What's New in 2018

A seminar on perspectives with regard to the Québec Pension Plan

On 1 November 2018, Retraite Québec held a seminar called Perspectives démographiques, économiques et financières 2018‑2068 (Demographic, economic and financial perspectives for 2018‑2068; French only) and took advantage of the opportunity to begin its work on the actuarial valuation of the Québec Pension Plan (QPP) as at 31 December 2018. Our actuaries attended expert presentations on various factors that will have a significant impact on the Plan's financing in coming decades.

15 November 2018

Can a locked-in retirement account (LIRA) or a life income fund (LIF) be seized?

Find the answer to the question in the FAQ about LIRAs and LIFs.

1 November 2018

The 2019 training schedule concerning supplemental pension plans is available. Sign up now!

Are you a member of a pension committee or are you thinking about becoming one? Retraite Québec offers training courses that will allow you to acquire basic knowledge about the Supplemental Pension Plans Act and administering a pension plan. Please note, places are limited. Sign up by 31 January 2019.

1 November 2018

Establishing a funding policy for defined benefit supplemental pension plans

The person empowered to amend a defined benefit supplemental pension plan must establish a funding policy by 4 January 2019. A funding policy allows the plan administrator to manage the main risks related to funding of the pension plan.

1 November 2018

MAG.RQ: the latest issue is online!

Read Retraite Québec's latest edition of MAG.RQ.

1 November 2018

​New edition of The PPMP at a Glance

This information bulletin outlines the main amendments that will take effect on 1 July 2019 to the Pension Plan for Management Personnel (PPMP). The bulletin also includes information for retirees who return to work, the return on the PPMP members fund for 2017, as well as highlights of the most recent actuarial valuation.

31 October 2018

​Statistics on child assistance

Consult Statistiques 2017 – Soutien aux enfants (2017 statistics on child assistance; French only). The document describes the families that received child assistance benefits in 2017.

18 October 2018

Notify us if your family situation has changed

If your family situation changes, Retraite Québec recalculates the amount of your child assistance payments. For example, to receive the amounts to which you are entitled, you must contact us if you have just obtained shared custody, or if there is a change in your conjugal status or in the number of children in your care. You can reach us at 1 800 667-9625.

18 October 2018

Amendments to certain public-sector pension plans​

Various regulations applicable to the Pension Plan of Management Personnel (PPMP) have recently been amended, resulting in changes to both the PPMP and the Retirement Plan for Senior Officials (RPSO). For more information, click on the following link.

11 October 2018

Come meet us at the Salon FADOQ 50 ans +

Retraite Québec is taking part in Salon FADOQ 50 ans + This link will open in a new window., which is being held from 28 to 30 september at the Centre de Foires de Québec. Retraite Québec will present you the various services it offers and you will discover a wealth of information on retirement and financial planning for retirement.

The Salon FADOQ 50 ans + is free for everyone.

28 September 2018

​Possible interruption of postal services and delays in submitting documents required under the Supplemental Pension Plans Act

Retraite Québec wishes to remind you that the plan administrator is responsible for taking the necessary steps to ensure the documents required under the Supplemental Pension Plans Act are sent on time, whether or not the postal services are interrupted.

The actuarial valuation report as at 31 December 2017 must be submitted to Retraite Québec by 30 September 2018.

25 September 2018

​International social security agreement between Québec and Poland

On 1 September 2018, a new social agreement between Québec and Poland will come into force. The agreement will enable Québec citizens to obtain a certificate of coverage for work in Poland and to apply for a retirement pension under that country's social security system. Retraite Québec's Bureau des ententes de sécurité sociale (BESS) acts as the liaison agency between countries that have signed an international social security agreement with Québec. To find out more, please consult the section concerning international social security agreements.

31 August 2018

Obligations with respect to untraceable members and beneficiaries

The obligations of the plan administrator with respect to untraceable members and beneficiaries concern control measures, locating untraceable members or beneficiaries, as well as remitting unclaimed property to Revenu Québec.

27 August 2018

Points to consider: Actuarial valuations and other documents prepared by an actuary

Retraite Québec has provided actuaries with a few points to consider with regard to actuarial valuations and other documents pertaining to a supplemental pension plan.

19 July 2018

Report on the activities related to the integration of disabled people

Retraite Québec's Bilan des résultats relativement au Plan d'action à l'égard des personnes handicapées 2017-2019 (Report on the results related to the 2017-2019 Action plan for people with disabilities; French only) describes the steps we took last year as well as our future objectives and measures to better integrate disabled people within our organization.

21 June 2018

​The supplement for handicapped children with exceptional care needs: More flexible eligibility requirements

Some of the eligibility requirements for the supplement for handicapped children with exceptional care needs have been made more flexible. To ensure that all families that are now eligible receive the supplement, Retraite Québec's team of professional physicians and psychologists will carry out a new analysis of the files that were rejected in order to take into account the more flexible criteria. Retraite Québec will contact the families. No action is required on the part of those families.

For more information, consult the Gouvernement du Québec's press release This link will open in a new window. (French only) as well as our infographic This link will open in a new window..

20 June 2018

MAG.RQ: The Québec Pension Plan and entering the workforce

Check out the latest issue of MAG.RQ, Retraite Québec's magazine.

20 June 2018

More financial institutions added for online or electronic payments

There are now 8 financial institutions through which it is now possible to pay certain fees related to supplemental pension plans and voluntary retirement savings plans by way of online or electronic payments. See the Payment section for details.

20 June 2018

The additional amount for disability

If you become disabled before age 65 and you are receiving a retirement pension under the Québec Pension Plan that you can no longer cancel, you could be entitled to an additional amount for disability. You will stop receiving the additional benefit, which is added to your retirement pension, when you turn 65.

20 June 2018

A new newsletter – A Glimpse of the PPEMO

Retraite Québec has published A Glimpse of the PPEMO. This newsletter is intended for members and beneficiaries of the Pension Plan of Elected Municipal Officers (PPEMO).

14 June 2018

RREGOP actuarial valuation update as at 31 December 2017

Retraite Québec has published the Évaluation actuarielle du Régime de retraite des employés du gouvernement et des organismes publics This link will open in a new window. (RREGOP Actuarial Valuation; French only), which was updated as at 31 December 2017.

A note from the RREGOP pension committee This link will open in a new window.  (French only) accompanies the documents.

14 June 2018

2017 Annual management report

Retraite Québec's Rapport annuel de gestion 2017  (2017 Annual management report; French only) presents, in particular, the organization's main achievements, as well as the results obtained in 2017.

5 June 2018

Examples related to the quantification of risks for supplemental pension plans

In order to facilitate the duties of plan administrators, we have added some examples of risk quantification to our web page on how to quantify and manage risks.

24 May 2018

The pension for a disabled person's child

The children of a person who receives a disability pension under the Québec Pension Plan could be entitled to pension for a disabled person's child until they turn 18, if they meet certain criteria. To apply, the disabled person must complete an Application for Disability Benefits Under the Québec Pension Plan.

24 May 2018

Should you apply for your retirement pension before, on or after your 65th birthday?

When do you think you should apply for your retirement pension under the Québec Pension Plan? In reality, there are as many answers as there are contributors (over 4 million)!

24 May 2018

​Information on special annuity purchasing payments for supplemental pension plans (SPPs)

For more information on how to establish a special annuity purchasing payment in the actuarial valuation of an SPP, see our web page on required contributions.

10 May 2018

​​Objective: 70%

Do you want a comfortable retirement, but are wondering whether you will have enough income when the time comes? Find out more about the sources of retirement income you can count on.

10 May 2018

​Annual child assistance notices are now being sent out

If you have a least one child under the age of 18, you will receive your annual child assistance notice by the end of June 2018. The notice will inform you of the amounts that will be paid to you from July 2018 to June 2019. Be sure to verify that all of the information on your family situation is correct because the amounts may vary according to the number of dependent children and the number of children in shared custody.

10 May 2018

​The supplement for handicapped children with exceptional care needs: ongoing analysis

Mr. Luc Fortin, the Minister of Families and the minister responsible for the administration of child assistance, has announced 4 measures concerning the supplement for handicapped children with exceptional care needs. The government is currently analysing the individual situations of families whose applications have been rejected since the supplement's inception in June 2016. The families concerned do not have to take any steps as they will be contacted by Retraite Québec in due course.

For more information, consult the Minister of Families' press release (French only) This link will open in a new window..

27 April 2018

​Actuarial valuations of pension plans: Assumptions and methods to be used

Retraite Québec has provided actuaries with instructions regarding the assumptions and methods to be used in actuarial valuations after 30 December 2017.

26 April 2018

Consult My Account when it suits you

Whether you want to consult or update your Québec Pension Plan or child assistance files, file and track an application or request, or find out the amounts that you have received or will receive, use My Account.

26 April 2018

​Come meet us at the Salon Carrefour 50 ans +

Retraite Québec will be taking part in Salon Carrefour 50 ans + This link will open in a new window., which is being held from 20 to 22 April at the the Palais des congrès de Montréal. Retraite Québec will present to you the various services it offers and you will discover a wealth of information on retirement and financial planning for retirement.

The Salon Carrefour 50 ans + is free for everyone.

19 April 2018

The most popular baby names in Québec in 2017

Retraite Québec has unveiled its updated list of the most popular baby names. For the third year in a row, it's Emma and William! Have a look at our List of Baby Names to search by year or given name.

17 April 2018

Coming soon: statements of participation in a public-sector pension plan

Most members of a public-sector pension plan will receive their Statement of Participation by June 2018. It contains valuable information to help you plan for your retirement.

Visit our website to learn more about the Statement of Participation and find out when you will receive yours.

17 April 2018

New financial institutions authorized for online or electronic payments

Other financial institutions now make it possible to pay certain fees related to supplemental pension plans (SPPs) and voluntary retirement savings plans (VRSPs) by way of online or electronic payments. See the Payment section for details.

12 April 2018

​Your financial protection under the Québec Pension Plan

To find out the amounts that could be paid to you or your family in the event of retirement, disability or death, consult your Statement of Participation in the Québec Pension Plan.

12 April 2018

​New financial institution authorized for online or electronic payments

It is now possible to pay certain fees related to supplemental pension plans and voluntary retirement savings plans by way of online or electronic payments with 2 financial institutions. See the Payment section for details.

29 March 2018

​Duplicate Income Tax Slips

Are you receiving a retirement pension, disability benefits or survivors' benefits under the Québec Pension Plan or a public-sector plan (RREGOP, PPMP, etc.) and have not yet received your 2017 income tax slip?

For the Québec Pension Plan, use our online Duplicate Income Tax Slips from the Québec Pension Plan service and have it sent to you by mail.

For public-sector pension plans (RREGOP, PPMP, etc.), contact us by telephone.

29 March 2018

Child assistance and income tax…​

Child assistance benefits are not taxable. You will not receive an income tax slip for your income tax returns.

29 March 2018

​A 8.5% rate of return for the PPMP fund​

In 2017, the Pension Plan of Management Personnel (PPMP) Fund generated a return of 8.5%. For further details, consult the Returns of Certain Public-Sector Pension Plan Funds This link will open in a new window. on our website.

21 March 2018

Changes to certain public-sector pension plans

The Act respecting the implementation of recommendations of the pension committee of certain public sector pension plans and amending various legislative provisions This link will open in a new window. was assented to on 21 March 2018. The main components of the public-sector pension plans affected by the legislative amendments are:

  • the definition of absence without pay
  • the recognition of participation and buy-back of service following a change in employment status or employer
  • the methods of paying for buy-backs
  • the partition of benefits accrued under a pension plan when de facto spouses stop living together
  • the simplification of plan membership for a member of the Lieutenant-Governor's, a Minister's or a member of the National Assembly's staff
  • the allocation of costs under the Pension Plan of Peace Officers in Correctional Services (PPPOCS).

For more information on the terms and conditions that will be determined by regulation, sign up for our INFO.RQ newsletter and visit our website regularly.

21 March 2018

Online or electronic payments for SPPs and VRSPs

It is now possible to pay certain fees related to supplemental pension plans and voluntary retirement savings plans by way of online or electronic payments. See the Payment section for details.

15 March 2018

​A 9.1% rate of return for the RREGOP Fund

In 2017, the RREGOP fund generated a return of 9.1%. For further details, consult the Returns of Certain Public-Sector Pension Plan Funds This link will open in a new window. on our website

14 March 2018

​Refund of contribution overpayment following the regularization of employment for the public sector pension plans

Retraite Québec performs, for the public sector pension plan, an operation to refund contribution overpayments following the regularization of employment This link will open in a new window. for 2016.

13 March 2018

​Changes to tariff schedules for certain buy-backs of service

As of 1 April 2018, new tariff schedules This link will open in a new window. will apply to the calculation of certain service buy backs under the Retirement Plan of Management Personnel (PPMP) and the Retirement Plan for Senior Officials (RPSO). To find out the effect of the changes on the cost of the buy-back you are considering, contact the person responsible for the administration of the pension plan offered by your current employer.

12 March 2018

Amendments to the Regulation respecting supplemental pension plans that came into effect on 4 January 2018​

Newsletter number 32 (February 2018) provides information on matters relating to funding policies, annuity purchasing policies, transfers of benefits between spouses, variable pension benefits, etc

1 March 2018

Would you like to learn more about locked-in retirement accounts (LIRAs) and life income funds (LIFs)?​

The 2018 version of the folder Are you familiar with LIRAs and LIFs? is now available.

1 March 2018

​2017 Annual Information Return

The 2017 Annual Information Return forms for supplemental pension plans (SPPs) and simplified pension plans (SIPPs) are now available.

1 March 2018

​Passage of Bill 149 enhancing the Québec Pension Plan

The Québec National Assembly has adopted Bill 149, the Act to enhance the Québec Pension Plan and to amend various retirement-related legislative provisions This link will open in a new window.. For details, read our press release (French only) or consult the section of our website on the subject.

22 February 2018

The Québec Pension Plan fund’s rate of return was 10.9% in 2017

The Caisse de dépôt et placement du Québec has published its results. In 2017, the Québec Pension Plan fund generated a return of 10.9%. Over the last 5 years (2013 to 2017), the average return has been 11.5%.

21 February 2018

Bone up on financial planning for retirement

Our Flash Retraite section offers a wealth of knowledge about financial planning for retirement. Expand your horizons with articles such as:

Retirement: Planning for Peace of Mind

The Challenge of Retirement

15 February 2018

Stay in the know: Sign up for INFO.RQ or MAG.RQ

Are you familiar with MAG.RQ and INFO.RQ? Our electronic magazine and infoletter are great ways to keep on top of the programs and services offered by Retraite Québec!

Sign up now  This link will open in a new window.

Consult the most recent editions of MAG.RQ

15 February 2018

Financial planning for retirement in the spot light​

Our annual campaign on the importance of financial planning for retirement is being held from 21 January to 25 February 2018. This year's theme: Jump start your retirement planning.

Visit jeplanifie.gouv.qc.ca This link will open in a new window. to learn about financial planning for retirement and take the opportunity to simulate your retirement income using the planning tools available to you.

Watch the television ad (French only) This link will open in a new window. or listen to the radio spot (French only) This link will open in a new window..

1 February 2018

Retraite Québec proudly marks its second year​

Thanks to the programs Retraite Québec administers, 6 million Quebeckers have received assistance during major life events since 1 January 2016. Find out more about our organisation.

1 February 2018

Training activities for pension committee members

We wish to remind you that you have until 31 January to sign up for our training courses (French only) on:

  • the pension committee's role and responsibilities
  • the partition of pension plan benefits
  • the minimum requirements of the Supplemental Pension Plans Act.
18 January 2018

First payment of the supplement for the purchase of school supplies​

Families who receive child assistance payments will receive $100 per child aged 4 to 16 for the supplement for the purchase of school supplies for the 2017-2018 school year. The payment will be made:

  • on 26 January 2018 to families signed up for direct deposit
    or
  • within a few weeks following that date to families who receive their payments by cheque.
18 January 2018

​2017 income tax slips

If you are receiving a retirement pension, disability benefits or survivors' benefits under the Québec Pension Plan, or benefits under a public-sector pension plan (RREGOP, PPMP, etc.), you will receive a tax slip by the end of February. The slip provides information you will need for your income tax return, including the amount you received in 2017.

Note that beneficiaries do not necessarily receive their slips on the same day, including those who live at the same address.

18 January 2018

Retraite Québec’s 2018 Action Plan

The Plan d'action 2018 (Action plan for 2018; French only) outlines the steps that we will put in place during the year to achieve the objectives in our Plan stratégique 2017-2019 (2017-2019 Strategic plan; French only).

10 January 2018

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