The income replacement indemnity paid by the SAAQ compensates the income lost by a person who can no longer work as a result of a traffic accident.
You have a maximum of 3 years as of the date of the accident to file a compensation claim to the SAAQ.
The income replacement indemnity is an amount paid to a person who can no longer work as a result of a traffic accident.
The income replacement indemnity is calculated on the basis of the employment the person held at the time of the accident.
It represents 90% of the person's net annual income, up to a maximum indemnity of $72,500. The maximum amount of the indemnity is indexed every year.
No income replacement indemnity is paid for the first 7 days that follow the accident. After this period, it is paid every 14 days.
If you are convicted of an offence under the Highway Safety Code or the Criminal Code, the SAAQ may reduce the amount of certain indemnities.
The income replacement indemnity you receive will be re-evaluated 6 months after the accident. At that time, it will be calculated on the basis of full-time employment.
As of the 181st day after the accident, if you are still unable to work, we will begin payment of an income replacement indemnity based on potential employment, i.e., employment that you could have held.
The income replacement indemnity is paid for as long as we determine that you are unable to work. Starting at age 65, however, the indemnity will be reduced by 25% every year and will end completely at age 68.
Your income replacement indemnity will be reduced by 25% as of the 2nd year after the accident. Payment of the indemnity ceases to be paid completely at the end of the 4th year after the accident.
The income replacement indemnity ceases to be paid at the end of the school year in which you reached the age of 16.
The income replacement indemnity ceases to be paid on the scheduled date of completion of studies at the time of the accident.
In the event of a deterioration in your state of health – on condition that this deterioration is directly related to the same traffic accident–, you may request that we reassess your case.
About income replacement indemnities…