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Government and Public Employees Retirement Plan

The RREGOP Condensed

Legislative and regulatory amendments have been made to certain public sector pension-plans. The changes have been included in this publication and can be identified easily by looking for this symbol  Modifications législatives.

For further information, visit the Retraite Québec website This link will open in a new window..

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 does my plan cost?

In  2019, the contribution rate is 10.88%.

Due to integration with the Québec Pension Plan (QPP), you contribute only on the portion of your pensionable salary that exceeds the exemption under the plan. In 2019, the exemption is $14 350. Pensionable salary is the salary used for pension calculation purposes.

As a result, if you work full time, you save $1561.28 in contributions ($14 350 × 10.88%).

In 2019, the maximum pensionable salary is $171 368.

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 you would have been credited had you not been on leave. However, your contributions are calculated on the salary you actually received.

How is my pension calculated?

Your basic pension is calculated as follows:

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

The following can be added to your basic pension: pension credits resulting from buy-backs, transfers from supplemental pension plans (SPPs) or transfer agreements, or additional pensions arising from the associated pension credit service. However, the total amount of your pension is capped by tax rules.

When can I receive an immediate pension?

An immediate pension is a pension that is usually payable as of the day after your membership in the pension plan ends

You are entitled to an unreduced immediate pension if:

  • you are at least age 60; or
  • you have accrued at least 35 years of service.

You are entitled to a reduced immediate pension if:

  • you are at least age 55 and have accrued less than 35 years of service.
    Your pension will be permanently reduced by 4% per year of early retirement.

If you stop contributing to the plan after 30 June 2019, you are entitled to:

an unreduced immediate pension if:

  • you are at least age 61; or
  • you have accrued at least 35 years of service for eligibility purposes; or
  • you are at least age 60 and meet the 90 factor requirement (age + years of service credited for eligibility purposes).

a reduced immediate pension if:

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

Can the reduction be reduced or cancelled?

Yes, but within the limits set by tax rules. In accordance with the Income Tax Act, you can transfer funds to us from your registered retirement savings plan (RRSP), from your registered pension plan (RPP) or from the portion of your retirement allowance that may be transferred to an RRSP or RPP

What if I stop working before I am eligible for an immediate pension?

You can obtain a refund of your contributions (plus interest) if you are under age 55 and have accrued less than 2 years of service. You must not have had any employment ties for at least 210 days when you file your application.

If you are under age 55 and have accrued at least 2 years of service but less than 35, you can choose 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 of early payment.
    Modifications législatives

    Note that if your deferred pension starts being paid after 30 June 2020, it will be reduced permanently by 0.5% per month of early payment (6% a year).

  • 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.

Is my pension indexed?

Yes, it is indexed each year on 1 January based on the increase in the cost of living.

  • The portion of your pension that corresponds to service accrued before 1 July 1982 will be indexed using the rate of increase of the Pension Index (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 will be indexed using the rate of increase of the PI, minus 3%. If the rate of increase of the PI is 3% or less, that portion of your pension will not be indexed.
  • The portion that corresponds to service accrued since 1 January 2000 will be indexed using the more advantageous of the following formulae: 50% of the rate of increase of the PI, or the rate of increase of the PI minus 3%.

Additional pensions are indexed according to the rate of increase of the Pension Index minus 3%.

In 2019, the rate of increase of the Pension Index is 2.3%.

Why is my pension reduced when I turn 65?

The RREGOP is integrated with the Québec Pension Plan (QPP). This means that under the RREGOP, you are exempt from contributions to take into account your contributions to the QPP. 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 since 1 January 1966 credited for calculation purposes (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 in accordance with 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?

They are 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:

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

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 credited under the plan. Consequently, you do not have to buy back service for maternity leaves that began on or after that date.

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. 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 on which 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 had it not been for the absence without pay or, in the case of a parental leave, to the contributions you would have paid.

Any absence without pay that ended 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.

Modifications législatives

An absence can be considered an absence without pay provided all the following conditions are met:

  • It must be provided for in your conditions of employment.
  • It must be authorized by your employer, except for absences resulting from a strike, a lock‑out or a disciplinary suspension.
  • You must not have received any remuneration during the period in question.
  • You would or could have worked had it not been for the absence.

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 be equal to 100% of the contributions you would have paid had it not been for the absence 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 on which we receive your application.

How do I apply for a buy-back?

You must complete the Application for Buy-Back This link will open in a new window. (form 727A), and the employer concerned by the periods to be bought back must complete the Attestation of a Buy-Back Period This link will open in a new window. (form 728A). The forms are available on our website.

What is phased departure?

At the end of your career, you can reduce your work hours before you retire.

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.

You will be credited the service and the salary that would have been credited under the RREGOP had you not reduced your work hours. 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 contribute to the pension plan, and you will receive the full amount of your pension.

What benefits are payable in the event of death?

You are not eligible for an immediate pension You are eligible for an immediate pension You are a Pension beneficiary

and have accrued less than 2 years of service

Contributions are refunded (with interest) to your spouse or, if you do not have a spouse, to your heirs.

and you have a spouse

50%See Note 1of your pension integrated with the QPP and of the life annuity arising from your pension credit service. If your spouse dies, the guaranteed minimumSee Note 2 applies.

and you have a spouse

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

and have accrued 2 years of service or more

The higher of the total contributions with interest or the actuarial value of the indexed deferred pension is refunded to your spouse or, if you do not have a spouse, to your heirs.See Note 2

and you do not have a spouse

Contributions are refunded (with interest) to your heirs.

and you do not have 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. The heirs are refunded the difference between the total contributions with interest and any benefits already paid.
  3. In order for your spouse to receive 60% of your pension, you must choose that option on the reply form provided with 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.

To serve you better

Retraite Québec is committed to:

  • offering high-quality services that meet your expectations. To find out more about our commitments, consult our Service Statement online.
  • handling complaints and comments with complete independence and confidentiality. The Commissaire aux plaintes et à l'amélioration des services can make recommendations to improve our services and programs. You can phone us to leave a comment or file a complaint with the Commissaire. For more information, refer to our website.

Protection of personal information

We obtain personal information from citizens, government departments and public agencies. We protect that information and make sure that it is used by duly authorized personnel in carrying out their duties.

However, we can release the information to certain government departments and public agencies in accordance with written agreements approved by the Commission d'accès à l'information du Québec.

How to reach us

Online
www.retraitequebec.gouv.qc.ca

By telephone
418 643-4881 (Québec region)
1 800 463-5533 (toll-free)

By fax
418 644-8659

By mail
Retraite Québec
Régimes de retraite du secteur public
Case postale 5500, succursale Terminus
Québec (Québec)  G1K 0G9

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

This document is a summary of the provisions of your pension plan. The information it contains does not supersede the legislation governing your pension plan or pertaining orders or regulations.