Régie des rentes du Québec

Retiring 

Québec Pension Plan

  • The amount of your pension is based on the employment earnings recorded under your name since 1966, the year in which the Québec Pension Plan began. A pension varies according to the age at which you begin to receive it, depending on whether payment begins before or after your 65th birthday.
  • The Régie des rentes du Québec does not count certain months with low earnings or no earnings. That increases your average monthly earnings to increase the amount of your retirement pension.
  • The pension under the Québec Pension Plan is indexed each year in January based on changes in the cost of living.
  • Payment of your pension is not automatic. You have to apply for it. It is recommended that you file your application from 1 to 3 months before the date you wish to begin receiving your pension.
  • A retirement pension is taxable.
  • If you are receiving a retirement pension and you work, you will receive a retirement pension supplement the following year.

Supplemental pension plans

  • You can draw a retirement income in different ways depending on your type of supplemental pension plan: defined contribution pension plandefined benefit pension plan or a simplified pension plan.
  • Depending on your situation, your retirement income may come from a life income fund (LIF), an annuity contract purchased from an insurer or directly your pension plan (unless it is a simplified plan).
  • Your retirement income may or may not be indexed. That depends on the characteristics of your plan the payment options that you select.
  • Your retirement income is taxable.

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