Québec Pension Plan after you retire

Have you retired? The following information will help answer your questions about the Québec Pension Plan (QPP).

Are you already receiving your retirement pension under the Québec Pension Plan (QPP)?

You can work and continue receiving it. In that case, you will receive a retirement pension supplement.

Your pension increases each year in January because it is adjusted to the cost of living. It is adjusted in the year following the first payment. Your pension is paid on the last working day of each month. See our calendar to find out the payment dates.

Your pension is taxable. It is therefore considered as income when calculating income tax. However, tax deductions are not automatically carried out. If you would like, you can request for at source tax deductions. You can reduce your income taxes by sharing your retirement pension with your spouse.

In the event of a divorce or separation, partition of the employment earnings entered in your file under the QPP may be carried out upon request. After partition, the amount of your pension will be adjusted.

You are not receiving your retirement pension under the QPP?

Here are questions to ask yourself before applying for your retirement pension.

Good to know

Are you unable to do your usual work or are your employment earnings decreasing due to your state of health? You could be entitled to a disability pension. That is the case if you are under age 65, whether you receive or not a retirement pension under the QPP.

If your spouse dies, you could be entitled to a surviving spouse's pension.