Entitlement to a retirement pension
- You can receive a retirement pension if you contributed to the Québec Pension Plan and are at least 60 years of age.
- To be eligible for your retirement pension, you must have contributed to the Plan for at least one year. After age 65, you can begin receiving a retirement pension even if you have not stopped working.
- If you are between 60 and 65 years of age, you must have stopped working or your salary must have been reduced by at least 20% following an agreement with your employer in view of retirement. The Régie considers that you have stopped working if your employment earnings for 12 months are not greater than 12 775 $.
- If you worked elsewhere in Canada, we also take into account contributions made to the Canada Pension Plan when calculating the amount of your retirement pension.
- If you no longer live in Québec, you are still entitled to your pension.
- You cannot receive your retirement pension before age 65 if you are receiving an unreduced income replacement indemnity from the Commission de la santé et de la sécurité du travail (CSST) or if you are entitled to an indemnity from the Société de l'assurance automobile du Québec (SAAQ) coordinated with a disability pension of the Régie.
- Payment of your pension is not automatic.You must file an Application for a Retirement Pension to receive it.
On or after 1 January 2014, you no longer need to have stopped working or reached an agreement to reduce your working hours in order to receive your retirement pension under the Plan before age 65. As a result, persons age 60 and over who contributed to the Plan for at least one year will be able to receive a retirement pension, even if they continue to work on a part-time or full-time basis.
Other useful links...