{"id":58413,"date":"2026-04-21T10:35:56","date_gmt":"2026-04-21T14:35:56","guid":{"rendered":"https:\/\/www.assur360.ca\/quebec-long-term-care-insurance-2026-chslds-and-home-support\/"},"modified":"2026-05-22T00:43:30","modified_gmt":"2026-05-22T04:43:30","slug":"quebec-long-term-care-insurance-2026-chslds-and-home-support","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/quebec-long-term-care-insurance-2026-chslds-and-home-support\/","title":{"rendered":"Quebec Long-Term Care Insurance 2026: CHSLDs and Home Support"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"Quebec-Long-Term-Care-Insurance-2026-CHSLDs-and-Home-Support\"><\/span>Quebec Long-Term Care Insurance 2026: CHSLDs and Home Support<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-soins-longue-duree\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"221 boul. Frontenac Ouest\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 1N3\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": \"Qu\u00e9bec\",\n  \"serviceType\": [\"Assurance soins de longue dur\u00e9e\", \"Protection CHSLD\", \"Assurance maintien \u00e0 domicile\", \"Assurance Alzheimer et d\u00e9mence\"],\n  \"hasCredential\": \"Certifi\u00e9 AMF (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Long-term care<\/strong> costs between <strong>$2,200 and $6,500 per month<\/strong> in Quebec \u2014 whether in <strong>public CHSLDs<\/strong>, <strong>private seniors&#8217; residences<\/strong> or through home services. The public plan covers only a fraction, and waiting lists often exceed 18 months. <strong>Long-term care insurance<\/strong> pays a <strong>tax-free monthly pension<\/strong> as soon as you lose your independence, to guarantee you the quality care you want, where you want. <strong>Assur360<\/strong> compares the best contracts via our <strong>AMF-certified brokers<\/strong> \u2014 free quote in 3 minutes.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SOUMISSION ASSURANCE SOINS DE LONGUE DUR\u00c9E<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protegez-votre-autonomie-et-vos-proches\"><\/span>Prot\u00e9gez votre autonomie et vos proches<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Comparez plus de 9 assureurs en 3 minutes. Courtiers ind\u00e9pendants certifi\u00e9s AMF.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Obtenir ma soumission gratuite<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">55+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Ideal age to subscribe<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$5,500\/month<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average premium private CHSLD<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To get a price<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Non-taxable at reception<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:32px auto 48px;max-width:1200px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:36px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/soins-longue-duree-hero.jpg\" alt=\"Quebec seniors who are independent in their home \u2014 long-term care insurance\" style=\"width:45%;max-width:480px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Preserving-ones-autonomy-after-the-age-of-65\"><\/span>Preserving one&#8217;s autonomy after the age of 65<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Long-term care insurance<\/strong> pays a monthly benefit when you lose your independence (inability to perform 2 of the 6 daily activities). Covers care at home, in a residence or in a private CHSLD. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\">Our partner firms compare offers from Sun Life, Manulife, RBC and iA \u2014 Assur360 remains an <strong>independent comparison site<\/strong> at no cost to the client.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-long-term-care-insurance\"><\/span>What is long-term care insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Long-term care (LTC) insurance<\/strong> is a contract that pays a <strong>monthly pension<\/strong> when you lose your independence to perform at least two of the six daily activities (bathing, dressing, feeding, moving, using the toilet, continence) or in the event of diagnosed cognitive disorders (Alzheimer&#8217;s, dementia). The money is <strong>non-taxable<\/strong> and can be used freely: CHSLDs, private residences, caregivers, home adaptations, professional services. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Home care<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers home help, nurse, attendant, meals delivered, remote assistance and adaptation of the home (ramp, adapted shower).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Residence and CHSLD<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Completes the difference between the public plan and the actual cost of a private RPP or a private CHSLD under agreement \u2014 on average $3,500 to $6,500 per month.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udde0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Cognitive impairment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Triggers payment upon diagnosis of <strong>Alzheimer&#8217;s<\/strong>, dementia, advanced Parkinson&#8217;s, or any documented neurocognitive disease.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-long-term-care-really-cost-in-Quebec\"><\/span>How much does long-term care really cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Costs vary greatly depending on the type of accommodation and the level of care. Here are the indicative rates for 2026 \u2014 <strong>before<\/strong> the insurance contribution. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Type of care<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Average monthly cost<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Wait time<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Public CHSLD (max contribution)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,202\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">12 to 24 months<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Seniors&#8217; Home (MDA)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,202\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">18 to 36 months<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private seniors&#8217; residence (PSR) \u2014 with care<\/td> $<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3,500 to $5,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 to 6 months<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private CHSLD under agreement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,500 to $4,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3 to 12 months<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private CHSLD not under agreement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$5,500 to $9,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immediate to 3 months<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Home Services 8 hrs\/day<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$4,000 to $7,500\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immediate<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Specialized Nursing Care at Home<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$6,000 to $12,000\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 to 2 weeks<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Tarifs indicatifs 2026 selon MSSS Qu\u00e9bec et FADOQ. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Obtenez votre prix exact en 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-should-take-out-this-protection\"><\/span>Who should take out this protection?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The younger you subscribe, the lower and more stable the premium. The optimal age is between <strong>50 and 60 years old<\/strong>, before the appearance of pre-existing conditions that could lead to a disqualification or additional premium. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc64<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Single 50-65 years old<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">No children available for care. LTC insurance replaces absent family breadwinners and avoids dependence on social assistance. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Owner couple<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">So as not to deplete the savings of one spouse if the other loses his or her autonomy. Protects the legacy and quality of life of the healthy spouse. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Net assets> $500,000<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Too many assets for government assistance but not enough to absorb $6,000\/month for 5 to 10 years. LTC insurance preserves assets. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-a-benefit-application-work\"><\/span>How does a benefit application work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Documented loss of autonomy<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A doctor or occupational therapist assesses your inability to perform at least 2 of the 6 daily activities (ADLs) or diagnoses a cognitive impairment.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Reporting to the Insurer<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">You (or a caregiver\/proxy) send the benefit form with the medical reports. Most contracts require a waiting period of 30 to 90 days. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Validation and confirmation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The insurer validates the file \u2014 sometimes via an in-home evaluation by a mandated nurse. Average delay: 30 to 45 days. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Tax-free monthly payment<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The agreed upon amount (e.g., $3,000\/month) is paid directly into your account. You use the money however you want \u2014 no receipts to provide. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Combine LTC and life insurance<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Many newer policies allow you to <strong style=\"color:#ffffff;\">combine long-term care and permanent life insurance<\/strong> in one policy \u2014 if you don&#8217;t use LTC benefit, the intact death benefit is paid out to your heirs. Very advantageous premium-to-value ratio after age 55. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monthly-premium-according-to-the-age-of-subscription\"><\/span>Monthly premium according to the age of subscription<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Example for a benefit of <strong>$3,000\/month for life<\/strong>, 90-day waiting period, healthy non-smoker:<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Age at Purchase<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Female<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Male<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Couple (2 policies)<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">50 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$110\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$95\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$185\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">55 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">old $155\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$135\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$265\/month<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">60 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">old $225\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$195\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$385\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">65 years old<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$335\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$290\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$580\/month<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">70 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">old $510\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$450\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$895\/month<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">75 years old<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$825\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$735\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,440\/month<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Primes indicatives 2026 selon Canada Vie, Manuvie, Sun Life, Desjardins et RBC. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Obtenez votre prix exact personnalis\u00e9<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Pre-existing conditions cause the premium to skyrocket<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">If you wait until you have diabetes, heart disease or a history of stroke before applying, expect a <strong>50% to 200% surcharge<\/strong> \u2014 or even a complete refusal after age 65. <strong>Take out a healthy policy, ideally before age 60.<\/strong><\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE COMPARATOR<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your monthly pension \u2014 without commitment<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The brokers of our partner firms analyze your situation and offer you the best options on the market.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Compare Now<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-main-contract-structures\"><\/span>The 3 main contract structures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udd01 Pension repaid if not used<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If you die without having activated the benefit, your heirs recover 100% of the premiums paid. Higher premium but zero risk of &#8220;losing&#8221; your investment. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcc6 Lifetime benefit vs. limited time<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Some contracts pay as long as you are losing autonomy (for life), others limit it to 5 or 10 years. The lifetime annuity costs 20-30% more but protects against long stays. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udc8a With or without a palliative care component<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Option that doubles the benefit for the last 6 months of life if there is a terminal prognosis. Modest cost (~5-8% of premium) for a significant end-of-life gain. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcb5 Leveled Premium vs. T100 Premium<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The level premium remains fixed for life. The T100 premium is payable until age 100 or until death. Prioritize leveled if you are under 65 years old.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-ways-to-reduce-your-premium\"><\/span>3 ways to reduce your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd50<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Extending the waiting period<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Going from 30 to 90 days reduces the premium by 15-25%. If you have 3 months of savings available, the calculation is advantageous. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcaa<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Applying for health insurance before age 60<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Premium 50-70% cheaper at age 55 than at age 65. Every year counts a lot after the age of 55. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc6b<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Joint contract<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Some insurers offer a 10-15% discount when two spouses purchase the same policy together.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"LTC-Insurance-in-Quebec-Where-We-Serve\"><\/span>LTC Insurance in Quebec: Where We Serve<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Our <strong>Assur360<\/strong> brokers support Quebecers throughout the province. We particularly serve <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and <strong>Thetford Mines<\/strong>, as well as all regions \u2014 Mont\u00e9r\u00e9gie, Lanaudi\u00e8re, Laurentides, Estrie, Mauricie, Chaudi\u00e8re-Appalaches and C\u00f4te-Nord.  Whether you live in an urban centre or in a rural area, we compare the same national insurers \u2014 <strong>Canada Life<\/strong>, <strong>Manulife<\/strong>, <strong>Sun Life<\/strong>, <strong>Desjardins<\/strong>, <strong>Empire Life<\/strong>, <strong>RBC<\/strong>, <strong>iA Financial Group<\/strong> \u2014 and apply the most competitive rates on the market.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles-to-consult\"><\/span>Related articles to consult<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance vie au Qu\u00e9bec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Temporaire, permanente, universelle \u2014 guide complet des protections offertes.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance maladies graves<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Capital forfaitaire d\u00e8s le diagnostic d&#8217;un cancer, AVC ou infarctus.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance invalidit\u00e9<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Remplace votre revenu si vous \u00eates incapable de travailler \u00e0 cause d&#8217;une maladie ou d&#8217;un accident.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie-sans-examen-medical\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Assurance vie sans examen m\u00e9dical<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">\u00c9mission simplifi\u00e9e pour les personnes avec conditions de sant\u00e9 particuli\u00e8res.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Long-term-care-insurance\"><\/span>Frequently asked questions \u2014 Long-term care insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Est-ce que la RAMQ ou le r\u00e9gime public couvre les soins de longue dur\u00e9e ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Partiellement. Le r\u00e9gime public couvre les CHSLD publics et les maisons des a\u00een\u00e9s (MDA), mais les <strong>listes d&#8217;attente d\u00e9passent souvent 18 \u00e0 24 mois<\/strong> et vous ne choisissez ni l&#8217;\u00e9tablissement ni la chambre. Les services \u00e0 domicile publics (CLSC) se limitent g\u00e9n\u00e9ralement \u00e0 1-3 heures par semaine. Pour tout service priv\u00e9 \u2014 RPA avec soins, aide \u00e0 domicile compl\u00e8te, CHSLD priv\u00e9 \u2014 vous payez de votre poche. L&#8217;<a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">assurance SLD<\/a> comble cette diff\u00e9rence.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">\u00c0 quel \u00e2ge devrais-je souscrire ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Id\u00e9alement entre <strong>50 et 60 ans<\/strong>. Plus t\u00f4t, la prime est basse mais vous payez pendant plus longtemps. Plus tard, la prime explose et les conditions pr\u00e9existantes peuvent causer des exclusions ou un refus. \u00c0 55 ans, en sant\u00e9, non-fumeur, vous paierez environ 130-160 $\/mois pour 3 000 $\/mois \u00e0 vie. \u00c0 65 ans, le m\u00eame contrat co\u00fbte 290-340 $\/mois.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quelle est la diff\u00e9rence entre l&#8217;assurance SLD et l&#8217;assurance invalidit\u00e9 ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">L&#8217;<a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\">assurance invalidit\u00e9<\/a> remplace votre <strong>revenu d&#8217;emploi<\/strong> si vous ne pouvez pas travailler \u2014 elle se termine g\u00e9n\u00e9ralement \u00e0 65 ans. L&#8217;<strong>assurance soins de longue dur\u00e9e<\/strong> paie votre <strong>h\u00e9bergement et vos soins<\/strong> lorsque vous perdez l&#8217;autonomie (souvent apr\u00e8s 70 ans). Ce sont deux produits compl\u00e9mentaires, pas substituables.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Est-ce que la prestation est imposable ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Non<\/strong>. Les versements d&#8217;une assurance soins de longue dur\u00e9e au Canada sont <strong>non imposables<\/strong>, puisque les primes sont pay\u00e9es avec de l&#8217;argent apr\u00e8s imp\u00f4t et que la prestation est consid\u00e9r\u00e9e comme une indemnisation, pas un revenu.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quels sont les crit\u00e8res de d\u00e9clenchement d&#8217;une prestation ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Deux principaux crit\u00e8res. <strong>Crit\u00e8re AVQ<\/strong> : incapacit\u00e9 \u00e0 accomplir seul au moins 2 des 6 activit\u00e9s quotidiennes (se laver, s&#8217;habiller, se nourrir, se d\u00e9placer, utiliser les toilettes, continence). <strong>Crit\u00e8re cognitif<\/strong> : diagnostic m\u00e9dical d&#8217;une maladie neurocognitive (Alzheimer, d\u00e9mence vasculaire, Parkinson avanc\u00e9) causant une supervision constante.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Puis-je utiliser la prestation pour payer un proche aidant ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui<\/strong>, dans la plupart des contrats r\u00e9cents. Vous recevez la rente mensuelle sans justificatif et pouvez r\u00e9mun\u00e9rer un proche aidant, un membre de la famille, ou engager une aide professionnelle. V\u00e9rifiez cependant les implications fiscales pour le proche r\u00e9mun\u00e9r\u00e9.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Que se passe-t-il si je d\u00e9c\u00e8de sans jamais utiliser la prestation ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Selon le type de contrat : soit les primes sont <strong>rembours\u00e9es \u00e0 vos h\u00e9ritiers<\/strong> (option garantie de retour de prime), soit elles sont conserv\u00e9es par l&#8217;assureur (option sans retour, moins ch\u00e8re). L&#8217;option avec retour co\u00fbte environ 20-30 % plus cher mais \u00e9limine le risque de \u00ab rien avoir en retour \u00bb.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Puis-je combiner assurance SLD avec assurance vie ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui<\/strong>. Plusieurs assureurs offrent des contrats hybrides avec un capital d\u00e9c\u00e8s garanti et une prestation SLD int\u00e9gr\u00e9e. Si vous n&#8217;utilisez pas la portion SLD, vos b\u00e9n\u00e9ficiaires re\u00e7oivent le capital complet au d\u00e9c\u00e8s. Tr\u00e8s avantageux fiscalement et financi\u00e8rement apr\u00e8s 55 ans.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Mes cotisations peuvent-elles augmenter avec le temps ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Cela d\u00e9pend du contrat. Les primes <strong>nivel\u00e9es<\/strong> restent identiques \u00e0 vie, garanties contractuellement. Les primes dites <strong>renouvelables<\/strong> peuvent augmenter \u00e0 chaque renouvellement (5 ou 10 ans). Privil\u00e9giez toujours le nivel\u00e9 si votre budget le permet.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Ai-je besoin d&#8217;un examen m\u00e9dical pour souscrire ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">G\u00e9n\u00e9ralement oui, surtout apr\u00e8s 50 ans. L&#8217;examen comprend un questionnaire d\u00e9taill\u00e9, des analyses sanguines et parfois un test cognitif (MoCA). Pour les personnes ayant des ant\u00e9c\u00e9dents m\u00e9dicaux, il existe des produits <a href=\"https:\/\/www.assur360.ca\/assurance-vie-sans-examen-medical\/\">sans examen m\u00e9dical<\/a>, mais les primes sont plus \u00e9lev\u00e9es et les plafonds de prestation plus bas.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que la RAMQ ou le r\u00e9gime public couvre les soins de longue dur\u00e9e ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Partiellement. Le r\u00e9gime public couvre les CHSLD publics et les maisons des a\u00een\u00e9s (MDA), mais les <strong>listes d'attente d\u00e9passent souvent 18 \u00e0 24 mois et vous ne choisissez ni l'\u00e9tablissement ni la chambre. Les services \u00e0 domicile publics (CLSC) se limitent g\u00e9n\u00e9ralement \u00e0 1-3 heures par semaine. Pour tout service priv\u00e9 \u2014 RPA avec soins, aide \u00e0 domicile compl\u00e8te, CHSLD priv\u00e9 \u2014 vous payez de votre poche. L'<a href=\\\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\\\">assurance SLD comble cette diff\u00e9rence.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u00c0 quel \u00e2ge devrais-je souscrire ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Id\u00e9alement entre <strong>50 et 60 ans. Plus t\u00f4t, la prime est basse mais vous payez pendant plus longtemps. Plus tard, la prime explose et les conditions pr\u00e9existantes peuvent causer des exclusions ou un refus. \u00c0 55 ans, en sant\u00e9, non-fumeur, vous paierez environ 130-160 $\/mois pour 3 000 $\/mois \u00e0 vie. \u00c0 65 ans, le m\u00eame contrat co\u00fbte 290-340 $\/mois.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle est la diff\u00e9rence entre l'assurance SLD et l'assurance invalidit\u00e9 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'<a href=\\\"\/assurance-invalidite\/\\\">assurance invalidit\u00e9 remplace votre <strong>revenu d'emploi si vous ne pouvez pas travailler \u2014 elle se termine g\u00e9n\u00e9ralement \u00e0 65 ans. L'<\/strong><strong>assurance soins de longue dur\u00e9e paie votre <\/strong><strong>h\u00e9bergement et vos soins lorsque vous perdez l'autonomie (souvent apr\u00e8s 70 ans). Ce sont deux produits compl\u00e9mentaires, pas substituables.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que la prestation est imposable ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Non. Les versements d'une assurance soins de longue dur\u00e9e au Canada sont <\/strong><strong>non imposables, puisque les primes sont pay\u00e9es avec de l'argent apr\u00e8s imp\u00f4t et que la prestation est consid\u00e9r\u00e9e comme une indemnisation, pas un revenu.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quels sont les crit\u00e8res de d\u00e9clenchement d'une prestation ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Deux principaux crit\u00e8res. <\/strong><strong>Crit\u00e8re AVQ : incapacit\u00e9 \u00e0 accomplir seul au moins 2 des 6 activit\u00e9s quotidiennes (se laver, s'habiller, se nourrir, se d\u00e9placer, utiliser les toilettes, continence). <\/strong><strong>Crit\u00e8re cognitif : diagnostic m\u00e9dical d'une maladie neurocognitive (Alzheimer, d\u00e9mence vasculaire, Parkinson avanc\u00e9) causant une supervision constante.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je utiliser la prestation pour payer un proche aidant ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui, dans la plupart des contrats r\u00e9cents. Vous recevez la rente mensuelle sans justificatif et pouvez r\u00e9mun\u00e9rer un proche aidant, un membre de la famille, ou engager une aide professionnelle. V\u00e9rifiez cependant les implications fiscales pour le proche r\u00e9mun\u00e9r\u00e9.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que se passe-t-il si je d\u00e9c\u00e8de sans jamais utiliser la prestation ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Selon le type de contrat : soit les primes sont <\/strong><strong>rembours\u00e9es \u00e0 vos h\u00e9ritiers (option garantie de retour de prime), soit elles sont conserv\u00e9es par l'assureur (option sans retour, moins ch\u00e8re). L'option avec retour co\u00fbte environ 20-30 % plus cher mais \u00e9limine le risque de \u00ab rien avoir en retour \u00bb.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je combiner assurance SLD avec assurance vie ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"<\/strong><strong>Oui. Plusieurs assureurs offrent des contrats hybrides avec un capital d\u00e9c\u00e8s garanti et une prestation SLD int\u00e9gr\u00e9e. Si vous n'utilisez pas la portion SLD, vos b\u00e9n\u00e9ficiaires re\u00e7oivent le capital complet au d\u00e9c\u00e8s. Tr\u00e8s avantageux fiscalement et financi\u00e8rement apr\u00e8s 55 ans.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mes cotisations peuvent-elles augmenter avec le temps ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Cela d\u00e9pend du contrat. 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Pour les personnes ayant des ant\u00e9c\u00e9dents m\u00e9dicaux, il existe des produits <a href=\\\"\/assurance-vie-sans-examen-medical\/\\\">sans examen m\u00e9dical, mais les primes sont plus \u00e9lev\u00e9es et les plafonds de prestation plus bas.\"\n      }\n    }\n  ]\n}\n<\/a><\/strong><\/a><\/strong><\/a><\/strong><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong> and the Insurance Chamber<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Independent brokers, conflict-free<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Response within <strong>24 business hours<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SOUMISSION GRATUITE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Prot\u00e9gez votre autonomie d\u00e8s aujourd&#8217;hui<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Courtiers AMF ind\u00e9pendants \u2014 r\u00e9ponse en 24 heures ouvrables.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Obtenir ma soumission<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Accueil\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Produits d'assurance\",\n      \"item\": \"https:\/\/www.assur360.ca\/produit-assurance\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Assurance soins de longue dur\u00e9e\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-soins-longue-duree\/\"\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Quebec Long-Term Care Insurance 2026: CHSLDs and Home Support Long-term care costs between $2,200 and $6,500 per month in Quebec \u2014 whether [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":59227,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Quebec Long-Term Care Insurance 2026 | Assur360","_seopress_titles_desc":"CHSLD, RPA and home care coverage from the age of 55. 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