In the Event of a Death

Calculation of Death Benefits

Amendments to the Automobile Insurance Act will come into effect on July 1, 2022 and will affect some of the information presented in this webpage. In the meantime, to learn more about the Act’s new provisions, please visit the new provisions applicable to the public automobile insurance plan and the Highway Safety Code page.

Here is a tool to help you calculate the death benefits payable by the SAAQ.

Death benefit paid to the spouse

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

Victim's age
(years)
Factor

25 or under

1.0

26

1.2

27

1.4

28

1.6

29

1.8

30

2.0

31

2.2

32

2.4

33

2.6

34

2.8

35

3.0

36

3.2

37

3.4

38

3.6

39

3.8

40

4.0

41

4.2

42

4.4

43

4.6

44

4.8

45

5.0

46

4.8

47

4.6

48

4.4

49

4.2

50

4.0

51

3.8

52

3.6

53

3.4

54

3.2

55

3.0

56

2.8

57

2.6

58

2.4

59

2.2

60

2.0

61

1.8

62

1.6

63

1.4

64

1.2

65 or over

1.0

Death benefit paid to a spouse who is disabled

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

Victim's age
(years)
Factor

45 or under

5.0

46

4.8

47

4.6

48

4.4

49

4.2

50

4.0

51

3.8

52

3.6

53

3.4

54

3.2

55

3.0

56

2.8

57

2.6

58

2.4

59

2.2

60

2.0

61

1.8

62

1.6

63

1.4

64

1.2

65 or over

1.0

Death benefit paid to dependants

The amount of the death benefit is calculated based on the dependant'sA 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. age at the time of the victim's death.

Dependant's
age (years)
Amount of
the benefit

under age 1

$66,363

1

$64,467

2

$62,570

3

$60,673

4

$58,775

5

$56,880

6

$54,988

7

$53,089

8

$51,194

9

$49,302

10

$47,401

11

$45,507

12

$43,610

13

$41,715

14

$39,819

15

$37,924

16 or over

$36,022

Last update: June 27, 2022