Members who work outside Québec

Do some members of your pension plan work 

Their rights and benefits under the plan must be determined in accordance with the pension plan legislation in effect in their province or in accordance with federal legislation. An agreement entered into between different government authorities that specifies how various plan legislation must be applied.


Provinces, Territories or Government  Applicable Laws Agencies
Alberta Employment Pension Plans ActThis link will open in a new window. Alberta Treasury Board and Finance This link will open in a new window.
British Columbia Pension Benefits Standards ActThis link will open in a new window. BC Financial Services Authority This link will open in a new window.
Federal, Yukon, Northwest Territories and Nunavut Pension Benefits Standards Act, 1985This link will open in a new window. Office of the Superintendent of Financial Institutions Canada This link will open in a new window.
Manitoba The Pension Benefits Act This link will open in a new window. Manitoba Finance – Pension Commission  This link will open in a new window.
New Brunswick Pension Benefits ActThis link will open in a new window. Financial and Consumer Services Commission This link will open in a new window.
Newfoundland and Labrador Pension Benefits Act, 1997This link will open in a new window. Service NL This link will open in a new window.
Nova Scotia Pension Benefits Act This link will open in a new window. Finance and Treasury Board This link will open in a new window.
Ontario Pension Benefits ActThis link will open in a new window. Financial Services Regulatory Authority (FSRA) This link will open in a new window.
Québec Supplemental Pension Plans Act Retraite Québec
Saskatchewan The Pension Benefits Act, 1992This link will open in a new window.

Financial and Consumer Affairs Authority :

Worth knowing about...


  • The Supplemental Pensions Plan Act applies to pension plans in Québec that are subject to provincial jurisdiction and sponsored by employers in the private sector, the municipal sector and certain plans in the para-public sector.

  • The Supplemental Pensions Plan Act also applies to pension plans registered in another Canadian province or territory in respect of work performed in Québec.

  • The Supplemental Pensions Plan Actdoes not apply to the following plans:

    • pension plans in the public and para-public sectors that we administer

    • pension plans of companies in the private and public sectors whose activities fall under federal jurisdiction (banking, interprovincial transportation, telecommunications, federal public service, etc.)

    • individual and group RRSPs.

    • If a pension plan has members in more than one province, the plan administrator must ensure that the laws of each province, as the case may be, are applied for the purpose of determining the rights and benefits of each member and beneficiary.

    Exception for SIPPs

    The simplified pension plan (SIPP) was developed specifically for Québec workers. Some of its rules are not compatible with the laws of other Canadian provinces.

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