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A case history of self-insurance to the Montreal police


Alain Thériault

December 20, 2017 15:20

Photo : Freepik

Vice-president, secretary and treasurer of the Fraternité des policiers et policières de Montréal (FPPM), Pascal Poirier boasts the agility that comes, according to him, the self-management of a group insurance plan.

The FPPM manages its group insurance since 1954, and has begun to self-insurance with the health insurance and dental insurance. In 2017, these two regimes are always autoassurés, after a temporary incursion of an insurer in coverage for dental care, says Mr. Poirier. Life insurance, travel insurance and cancellation, and the warranty dismemberment and accidental death are supported by SSQ financial Group.

The plan provides for 9 593 people, about 15 000 with the spouse and children. Among the insured, the FPPM may include 4 550 active police officers, and 3 553 police retirees over 65 years of age. The total premium of all guarantees of the plan was $ 21.7 million, ($M), of which$ 11.4 Million is allocated to medicare and$ 5.1 Million for the insurance dental. Life insurance cost it$ 4.2 Million and travel insurance and a cancellation close to$1 Million.

Why self-insurance ? «Firstly, because it is in the DNA of the Montréal police officers to take their affairs in hand. We do it for our insurance and our pension funds, » replied Mr. Poirier. He returns on agility, mentioning that repatriation of the dental insurance has allowed him to free up funds, but also to offer participants the map of direct reimbursement payments for drugs. It is also easy for the lessee to modify warranties or guarantees or to withdraw them.

The property of the experience allows one to detect the health problems the more expensive and compare to the overall market. The analysis of the FPPM reveals as well as inflammatory disorders account for 12 % of the cost of the insurance coverage, the health problem the more costly, so that the bar is closer to 8 % in the overall market. For ADHD, the experience of the plan reveals that this problem counts for 10 % of costs, against 3 % in the overall market. «The difference is huge. Why ? We don’t know yet «, said Mr. Poirier.

Cancer accounts for 7 % of the cost of health insurance plan, compared with 3% in the overall market. Other shift that the FPPM intends to investigate, found Mr. Poirier. In contrast to other disorders experienced by the police officers of Montreal show a lower impact on the regime of the FPPM in the market as a whole. In particular, cardiac disorders accounted for 8 % of the cost, compared to nearly 13 % in the overall market.

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