Your retirement pension under the Québec Pension Plan

The retirement pension paid under the Québec Pension Plan is part of the basic income that a person can receive as early as age 60 if he or she contributed to the Plan.

At age 65

  • He or she could also receive an Old Age Security pension paid by the federal government.
  • The retirement pension and the Old Age Security Pension may be complemented by other sources of income.

    Supplemental pension plans, commonly called "pension funds," and registered retirement savings plans (RRSPs).

The retirement pension is calculated on the basis of the employment earnings on which a worker paid contributions to the Plan.

The Statement of Participation in the Québec Pension Plan

Every 4 years, Retraite Québec automatically sends a Statement of Participation to all contributors participating in the Québec Pension Plan. You can consult it online and choose to no longer receive it in a paper format by choosing the digital option at any time. You can also sign up for notifications to receive an email and/or a text message when the Statement is uploaded to your file.

What does a Statement of Participation contain?

  • The earnings on which contributions were made to the Québec Pension Plan and the Canada Pension Plan.
  • An estimate of the amount of the disability pension to which the worker could be entitled if he or she is deemed to be disabled.
  • An estimate of the current monthly amount of the retirement pension to which the worker will be entitled at age 60 and at age 65, should he or she decide to apply for a retirement pension
  • An estimate of the projected monthly amount of the retirement pension to which the worker would be entitled at age 60 and at age 65 if he or she continued to contribute on earnings similar to those already recorded.
  • An estimate of the amount of the surviving spouse's pension and the other benefits to which a worker's family would be entitled if he or she were to die.

It is important for workers to make sure that all the employment earnings on which they contributed to the Québec Pension Plan are in fact correctly recorded. If there are any errors, you must notify us by completing the form entitled Request for Corrections to Pensionable Employment Earnings.

What happens in the event of a separation?

The earnings recorded under the names of both former spouses are added together for each year subject to partition, and are then divided equally between them. The new amounts will eventually be used to set the amount of benefits.

Note that...

Former spouses will not receive any money before they become entitled to receive a pension from the Québec Pension Plan.

For more information on...

Did you know?

Your retirement pension under the Québec Pension Plan will not be paid automatically. You must apply for it.
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