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Here are answers to questions often asked by people who receive a
public-sector retirement pension.
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If you opted for direct deposit, your public‑sector retirement pension will be paid, throughout your life, on the 15th of each month or, if the 15th is not a work day, on the preceding work day. However, if your pension is paid by cheque, it will be issued no later than 48 hours before that date.
Simply visit our Direct deposit page and use the online service or complete the form that applies to your situation.
If you wish to make a donation to the Entraide campaign through monthly deductions or by cheque, you must complete the contribution form (fiche de souscription ) available in French only on Entraide’s website – Secteurs public et parapublic.
To avoid any delays in receiving your pension payments, you must inform us as soon as possible of any change concerning your financial institution (change of account number, change of branch, etc.).
To notify us of a change regarding payment of your pension by direct deposit, please visit our Direct deposit page and use the online service or complete the form that applies your situation.
Please see the Change of Address page to find out how to provide us with your new address based on your situation.
Yes. We are required to deduct federal and Québec income taxes from your pension. To determine the amount of the deductions, we assume that your retirement pension is your sole income.
Click on the link below to access the table that shows the approximate net amount of your annual pension (after taxes) calculated on the gross amount of your pension:
Yes, it is possible to modify the income tax deducted from your pension or the personal income tax credit used to determine the amount of your income tax deductions. Visit our Income Tax page.
Income tax slips are sent each year in February.
Yes. As a general rule, the provisions of the law allow Retraite Québec to review the amount of your public-sector retirement pension no later than 3 years after the beginning of your retirement resulting in an increase or decrease. We will inform you in writing of any change in the amount of your pension stemming from such a review. However, since October 2019, new methods have been put into place as to sending participation data between your employer (or employers) and Retraite Québec. That is why your pension is reviewed less frequently, because, by using these new methods, you will receive confirmation of your increased pension amount faster after your retirement date, and it is calculated based on your latest participation data.
A review of your pension can result in a decrease taking into account, for instance, any change in the data used to calculate the initial pension. Such changes to your data must be received no later than the latest of the following dates:
A review of your pension can result in a decrease at the latest 12 months following the date of its review. After that time, the amount of your pension cannot be decreased following a review.
However, if pension amounts have been overpaid to you owing to one of the following three situations which you could have reasonably ascertained, your pension could be decreased after being reviewed, even if the deadline has expired:
These rules also apply to the pensions of persons who ceased to be member of their pension plan before 7 June 2010, but whose pension started being paid after 6 December 2012.
Please note that there is no deadline for reviews of retirement pensions that result in an increase of the amount.
Yes, provided the pensioners’ association you wish to join has signed an agreement with our organization.
If your association has an agreement with us and you wish to have your membership fees deducted from your retirement pension, you must contact your pensioners’ association directly.
To find out which associations have concluded such an agreement with us, please consult the following document:
Yes. However, in order to sign an agreement with us, associations must meet the requirements listed in the following document:
Yes. Your retirement pension will be indexed on 1 January of each year according to the rate of increase of the Pension Index (PI) determined in accordance with the Act respecting the Québec Pension Plan.
The new amount of your pension will appear on the Statement of Benefits that will be sent to you in January.
However, further to legislative amendments to the PPMP on 11 May 2017, indexation of certain pensions under the PPMP will be suspended for a 6-year period.
It depends on the period during which your years of service were accrued and the date on which you retired.
Example:
You retired after 31 December 1999 but before 1 January 2022 Your pension will be indexed as follows:
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Once you begin receiving your pension under the PPMP, it will be indexed on 1 January of each year as follows:
However, indexation of certain pensions is suspended for a 6-year period.*
Indexation of your pension is suspended for 2018 through 2023 if:
Indexation of your pension is suspended for 2021 through 2026 if:
The suspension also applies to surviving spouse’s pensions, retirees under the PPMP who return to work, and employees who are taking advantage of gradual retirement and whose pensions have been suspended. Note that the suspension affects reduced immediate pensions not yet in payment and pensions initially payable under the Government and Public Employees Retirement Plan for non-unionized employees (RREGOP 02).
For all retirement pensions subject to the 6-year suspension, indexation for each period of service resumes after the suspension as follows:
Period of service credited in the public sector | Indexation rate after the suspension period |
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Years of service before 1 July 1982 | 50% of the rate of increase of the PI |
Years of service from 1 July 1982 to 31 December 1999 | Rate of increase of the PI, minus 3% |
Years of service accrued since 1 January 2000 | Rate of increase of the PI, minus 3%, or 50% of the rate of increase of the PI, whichever is greater |
The suspension of indexation and subsequent changes to the applicable indexation rates are also taken into account when calculating certain actuarial values.
* The changes to indexation do not apply to years of service transferred from the TPP or the CSSP, or to pension credits.
For all pensions affected by the 6-year suspension, indexation of each period of service will resume after the suspension as follows:
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Pensions of PPMP members who cease all employment under the plan after 30 June 2019 are indexed in the same way as pensions of RREGOP members (see How will my PPMP pension be indexed?). The same applies to those whose deferred pension takes effect on or after 1 July 2019.
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No. Buy-back pension credits are not indexed. However, they can be increased every 3 years based on the results of the actuarial valuations.
Yes. Your SPP pension credit will be indexed on 1 January of each year using the rate of increase of the Pension Index (PI) determined in accordance with the Act respecting the Québec Pension Plan. In addition, note that, in certain cases, it could be increased every 3 years based on the results of the actuarial valuations.
Yes. Your life annuity and temporary annuity will be indexed on 1 January of each year using the rate of increase of the Pension Index (PI) determined in accordance with the Act respecting the Québec Pension Plan, minus 3%.
Note that, when the PI is equal to or less than 3%, these 2 annuities will not be indexed.
Indexation of additional pensions will be suspended for a 6-year period if they are added to certain pension plans.
Therefore, indexation of your additional pensions is suspended for 2018 through 2023 if:
Indexation of your additional pensions is suspended for 2021 through 2026 if:
After the suspension period, your additional pensions will be indexed as before, using the rate of increase of the pension index (PI), minus 3%.
When you turn 65, your public-sector pension plan will take into account the fact that you also receive a pension under the QPP, which will reduce the pension you will receive under your public-sector pension plan. This process is called integration with the QPP.
Your retirement pension will be reduced as of the month following your 65th birthday.
Note that the portion of the pension corresponding to the years accrued after 35 years of service is not integrated with the QPP. The introduction of the additional plan under the QPP as of 1 January 2019 does not change the existing provisions of public-sector pension plans. Therefore, only the pension paid under the Québec Pension Plan’s base plan is taken into account to calculate the amount of the reduction resulting from integration
Like many of the public-sector pension plans offered by other employers, your plan will be integrated with the QPP. As a result of integration, the total of the pensions payable to a person under the QPP and his or her public-sector pension plan is equal to about 80% of the person's average pensionable salary prior to retirement, provided the person had accrued 40 years of service under the RREGOP as at 31 December 2018.
Integration with the QPP has no effect on the amount of the QPP retirement pension. However, as of age 65, a reduction not linked to integration may apply to your disability or surviving spouse's pensions payable under the QPP.
Yes. Integration with the QPP is provided for under the law that governs your public-sector pension plan.
No. The pension you will receive under your public-sector pension plan will be reduced only as of the month following your 65th birthday, even if you begin receiving your QPP pension before you turn 65.
Yes. Your pension will be integrated as of the month following your death, even if you die before age 65.
Direct Deposit Use the online service or fill out the form that applies your situation. They are available in the Direct deposit page.
Income Tax Modify the income tax deductions withdrawn from your pension or the personal income tax credit used to determine the amount of your income tax deductions. Consult the Income Tax page.
Entraide campaign Fill out this form to make a donation to the Entraide campaign:
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Last update: 2017-10-05