The retrospective plan allows you to adjust your financial strategy according to your company's reality and achieve substantial savings. This pricing method is exclusive to companies that pay a significant contribution to the CNESST and is closely linked to the company's occupational health and safety performance.
Large and very large companies
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Increase the profitability of your organization. Take control of your OHS contribution!
Our solution, maximize your savings and transmit our knowledge to ensure your understanding to improve your management of occupational injuries.
Benefit from a reliable, efficient and fast financial management service. Our technology and expertise allow us to maximize your savings at the CNESST.
100% cost-effective advice
With the help of our OHS professionals, you will be able to make the best medical, legal and administrative decisions.
Control and forecast your OHS budget with our analysis of your CNESST contributions.
Our rigor allows us to ensure your understanding of your performance results.
Report on the follow-up of occupational injuries
Useful to know the financial future of your company. The follow-up report provides an overview of the financial impact of your employment injury cases. This work tool facilitates the daily management of your occupational injuries. It allows you to plan the company's cash inflows and outflows in order to make the best financial decisions. Chaque rapport présente :
- Projections of contributions to be paid or refunded
- Retrospective adjustments of the CNESST assessment
- The financial impact of work accident files and the financial costs
- The financial performance of the OHS component over the years
- Comparison of your performance with your industry
To facilitate the understanding of OHS rating concepts, our reports also include the variation of costs for each injury between reports, the identification of cases whose costs may change and the graphic presentation of assessment calculations.
Limit selection by employment injury
Make an informed choice of limit, according to your company profile. Our team will help you make this decision in order to minimize your financial responsibility for work-related accidents and illnesses. We offer a complete statistical analysis of your CNESST files in order to propose the best advice and to secure your company's cash flow. In order to offer you the best choice of limit per injury, our analysis is also carried out according to your type of management and the means put in place to control the costs of occupational injuries, since they have an impact on your choice of limit.
CNESST rate management support
Maximize your health and safety savings! Be supported in the management of your retrospective rate. Our team evaluates the financial impact of all your OHS claims in order to offer consulting services focused on your return on investment. We can also guide you in the choice of your rate plan, such as individual or grouped retrospective rates, prevention mutuals and personalized rates. Whether or not you are familiar with the management of the retrospective rate plan, our telephone help line provides quick access to expert advice. Our team is informed of all changes in regulations and obligations, which allows us to answer all your questions.
Assistant Director of Financial Resources and Logistics
The facility has been using MEDIAL's services for several years. This allows us to obtain sound advice on the handling of certain specific files. In addition, our excellent consultant, Ann-Marie, is always available to help us estimate the amounts to be paid in future years in order to have the most accurate financial statements possible. It is a pleasure to work with her!
Health and Safety Division Manager
MEDIAL's reports provide a good assessment of our performance as well as the current and future impacts of CNESST claims. Their staff is available and provides quick answers to our questions.
Conseillère SST et RH - Alex Coulombe Ltée
« Service rapide, proximité et disponibilité. Que du positif ! »
Anouk Fortin Lapointe, Directrice des ressources humaines
Directrice des ressources humaines - Meubles South Shore
« Nous avons grandement apprécié les services, qui nous ont permis de démystifier ce sujet et de prendre des bonnes décisions. Des bonnes réponses, et rapides en plus ! »
This plan is designed for very large companies whose annual contribution is generally greater than approximately $400,000.
There are 3 ways to become subject to the retrospective plan:
Your company is automatically subject to the plan if the parameters (based on the 2nd year prior to the year in question) allow you to cross the threshold for being subject. The CNESST performs this calculation annually and generally informs you 5 months in advance if you are subject to the retrospective plan for the coming year.
If this basic threshold is not reached, your company can still be subject to the retrospective plan if it meets 2 conditions. First, it must reach the threshold of liability based on the parameters of the year in question and must also file an application with the CNESST before December 15 of the year in question.
Regrouping under the retrospective plan :
Even if companies do not individually meet the basic liability threshold, they may group together to meet it if they are controlled by the same parent company. To do so, an application must be sent to the CNESST before September 30 and must be renewed annually if your company now wants to regroup.
Considering the important financial consequences that the decision on the choice of the limit generates annually, it cannot be left to chance and must necessarily be based on a thoughtful analysis where all the criteria having an impact on the choice of limit have been considered.
To do so, 4 fundamental elements should be considered:
- Your experience in previous years
- Your risk tolerance
- The management and control of the cost of claims
- Prevention of occupational injuries
In this way, you maximize the probability of having made a good choice of limit and avoiding unpleasant surprises!
In addition to increases in your payroll and in the unit rate of your sector of activity, which may result in an increase in your CNESST contribution, an increase in the cost of your occupational injuries from previous years will result in an increase in your personalized rate and therefore in your contribution to the CNESST.
Generally, these are costs for injuries that occurred 3 years ago. In fact, the CNESST uses the last 4 years of experience (the year preceding the calculation year is not considered). Among these 4 years, the three oldest have the most weight in the calculation of your rate (years of severity). For example, an increase in your personalized rate in 2022 would likely be due to injuries in 2019 that begin to have a significant impact in 2022.
For companies paying into the retrospective plan, the personalized rate is particularly important since an increase will cause an increase in the cost of insurance and the 150% maximum for the next few years. These parameters are very important when choosing an insurance limit.
Yes, the limit election is exclusive and mandatory for companies subject to the retrospective rating system. Each year, employers or managers must elect the limit of assessment per occupational injury that they are willing to assume. The limit election requires you to indicate to the CNESST the maximum amount you are prepared to bear for the compensation of each occupational injury that may occur in your organization.
Corporate transactions can affect the rate plan to which you are subject and several situations can arise. For example, is the acquiring company already in a preventive mutual plan or a retrospective plan? Are these plans performing well? Will the merger of OHS experiences increase your personalized rate?
Furthermore, since a corporate merger generally increases the total payroll, this could result in the threshold for retrospective coverage being reached.
In short, any corporate transaction must be analyzed in detail to determine if your rate plan is affected and, more importantly, how.
Why wait? Contact Quebec's largest private occupational health and safety consulting firm!