Retirement pension

If you opted for direct deposit, your public sector retirement pension will be paid, throughout your life, on the 15^th of each month or if the 15^th 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.

• Payment dates

Yes. We are required to deduct federal income taxes and Québec income taxes from your pension. To determine the amount of the tax deductions, we will assume that your retirement pension is your sole income.

You can consult the following document if you wish to get an estimate of the net amount of your pension (after tax) calculated from the gross amount of your pension:

• Net pension estimates for the 2020 taxation year 

Yes, it is possible to increase the income tax deductions withdrawn from your pension, or modify the personal income tax credit used to determine the amount of your income tax deductions. Consult the Income Tax page.

Your income tax slips are available in My Account in the Your documents section and you can download them if necessary. In addition, by signing up for notifications in the Communication preferences section of My Account, you will receive an email or a text message as soon as they are available. Go 100% digital also, by choosing to only receive documents in My Account rather than by mail and you will save time!

You can also request duplicates online and receive them by mail within 15 working days. They will automatically be mailed to you no later than the last working day of 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:

• 24 months after the end of membership in the pension plan
• 6 months following the first payment of the pension.

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:

• an administrative error
• an error in the data provided by the employer.

These rules also apply to the pensions of persons who ceased to be members 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 contribution deducted from your retirement pension, you must contact your pensioners association directly.

To find out which associations have concluded such an agreement with our organization, please consult the following document:

• Pensioners Associations

Yes. However, in order to sign an agreement with our organization, an association must meet the requirements listed in the following document:

• Conditions d'adhésion au service de retenues à la source pour les associations de retraités 
  (Please note that this document is only available in French.)

Yes. To take into account the increase in the cost of living, your pension is 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.

Your Statement of Benefits is available in My Account in the Your documents section. You can download it if necessary. In addition, by signing up for notifications in the Communication preferences section of My Account, you will receive an email or a text message as soon as it is available. Your Statement will automatically be mailed to you in January 2022, but you can choose to only receive it digitally in My Account by indicating it in the Communication preferences section.

Yes. To take into account the increase in the cost of living, your pension is 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.

Your Statement of Benefits is available in My Account in the Your documents section. You can download it if necessary. In addition, by signing up for notifications in the Communication preferences section of My Account, you will receive an email or a text message as soon as it is available.

Your Statement will automatically be mailed to you in January 2022, but you can choose to only receive it digitally in My Account by indicating it in the Communication preferences section.

Please note that for certain pensions, indexation will be suspended for 6 years.

Indexation of your pension is suspended for 2018 through 2023 in the following cases:

• for immediate pensions, if you stopped working before 1 January 2017
• for deferred pensions, if payment of your pension began before 1 January 2017.

Indexation of your pension is suspended for 2021 through 2026 in the following cases:

• for immediate pensions, if you stopped working after 31 December 2016 and before 1 July 2019
• for deferred pensions, if payment of your pension began after 31 December 2016 and before 1 July 2019.

The suspension also applies to a surviving spouse's pension and a reduced immediate pension not yet in payment. It also applies to retirees under the PPMP who return to work or are taking advantage of progressive retirement and whose retirement pension has been partially or totally suspended. Lastly, it applies to employees who initially received a pension payable under the Government and Public Employees Retirement Plan for non-unionized employees (RREGOP 02).

For all pensions subject to the 6-year suspension, the indexation of periods of service will resume after the suspension and in the following manner:

It depends on the periods during which your years of service were accrued and the date on wich you retired.

Example:

Please note that the example provided does not take into account the suspension of indexation that applies to certain pensions under the PPMP.

You retired after 31 December 1999 but before 1 January 2022

Your pension will be indexed as follows:

• The portion of your pension that corresponds to service accrued prior to 1 July 1982 will be fully indexed using the rate of increase of the Pension Index (PI) determined in accordance with the Act respecting the Québec Pension Plan. In 2022, the rate is 2,7%.
• The portion of your pension that corresponds to service accrued after 30 June 1982 but prior to 1 January 2000 will be indexed using the PI, minus 3%. In 2022, since the PI is less than 3%, that portion of your pension will not be indexed.
• The portion of your pension that corresponds to service accrued since 1 January 2000, will be indexed using the more advantageous of the following 2 formulas:
  • 50% of the rate of increase of the PI; OR
  • the rate of increase of the PI, minus 3%.

  In 2022, since the PI is 2,7%, the first formula is more advantageous. Therefore, the portion of your pension that corresponds to service accrued since 1 January 2000 will be indexed by 1.35%

When you turn 65, your public-sector pension plan will take into account the fact that you will also receive a pension under the QPP. This will reduce the pension you receive under your public-sector plan. This process is called integration with the QPP.

Your retirement pension will be reduced as of the month following your 65^th birthday.

Note that the portion of the pension that corresponds 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 as a result of integration.

Like many of the pension plans offered by other employers, your public-sector pension plan is 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, the PPMP, the TPP or the CSSP, or 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. The act governing your public-sector pension plan provides for integration with the QPP.

No. Your pension 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 the month of your death, even if you die before age 65.