Retirement pension supplement


Workers who are already receiving a retirement pension under the Québec Pension Plan (QPP) and who work  must contribute to the Plan once your earnings exceed the $3500 basic exemption.

These contributions entitle you to an increase in your retirement pension: the retirement pension supplement. No application needs to be filed because we will automatically pay it.

  • The supplement is added to your pension for the rest of your life.
  • The supplement is payable as of 1 January of the year following the one during which you made contributions.
  • The total supplement for 2021 is 0.548% of the earnings on which you contributed during the previous year. Due to the enhancement of the QPP in effect since 2019, the supplement will continue to increase until 2024, the year during which it will be 0.66% of the earnings on which he or she contributed during the previous year.

  • Your pension increases even if you are already receiving the maximum regular pension payable.
  • Your pension continues to increase on a yearly basis as long as you continue to make contributions.
Important

Even if the supplement is payable as of 1 January, it usually takes a few months before we receive from Revenu Québec the information required to calculate it. We will pay the amounts owing retroactive to 1 January.


Example

Louise is receiving a retirement pension of $750 per month. In 2020, her employment earnings were $22 700. She contributes to the Québec Pension Plan based on employment earnings of $19 200 ($22 700 minus the basic exemption of $3500). On 1 January 2021, Louise was be entitled to a supplement of about $9 a month ($19 200 x 0.548% = $105 a year) because of the contributions she made. If she continues to work in the following years, new supplements will be added to her pension for each year worked.

Note that...

If you are receiving a retirement pension under the Canada Pension Plan and you work in Québec, you could receive a retirement pension supplement under the Québec Pension Plan. If you contribute to the Plan, we will automatically pay you the supplement without you having to apply for it. Due to the enhancement of the QPP in effect since 2019, the percentage used to calculate the retirement pension supplement gradually increases from 0.5% to 0.66% of the earnings on which they contributed during the previous year.


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