Pension & benefits
These pages broadly outline the pension and benefits for employees of Concordia University.
Concordia employees: Log onto Carrefour to get details specific to your employment.
Pensioners: Find your information in Pensioners' Corner.
Students: Undergraduate and graduate students can learn about the Concordia Student Health Plan through the Student Care website.
Which plan applies?
Benefits coverage varies by employee group. Select a group below to view the benefits to employees and their eligible dependents.
In addition, all employees of Concordia and the members of their immediate family (spouse and dependent children) have access to the Employee Assistance Program (EAP) and Telemedicine.
Please note: Information from Agreements and Collective Agreements supersedes the content on this page.
Benefits by employee group
Full-time, permanent employees
Eligible to participate in:
- Health Plan, including vision care coverage
- Dental Plan
- Pension Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TSFA (Carrefour)
Full-time employees
The following applies if you are a full-time employee appointed a contract of 12+ months or have completed five (5) years of continuous employment with the same PI.
Eligible to participate in:
- Health Plan, which does not include vision care coverage (possibility to opt out of plan if covered under another group health plan)
- Dental Plan (possibility to opt out of plan if covered under another group dental plan)
- Pension Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TSFA (Carrefour)
Part-time employees
The following applies if you are a part-time employee (working 20 hours or more per week) appointed a contract of 12+ months or have completed five (5) years of continuous employment with the same PI.
Eligible to participate in:
- Health Plan, which does not include vision care coverage
- Dental Plan
- Paid Sick Leave Plan
- Long-Term Disability Plan
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TSFA (Carrefour)
Contract employees
The following applies if you are a full-time or part-time employee appointed a contract of less than 12 months.
Eligible to participate in:
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TSFA (Carrefour)
Employees with less than 30 points or 720 hours (ESL)
You must participate in:
- RAMQ Drug Plan Equivalent, (possibility to opt out of plan if covered under another group health plan)
- Sick Leave and Short-Term Disability Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TSFA (Carrefour)
Employees with 30 points or 720 hours (ESL) or more
You must participate in:
- Comprehensive Health Plan, which does not include vision care coverage
- Sick Leave and Short-Term Disability Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TSFA (Carrefour)
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Full-time, permanent employees
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Part-time, permanent employees
Eligible to participate in:
- Paid Sick Leave Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Full-time, permanent employees
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
If you are a part-time, permanent employee
The following applies if you are working 20 hours or more per week.
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Temporary employees
Temporary employees who have completed one (1) year of continuous service at Concordia University are entitled to participate in the Health Care Insurance Plan. What follows applies if:
- you are a full-time, contract employee (contract greater than 6 months) or
- you are a part-time, contract employee (working 20 hours or more per week with a contract greater than 6 months)
Eligible to participate in:
- Comprehensive Health Plan, which does not include vision care coverage
- Sick Leave and Short-Term Disability Plan
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Eligible to participate in:
- Comprehensive Health Plan, which does not include vision care coverage
- Sick Leave and Short-Term Disability Plan
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Full-time, permanent employees
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Part-time, permanent employees
The following applies if you are working 21 hours or more per week.
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Part-time, permanent employees
The following applies if you are working 20 hours per week.
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Paid Sick Leave Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Contract employees
The following applies if your contract is greater than 6 months.
Eligible to participate in:
- Sick Leave and Short-Term Disability Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Full-time, permanent employees
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Temporary contract employees
Eligible to participate in:
- Sick Leave and Short-Term Disability Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Full-time, permanent employees
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Temporary contract employees
Eligible to participate in:
- Sick Leave and Short-Term Disability Plan (Carrefour)
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Full-time, permanent employees
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Part-time, permanent employees
The following applies if you are working 20 hours or more per week.
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan, (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Employees with a contract of 5 years or more
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Employees with a contract of 1 year or more but less than 5 years
Eligible to participate in:
- Health Plan, which includes vision care coverage
- Dental Plan
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (for a specified duration) (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Employees with a contract of less than 1 year
Eligible to participate in:
- Pension Plan (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)
Full-time employees
The following apples if your contract is for a duration of 1 year or more AND you work 35 hours or more per week.
Eligible to participate in:
- Health Plan, which excludes vision care coverage
- Basic Life Insurance Plan
- Paid Sick Leave Plan (Carrefour)
- Long-Term Disability Plan (Carrefour)
- Pension Plan
Optional participation:
- Optional Life Insurance Plans [Available to employee, spouse and dependent children]
- Optional Accident Insurance Plan
- Group RSP
- Group TFSA (Carrefour)
Part-time employees
The following applies if your contract is for a duration of 1 year or more AND you work 20 hours or more per week.
You must participate in:
- Health Plan, which excludes vision care coverage
- Paid Sick Leave Plan (Carrefour)
- Pension Plan, (provided that, in the calendar year before joining the plan, you worked at least 700 hours at Concordia or earned remuneration from the University equal to at least 35% of the YMPE)
Optional participation:
- Group RSP
- Group TFSA (Carrefour)