You are disabled

The criteria used to be deemed disabled are not necessarily the same for the Québec Pension Plan, supplemental pension plans, LIRAs or LIFs.

Québec Pension Plan

• If you become disabled before age 65, you may be entitled to a disability pension under the Plan. If you are already receiving a retirement pension under the Plan, you will have to show that you became disabled no later than 6 months after the first retirement pension payment was made.
• If you are receiving a disability pension under the Plan and you turn 65, it will be automatically replaced with your retirement pension under the Québec Pension Plan.

Supplemental pension plans

• Your private pension plan may have specific provisions that apply in case of disability:
• Defined benefit plan
• Defined contribution plan
• Simplified pension plan.

LIRAs 

• You may be eligible for a refund of your LIRA under certain conditions.

LIFs

• You cannot receive a refund of your LIF. If you transfer your LIF to an LIRA before the end of the year in which you reach age 71, you could be eligible for a refund of the LIRA, under certain conditions.

To find out more...

Consult our section on disability.

Other useful link...