An accident can take you off the job site overnight.
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
In 2 minutes, find out whether your income is really protected.
“Clear, professional service. I should have done this a long time ago.”
— Marc-André D., Construction Contractor
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We understand your reality.
Working in construction is demanding. Protecting your income should be simple.
An accident, an injury or an illness can take you off the job site overnight. And in construction, risk is part of the trade.
A high-risk trade. Coverage that is often not enough.
The long-term coverage offered by the construction industry's group plans is often limited. In many cases:
Capped amounts
The maximum is often well below what you actually earn
Strict conditions
You need 6,000+ accumulated hours before you even qualify
Insufficient coverage
The shortfall comes out of your pocket
The result: the shortfall comes out of your pocket.
The bills, though, don't stop.
Even if you are unable to work, these obligations stay the same:
- Mortgage or rent
- A family to provide for
- Vehicle payments
- Personal and business expenses
The payments keep coming.
The income doesn't.
Whether you are working or not, your financial obligations stay exactly the same.
No work = no income.
In construction, it's as simple as that. The moment you stop working, the income stops immediately.
No job site
No hours
No paycheque
No grace period. No automatic cushion.
That's why you need to get ahead of it.
There are simple ways to protect your income, even in construction.
At Finox, we look at your situation in plain terms. No complicated jargon. No pressure. Clear answers, tailored to your reality as a construction worker in Quebec.
A Finox advisor helps you understand:
- How your current coverage (MEDIC Construction) really works
- What its concrete limits are for your trade
- Whether a top-up could be worthwhile for you
You walk away with a clear answer, not guesswork.
No obligation. A call of 10 minutes at most.
What MEDIC Construction actually covers
Long-term income protection — maximum monthly amounts by trade and by plan.
The employee must have 6,000 or more hours worked accumulated in the pension plan before the 53rd week of disability.
| Trade / Plan | Plan A | Plan B | Plan C |
|---|---|---|---|
| Base (A, B, C) | $1,625 | $1,375 | $1,275 |
| Carpenter-joiners (J) | $2,050 | $1,715 | $1,530 |
| Boilermakers (U) | $2,600 | $2,150 | $1,850 |
| Roofers (C) | $3,200 | $2,600 | $1,600 |
| Electricians (E) | $3,150 | $2,600 | $1,500 |
| Tinsmiths (F) | $2,200 | $1,675 | $1,300 |
| Refrigeration mechanics (G) | $3,500 | $2,900 | $2,100 |
| Power line workers (L) | $2,800 | $2,300 | $1,750 |
| Construction millwrights (M) | $1,925 | $1,750 | $1,500 |
| Fire protection mechanics (P) | $3,500 | $2,900 | $2,100 |
| Trowel trades (B) | $2,000 | $1,700 | $1,300 |
| Occupations (O) | $2,800 | $2,280 | $1,450 |
| Heavy equipment operators (N) | $3,200 | $2,600 | $1,750 |
| Painters (S) | $1,775 | $1,525 | $1,425 |
| Resilient flooring installers (R) | $2,350 | $1,725 | $1,500 |
| Pipefitters (T) | $3,150 | $2,600 | $1,500 |
Do these amounts really cover your monthly expenses?
If the answer is no, a top-up could make all the difference.
What our clients appreciate most
Construction workers like you who chose to protect their income.
“Thank you to the whole team, you are so professional and warm, which is rare these days! It’s a pleasure to leave a review.”
Geneviève T.
Surveyor
“The team is on top of things and the service is very clear, thank you.”
Jonathan B.
Carpenter-Joiner
“Quick replies to our messages, and services and advice tailored to our needs. Evan is very professional, warm and attentive to his clients. I recommend them.”
Jean-Michel L.
Building Engineer
How does it work?
A simple, respectful process that moves at your pace.
Leave your contact details
Fill out the form above (about 30 seconds)
We call you
You talk to someone who understands the reality of the construction industry and answers your questions in plain language.
We clarify your solution
You walk away with a clear answer about protecting your income and the options available to you.
No-pressure call · No obligation · 100% confidential
Google reviews from our clients
Thousands of Quebecers trust us to compare their insurance
Back to the form: 2 minutes, no obligation.
The team behind the service
A small team that serves clients everywhere in Quebec. The person who calls you back works here.
Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
Zavier BinetteIntern
Émie BélangerAdvisor assistant
Jessica Archambault-LeonaSocial media manager
Frequently Asked Questions
Yes. The goal is simply to talk about your situation and answer your questions. There is no pressure and no obligation.
No. The decision is entirely yours. The call is there first and foremost to clarify your situation and your options.
The call generally takes 10 to 20 minutes, depending on your questions and your situation.
Yes. Your information is confidential and is used only to contact you about your request.
You work hard for your income.
Take a few minutes to find out how to protect it, simply.
It may well be the most important step you take this year — and it costs nothing to check.
Check my coverage for freeNo-pressure call · No obligation · 100% confidential