Disability and the Québec Pension Plan
- If your state of health has deteriorated to the point where you can no longer work and you are deemed to be disabled by the Régie, you could receive a disability pension.
- Follow these 4 easy steps to file your application for a disability pension. Your physician must also complete the Medical Report form that accompanies your application.
- If you have worked outside Québec, you still may be entitled to a disability pension. Certain other provisions apply.
- In 2012 , the maximum amount of the disability pension is 1 185,47 $ a month. The amount is taxable.
- For an idea of how much you could receive, consult your Statement of Participation.
- Payment of your pension will start after a waiting period.
- If you are receiving a surviving spouse's pension and you become disabled, you can also receive a disability pension. The two pensions will be paid in a single amount called a "combined pension". There is a maximum combined pension amount.
Your physician's role
When you apply for a disability pension, the medical report by your attending physician's medical report plays an important role.
At age 65
If you are receiving a disability pension, it will automatically be replaced by a retirement pension. The amount of the retirement pension will be reduced by 6% for each year (0,5% for each month) for which you received a disability pension between the ages of 60 and 65. For example, if you receive a disability pension from age 62 to 65, your retirement pension that begins at age 65 will be reduced by 18% (3 years × 6%).
Changes to the actuarial adjustment factor for retirement pensions
As of 1 January 2014, the actuarial adjustment factor for retirement pensions will vary between 0,5% and 0,6% for each month in which you receive a disability pension between age 60 and 65. It will increase progressively between 2014 and 2016. The actuarial adjustment factor will increase proportionally to the amount of the retirement pension, remaining at 0,5% for a person who receives a very low pension, but gradually increasing to 0,6% for a person who receives a maximum pension. Contributors who were born before 1 January 1954 will not be affected by these changes.
You will probably also be entitled to an Old Age Security pension 
from the federal government.
If you had a child when the Régie deemed you to be disabled
If you are granted a disability pension, your children or those who have been living with you for at least one year may be entitled to a pension for a disabled person's child until age 18, even if they work. This pension, which is added to your disability pension, is 71,32 $ a month for each child, in 2012.
You have a child after you are deemed to be disabled
If you have or adopt a child after you are deemed to be disabled, the child can receive a pension for a disabled person's child, provided you file an application.