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2020 - Benefits amounts and key data

Pensions and benefits paid by Retraite Québec are indexed annually on 1 January.

Select a program to display a table showing the corresponding amounts.

Important

An increase in the annual maximum and minimum Family Allowance amounts, taking effect in January 2020, was announced in November 2019. The amounts granted will no longer vary based on the children's rank in the family.

Use our CalculAide tool for an estimate of the amounts to which you could be entitled.

The amount of the Family Allowance payments varies from one family to another. The calculation takes into account:

  • the number of dependent children under age 18 who live with you
  • the number of children in shared custody
  • the family situation (single-parent or two-parent)
  • the family income, that is, the combined income of both spouses, if applicable.
Maximum and minimum yearly amounts - 2019-2020
Maximum amount 2019 Amount 2019 2020 Amount
1st child $2472$2515
2nd child $1735$2515
3rd child $1735$2515
4th and subsequent children$1852$2515
Single-parent family + $867+$882
Minimum amount 2019 Amount 2019 2020 Amount
1st child $694$1000
2nd child $641$1000
Single-parent family+ $346+$352
Yearly amount for the purchase of school supplies - 2020
Supplement for the Purchase of School Supplies$104
Yearly amounts for a handicapped child - 2020
Supplement for Handicapped Children$2376
Supplement for Handicapped Children with Exceptional  Care 
Tier 1$11 940
Tier 2$7 956

Basic information on the Québec Pension Plan in 2020
Maximum Pensionable Earnings$58 700
Basic exemption$3500
Contribution rate
Base plan 10.80%
Additional plan 0.60%
Maximum contribution for workers and employers
Base plan (5.4%)$2980.80
Additional plan (0.30%)$165.60
Maximum contribution for self-employed workers
Base plan (10.80%) $5961.60
Additional plan (0.60%) $331.20
Indexation rate for benefits as
at 1 January 2020
1.9%
Maximum amount for lump-sum
Death benefit$2500
Maximum monthly amounts See (note 1)
Retirement pension
Age 65 (100% of the maximum pension) $1177.30
Age 60 (64% of the maximum pension)$753.47
Age 70 (142% of the maximum pension)$1671.77
Disability benefits
Disability pension$1388.46
Additional amount for disability for retirement pension beneficiaries$505.76
Pension for a disabled person's child$80.97
Survivors' benefits
Orphan's pension$255.03
Surviving spouse's pension See (note 2)
Beneficiary under age 45. not disabled, without dependent children$571.48
Beneficiary under age 45, not disabled, with dependent children$911.55
Beneficiary under age 45, disabled, with or without dependent children$947.70
Beneficiary between ages 45 and 64$947.70
Beneficiary age 65 or over$706.65
  1. Note 1 Pensions are calculated by using the average maximum pensionable earnings for the last five years. The amounts paid under the additional plan are included in the maximum amounts shown. However, payment of those pensions will begin at the end of 2021 only, and will be retroactive.
  2. Note 2 Pension calculated with respect to contributors who were not receiving a retirement pension.

Key data for 2020
Rate of increase of the Pension Index
(This rate is used according to the indexation formula for each plan.)
1.9%
Maximum pensionable earnings (MPE)$58 700
Basic exemption under the QPP$3500
Plan exemption (RREGOP, PPCT)$14 675See (Note 1)
Plan exemption (PPMP, RPSO)$20 545
Reduction factor (RREGOP, PPCT)0.0189
Compensation rate applicable to the PPMP and RPSO3.00%
Contribution rate:
RREGOP and PPCT (USee (Note 2))10.63%
PPCT (NUSee (Note 3))9.63%
RPCHCNN/A
TPPSee (Note 4)(U)8.08%
TPPSee (Note 4)(NU)7.25%
PPFEQ0%
PPFEQ(NU)0%
PPEMO6.15%
CSSPSee (Note 4) (U)7.25%
CSSPSee (Note 4) (NU)6.42%
PPCJBJN/A
PPCJQ9% and 1% after 21.7 years
PPMNA9%
SPMSQSee (Note 4)8%
PPMP12.29%
RPSO12.29%
PPPOCS9.77%
PPPOCS(QPSee (Note 6))10.77%See (Note 6)
Maximum pensionable salary:
RREGOP, PPMP, TPP, CSSP, PPCTSee (Note 7), PPFEQ, RPCHCN$175 156 
PPCJBJ$206 148
PPCJQ$222 900
PPMNA$176 698
SPMSQ, PPEMO, RPMCM$154 611
PPPOCS$169 286
RPSO$181 895
Interest rate (from 1 June 2019 to 31 May 2020) for the plan established based on rates of return:
RREGOP, PPCT6.72%
PPPOCS6.92%
PPMP, RPSO6.39%
Interest rate (from 1 June 2019 to 31 May 2020) administrative established based on an external rate2.11%
Maximum annual amount of a pension granting entitlement the payment of its actuarial value$1757 
RRSP contribution ceiling$27 230
Maximum pension adjustment (PA)$27 230
Maximum defined benefits$3092.22 
Buy-back ceiling for years prior to 1990$2061.48 
  1. Note 1 No contributions are payable if the salary is $20 545  or less (35% of the MPE).
  2. Note 2 U : unionized.
  3. Note 3 NU : non-unionized.
  4. Note 4 Contribution rate that applies up to the basic exemption under the QPP and to amounts over the MPE. A reduced rate of 1.8% applies to the bracket between the basic exemption and the MPE.
  5. Note 5 Person eligible for the PPPOCS whose employment is covered by the RREGOP or PPMP.
  6. Note 6 The member contribution must correspond to the lesser of: pensionable salary x 9%
    OR
    [pensionable salary – the lesser of (pensionable salary x 25%) OR (25% of the MPE x harmonized service)] x rate of contribution.
  7. Note 7 The maximum pensionable salary for years subject to a rate of 1.6% is $218 945.

Select a subject below to view the corresponding data.

Key data for locked-in retirement accounts (LIRAs) and life income funds (LIFs), private, municipal and university pension plans and voluntary retirement savings plans (VRSPs) will change in 2020. Plan administrators should be aware of these changes.

Data for 2020
LIF reference rate for 20206%
Maximum pensionable earnings (MPE) See Note 1 $58 700
Maximum temporary income (40% of MPE)$23 480
Maximum monthly temporary income under age 54$1956.67
  1. Note 1 Used to determine income or refunds.

Data for 2020
Maximum pensionable earnings (MPE) See Note 1 $58 700
  1. Note 1 Used to determine benefits or refunds.
Required fees per member or beneficiary
As of 31 December 2019$10.50 per member or beneficiary
The fee schedule lists the fees for the annual information return and to register or terminate a pension plan.  

Data for 2020

Default member contribution rate
(section 22 of the Regulation respecting voluntary retirement savings plans This link will open in a new window.)

4% of gross
Maximum pensionable earnings (MPE)See Note 1 $58 700
  1. Note 1 Used to determine refunds.
Required fees per member

Annual statement as at 31 December 2019
(section 11 of the Regulation respecting voluntary retirement savings plans This link will open in a new window.

$5.10 per member
Obligation of employers
By 31 December 2020

The employer must offer a VRSP or another plan allowed under the Voluntary Retirement Savings Plan Act if it has:

  • 5 or more eligible employees on 31 December 2019, and
  • 10 or more eligible employees on 30 June 2020.
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