Your membership in the
PPEMO following the 2025 elections
There may be changes to your membership in the
PPEMO following the 2025 November municipal elections. Therefore, it is important to be well informed about your plan.
The benefits you will receive at the end of your membership depend on your age and the number of years of accrued service. Here is a summary of some of the plan provisions:
If you are under age 50
| Condition | Benefit |
|---|
| Less than two years of service | Refund of your contributions with interest. |
| Between two and eight years of service | Choice between a deferred pension at age 60 or the refund of your contributions with interest |
| Eight years of service and more | Deferred pension* at age 60 |
*Deferred pension: pension payable after the date on which membership in the plan ended. If you are age 50 or over
| Condition | Benefit |
|---|
| Age 60 and two years of service | Unreduced immediate pension |
| Age 50, but under age 60 and two years of service | Choice between a reduced immediate pension* or postponement of the starting date of the pension payment to reduce or cancel the reduction |
| Less than two years of service | Refund of your contributions with interest |
*Your pension is reduced by 3% for each year during which you do not meet the requirement for an unreduced pension. Calculation of the pension
| Years of service | Level of pension per year of service |
|---|
| Your years of credited service after 1991 | 2% of the pensionable salary |
Indexation of the pension
| Period | Indexation rate of the pension |
|---|
| Before the pension is paid | PI* |
| When the pension is being paid | PI − 3% |
*PI: rate of increase in the Pension Index. The rate is determined each year under the Act respecting the Québec Pension Plan to take into account the increase in the cost of living.Contribution rate for the plan
| Contribution | Provision |
|---|
| Contribution of the elected person | 4.81% of the pensionable salary |
| Contribution of the municipality | 16.21% of the pensionable salary |
Consult the
PPEMO's webpage (French only) to better understand your plan.
Retraite Québec's My Account: useful before and during retirement
My Account, your personalized and safe digital space, is your privileged connection to Retraite Québec. You will find information and tools that will help you plan financially for your retirement and that will also be useful once you have retired.
Are you thinking about retiring soon?
Get a simulation of your retirement income
The financial retirement planning tool
CompuPension allows you to explore various scenarios in which your different sources of income are taken into account:
- your benefits under the PPEMO;
- your pensions under the Québec Pension Plan (QPP) and the federal Old Age Security program;
- your personal savings.
You can therefore make informed decisions regarding your financial future. Remember that it is always worthwhile to discuss the simulation results with a financial planner.
Consult your Statements of Participation under the
PPEMO and the
QPP
Your
Statements of Participation offer you an estimate of the amounts to which you could be entitled when you retire and also show the amounts you paid to those plans.
Applying for your retirement pension
Would you like to receive your pension under the
PPEMO or the
QPP? Nothing could be easier: you must log in to
My Account to file your application.
Find out first about the various provisions of each plan.
Consult the
PPEMO's webpage (French only) to find out how your pension is calculated, when you will be entitled to it, what conditions are related to a reduced immediate pension, etc.
For the
QPP, the normal retirement age is 65. At that age, you will receive 100% of the expected amounts each month.
If you apply for your pension after age 65, you will receive a higher pension for life. The later you apply for your pension, the higher the amount will be. Your pension amount will reach its maximum when you turn 72. This means that it stops increasing after that age, even if you apply for your pension after age 72. However, your
QPP pension will be indexed each year.
If you apply for your pension between ages 60 and 65, you will receive a lower pension for life.
Tracking your application
In
My Account, you can choose your communication preferences. If you choose the digital option, you will receive notifications that will allow you to follow the completed steps of your application until it has been accepted.
Are you retired?
Keep an eye on your payments
Once you have retired,
My Account is practical and keeps you connected to Retraite Québec.
It allows you to:
- track the payments of your benefits;
- sign up for direct deposit or change your banking information;
- consult the annual statement of your benefits;
- find out the annual indexation rate of your pension, if applicable, and find out how it has evolved over the years;
- request, change or cancel additional income tax deductions from your benefits.
Receive your income tax slips
Consult your
income tax slips from the
PPEMO or the
QPP that are uploaded to My Account each year in January or February.
Returns of 9.3% for the
PPEMO fund in 2024
The
PPEMO fund generated a 9.3% return in 2024. The fund is invested with
La Caisse 
(formely called la Caisse de dépôt et de placement du Québec)
Over the past ten years, the
PPEMO fund has increased by $161M. It increased from $216M as at 31 December 2014 to $377M as at 31 December 2024. During that period, the average annual return of the
PPEMO fund was 7.2%, whereas it was 6.4% over the past five years.
Returns for the
PPEMO fund from 2015 to 2024
(percentage)
Evolution of the value of the
PPEMO fund as at 31 December
(millions of dollars)
Members of the
PPEMO pension committee
| Members |
|---|
|
Mr. Paul Robitaille | Independent member, chair of the pension committee |
|
Mr. Frédéric Allard | Ministère des Affaires municipales et de l'Habitation |
|
Ms. Déborah Bélanger | Former mayor, Ville de Rivière‑Rouge |
|
Ms. Isabelle Garneau | Secrétariat du Conseil du trésor |
|
Mr. Daniel Lucier | Municipal councillor, Ville de Brossard |
|
Mr. Yannik Noury | Ministère des Affaires municipales et de l'Habitation |
|
Mr. Jean Perron | Former mayor, Ville de Fossambault-sur-le‑Lac |
| Observers |
|---|
| Vacant position | Fédération québécoise des municipalités |
|
Mr. David Dinelle | Union des municipalités du Québec |
To contact Retraite Québec
By telephone
Québec region : 418 643‑4881
Toll-free : 1 800 463‑5533
By mail
Retraite Québec
Régimes de retraite du secteur public
Case postale 5500, succursale Terminus
Québec (Québec) G1K 0G9