Simulated partition of employment earnings
Why apply for a simulation?
The simulation will allow you to find out whether partition of employment earnings recorded under the Québec Pension Plan or Canada Pension Plan, if applicable, with those of your former spouse will be to your advantage. By requesting a simulation, we will send you an estimate of the amount of your retirement pension before and after partition. Therefore, if you are considering renouncing partition, be sure to have all the information on hand in order to make the right decision.
Regardless of your situation, it's a good idea to apply
Do you work?
Even if you and your former spouse earn the same salary, partition could be advantageous. For example, if you left your job to go with your spouse to a foreign country or if you started your own business or went back to school, it is likely that during those years, no amounts were recorded under your name under the Québec Pension Plan or Canada Pension Plan, if applicable. Partition could make a big difference to your future retirement pension.
In addition, if you received family benefits for any children under seven, partition could increase your pension, since the periods during which family benefits were received are factored in to your advantage.
Are you or your former spouse currently receiving a retirement pension?
Partition could increase or decrease your pension.
You never worked?
Partition could render you eligible for a retirement pension or disability benefits, or render your family members eligible for survivors' benefits.
- Only the employment earnings recorded under the Québec Pension Plan or Canada Pension Plan, if applicable, under the names of both former spouses can be partitioned and divided equally for the period of the union.
- In general, amounts are not paid following partition.
- The earnings will be used to calculate the amount of benefits that will be paid to you when the time comes.
If the proceedings for divorce, separation from bed and board (legal separation), annulment of marriage, or dissolution or annulment of civil union have not yet begun, or if you are in a de facto union, you must obtain your spouse's consent before you can apply for a simulated partition of employment earnings.
It's simple, fast and free
You or your advisor can apply for a simulation by filling out the appropriate form: