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Government and Public Employees Retirement Plan

The RREGOP in a nutshell

What is the RREGOP?

It is the acronym for the Régime de retraite des employés du gouvernement et des organismes publics (the Government and Public Employees Retirement Plan). The Plan, which took effect on 1 July 1973, covers regular and casual, full-time and part-time employees in the Québec public service, the education sector and the health and social services sector.

How much do I pay?

For  2018, the contribution rate is 10.97%.

Due to integration with the Québec Pension Plan (QPP), your contributions are calculated only on the portion of your pensionable salary that exceeds the plan's exemption, which is $13 975  in 2018. Your pensionable salary is the salary recognized for the purposes of a pension plan.

If you work full time, you save $1533.06 in contributions ($13 975 × 10.97%).

In 2018, the maximum pensionable salary is $166 787.

What if I take a sabbatical leave with deferred pay?

A sabbatical leave with deferred pay has no effect on your pension.

Under the RREGOP, you will be credited the service and the salary that would have been credited had you not been on leave. However, your contributions are calculated on the salary you actually received.

How will my pension be calculated?

Your basic pension will be calculated as follows:

 Annual pension accrual rate (2%)
×Service for basic pension calculation purposes (maximum 40 years)
×Average pensionable salary of your 5 best-paid years

To your basic pension may be added a pension credit obtained through a buy-back, a transfer from a supplemental pension plan (SPP) or a transfer agreement, and the additional pensions linked to the pension credit service. However, the total amount you can receive is limited under tax rules.

When can I receive an immediate pension?

An immediate pension is a pension that is usually payable the day after your participation in the pension plan ends.

You are entitled to an immediate pension without reduction if

  • you are 60 years old or over; or
  • you have accumulated at least 35 years of service.

You are entitled to an immediate pension with reduction if

  •  you are 55 years old or over and have accumulated less than 35 years of service.
    Your pension will be permanently reduced by 4% per year in advance.

If you stop participating in the plan after 30 June 2019, you are entitled to an immediate pension

without reduction if

  • you are at least age 61; or
  • you have accumulated at least 35 years of service; or
  • you are at least age 60 and have met the requirements for the 90 eligibility factor (age + service for eligibility purposes).

with reduction if

  • you are at least age 55.
    Your pension will be permanently reduced by:
    • 0.333% per month in advance (4% a year) if you stop participating in the plan before 1 July 2020; or
    • 0.5% per month in advance (6% a year) if you stop participating in the plan after 30 June 2020.

Can the reduction be reduced or cancelled?

Yes, it can. You can compensate for it by transferring to the PPMP an amount equal to the reduction you wish to minimize or cancel.

You must transfer the amount from a Registered Retirement Savings Plan (RRSP) or a Registered Pension Plan (RPP), in accordance with tax rules, within 60 days following the date on which your participation ends. Your employer can also pay the amount necessary to reduce or eliminate the reduction no later than the date on which you stop being covered by your pension plan.

What if I leave my job before I am eligible for an immediate pension?

You can obtain a refund of your contributions with interest if you are under age 55 and have accumulated less than two years of service. You must wait at least 210 days after you stop working to apply.

If you are under age 55 and have accumulated at least two years of service but less than 35, you will have the choice between:

  • receiving a deferred pension payable at age 65, which will have been indexed each year. You can receive that pension as of age 55, but it will be reduced by 4% for each year in advance.
  • transferring to a Locked-In Retirement Account (LIRA) or a Life Income Fund (LIF) an amount equal to the higher of your total contributions with interest or the actuarial value of the indexed deferred pension you have accrued. You can apply for the transfer 210 days after you stop working, but before age 55.

Will my pension be indexed?

It will be indexed on 1 January of each year based on the cost of living.

  • The portion of your pension that corresponds to service accrued before 1 July 1982 is indexed according to the Pension Index Adjustment Rate (PI) determined in accordance with the Act respecting the Québec Pension Plan.
  • The portion that corresponds to service accrued from 1 July 1982 through 31 December 1999 is indexed using the PI minus 3%. If the PI is equal to or less than 3%, that portion of your pension is not indexed.
  • The portion that corresponds to service accrued since 1 January 2000 is indexed using the more advantageous of the following 2 formulae: 50% of the PI or the PI minus 3%.

Additional pensions are indexed according to the Pension Index Adjustment Rate minus 3%.

In 2018, the Pension Index Adjustment Rate is 1.5%.

Why will my pension be reduced at age 65?

The RREGOP is integrated with the Québec Pension Plan (QPP). This means that the RREGOP grants you a contribution holiday based on your participation in the QPP and the fact that, when you turn 65, your pension under the RREGOP will be reduced to take into account your pension under the QPP.

The reduction is calculated as follows:

  QPP annual pension integration rate (0.7%)
×Service for calculation purposes since 1 January 1966 (35 years maximum)
×Average maximum pensionable earnings (MPE) for your last 5 years (or average pensionable salary for your last 5 years if lower than the average MPE)

Note that the MPE is calculated as set out in the Act respecting the Québec Pension Plan.

What are the advantages of a buy-back?

A buy-back could increase your retirement income. Please note that only the buy-back of certain periods of service or absence may allow you to retire earlier.

What periods can be bought back?

Mainly:

  • periods of service accrued as a casual employee;
  • maternity leaves;
  • absences without pay;
  • compassionate care leaves.

Any years of service accrued under the RREGOP that have been refunded cannot be bought back.

Periods of service accrued as a casual employee

You can buy back service accrued as a casual employee during the following periods if you worked for an employer subject to the plan:

  • between 1 July 1973 and 31 December 1986, if you were on a recall list in the health and social services sector;
  • between 1 July 1973 and 31 December 1987, if you were employed in the health and social services sector, the education sector or the public sector.

The cost of a buy-back varies according to the period, your pensionable salary and your age on the date on which your application is received.

Maternity leaves

Since 1 January 1989, maternity leaves have been automatically recognized under the plan. Consequently, you do not have to buy back service.

If you were on maternity leave before that date, you must send us an application for a buy-back. The service will be credited under certain conditions, usually at no cost.

Absences without pay

You may buy back all or part of any absence without pay that started after you became a member of the RREGOP or the PPMP. Since 1 January 2002, in order to be bought back, a full-time absence must last more than 30 consecutive calendar days or, in the case of a part-time absence, more than 20% of the regular work schedule of a full-time employee. Shorter periods of absence are subject to regular contributions. The cost of a buy back varies according to the period, your pensionable salary and your age on the date we receive your application.

If we receive your application within 6 months following the end of the absence, the cost of the buy-back is generally equal to twice the contributions you would have paid if you had not been absent without pay or, in the case of a parental leave, to the contributions you would have paid.

Any absence without pay that occurred before 1 January 2011 may be offset at no cost up to a maximum of 90 days.

As of that date, only parental leaves can be offset by the 90-day bank.

Compassionate care leaves

If you did not pay contributions to your employer while on compassionate care leave on 1 January 2012 or later, you can buy back the service related to that absence.

If we receive your application for a buy-back within 6 months following the end of the absence, the cost of the buy-back will equal 100% of the contributions you would have paid had you not been absent without pay. If we receive your application more than 6 months following the end of the absence, the cost of the buy-back will vary according to the period, your pensionable salary and your age on the date we receive your application.

How do I apply for a buy-back?

You must complete the Application for Buy-Back (727A), and the employer concerned by the periods to be bought back must complete the Attestation of a Buy-Back Period (728A). Both forms are available on our website.

What is phased departure?

At the end of your career, you may wish to reduce your work hours before retiring.

You and your employer must come to an agreement concerning phased departure. The agreement must be for at least 1 year, but not more than 5.

Your new work schedule must be at least 40% of a full-time schedule, and you must retire at the end of the agreement.

The RREGOP will credit the service and the salary that would have been credited to you if you had not reduced your work schedule. Your contributions will be calculated on that salary.

Seasonal and casual employees are not eligible for phased departure.

Can I return to work after I have retired?

Yes. If you return to work in the public or parapublic sector, you will no longer participate in the pension plan and you will receive the full amount of your pension.

What benefits are payable in the event of death?

Persons not eligible for an immediate pensionPersons eligible for an immediate pensionPension beneficiary

- with less than 2 years of service

Refund of contributions with interest to the spouse (or if no spouse, to the heirs).

- with a spouse

50%See Note 1 of the pension integrated with the QPP pension and of the life annuity resulting from pension credit service. At the spouse's death, guaranteed minimumSee Note 2 applies.

- with a spouse

50%See Note 1 or 60%See Note 3 of the pension integrated with the QPP pension and of the life annuity resulting from pension credit service. At the spouse's death, guaranteed  minimumSee Note 2 applies.

- with 2 or more years of service

Refund, to the spouse (or if no spouse, to the heirs), of the higher of contributions with interest or the actuarial value of the indexed deferred pension.See Note 2

- without a spouse

Refund of contributions with interest to the heirs.

- without a spouse

Guaranteed minimum.See Note 2

  1. If you obtained a pension credit as a result of a transfer from a supplemental pension plan (SPP) or a transfer agreement, your spouse is usually entitled to 50% of the credit. However, if you have a pension credit resulting from a buy-back, we will refund, with interest, the amount paid for the credit, minus any benefits already paid to the pensioner.
  2. Refund to the heirs of the difference between your contributions with interest and any benefits already paid.
  3. In order for your spouse to receive 60% of your pension, you must choose this option on the document entitled Your Options, which you will receive after you file an application for a pension. Your pension will be permanently reduced by 2%. Your choice becomes irrevocable once payment of the pension begins.

Can my spouse renounce his or her rights?

Yes. Your spouse This link will open in a new window. can waive his or her spousal benefits in favour of your heirs. Your spouse could also revoke that waiver at a later time by informing us in writing. In both cases, we must receive that information before your death.

How to reach us

www.retraitequebec.gouv.qc.ca

Régimes de retraite du secteur public
Case postale 5500, succursale Terminus
Québec (Québec) G1K 0G9
418 643-4881 (Québec region)
1 800 463-5533 (toll-free)

For more information about your pension plan, ask your employer.

This document summarizes your pension plan. The information it contains does not replace relevant legislation.