Dans un soucis de mieux répondre aux besoins de sa clientèle, la Direction de l'IVAC est fière de vous présenter son nouveau site Web!

Vous pourrez facilement trouver des informations très complètes et plus simples à comprendre en ce qui concerne entre autres les victimes d'actes criminels, les sauveteurs, les services et indemnités offerts et les étapes d'une demande de prestations.

Nous espérons que vous serez satisfaits des efforts mis pour améliorer notre site. Si toutefois vous avez des commentaires ou suggestions qui pourraient nous aider à le bonifier, n'hésitez pas à nous le laisser savoir en communiquant avec nous.

Lifetime Annuity or Capital Sum?

What is an annuity?

Crime victims and rescuers may receive an annuity from IVAC. An annuity is a periodic payment made to a rescuer/victim (or, if the latter is deceased, his/her dependents) as compensation for injuries caused by the situation concerned.

You are eligible for a permanent-disability benefit.

You can opt to receive your benefit in one of two ways—as either a lifetime annuity or a capital sum.

A lifetime annuity is an amount paid every month to victims/rescuers throughout their lifetime.

A capital sum is an amount paid to victims/rescuers once only.

How is the benefit type determined?

  • Where the monthly amount is greater than $221.13, the permanent-disability benefit consists of an annuity that victims/rescuers receive as long as they live.
  • Where the monthly amount is less than or equal to $221.13, the permanent-disability benefit may consist of either a lifetime annuity or a capital sum, as the victim/rescuer prefers. The victim/rescuer has to inform the Direction de l’IVAC of his or her choice, within the established deadlines. Otherwise, he or she will automatically receive a monthly benefit for three months; a capital sum will be paid at the end of the potential contestation period, that is 90 days.

In 2019, the amount of $221.13 is the maximum used to determine if the benefit will be paid monthly or as a capital sum. This amount is indexed annually.

For additional information, please contact your local Association coopérative d'économie familiale (ACEF) for assistance in making the best decision.

Actuarial values for use in calculating capital sum​​​​​​​​​​​​​​​​