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You have worked for an employer of the public or parapublic sector and participated in the Teachers Pension Plan (TPP) or the Civil Service Superannuation Plan (CSSP)

Plans concerned: The RREGOP and the PPMP


Here are answers to questions often asked by people who have a new position in the public or parapublic sector and previously participated in the TPP or the CSSP.

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Membership in Your Public-Sector Pension Plan

Is membership in the pension plan offered by my new employer mandatory?

Yes. Membership in the pension plan is an integral part of your working conditions.

Do I have to fill out a form to become a member of the pension plan?

No. Your employer will provide us with all the information regarding your membership in the plan. Your employer will also collect your contributions to the pension plan on our behalf.

Do I have to contribute to my pension plan throughout my entire working career?

Yes. You will contribute to your pension plan until you have accumulated the maximum service (40 years as at 31 December 2018), without taking into account the years during which you acquired a pension credit This link will open in a new window. or a paid-up annuity This link will open in a new window..

Note that, even if you did not accumulate the maximum service, you can no longer contribute to your pension plan after 30 December of the year in which you turn 69 if you participate in the RREGOP, or 71 if you participate in the PPMP.

Where can I find details on my pension plan membership?

For more information on your participation in your public-sector pension plan, consult your personalized Statement of Participation, which you receive every year. This simple tool helps you plan your retirement.

Your statement summarizes your public-sector pension plan participation using the most recent participation data provided by your employer. The data provided is for the period until 31 December of the year indicated on your Statement. In addition, it shows you the benefits to which you could be entitled when you retire or your employment ends.

Your statement also informs you of your rights and benefits regarding your participation in a public-sector pension plan, such as the days of absence that you can buy back. That information makes it possible for you to assess how a buy-back of your days of absence will affect your pension and when you retire using the Buy-Back Cost Estimator tool.

You will need your statement:

  • for an overview of your retirement income under your public-sector pension plan;
  • to plan your retirement;
  • to use our Buy-Back Cost Estimator tool to assess how a buy back of your days of absence will affect your pension and when you retire;
  • to use our Pension Estimator tool to obtain other retirement scenarios;
  • for when you meet with your financial planner.

How can I obtain the participation data for all the years during which I contribute to my pension plan?

The Statement of Contributions contains the history of your participation data. You need to request it by filling out the form Application for a Statement of Contributions This link will open in a new window. (008A).

 

You Received a Refund of Your TPP or CSSP Contributions

I left my public-sector position several years ago and received a refund of my contributions to the Civil Service Superannuation Plan. I’m working in the public sector again and I am a member of the RREGOP. Can I have my previous years of service accrued in the CSSP recognized by my current pension plan?

No. Please note that you may not buy back your years of membership in the Civil Service Superannuation Plan (CSSP) if your CSSP contributions were refunded to you under the RREGOP or the PPMP. The same rule applies if you participated in the Teachers Pension Plan (TPP).

However, if the contributions refunded after a resignation, a layoff or the end of membership is imputable to marriage, maternity leave or adoption leave, in those cases and under certain conditions, the buy-back of service would be possible.

 

You did not Receive a Refund of Your TPP or CSSP Contributions

I was a member of the Teachers Pension Plan (TPP) for 14 years. When I left teaching in 1986, I did not receive a refund of my contributions. I’m about to start a new position in the public sector and will be participating in the RREGOP. Can I have my previous years of service accrued in the TPP transferred to the RREGOP?

No. Years of membership in the TPP or the CSSP may no longer be transferred to the RREGOP or the PPMP.

However, the number of years you participated in the TPP will be used to determine your eligibility for a retirement pension under the RREGOP, provided that you were not already receiving a TPP pension when your membership in the RREGOP ceased. Besides, your years of TPP membership will entitle you to a deferred pension This link will open in a new window. payable at age 65 if you are a man, at age 60 if you are a woman, or to an immediate pension This link will open in a new window., as applicable. Note that the same rule would have applied if you had participated in the CSSP.

 

Useful Link

 

To Learn More About Your Public-Sector Pension Plan