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Members who work outside Québec

Do some members of your pension plan work outside Québec? Their rights and benefits under the plan must be determined in accordance with the pension plan legislation in effect in the province or territory where they work.


Provinces or Territories Applicable Laws Agencies
Alberta Employment Pension Plans Act This link will open in a new window. Treasury Board and Finance - Office of the Alberta Superintendent of Pensions This link will open in a new window.
British Columbia Pension Benefits Standards Act This link will open in a new window. Financial Institutions Commission  Superintendent of PensionsThis link will open in a new window.
Manitoba The Pension Benefits Act This link will open in a new window. Manitoba Finance – Office of the Superintendent – Pension Commission This link will open in a new window.
New Brunswick Pension Benefits Act This link will open in a new window. Financial and Consumer Services Commission - Office of the Superintendent of Pensions This link will open in a new window.
Newfoundland and Labrador Pension Benefits Act, 1997 This link will open in a new window. Service NL This link will open in a new window.
Nova Scotia The Pension Benefits Act This link will open in a new window. Finance and Treasury Board  Nova Scotia Office of the Superintendent of Pensions This link will open in a new window.
Ontario Pension Benefits Act This link will open in a new window. Financial Services Regulatory Authority (FSRA) This link will open in a new window.
Québec Supplemental Pension Plans Act Retraite Québec
Saskatchewan The Pension Benefits Act, 1992 This link will open in a new window.

Financial and Consumer Affairs Authority :

Yukon, Northwest Territories and Nunavut Pension Benefits Standards Act, 1985 This link will open in a new window. note 1 Office of the Superintendent of Financial Institutions Canada This link will open in a new window.

Note 1 : This law also applies to pension plans offered by employers in the private sector whose activities fall under federal jurisdiction (banks, interprovincial transport and telecommunications companies, etc.).

Worth knowing about...


  • The Supplemental Pensions Plan Act applies to pension plans in Québec that are subject to provincial jurisdiction and sponsored by employers in the private sector, the municipal sector and certain plans in the para-public sector.

  • The Supplemental Pensions Plan Act also applies to pension plans registered in another Canadian province or territory in respect of work performed in Québec.

  • The Supplemental Pensions Plan Act does not apply to the following plans:

    • pension plans in the public and para-public sectors that we administer

    • pension plans of companies in the private and public sectors whose activities fall under federal jurisdiction (banking, interprovincial transportation, telecommunications, federal public service, etc.)

    • individual and group RRSPs.

    • If a pension plan has members in more than one province, the plan administrator must ensure that the laws of each province, as the case may be, are applied for the purpose of determining the rights and benefits of each member and beneficiary.

    Exception for SIPPs

    The simplified pension plan (SIPP) was developed specifically for Québec workers. Some of its rules are not compatible with the laws of other Canadian provinces.

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The Gouvernement du Québec publishes its Web pages in French. Consistent with the Charter of the French Language and to inform stakeholders outside Québec, this page is also published in English.