Bulletin
LONG-TERM DISABILITY INSURANCE CAMPAIGN
2 October 2025
OCTOBER IS ADHESION MONTH FOR OPTIONAL LONG TERM DISABILITY INSURANCE FOR MEMBERS COVERED BY THE SERVICE EMPLOYEES UNION, LOCAL 800 (SEU 800) GROUP INSURANCE
Since June 2014, you have the possibility to complete your group insurance coverage by subscribing, on an individual basis, to the long-term disability insurance. This opportunity only comes once a year during our ANNUAL ADHESION CAMPAIGN TO THE LONG-TERM DISABILITY INSURANCE held in October.
What is optional long-term disability insurance?
This type of protection provides a replacement income in the eventuality that you become disabled during a period exceeding 52 weeks. Benefits are paid up to a maximum of 2 years however no benefits are paid after the age of 65. The definition of disability is well explained in the summary of benefits * and is the same as that of the majority of plans in Quebec: during the first two years of your disability, it is the inability to hold your own job.
The amount of benefit paid to you in case of disability is equivalent to the one being paid during a short-term disability (approximately 66.6% of gross income) and is not subject to any governmental deductions. There are however two important differences. The first is that this benefit is paid monthly. The second is that the benefit is reduced by any amount received from a public plan, such as a disability pension from the RRQ. You will find on our website a description of the guarantee, including a table with the amounts of benefits and associated costs. Please note that the costs shown in the table are subject to change in future renewals.
How can you join?
The optional adhesion to this protection being exceptional, we have to compromise with certain restrictions. So, adhesion is limited to the SEU 800 members already covered by the group insurance. Adhesion is possible only during the annual adhesion campaign and the protection will be automatically renewed thereafter. When you enroll in long-term disability insurance, your adhesion can not be canceled and becomes mandatory as the other protections of our group insurance. No proof of good health is required. On the other hand, there is a clause of pre-existing conditions of 3 months; this means that an incapacity bound to a present disease before the adhesion could not be eligible unless it begins 12 months after adhesion*.
If you wish to subscribe to the optional long-term disability insurance,
You must fill the inscription form, sign it and return it before October 31st, 2025 to the SEU 800 insurance department.
By mail :
UES 800 – Collective insurance
920, Port-Royal E
Montreal QC H2C 2B3
By fax : (514) 385-9888
Email : assurance@ues800.org">assurance@ues800.org
The guarantee will come into effect on November 1st, 2025. For further information, please contact our resource persons at 514 385-1717 #399 or toll free at 1 800 361-2486 #399.
Best regards
SEU 800 Insurance Committee