Step 2 Amount of death benefits and funeral expenses

Death benefit paid to the spouse

The minimum death benefit paid to the spouseThe spouse may be the person married to the deceased or the de facto spouse of the deceased. A person is the de facto spouse of another person if the 2 of them have lived together as a couple for at least 3 years, or if they have a child together and have lived together as a couple for at least 1 year. is $70,139 and the maximum is $367,500.

The amount of the death benefit is calculated by multiplying the deceased's gross annual income by 1 to 5, based on his or her age.

Refer to the death benefit calculation tool.

Death benefit paid to a spouse who is disabled

The minimum death benefit paid to a spouse who is disabledThe SAAQ considers a person to be disabled if, because of the person’s mental or physical condition, he or she requires constant care and is therefore unable to work and lead an active life. is $70,139 and the maximum is $367,500.

The amount of the death benefit is calculated by multiplying the deceased's gross annual income by 1 to 5, based on his or her age.

Refer to the death benefit calculation tool.

Death benefit paid to dependants

The children of the deceased are entitled to receive a death benefit for dependantsA dependant may be a minor child or a child of full age, provided the deceased was providing for more than 50% of the child’s needs at the time of death.. The benefit is calculated based on their age at the time of their parent's death.

If the deceased had no spouse, the children are entitled to receive—in addition to the death benefit for dependants—the amount of the death benefit that would otherwise have been payable to the spouse.

Dependants other than the spouse, if disabled at the time of the deceased's death, will receive an additional benefit of $28,932.

Refer to the death benefit calculation tool.

Death benefit paid if the deceased had no spouse or dependants

We pay a lump-sum benefit of $56,217:

  • to the parents or guardians, if the deceased was a minor
  • to the succession (i.e., the estate), if the deceased was of full age

Compensation for diminished quality of life

This compensation can be granted for mental suffering, pain and diminished quality of life suffered by the deceased only if his or her death occurred more than 24 hours after the accident.

The amount of the compensation for diminished quality of life is calculated based on the severity of the injuries.

Psychological support

To help you cope with your loss, we can reimburse you for up to 15 hours of psychological counselling, to a maximum of $86.60 per hour.

To qualify for psychological support, you must be granted a death benefit.

Reimbursement of certain expenses

If your loved one was hospitalized before his or her death and you remained by his or her side at the doctor's request, we can reimburse you for travel and living expenses.

We can also pay you a daily allowance for accompanying your loved one before his or her death.

The maximum amount of this allowance is:

  • $35 for 4 hours or less
  • $70 for more than 4 hours

Lump-sum amount for funeral expenses

We automatically pay the succession a lump-sum amount of $5,256 for funeral expenses.