The Québec Pension Plan

The Québec Pension Plan is a compulsory public insurance plan for workers age 18 and over whose annual employment income is greater than 3 500 $. Its purpose is to provide persons who work in Québec (or have worked in Québec) and their families with basic financial protection in the event of retirement, death or disability. The Plan's future is guaranteed, thanks to the passage of the Act to amend the Act respecting the Québec Pension Plan and other legislative provisions  in 2011.

Contributions to the Plan

The Québec Pension Plan is funded by contributions made by Québec workers and employers. Contributions are collected by Revenu Québec and are administered by the Caisse de dépôt et placement du Québec. 

In 2016, the contribution rate for the Québec Pension Plan is 10,65%. The rate applies to the portion of employment earnings between the basic exemption of 3 500 $ and the maximum earnings on which contributions can be made in 2016, which is 54 900 $. 

What type of financial protection does the Plan offer?

Here are the different pensions and benefits that we can offer to persons and, in certain cases, their families, who have made sufficient contributions to the Plan: 

• At retirement
  • retirement pension
  • retirement pension supplement
• In the event of disability
  • disability pension
  • pension for a disabled person's child
  • additional amount for disability for persons receiving a retirement pension
• In the event of death
  • death benefit
  • surviving spouse's pension
  • ophan's pension

To find out maximum amounts for pensions paid in 2016 

Québec Pension Plan Figures gives basic information on the Québec Pension Plan and the maximum monthly amounts of pensions paid under the Plan in 2016.

For Quebeckers working abroad

A worker and his or her spouse may be entitled to a retirement, disability, surviving spouse's or orphan's pension paid by a foreign country. The following conditions must, however, be met:

• He or she must work or have worked in a country who signed a social security agreement with Québec.
• He or she must be a resident of Québec.

A certificate of coverage for work abroad can be obtained from our Bureau des ententes de sécurité sociale (BESS).

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