The conditions of payment under your pension plan

Beginning of your retirement pension

Before age 65, the retirement pension cannot be paid until the latest of:  

• the month after your 60th birthday;
• the month after the Régie receives your pension application;
• the month after you stopped working, or the month after the date on which the Régie considers that you stopped working. 

Note that...

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• The retirement pension, whether reduced or increased because of age, will remain so for as long as the pension is being paid.
• The retirement pension is adjusted in January each year to reflect changes in the cost of living.
• The retirement pension is paid on the last working day of the month. See the payment dates. 

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Retroactive pension payment

A retroactive retirement pension can cover a maximum of 60 months (5 years) and cannot begin before the 65th birthday. 

• If you are between age 65 and 70 and you are still working, payment of your pension will start in the month following the date on which we receive your application.
• If you are over age 65 and have stopped working, you can receive a retroactive retirement pension.
• If you are over age 70 and are still working, you can receive a retroactive retirement pension as from the month following your 70th birthday.

How often are payments made?

Your pension will be paid either by cheque or by direct deposit on the last working day of the month.

Take advantage of direct deposit!

Simply fill out the request for Direct Deposit.

Direct deposit - A safe and advantageous option for those who live outside Canada

In certain cases, your pension can be paid by direct deposit in the currency of your country of residence. This method of payment is safe and eliminates transaction fees for cashing cheques in Canadian dollars or other currencies.

Payment dates

See the payment dates for retirement pensions.