p><\/span><\/p>\n\n

Autres garanties<\/span><\/u>
\nLes employ\u00e9s doivent adh\u00e9rer \u00e0 toutes les garanties auxquelles ils sont\nadmissibles. Le caract\u00e8re obligatoire de l\u2019assurance collective permet de\nr\u00e9duire le risque d\u2019antis\u00e9lection, car tous les employ\u00e9s sont assur\u00e9s peu\nimporte son \u00e9tat de sant\u00e9. Cela permet de r\u00e9partir le risque entre tous les\nmembres du groupe afin d\u2019offrir une prime plus stable et moins \u00e9lev\u00e9e qu\u2019en\nassurance individuelle.<\/o:p><\/span><\/p>\n\n

Exemption<\/o:p><\/span><\/u><\/p>\n\n

Un salari\u00e9 couvert en vertu d\u2019un autre r\u00e9gime d\u2019assurance collective, par\nson conjoint par exemple, peut s\u2019exempter uniquement des garanties de soins\nm\u00e9dicaux et soins dentaires, <\/b>en donnant la preuve de son autre couverture lors\nde son adh\u00e9sion. <\/span>Pour s\u2019exempter des soins m\u00e9dicaux de votre r\u00e9gime d\u2019assurance collective,\nl\u2019employ\u00e9 doit \u00eatre couvert par un r\u00e9gime comparable. Le point important c\u2019est\nque le r\u00e9gime ne doit pas \u00eatre compl\u00e9mentaire \u00e0 la RAMQ, il doit la\nremplacer<\/b>.<\/o:p><\/span><\/span><\/p>\n\n

 <\/span><\/b><\/p>\n\n

Les autres garanties demeurent obligatoires<\/span><\/b>. L\u2019assureur ne permet\nnormalement pas l\u2019exemption d\u2019un employ\u00e9 qui a une assurance vie ou assurance\nsalaire personnelle\/individuelle.<\/o:p><\/span><\/p>\n\n

 <\/span><\/p>\n\n

 <\/span><\/u><\/b><\/p>\n\n

Admissibilit\u00e9<\/span><\/b><\/a> <\/span><\/b>propre<\/span><\/b> <\/span><\/b>\u00e0<\/span><\/b> <\/span><\/b>votre<\/span><\/b> <\/span><\/b>r\u00e9gime<\/span><\/b> <\/span><\/b><\/o:p><\/span><\/b><\/p>\n\n

 <\/span><\/b><\/p>\n\n

En g\u00e9n\u00e9ral, les employ\u00e9s doivent avoir\nun poste permanent \u00e0 temps plein pour \u00eatre admissible au r\u00e9gime d\u2019assurance\ncollective. Sont donc normalement exclus les \u00e9tudiants, contractuels, employ\u00e9s\n\u00e0 temps partiel ainsi que les saisonniers.<\/o:p><\/span><\/p>\n\n

Le nombre d\u2019heures travaill\u00e9es par\nsemaine pour \u00eatre \u00e0 temps plein est d\u00e9fini au contrat. <\/o:p><\/span><\/p>\n\n

Une p\u00e9riode d\u2019attente suivant la date\nd\u2019embauche \u00e0 temps plein de l\u2019employ\u00e9 doit normalement \u00eatre respect\u00e9e, mais\npourrait \u00eatre supprim\u00e9e afin d\u2019offrir le r\u00e9gime comme condition d\u2019embauche.<\/o:p><\/span><\/p>\n\n

 <\/span><\/p>\n\n

Les crit\u00e8res peuvent toutefois varier\nd\u2019un r\u00e9gime \u00e0 l\u2019autre, votre contrat contient tous les d\u00e9tails \u00e0 ce sujet.<\/o:p><\/span><\/b><\/p>\n\n

 <\/span><\/p>\n\n

 <\/span><\/b><\/a><\/p>\n\n

Adh\u00e9sion<\/span><\/b><\/a> <\/span><\/b>d\u2019un<\/span><\/b> <\/span><\/b>participant<\/span><\/b><\/o:p><\/span><\/b><\/p>\n\n

 <\/span><\/b><\/p>\n\n

D\u00e9lai<\/span><\/b> <\/span><\/b>maximal<\/span><\/b> <\/span><\/b>de<\/span><\/b> <\/span><\/b>30<\/span><\/b> <\/span><\/b>jours<\/span><\/b> <\/span><\/b>suivant la date<\/span><\/b> <\/span><\/b>d\u2019admissibilit\u00e9 pour<\/span><\/b> <\/span><\/b>l\u2019adh\u00e9sion<\/o:p><\/span><\/b><\/p>\n\n

 <\/span><\/p>\n\n

Une fois qu\u2019un\nemploy\u00e9 devient admissible au r\u00e9gime d\u2019assurance collective, vous disposez d\u2019un\nmaximum de 30 jours pour soumettre son adh\u00e9sion \u00e0 l\u2019assureur. Pass\u00e9 ce\nd\u00e9lai, l\u2019employ\u00e9 sera consid\u00e9r\u00e9 comme retardataire<\/u><\/b>.<\/o:p><\/span><\/p>\n\n

 <\/span><\/p>\n\n

 <\/span><\/b><\/p>\n\n

** Si vous avez un\nemploy\u00e9 retardataire, communiquez avec nous pour discuter des solutions\npossibles avant de proc\u00e9der \u00e0 son adh\u00e9sion. Nous pourrons vous assister dans les\ndiff\u00e9rentes \u00e9tapes. **<\/o:p><\/span><\/b><\/p>\n\n

 <\/span><\/p>\n\n

Voici les 2\noptions les plus commun\u00e9ment offertes<\/o:p><\/span><\/p>\n\n

Option 1 :\nAdh\u00e9sion r\u00e9troactive (dans certains cas seulement)<\/o:p><\/span><\/b><\/p>\n\n

Selon le retard et les tol\u00e9rances\nadministratives de l\u2019assureur, l\u2019employ\u00e9 pourrait \u00e9ventuellement \u00eatre inscrit \u00e0\nsa date d\u2019admissibilit\u00e9 et ainsi ne plus \u00eatre consid\u00e9r\u00e9 comme retardataire,\nmais certaines conditions s\u2019appliquent, dont :<\/o:p><\/span><\/p>\n\n