Changes to the disability pension under the Québec Pension Plan
Since 1 January 2022, financial protection for disabled persons age 60 or over has been improved to better reflect their reality.
New, more advantageous measures were implemented following the amendments made to the Act. They allow us to:
- increase the retirement pension of disabled persons
- provide more flexible eligibility rules for disability benefits
- offer greater flexibility to disabled workers.
- More flexible eligibility rules
- Increased amount of authorized employment earnings
- An enhanced retirement pension for retirees having received disability benefits between ages 60 and 65.
- Even more flexible eligibility rules
- Enhanced pensions for disabled persons age 60 or over
- Better continuity of payment in the work-retirement transition for a disabled person
- A simplified harmonization with other pensions received and indemnities paid by other agencies (e.g.:
SAAQ and CNESST).
The first changes will gradually be implemented during 2022. This means that, gradually, the concerned disabled persons will benefit from these advantages, which will be applied retroactively to January 2022.
The persons impacted by these changes do not have any steps to take as all the files will be reviewed, and the required adjustments will be applied, if applicable.
Advantages for retirees as of 2022
The retirement pension for persons having received a disability pension between the ages of 60 and 65 will be enhanced in the summer of 2022. This adjustment impacts:
- retirement pensions for disabled persons being paid on 1 January 2022
- retirement pensions for disabled persons turning 65 in 2022 or 2023.
Therefore, more than 70 000 retirees who benefited from the disability pension between ages 60 and 65 will have their pension amount enhanced retroactively to 1 January 2022. The amounts corresponding to the enhancement of payments from January to June 2022 will be paid as of July 2022. The increase, for a person who began receiving his or her disability pension before age 60, will vary between 17.1% and 18.8% of his or her monthly pension.
An adjustment of the retirement pension is always applied, but the adjustment factor will vary between 0.3% and 0.4% per month during wich a disabled person receives the disability pension, instead of between 0.5% and 0.6% per month.
The increase in the retirement pension amount therefore varies based on the pension amount and the number of months during which the beneficiary received a disability pension between the ages of 60 and 65.
Advantages for workers as of 2022
In order to help disabled persons keep their employment or return to work, the rules were made more flexible regarding the amount of authorized employment earnings to become eligible for a disability pension or to maintain their eligibility.
- the authorized annual employment earnings have been increased and are now $19 656.
- whereas the disability pension previously ended when the sum of the earnings for 3 consecutive months exceeded the authorized quarterly amount, it will now be maintained provided that the authorized annual amount is not exceeded, regardless of the distribution of the earnings throughout the year.
If you believe that your gross earnings could exceed the authorized annual amount, please contact us. That way, you can avoid having to repay amounts to which you are not entitled.
A new calculation as of 2024
In order for the financial protection offered to disabled persons as of age 60 to be enhanced, the disability pension payable as of that age will be changed.
Under the new rules, these persons will be able to simultaneously receive a retirement pension and a flat-rate portion of the disability pension. In all cases, the amount received by the disabled person will be greater than the current amount for the disability pension.
Other changes regarding eligibility for those benefits will also become effective as of that date.