Members who work outside Québec

Do some members of your pension plan work outside Québec? Their rights and benefits under the plan must be determined in accordance with the pension plan legislation in effect in the province or territory where they work.

Provinces or Territories	Applicable Laws	Agencies
Alberta	Employment Pension Plans Act	Finance
British Columbia	Pension Benefits Standards Act	Financial Institutions Commission
Manitoba	The Pension Benefits Act	Manitoba Labour and Immigration – Office of the Superintendent – Pension commission
New Brunswick	Pension Benefits Act	Justice and Consumer Affairs - Office of the Superintendent of Pensions
Newfoundland and Labrador	Pension Benefits Act	Government Services
Nova Scotia	The Pension Benefits Act	Labour and advanced Education
Ontario	Pension Benefits Act	Financial Services Commission
Québec	Supplemental Pension Act	Régie des rentes du Québec
Saskatchewan	The Pension Benefits Act	Financial Services Commission - Pension Plan – Administrators    Financial Services Commission - Pension Plan – Members
Yukon, Northwest Territories and Nunavut	Pension Benefits Standards Act, 1985note 1	Office of the Superintendent of Financial Institutions

Note 1: This law also applies to pension plans offered by employers in the private sector whose activities fall under federal jurisdiction (banks, interprovincial transport and telecommunications companies, etc.).

* This federal law also applies to employer sponsored pension plans in the private sector whose activities are under federal jurisdiction (banking, interprovincial transportation, telecommunications, etc.).

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 Act does not apply to the following plans:

  • pension plans in the public and para-public sectors that are administered by the Commission administrative des régimes de retraite et d'assurances (CARRA)

  • 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 covers workers 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