{"id":13832,"date":"2025-06-05T00:13:56","date_gmt":"2025-06-05T05:13:56","guid":{"rendered":"https:\/\/twinn.ca\/?p=13832"},"modified":"2025-10-13T12:52:11","modified_gmt":"2025-10-13T17:52:11","slug":"assurance-invalidite","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/assurance-invalidite\/","title":{"rendered":"L\u2019assurance invalidit\u00e9 collective : comment \u00e7a fonctionne?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Quand un employ\u00e9 tombe malade ou se blesse de mani\u00e8re impr\u00e9vue, la derni\u00e8re chose dont il devrait se pr\u00e9occuper, c\u2019est de savoir comment il paiera ses factures. C\u2019est l\u00e0 que l\u2019assurance invalidit\u00e9 entre en jeu. Qu\u2019il s\u2019agisse de quelques semaines de repos apr\u00e8s une op\u00e9ration ou d\u2019un cong\u00e9 prolong\u00e9 en raison d\u2019un probl\u00e8me de sant\u00e9 chronique, la couverture invalidit\u00e9 prot\u00e8ge \u00e0 la fois le revenu et la tranquillit\u00e9 d\u2019esprit. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, on vous explique comment fonctionnent l\u2019assurance invalidit\u00e9, quelles sont les obligations de l&#8217;employeurs, et comment concevoir un r\u00e9gime qui soutient \u00e0 la fois les personnes et la productivit\u00e9.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13832_ea9819-f9{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13832_ea9819-f9 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13832_ea9819-f9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13832_ea9819-f9 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13832_ea9819-f9{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id13832_ea9819-f9 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id13832_ea9819-f9{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);border-top:4px double var(--global-palette1, #3182CE);border-right:4px double 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.kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13832_ea9819-f9{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13832_ea9819-f9 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13832_f4c681-c0 > .kt-inside-inner-col,.kadence-column13832_f4c681-c0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13832_f4c681-c0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_f4c681-c0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13832_f4c681-c0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13832_f4c681-c0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_f4c681-c0{position:relative;}@media all and (max-width: 1024px){.kadence-column13832_f4c681-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13832_f4c681-c0 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_f4c681-c0\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9, .wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9[data-kb-block=\"kb-adv-heading13832_f9eac9-c9\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9[data-kb-block=\"kb-adv-heading13832_f9eac9-c9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9[data-kb-block=\"kb-adv-heading13832_f9eac9-c9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9, .wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9[data-kb-block=\"kb-adv-heading13832_f9eac9-c9\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9, .wp-block-kadence-advancedheading.kt-adv-heading13832_f9eac9-c9[data-kb-block=\"kb-adv-heading13832_f9eac9-c9\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading13832_f9eac9-c9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13832_f9eac9-c9\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_f0a33a-f3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_f0a33a-f3 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_f0a33a-f3 ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items13832_f0a33a-f3 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13832_f0a33a-f3 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13832_92d0f5-da .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13832_92d0f5-da .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_92d0f5-da\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L\u2019assurance invalidit\u00e9 est un pilier pour prot\u00e9ger le revenu des employ\u00e9s et maintenir la productivit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_c84e8c-a8 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13832_c84e8c-a8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_c84e8c-a8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L\u2019assurance de courte dur\u00e9e et celle de longue dur\u00e9e ont chacune un r\u00f4le distinct et compl\u00e9mentaire dans un r\u00e9gime collectif.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_29008f-a8 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13832_29008f-a8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_29008f-a8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Un bon r\u00e9gime est adapt\u00e9 aux risques r\u00e9els, aux besoins et aux types de postes de votre \u00e9quipe.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_6ea4e2-c3 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13832_6ea4e2-c3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_6ea4e2-c3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Une communication claire et une conformit\u00e9 juridique, en particulier entre les provinces, sont essentielles pour une mise en place r\u00e9ussie.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-disability-insurance\">Qu\u2019est-ce que l\u2019assurance invalidit\u00e9 ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de plonger dans les d\u00e9tails de la conception d\u2019un r\u00e9gime ou des diff\u00e9rentes options de couverture, il faut d\u2019abord comprendre ce que couvre r\u00e9ellement l\u2019assurance invalidit\u00e9, quel est son r\u00f4le dans une strat\u00e9gie d\u2019assurance collective, et pourquoi elle est devenue indispensable dans le monde du travail d\u2019aujourd\u2019hui.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commen\u00e7ons par d\u00e9finir ce qu\u2019est l\u2019assurance invalidit\u00e9 pour les employ\u00e9s. En milieu de travail, l\u2019assurance invalidit\u00e9 est une <span style=\"text-decoration: underline;\">sorte d\u2019assurance collective<\/span> qui remplace une partie du revenu d\u2019un employ\u00e9 lorsqu\u2019il ne peut plus travailler \u00e0 cause d\u2019une maladie ou d\u2019une blessure. Selon le r\u00e9gime, cela peut inclure une couverture de courte dur\u00e9e pour des situations temporaires, ou une assurance de longue dur\u00e9e pour des conditions plus graves ou persistantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ce n\u2019est pas <\/em>une couverture pour les frais m\u00e9dicaux, \u00e7a, c\u2019est le r\u00f4le de l\u2019<span style=\"text-decoration: underline;\">assurance sant\u00e9 collective<\/span>. Cette protection intervient quand la capacit\u00e9 de gagner un revenu est compromise. C\u2019est pourquoi elle joue un r\u00f4le cl\u00e9 dans tout r\u00e9gime collectif \u00e9quilibr\u00e9.<\/p>\n\n\n<style>.kb-image13832_37882b-7d .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13832_37882b-7d size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/team-working-person-on-disability-insurance.webp\" alt=\"une \u00e9quipe travaillant au bureau avec une personne utilisant l\u2019assurance invalidit\u00e9 pour employ\u00e9\" class=\"kb-img wp-image-13718\" title=\"une \u00e9quipe travaillant au bureau avec une personne utilisant l\u2019assurance invalidit\u00e9 pour employ\u00e9\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/team-working-person-on-disability-insurance.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/team-working-person-on-disability-insurance-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/team-working-person-on-disability-insurance-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"short-term-vs-long-term\">Invalidit\u00e9 de courte dur\u00e9e vs longue dur\u00e9e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une assurance d&rsquo;incapacit\u00e9 de travail se divise g\u00e9n\u00e9ralement en deux grandes cat\u00e9gories :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Qu\u2019est-ce que l\u2019assurance invalidit\u00e9 de courte dur\u00e9e<\/strong>? L\u2019assurance invalidit\u00e9 de courte dur\u00e9e couvre les absences de quelques semaines \u00e0 plusieurs mois.<\/li>\n\n\n\n<li><strong>Qu\u2019est-ce que l\u2019assurance invalidit\u00e9 de longue dur\u00e9e<\/strong>? L\u2019assurance invalidit\u00e9 de longue dur\u00e9e entre en vigueur lorsque l\u2019\u00e9tat d\u2019un employ\u00e9 est plus grave ou plus prolong\u00e9.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un tableau r\u00e9capitulatif :<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><table><thead><tr><th><strong>Type<\/strong><\/th><th><strong>P\u00e9riode de couverture<\/strong><\/th><th><strong>P\u00e9riode d\u2019attente typique<\/strong><\/th><th><strong>Remplacement du revenu<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Invalidit\u00e9 de courte dur\u00e9e<\/td><td>Jusqu\u2019\u00e0 6 mois<\/td><td>0 \u00e0 14 jours<\/td><td>~60 \u00e0 70% du salaire<\/td><\/tr><tr><td>Invalidit\u00e9 de longue dur\u00e9e<\/td><td>2+ ans (ou jusqu\u2019\u00e0 la retraite)<\/td><td>90 \u00e0 180 jours<\/td><td>~60 \u00e0 66% du salaire<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-offer-disability-insurance\">Pourquoi offrir une assurance invalidit\u00e9 ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mettre en place une assurance d&rsquo;incapacit\u00e9 de travail favorise une \u00e9quipe plus r\u00e9siliente et engag\u00e9e. Lorsqu\u2019un employ\u00e9 sait qu\u2019il pourra compter sur un soutien financier en p\u00e9riode difficile, il se sent plus en s\u00e9curit\u00e9\u2026 et plus loyal envers son employeur. Voici quelques impacts cl\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Moins de stress financier pendant la convalescence\u202f:<\/strong> Selon <a href=\"https:\/\/www.sunlife.ca\/fr\/offre\/comment-se-preparer-aux-risques-financiers-lies-a-une-invalidite\/\" data-type=\"link\" data-id=\"https:\/\/www.sunlife.ca\/fr\/offre\/comment-se-preparer-aux-risques-financiers-lies-a-une-invalidite\/\" target=\"_blank\" rel=\"noopener\">Sun\u202fLife<\/a>, \u00ab\u202fpr\u00e8s de la moiti\u00e9 des personnes touch\u00e9es par une invalidit\u00e9 auront de la difficult\u00e9 \u00e0 respecter leurs obligations financi\u00e8res\u202f\u00bb. En d\u2019autres termes, l\u2019assurance invalidit\u00e9 devient cruciale pour \u00e9viter l\u2019\u00e9puisement des finances personnelles lors d\u2019une p\u00e9riode d\u2019arr\u00eat de travail.<\/li>\n\n\n\n<li><strong>Moins de pertes de productivit\u00e9 :<\/strong> Selon une <a href=\"https:\/\/www.mercer.com\/fr-ca\/insights\/total-rewards\/employee-wellbeing\/how-much-are-you-losing-to-absenteeism\/\" data-type=\"link\" data-id=\"https:\/\/www.mercer.com\/fr-ca\/insights\/total-rewards\/employee-wellbeing\/how-much-are-you-losing-to-absenteeism\/\" target=\"_blank\" rel=\"noopener\">analyse de Mercer<\/a>, les absences des employ\u00e9s co\u00fbtent en moyenne 2 000 $ par employ\u00e9 chaque ann\u00e9e, en tenant compte des co\u00fbts directs et indirects. Ces absences, qu\u2019elles soient li\u00e9es \u00e0 une invalidit\u00e9, \u00e0 un probl\u00e8me de sant\u00e9 mentale ou \u00e0 d\u2019autres raisons, peuvent avoir un impact important sur la productivit\u00e9, la charge de travail des coll\u00e8gues et les r\u00e9sultats de l\u2019entreprise.<\/li>\n\n\n\n<li><strong>Un soutien financier majeur :<\/strong> En 2023, les assureurs vie et sant\u00e9 du Canada ont vers\u00e9 9,5 milliards de dollars en prestations d\u2019invalidit\u00e9,<a href=\"http:\/\/chrome-extension:\/\/efaidnbmnnnibpcajpcglclefindmkaj\/https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/resources\/Factbook_2\/$file\/FACT+BOOK+2023+FRENCH.pdf\"> aidant plus de 12 millions de personnes.<\/a> Ce chiffre montre l\u2019ampleur et l\u2019importance de prot\u00e9ger les revenus des employ\u00e9s en cas de maladie ou de blessure.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En agissant en amont, l\u2019assurance invalidit\u00e9 soutient non seulement les individus, mais renforce aussi la stabilit\u00e9 et l\u2019efficacit\u00e9 globale de l\u2019entreprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-does-employee-life-insurance-work\">Comment fonctionne l\u2019assurance invalidit\u00e9 ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un aper\u00e7u simple du fonctionnement typique :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Un employ\u00e9 devient incapable de travailler<\/strong> : Cela peut \u00eatre d\u00fb \u00e0 une blessure, une op\u00e9ration, une maladie chronique ou un trouble de sant\u00e9 mentale qui l\u2019emp\u00eache d\u2019exercer ses fonctions.<\/li>\n\n\n\n<li><strong>L\u2019invalidit\u00e9 est d\u00e9clar\u00e9e \u00e0 l\u2019assureur :<\/strong> L\u2019employ\u00e9, souvent avec l\u2019aide des RH, soumet une demande accompagn\u00e9e de documents m\u00e9dicaux.<\/li>\n\n\n\n<li><strong>Un d\u00e9lai d\u2019attente s\u2019applique<\/strong> : Selon le r\u00e9gime, un d\u00e9lai (appel\u00e9 \u00ab p\u00e9riode d\u2019attente \u00bb) pr\u00e9c\u00e8de les versements. Pour l\u2019assurance de courte dur\u00e9e, ce d\u00e9lai est g\u00e9n\u00e9ralement de quelques jours; pour la longue dur\u00e9e, de plusieurs semaines \u00e0 quelques mois.<\/li>\n\n\n\n<li><strong>L\u2019employ\u00e9 re\u00e7oit un remplacement du revenu<\/strong> : Une fois la demande approuv\u00e9e, l\u2019employ\u00e9 re\u00e7oit un pourcentage de son salaire r\u00e9gulier, habituellement entre 60 % et 70 %.<\/li>\n\n\n\n<li><strong>La couverture d\u00e9pend du type :<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>L\u2019assurance invalidit\u00e9 de courte dur\u00e9e<\/strong> couvre g\u00e9n\u00e9ralement les absences allant jusqu\u2019\u00e0 17 semaines et est utilis\u00e9e pour des conditions temporaires (p. ex. r\u00e9tablissement postop\u00e9ratoire, cong\u00e9 pour sant\u00e9 mentale, etc.).<\/li>\n\n\n\n<li><strong>L\u2019assurance invalidit\u00e9 de longue dur\u00e9e<\/strong> entre en vigueur apr\u00e8s la fin de la couverture de courte dur\u00e9e ou apr\u00e8s la p\u00e9riode de carence, et soutient les employ\u00e9s ayant une d\u00e9ficience prolong\u00e9e ou permanente.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Des services de soutien peuvent \u00eatre inclus<\/strong> : Certains r\u00e9gimes offrent une aide au retour au travail, des programmes de r\u00e9adaptation ou des options d\u2019invalidit\u00e9 partielle pour faciliter une reprise progressive.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Ce type de couverture offre une stabilit\u00e9 financi\u00e8re essentielle aux employ\u00e9s, tout en permettant aux entreprises de mieux planifier et de limiter les perturbations.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"who-is-eligible-for-group-life-insurance-coverage\">Qui est admissible \u00e0 l\u2019assurance invalidit\u00e9 collective ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019admissibilit\u00e9 d\u00e9pend de la structure du r\u00e9gime offert par l\u2019employeur, mais certaines r\u00e8gles sont assez constantes :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_294f9b-69:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_294f9b-69 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_294f9b-69 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_294f9b-69 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13832_294f9b-69 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13832_294f9b-69 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13832_44cc35-9e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_44cc35-9e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Statut d\u2019emploi<\/strong> : Les employ\u00e9s permanents \u00e0 temps plein sont g\u00e9n\u00e9ralement couverts.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_5a8c50-c8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_5a8c50-c8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>P\u00e9riode d\u2019attente<\/strong> : Les nouveaux employ\u00e9s peuvent devoir terminer une p\u00e9riode de probation (p. ex., 3 mois) avant le d\u00e9but de la couverture.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_1c012c-b4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_1c012c-b4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>T\u00e2ches<\/strong> : Certains r\u00e9gimes lient l\u2019admissibilit\u00e9 \u00e0 des r\u00f4les pr\u00e9cis ou \u00e0 des niveaux de risque.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Si votre organisation offre d\u00e9j\u00e0 une assurance maladie collective ou <span style=\"text-decoration: underline;\">une assurance vie des employ\u00e9s<\/span>, harmoniser les crit\u00e8res d\u2019admissibilit\u00e9 simplifie l\u2019administration et assure l\u2019\u00e9quit\u00e9 entre les employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13832_b546c5-7d{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13832_b546c5-7d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13832_b546c5-7d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13832_b546c5-7d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px 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.kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13832_7b6384-6a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_7b6384-6a > .kt-inside-inner-col{flex-direction:column;}.kadence-column13832_7b6384-6a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13832_7b6384-6a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_7b6384-6a{position:relative;}@media all and (max-width: 1024px){.kadence-column13832_7b6384-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13832_7b6384-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_7b6384-6a\"><div class=\"kt-inside-inner-col\"><style>.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column13832_b27d2a-9f{--kb-section-setting-offset:90px;}.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13832_b27d2a-9f > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13832_b27d2a-9f{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b27d2a-9f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13832_b27d2a-9f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_b27d2a-9f{text-align:left;}.kadence-column13832_b27d2a-9f{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13832_b27d2a-9f{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b27d2a-9f{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13832_b27d2a-9f{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b27d2a-9f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13832_b27d2a-9f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_b27d2a-9f kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64, .wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64[data-kb-block=\"kb-adv-heading13832_1f4e79-64\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64[data-kb-block=\"kb-adv-heading13832_1f4e79-64\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64[data-kb-block=\"kb-adv-heading13832_1f4e79-64\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64, .wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64[data-kb-block=\"kb-adv-heading13832_1f4e79-64\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64, .wp-block-kadence-advancedheading.kt-adv-heading13832_1f4e79-64[data-kb-block=\"kb-adv-heading13832_1f4e79-64\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13832_1f4e79-64 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13832_1f4e79-64\">Besoin d\u2019un r\u00e9gime d\u2019assurance invalidit\u00e9 ? <\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c, .wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c[data-kb-block=\"kb-adv-heading13832_099c96-4c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c[data-kb-block=\"kb-adv-heading13832_099c96-4c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c[data-kb-block=\"kb-adv-heading13832_099c96-4c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c, .wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c[data-kb-block=\"kb-adv-heading13832_099c96-4c\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c, .wp-block-kadence-advancedheading.kt-adv-heading13832_099c96-4c[data-kb-block=\"kb-adv-heading13832_099c96-4c\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13832_099c96-4c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13832_099c96-4c\">Collaborez avec nous pour b\u00e2tir un r\u00e9gime qui prot\u00e8ge \u00e0 la fois vos employ\u00e9s et votre rentabilit\u00e9. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13832_1358b5-49 > .kt-inside-inner-col{display:flex;}.kadence-column13832_1358b5-49 > .kt-inside-inner-col,.kadence-column13832_1358b5-49 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13832_1358b5-49 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_1358b5-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13832_1358b5-49 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13832_1358b5-49{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_1358b5-49{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_1358b5-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13832_1358b5-49 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_1358b5-49{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13832_1358b5-49{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_1358b5-49{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_1358b5-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column13832_1358b5-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13832_1358b5-49{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_1358b5-49{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_1358b5-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13832_1358b5-49 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_1358b5-49\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95, .wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95, .wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95, .wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13832_310e1a-95[data-kb-block=\"kb-adv-heading13832_310e1a-95\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13832_310e1a-95 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13832_310e1a-95\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous pour une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns13832_ad778b-5a{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns13832_ad778b-5a .kt-button{font-weight:normal;font-style:normal;}.kt-btns13832_ad778b-5a .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns13832_ad778b-5a .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns13832_ad778b-5a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13832_ad778b-5a .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns13832_ad778b-5a .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns13832_ad778b-5a .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13832_ad778b-5a .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns13832_ad778b-5a{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns13832_ad778b-5a{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13832_ad778b-5a\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13832_b6beb3-ed.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13832_b6beb3-ed.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13832_b6beb3-ed kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"plan-design-for-disability-insurance\"><strong>Conception du r\u00e9gime<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un bon r\u00e9gime d\u2019assurance invalidit\u00e9 ne se limite pas aux montants de couverture. Il doit anticiper les vrais d\u00e9fis que vos employ\u00e9s pourraient rencontrer et leur expliquer clairement comment et quand ils peuvent b\u00e9n\u00e9ficier du soutien. Voici les \u00e9l\u00e9ments \u00e0 consid\u00e9rer pour un r\u00e9gime clair, conforme et efficace. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-employer-vs-employee-contributions\">1. Cotisation de l\u2019employeur vs. de l\u2019employ\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Qui paie l\u2019assurance invalidit\u00e9? Ce n\u2019est pas juste une question budg\u00e9taire \u2014 cela influence aussi la fiscalit\u00e9 des prestations et la perception qu\u2019en ont les employ\u00e9s. <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f306d-36:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f306d-36 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f306d-36 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f306d-36 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13832_0f306d-36 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13832_0f306d-36 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13832_81b7fe-8a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_81b7fe-8a kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Si <strong>l\u2019employeur paie 100%<\/strong> de la prime, les prestations re\u00e7ues par l\u2019employ\u00e9 sont<strong> imposables.<\/strong><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_ca53ba-1b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_ca53ba-1b kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Si <strong>l\u2019employ\u00e9 paie<\/strong> la prime <strong>en utilisant l\u2019argent apr\u00e8s imp\u00f4t<\/strong>, ses prestations sont g\u00e9n\u00e9ralement <strong>libres d\u2019imp\u00f4t<\/strong>.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_5bbd57-8f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_5bbd57-8f kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">De nombreux employeurs optent pour un <strong>mod\u00e8le de partage des co\u00fbts<\/strong>, o\u00f9 les deux parties contribuent. Cela permet de contr\u00f4ler les co\u00fbts tout en donnant aux employ\u00e9s un acc\u00e8s \u00e0 une protection pr\u00e9cieuse. <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pratique exemplaire<\/strong> : Choisissez un mod\u00e8le de partage clairement<em> <\/em>expliqu\u00e9 d\u00e8s l\u2019embauche. Cela favorise la transparence, donne un sentiment d\u2019implication aux employ\u00e9s et \u00e9vite les mauvaises surprises au moment d\u2019une r\u00e9clamation. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-clear-eligibility-and-communication\">2. Admissibilit\u00e9 et communication claires<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un aspect souvent n\u00e9glig\u00e9 dans la conception d\u2019un plan, c\u2019est la clart\u00e9 avec laquelle le r\u00e9gime est compris par ceux qui en ont r\u00e9ellement besoin. M\u00eame le plan le plus g\u00e9n\u00e9reux ne sert \u00e0 rien si les employ\u00e9s ne savent pas ce qu\u2019il couvre ni comment y acc\u00e9der.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici ce qu\u2019il faut absolument d\u00e9finir et communiquer clairement :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_c6c85e-1e:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_c6c85e-1e ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_c6c85e-1e ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_c6c85e-1e ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13832_c6c85e-1e ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13832_c6c85e-1e kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13832_9444da-5f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_9444da-5f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Qui est admissible<\/strong> (p. ex., personnel \u00e0 temps plein apr\u00e8s 90 jours d\u2019emploi)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_1234d8-60 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_1234d8-60\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Ce qui est consid\u00e9r\u00e9 comme un handicap<\/strong>, y compris si les probl\u00e8mes de sant\u00e9 mentale sont inclus<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_4bed60-a1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_4bed60-a1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Combien de temps dure le d\u00e9lai d\u2019attente<\/strong> avant le d\u00e9but des prestations (g\u00e9n\u00e9ralement 7 jours pour les ICD et 90+ pour les ILD)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_c432ab-59 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_c432ab-59\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Comment d\u00e9poser une r\u00e9clamation<\/strong> et quels documents sont requis<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Diffusez cette information r\u00e9guli\u00e8rement et en langage clair, que ce soit via les documents d\u2019accueil, l\u2019intranet RH ou des mises \u00e0 jour p\u00e9riodiques. Ne laissez pas les employ\u00e9s devoir \u00e9plucher les petits caract\u00e8res alors qu\u2019ils sont d\u00e9j\u00e0 en difficult\u00e9. <\/p>\n\n\n<style>.kb-image13832_de9942-18 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13832_de9942-18 size-full\"><img decoding=\"async\" width=\"1000\" height=\"558\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/business-team-reviewing-disability-insurance-coverage.webp\" alt=\"\" class=\"kb-img wp-image-13720\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/business-team-reviewing-disability-insurance-coverage.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/business-team-reviewing-disability-insurance-coverage-300x167.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/business-team-reviewing-disability-insurance-coverage-768x429.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-tailor-coverage-to-your-workforce\">3. Adaptez la couverture \u00e0 votre main-d\u2019\u0153uvre<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime universel ne convient pas \u00e0 toutes les entreprises. Tenter de tout standardiser peut laisser des lacunes importantes. Ce qui <em>fonctionne<\/em> pour une start-up tech en t\u00e9l\u00e9travail n\u2019aura pas les m\u00eames r\u00e9sultats dans une usine o\u00f9 les risques physiques sont plus \u00e9lev\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un plan personnalis\u00e9 montre que vous pr\u00eatez attention aux besoins r\u00e9els, pas seulement \u00e0 la distribution d\u2019un mod\u00e8le.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Adapter les caract\u00e9ristiques du r\u00e9gime aux besoins de la main-d\u2019\u0153uvre<\/strong> : <\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table><thead><tr><th><strong>Type de main-d\u2019\u0153uvre<\/strong><\/th><th><strong>Consid\u00e9rations relatives au r\u00e9gime<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Jeunes professionnels<\/td><td>Couverture en sant\u00e9 mentale, flexibilit\u00e9 en mati\u00e8re d\u2019ICD<\/td><\/tr><tr><td>M\u00e9tiers sp\u00e9cialis\u00e9s et main-d\u2019\u0153uvre<\/td><td>P\u00e9riodes d\u2019attente plus courtes, dispositions strictes en mati\u00e8re d\u2019ILD<\/td><\/tr><tr><td>\u00c9quipes \u00e0 distance\/hybrides<\/td><td>R\u00e9clamations num\u00e9riques, canaux de communication virtuels clairs<\/td><\/tr><tr><td>Environnements \u00e0 fort roulement<\/td><td>Admissibilit\u00e9 simplifi\u00e9e, cycles de versement d\u2019ICD rapides<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-support-for-return-to-work\">4. Soutien au retour au travail<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trop souvent, l\u2019assurance invalidit\u00e9 se limite au versement des prestations. Mais l\u2019objectif n\u2019est pas juste de remplacer le revenu, c\u2019est aussi d\u2019aider les employ\u00e9s \u00e0 reprendre le travail, \u00e0 leur rythme. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les bons r\u00e9gimes incluent des services et strat\u00e9gies pour rendre cette transition plus fluide :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_76b060-28:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_76b060-28 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_76b060-28 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_76b060-28 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13832_76b060-28 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13832_76b060-28 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13832_33c4b2-60 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_33c4b2-60\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Programmes de retour progressif au travail<\/strong> avec des horaires ou t\u00e2ches adapt\u00e9s<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_c78055-67 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_c78055-67\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Services de r\u00e9adaptation<\/strong> comme la physioth\u00e9rapie, le soutien psychologique ou la formation professionnelle<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_c48912-13 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_c48912-13\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Mesures d\u2019adaptation en milieu de travail<\/strong> comme des ajustements ergonomiques ou des horaires flexibles<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_1540ec-df .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_1540ec-df\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Coordination avec les fournisseurs de soins de sant\u00e9<\/strong> pour harmoniser les plans de traitement avec les d\u00e9lais de retour<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ces mesures ne sont pas simplement des gestes bienveillants, elles r\u00e9duisent la dur\u00e9e et le co\u00fbt des r\u00e9clamations, am\u00e9liorent le moral et montrent aux employ\u00e9s qu\u2019ils sont soutenus, pas mis \u00e0 l\u2019\u00e9cart.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-compliance-and-regulatory-considerations\">5. Respect de la r\u00e9glementation <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Offrir une assurance invalidit\u00e9 dans un r\u00e9gime collectif implique de respecter une s\u00e9rie de r\u00e8gles provinciales et f\u00e9d\u00e9rales. M\u00eame si les normes d\u2019emploi sont globalement semblables \u00e0 travers le Canada, certaines diff\u00e9rences r\u00e9gionales sont importantes, et les ignorer peut co\u00fbter cher. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ce que les employeurs doivent savoir :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Partout au Canada, les lois sur les normes d\u2019emploi exigent la protection de l\u2019emploi pendant les cong\u00e9s d\u2019invalidit\u00e9 approuv\u00e9s. Les employeurs doivent s\u2019assurer que leur r\u00e9gime est conforme \u00e0 ces normes afin d\u2019\u00e9viter toute exposition juridique. <\/li>\n\n\n\n<li>Le r\u00e9gime ne doit pas \u00eatre discriminatoire : les crit\u00e8res d\u2019admissibilit\u00e9 et les prestations ne doivent pas exclure injustement selon l\u2019\u00e2ge, le type d\u2019emploi ou des conditions pr\u00e9existantes, sauf exception justifi\u00e9e et document\u00e9e.<\/li>\n\n\n\n<li>Les lois sur la vie priv\u00e9e, comme la LPRPDE (au niveau f\u00e9d\u00e9ral) et les lois provinciales, r\u00e9gissent la collecte et la conservation des donn\u00e9es m\u00e9dicales et li\u00e9es aux r\u00e9clamations.<\/li>\n\n\n\n<li>Au Qu\u00e9bec, les employeurs doivent aussi se conformer \u00e0 la Loi sur les normes du travail, et tous les documents doivent \u00eatre r\u00e9dig\u00e9s en fran\u00e7ais selon la Charte de la langue fran\u00e7aise. Le Qu\u00e9bec ayant une approche g\u00e9n\u00e9ralement plus favorable aux employ\u00e9s, la transparence documentaire est primordiale. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Peu importe que votre entreprise soit en Ontario, en Alberta ou au Qu\u00e9bec, mieux vaut consulter un conseiller en assurances collectives ou un avocat en droit du travail qui conna\u00eet bien les particularit\u00e9s r\u00e9gionales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-ongoing-review-and-adjustment\">6. Suivi et ajustements continus<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un bon r\u00e9gime n\u2019est jamais fig\u00e9. Vos protections doivent \u00e9voluer au m\u00eame rythme que votre \u00e9quipe, votre industrie et la l\u00e9gislation.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f50a5-16:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f50a5-16 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f50a5-16 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13832_0f50a5-16 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13832_0f50a5-16 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13832_0f50a5-16 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13832_808ca5-e4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_808ca5-e4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Passez en revue votre r\u00e9gime au moins une fois par ann\u00e9e<\/strong>, id\u00e9alement avec votre conseiller ou assureur<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_edfd16-5f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_edfd16-5f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Analysez les donn\u00e9es d\u2019utilisation et les r\u00e9clamations<\/strong>, pour rep\u00e9rer les tendances t\u00f4t (ex. : hausse des cong\u00e9s pour \u00e9puisement)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_6a6305-63 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_6a6305-63\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Sondez vos employ\u00e9s<\/strong> sur leur satisfaction, les points irritants et les types de couverture qui comptent le plus pour eux<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13832_c9a59a-31 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13832_c9a59a-31\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Adaptez-vous aux changements l\u00e9gislatifs<\/strong>, surtout au Qu\u00e9bec o\u00f9 certaines exigences sont sp\u00e9cifiques<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conseil<\/strong> : Profitez de la p\u00e9riode de renouvellement annuel pour poser une vraie question : est-ce que ce r\u00e9gime soutient vraiment mes objectifs en mati\u00e8re de r\u00e9tention, de mieux-\u00eatre et de gestion des risques?<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13832_475b1d-e7{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13832_475b1d-e7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13832_475b1d-e7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13832_475b1d-e7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(55% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(45% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id13832_475b1d-e7{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id13832_475b1d-e7 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id13832_475b1d-e7{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);}.kb-row-layout-id13832_475b1d-e7 > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id13832_475b1d-e7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id13832_475b1d-e7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13832_475b1d-e7 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13832_8c6826-bd > .kt-inside-inner-col,.kadence-column13832_8c6826-bd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13832_8c6826-bd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_8c6826-bd > .kt-inside-inner-col{flex-direction:column;}.kadence-column13832_8c6826-bd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13832_8c6826-bd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_8c6826-bd{position:relative;}@media all and (max-width: 1024px){.kadence-column13832_8c6826-bd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13832_8c6826-bd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_8c6826-bd\"><div class=\"kt-inside-inner-col\"><style>.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column13832_ad0c8e-12{--kb-section-setting-offset:90px;}.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13832_ad0c8e-12{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_ad0c8e-12{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_ad0c8e-12{text-align:left;}.kadence-column13832_ad0c8e-12{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13832_ad0c8e-12{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_ad0c8e-12{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13832_ad0c8e-12{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_ad0c8e-12{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13832_ad0c8e-12 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_ad0c8e-12 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03, .wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03[data-kb-block=\"kb-adv-heading13832_307fcf-03\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03[data-kb-block=\"kb-adv-heading13832_307fcf-03\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03[data-kb-block=\"kb-adv-heading13832_307fcf-03\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03, .wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03[data-kb-block=\"kb-adv-heading13832_307fcf-03\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03, .wp-block-kadence-advancedheading.kt-adv-heading13832_307fcf-03[data-kb-block=\"kb-adv-heading13832_307fcf-03\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13832_307fcf-03 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13832_307fcf-03\">Besoin d\u2019un r\u00e9gime d\u2019assurance invalidit\u00e9 ? <\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6, .wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6[data-kb-block=\"kb-adv-heading13832_d86dfc-a6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6[data-kb-block=\"kb-adv-heading13832_d86dfc-a6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6[data-kb-block=\"kb-adv-heading13832_d86dfc-a6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6, .wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6[data-kb-block=\"kb-adv-heading13832_d86dfc-a6\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6, .wp-block-kadence-advancedheading.kt-adv-heading13832_d86dfc-a6[data-kb-block=\"kb-adv-heading13832_d86dfc-a6\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13832_d86dfc-a6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13832_d86dfc-a6\">Collaborez avec nous pour b\u00e2tir un r\u00e9gime qui prot\u00e8ge \u00e0 la fois vos employ\u00e9s et votre rentabilit\u00e9. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13832_b9672b-5a > .kt-inside-inner-col{display:flex;}.kadence-column13832_b9672b-5a > .kt-inside-inner-col,.kadence-column13832_b9672b-5a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13832_b9672b-5a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_b9672b-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13832_b9672b-5a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13832_b9672b-5a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b9672b-5a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b9672b-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13832_b9672b-5a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_b9672b-5a{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13832_b9672b-5a{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b9672b-5a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b9672b-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column13832_b9672b-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13832_b9672b-5a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b9672b-5a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13832_b9672b-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13832_b9672b-5a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_b9672b-5a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7, .wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7, .wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7, .wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13832_c2563c-c7[data-kb-block=\"kb-adv-heading13832_c2563c-c7\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13832_c2563c-c7 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13832_c2563c-c7\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous pour une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns13832_668db4-d7{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns13832_668db4-d7 .kt-button{font-weight:normal;font-style:normal;}.kt-btns13832_668db4-d7 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns13832_668db4-d7 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns13832_668db4-d7 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13832_668db4-d7 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns13832_668db4-d7 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns13832_668db4-d7 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13832_668db4-d7 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns13832_668db4-d7{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns13832_668db4-d7{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13832_668db4-d7\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13832_3de1f2-5a.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13832_3de1f2-5a.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13832_3de1f2-5a kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En bref, <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance invalidit\u00e9 est essentielle pour soutenir les employ\u00e9s durant les p\u00e9riodes de maladie ou d\u2019accident qui mettent leur revenu en p\u00e9ril. Un bon r\u00e9gime, con\u00e7u en fonction des risques et besoins r\u00e9els de votre \u00e9quipe, assure une continuit\u00e9 autant pour l\u2019individu que pour l\u2019organisation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est le genre d\u2019avantage que les employ\u00e9s n\u2019oublient pas, surtout quand ils traversent une convalescence, un \u00e9puisement professionnel ou un diagnostic s\u00e9rieux. C\u2019est \u00e0 ces moments-l\u00e0 qu\u2019un vrai soutien fait <em>toute la diff\u00e9rence.<\/em><\/p>\n\n\n<style>.kb-row-layout-id13832_f0634b-8f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13832_f0634b-8f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13832_f0634b-8f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13832_f0634b-8f > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id13832_f0634b-8f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id13832_f0634b-8f > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-id13832_f0634b-8f .kt-blocks-accordion-header {box-shadow: 3px 3px 0 0 #000;margin-bottom: 5px;}.kb-row-layout-id13832_f0634b-8f .kt-blocks-accordion-header:is(:hover, :focus, :active) {box-shadow: 3px 3px 0 0 #000;}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13832_f0634b-8f alignnone sb-rewind-palette wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13832_9f8d39-95 > .kt-inside-inner-col,.kadence-column13832_9f8d39-95 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13832_9f8d39-95 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_9f8d39-95 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13832_9f8d39-95 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13832_9f8d39-95 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_9f8d39-95, .kadence-column13832_9f8d39-95 h1, .kadence-column13832_9f8d39-95 h2, .kadence-column13832_9f8d39-95 h3, .kadence-column13832_9f8d39-95 h4, .kadence-column13832_9f8d39-95 h5, .kadence-column13832_9f8d39-95 h6{color:var(--global-palette3, #1A202C);}.kadence-column13832_9f8d39-95{position:relative;}@media all and (max-width: 1024px){.kadence-column13832_9f8d39-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13832_9f8d39-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_9f8d39-95 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13832_939d6a-4b, .wp-block-kadence-advancedheading.kt-adv-heading13832_939d6a-4b[data-kb-block=\"kb-adv-heading13832_939d6a-4b\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13832_939d6a-4b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13832_939d6a-4b[data-kb-block=\"kb-adv-heading13832_939d6a-4b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading13832_939d6a-4b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13832_939d6a-4b[data-kb-block=\"kb-adv-heading13832_939d6a-4b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading13832_939d6a-4b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13832_939d6a-4b\">Des questions? Nous avons des r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les r\u00e9ponses aux questions les plus fr\u00e9quentes sur l\u2019assurance invalidit\u00e9 :<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column13832_c091e6-ca > .kt-inside-inner-col,.kadence-column13832_c091e6-ca > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13832_c091e6-ca > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13832_c091e6-ca > .kt-inside-inner-col{flex-direction:column;}.kadence-column13832_c091e6-ca > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13832_c091e6-ca > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13832_c091e6-ca{position:relative;}@media all and (max-width: 1024px){.kadence-column13832_c091e6-ca > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13832_c091e6-ca > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13832_c091e6-ca inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-3b2830e0 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/assurance-invalidite\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Peut-on offrir une assurance invalidit\u00e9 sans assurance vie ou sant\u00e9?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Techniquement, oui. Mais la plupart des employeurs l\u2019incluent dans une strat\u00e9gie d\u2019assurance collective plus compl\u00e8te, qui comprend aussi l\u2019assurance maladie collective et l\u2019assurance vie des employ\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les prestations d\u2019invalidit\u00e9 sont-elles coordonn\u00e9es avec l\u2019assurance-emploi (AE) ou la CNESST?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Pour l\u2019invalidit\u00e9 de courte dur\u00e9e, plusieurs employeurs offrent des prestations suppl\u00e9mentaires qui s\u2019ajoutent \u00e0 l\u2019assurance-emploi ou \u00e0 l\u2019indemnisation de la CNESST en cas de blessure li\u00e9e au travail.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Combien de temps dure g\u00e9n\u00e9ralement la couverture en invalidit\u00e9 de longue dur\u00e9e?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00c7a d\u00e9pend. Certains r\u00e9gimes se terminent apr\u00e8s deux ans, d\u2019autres se prolongent jusqu\u2019\u00e0 65 ans. La dur\u00e9e de la couverture devrait correspondre aux besoins \u00e0 long terme de votre personnel.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>La couverture d\u2019invalidit\u00e9 inclut-elle les troubles de sant\u00e9 mentale?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les bons r\u00e9gimes couvrent de plus en plus les troubles psychologiques comme la d\u00e9pression ou l\u2019anxi\u00e9t\u00e9, tant que la documentation m\u00e9dicale appropri\u00e9e est fournie.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les primes d\u2019assurance invalidit\u00e9 sont-elles imposables?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Les primes d\u2019assurance invalidit\u00e9 ne sont pas consid\u00e9r\u00e9es comme un avantage imposable au Canada, qu\u2019elles soient pay\u00e9es par l\u2019employeur ou l\u2019employ\u00e9. Cela s\u2019applique \u00e0 la fois \u00e0 l\u2019assurance invalidit\u00e9 de courte et de longue dur\u00e9e.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-0894b012\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Peut-on offrir une assurance invalidit\u00e9 sans assurance vie ou sant\u00e9?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Techniquement, oui. Mais la plupart des employeurs l\u2019incluent dans une strat\u00e9gie d\u2019assurance collective plus compl\u00e8te, qui comprend aussi l\u2019assurance maladie collective et l\u2019assurance vie des employ\u00e9s.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-497d45d7\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Les prestations d\u2019invalidit\u00e9 sont-elles coordonn\u00e9es avec l\u2019assurance-emploi (AE) ou la CNESST?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Pour l\u2019invalidit\u00e9 de courte dur\u00e9e, plusieurs employeurs offrent des prestations suppl\u00e9mentaires qui s\u2019ajoutent \u00e0 l\u2019assurance-emploi ou \u00e0 l\u2019indemnisation de la CNESST en cas de blessure li\u00e9e au travail.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-453c79c6\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Combien de temps dure g\u00e9n\u00e9ralement la couverture en invalidit\u00e9 de longue dur\u00e9e?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>\u00c7a d\u00e9pend. Certains r\u00e9gimes se terminent apr\u00e8s deux ans, d\u2019autres se prolongent jusqu\u2019\u00e0 65 ans. La dur\u00e9e de la couverture devrait correspondre aux besoins \u00e0 long terme de votre personnel.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-aefd6f46\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>La couverture d\u2019invalidit\u00e9 inclut-elle les troubles de sant\u00e9 mentale?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Les bons r\u00e9gimes couvrent de plus en plus les troubles psychologiques comme la d\u00e9pression ou l\u2019anxi\u00e9t\u00e9, tant que la documentation m\u00e9dicale appropri\u00e9e est fournie.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-50eb4b56\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Les primes d\u2019assurance invalidit\u00e9 sont-elles imposables?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Non. Les primes d\u2019assurance invalidit\u00e9 ne sont pas consid\u00e9r\u00e9es comme un avantage imposable au Canada, qu\u2019elles soient pay\u00e9es par l\u2019employeur ou l\u2019employ\u00e9. Cela s\u2019applique \u00e0 la fois \u00e0 l\u2019assurance invalidit\u00e9 de courte et de longue dur\u00e9e.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Quand un employ\u00e9 tombe malade ou se blesse de mani\u00e8re impr\u00e9vue, la derni\u00e8re chose dont il devrait se pr\u00e9occuper, c\u2019est&#8230;<\/p>\n","protected":false},"author":15,"featured_media":13724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[101],"tags":[],"post_folder":[],"class_list":["post-13832","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-collective"],"acf":[],"taxonomy_info":{"category":[{"value":101,"label":"Assurance collective"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/06\/positive-adult-woman-working-office-uses-disability-insurance-1024x684.webp",1024,684,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":101,"name":"Assurance collective","slug":"assurance-collective","term_group":0,"term_taxonomy_id":101,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":101,"category_count":4,"category_description":"","cat_name":"Assurance collective","category_nicename":"assurance-collective","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/13832","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=13832"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/13832\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/13724"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=13832"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=13832"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=13832"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=13832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}