How Much Per Pay Will The New Employers Group Insurance Contribution Be – Will it Lower Premiums?

After the FSSS-CSN and the FAS initially rejected the 2015 contract offer, the FSSS gained an administrative letter towards group salary insurance valued at $14.5 million per year for all eight CSN Federations. The other major Quebec public employees unions FTQ and CSQ had already received a similar administrative letter.

In the current agreement in principle, according to the union Centrals, the extra money is included in the contract. However, the FSSS-CSN has not stated the total yearly amount of the employers’ group insurance contribution.

The essential question is, by what amount will the new group insurance funds lower per pay a worker’s premium? A question we’ve asked that remains unanswered. However, under the previous contract negotiations, the Centrals received $14.5 million yearly towards group insurance. Despite the extra money, worker’s premiums continued to rise… Therefore, we believe premiums will continue to rise until labour organizations oblige employers to contribute their fair share to group insurance plans.

According to the SSQ, the current FSSS-CSN public sector group insurance premiums* (cat: 2/3) are the following:

Individual plan per pay (14 days): 
Health 1, $44.17, Health 2, $58.15 and Health 3, $67.12

Single parent plan per pay (14 days): 
Health 1, $53.02, Health 2, $72.12 and Health 3 $83.26

Family plan per pay (14 days): 
Health 1, $97.22, Health 2, $7129.62 and Health 3 $148.99

*The above coverage does not include Life Insurance, Dental and Long Term Disability Insurance.

The New Deal

We referenced the following current group insurance employers’ contributions from the 2016-2020 FSSS-CSN National Contract. 

Individual Plan

Employees who are ensured for themselves alone and whose job title earns a maximum on the payscale on March 13, 2011, equal to or greater than $40,000 a year, will see the employer’s contribution increase from $2.39 per pay to approximately $7.19.

Employees who are ensured for themselves alone and whose job title earns a maximum on the payscale on March 13, 2011, equal to or less than $40,000 a year, will see the employer’s contribution increase from $5.28 per pay to approximately $15.89.

Family Plan

Employees who are ensured for themselves and their dependants and whose job title earns a maximum on the payscale on March 13, 2011, equal to or greater than $40,000 a year, will see the employer’s contribution increase from $5.97 per pay to approximately $17.97.

Employees who are ensured for themselves alone and whose job title earns a maximum on the payscale on March 13, 2011, equal to or less than $40,000 a year, will see the employer’s contribution increase from $13.24 per pay to approximately $39.85.