Benefits amounts and key data for 2018

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

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

Maximum and minimum yearly amounts - 2018 See note 1
Maximum assistance Amount
1st child $2430
2nd child $1214
3rd child $1214
4th and subsequent children$1821
Single-parent family + $852
Minimum assistance in all cases Amount
1st child $682
2nd child $630
Single-parent family+ $340
  1. Note 1 :The amount of the child assistance payment is indexed in January of each year.
Yearly amount for the purchase of school supplies - 2018
Supplement for the purchase of school supplies$100
Yearly amounts for a handicapped child - 2018
Supplement for handicapped children$2304
Supplement for handicapped children with exceptional care needs$11 544

Basic information on the Québec Pension Plan in 2018
Maximum Pensionable Earnings$55 900
Basic exemption$3500
Contribution rate10.80%
Maximum contribution for workers (5.4%) and employers (5.4%)$2829.60
Maximum contribution for self-employed workers (10.80%)$5659.20
Indexation rate for benefits as
at 1 January 2018
1.5%
Maximum amount for lump-sum
Death benefit$2500
Maximum monthly amounts See (note 1)
Retirement pension
Age 65 (100% of the maximum pension) $1134.17
Age 60 (64% of the maximum pension)$725.87
Age 70 (142% of the maximum pension)$1610.52
Disability benefits
Disability pension$1335.80
Additional amount for disability for retirement pension beneficiaries$485.17
Pension for a disabled person's child$76.67
Survivors' benefits
Orphan's pension$244.64
Surviving spouse's pension See (note 2)
Beneficiary under age 45. not disabled, without dependent children$549.57
Beneficiary under age 45, not disabled, with dependent children$875.80
Beneficiary under age 45, disabled, with or without dependent children$910,48
Beneficiary between ages 45 and 64$910,48
Beneficiary age 65 or over$680.50
  1. Note 1 Pensions calculated using the average of maximum pensionable earnings for the last 5 years.
  2. Note 2 Pension calculated with respect to contributors who were not receiving a retirement pension.

Key data for 2018
Rate of increase of the Pension Index
(This rate is used according to the indexation formula for each plan.)
1.5%
Maximum pensionable earnings (MPE)$55 900
Basic exemption under the QPP$3500
Plan exemption (RREGOP, PPCT)$13 975See (Note 1)
Plan exemption (PPMP, RPSO)$19 565
Reduction factor (RREGOP, PPCT)0.0186
Compensation rate applicable to the PPMP and RPSO2.97%
Contribution rate:
RREGOP and PPCT (USee (Note 2))10.97%
PPCT (NUSee (Note 3))9.97%
RPCHCNSee (Note 4)7.60% and 1% after 35 years
TPPSee (Note 5)(U)8.08%
TPPSee (Note 5)(NU)7.25%
PPFEQ0%
PPFEQ(NU)0%
PPEMO6.15%
CSSPSee (Note 5) (U)7.25%
CSSPSee (Note 5) (NU)6.42%
PPCJBJ0%
PPJCQM8% and 1% after 21.7 years
PPMNA9%
SPMSQSee (Note 5)8%
PPMP12.82%
RPSO12.82%
PPPOCS9.63%
PPPOCS(QPSee (Note 6))12.13%See (Note 7)
Maximum pensionable salary:
RREGOP, PPMP, TPP, CSSP, PPCTSee (Note 8), PPFEQ, RPCHCN$166 787
PPCJBJ$196 296
PPJCQM$239 125
PPMNA$168 254
SPMSQ, PPEMO, RPMCM$147 222
PPPOCS$161 197
RPSO$173 203
Interest rate (from 1 June 2018 to 31 May 2019) for the plan established based on rates of return:
RREGOP, PPCT8.35%
PPPOCS8.38%
PPMP, RPSO8.28%
Interest rate (from 1 June 2018 to 31 May 2019) administrative established based on an external rate1.31%
Maximum annual amount of a pension granting entitlement the payment of its actuarial value$1685
RRSP contribution ceiling$26 230
Maximum pension adjustment (PA)$25 900
Maximum defined benefits$2944.44
Buy-back ceiling for years prior to 1990$1962.96
  1. Note 1 No contributions are payable if the salary is $19 565 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 rate of 2.35% applies to the bracket between the basic exemption and the MPE.
  5. Note 5 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.
  6. Note 6 Person eligible for the PPPOCS whose employment is covered by the RREGOP or PPMP.
  7. Note 7 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.
  8. Note 8 The maximum pensionable salary for years subject to a rate of 1.6% is $208 484.

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 2018. Plan administrators should be aware of these changes.

Data for 2018
LIF reference rate for 20186%
Maximum pensionable earnings (MPE) See Note 1 $55 900
Maximum temporary income (40% of MPE)$22 360
Maximum monthly temporary income under age 54$1863.33
  1. Note 1 Used to determine income or refunds.

Data for 2018
Maximum pensionable earnings (MPE) See Note 1 $55 900
  1. Note 1 Used to determine benefits or refunds.
Required fees per member or beneficiary
As of 31 December 2017$9.95 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 2018

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

3% of gross salary
Maximum pensionable earnings (MPE) See Note 1 $55 900
  1. Note 1 Used to determine refunds.
Required fees per member

Annual statement as at 31 December 2017
(section 10 of the Regulation respecting voluntary retirement savings plans This link will open in a new window.

4$ per member
Obligation of employers
By 31 December 2018

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 2017, and
  • 10 or more eligible employees on 30 June 2018.
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