Regulatory amendments made to the provisions of the Superannuation Plan for the Members of the Sûreté du Québec (SPMSQ)

Changes to your pension plan

Order in Council 767-2018 dated 13 June 2018 confirmed the provisions of the Superannuation Plan for the Members of the Sûreté du Québec (SPMSQ), which were amended further to a general agreement entered into on 24 May 2017 by the Gouvernement du Québec and the Association des policières et policiers provinciaux du Québec.

The main amendments are as follows:

Moreover, the SPMSQ pension committee approved the updated member and employer contribution rates, as well as the tariff schedule for service buy‑backs.


Inclusion of certain salary adjustments

Effective date: 1 April 2017

Three types of salary adjustments provided for under the agreement are included in the pensionable salary:

  • salary adjustments related to the retention of members assigned to patrol duty;
  • salary adjustments related to specialities;
  • salary adjustments related to supervision.

These salary adjustments are payable retroactive to 1 April 2017.


Increase of the rate of reduction

Effective date: 1 January 2018

On 1 January 2018, the rate of reduction due to early payment of an immediate pension increased from 3% to 5% per year of early payment for years of service after 31 December 2017 only.


Distribution of plan costs and administration costs

Effective date: 1 January 2020

Plan costs will be divided as follows:

  • For years of service from 2007 to 2019, 1/3 of plan costs are payable by members and 2/3 are payable by employers;
  • For the 2020 year of service, 39% of plan costs are payable by members and 61% are payable by employers;
  • For the 2021 year of service, 45% of plan costs are payable by members and 55% are payable by employers;
  • For the 2022 year of service and all years thereafter, plan costs will be divided equally (50%-50%) between members and employers.

Administration costs will be divided in the same way as plan costs.

Member contribution rate

Effective date: 1 January 2018

The member contribution rate remains the same in 2018. The rate is therefore:

  • 8% of pensionable earnings, up to the basic Québec Pension Plan (QPP) exemption;
  • 6.2% on the portion of pensionable earnings that exceeds the basic QPP exemption, up to the maximum pensionable earnings (MPE);
  • 8% of pensionable earnings that exceeds the MPE.

Tariff schedule for service buy backs

Effective date: 1‑January‑2018

The tariff schedule used to calculate the cost of a service buy-back for which the application is received more than six months after the end of the absence has been modified for the following types of buy‑backs:

  • absence without pay;
  • parental leave buy‑back.

The tariff schedule used depends on the date on which Retraite Québec receives the application for a buy-back, that is, before 1 January 2018 or on 1 January 2018 or after. The rate also varies according to when the absence occurred.

For more information on tariff schedules, consult the document entitled Tariff schedules for certain service buy‑backs.

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