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.
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.