Application for a Retirement Pension Under the Québec Pension Plan
Before you file an application
Did you know that your pension is calculated based on your employment earnings and the
age at which you begin to receive it? Consult your
Statement of Participation in My Account
for more information on the estimates of your retirement pension.
Authentication
Estimate
Complete your application. An estimate of your pension amount will appear on-screen.
Send
Send your application and obtain an acknowledgment of receipt.
Confirmation
Consult the Notice of Decision in My Account.
Tracking
Go digital to not miss a thing thanks to notifications.
You will need:
- the dates of birth of your children, if applicable;
- your banking information to sign up for direct deposit.
When should you apply for your retirement pension?
At age 65, you can receive 100% of your retirement pension. If you apply for your pension after age 65, you will receive a
higher pension for life. Your pension amount will reach its maximum when you turn 72. Therefore, it stops increasing after that age, even if you apply for your pension after that age. If you apply for it between ages 60 and 65, you will receive a lower pension for life.
To determine the right time to retire, you can use CompuPension. With this tool, you can estimate the amounts to which you are entitled and compare several scenarios. This will help you make a better-informed decision.
You can apply for your pension up to 12 months before the time you wish to receive your
first payment. You cannot receive your retirement pension before age 60.
If you are receiving a disability pension, you do not need to apply for a retirement pension because you will automatically receive it as of age 60. For more information, consult
If you are already receiving a disability pension and you are under age 60 page.
How do you apply for your retirement pension?
Access My Account and choose of the following two options:
-
Québec Pension Plan – Application for a Retirement Pension;
The online service allows you to choose the date on which payment of your pension is to begin
in the next 12 months. It also allows you to find out the amount of your pension per month before sending us your application. If you are age 65 or over, you can choose a
retroactive pension. -
Simplified Spotlight on your retirement application;
The online service indicates when payment of your pension begins
only in the month following the one during which you file your application. For example, if you file your application in April, payment of your pension will begin at the end of May. Generally, the simplified application is available in My Account as of age 64 and 6 months, if it is offered to you.
Other way of applying for your retirement pension
You can also complete the Application for a Retirement Pension Under the Québec Pension Plan form and send it to us online.
Processing times
We are committed to replying to applications for a retirement pension under the Québec Pension Plan (QPP) within a period that varies depending on the method used to send them:
-
Online in
My Account: we will reply to your application not later than five days after we have received it.
-
Form sent via the
Sending your documents section or by mail: we will reply to your application not later than 50 days after we have received it.
You can track your application in My Account.