Quebec Pension Plan

The Quebec Pension Plan is administered by the Régie des rentes du Québec and is compulsory for workers age 18 or over who earn an annual employment income of over $3,500 and who do not receive a disability pension. However, personnel of the Royal Canadian Mounted Police and the Canadian Armed Forces working in Quebec fall under the Canada Pension Plan. Entitlement to the various pensions is subject to conditions specific to each one of them, and the individual must have paid contributions for a minimum period, which varies according to the type of pension. 

A reduced retirement pension may be paid at age 60 subject to certain conditions. A disability pension may be payable to a disabled person under age 65 who has contributed sufficiently to the Quebec Pension Plan and whose disability is permanent and prevents the person from engaging in any kind of paid employment. However, if a person is between 60 and 65 years old, the only condition he must satisfy to be eligible for the disability pension is that he be incapable of pursuing his usual gainful occupation and has been forced to quit because of disability. Survivors’ benefits are payable upon a contributor’s death, provided the contributor has contributed sufficiently to the Quebec Pension Plan.

To find out more about eligibility requirements for the various benefits under the Quebec Pension Plan, visit the Régie des rentes du Québec Web site or call one of the numbers provided below.

The Régie des rentes du Québec also administers the Supplemental Pension Plans Act and the Refundable Tax Credit for the Child Assistance Program.

 
2009
2010
Maximum pensionable earnings
$46,300.00
$47,200.00
Basic exemption
$3,500.00
 
$3,500.00
Maximum employee’s contributions: 4.95% of maximum contributory earnings
$2,118.60
$2,163.15
Maximum employer’s contributions: 4.95% of maximum contributory earnings
$2,118.60
$2,163.15
Maximum contributions for self-employed workers
$4,237.20
$4,326.30
Maximum monthly retirement pension at age 65
$908.75
$934.17
Monthly pension to surviving spouse under age 45
 
·         not disabled, without dependent children
 
 
·         not disabled, with dependent children
 
 
·         disabled with or without dependent child
 
 
from $108.69
to $449.47
 
from $394.04
to $734.82
 
from $424.40
to $765.18
 
 
from $109.12
to $459.43
 
from $395.62
to $745.93
 
from $426.10
to $776.41
Monthly pension to surviving spouse between age 45 and 54
from $424.40
to $765.18
from $426.10 to $776.41
Maximum monthly pension to surviving spouse age 65 or over
$545.25
 
$560.50
Death benefit
$2,500.00
$2,500.00
Monthly disability pension
from $424.40
to $1,105.96
from $426.10
to $1,126.73
Monthly pension for orphan or child of a disabled parent, per child
$67.95
$68.22
Indexation rate of pension
2.5%
0.4%

N.B. These benefits are taxable.
Additional Information

Quebec City: 418 643-5185

Montreal: 514 873-2433

Elsewhere in Quebec (toll free): 1-800-463-5185

Service for the deaf and hearing impaired (TDD, teleprinter): 1-800-603-3540

Web site: www.rrq.gouv.qc.ca/en/

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