To fulfill their professional development obligations, ChAD members must:
- Earn 20 professional development units (PDUs) during each two-year reference period, in the following categories:
- Compliance (minimum 3 of PDUs)
- Administration, Insurance techniques or Law
- Professional development (maximum of 5 PDUs)
- Successfully complete the compulsory course entitled
Focusing on Compliance: Your Duty to Inform, Explain and Advise (2 PDUs in Compliance) before December 31, 2017.
The current compliance period begins on January 1, 2016 and ends on December 31, 2017.
Compulsory Course Worth 2 PDUs
Beginning with the
2016-2017 reference period, and continuing thereafter for each reference period, representatives will be obliged to take a compulsory course developed by the ChAD worth 2 PDUs. The general objective of this compulsory course is to address ethical shortcomings. The PDUs earned by taking this course will count towards the 20 compulsory PDUs representatives must earn during each compliance period. They will also count towards the minimum of 3 compulsory PDUs in Compliance.
The 2016-2017 compliance period compulsory course is entitled
Focusing on Compliance: Your Duty to Inform, Explain and Advise and will be offered online at the ChAD’s training site,
ÉduChAD. The course targets the top reason for complaints over the past four years: failure to properly inform, explain and advise.
To find out more about this compulsory course, please
click on its page here.
Limit on the Number of PDUs Earned After Re-taking the Same Training
Members may earn PDUs for taking the same training a maximum of two times, as long as the training is taken during two different reference periods. A member who has already earned PDUs twice for the same training will not earn any further PDUs if he or she takes this training once again.
New Members’ Exemption from Earning PDUs
As a new member of the ChAD, you are exempted from having to earn PDUs for a period of 12 months after having successfully completed the Autorité des marchés financiers exams and received your certificate.
Carry-over of Five PDUs
Members who have earned extra PDUs are permitted to transfer up to five PDUs to the following compliance period.
Exemption from Earning PDUs Due to a Leave of Absence from the Profession
Representatives are responsible for notifying the ChAD of any interruption in professional activities for reasons of “force majeure” (sick leave, parental leave, etc.) if they wish to be exempted from their compulsory professional development obligations during their leave of absence from the profession. The number of months that you are absent from work due to illness or parental leave is subtracted from your PDU file upon receipt of your application accompanied by evidence supporting your request for leave. After having analyzed your application, the ChAD will send you a letter indicating the number of PDUs that will be subtracted from the current reference period. The exemption will not release you entirely from your professional development obligations.
For example: You still have 15 PDUs to complete before the end of the current reference period. When you notify us of your sick leave or parental leave, the ChAD will confirm with you by mail that 2 PDUs will be subtracted from the total. You will still have to earn 13 PDUs by the end of the current period.
Categories and Subjects
The 20 PDUs that you are required to earn must come from the following five categories: Compliance, Administration, Insurance techniques, Law, and Professional development.
This category includes ethics and professional practice in damage insurance; legislation and regulations governing the distribution of financial products and services; as well as the protection of personal information.
A minimum of three (3) PDUs must be completed during each compliance period.
The 2 PDUs earned by taking the compulsory course,
Focusing on Compliance, count towards the minimum of 3 PDUs that must be earned in the Compliance category.
These training activities must enable a member to become more knowledgeable and develop his/her expertise in the management and administration of a damage insurance firm. This includes courses on the following subjects: economics, accounting and finance, human resources management, marketing, information systems management, management and business strategies.
These training activities must enable a member to become more knowledgeable and develop his/her expertise in the field of damage insurance. This includes courses dealing with: personal lines insurance, commercial lines insurance, risk management, claims adjustment, building services, investigation and loss-prevention techniques.
These training activities must enable a member to become more knowledgeable and develop his/her expertise with respect to the relevant legislation and regulations. This includes courses dealing with: damage insurance, civil law and commercial law.
These training activities must enable a member to become more knowledgeable and develop his/her expertise in the field of damage insurance. This includes courses dealing with: customer service, sales techniques and knowledge transmission methods.
A maximum of five (5) PDUs can be completed during each compliance period.
If you have any further questions regarding the breakdown of PDUs to be earned, please go to the
Questions - Réponses [Question – Answer] page (in French only).
For further details, consult the