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Wednesday, July 7, 2010

The Insurance Policy for All Quebecers | Accident Victim | SAAQ

The Insurance Policy for All Quebecers | Accident Victim | SAAQ


Accident Victim

Table of Death Benefits

For accidents occurring between January 1 and December 31, 2010

Lump sum

  • For a victim without spouse or dependant In the case of an accident victim who leaves no spouse or dependant, $49,372 is paid, in equal shares, to the mother and father of a victim who was a minor at the time of death, or to the estate if the victim was of age.
  • Paid to the surviving spouse The lump-sum death benefit paid to the victim's surviving spouse is established based on the victim's gross income multiplied by a factor varying between 1 and 5, according to age. The maximum qualifying gross income is $62,500. In no case shall the benefit be less than $61,599 or higher than $312,500.

For example: The surviving spouse of a victim who dies at the age of 35 and whose gross annual income was $30,000 will be paid a lump-sum death benefit of $90,000 ($30,000 X 3.0).

Death benefits for accidents that occurred during the current year
Victim's age (yrs.) Factor Victim's age (yrs.) Factor Victim's age (yrs.) Factor
25 or younger 1.0 39 3.8 53 3.4
26 1.2 40 4.0 54 3.2
27 1.4 41 4.2 55 3.0
28 1.6 42 4.4 56 2.8
29 1.8 43 4.6 57 2.6
30 2.0 44 4.8 58 2.4
31 2.2 45 5.0 59 2.2
32 2.4 46 4.8 60 2.0
33 2.6 47 4.6 61 1.8
34 2.8 48 4.4 62 1.6
35 3.0 49 4.2 63 1.4
36 3.2 50 4.0 64 1.2
37 3.4 51 3.8 65 or older 1.0
38 3.6 52 3.6

Paid to a disabled surviving spouse
The lump sum paid to the surviving spouse who is disabled is established according to the victim's age at the time of death, as follows:

Lump sum to paid to a disabled surviving spouse
Victim's age (yrs.) Factor Victim's age (yrs.) Factor Victim's age (yrs.) Factor
45 or younger 5.0 52 3.6 59 2.2
46 4.8 53 3.4 60 2.0
47 4.6 54 3.2 61 1.8
48 4.4 55 3.0 62 1.6
49 4.2 56 2.8 63 1.4
50 4.0 57 2.6 64 1.2
51 3.8 58 2.4 65 or older 1.0

Paid to dependants
A victim's dependant, other than the spouse, is paid a lump-sum death benefit, the amount of which is established according to that person's age at the time of death of the victim.

Lump sum to paid to dependants
Dependant's age (yrs.) Amount of benefit Dependant's age (yrs.) Amount of benefit
Less than 1 year $53,901 9 $40,044
1 $52,361 10 $38,500
2 $50,821 11 $36,962
3 $49,280 12 $35,419
4 $47,739 13 $33,881
5 $46,200 14 $32,341
6 $44,662 15 $30,802
7 $43,120 16 or older $29,258
8 $41,581
  • If a dependant other than the spouse is disabled at the time of the victim's death, he or she is entitled to an additional lump-sum benefit of $25,409.
  • Children of an accident victim who had no spouse will also receive, in addition to their own indemnity, the lump-sum benefit that would have been paid to the spouse, divided into equal shares among them.

Indemnity to cover funeral expenses

  • $4,617 is paid to the victim's estate.

Availability allowance
If the victim was hospitalized and survived the accident for some time, members of the immediate family are entitled to an availability allowance when the presence of a relative was required for medical reasons.

  • $35 maximum for availability of 4 hours or less
  • $70 maximum for availability of more than 4 hours

The SAAQ indexes the amount of most compensation benefits paid on a yearly basis. An updated Compensation Table is available at the beginning of each year.