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When you leave your job, you are under 55 years old and have less than 2 years of service

Plans concerned: The RREGOP and the PPMP


Here are answers to questions often asked by people who leave their job and go work for an employer who does not offer any pension plan.

Click on the topic of your choice:

 

Refund of your Contributions

If I leave my job, can I obtain a refund of my contributions?

Yes. You can obtain a refund of your contributions because, at the time you leave your job:

  • You are under 55 years old; and
  • You have less than 2 years of service credited for eligibility for benefits (regardless, however, of service added to complete a year).

Note that your contributions will be refunded with interest.

What do I have to do to obtain the refund to which I am entitled?

First, you must wait at least 210 days after resigning to apply for reimbursement. At the end of that period, you must complete the Application for Retirement Pension Under a Public-Sector Pension Plan This link will open in a new window. PDF. (RSP-079A) form and send it to us.

Note: Each employer for which you worked during all or part of the last 2 years must fill out part of the form in order for us to process your application.

If I obtain a refund of my contributions and then go back to work in the public or parapublic sector at some point, can I have the years of service for which I obtained the refund recognized again?

No. The act governing your pension plan does not allow years of service for which contributions have been reimbursed to be recognized again.

I currently work for 2 organizations within the public sector. I’m about to leave my job in one of those organizations but will continue to work for the other. Can I obtain a refund of the contributions I paid in relation to the job I am leaving?

No. If you participate in a pension plan in more than one organization, you must have left all of your jobs in order to be entitled to a refund of your contributions. Furthermore, you must wait at least 210 days after resigning from all the jobs to file an application for reimbursement.

Can I choose to leave my pension plan contributions with your organization?

Yes. Interest will then be added to the funds accumulated in your pension plan until you apply for a refund of your contributions.

Note that the interest rates for the RREGOP and the PPMP are set on 1 June of each year. For the period of 1 June 2020, to 31 May 2021, the interest rate for the RREGOP is 7.73% and that for the PPMP, 7.53%.

In addition, if you go back to work in the public or parapublic sector at some point, you will again become a member of a pension plan and your recognized years of service with your new employer will simply be added to the years accumulated under the RREGOP or the PPMP.

 

Useful Form

Fill out this form to apply for a refund of your contributions and send it to us online:

 

To Learn More About Your Public-Sector Pension Plan