Table of Death Benefits
for 2017
Please note:
Though “estate” is the more common term, “succession” is used in this table,
as it is the term used in Québec legislation.
For accidents and deaths occurring between
January 1 and December 31, 2017
Lump-sum death benefit
For an accident victim without a spouse or dependants
In the case of an accident victim who leaves no spouse or dependants, $55,386
is paid, in equal shares, to the mother and father if the victim was a minor
at the time of death, or to the succession if the victim was of full age.
Paid to the surviving spouse
The lump-sum death benefit paid to the accident victim’s surviving spouse
is established on the basis of the victim’s gross income multiplied by a factor
varying between 1 and 5, according to age. The maximum qualifying gross
income is $72,500. In no case shall the benefit be less than $69,102 or higher
than $362,500.
For example:
The surviving spouse of an accident 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).
Lump-sum death benefit
Accident victim’s
age (yrs.)
Factor
Accident victim’s
age (yrs.)
Factor
Accident victim’s
age (yrs.)
Factor
25 or younger 1,0
261,2
271,4
281,6
291,8
302,0
312,2
322,4
332,6
342,8
353,0
363,2
373,4
383,6
393,8
404,0
414,2
424,4
434,6
444,8
455,0
464,8
474,6
484,4
494,2
504,0
513,8
523,6
533,4
543,2
553,0
562,8
572,6
582,4
592,2
602,0
611,8
621,6
631,4
641,2
65 or older
1,0
Paid to a disabled surviving spouse
The lump sum paid to a surviving spouse who is disabled is established according to
the accident victim’s age at the time of death, as follows:
Accident victim’s
age (yrs.)
Factor
Accident victim’s
age (yrs.)
Factor
Accident victim’s
age (yrs.)
Factor
45 or younger 5,0
464,8
474,6
484,4
494,2
504,0
513,8
523,6
533,4
543,2
553,0
562,8
572,6
582,4
592,2
602,0
611,8
621,6
631,4
641,2
65 or older
1,0
Paid to dependants
Each of an accident victim’s dependants, 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, as follows:
Dependant’sAmount
age (yrs.)
of benefit
Dependant’sAmount
age (yrs.)
of benefit
Less than 1 year
$60,466
1$58,739
2$57,011
3$55,282
4$53,553
5$51,828
6$50,102
7$48,372
8$46,645
9$44,922
10$43,190
11$41,464
12$39,735
13$38,009
14$36,281
15$34,554
16 or older $32,822
• If a dependant other than the spouse is disabled at the time of the accident
victim’s death, he or she is entitled to an additional lump-sum benefit of $28,504.
• 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
• $5,178 is paid to the accident victim’s succession.
Availability allowance
If the accident victim was hospitalized and survived the accident for some time,
members of the immediate family are entitled to an availability allowance if
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 on a yearly basis.
To receive your copy of the updated Compensation Table, available at the beginning
of each year, please write to:
Direction des communications
Société de l’assurance automobile du Québec
C. P. 19600
333, boulevard Jean-Lesage
Québec (Québec) G1K 8J6
Note: This folder is not a text of law. For questions of a legal nature, please refer to
the Automobile Insurance Act and attendant regulations.
Compensation Table for 2017
For accidents occuring or expenses incurred between
January 1 and December 31, 2017
Compensation
benefits
Amounts
Income replacement
indemnity1
• 90% of the net income computed
on the basis of a gross annual income
not exceeding $72,500
Care allowance
Weekly amount:
• $432 for 1 person
• $485 for 2 people
• $535 for 3 people
• $589 for 4 or more people
Lump-sum indemnity
for students2
• $5,178 per school year lost
at the elementary level
• $9,502 per school year lost
at the secondary level
• $9,502 per term lost at the postsecondary
level, up to $19,004 per year
Lump-sum indemnity for
a diminished quality of life
• $242,311 maximum3
When accident victims who already receive an income replacement indemnity reach
age 65, the indemnity is reduced by 25% on that day, by 50% on their 66th birthday,
by 75% on their 67th birthday and ceases being paid altogether on their 68th birthday.
1
Starting on the scheduled date for the end of studies, students may be entitled to receive an
indemnity based on $43,970, which corresponds to the average earnings of Québec workers
for the year in progress.
2
The maximum amount is paid, for example, in the case of a vegetative coma.
C-6313-A (17-01)
3
Type
of expenses
Amounts
Travel expenses
To receive care or undergo treatment:
• private vehicle: $0.145/km
• public transit: amount paid
• taxi: expenses incurred when public transit
does not serve the route to be taken or when
the victim’s medical condition does not allow
it to be used
Meals
• $8.75 maximum for breakfast
• $12 maximum for lunch
• $18.05 maximum for supper
Care expenses
Weekly maximum:
• $131 for 1 person
• $172 for 2 people
• $220 for 3 people
• $260 for 4 or more people
Home care expenses
• $865 maximum per week for an accident victim
whose state of health requires continuous care
Availability
allowance
• $35 maximum for availability of 4 hours or less
• $70 maximum for availability of more than 4 hours
Clothing
• $400 maximum for dry-cleaning, repair or
replacement of clothing
• $1,000 maximum for leather clothing or a helmet
worn in a motorcycle accident
Prescribed
contact lenses
• $110 maximum1
Prescribed
eyeglasses
• $100 maximum for frames
• Actual cost of lenses
Possibility of receiving a maximum reimbursement of $300, under certain conditions.
1
Type
of expenses
Amounts
Medical reports
•
•
•
•
Professional fees
• $55 maximum per prescribed physiotherapy
treatment
• $31 maximum per prescribed chiropractic
treatment
• $26 maximum per prescribed acupuncture
treatment
• $86.60 maximum per prescribed psychotherapy
treatment
• For fees of other professionals, call our
information line
Substitute labour
costs in a family
business
• Weekly maximum of $863 with supporting
documents for the first 180 days
Medication
• Automated reimbursement at the pharmacy;
or
• Determined on presentation of bills or receipts
to the SAAQ
Prostheses,
orthoses, etc.
• Determined on presentation of bills
or receipts, up to the maximum amount
provided for by regulation
$25 maximum for an Initial Medical Report
$70 maximum for a Medical Assessment Report
$70 maximum for a Medical Progress Report
$65 maximum for a Medical Aftereffects Report
The SAAQ indexes the amount of most compensation benefits on a yearly basis.
To receive your copy of the updated Compensation Table, available at the beginning
of each year, please write to:
Direction des communications
Société de l’assurance automobile du Québec
C. P. 19600
333, boulevard Jean-Lesage
Québec (Québec) G1K 8J6
Note: This folder is not a text of law. For questions of a legal nature, please refer to
the Automobile Insurance Act and attendant regulations.
Original text in French.